Scream and shout and let it out …

On train, dancing to music.  That’s me.  you are not even on with me.  I am alone, as crowded as it is.  My beat has me letting it all out. 

Super freak dropping it, because it is hot, right? Oh snap.  This is my poll… wickedly laughing, evil glaze over eyes. You heard me I am alone on this train, so move it or move.  

Stress can’t take over my mind when my ear buds are screaming in my ear.  Pray about, I am over here praising about it.  Having a #Fannytasticlife of a morning, so chill!

Designated Company Dragon Lady, who me (not blushing)

Pretty much you all know that I’m not the company cotton ball, I’m the Dragon Lady.  

I’m ok with that, I can’t  stop putting out fires with my own flame because this ends up being on my daily do list.  It happens periodically that I need to step in, neck out, take it, dish it then serve it.

When working with people who have been empowered or inflated, who may or may not have the pedigree and I need to regulate regardless of the title.  With all the respect I have in my human.  Just sometimes I am contracted as the verbal assassin that destroys the PhD because their artillery is just not equipped to defuse this nuclear verbiage that unloads per second while they are still arranging their thoughts per decade…still loading, still loading.

My grandmother once said, “Fanny slow down I can’t keep up with what you are saying” and I responded “think faster”, forgive me for bragging and rest in peace Grammy just setting the emphasis.  

I don’t employ nonsense.  I restore policy, procedure, regulation and infrastructures that were designed to do the job.  While circumventing has become a new norm, I won’t adapt it.  Technological radicals or nuances; yes! Plagued egos; no!  


Still smiling and having a #Fannytasticlife at my cubicle, you do the same, no matter your platform!

Traditions

My family is awesome because we have certain traditions that we do every year.  Our year follows the school year,  because, I have kids; obviously.


I am so afraid of scary movies but that doesn’t stop the lazy Sundays watching Halloween movies with the guys and popcorn.  

We our big Goosebumps fans.  My son have almost every book. When we watch the movie we discuss and compare to the stories.   I love doing this with my guys.  

We have so many traditions that even when I am exhausted and not feeling well; I do.

My mom passed away when I felt I needed her and in my heart I don’t know what will happen and if I will live long enough to see my grandbabies one day.  All I know is that I will leave my kids with amazing traditions that they will remember and do with their families one day.

Until then, we live! We rejoice! We celebrate! We tradition and continue to build on great memories of this #fannytasticlife I have.

I see your true colors…

I see your true colors was a popular song when I was a kid.  Only as an adult I finally get the meaning.

I usually don’t consider myself a nice person.  However, I do consider myself caring.  Normally my niceness factor is thrown out the window because I don’t bite my tongue.  If I feel I need to say something; I will.  My personality is confrontational and I walk around with my soapbox defending the underdog … not nicely but crude, raw and true.  If I was a man, I would be a leader, a strong mentor, a valiant solider, a warrior but most of the time I am called a b!÷(h.  


I don’t refer to myself this way and I don’t feel I owe an apology.  I had to learn to toughen up and think on my feet. I worked very hard studying life as I attended the school of hard knocks, with no sympathy, wasn’t reaching or requested.  I won’t complain I rather fight verbally.  

My true colors are in fact what you see, I don’t hide myself or who I am.  I believe in some simple codes of life:

  • I don’t lie, too much work to keep up;
  • I defend immediately;
  • I work hard not because I am a hard worker but I truly value the integrity of anything attached to my name;
  • I trust 100% from jump street, you cut that down by your trueself;
  • I won’t talk behind your back I prefer to tell your face, your back and your mother so help me father;
  • I also remember what people say, I will hold your words against you; oh and,
  • I hate liars. 

That sums it up.  So, I would suggest to stop hiding your true colors and have a #Fannytasticlife!

Slightly rough around the edges.

I usually believe I am a professional.  However let me keep it real.  I am from the Lower East Side of New York City (if you haven’t heard of it or not sure where that is … for Christ sake, Google it, please dont embarrass yourself… about this or anything, just shake your pretty head say “ok” then quietly google into to soft light) anywho, inside me is this girl who is wild, hides a can of spray paint,  likes finger waves, tattoos, hip hop and heavy metal.  She also has a mafiosa rebel personality that is usually buried deep. I dont refer to her as my ghetto side I refer to her as my Gangsta side.
She does come out, if you catch her vein.  For the most part, I am a loving mother of three a devoted wife and a no-nonsense Paralegal who has earned every iota on her feet, her lovely stiletto wearing feet, not on her back.  

I take pride in this.  Ok, it took me twelve years at CUNY’S four year program… so what?  Also, I plan on attending law school next fall and if all else fails, a Masters in Labor law.  

I have a life that everyday is a moment of learning constantly in the hustle of edification. Many judge and that is ok I can’t help others insecurities.  I mean I know what I want, what I  like for example: Red Hots, spice, almonds croissants from Pret and lattes from Starbucks, Mercedes that look like Jeep wranglers, control, macro managing and laughing the loudest all in red lipstick and pointy nails and not giving a darn.  Of course I will have haters in the dozens.  When someone hates me that is their problem, I feel fine, I love myself. Ha.


This is why I go down rough.  You all know that saying if it is too hot in the kitchen, yadda, yadda, well… Yadda!

I have this saying that I use everyday, on my desk I keep a box of tissues.  When some one is stressed, I let them know “if you have an issue grab a tissue, time is money”  I mean, I work by the bull, and you would be mistaken, if you thought I was the cute type.  Plenty of moxy, snark and pizzazz.

I recently, saw the movie Suicide Squad and Harley Quinn was like my inner me, almost… I mean I’m not looney.  

The point of this tangent-rambling is don’t change who you are to please anyone, not your loved ones, bosses, anyone.  Be who you are! 

We wouldn’t want a nation of clones, variety is the key to happiness and love of course.

Yo, don’t forget to have a #Fannytasticlife yall!

 

Giving.

Growing up I didn’t have it easy.  I remember the hardship my parents had, they were starving artist.

Seeing their struggles taught me something valuable; to give.

I have always been very generous and usually don’t need the credit.  Something about seeing someone happy or feeling love, for me, is rewarding.  

I do my share of annual fundraising.   But I always feel it is not enough.  I wish at times I can do more.

My mother always told me “don’t leave the house without three dollars, two so you are not a vagrant and one dollar in case someone is in need.”  That is usually my code. 

I grew up with a lot of my mother’s philosophies that I now teach my own children. Because these ideas have been the most honest and raw.  

Yes, I love glamour,  makeup, clothes… vanity.  However, we all need to be grounded and humbled.  

I was homeless when my mother died.  I am not ashamed of the experience.   It was real and came with major lessons.  I learned that I never want to be in that situation again nor do I want my children to go through that.

I guess at the time my family just didn’t realize the struggle I faced at 21.  I was rescued by my cousin who with her newborn took me in and I am forever grateful.   She gave. 

Giving can come from the time you spend or from the love you share or from monetary givings.  We need not forget to remember the lesson of love.   On that note have a #fannytasticlife today and always.

Torn

Being a work mom, wanting to be a stay at home mom… perks, sacrifices, need and wants. I am so confused.  

I thought I had my mind set and I was ready to go to law school with my two children out of the day care phase.  However, then I had baby three and here we are spending on daycare and another little sweet face needing his mommy.

My husband works very hard and can financially support us.  Then again, the benefits package I have he doesn’t have, which is probably why my salary is significantly less.

Currently, we are moving and now wouldn’t  be the best time to make this decision.  I will make this decision late this year.  I just feel we can save so much and have more quality time if I was home.  

My husband could finally rest.  He just works so hard.  My heart breaks for him.  Yes, he loves his job and he has passion for what he does but working seven days 12 hours a day, he is so strong.

I’m not sure how he would feel about me staying home.  Because I am so annoying already, one of my quirks. 
Men don’t really have these decisions to make, but as a mother I really need to gather these thoughts, weigh them out and figure it out while maintaining my #fannytasticlife.

Can’t feel lonely in a zoo.

At first we found two snails at the lake.  My son, brought them home.  They survived in a metal bowl.  Until we went to the lake again and it seems that we had now a need for a fish tank.

We then had snails, fish, water frog, aquarium crab, eel, catfish and two neons. Survival of the strong we now have snails, catfish and one neon.  Later we got a Blue Parrot and Bearded Dragon.  This was incredible, still easy to maintain and happy my children were.

As a gift for graduating my husband got me  a Biscon Frise in the summer of 2014.  With all my animals and two children and other events my husband and I were at that point that we thought we were complete.  

Most people who knew us, felt like it was okay to say, “you are good with two boys”, or “you have enough on your plate.”  Although, I can see their perspective I wanted one more baby… 

One day I found out we were having baby three. It truly was a surprise because we didn’t calculate this new blessing into our minds, but a blessing was to be had.

We decided that we were ever expanding and it was time to plant deeper roots and buy a bigger home in a more rural/suburban environment and on that note we got a puppy.

It’s not that we bit off more than we can chew. We chew just find, thanks.  It is that at this point with all this, it feels right.  Not alot, or much, or crowded but comfy.

All the gaps and emptiness and loneliness just don’t exist, neither does peace and quiet… but I have my commute for that.

Who know we may even one day adopt a baby Llama…why not. 

I truly feel these gifts are blessings.  I have lost a lot and have been very lonely and now I feel so much love, support, family.

My zoo is really a love farm.  You can’t be alone as long as you have a mirror but with a family member whether it be a spouse, child, room mate, pet even a beta fish that little life needs your love, which in return gives love and a reason to not feel lonely.  I do this with my #fannytasticlife of a family!

House buying jitters…

Wow, we have come along way.  We are so close to getting what we earned from all the sweat equity. 

We were suppose to move in this week, to our new home but this got pushed back.  Now we are sitting on boxes.  

What went wrong, we did everything we were supposed to do, right?

I have learned that real estate is something you just can’t control.  Well, here are some tips to help those of you who want to buy a home. #Newbies

What kind of mortgage do you want?  This may be the first and only most important question.  Straight from the government information about shopping for a mortgage.

Do you know what you qualify for? Of course not.  Don’t assume, find out. You will need to be more adult like for this because this can be stressful.  But, we can do it kid!

If you are a first time home buyer you may qualify for an FHA.  Now, do you have savings, about 15% to 20% of the mortgage you hope and intend to get approved for?  If no, FHA requires a minimum of 3.5% but your credit needs to be great (580 and higher), not good (570 and below) check our HUD Portal on this government website.

Other loans you may qualify for are rural loans. These require a zero down and your income will need to be low. Once you qualify onto hat end if you work in the city this may be a long commute.  To each is own, on that here is more information on the USDA Rural loans.

The dream is achievable.  Once you do your research on loans.  How is your financial health.  You know your credit score right, maybe not.  That is ok, go find out, stop dragging your feet.  

Do you have student loans?  Well whether they are $1.00 or $100,000 what you will need to make sure is that you are making your payments.  They can be the lowest payment possible as long as you don’t skip a beat.  

Other infractions, delinquency,  roll-offs, etc fix these issues.  Nobody will approve you if you have issues with this.  But don’t be overwhelmed the light shines at the end of this tunnel.   Map it out.  Give yourself a time goal. Figure how much you can afford to pay back and set the clock.  This will not only increase your score but paying off debt will probably most likely increase your line which changes your credit to cash ration and makes you more desirable to lenders.

Once your goal time, that you set is up on your calendar arrives rexheck the dusty list of to dos and probably the majority of your balances are paid.  Now, contact a lender, start with the bank you do business with.  They know you best.  If you are a active Union member try one recommend by them. Lastly, get a realtor or if you have one, they maybe able to refer you to a reputable mortgage company they know and have done business with.  

A realtor once gave me great advice, and what TJ told me (shout out to him). He basically said when you go shopping for shoes you always make sure to bring your money, so don’t go looking for houses if you don’t have money to buy it.  What he meant was don’t set your self up for disappoint, first see what you can afford. Yes, go to open houses if you want but you are really wasting your time and geting your heart hurt if you find something that you can’t afford. He also told me “don’t fall in love with house, fall in love with people” real estate isn’t an easy ride folks.  Doing your home work smooths out the bumps.  By the way TJ is our current realator and honestly he is great.  If you want his contact information let me know.  I would recommend him to anyone.  Hey TJ, don’t forget finders fee, just kidding. 

Seriously, now I’m sitting and waiting because we are completely packed and ready to move in. 

I  will follow up on when we actually move.  I hope my insight helped some of you nervous nellies.  

Just remember dreams come true.  You have the power, first you must manifest it.  Then you will see these dream become realities in real time.  

Don’t forget to have #fannytasticlife 

Protection for you best gal, CC.

Do you protect your best friend? CC? Yes, I am very serious…CC.  Your Credit Card…well you should.


As a mom, a wife, a modern chic; life happens.  For a while I had this cash only policy but let’s be realistic that is tough.  It is easy to fall into a “charge” and pay later life style. Wouldn’t you agree?

I came across something that I normally ignored, which is Credit Protection.  Seriously, insurance for the credit cards you use.  Who cares, right?

So, I have three beautiful sons and had to take maternity leave. For my first son, I had three jobs and my husband worked furiously but we were just making it.  Then I went on leave and took sixteen weeks.  Because the daycare I needed would not take a baby less than four months, so push came to shove and I had to stay home. The financial ripple became a title wave when the bills started coming in.

One morning I was looking over one of my credit charges and it said “$0.89 protection fee”.  I inhaled this and got so angry thinking it was a complete scam.  Finances were so tight already.  For that $0.89 bogus charge, I called them.  

We went over the bill and as I was about to request an extension.   “Jenny” the rep started explaining the charge. She then goes to say, “well like, if you ever have a baby or a surgery things like that you can put a claim in and we will cover your monthly installment or if you a customer that pays their credit lender on time we may even cover your balance” I questioned her for about 30 minutes not understanding that all this time I have been paying for insurance for my credit cards that I was actually and finally entitled to enjoy that benefit.  So, I told her I just had a baby.   What came next was gold.. “well, I see here that you have two cards with our insurance (from different credit lenders) and how long will you be out of work?” She asked. I explained 16 weeks.  She said “I will send you the paper work, complete it from your physician and employment and they will let you know what you are approved for.” Honestly, not believing anything would happen.  I said simply sure. 

One week the paperwork came.  I asked my immediate supervisor/employer to fill out a portion and my doctor to full out the portion that applied to my situation. I sent the paperwork in immediately.  I received a response about two weeks later that said I was entitled to full balance.  When my charge statements came in I had a zero balance and almost fainted.  They cover $1500 for one charge and $2300 for another.  Complete. 

I looked at the pile of bills and said wait what all about this.  It turns out I had insurance on all my charges, my vehicle, my home, my pets etc.  I called anything that I realized I was paying insurance  (boy, I felt like an idiot)  put all the claims in.  
In the next, couple of months I received letter back: some covered balances, some just the monthly installment, some just froze until I came back, which didn’t add interest, and some gave me a new rate, a low rate in lieu of the normal rate, only one was denied but that was because it had a time limit.  

We were about 90% paid for the next four months.  

Baby two, did the same thing but this time I was 100% covered. 

Baby three, same thing.  Why? Why not! This is the policy I signed up for AND I have the opportunity to utilize the resources that I have paid for.  I am now constantly making sure we have insurance on any and everything.  I pay about $1.00 a month to be covered for credit. About $39.00 for pet insurance. My children have their own policies,  which will become liquid for college.  

And, most of my  protections don’t just cover maternity leave, they cover all leaves, changes, certain deaths, life changes – like moves…etc.

This was definitely the smartest financial application I ever filled out.  

We need to not always be sucked in but be researchers, identifiers, and yogis of our financial health.  If your sick you try to help your self to get better.  Do the same for your finances.  

And have a #fannytastic life!