Electron pairing and ferromagnetism in various cluster geometries are studied with emphasis on tetrahedron and square pyramid under variation of interaction strength, electron doping and temperature. These exact calculations of charge and spin collective excitations and pseudogaps yield intriguing insights into level crossing degeneracies, phase separation and condensation. Criteria for spin-charge separation and reconciliation driven by interaction strength, next nearest coupling and temperature are found. Phase diagrams resemble a number of inhomogeneous, coherent and incoherent nanoscale phases seen recently in high T$_c$ cuprates, manganites and CMR nanomaterials.
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