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The New Retirement Plan: Save Almost Everything, Spend Virtually Nothing

A group of younger workers, devotees of the FIRE movement, are seeking ways to duck mistakes made by prior generations

Sylvia Hall, a 38-year-old lawyer in Seattle, plans to retire in two years. MATT LUTTON FOR THE WALL STREET JOURNAL

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By Anne Tergesen and

Veronica Dagher

Nov. 3, 2018 12:01 a.m. ET

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Sylvia Hall wants to retire at age 40. Her dream has a price: brown bananas.

The 38-year-old Seattle lawyer is on a strict budget as she tries to hit her goal of amassing $2 million in assets by 2020. That means saving about 70% of her after-tax income and setting firm spending limits in every part of her life.

She looks for brown bananas and other soon-to-be discarded items from fruit and vegetable stands to help keep her grocery bills around $75 a month. She walks to work so she doesn’t have to spend money on gas. She borrows Netflix passwords from friends so she doesn’t have to spend much on entertainment.

“The idea of not having to wait to 65 to start living on my own terms appealed to me,” she said.

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For a new generation of Americans, the traditional retirement age of 65 is getting old.Some of the youngest members of the U.S. workforce are saving aggressively and spending little so they can leave work decades ahead of schedule, defying the career arc that typically defines adult life.

Their reasons for flouting conventional career norms and saving at high rates range from dissatisfaction with unfulfilling work to the decline of traditional social safety nets to a desire for more economic security in an era defined by events such as the 2008 financial crisis.

Even though they are better educated than their parents and grandparents, people between 25 and 35 have less wealth than prior recent generations, and “are behind in almost every economic dimension,” said Alicia Munnell, director of the Boston College Center for Retirement Research, including earnings and debt.

Ms. Hall’s apartment is 400 square feet.

Ms. Hall’s apartment is 400 square feet. PHOTO: MATT LUTTON FOR THE WALL STREET JOURNAL

They’re also watching the generation entering retirement struggle with many of the same problems. About 10,000 people turn 65 every day and many are unprepared for the years ahead. Older Americans have high average debt. Their 401(k)-type retirement funds will bring in a median income of under $8,000 a year for a 65-year-old couple.

The younger generation’s radical solution—dubbed Financial Independence, Retire Early—has spawned an ecosystem of podcasts, blogs, books, conferences and informal discussion groups. One online forum dedicated to the concept, known to its followers by the acronym “FIRE,” has more than 450,000 subscribers.

Millennial Malaise

Some millennials are embracing the concepts of financial independence and early retirement as they search for more economic security. They have higher unemployment rates, more of them have student loans and they are less likely to outearn their parents.

B3-CG942_backgr_4U_20181105164524.jpg

Millennials have a higher jobless rate…

Unemployment rates, seasonally adjusted

%

4.5

Total,

16 years

and over

4.0

25 to

34 years

3.5

35 to

44 years

3.0

45 to

54 years

2.5

May

Sept. ’17

Sept.

Jan.

… and now have more student loans than prior generations did when they were the same age.

Households with student loans*

Late boomers

29%

25 to 28 years

Gen X-ers

32

Millennials

49

22%

29 to 31 years

29

46

15%

32 to 35 years

23

44

Those loans consume more of their paychecks than they did for previous groups at the same age.

Median student loan debt-to-income ratio

for 25- to 35-year-olds with loans*

Late boomers

14%

Gen X-ers

25

Millennials

34

In 1970, over 90% of 30-year-olds earned more than their parents did at a similar age. In 2014 only half did.

100

%

Percentage of children earning more than their parents

90

80

70

60

50

2000

’75

’05

’80

’95

’90

’85

1970

’10

YEAR PERSON IS 30-YEARS-OLD

*Late baby boomers cover those born between 1954 and 1964. Gen-Xers refers to those born between 1969 and 1979. Millennials include those who were ages 25-35 in 2016.

Sources: Bureau of Labor Statistics (unemployment); Center for Retirement Research at Boston College (debt); National Bureau of Economic Research, Harvard and other universities including Stanford (earnings)

FIRE adherents are often millennials and younger members of Generation X who have college degrees, above-average incomes and the discipline to adopt a strict do-it-yourself approach to retirement. Some say they are saving as much as three-quarters of their income, or five times the 15% savings rate conventional financial advisers often recommend, and growing their own food. Others are taking more modest measures such as living in smaller houses and driving older cars.

“It gives people more control over their lives and time,” said Grant Sabatier, 33, who writes a blog about the topic called Millennial Money. “We live in uncertain times and financial empowerment provides a path out.”

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The downside of FIRE is its inherent paradox: For those seeking financial security, early retirement can be risky. Since many early retirees rely solely on income from stocks, bonds or real estate for living expenses, sudden market downturns can pose a threat to their plans. At the same time, these people have to forecast their cost of living for decades. This means prolonged periods of high inflation can wreck their forecasts and budgets.

The self-reliance and thrift embodied by FIRE have roots in American history. Elements of the philosophy can be found in Ben Franklin’s 1758 classic “The Way to Wealth,” Ralph Waldo Emerson’s 1841 essay “Self-Reliance” and Henry David Thoreau’s “Walden,” an 1854 book about living simply in a cabin he built near Concord, Mass.

Many FIRE boosters cite a more recent work: the 1992 book “Your Money or Your Life” by Vicki Robin and Joe Dominguez. This paean to financial independence and anti-consumerism, a business best seller in the ‘90s, found a new audience after the 2008 financial crisis.

“Millennials understand the rules have changed,” said Ms. Robin, now 73. “They understand that the system their parents built is coming apart.”

[Vicki Robin explains how living below your means now will lead to financial independence later in the Journal’s Secrets of Wealthy Women podcast.]

FIRE enthusiasts gather around the country to discuss ways to save more, spend less, and manage investments. A recent meet-up in Manhattan attracted close to 30 people to an office conference room. The attendees—mostly men in their 20s and 30s, several with backgrounds in engineering—discussed taxes, index funds and real-estate investing over beer and potato chips.

“We are surrounded by consumerism, advertisements and marketing, and there are a lot of easy ways to spend,” said David Rodriguez, 33, a mechanical engineer who helped organize the meeting. “It is important to have a place to find like-minded people.”

The interest in thrift is flourishing most visibly online where frugality evangelists amass large followings via podcasts, blogs and conferences. One of the most popular FIRE blogs, Mr. Money Mustache, started in 2011, has attracted about 2.5 million page views in the past 30 days, according to Google Analytics data. A podcast devoted to the topic, ChooseFI, has been downloaded 5.2 million times and been played in 190 countries since its inception in early 2017, according to podcast hosting service Liberated Syndication. This puts it in the top 2% of the more than 50,000 podcasts the service hosts.

Ms. Hall visits the library for books and videos; she borrows Netflix logins from friends.

Ms. Hall visits the library for books and videos; she borrows Netflix logins from friends. PHOTO: MATT LUTTON FOR THE WALL STREET JOURNAL

Attendees at “FI Chautauqua,” a week-long financial independence conference, spent up to $3,000 this year (not including airfare) to go to Greece and hear leaders in the FIRE community share tips.

Some who have tried the path of early retirement say it isn’t always as idyllic as it sounds. Socializing with people who still have conventional jobs can be awkward, said Ed Ditto, 49, who retired at 36 as an energy trader and now writes the Early Retirement Dude blog. His solution is to invite friends and neighbors to backyard potlucks.

“I don’t bring up the fact that I don’t have a job,” he said. “If someone is interested, I’ll talk about it, but I don’t want to run the risk of stirring up resentment.”

Mega-savings

FIRE adherents are often millennials and younger members of Generation X who have college degrees and the discipline to adopt a strict do-it-yourself approach to retirement. Many also have above-average incomes that make it easier to save.

B3-CG466_backgr_4U_20181102161721.jpg

Average annual expenditures and income before taxes by income quintile

Expenditures

Income

$175,000

150,000

125,000

100,000

75,000

50,000

25,000

0

Highest

20%

Third

20%

Fourth

20%

Second

20%

Lowest

20%

Note: For July 2016 through June 2017

Source: Bureau of Labor Statistics

Brandon Ganch, 36, who retired from his job as a software engineer in 2016, said his frugality became an obsession and he stressed over small purchases by his wife. He often got upset when visitors took long hot showers at his former Vermont home or his wife ordered a “$15 main course instead of a $10 sandwich” at a restaurant.

“It wasn’t healthy,” said Mr. Ganch, who now lives in Scotland.

“Frugalwoods” author Elizabeth Thames quit her nonprofit job so she could concentrate on a blog about life as a rural Vermont homesteader, a dream made possible by “extreme frugality” her website says. It says she has found “everything from coats to fondue pots to wine glasses” in the trash and that her husband learned to fix the plumbing.

One complaint from readers was that the 33-year-old author and her husband still earn sizable incomes. Nate Thames works for a nonprofit and was paid about $270,000 in 2016, according to his employer’s most recent tax forms. Ms. Thames makes an undisclosed amount from her blog and a recently published book.

“Now I understand why even with cutting everything to the bone, that we haven’t been able to save like they do,” a reader posted in an online review of the book.

Ms. Thames says she is “transparent about the fact that my husband still works a conventional job from home and that I enjoy working for myself through Frugalwoods.com.”

Mr. Sabatier, 33, says his Millennial Money website made $401,000 last year. Blogger Joe Udo, 44, recently disclosed he has made almost $350,000 since starting “Retire by 40” in 2010.

Tanja Hester, author of a blog called Our Next Life, called for FIRE bloggers to be more transparent about their financial lives in a post this year. She said she makes less than $1,000 a year on the blog, but declines to disclose her income from a book advance, saying “there’s no need to share your actual numbers if you are honest with readers about your general financial situation.”

B3-CG182_RETIRE_8SR_20181101172444.jpg

B3-CG364_RETIRE_8SR_20181102121511.jpg

Sylvia Hall’s cupboard contains dried goods bought in bulk and her refrigerator includes pasta, black beans, and quinoa. She spends around $75 a month on groceries. PHOTOS: SYLVIA HALL

Emma Pattee, 28, discovered she missed the social benefits of office life. She left a job in marketing two years ago with the goal of writing a novel. She had $150,000 in savings and more than $900,000 in real-estate equity, stemming from a $144,000 home she purchased in Portland, Ore., in 2012 that she says tripled in value, enabling her to purchase four other rental properties. Ms. Pattee, who married in 2015, says she and her husband, Andrew Hanna, 33, live off the rental income and save his salary in medical administration.

“It was hard to go from working every day in an office full of people to sitting in a tiny apartment by myself,” she said. “It is very isolating.”

Recently she began taking on more freelance work as a copywriter. “I got a lot more meaning from my work than I had realized,” she said. “It is a lot harder to find meaning than to save 70% of your income.”

Ms. Hall, the lawyer from Seattle, is hoping to retire with $2 million in assets at age 40. She currently has $1.5 million in assets and expects to hit her goal by 2020. Her plan then is to “Airbnb-it around the world” for 10 months on a retirement income of about $25,000 and visit friends and family the other two months.

Monthly Spending

Seattle resident Sylvia Hall, 38, keeps herself on a strict budget so that she can save enough to retire in two years.

B3-CG542_backgr_4U_20181102182413.jpg

What Ms. Hall spends each month

What the average person spends*

Total spending

$2,438

3,342

401(k) contributions

4,583.3

563

Mortgage

850

Total savings: $5,329.16

Ms. Hall contributes

to the limit of her Solo 401(k) plan: $55,000 for 2018. She also contributes the maximum allowed to

a Health Savings Account and an IRA.

932

Total groceries

75

339

Restaurants

50

196

Gasoline

20

139

Electricity

20

108

Total taxes

3,533

877

Sources: Sylvia Hall; U.S. Bureau of Labor Statistics; Employee Benefit Research Institute; Fidelity Investments

She said she is aware of the problems that could trip her up, from unexpected health expenses to a prolonged bear market. But she said she has a detailed plan to secure health insurance abroad and if a market downturn dents her nest egg, she is confident she can adjust her lifestyle.

“The goal is to try to live in such a way that I won’t be forced to go back to work.”

FIRE proponents say they account for the danger of fluctuating markets by adhering to a rule-of-thumb pioneered by financial planner William Bengen, who concluded retirees should spend no more than 4.5% of their initial nest egg, adjusted annually for inflation, to ensure a high probability of supporting themselves over decades.

It isn’t quite that simple, Mr. Bengen, 71, said in an interview. Younger retirees are more vulnerable to unexpected expenses, and his rule applies only to tax-advantaged 401(k)s and individual retirement accounts for as long as 30 years.

It took a Category 5 catastrophe for Sylvia Hall to start thinking of changing her approach to her finances. When Hurricane Katrina struck the Gulf Coast in 2005, Ms. Hall, then a New Orleans resident, temporarily lost a home and a paycheck as the first payments were due on $101,600 in law-school debt.

The uncertainty was so unsettling Ms. Hall instituted a strict budget. She started buying discounted meat on its expiration date, took a second job delivering pizzas and began saving half of her $50,000 salary after her law firm reopened in 2006.

After setting aside about $250 a month for discretionary expenses, Ms. Hall devoted the rest—over $2,000 a month—to student loans. By 2009, she had paid off all but $35,000, which she consolidated at 1.6%.

“Not having anything freed me up to not be beholden to stuff and status and to be comfortable and happy with less,” Ms. Hall said. “There’s something liberating about that.”

Ms. Hall plans to have $2 million in assets when she retires.

Ms. Hall plans to have $2 million in assets when she retires. PHOTO: MATT LUTTON FOR THE WALL STREET JOURNAL

She stumbled on the Mr. Money Mustache blog in 2012, after moving to Seattle. The idea of retiring early resonated. She increased her savings to about 70% of her after-tax proceeds, which are now about $100,000, and limited her spending to no more than $30,000 annually. That includes $2,400 a year on car and homeowners’ insurance, $10,200 on mortgage payments and $75 a month on groceries.

Her grocery budget is so detailed she knows how much she will pay each month for oatmeal (a five-pound bag costs her $3), blueberries (a five-pound bag costs $10), popcorn (1 pound for $2) and rice (60 cents per pound). Now a vegan, she buys fruit at a stand that sells “a table of things that didn’t sell” at steep discounts, including brown bananas she freezes and uses for smoothies.

An occasional splurge is a $5 bottle of wine, or a box for $15.

Ms. Hall, who is single, frequently has friends over for potluck dinners, travels using rewards points on her credit cards, and buys season tickets to the theater for a price that works out to about $15 a month.

“I have always lived on very little but never felt I was being deprived,” she said. “If I made twice the money, I don’t think anything would change. There is nothing I want that I don’t have.”

Can You Afford to Retire?

See if your retirement nest egg is future-proofed

Age

Current income

Percentage of salary saved each month

Total savings

Include 401(k), 403(b) and 457 accounts; IRAs; brokerage and bank accounts

Equity in home

Home’s current value minus outstanding mortgage

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Civic Engagement Civil Society, and Philanthropy in the USA,Romania, And Mexico, is about anti-globalization movements: the bright and darksides of globalization, interoperability of Blockchain and Clean Elections inthe United States of America, Romania, and Mexico.
People with commonalities demanding Clean Elections; no moneypacks, like in the U.S., are networking across nations to change the corruptsystems currently in operation.
 
The Introduction to this bookis about the role of civic attitudes, society in Romania, and the UnitedStates, especially on how to fight legally against dictatorships via robustcivic engagement, and the counterweight of civil society. Civil society isgovernment agency.
The strongest civic attitudes are prevalent in the United States, wheremovements like
 UnitedState of WomenWomen’sMarch of CACaliforniaNOW, #CAclean.org,#metoo and #Occupy which had started in 2015 as a result of the double dipdepression.
 
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The Romanian test case is explained next – by exposing the new nomenclaturewhich imposing the nationalistic model by opposing civic engagement.
This theme is taken up by the author in the Biography, where agency and civicsociety are counteracting effectively the statist nationalism of PSD, asocialist popular party masquerading as a democratic party.

ThisBook is about how to build a strong civic polity. In three major countries. Howto beat statism and legally arrest dictators; how to keep foundationstransparent and how to make a profit for the foundations, to earn interest andfurther the main objectives set by NGOs and Foundations. Civic entities can andshould make money to protect against Koch brothers’ types around the world. HowMexican civic actors fight Presidential corruption. How Dragnea of Romania andhis PSD party face loads of corruption charges together with the criminalSecuritate officers embedded in the higher echelons of the society.
That does not continence investigation of government corruption by non-profitfoundations.

 
Chaptersix takes up Mexico as a case study, since 1985.
Pena Nieto, Mexican outgoing President in 2018,
has opposed investigations of his government’s corruption by independentNon-Profit organizations.

Theneed for transparency of expenditures is absolutely paramount in this type ofoperations by NPPOs (not-For -Private -Profit) organizations and Foundations.
TheTEO legislation is laid out and the blueprint between U.S.-Mexico is working,and herein explained for other countries to follow.
TheRomanian Minister of Finances, in 2015, has not approved this blueprint,because they are only interested in extracting money from the taxpayers, and inweakening civic polity.
Thecommunist mentality is still there entrenched in the minds of the technocrats,and bureaucrats; they are not interested in fostering civic engagement or civilsociety, to the contrary, Securitate officers are still running the show,together with incompetent and corrupt Congressman and parliamentarian PSDdominated (one party system, the communists regrouped in), AKA the SocialDemocrats Party, Securitate (ex-security, compromised officers.)
 
Mexicohas finally embarked on a new path for change, as the new elected admin iseradicating the corrupt government employees, cutting down their salaries,perks and focusing on eliminating the drug kingpins from power and Police.
A new dawn seems to be emerging for Mexico with the election of athird party. It is the new presidential and Congressional power.
Isit going to be a government-funded elimination of corrupt Congressmen, andCleansing of the Congress plus Senate, led by famous opposition leader PorfirioMunoz Ledo & AMLO; or will it be just a resuscitation of the old PRI stylegovernment that has long been destroying the country and keeping the majorityof Mexicans in poverty? Will he win the battle against corruption?
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Andhow can the police break their centuries-old habit of corruption? How can thedrug-dealers’ cartels be broken? It will take much time to know. As it is now,civil society’s role is to deflect attacks on Scions financing civil society;can these attacks at a presidential level, on NPPOS be restored to prominence?These are the questions.
Russia,as an authoritarian country is also comparatively analyzed, in comparison toRomania
DrOlga’s Biography is the epitome of Civic Engagement, is the corollary of thisenticing book.
TheConclusion is focusing on various levels of corruption in all 3 countries, andthe prospects for a healthy civic polity, as the civic polity signs up to thenew standards for transparency, inclusion, and equanimity.
The TEO legislation is laid out and theblueprint between U.S.-Mexico is working, and herein explained for othercountries to follow. 
The Romanian Minister of Finances, in2015, has not approved this blueprint, because they are only interested inextracting money from the taxpayers, and a weak civic polity.
 
Civic Engagement Civil Society, andPhilanthropy in the USA, Romania, And Mexico, is about anti-globalizationmovements: the bright and dark sides of globalization,interoperability of Blockchain and Clean Elections in the United Statesof America, Romania, and Mexico.
The Introduction to this book is about therole of civic society in Romania, and the United States, especially on how toplacate dictators and dictatorships via civic engagement and the counterweightof civil society. The Romanian test case is explained – the new nomenclatureimposing the nationalistic model by opposing civic engagement.
This theme is taken up by the author inthe Biography, where agency and civic society are counteractingeffectively the statist nationalism of PSD, a socialist popular partymasquerading as a democratic party.
That does not continence investigation ofgovernment corruption by non-profit foundations.
Chapter six takes up Mexico as a casestudy, since 1985.
Pena Nieto, the Mexican outgoing Presidentin 2018, hasopposed investigations of his government’s corruption by independent Non-Profitorganizations.
The need for transparency of expendituresis absolutely paramount in this type of operations by NPPOs (not-For -Private-Profit) organizations and Foundations.
The TEO legislation is laid out and theblueprint between U.S.-Mexico is working, and herein explained for othercountries to follow.
The Romanian Minister of Finances, in2015, has not approved this blueprint, because they are only interested inextracting money from the taxpayers, and a weak civic polity.
The communist mentality is still thereentrenched in the minds of the technocrats, and bureaucrats; they are notinterested in fostering civic engagement or civil society, to the contrary,Securitate officers are still running the show, together with incompetent andcorrupt Congressman and parliamentarian PSD dominated (one party system, thecommunists regrouped in), AKA the Social Democrats Party, Securitate(ex-security, compromised officers, wiretapping tourists un necessarily.)
 
 
Mexico has finally embarked on a new pathfor change, as the new elected admin is eradicating the corrupt governmentemployees, cutting down their salaries, perks and focusing on eliminatingthe drug kingpins from power and Police. A new dawn seems to be emerging for Mexico with theelection of a third party. It is the new presidential and Congressional power.
 
 Is it going to be agovernment-funded elimination of corrupt Congressmen, and Cleansing of theCongress plus Senate, led by famous opposition leader Porfirio Munoz Ledo &AMLO?
 orwill it be just a resuscitation of the old PRI style government that has longbeen destroying the country and keeping the majority of Mexicans in poverty?
Will AMLO win the battle againstcorruption?
 
What is going to happen? Will the crookedmilitary in the street be replaced by honest police? How does one test honestyin police agents, and Securitate agents? Blockchain software has the answers tothat.
 
And how can the police break theircenturies-old habit of corruption? How can the drug-dealers’ cartels be broken?It will take much time to know. As it is now, civil society’s role is todeflect attacks on Scions financing civil society; can these attacks at apresidential level, on NPPOS be restored to prominence? These are thequestions.
 
The Conclusion is focusing on variouslevels of corruption in all 3 countries, and the prospects for a healthy civicpolity, as the civic polity signs up to the new standards for transparency,inclusion, and equanimity of the human spirit.
 
By same author: https://amzn.to/2wlL2uu
 
READBY THE SAME AUTHOR:
 
DECENTRALIZED GLOBALIZATION, ISBN: 978-970-27-0713-4
 
Theusername @olgamlazinandrei hasbeen created for American Romanian Chamber of Commerce Consulting Group.
It’s noweasier for people to find your Page in search. People can also visit your Pageat fb.me/olgamlazinandrei andsend your Page messages at m.me/olgamlazinandrei.
 
 
Bestseller on Amazon Books: CIVIC ATTITUDE CIVIL SOCIETYLEGALLY STOPPING DICTATORSHIPS: https://wp.me/p29vEX-1sd

Why Civic Engagement, Civil Society, and Philanthropy in the U.S.,Romanian & Mexico Count: https://drolgalazinandrei.wordpress.com/2018/08/31/recenzie-de-carte-tie/ 978-63166-601-5
 
 
 
 
 
 
   

 























APPROVAL FORM  
9/31/18
 
Book PRESS RELEASE: CIVIC ENGAGEMENT,CIVIL SOCIETY, and PHILANTHROPY IN THE USA, ROMANIA & MEXICO
 
 
Publishedby BOOK VENTURE, 740 Pages
ISBN-13:Softcover 978-1-64166-597-1
KINDLE:9781719869942
 
E-pub:978-1-64166-601-5
pdf:978-1-64166-598-8
 
U.S.Library Of Congress:
ISBN-13:  978-1-64166-59’7-1
978-1-64166-598-8978-1-64166-599-5
978-1-64166-601-5
 
 
Price:$26.00 Available on AmazoN.com: https://amzn.to/2P1V1N1
 
Available:BARNES & NOBLE, BOOK VENTURE, In PAPERBACK.
Itis readable on all devices: Tablet, KINDLE, IPAD, ANDROID and IPHONE formats.
Rev.date: 05/12/2018
 
Sincerely, amazon.com/author/olgamagdalenalazin
Olga’s CIVIC ENGAGEMENT CIVIL SOCIETY BOOK: https://amzn.to/2wkygfJ
Or: https://amzn.to/2MeCtf4
My recent book: https://amzn.to/2NEmUuJ 
OLGA’s BLOG ON NUTRITION HISTORY: https://wp.me/p4OAib-3n
Dr. Olga Lazin Channel on youtube: https://www.youtube.com/watch?v=WbJU1h8XZbM&t=7s
BOOK: https://amzn.to/2MBDttI;Recent Link: http://a.co/d/4CXW5lD
Hold Governments Accountable!  http://www.olgalazin.com/books.html
PROFMEX –PROFMEX DIRECTOR OF RESEARCH AND DEVELOPMENT: http://www.profmex.org
CIVIC ENGAGEMENT BOOK: 
https://www.amazon.com/Olga-Magdalena-Lazin/e/B00MDA5BZY
PROFMEX DIRECTOR OF RESEARCH AND DEVELOPMENT: http://www.profmex.com
BLOG: https://drolgalazinandrei.wordpress.com/2018/10/26/steve-s-address/
https://www.acorns.com/invite/MLGYL6
PROFMEX Dr Olga BookPublish
EQUAL PAYFOR WOMEN CALIFORNIA, MAKE A DONATIONhttps://www.facebook.com/donate/301866947322266/?fundraiser_source=external_url
 
 
Civic Engagement Civil Society, and Philanthropy in the USA,
Romania, And Mexico, is about anti-globalization movements: the bright and dark sides of globalization, interoperability of Blockchain and Clean Elections in the United States of America, Romania, and Mexico.
People with commonalities demanding Clean Elections; no money packs, like in the U.S., are networking across nations to change the
corrupt systems currently in operation.
 
The Introduction to this book is about the role of civic attitudes, society in Romania, and the UnitedStates, especially on how to fight legally against dictatorships via robust civic engagement, and the counterweight of civil society. Civil society is a government agency.
The strongest civic attitudes are prevalent in the United States, where movements like
 United States of WomenWomen’sMarch of CACaliforniaNOW, #CAclean.org,#metoo, #WomenMarch, and #Occupy which
started in 2015 as a result of the double-dip depression.
 
Our Foundation people think that public officials should be accountable to voters instead of to big-money contributors.  So we are taking action to remedy this situation by offering clean solutions across the country.
The solution is Fair Elections funding of campaigns for qualified candidates who agree to strict spending limits. We will definitely end pay-to-play
politics as od December 2018.
 
TheAnti-Trump movement has grown strong, with 1 million women showing up at theCapitol Hill in Washington D.C. protesting the upcoming ban on Roe Vs Wade.Equal Pay For Women California is also coming up strong in California, wherealready women are mobilizing by exposing dirty practices by companies likeGoogle, Facebook, and Instagram.

The Romanian test case is explained next – by exposing the new nomenclaturewhich imposing the nationalistic model by opposing civic engagement.
This theme is taken up by the author in the Biography, where agency and civicsociety are counteracting effectively the statist nationalism of PSD, asocialist popular party masquerading as a democratic party.

This Book is about how to build a strong civic polity. In three major countries. Howto beat statism and legally arrest dictators; how to keep foundations transparent and how to make a profit for the foundations, to earn interest andfurther the main objectives set by NGOs and Foundations. Civic entities can and should make money to protect against Koch brothers’ types around the world. HowMexican civic actors fight Presidential corruption. How Dragnea of Romania and his PSD party face loads of corruption charges together with the criminalSecuritate officers embedded in the higher echelons of the society.
That does not continence investigation of government corruption by non-profitfoundations.

 
Chaptersix takes up Mexico as a case study, since 1985.
Pena Nieto, Mexican outgoing President in 2018,
has opposed investigations of his government’s corruption by independentNon-Profit organizations.

Theneed for transparency of expenditures is absolutely paramount in this type ofoperations by NPPOs (not-For -Private -Profit) organizations and Foundations.
TheTEO legislation is laid out and the blueprint between U.S.-Mexico is working,and herein explained for other countries to follow.
TheRomanian Minister of Finances, in 2015, has not approved this blueprint,because they are only interested in extracting money from the taxpayers, and inweakening civic polity.
Thecommunist mentality is still there entrenched in the minds of the technocrats,and bureaucrats; they are not interested in fostering civic engagement or civilsociety, to the contrary, Securitate officers are still running the show,together with incompetent and corrupt Congressman and parliamentarian PSDdominated (one party system, the communists regrouped in), AKA the SocialDemocrats Party, Securitate (ex-security, compromised officers.)
 
Mexicohas finally embarked on a new path for change, as the new elected admin iseradicating the corrupt government employees, cutting down their salaries,perks and focusing on eliminating the drug kingpins from power and Police.
A new dawn seems to be emerging for Mexico with the election of athird party. It is the new presidential and Congressional power.
Isit going to be a government-funded elimination of corrupt Congressmen, andCleansing of the Congress plus Senate, led by famous opposition leader PorfirioMunoz Ledo & AMLO; or will it be just a resuscitation of the old PRI stylegovernment that has long been destroying the country and keeping the majorityof Mexicans in poverty? Will he win the battle against corruption?
Whatis going to happen? Will the crooked military in the street be replaced by thehonest police?
Andhow can the police break their centuries-old habit of corruption? How can thedrug-dealers’ cartels be broken? It will take much time to know. As it is now,civil society’s role is to deflect attacks on Scions financing civil society;can these attacks at a presidential level, on NPPOS be restored to prominence?These are the questions.
Russia,as an authoritarian country is also comparatively analyzed, in comparison toRomania
DrOlga’s Biography is the epitome of Civic Engagement, is the corollary of thisenticing book.
TheConclusion is focusing on various levels of corruption in all 3 countries, andthe prospects for a healthy civic polity, as the civic polity signs up to thenew standards for transparency, inclusion, and equanimity.
The TEO legislation is laid out and theblueprint between U.S.-Mexico is working, and herein explained for othercountries to follow. 
The Romanian Minister of Finances, in2015, has not approved this blueprint, because they are only interested inextracting money from the taxpayers, and a weak civic polity.
 
Civic Engagement Civil Society, andPhilanthropy in the USA, Romania, And Mexico, is about anti-globalizationmovements: the bright and dark sides of globalization,interoperability of Blockchain and Clean Elections in the United Statesof America, Romania, and Mexico.
The Introduction to this book is about therole of civic society in Romania, and the United States, especially on how toplacate dictators and dictatorships via civic engagement and the counterweightof civil society. The Romanian test case is explained – the new nomenclatureimposing the nationalistic model by opposing civic engagement.
This theme is taken up by the author inthe Biography, where agency and civic society are counteractingeffectively the statist nationalism of PSD, a socialist popular partymasquerading as a democratic party.
That does not continence investigation ofgovernment corruption by non-profit foundations.
Chapter six takes up Mexico as a casestudy, since 1985.
Pena Nieto, the Mexican outgoing Presidentin 2018, hasopposed investigations of his government’s corruption by independent Non-Profitorganizations.
The need for transparency of expendituresis absolutely paramount in this type of operations by NPPOs (not-For -Private-Profit) organizations and Foundations.
The TEO legislation is laid out and theblueprint between U.S.-Mexico is working, and herein explained for othercountries to follow.
The Romanian Minister of Finances, in2015, has not approved this blueprint, because they are only interested inextracting money from the taxpayers, and a weak civic polity.
The communist mentality is still thereentrenched in the minds of the technocrats, and bureaucrats; they are notinterested in fostering civic engagement or civil society, to the contrary,Securitate officers are still running the show, together with incompetent andcorrupt Congressman and parliamentarian PSD dominated (one party system, thecommunists regrouped in), AKA the Social Democrats Party, Securitate(ex-security, compromised officers, wiretapping tourists un necessarily.)
 
 
Mexico has finally embarked on a new pathfor change, as the new elected admin is eradicating the corrupt governmentemployees, cutting down their salaries, perks and focusing on eliminatingthe drug kingpins from power and Police. A new dawn seems to be emerging for Mexico with theelection of a third party. It is the new presidential and Congressional power.
 
 Is it going to be agovernment-funded elimination of corrupt Congressmen, and Cleansing of theCongress plus Senate, led by famous opposition leader Porfirio Munoz Ledo &AMLO?
 orwill it be just a resuscitation of the old PRI style government that has longbeen destroying the country and keeping the majority of Mexicans in poverty?
Will AMLO win the battle againstcorruption?
 
What is going to happen? Will the crookedmilitary in the street be replaced by honest police? How does one test honestyin police agents, and Securitate agents? Blockchain software has the answers tothat.
 
And how can the police break theircenturies-old habit of corruption? How can the drug-dealers’ cartels be broken?It will take much time to know. As it is now, civil society’s role is todeflect attacks on Scions financing civil society; can these attacks at apresidential level, on NPPOS be restored to prominence? These are thequestions.
 
The Conclusion is focusing on variouslevels of corruption in all 3 countries, and the prospects for a healthy civicpolity, as the civic polity signs up to the new standards for transparency,inclusion, and equanimity of the human spirit.
 
By same author: https://amzn.to/2wlL2uu
 
READBY THE SAME AUTHOR:
 
DECENTRALIZED GLOBALIZATION, ISBN: 978-970-27-0713-4
 
Theusername @olgamlazinandrei hasbeen created for American Romanian Chamber of Commerce Consulting Group.
It’s noweasier for people to find your Page in search. People can also visit your Pageat fb.me/olgamlazinandrei andsend your Page messages at m.me/olgamlazinandrei.
 
 
Bestseller on Amazon Books: CIVIC ATTITUDE CIVIL SOCIETYLEGALLY STOPPING DICTATORSHIPS: https://wp.me/p29vEX-1sd

Why Civic Engagement, Civil Society, and Philanthropy in the U.S.,Romanian & Mexico Count: https://drolgalazinandrei.wordpress.com/2018/08/31/recenzie-de-carte-tie/ 978-63166-601-5
 
 
 
 






 
 
If you require any changes, please contact us and DO NOT return this form.
 
Name
 
E-mail to Order: olazin@ucla.edu
 
   

 

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APPROVAL FORM  

9/31/18

Book PRESS RELEASE: CIVIC ENGAGEMENT, CIVIL SOCIETY, and PHILANTHROPY IN THE USA, ROMANIA & MEXICO

Published by BOOK VENTURE, 740 Pages

ISBN-13: Softcover 978-1-64166-597-1

KINDLE: 9781719869942

E-pub: 978-1-64166-601-5

pdf: 978-1-64166-598-8

U.S. Library Of Congress:

ISBN -13:  978-1-64166-59’7-1

978-1-64166-598-8 978-1-64166-599-5

978-1-64166-601-5

Price: $26.00 Available on AmazoN.com: https://amzn.to/2P1V1N1

Available: BARNES & NOBLE, BOOK VENTURE, In PAPERBACK.

It is readable on all devices: Tablet, KINDLE, IPAD, ANDROID and IPHONE formats.

Rev. date: 05/12/2018

Sincerely, amazon.com/author/olgamagdalenalazin

Olga’s CIVIC ENGAGEMENT CIVIL SOCIETY BOOK: https://amzn.to/2wkygfJ

Or: https://amzn.to/2MeCtf4

My recent book: https://amzn.to/2NEmUuJ 

OLGA’s BLOG ON NUTRITION HISTORY: https://wp.me/p4OAib-3n

Dr. Olga Lazin Channel on youtube: https://www.youtube.com/watch?v=WbJU1h8XZbM&t=7s

BOOK: https://amzn.to/2MBDttI; Recent Link: http://a.co/d/4CXW5lD

Hold Governments Accountable!  http://www.olgalazin.com/books.html

PROFMEX –PROFMEX DIRECTOR OF RESEARCH AND DEVELOPMENT: http://www.profmex.org

CIVIC ENGAGEMENT BOOK: https://www.amazon.com/Olga-Magdalena-Lazin/e/B00MDA5BZY

PROFMEX DIRECTOR OF RESEARCH AND DEVELOPMENT: http://www.profmex.com

BLOG: https://drolgalazinandrei.wordpress.com/2018/10/26/steve-s-address/

https://www.acorns.com/invite/MLGYL6

PROFMEX Dr Olga Book Publish

EQUAL PAY FOR WOMEN CALIFORNIA, MAKE A DONATIONhttps://www.facebook.com/donate/301866947322266/?fundraiser_source=external_url

Civic Engagement Civil Society, and Philanthropy in the USA, Romania, And Mexico, is about anti-globalization movements: the bright and dark sides of globalization, interoperability of Blockchain and Clean Elections in the United States of America, Romania, and Mexico.

People with commonalities demanding Clean Elections; no money packs, like in the U.S., are networking across nations to change the corrupt systems currently in operation.

The Introduction to this book is about the role of civic attitudes, society in Romania, and the United States, especially on how to fight legally against dictatorships via robust civic engagement, and the counterweight of civil society. Civil society is government agency.
The strongest civic attitudes are prevalent in the United States, where movements like
 United State of WomenWomen’s March of CACalifornia NOW, #CAclean.org, #metoo and #Occupy which had started in 2015 as a result of the double dip depression.

Our Foundation people think that public officials should be accountable to voters instead of to big money contributors.  So we are taking action to remedy this situation by offering clean solutions across the country.

The solution is Fair Elections funding of campaigns for qualified candidates who agree to strict spending limits. We will end pay-to-play politics as od December 2018.

The Anti-Trump movement has grown strong, with 1 million women showing up at the Capitol Hill in Washington D.C. protesting the upcoming ban on Roe Vs Wade. Equal Pay For Women California is also coming up strong in California, where already women are mobilizing by exposing dirty practices by companies like Google, Facebook, and Instagram.


The Romanian test case is explained next – by exposing the new nomenclature which imposing the nationalistic model by opposing civic engagement.
This theme is taken up by the author in the Biography, where agency and civic society are counteracting effectively the statist nationalism of PSD, a socialist popular party masquerading as a democratic party.

This Book is about how to build a strong civic polity. In three major countries. How to beat statism and legally arrest dictators; how to keep foundations transparent and how to make a profit for the foundations, to earn interest and further the main objectives set by NGOs and Foundations. Civic entities can and should make money to protect against Koch brothers’ types around the world. How Mexican civic actors fight Presidential corruption. How Dragnea of Romania and his PSD party face loads of corruption charges together with the criminal Securitate officers embedded in the higher echelons of the society.
That does not continence investigation of government corruption by non-profit foundations.

Chapter six takes up Mexico as a case study, since 1985.
Pena Nieto, Mexican outgoing President in 2018,
has opposed investigations of his government’s corruption by independent Non-Profit organizations.

The need for transparency of expenditures is absolutely paramount in this type of operations by NPPOs (not-For -Private -Profit) organizations and Foundations.

The TEO legislation is laid out and the blueprint between U.S.-Mexico is working, and herein explained for other countries to follow.

The Romanian Minister of Finances, in 2015, has not approved this blueprint, because they are only interested in extracting money from the taxpayers, and in weakening civic polity.

The communist mentality is still there entrenched in the minds of the technocrats, and bureaucrats; they are not interested in fostering civic engagement or civil society, to the contrary, Securitate officers are still running the show, together with incompetent and corrupt Congressman and parliamentarian PSD dominated (one party system, the communists regrouped in), AKA the Social Democrats Party, Securitate (ex-security, compromised officers.)

Mexico has finally embarked on a new path for change, as the new elected admin is eradicating the corrupt government employees, cutting down their salaries, perks and focusing on eliminating the drug kingpins from power and Police.

A new dawn seems to be emerging for Mexico with the election of a third party. It is the new presidential and Congressional power.

Is it going to be a government-funded elimination of corrupt Congressmen, and Cleansing of the Congress plus Senate, led by famous opposition leader Porfirio Munoz Ledo & AMLO; or will it be just a resuscitation of the old PRI style government that has long been destroying the country and keeping the majority of Mexicans in poverty? Will he win the battle against corruption?

What is going to happen? Will the crooked military in the street be replaced by the honest police?

And how can the police break their centuries-old habit of corruption? How can the drug-dealers’ cartels be broken? It will take much time to know. As it is now, civil society’s role is to deflect attacks on Scions financing civil society; can these attacks at a presidential level, on NPPOS be restored to prominence? These are the questions.

Russia, as an authoritarian country is also comparatively analyzed, in comparison to Romania

Dr Olga’s Biography is the epitome of Civic Engagement, is the corollary of this enticing book.

The Conclusion is focusing on various levels of corruption in all 3 countries, and the prospects for a healthy civic polity, as the civic polity signs up to the new standards for transparency, inclusion, and equanimity.

The TEO legislation is laid out and the blueprint between U.S.-Mexico is working, and herein explained for other countries to follow. 

The Romanian Minister of Finances, in 2015, has not approved this blueprint, because they are only interested in extracting money from the taxpayers, and a weak civic polity.

Civic Engagement Civil Society, and Philanthropy in the USA, Romania, And Mexico, is about anti-globalization movements: the bright and dark sides of globalization, interoperability of Blockchain and Clean Elections in the United States of America, Romania, and Mexico.

The Introduction to this book is about the role of civic society in Romania, and the United States, especially on how to placate dictators and dictatorships via civic engagement and the counterweight of civil society. The Romanian test case is explained – the new nomenclature imposing the nationalistic model by opposing civic engagement.

This theme is taken up by the author in the Biography, where agency and civic society are counteracting effectively the statist nationalism of PSD, a socialist popular party masquerading as a democratic party.

That does not continence investigation of government corruption by non-profit foundations.

Chapter six takes up Mexico as a case study, since 1985.

Pena Nieto, the Mexican outgoing President in 2018, has opposed investigations of his government’s corruption by independent Non-Profit organizations.

The need for transparency of expenditures is absolutely paramount in this type of operations by NPPOs (not-For -Private -Profit) organizations and Foundations.

The TEO legislation is laid out and the blueprint between U.S.-Mexico is working, and herein explained for other countries to follow.

The Romanian Minister of Finances, in 2015, has not approved this blueprint, because they are only interested in extracting money from the taxpayers, and a weak civic polity.

The communist mentality is still there entrenched in the minds of the technocrats, and bureaucrats; they are not interested in fostering civic engagement or civil society, to the contrary, Securitate officers are still running the show, together with incompetent and corrupt Congressman and parliamentarian PSD dominated (one party system, the communists regrouped in), AKA the Social Democrats Party, Securitate (ex-security, compromised officers, wiretapping tourists un necessarily.)

Mexico has finally embarked on a new path for change, as the new elected admin is eradicating the corrupt government employees, cutting down their salaries, perks and focusing on eliminating the drug kingpins from power and Police. A new dawn seems to be emerging for Mexico with the election of a third party. It is the new presidential and Congressional power.

 Is it going to be a government-funded elimination of corrupt Congressmen, and Cleansing of the Congress plus Senate, led by famous opposition leader Porfirio Munoz Ledo & AMLO?

 or will it be just a resuscitation of the old PRI style government that has long been destroying the country and keeping the majority of Mexicans in poverty?

Will AMLO win the battle against corruption in Mexico?

What is going to happen? Will the crooked military in the street be replaced by honest police? How does one test honesty in police agents, and Securitate agents? Blockchain software has the answers to that.

And how can the police break their centuries-old habit of corruption? How can the drug-dealers’ cartels be broken? It will take much time to know. As it is now, civil society’s role is to deflect attacks on Scions financing civil society; can these attacks at a presidential level, on NPPOS be restored to prominence? These are the questions.

The Conclusion is focusing on various levels of corruption in all 3 countries, and the prospects for a healthy civic polity, as the civic polity signs up to the new standards for transparency, inclusion, and equanimity of the human spirit.

By same author: https://amzn.to/2wlL2uu

SUPPORT PROFMEX: When you shop @AmazonSmile, Amazon will make a donation to PROFMEX, Romanian Journalists Around the World, UCLA Alumni, dr olga essential oils. https://smile.amazon.com/ch/95-3905866

READ BY THE SAME AUTHOR:

DECENTRALIZED GLOBALIZATION, ISBN: 978-970-27-0713-4

The username @olgamlazinandrei has been created for American Romanian Chamber of Commerce Consulting Group.

It’s now easier for people to find your Page in search. People can also visit your Page at fb.me/olgamlazinandrei and send your Page messages at m.me/olgamlazinandrei.

Bestseller on Amazon Books: CIVIC ATTITUDE CIVIL SOCIETY LEGALLY STOPPING DICTATORSHIPS: https://wp.me/p29vEX-1sd
Why Civic Engagement, Civil Society, and Philanthropy in the U.S., Romanian & Mexico Count: https://drolgalazinandrei.wordpress.com/2018/08/31/recenzie-de-carte-tie/ 978-63166-601-5

CONTACT: 1-310-633-3676.            

Now you can support PROFMEX – Consortium for Research On Mexico on FACEBOOK: PROFMEX – The U.S. Consortium for Research On Mexico

Your donation to PROFMEX is Tax-deductible; WE SEND YOU A RECEIPT.
Interested in writing and researching Mexican history? Interested in writing and publishing YOUR Thesis on Mexico, or on networking with Mexican Academics, then consult with us as today: 1-310-208-2244. Best intellectual copyright issues resolved. All things U.S.-Mexico literary-collaborations, publications-related, including EPUB, or KINDLE. Shoot us an Email: olazin@ucla.edu OR olgalazin@gmail.com

30 Life Lessons From TEACHING SCIENCE BASED READING OR PHONICS

BY DR OLGA MAGDALENA LAZIN, UCLA

Now you can support PROFMEX – Consortium for Research On Mexico:

Your donation to PROFMEX is Tax-deductible; WE SEND YOU A RECEIPT.
Interested in writing and researching Mexican history? Interested in writing and publishing YOUR Thesis on Mexico, or on networking with Mexican Academics, then consult with us as today: 1-310-208-2244. Best intellectual copyright issues resolved. All things U.S.-Mexico literary-collaborations, publications-related, including EPUB, or KINDLE. Shoot us an Email: olazin@ucla.edu

Open YOUR Savings account here: https://www.acorns.com/invite/MLGYL6

With My Cousin CAROLINE LAZIN BOYD.

AND STEVE LAZIN OF VANCOUVER, CANADA. 604-675-9205

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PRESS RELEASE: CIVIC ENGAGEMENT CIVIL SOCIETY & PHILANTHROPY IN THE U.S., Romania & Mexico

Bestseller On Amazon Books: CIVIC ATTITUDE CIVIL SOCIETY LEGALLY STOPPING DICTATORSHIPS: https://wp.me/p29vEX-1sd
Why Civic Engagement, Civil Society, and Philanthropy in the U.S., Romanian & Mexico Count:

Link: CIVIC ENGAGEMENT CIVIL SOCIETY AND PHILANTHROPY IN THE USA, ROMANIA AND MEXICO

Civic Engagement Civil Society, and Philanthropy in the USA, Romania, And Mexico, is about anti-globalization movements: the bright and dark sides of globalization, interoperability of Blockchain and Clean Elections in the United States of America, Romania, and Mexico.

The Introduction to this book is about the role of civic attitudes, society in Romania, and the United States, especially on how to fight legally against dictatorships and via robust civic engagement and counterweight of civil society.
The strongest civic attitudes are prevalent in the United States, where movements like #metoo and #Occupy had started in 2015.
The Romanian test case is explained next – by exposing the new nomenclature which imposing the nationalistic model by opposing civic engagement.
This theme is taken up by the author in the Biography, where agency and civic society are counteracting effectively the statist nationalism of PSD, a socialist popular party masquerading as a democratic party.
That does not continence investigation of government corruption by non-profit foundations.

Chapter six takes up Mexico as a case study, since 1985.
Pena Nieto, Mexican outgoing President in 2018,
has opposed investigations of his government’s corruption by independent Non-Profit organizations.

The need for transparency of expenditures is absolutely paramount in this type of operations by NPPOs (not-For -Private -Profit) organizations and Foundations.

The TEO legislation is laid out and the blueprint between U.S.-Mexico is working, and herein explained for other countries to follow.

The Romanian Minister of Finances, in 2015, has not approved this blueprint, because they are only interested in extracting money from the taxpayers, and in weakening civic polity.

The communist mentality is still there entrenched in the minds of the technocrats, and bureaucrats; they are not interested in fostering civic engagement or civil society, to the contrary, Securitate officers are still running the show, together with incompetent and corrupt Congressman and parliamentarian PSD dominated (one party system, the communists regrouped in), AKA the Social Democrats Party, Securitate (ex-security, compromised officers.)

Mexico has finally embarked on a new path for change, as the new elected admin is eradicating the corrupt government employees, cutting down their salaries, perks and focusing on eliminating the drug kingpins from power and Police.

A new dawn seems to be emerging for Mexico with the election of a third party. It is the new presidential and Congressional power.

Is it going to be a government-funded elimination of corrupt Congressmen, and Cleansing of the Congress plus Senate, led by famous opposition leader Porfirio Munoz Ledo & AMLO; or will it be just a resuscitation of the old PRI style government that has long been destroying the country and keeping the majority of Mexicans in poverty? Will he win the battle against corruption?

What is going to happen? Will the crooked military in the street be replaced by the honest police?

And how can the police break their centuries-old habit of corruption? How can the drug-dealers cartels be broken? It will take much time to know. As it is now, civil society’s role is to deflect attacks on Scions financing civil society; can these attacks at a presidential level, on NPPOS be restored to prominence? These are the questions.

Dr Olga’s Biography is the epitome of Civic Engagement

The Conclusion is focusing on various levels of corruption in all 3 countries, and the prospects for a healthy civic polity, as the civic polity signs up to the new standards for transparency, inclusion, and equanimity.

_______________

The TEO legislation is laid out and the blueprint between U.S.-Mexico is working, and herein explained for other countries to follow.

The Romanian Minister of Finances, in 2015, has not approved this blueprint, because they are only interested in extracting money from the taxpayers, and a weak civic polity.

OLGA M LAZIN, 78/1/2018

Civic Engagement Civil Society, and Philanthropy in the USA, Romania, And Mexico, is about anti-globalization movements: the bright and dark sides of globalization, interoperability of Blockchain and Clean Elections in the United States of America, Romania, and Mexico.

The Introduction to this book is about the role of civic society in Romania, and the United States, especially on how to placate dictators and dictatorships via civic engagement and the counterweight of civil society. The Romanian test case is explained – the new nomenclature imposing the nationalistic model by opposing civic engagement.

This theme is taken up by the author in the Biography, where agency and civic society are counteracting effectively the statist nationalism of PSD, a socialist popular party masquerading as a democratic party.

That does not continence investigation of government corruption by non-profit foundations.

Chapter six takes up Mexico as a case study, since 1985.

Pena Nieto, Mexican outgoing President in 2018,

has opposed investigations of his government’s corruption by independent Non-Profit organizations.

The need for transparency of expenditures is absolutely paramount in this type of operations by NPPOs (not-For -Private -Profit) organizations and Foundations.

The TEO legislation is laid out and the blueprint between U.S.-Mexico is working, and herein explained for other countries to follow.

The Romanian Minister of Finances, in 2015, has not approved this blueprint, because they are only interested in extracting money from the taxpayers, and a weak civic polity.

The communist mentality is still there entrenched in the minds of the technocrats, and bureaucrats; they are not interested in fostering civic engagement or civil society, to the contrary, Securitate officers are still running the show, together with incompetent and corrupt Congressman and parliamentarian PSD dominated (one party system, the communists regrouped in), AKA the Social Democrats Party, Securitate (ex-security, compromised officers.)

Mexico has finally embarked on a new path for change, as the new elected admin is eradicating the corrupt government employees, cutting down their salaries, perks and focusing on eliminating the drug kingpins from power and

Police. A new dawn seems to be emerging for Mexico with the election of a third party. It is the new presidential and Congressional power.

Is it going to be a government-funded elimination of corrupt Congressmen, and Cleansing of the Congress plus Senate, led by famous opposition leader Porfirio Munoz Ledo & AMLO; or will it be just a resuscitation of the old PRI style government that has long been destroying the country and keeping the majority of Mexicans in poverty? Will he win the battle against corruption?

What is going to happen? Will the crooked military in the street be replaced by the honest police?

And how can the police break their centuries-old habit of corruption? How can the drug-dealers cartels be broken? It will take much time to know. As it is now, civil society’s role is to deflect attacks on Scions financing civil society; can these attacks at a presidential level, on NPPOS be restored to prominence? These are the questions.

The Conclusion is focusing on various levels of corruption in all 3 countries, and the prospects for a healthy civic polity, as the civic polity signs up to the new standards for transparency, inclusion, and equanimity.

PRESS RELEASE: http://www.olgalazin.com/books.htmlSignature Over Printed Name Date

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Recenzie A Cartii: Angajament civic, Societatea civilă și filantropia In SUA, România și Mexic

Civic Engagement, Civil Society, and Philanthropy in the U.S., Romanian & Mexico
by Dr Olga Magdalena Lazin
Link: Civic Engagement, Civil Society, and Philanthropy in the U.S., Romanian & Mexico by Dr Olga Magdalena Lazin Link: http://a.co/j655Hyo
760 de pagini, BookVenture, USA, ISBN

Cartea “Angajament civic, Societatea civilă și filantropia In SUA, România și Mexic, se referă la mișcările anti-globalizare: laturile luminoase și întunecate ale globalizării, interoperabilitatea softului Blockchain și alegerile directe, în Statele Unite ale Americii, România și Mexic.

Prefata acestei cărți este o analiza a rolului societății civice din România și al Statelor Unite, în special în ceea ce privește modul în care să se placheaza dictatorii și dictaturile prin intermediul angajamentului civic al actorilor societății civile, numiti si agency in America.

Capitolul I expune cazul României – si cum noua nomenclatură impune modelul naționalist prin opoziția față de atitudinile actorilor civili ori a celor angajati civic in atacul direct al coruptilor, denuntandu-i ca “nepatriotici”, terorisit, ori tradatori ai tarii. Autoarea recunoaste aici paradigma Scolii lui Putin de dezinformare.

Această temă este preluată de autor în Capitolul, 1-2-3 si 4, unde toate laturile societii sunt analizate: Sectorul Public, sectorul privat, sectorul mix (privat si public), cat si sectorul cel mai important, cel CIVIC, atitudinea civică a actorilor din societatea civilă, si corolarul acesteia, sectorul filantropic.

In Capitolul asupra Romaniei, date statistice prelevate din 1989,sunt agregate cu dare despre atitudinea civica, ori agenția, numita si angajament civic, denota slaba pregătire a actorilor civici. Cu toate acestea, Agenții civici și societatea civică sunt interrelationate, si contracarează în mod eficient naționalismul statist al PSD, un partid popularist socialist care se erijeaza intr-un partid democratic. Fostii agenti de securitate sunt liderii Partidului Social-Democrat, si isi continua activitatea nestingheriti; singura opozitie fiind actorii cu atitudine civica care expun coruptia indivizilor.

PSD se opun investigatiei corupților din guvern, si se opun investigatiilor lui Kovesi, fabricand scenarii de terminare a DNA.

Ramine deci in mana societatii civice investigarea de către fundațiile non-profit a transgresiunilor PSD, si expunerea acestor securisti, inradacinati in esaloanele societatii romanesti.

Capitolul al șaselea preia cazul Mexicul, ca si studiu de caz. Nasterea societatii civile Mexicane in cepe din 1985, in urma cutremurului care a distrus multe vieti si distrus infrastructura in Mexico City.
Asa s-a nascut atitudinea civica a milioane de Mexicani, care au pus mana de la mina si au reconstituit societatea in capitala. Aceasta atitudine s-a raspindit apoi in intraga tara.
Dar partidul cu membrii majoritari, PRI, in frunte cu Pena Nieto, președintele mexican în exercițiu în 2018, s-a opus investigațiilor privind corupția guvernului său de către organizații independente de non-profit.
Claudio X Gonzáles Laporte, un magnat care a finantat NGO-uri, si care au atacat acest presedinte corupt pentru nepotismul si clientelismul cu care opereaza deja de 4 ani.

Nevoia de transparență a cheltuielilor este absolut primordială în acest tip de operațiuni de către organizațiile și fundațiile NPPO (non-For-Privat-Profit).

Legislația TEO (tax-exempt-Organizations) este stabilită, iar planul dintre S.U.A.-Mexic funcționează foarte bineși este explicat in cele 5 capitole pentru a lua exemplu, a se inspira si alte țări. USA are cea mai mare cantitate de bani,care poate fi transmisa, Romaniei cu conditia ca legislatia acesteia sa fie compatibila cu cea a USA.

Ministrul român al Finanțelor, în 2015, nu a aprobat acest plan, deoarece este interesat doar de extragerea banilor de la contribuabili și o slabă societate civică

Mentalitatea comunistă este încă înrădăcinată în mintea tehnocraților și birocraților; ei nu sunt interesați să promoveze angajamentul civic sau societatea civilă, dimpotrivă, ofițerii Securității conduc în continuare spectacolul împreună cu congresmanul și parlamentarul incompetent și corupt dominat de PSD (un sistem de partid, comuniștii regrupați), AKA Partidul Social Democrat , Securitate (ex-securitate, ofițeri criminali,toți securistii care sunt azi in guvern.)

Mexicul s-a angajat în cele din urmă pe o nouă cale de schimbare, deoarece noul administrator ales elimină angajații corupți, reducând salariile, avantajele și concentrându-se pe eliminarea drogurilor de la putere și a ofiterilor corupti de Politie, care lucreaza impreuna cu drugpins. O nouă speranta pare să apară pentru Mexic prin alegerea recent la putere a unui nou partid, a unei terțe părți numite PRD.
Este vorba despre AMLO, si noua putere prezidențială, cat și a Congresului. In Decembrie va fi inaugurat noul presedinte care este totalmente impotriva coruptiei, si care a fost finantat de un magnat, pentru a schimba un stat falimentar oricum,

olga 3
olga 3

Este vorba despre:

a. eliminarea congresmanilor corupți și a curățării Congresului plus Senatului, condusă de faimosul lider al opoziției, Porfirio Munoz Ledo (mana dreapta a lui AMLO);

b. Ori va fi doar o resuscitare a vechiului guvern în stil PRI (PSD ul Mexican), care a distrus mult timp țara și a menținut majoritatea mexicanilor în sărăcie? Va câștiga noua administratie lupta împotriva corupției?

Ce se va întâmpla? Va fi înlocuit militarul strâmb si corupt în stradă cu o poliție onestă (pare a fi un oximoron)?

Și cum poate poliția să-și rupă obiceiurile vechi inradacinate de luare de mita, de secole? Cum pot fi distruse cartelurile de droguri? Va dura mult timp să știți. Așa cum este în prezent, rolul societății civile este de a elimina atacurile asupra științelor care finanțează societatea civilă; pot ataca aceste atacuri la nivel prezidențial, pe NPPOS? Acestea sunt întrebările.

Concluzia se concentrează asupra diferitelor niveluri de corupție din toate cele 3 țări și asupra perspectivelor unei politici civice sănătoase, deoarece politica civică se înscrie în noile standarde de transparență, incluziune și echanimitate.
Aplicând semnătura mea de mai jos, aprob prin prezenta lansarea materialelor de marketing pentru serviciile de mai sus.


Hold Governments Accountable! http://www.olgalazin.com/books.html

My recent book: https://amzn.to/2NEmUuJ

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PROFMEX – DIRECTOR RESEARCH & DEVELOPMENT: http://www.profmex.com

BLOG: http://olgaandrassy.blogspot.com/2018/07/amazoncom-eternal-mexican-revolutions.html

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COMANDATI AICI: ATITUDINI CIVICE< SOCIETATE CIVILA< FILANTROPIE IN ROMANIA SI USA
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SUGESTII:

EMOTIILE, ROLUL LOR

Suntem fericiți, triști, ne este teamă uneori… totuși, aceste emoții ne pot face rău uneori. Îți poate părea de necrezut, însă este adevărat! Știai că emoțiile te pot îmbolnăvii? Daca nu esti deja bolnav de totului din cauza lor!
Emoțiile negative, pot de multe ori să ne istovească și să ne încarce cu energie negativă. Toate astea pot afecta organele interne și astfel apar tot soiul de boli, a căror existență nu ne-o putem justifica. Nu ți s-a întâmplat ca după ce ai experimentat emoții puternice, să ai probleme cu tranzitul sau chiar de tensiune?

Iată în ce mod ne afectează emoțiile viața:

1. Furia– dacă ți se întâmplă des să te înfurii, acest lucru va avea efecte grave asupra ficatului. Bolile hepatice pot fi fatale, nu uita!
2. Șocurile – este destul de dificil să îți controlezi emoțiile, însă încearcă să stai cât de departe posibil de șocuri, deoarece acestea îți vor afecta rinichii și inima. Și bolile cardiovasculare sunt fatale.
3. Frica – de câte ori, mai ales când erai copil, nu ți-a fost frică sau nu te-a speriat cineva? Frica este foarte periculoasă pentru organism, deoarece îți poate deregla funcțiile rinichilor.

Citește și Cum putem opri să absorbim emoțiile altor oameni.
4. Teama – dacă îți faci prea multe griji, stomacul tău va avea de suferit. De asemenea și splina are un cuvânt de spus, atunci când vine vorba de temeri.

5. Tristețea – cu siguranță nu poți controla tristețea, însă încearcă măcar să îi reduci impactul. Tristețea îți afectează plămânii, duce la apariția oboselii și atrage depresia.

6. Stresul– este chiar greu să evităm stresul, mai ales în zilele noastre. Încearcă totuși să nu iei fiecare eveniment cotidian, ca pe un motiv de stres, deoarece creierul și inima vor avea de suferit.

Gelozia: dauneaza creierului. Nu merita!

Dr Olga ESSENTIALs

PROFMEX – DIRECTOR OF RESEARCH AND DEVELOPMENT

LinkedIn: http://www.linkedin.com/in/olgaandrei/

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On KINDLE:

This is a direct link to the Kindle edition of your eBook:
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YOUTUBE Video Channel: https://youtu.be/LSe-huIO6hE OLGALAZIN

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