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    Positive Financial Karma
    Positive Financial Karma
    Positive Financial Karma
    Ebook138 pages1 hour

    Positive Financial Karma

    By Daniel J. Geltrude

    ()

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    About this ebook

    Dan Geltrude, known as “America’s Accountant,” delivers his unique brand of financial common sense in this breezy, easy-to-understand book, where you can learn how to achieve Positive Financial Karma.  There are many books about finance and there are books about karma, but very few combine the two.

    The easiest way to

    LanguageEnglish
    PublisherDaniel J. Geltrude
    Release dateFeb 15, 2019
    ISBN9780578419596
    Positive Financial Karma

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      Book preview

      Positive Financial Karma - Daniel J. Geltrude

      Positive Financial Karma

      Daniel J. Geltrude

      Cover Artwork by Bill Lopa

      Back Cover Photo by Alexander Wenkel

      Copyright © 2019 by Daniel J. Geltrude

      No part of this publication may be reproduced in any form or by any means, electronic or mechanical, including photocopy, recording or any information storage and retrieval system now known or to be invented, without permission in writing from the author, except by a reviewer who wishes to quote brief passages in connection with a review written for inclusion in a magazine, newspaper or broadcast.

      Printed in the United States of America

      First Printing, 2019

      ISBN: 978-0-578-41957-2

      ISBN: 978-0-578-41959-6 (e-book)

      About the Author

      Daniel J. Geltrude

      Dan Geltrude, known as America’s Accountant and the Finance Guru, delivers his unique brand of financial common sense to his clients and as a frequent guest expert on Fox News, CBS and NBC, to name just a few outlets. A business owner and college professor, he is also a longtime radio voice. A gifted communicator, Dan was the commencement speaker at his college graduation at Rider University, where he received his Bachelor’s Degree in Accounting.

      The author founded Geltrude & Company, LLC in 1995, and cultivated it from sole practitioner to a leading accounting and financial consulting firm located just outside Manhattan. Dan is a Certified Public Accountant and business consultant who specializes in serving real estate developers, successful entrepreneurs, privately owned businesses and wealthy families. He has a Master’s Degree in Taxation from Fairleigh Dickinson University and a Master’s Degree in Human Resources and Employment Relations from Penn State University.

      Positive Financial Karma is Dan’s first book, covering a range of topics that will be familiar to his business and personal clients and the countless viewers and listeners who follow him in the national media.

      For more information about Dan, visit www.DanGeltrude.com and www.Geltrude.com. Also follow Dan on Twitter at @DanGeltrude.

      About the Artist

      Bill Lopa

      Bill Lopa has been the Official Commemorative Artist of the Super Bowl, World Series, Major League baseball All-Star game and Kentucky Derby. He has been commissioned by celebrities including Michael Jordan, Derek Jeter, Barbara Sinatra, Mariano Rivera and Peyton Manning.

      Lopa’s artwork has been featured in galleries across the country. His paintings have helped raise money for the American Cancer Society, Barbara Sinatra Children’s Center, Klein Family Learning Center, Jockeys’ Guild, James Graham Brown Cancer Center, the Leukemia Foundation and the V Foundation for Cancer Research.

      Some of his work can be found at www.LopaStudios.com.

      Cover Art

      Interpretation

      Bill Lopa has captured the essence of Positive Financial Karma with his dazzling painting of Wall Street. We see the bull and bear battling for control of the stock market, while Dan Geltrude rises upon scaffolding in deep meditation. Ultimately, the bull and bear will submit to the positive intention radiating through the fervent meditation of the Finance Guru.

      Dedication

      Four people above all others have had a profound impact on my life: my grandparents. They provided me with unconditional love, encouragement, protection – and great food. They sacrificed so much for my benefit and instilled in me the notion that all things are possible. There isn’t a day that passes when I don’t think of them. So it is with a heavy heart and deep gratitude that I dedicate this book to them.

      Cosimo Damiano Geltrude

      Anna Spadaro Geltrude

      John Verrico

      Filomena Basile Verrico

      At the moment when our paths cross again, only then will my grieving finally end.

      Young people need something stable to hang on to — a culture connection, a sense of their own past, a hope for their own future. Most of all, they need what grandparents can give them.

      – Jay Kesler

      "Nothing is free.

      You pay with currency, time or karma."

      – Daniel J. Geltrude

      Table of Contents

      Karma and Your Finances - The Basics

      Introduction: My Road to Karma

      Eat Less, Move More

      What Goes Around Comes Around

      Tax and Tax Again

      Raising Taxes Bad, Cutting Taxes Good

      Spend, Spend, Spend – Owe, Owe, Uh-Oh!

      Pension Obligations

      Soda Tax

      Plastic Bag Tax

      Higher Taxes

      For Whom the Road Tolls

      Flat Tax, Fair Tax?

      Don’t Mess With the IRS

      SALT, No Pepper

      $15 Minimum Wage

      Off With Their Heads!

      Cents and Centsibility

      Financial Anxiety

      Waste Food, Want A Lot

      Four Letter Word

      Credit Scores

      The Exploding Cost of College

      Is Grad School Worth It?

      Equal Work, Equal Pay

      When Emotions Lead, Checkbooks Bleed

      A Bad Investment

      Buy a Used Car

      Cryptocurrency

      Clean Up Your Finances

      Overcoming Financial Trouble in Retirement

      Death and Taxes

      Estate Planning

      When Politicians Strike

      Political Gerrymandering

      Race and College Admissions

      Personal Responsibility Creates Job Security

      Free College

      The Wall

      No News, Bad News

      When Consumers Fight Back

      NFL Flag Protest

      Your Opinion, My Dime

      The Boss

      Pay to Play

      Term Limits

      Vote!

      Karma and Your Finances: The Basics

      Introduction:

      My Road to Karma

      Aside from my years away at college, I have always resided in Nutley, New Jersey. More than anything else, I feel safe here. The majority of people in this community are Italian and Roman Catholic. Perhaps I only had to say Italian because being Catholic is a given for Italians. Although the town has become more ethnically diverse over the years, it still has a significant Italian-American presence.

      While I have always identified strongly with my Italian heritage, I have never felt comfortable in church. In fact, growing up I fought my parents tooth and nail about going to church or religious study. Even as an adult, I never warmed up to the idea.

      When my father died in 2006 after a year-long battle with melanoma, I searched for answers as to why it happened. I understand that cancer kills millions of people around the world each year. But why did it happen to him?

      I believe it’s quite common for people to turn to their religious faith for answers after losing a loved one. But I never had a strong faith in anything religion-based and I instinctively knew that church wasn’t where I would find my answers. I wanted to find something that made sense to me. So it had to be logic-based, not religion- or faith-based.

      Maybe it was just my father’s karma to die of cancer, I thought. That made some sense to me, even though I didn’t initially understand why. As I thought more about his death, these facts became clear:

      • My father spent a lot of time in the sun;

      • Sun exposure causes skin cancer;

      • The doctors didn’t catch it in time;

      • So, melanoma killed him.

      In other words, there was cause and effect related to his situation. I needed to understand this more, which ultimately led me to study Buddhism, where cause and effect is an integral part of the philosophy. I started by reading books. Then I sought out people with the most knowledge I could find to learn more.

      There is a saying attributed to the Buddha which states, "When a student is ready, the teacher will appear." I have had the great fortune of being in the presence of, and receiving teachings from, two of the greatest Buddhist teachers in the world: His Holiness the 14th Dalai Lama, and the venerable Thich Nhat Hanh. In addition, I learned much from such teachers as Khyongla Rato Rinpoche, Thubten Zopa Rinpoche, Nicholas Vreeland and Elliot Negron Black (aka Ekesvara Shiva Baba). Each of them

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