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THE PRESIDENT’S LETTER – 2014 Edition – Volume 5, Number 1, January 31, 2015

The year was 1989; it truly seems like yesterday. For certain, back then, it was a much different world in so many ways. Whatever your age today, subtract 25 from it and think back to how old you were at that time. Perhaps you can even find a picture of yourself from “back in the day.” Look into your eyes and try to remember this chapter in your life, how you felt, your thoughts, your dreams, your passions, your fears and insecurities, your innocence. It was at this time I faced a crossroad in my career and after much thought and counsel decided to move forward in a new direction. Pop had always taught me that “fortune favors the bold, not the reckless.” I had thought about this moment for many years. After all, without a dream, how can a dream come true? As so with a fire in my belly and passion in my heart I had crossed the imaginary line into entrepreneurship and never looked back, at least until now, as in 2014 we celebrated the 25th anniversary of C & C’s founding. While it was a special moment for celebration which made me very proud, it was even more so another opportunity to thank God for all my blessings. Our anniversary filled me with thoughts and feelings that I can only begin to comprehend. And so, as I have done for quite some time I wanted to take a time out and share this moment with you together with my travels over the last year. Keeping that in mind, with iPad in hand, I begin my Presidents Letter for 2014 hoping you and your family had a great holiday filled with joy, goodwill, love and blessings.

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Designed and created by Diane and Jim Everse of CarArtWorks in Louisville KY, a picture of our stainless steel sign commemorating our 25th anniversary as hung in our reception area.

Any way you look at it, 25 years is a long time. Today when I reflect back I can’t help but think “Where did the time go?” Along the way, the kids grew up, and oh boy did they! My hair turned a little gray, well maybe more than a little. But something else happened, the dream in my heart came true as slowly but surely over the years we assembled a group of dedicated professionals, a special team with a calling for service to help their fellow man. Whenever I’m having a tough day and adversity is staring me in the face, I thank God for all my blessings and suddenly the storm around me subsides and peace fills the air. In the last 25 years I’ve found that as complicated things could be at times, that first, you can always change your perspective, and second, if you really want to change your world, then change your words and stand back and watch in amazement. This one-two punch of staying positive is critical to anyone’s success yet costs absolutely nothing and is within the grasp of each of us.

From 1989 – (L – R) Nicole, Joe Jr., Jessica with Me in the back

From 1989 – (L – R) Nicole, Joe Jr., Jessica with Me in the back

Twenty-five years ago I do not recall having the patience, the compassion, the maturity or the wisdom to look at life the same way as I do today. Come to think of it, did any of us? Maybe that’s where all the gray hairs came from.  In the book he co-authored, “The 7 Seven Wonders That Will Change Your Life” noted psychiatrist Dr. Keith Ablow, states that “more than any one thing, you must be truthful with yourself; It is never too late to turn and face the real story of how you became who you are in this world in order to rid yourself of any emotional or behavioral patterns, especially unconscious ones, that are undermining your possibilities.” Having the courage look inside and in turn learn and grow is critical in reaching one’s full potential. In our case, slowly but surely, the stumbling blocks from 25 years ago became stepping stones. With a steadfast persistence and determination, combined with faith (believing without seeing) dreams can become reality without even realizing that anything had changed; sometimes you have to look back to see how far you’ve come rather than look too far ahead.

In a strange sense I can’t help but feel that Dr. Ablow’s words of wisdom parallel what Wilfred A. Peterson describes in his book, “The Art of Living”. Peterson writes that “happiness does not depend on what happens outside of you, but on what happens inside of you; it is measured by the spirit in which you meet the problems of life. Happiness is a state of mind.”  Peterson and Ablow aside, Lincoln once said: “We are happy as we make up our mind to be. Happiness doesn’t come from doing what we like to do, but from liking what we have to do. Happiness comes from putting our hearts in our work and doing it with joy and enthusiasm. Happiness grows out of harmonious relationships with others based on attitudes of good will, tolerance, understanding and love. The master secret of happiness is to meet the challenge of each new day with the serene faith that “all things work together for those that love God.” I think Lincoln could have co-authored our Mission Statement as well! Surely he “hit the nail on the head” and his insight helps to explain our resilience even in the most difficult times.

Being truthful with ourselves and happiness aside, the one “common denominator” in 25 years is undoubtedly “tax season”. Is it a “grind?” Sure it is, but it’s also brings out the best of any true professional. You must “rise to the occasion” not falling victim to mediocrity. You must be unselfish, care about others and have pride to do the best of your God given talents and abilities even when you’re not feeling your best and regardless of the weather conditions which affect everyone. You must be a messenger who many times gets shot, but who is often looked to as a voice of reason. Twenty-five years later I can tell you without any reservation what-so-ever that I if I had to do it all over again, I’d choose the same profession in a heartbeat. Still when April 16th arrives nobody here is happier to kick back and enjoy some good old-fashioned rest and relaxation. This year Sue and I got away to Myrtle Beach SC. The warmth of the sun combined with the beauty of the ocean are priceless. It was a great time; again I counted my blessings. Shortly after returning home, we came upon the one-year anniversary of Pop’s passing. While I miss him, there’s no question that his spirit and determination continues on within me.

While each passing year seems to go by faster and faster, this year we were challenged with an even heavier load learning about the ACA (Affordable Care Act), an internal change to a new practice management software package, continued uncertainty about major tax legislation (which eventually passed in late December), etc. Fortunately there are those days sprinkled here and there to catch an Oriole game – it was a great season which produced many fond memories for a lifetime. While our O’s fell short losing to the KC Royals in the AL Championship Series, they could nevertheless hold their heads high with all the adversity they not only faced, but for the most part, overcame. As Buck Showalter often says, “our efforts should never go into a slump”; it seems that applies to everyday life, to business as well as any sports team. Speaking of the O’s, Hall of Famer’s Cal Ripken’s commercial for PNC Bank really caught my attention this summer with a profound statement, “When you play together as a team, as one, work hard and respect one another, great things happen.” With those words, Cal joined Lincoln as another potential co-author of our Mission Statement.

AL Championship Series at Camden Yards(L-R) Joe Jr, Jess, Me, Sue

Before we knew it, the time had arrived in late August for Corvettes at Carlisle. This year we went up Wednesday afternoon (a day early) and it was so much more relaxed. Joe and Emily joined us on Friday night. As we always do, we had a great time with the parade through the streets of Carlisle as the highlight; it’s truly something special to see and even more special to drive in it. It’s not unusual for friends and even clients ask me about the new C7 Corvette Stingray and when I’m getting one. As much as I love cars, and especially Vettes, the best kind of car has been and always will be one that’s paid for! Again, I count my blessings.

From the driver’s seat of my Vette as the staging for the parade comes together

From the driver’s seat of my Vette as the staging for the parade comes together

Returning from Carlisle is typically challenging with the tax extension deadlines for businesses (9/15) followed closely by the individuals (10/15). When I think of it, this is actually the official end of tax season. Around this time, we all begin to focus on getting in our 40 hours for our CPE (Continuing Professional Education) before year end. Throw in the holidays, tax planning and administrative tasks and before you know it it’s time to do it all over again. As I have told the staff on numerous occasions, being busy is a great problem; when the phone stops ringing then you’re in trouble.

As we closed the book on 2013 tax returns October 15th, I was fortunate to be part of a very special reunion. As many of you know, Sue, Sharon Cody and I all worked together many years ago at the firm of Coyne & McClean Chartered (C & M). Founded on July 1, 1977 C & M had a great run until May 31, 1999 at which time it merged into the national firm of Clifton Gunderson. During its 22-years in business C & M grew to a high of approximately 50 professionals and administrative staff. On October 21, 2014 C & M had a reunion at Michael’s Restaurant here in Timonium with 37 attendees spanning 3 decades. Sharon did an outstanding job organizing the event. It was a wonderful night where we all came together to share stories of “back in the day” as well as catch up with where our life’s journeys had taken us. The success stories in the room were simply incredible yet everyone kept their humility along the way. Capped off by a special tribute to founding partner Bill Berndt, we were all reminded that those who paid the price before us and laid the groundwork for others to build on should never be forgotten. Enjoy the pictures posted on our Facebook https://www.facebook.com/media/set/?set=a.982655961759831.1073741841.126814634010639&type=1

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Just a few short weeks after the C & M reunion, it was time for another birthday – mine. Daughter Jessica always shows incredible enthusiasm when it comes to returning to places we went to when she was a child. So Jess, Nicole, Joe. Jr. and his wife Emily piled into the Tahoe with me and Sue and we were off to 1st stop Gettysburg PA, sight of the historic battle from The Civil War and, speaking of Lincoln, the legendary Gettysburg Address. I vividly remember the very first time I visited Gettysburg; it was 1963 and I was just 9 years old and I was with Pop. Thinking back, 1963 was only 100 years after the battle; it wasn’t that many years before that thousands of soldiers came there to fight brother against brother, neighbor against neighbor. The last time we were in Gettysburg with the kids, they were 11 years old; it remains etched in my mind forever. This trip was equally memorable. As we toured the battlefields and The Gettysburg Cyclorama it was so good, no, make that great, to be together. Back in the Tahoe we then headed to our 2nd stop, The Sweetest Place on Earth – Hershey and our traditional ride at Chocolate World and family picture at the end….priceless memories. Speaking of the kids, they are all doing well. Jessica continues to do a great job at Brown Advisory while in the fall Nicole finished up her 2-year fellowship at the Maryland Department of Natural Resources in Annapolis and was offered a full-time position; we were all so excited for her. Joe Jr. (in-charge of our IT) and his wife Emily (a RN at Upper Chesapeake Medical Center in Bel Air) are also doing great. It’s hard to believe it’s coming up on 5 years since they moved back from NC. We feel so blessed to have all the kids relatively close by.

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On top of Little Round Top in Gettysburg 2014 – (L – R) Emily, Joe, Jr., Nicole, Sue, Jessica and Me

From 1997 - Last time in Gettysburg (L – R) Jessica, Joe Jr., and Nicole

From 1997 – Last time in Gettysburg (L – R) Jessica, Joe Jr., and Nicole

Inside Chocolate World 2014 (L – R) Nicole, Joe, Jr., Emily, Jessica

Inside Chocolate World 2014 (L – R) Nicole, Joe, Jr., Emily, Jessica

One week after our Gettysburg and Hershey trips, Sue and I were back on the road to Somerset PA for the wedding of a former Penn State teammate’s son. Cold as could be, we were compelled to visit the Flight 93 Memorial (http://www.nps.gov/flni/index.htm) which was only 15 minutes away from where we were staying. It’s hard to put into words the feeling of standing there reading about all those who perished. While it was a sobering reminder of what evil can do, it also gave hope from the courageous effort by those who fought back so gallantly. When we returned home, I penned a blog – Mind, Body and Soul: https://carlozocompany.wordpress.com/2015/01/05/mind-body-soul-volume-4-number-2-december-26-2014/

 With Thanksgiving being so late this year, it was a blink of an eye and Christmas was here. Each year there is always something special to remember. It brings me and Sue so much happiness to see the kids being so excited about giving! This year they “blew me away” with 2 gifts which brought tears to my eyes. The first was a blanket with a wide array of Hershey pictures, some I don’t even remember seeing. The second was a signed picture of my childhood Oriole hero, Jim Gentile. Gentile was on fire in 1961 hitting back-to-back grand slams in a game against the Minnesota Twins. This was the year Roger Maris broke Babe Ruth’s single season home record. While Gentile was neck and neck for most of the year with Maris and Mickey Mantle of the Yankees, he finished with 46 homers and actually tied Maris in RBI with 141, although it took almost 50 years to get the proper credit. But the signed picture was only the beginning, underneath the picture engraved in a plague are the words from a song Pop wrote about “Diamond Jim” – I vividly remember singing the song with him like it was yesterday. It just doesn’t get any better. Again, I counted my blessings. Check out this link – great story:  http://www.thepostgame.com/blog/men-action/201305/mixing-it-mantle-and-maris-story-forgotten-star Here’s the “Diamond Jim” picture and plague from Christmas 2014:

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The Hershey Blanket of Pictures – Christmas 2014

Recognizing that nothing stays the same, 25 years after our founding, I concluded it was time to update our Mission Statement. While I was at it, we added a Vision Statement. At the heart of the change was a soul searching exercise looking for an answer to “Why we do what we do?” So much of our focus had been on “what we do” and “how we do it.” It was now so much clearer than before. At the beginning, like most new businesses, we were simply trying to survive. Now, with 25 years under our belt, it was time to add to the foundation. As excited as ever, with the fire burning strong in my belly and the passion to serve others intense, I am so proud of the team we have assembled, CPAs Tina, Carol and Sharon, accounting staff Joe Jr., Matt and Alicia and our administrative staff, Kelly, Lisa (June) and Sara. They embody the very essence of C & C as spelled out below:


CARLOZO & COMPANY is a CPA Firm of dedicated professionals who have taken their calling and come together to help their fellow man build personal net worth. WE live OUR mission by focusing on minimizing tax liabilities whenever possible and providing sound financial recommendations and management consulting advice. In all aspects of OUR business, CARLOZO & COMPANY’s mandate of excellent service is a rule shared by all of US.

        WE believe in OUR mission….WE are different…..WE ARE …CARLOZO & COMPANY.


CARLOZO & COMPANY is committed to partnering with OUR clients’ view of “the big picture” by supporting their understanding of financial and tax environments and the corresponding impacts on decision-making. WE are dedicated to helping OUR business clients’ management motivate their work forces to achieve full potential through an emphasis on effective policy, procedure and human relations. WE are more than “number crunchers”.

CARLOZO & COMPANY is built on a solid foundation of fundamentals. WE value discipline together with the genuine care and concern for the personal well-being of OUR clients and associates. WE believe in a team approach to problem solving, goal achievement, and effective communication.

CARLOZO & COMPANY seeks mutually beneficial relationships with OUR clients and associates. WE faithfully practice respect for the individual as a premise for all OUR policies and actions. WE are a bona fide people-oriented firm which encourages all members of OUR team to “reach beyond their grasp” and “be the best they can be” for the benefit of OUR clients, OUR firm, and each individuals’ personal and professional development.

TEAM picture just before Christmas 2014 (L – R) back row – Sara, Sharon, Alicia, Me and the plant, Matt, Carol; middle row – Tina - front row – Kelly, Lisa (June), Joe, Jr.

TEAM picture just before Christmas 2014
(L – R) back row – Sara, Sharon, Alicia, Me and the plant, Matt, Carol; middle row – Tina – front row – Kelly, Lisa (June), Joe, Jr.

The year will be 2039; if history is a window to the future, it will be a much different world. We need to add 25 years to our present age. Some of us will still be around, while others will have gone to be with The Lord. If our foundation is as strong as I believe it is, if we religiously stay committed to and live our Mission and Vision Statements, if we take good care of our clients not resting on our laurels, if we boldly move forward and dare to dream, if we continue to “play together as a team, as one, work hard and respect one another,” and if we truly value our independence, God willing we will celebrate our 50th anniversary and “great things will happen.” New professionals seeking a unique work environment will join our ranks dedicating themselves to our Mission and Vision. Twenty-five years ago it was difficult to imagine where we are today; as we celebrate our 25th anniversary I can much better envision a look ahead as our evolution continues to unfold…with God, anything is possible. My dreams have evolved as well; I want to walk through the front door of our office 25 years from now and shake hands with each and every member of our team and thank them for their service and dedication. Whatever the future may hold, one thing is for sure, is that we would not be here today, or tomorrow for that matter, if it wasn’t for you our clients. We are most thankful; it is our honor to be of service to you. Keeping that in mind, as we push full speed ahead into 2015, I wish you and your families a happy, healthy and prosperous New Year! I truly hope that we share many, many more years together in a mutually beneficial working relationship. May God bless you and your families. Have a great day!!!

Joseph V. Carlozo (Joe)

 That’s me a “little” older, a “little” grayer and a lot wiser in January 2012 from The Baltimore Shoot of “The Joe We Know” http://www.grandexperiment.org/baltimore-md/

That’s me a “little” older, a “little” grayer and a lot wiser in January 2012 from The Baltimore Shoot of “The Joe We Know”



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THE PRESIDENT’S LETTER – 2013 Edition – Volume 4, Number 1, January 20, 2014

It’s Sunday January 19th. In a half an hour, the New England Patriots will face the Denver Broncos in the AFC championship game, the winner heading off to Super Bowl XLVIII. Sue and KC (Kitty Cat) are sitting with me on the sofa as a Life-Time movie (I think they’re all pretty much the same) is on in the background. As a fire burns warmly in our pellet stove close by in the family room, the Vettes are tucked away quietly in hibernation as the chill in the air reminds me that we still have a while until Spring shows its face. With the holidays now behind us, as I have customarily done for several years now, I take a time out and attempt to put things into perspective and share with you my thoughts together with my travels over the last year. Frankly, I find writing therapeutic, much like after exercise, there’s a sense of peace and tranquility that always seems to follow. And so with iPad in hand, I begin my President’s Letter – 2013 Edition – hoping that you and your family had a great holiday filled with joy, goodwill, love and blessings.

As I approach each years President’s Letter, I initially do battle in my mind regarding what, if anything, I will write about, how I can make it better than last year, so on and so forth. Eventually, I realize that all I have to do is first relax, and second to sit in front of a key board, and then, almost magically, my thoughts find their way into sentences, which then make up paragraphs, until finally the letter comes to life. In doing so, I have so much fun intertwining the themes and bringing everything together for others to enjoy; it’s almost like figuring out a puzzle. Upon reflection, all of us have a bond which we may never even think about. Regardless, of our age, gender, race, sex, religion, political affiliation, nationality, etc., we are all traveling through life at an incredibly fast pace trying to make sense of the complicated world in which we all live. As much as technology has helped us progress, in certain aspects it seems at times that the text message or email wins out over the phone call, the hand written note, or sadly, even getting together face-to-face. As a society, are we all taking the easy way out when it comes to human interaction? All too often, it appears that we continue to go in a direction which has no return. In the final analysis, it’s a choice we all make. Let’s choose to walk the extra mile, make the phone call and write the hand written note. While we’re at it, we can also choose to treat others the way we would like to be treated, to always be our best, to show up in person for support of others whenever we can, and, to try to make a difference in the world, even if it’s a small one, whenever possible. Let’s not forget to choose to forgive, rather than get entangled wasting energy simply trying to prove a point winning the battle, while losing the war. Last but not least, let’s choose to win with honor, to dare to be different, to teach others what we have been so blessed to learn and most importantly, to believe that with God anything is possible.

So what about 2013? While January started out quietly, I put the finishing touches on the 2012 Edition https://carlozocompany.wordpress.com/2013/01/25/the-presidents-letter-2012-edition-volume-3-number-1-january-25-2013/ of my annual President’s Letter. It was coincidently the first year my President’s Letter went out electronically via email as well as being posted to my blog. Doing so enabled us to include “links” which when viewed on a computer or tablet, greatly facilitated electronic transfer to points of reference. And while this helped expedite the process, gone was the opportunity to write a personalized hand written note. Maybe I should be asking, “What do you prefer?” Last years President’s Letter had also been scaled back significantly as a result of writing throughout the year in my blog, “Carlozo’s Corner” http://www.carlozocompany.wordpress.com. Since its inaugural post October 11, 2011, through December 31, 2013, we’ve had 8,789 views, with 5,625 of them being in 2013 alone! It’s been great to share parables, “think outside the box” and utilize the power of social media to communicate to others my thoughts, principles and lessons of life. Together with Carlozo’s Corner, I frequently post inspirational themes and business points of interest on Twitter https://twitter.com/joethecpa and on LinkedIn http://www.linkedin.com/pub/joseph-v-carlozo/28/71/4b6 while with Kelly and Joe Jr’s help, our Facebook https://www.facebook.com/carlozocpa presence has been significantly enhanced. When I look back and assess where we have come from in this arena, it brings a smile (actually a big smile) to my face. All these uses of social media started with simple thoughts which were transformed into the applications themselves. In many ways, it reminds me of the founding and growth of C & C.

Filmed in just 11 days in January 2012, The Joe We Know (TJWK) – Documentary Movie http://www.grandexperiment.org came to life from interviews of 70 former Penn State football players spanning 6 decades. This 57 minute film captures the essence of Coach Joe Paterno and his impact on the lives of these men who played for him. Filming took place (while Coach Paterno was still alive – he died 3 days after filming was wrapped up having never seen the tribute to him by his former players) in 5 cities on the East Coast; State College, Pittsburgh, Baltimore, Philadelphia and New York. I was the site host of The Baltimore shoot in addition to being an Associate Producer. It was a moving experience to say the least. Without the series of events leading up to Coach Paterno’s firing, it’s highly unlikely that the players in the film would have ever met one another. In making the film, they came together to stand up, and perhaps more importantly, stand together. On January 26, 2013, together with the Penn State Alumni, Baltimore Chapter led by Debby Rippey (the quintessential self-starter and leader), we brought TJWK to the greater Baltimore vicinity and a packed house in excess of 500 at the Beth El Congregation in Pikesville MD. Included in attendance were 28 former Penn State Football Players which included some more notable, that being Franco Harris, Lenny Moore (my childhood hero who I finally had the chance to meet), Steve Smear and Lydell Mitchell. It was a great night for all involved. Afterwards, to commemorate the one-year anniversary of his death, I would write the blog “Dear Coach Paterno” https://carlozocompany.wordpress.com/2013/01/29/dear-coach-paterno-volume-3-number-2-january-27-2013/. The response was absolutely incredible, with the high mark of 2,179 views in just one day….if nothing else, it taught me when you have conviction, follow it. I would in turn send a copy of the letter to Sue Paterno, Joe’s widow, who graciously acknowledged the receipt thereof in a heartfelt handwritten note, another keepsake to pass down to future generations.

No matter how you look at it, Tax Season takes its toll. This past year was no exception. Deadlines, technical issues, weather challenges, sickness, and increased volume all make for hectic days and then weeks that go by so very quickly. I missed seeing Pop on a regular basis. In reviewing my notes I keep on my iPad, “Pop calls me with words of encouragement on 4/14/13 – he puts wind back in my sails – 2 more days and I’ll visit him”. The week following the end of Tax Season Sue and I headed off to Ocean City for a wonderful getaway to wind-down, take a deep breath, relax and put the last 3 months in perspective. Upon returning home, Pop just did not seem the same. Despite his condition, he always had a sparkle that without him even realizing it, put a spring in my step. This time was different. It had now been 5 years since he suffered the stroke which left him paralyzed on his right side. Where did the time go? He was tired and I didn’t want to acknowledge that it was getting close to his time to go be with The Lord. I wished I could take away his pain, his suffering. I wished I could put a smile on his face. There is no course in school, nor any training that prepares you for this time in your life. I knew it was time to let go. Sadly on the morning of May 20, we lost him. The emotions ripped through me like a bolt of lightning. Although I had been unofficially serving as head of our family for quite some time and I knew this day was coming, I was suddenly thrust into a time in my life that I had never given serious thought about. Everything was surreal. With the help of Sue, and her boss Charlie Evans, we planned a dignified service for family and friends at Evans Funeral Chapel in Forest Hill MD http://evansfuneralchapel.com/fh/home/home.cfm?&fh_id=10838.
I would go on to write an obituary, as well as deliver Pop’s eulogy. In doing so, while tears filled my eyes, I came to understand that it was was an important part of the grieving process. In thanking everyone I wrote:

Sometimes in life when there is so much to say, it is best said in a few short words. The outpouring of love and support by so many at such a difficult time as we grieved the loss of Pop, makes simply saying “thank you” insufficient. Whether you personally paid your respects, attended the service, traveled long and far or came from close by, dedicated a Mass, sent a lovely card or email, called to talk, sat quietly in the chapel, sent flowers or a gift which brightened our day, donated to a charity, we felt your presence and it gave us strength. Perhaps you spoke the kindest words, as any friend could say or you were not there at all and just thought of us that day. Whatever you did to console our hearts, meant more to us than you could ever know and we thank you so much, whatever the part; we are eternally grateful. ~~ The Family of Joseph R. Carlozo.

In my attempt to share with others, I would post the blog “REMEMBERING POP” https://carlozocompany.wordpress.com/2013/06/11/remembering-pop-volume-3-number-3-june-10-2013/ which brought together Pop’s obit I had written as well his eulogy I delivered. It says it all. I think of him everyday. He is and will always be with me. It was hard to let go, very hard. For Christmas, Sue gave me a money clip with his thumb print engraved on the surface; I was speechless – her gift was priceless.

Summertime couldn’t come fast enough. In keeping our annual tradition, Sue and I returned to Corvettes at Carlisle. It was, as usual, simply wonderful to see old friends, as well as meet new ones. Once again we both participated in the Downtown Carlisle Corvette Parade, a picture of which at is on C & C’s Facebook page. As always, we had a great time, and this year we got to see the new C7 (the 7th generation Corvette) live and in person. All I can say is, if you ever dreamed of owning a Corvette, you definitely want to check this one out! While not yet officially released at the time of Corvettes of Carlisle (last weekend of August) GM must have brought at least 15 examples for everyone to drool over. There were coupes, convertibles, red Vettes, blue ones, yellow, white, green, you name it, GM was not shy to show everyone what they had worked so hard on to bring to market. It was a great day not only for Corvette enthusiasts, but all “car nuts” so to speak.

As we turned the corner in September, it was time for the 40th reunion of my football team at Penn State. Sue and I would go up a day early and walk the campus, stopping at the creamery famous for its ice cream. The day was georgous. The campus more beautiful than I ever remember. We didn’t realize what we had “back in-the-day”. Jess and Nicole, along with Joe Jr. and his wife Emily joined us the next day for pre-game activities under the tailgate tent and then the game itself. That weekend 51 former Penn State football players (from 3 graduating classes) came together in celebration. Many of us had not seen each other in 40 years. It was like no time had passed. Recalling games, plays, crazy antics and knocking heads on the field of friendly strife with laughter and an occasional tear or two. The camaraderie that was born going back to 1970 while we were all young kids trying to become men had never left us. Amazingly, the axes to grind and disappointments that once existed were no longer important….we were all teammates. It was a special time, a special moment – it was good, no make that great!

At half-time the 1973 team, the very first team in college football history to go 12-0, was honored. And then, one of our own, John Cappelletti, winner of the 1973 Heisman Trophy, was bestowed the honor of having his number 22 retired, making it the first time in Penn State history where a player’s number was retired. As Penn State’s only Heisman winner, Cap’s honor was befitting. We were all so proud and gathered in celebration at a special ceremony later that evening at The Nittany Lion Inn. http://www.collegian.psu.edu/football/article_8b66c320-18eb-11e3-8299-0019bb30f31a.html

1973 Undefeated Team

Moving on from Penn State, in late October Sue would join me as we attended a 2-day MAP (Management of an Accounting Practice) seminar in Ft. Lauderdale FL. When the seminar wrapped, we headed west onto Interstate 75 – “Alligator Alley” to attend a 2-day McDonald’s Regional Operator Conference in Naples FL. Now I know why everyone loves Naples so much. If you have not been there, you must go. It is simply beautiful beyond description.

Shortly before Thanksgiving, I received an email from my younger (11 years) brother Lou who lives in Chicago; he asked for my help. As the oldest of 3 sons, one of the things I promised Pop before he passed was that I would look after my younger brothers. Even though they were both grown men, he always worried about them… always. Lou wanted to meet with me. Without hesitation, I told him to “come on down”. It was a great weekend that we would spend together. I would take him back to the house we lived in when he was born, and the one after that where we lived when our brother Tony was born as well. I would share with him things that he did not know about when he was a young kid. Lou was only 15 days old when President Kennedy was assassinated. We could no longer ask Mamooch and Pop, and as such, much of our family’s history rested with me to pass on. Lou allowed me to “coach” him and in doing so, something magical happened. We not only got to know one another all over again, but we both grew in the process. After we said good-bye that weekend, I would pen another blog THINKING FOR SUCCESS https://carlozocompany.wordpress.com/2013/12/09/thinking-for-success-volume-3-number-4-december-9-2013/ which, with his blessing, included an article that Lou wrote http://www.moneyunder30.com/my-thanksgiving-dish-to-you-give-thanks-for-everything-even-the-tough-stuff.

Please know the kids are all doing great! Jess continues working at Brown Advisory (a spinoff of Alex Brown & Sons) in Downtown Baltimore, while Nicole is a little more than half-way through a 2-year fellowship with the DNR in Annapolis. Joe Jr., who believe it or not, will be with C & C 4 years this coming May continues to learn and grow while his wife Emily made a successful move to the IMC/ICU at Upper Chesapeake Medical Center in Bel Air after spending 3 years at Sinai Hospital in Baltimore. While Christmas is always special, this year for some reason, it seemed even more so as we crowded into our living room watching John Candy , a household favorite, in “Uncle Buck”. As much as we tried that night to find “Buck Russell’s Bowling Ball” on the internet, it seems to be a mystery. Any clues? Two days after Christmas, Sue, Jess, Nicole, Joe Jr. and I would make the trip up to State College PA to a sold-out house at The State Theatre to see the World Premier of 365 Days – The Film. http://www.365daysthefilm.com Whether you’re a Penn State fan or not, this movie hits home as what happened at Penn State could happen anywhere. Please see our Facebook page for pictures from both the World (12/27/13) and Baltimore (1/02/14) Premieres of 365 Days – A Year in Happy Valley.

Before closing, I can’t help but reflect back to 25 years ago when 2 guys who I didn’t know knocked at the front door of my home; they were starting a “Quick Lube” business and were referred to me by a gentleman by the name of Elmer Wingate, a former Baltimore Colt and University of MD football standout. It was November 1988 and we met at my dining room table. Keep in mind, although I was at a crossroad in my career, I was not officially in business, but for that moment in time, without even realizing it, the humble beginnings of what would eventually be known as Carlozo & Company, were being formed. There were no clients, no letterhead, no business cards, just a thought in my mind and a dream in my heart. A week or so later, I would have lunch with a dear family friend, Fred Kern, another University of MD football standout, asking him for some career guidance. What was obvious to Fred, was anything but obvious to me when he blurted out, “Joey, why don’t you just go out on your own?” – It was quite frankly like someone had hit me in the head. While Pop had on numerous occasions encouraged me for years to do this, more than anything Fred’s words stayed with me (sometimes we need to hear guidance from someone other than a parent) and in December 1988 what was unofficial, became official – I had hung up my shingle; I had become an entrepreneur. Jess, Nicole and Joe Jr. had just turned 2 years old in August. One of the very first things I did, before we even had any employees, was to write a Mission Statement. It’s purpose quite simply was to serve as a focus for the actions of the group of professionals I sought to assemble. It still, 25 years later remains intact, as relevant as ever and maybe even more so. From December 1988 through May 1989, I had operated the practice as a Sole Proprietor from the basement of my home; again very humble beginnings. On June 2, 1989 we incorporated and Carlozo & Company, P.A. came into existence. The following year we would move to the 3rd floor of the Kelly Building in Timonium sharing space with another CPA. Today we are totally autonomous occupying over 3,000 square feet in the same Kelly Building, but now in Suite 200. When I reflect back to 1989, Ronald Reagan was just finishing up his second term as President, George H. W. Bush (41) following closely in his footsteps. There was no professional football in Baltimore; that’s right no Ravens and in fact the Baltimore Colts had been gone for 5 years. In 1989 there was no Camden Yards; the Orioles still played at Memorial Stadium which was demolished in 2001. The World Trade Center stood tall and proud in New York, and believe it or not, Barack OBama was just 27 years old having recently entered Harvard Law School. It was a different world back then in so many aspects. The automotive world lived and died by what was The Big 3 – today GM, Ford and Chrysler are referred to as The Detroit 3. While the world has clearly changed, so has the accounting profession and along with it, so have we keeping pace with new laws, procedures, technology and systems while remaining true to our founding principles and good, sound fundamentals for success.

No one man or woman builds a business on their own. While the founder may have the vision, spirit and determination, and of course the money to make things possible, chances are good they had help along the way. C & C is no exception. While the nucleus of our firm remains strong and intact, a broad spectrum of employees, professional advisors, mentors, sub contractors and vendors, some of which who have come and gone along the way, helped make important contributions. To all, present and past, I remain most appreciative. The same can be said for clients. We have been and are truly blessed by a solid core of loyal clients who we are honored to provide professional services. Again, I remain truly appreciative. But frankly, the Unsung Hero behind the scenes is my wife Sue. Pop always referred to her as “the glue that holds us all together”. He was spot on. A great Stepmom to my kids (to this day they still call her “Miss Sue”), a caring Daughter-in-law to my parents when they were alive, a wonderful homemaker, a full-time professional (and a darn good one at that) who has her own career, she is one tough cookie! When I was down, and that happens to the best of us, she encouraged me. When self-doubt started to creep in, she would have no part of it. When it seemed like we couldn’t go on, challenged by repeated adversity “chopping our legs out from under us”, she helped me to get back up and in doing so taught me to walk by faith, and not by sight. It’s funny when I think of it now, we not only survived, we thrived. When I needed a friend to talk to who could look right through any rationalization on my part, she was there. That’s my girl; because of her, I came to grow as a man, a father, a husband, a son, a brother, a friend and a business owner. As I have said many times before, I am the luckiest guy in the world. I am so thankful to God for all my blessings.

While looking back to one’s roots is important in gaining perspective, as I look ahead I do so with the same spirit and determination and fire that I had in my belly back in 1989. As I write you, quietly behind the scenes, we are totally revamping our internal software systems so that we can service you, our clients, on a more timely and comprehensive basis. Our staff is working hard, very hard. My pledge to you is that we will not rest on our laurels. Quite simply, I will not accept mediocrity from any member of our team; that’s just not the way we do things here. In light of the ATRA (American Taxpayer Relief Act of 2012) we must be proactive as the new law passed by Congress and signed into law by President Obama amounted to the largest single tax increase since 1941. While our challenges run a broad spectrum, in the final analysis, it is my job to lead us to the next generation. I enthusiastically accept that role with open arms, a smile on my face and the intestinal fortitude of a Roman Gladiator!

Well, Denver’s General Manager John Elway’s bet on Peyton Manning paid off big time as The Broncos handed the Patriots a bitter defeat. While Elway was 38 when he won his first Super Bowl, Manning will be 37 for Super XLVIII – maybe there’s something to be said for age, wisdom and maturity. In the meantime, the 49ers late game heroics attempting to get back to the Super Bowl again this year fell short, but boy was it close. While clearly disappointed, the 49ers, and their fans, can hold their heads high – they gave it their best! Oblivious to all, KC is asleep on the a chair; Sue and I are not far behind. Turns out I was wrong; I actually thought I didn’t have much to write about this year. It looks like I need to go back and review my blog THINKING FOR SUCCESS. If someone had told me back in 1989 that we’d be where we are today, I would have looked at them in disbelief; perhaps Law Student Obama may have said the same thing if someone had told him that he’d not only be President of The United States in 25 years, but that he’s be into his 2nd term as well. Yes, as proven time and time again, with God anything is possible. I witnessed Him as He worked through family, friends and people I didn’t even know in helping me build C & C from a thought in my mind, to where we are today; I am humbled and so very grateful for all our blessings. While we will continue to build on our social media presence, we will choose to stay focused on our founding principles and fundamentals that got us to where we are today. And while Pop is now with The Lord, his influence on me remains as strong as ever like a beacon of light for a ship out at sea. Keeping that in mind, thank you again for your loyalty, trust and confidence in us as your CPAs. Without you, there is no C & C. In closing, please know that as you travel through life, even as its pace intensifies and the world seems more comlex than ever, you are not alone; we are all together. Choose all the very best that life has in store. Also know I wish you and your families, good times, good news and goodwill for the New Year!!! I truly hope that we share many, many more years together in a mutually beneficial working relationship. May God bless you and your families. Have a great day!!!!

Joseph V. Carlozo (Joe)

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REMEMBERING POP, Volume 3, Number 3, June 10, 2013

The Golden Ram
Sadly, on May 20, 2013 I lost my Father, Joseph R. Carlozo, following a 5-year long battle from complications of a dehabilitating stroke; he was 85 years old. Pop was best known as the former Calvert Hall College, H.S. Varsity Head Football Coach. He was born in South Philadelphia, PA on March 10, 1928 to my Grandparents, Italian immigrants Joseph Thomas Carlozo, a painter and Concetta Carlozo (née DeVicaris), a homemaker.

A 1946 graduate of Philadelphia’s Southern High School and a member of their Football Hall of Fame, as well as The Pennsylvania Sports Hall of Fame, Philadelphia Chapter, Pop played in the historic 1944 & 1945 Philadelphia Football Championship games at Franklin Field against West Catholic High School of Philadelphia (Calvert Hall’s sister school) the latter of which was attended by over 54,000 strong; This game is often referred to as “The Bobby Sox Bowl” and is still talked about to this day. With Southern trailing West Catholic 13-0 with only 7:40 remaining in the fourth quarter, Pop was instrumental with several key plays allowing Southern to go onto win on the last play of the game. He was also on Southern’s track team having competed in the Penn Relays. From Southern High, he attended West Chester State Teachers College (now West Chester University) playing for Head Football Coach Glenn Killinger, a Penn State All-American. As a freshman he would lead the nation in scoring, a record held until 1973 when it was broken by Tony Dorsett of University of Pittsburgh. A “Little All-American” while at West Chester, Pop is also a member of their Football Hall of Fame. He was referred to as “The Golden Ram” while West Chester was still simply nicknamed “The Rams”. After graduating from West Chester in just 3 over years he was drafted in the 7th round by the New York Giants, but declined the offer deciding instead to enter the teaching and coaching (football and basketball) profession and to marry his high school sweetheart Genevieve Pologruto, also of South Philadelphia PA. At a relatively young age of 25, Pop would get the football head coaching job at Palmyra High School in Palmyra NJ, leading his team to a championship in just his second season.

In 1958 looking for better opportunities, our family moved to Baltimore with Pop initially working at the then newly constructed Towsontown Jr. High School and later Calvert Hall in 1961 where he would teach and coach until 1973. During his tenure as Head Varsity Football Coach (1967 – 1973) he recorded 43 wins, 22 losses and 2 ties for a .662 winning percentage. His 1969 team was voted No. 1 in the State of Maryland and his 1972 team won the MSA “A Conference” title. Pop’s most historic win as head coach was against rival Loyola High School on the 50th Anniversary of the Calvert Hall – Loyola game Thanksgiving morning in 1969 at Baltimore’s Memorial Stadium. With the game tied 14-14 and 4 seconds remaining on the clock, Coach Carlozo summoned 2nd team place kicker Phil Marsiglia who had never previously kicked a field goal in game competition. The task itself was daunting enough, but the distance, 42 yards, was not, at that time, even common at the professional level. Marsiglia not only made the field goal, but remarkably it could have been good for another 10 yards! In a letter to his former coach dated April 12, 2012 Marsiglia would say, “There are times in a young person’s life when the confidence of a trusted adult can have a profound and long-lasting effects. The opportunity you gave me in that football game over 40 years ago instilled in me the confidence to be self-assured and successful in life. Thank you for having faith in me and more importantly, for teaching me to have faith in myself.”

In addition to teaching and coaching, Pop was also an entrepreneur in several business ventures which included Bon-Air and R-E-S (Recreation-Education-Sports) Day Camps, Scholastic Tutoring Service and Captain Joe’s Steamed Crabs. He was also instrumental in founding the Calvert Hall Quarterback Club.

After leaving Calvert Hall in 1973, Pop returned to the Southern New Jersey/Philadelphia vicinity where until his retirement he was active in sales coaching. In 2007, he and my Mom Genevieve relocated to Forest Hill, MD to be closer to family. Five months later, my Mom passed away. They had been married 57 years and had 3 sons and 8 grandchildren.

Pop’s influence on my life was profound. Here is his eulogy which I delivered on May 28, 2013 at Evans Funeral Chapel in Forest Hill, MD:

Good Evening and welcome. Thank you all so much for coming here tonight to join our family in honoring the life of my father, Joseph Richard Carlozo.

So what is it that I can say to add to everything that has already been said so far. You all know about the football player, the coach, the teacher. The stories are legendary and will continue on for as long as we all shall live…but what about the father, the man I first called Daddy, then Dad, and for 30 or so years, simply Pop. During the last 5 years of his life when he was bedridden in a nursing home, we spent a lot of time together, had numerous talks, shared laughter, tears and at times disagreements. We talked about God, and events in our lives never previously discussed. We got to know one another all over again, with a father understanding a son, and a son understanding a father like never before. As hard as the last 5 years was for both of us, especially him, it remains priceless in my life’s book of memories and I think I can say it did for Pop as well. As I stand before you tonight, I can tell you without any reservation whatsoever, I am proud to have him as my father, and I am proud to be his son and that I will miss him dearly.

He was tough on me growing up, very tough, but he was tough because he always wanted something better for me and, he knew how difficult life could be at times when you had to “lay down and bleed for a while before you could rise and fight again”. But most Importantly, he felt in his heart that I was capable of more. For all you coaches out there, you can understand that the desire to help a young man or woman reach their full potential doesn’t simply end on the field of friendly strife, the basketball court, the baseball diamond, the lacrosse or soccer field or even in a swimming pool, it follows one around day-in, day-out, into the classroom, and quite simply in all our endeavors in life. For all you parents, I’m sure you can relate as well. In my case, it actually followed me home every night. Life as a coach’s son was 24/7 whether I was playing for him or not.

When I was wrong, he told me point blank, no washy washy sugar coated niceties. But if I needed help or support, he was always there to ferociously defend me. You just knew he had your back. He wasn’t trying to win any popularity contest or felt obligated. It was just part of his DNA and natural instincts.

As tough as he was and could be, he had a compassionate side not only for me his son, but from what I could see all his players and his fellow man. In reflecting back, I vividly remember the time before starting my first varsity football game at Calvert Hall as a sophomore. I found a letter I wrote to my grandparents back then and I was 14 years old, 5’10 190 lbs. and while physically capable I was scared to death lacking self-confidence. This was September 1967 before Pop was named Varsity Head Football Coach; he was the freshman football coach at Calvert Hall at that time – again he instinctively knew I was upset, and at home early Saturday morning before the game, he said, Joey, come on, walk with me. And so outside we went into our neighborhood in Timonium and we walked around the block and we talked. He put his arm around me telling me that everything was going to be OK – and remarkably it was. His calmness in the storm gave me strength and was a big part of the foundation I would begin building as a football player, and onto becoming a man.

Not that he didn’t see faults and/or weaknesses in others, he just simply refused to say and/or accept negative things – he always felt that behaviors did not necessarily define a person and that they could be corrected through focusing on self-improvement. He believed in others more than they believed in themselves, and perhaps more importantly, when they did not believe in themselves. When he had money, he’d give it away. His home was your home, his car was your car. He was generous to a fault. This behavior didn’t start as an adult, it actually goes back to one of his earliest childhood memories, and you have to remember that he grew up in the Great Depression. And so the story goes Pop was about 8 years old. His mother had just bought him a new coat, and so he wanders outside to play one day when he comes across another young boy who is cold without a coat, and so Pop takes his new coat off and gives it to this young boy to keep him warm – the young boy then ran off thanking him. As he returns home, my Grandmother asks Pop where his new coat is and she gets no answer until he finally spills. Grandmom shakes her head, smiles and assures him she is not mad. That incident, as it turns out, set the tone of many things to come in Pop’s life.

He lived life to the fullest in “high definition” before we had ever heard the term. He loved everybody. When he’d mention friends and fellow coaches, it just wasn’t just Fred Kern, Tom Bateman, Augie Miceli, Dave Shannon and Mike Gallagher, It was FRED KERN, TOM BATEMAN, AUGIE MICELI, DAVE SHANNON AND MIKE GALLAGHER as if they were Roman Gladiators descended from the heavens above. It was the same for his players. I think it’s fair to say that he got the most out of his players, regardless of their ability. You know it didn’t really matter if he was coaching a freshman, JV or varsity game, or whether it was football or basketball, every game was like the Super Bowl to him. He especially loved the underdog, David & Donald Fitzmaurice know that as well as does Pat Stringer. He loved to take an athlete who was not playing football and develop that athlete into a football player – Gordy Bengle, Mark Amatucci and Doug Radebaugh are all examples of this. While I was blessed to play on many great teams with many great coaches, no one could motivate a team and its players like him – he was, quite simply, in a league of his own. He could laugh at himself along with everyone else and have a great time doing so – just ask Coach Fred Kern to recall the night we went to his house to have dinner when I was about 10 years old. Although we lived in adjacent neighborhoods about 3 miles apart, Pop got lost and decided to take a shortcut only to get stuck in the mud in a field about 100 yards from Fred’s house. Fred was in disbelief – we all laughed so hard and still had a great time being together, but upon leaving Pop made a wrong turn the other way only to get stuck in the mud, for the 2nd time on the same night, this time in a different place. When we called the tow truck driver for a 2nd time that night, he thought it was a joke. He didn’t realize that this was classic, quintessential Pop. Nobody laughed harder than Pop himself.

Pop did not see color in his fellow man – he simply saw his fellow man. His first teaching job after graduating from West Chester State Teachers College in 1950 was at Shoemaker Jr. High, a predominately black school located in a tough part of West Philadelphia. It was there at Shoemaker that he would first coach basketball with many of the 9th graders on his team eventually going onto the NBA. Little did I realize but that experience prepared him for his job in 1958 when we moved to Baltimore at the newly constructed Towsontown Jr. High School at the corner of Fairmount Ave & York Roads which was planned in part of the integration of Carver High School, an all-black school in East Towson. Maybe its ironic, but sadly, I just read that Towsontown, now called Carver Center for Arts & Technology, is scheduled to be torn down at the close of this school year; we had many fond memories at Towsontown.

Still Pop’s days at Calvert Hall were by far and away his happiest. It was during this time that my younger brothers Louis and Tony were born and every weekend one of the Christian Brothers would be over our house enjoying Mom’s Italian cooking along with a glass of red wine and provolone cheese. Pop loved provolone cheese so much one day he came home with a 90 lb. piece of provolone that was almost 6 feet high! My Mom was speechless. For the next year, everyone who visited us left with at least a 1 lb. piece of provolone. Talk about a small world, but at Calvert Hall, Pop would meet Brother Kevin Stanton who had seen him play West Catholic (another Christian Brothers school) in the City of Philadelphia’s championship game some 17 years earlier – as a kid and still to this day I find it incomprehendable that a high school game could have 54,000 people in attendance. Football aside, Brother Andrew, Brother Gregory, Brother D. John, Brother D. James, Big Brother Paul, Brother Regis, Brother Kevin and Brother G. Paul were like an extended family not only for Pop, but all of us in the Carlozo Household. I strongly believe much of the Christian Brothers’ philosophy and Pop’s were one in the same. And there at Calvert Hall he would meet Fred Kern, Tom Bateman, Augie Miceli, Frank Clary, Spence King, George Kropp, Dave Shannon, Jack Murtaugh, Lou Heidrick, Mark Trotta, Frank Bramble, Jay Robinson, Bob Kroppfelder, Lou Civitrese, Mike Gallagher, Denny Cox, Dick Edell, Ken Steiner, and last but not least, Leonard Monfredo, all good men, very good men. He thought the world of each of you.

So what would he say now if he could talk to us? First he would not want us to be sad. He believed in reincarnation and someday, somewhere in spirit he’d be back for another crack at it. He would tell us that ‘life is a gift”, and thats why they call it “the present”. He would want us all to have a glass of chianti and provolone cheese. He would tell you, if you cant go first class, then stay home. He would remind us that fortune favors the bold, not the reckless and that whatever we cast out in life, whether it be good or bad, has a strange way of returning to us. He would tell us that the law of learning is quite simply repetition and remind us that’s how we learned our ABC’s and multiplication tables. He would say don’t wait for your ship to come in – go swim out to meet it. He would tell us that he did not treat all his players the same and upon reflection perhaps this is why he was able to motivate his players the way he did – some he was real tough on like me – some he was protective – some needed challenges, others encouragement – much like a parent he saw things in his players and people in general they did not see in themselves. And for the members of the 1969 Calvert Hall football team he would want you to know that he actually penned the letter from Brother Andrew’s hospital death bed to “win one for the gipper” so to speak before the Thanksgiving Day match-up with Loyola.

He would want you to sing, he loved singing and even believe it or not he even wrote a few songs back in the day the most memorable about former Orioles First Baseman Diamond Jim Gentile. The year was 1961 and Gentile was on fire hitting back-to-back Grand Slams in one game against Minnesota. And so Pop writes a song about Diamond Jim –“Oh Diamond Jim Gentile can knock a ball out-of-sight, when his big bat explodes like dynamite. Look here comes Diamond Jim Gentile, now strike up the band, he’s the newly crowned King of Maryland. Oh do you know, why bird fans go, for Diamond Jim Gentile? Thankfully, thats all I remember. Pop would tell us to always be ourselves and to dare to dream. And that in life you choose whether to win or lose – so choose to win. Always the coach and the teacher until the very end of his life, even to me, he would tell us that your success is based not on your ability but rather on your commitment, determination, perseverance, intestinal fortitude, will to win and the relentless effort to never stop learning. He would remind us once again that enthusiasm finds its origins from the Greek words en (within) and theos (which relates to God) and that whatever we do in life we should do with our heart, full of enthusiasm and that success would follow us everywhere.

And lastly he would want us to be at peace with one another, family, friends, spouses, siblings, loved ones, alumni as well as professional and business colleagues. He would then quote from the Lords Prayer….”and forgive us our trespasses“…then he would stop, and pause, and look us straight in the eye and conclude…”as we forgive those who trespass against us.”

There will never be another one quite like him – I thank God for giving me him as a father, a friend and a coach – I love you Pop – you will always be my hero – I will miss you dearly. May God Bless you all.

As the service concluded, we played the song “Thank You For Being A Friend” by Andrew Gold. Although I was familiar with the song and its tune, I had never really taken the time to read the lyrics…when I did, it literally took my breath away http://www.elyrics.net/read/a/andrew-gold-lyrics/thank-you-for-being-a-friend-lyrics.html. The cards, the thoughts, the flowers, the prayers not to mention having so many come and gather and celebrate Pop’s life helped tremendously in the grieving process. I can’t thank everyone enough. Still, my brothers, my children, my nieces and nephew, along with so many former players and students in some way, shape or form carry on his legacy…..Pop will always be with us.

Have a GREAT day!!! May God Bless You!!!!

Joseph V. Carlozo (Joe)

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DEAR COACH PATERNO, Volume 3, Number 2, January 27, 2013

Coach Joe Paterno

409 Pearly Gates Way

Heaven Up Above

Dear Coach Paterno,

You’ve been on my mind a lot recently. It’s hard to believe that it has been a little over a year since we lost you. I know I speak for so many of your former players when I tell you that we truly miss you. You left us way too soon. We wanted to come visit and talk with you. We wanted to reminisce and hear you yell at us one more time to “do it again”. We wanted to thank you for all you did for all of us and for encouraging us to come to Penn State – it wasn’t just a good place to attend college – it was a great place!!! We wanted you to enjoy the time with your family that you so much deserved after coaching for 61 years. We wanted to see you and Sue take a cruise, be on the back seat of a convertible in a parade waving to the crowd, and just simply serving (and rightfully so) as the honorary mayor of State College and Penn State itself without having to think about next week’s game and/or next year’s recruits.

You taught us so much during our time in Happy Valley. As much as we learned during our playing days on the field of friendly strife, it wasn’t until after we took our pads off for the last time we truly began to understand the lessons of life that would serve us for many years to come. We would persevere in the face of adversity repeatedly getting back up after we were knocked down. We would be there for our teammates when they needed us. We would pursue excellence without even realizing mediocrity was not an option. We would reach beyond our grasp being the best we could be and in doing so inspire others to do the same. We would do all these things automatically – you see everything you were trying to do in “The Grand Experiment” worked. Now that you are gone, WE ARE your legacy and we enthusiastically hold that responsibility with great honor, pride as well as humility.

So much has happened in the last year in “the enemy’s” attempt to undo everything you built. Suddenly for a moment in time, the truth became irrelevant. No one could ever imagine what happened; it seemed like the entire world jumped on Penn State in a mob-like attack to dismantle your accomplishments and that of “The Grand Experiment”. Some of the enemies were obvious while sadly others called themselves Penn Staters and/or Penn State supporters while all along having hidden self-serving motives behind the scenes. While the storm of hatred had the after effects of terrorism on the unsuspected, our foundation was so strong that we not only survived, we thrived and have reunited with players from other generations we would have never known. With “Pride and Poise” we stand shoulder-to-shoulder – WE ARE the men of “The Grand Experiment” – “the enemy” didn’t see us coming – they didn’t realize that we were still on active duty as Penn State reservists always and forever. It’s funny when we think of it now, but we all thought we were so unique. In reality, we all shared similar experiences from our days at Penn State. You taught us all the same themes – basic fundamentals that would stand the test of time. “The enemy” is now on the run and the tide is ready to turn and just like in John 8:32, the truth this time will set all of us all free. I don’t just think this – I know it!!!! We have your back Coach…we have your back.

After leaving Penn State along the way to “becoming a man” while we would make our fair share of mistakes, we would always do our best to hold ourselves accountable, making sure to say we were sorry when we were wrong, paying our penance quietly without any notice or fanfare. You taught us all so well that “Success with Honor” was the only way to win even though “the enemy” would, without any excuses and/or conscious, attempt to win at all costs. “Black Shoes, Basic Blues and No Names on the Jerseys” formed a bond in all of us and through our intestinal fortitude guaranteed all members of our team, regardless of the decade we played in, the position we played or our place/ranking on the depth chart, were responsible for our ultimate success.

You always taught us that football was so much more than a game with wins and losses. It was everything about the game of life. You wanted us to go out in the world and make a difference in our communities and the lives of others. While the ultimate goal was always something to strive for, you taught us by being tough on us, instilling discipline and holding us accountable to ourselves and our teammates. Many times it was not easy, and for some of us, we would not realize that you had actually laid the framework well in advance of us even being there – imagine that! In looking back, it is all so obvious now, but “back in the day” we relied on pure instinct to survive as we were still young boys trying to become men.

While we had all recited “The Lord’s Prayer” before and after every game, it wasn’t until your son Jay shared it with us that we realized how much you felt it was a team prayer, with constant references to “we”, “our” and “us” – upon reflection we should have known this but it just took us a little while to put all the pieces together. I haven’t told anyone about this, but in a quiet moment of solitude, I keep returning to the part “forgive us our trespasses as we forgive those who trespass against us”. Clearly, we can never forget the Second Mile children who were violated and, as hard as it is and no matter how appropriate our anger, we must forgive Jerry and pray for him as he did do good things during his lifetime, but like other addicts who didn’t get help, “the enemy” once again swept in leaving destruction and ruin. Sadly many of us had seen this before in our lifetime, sometimes with family, other times with friends, whether the addict is a compulsive gambler, a degenerate alcoholic, a drug junkie, or a pedophile, the end result is the same – the addict will lie and deceive and do whatever they need to do in order to feed the addiction all along hurting themselves and countless others young and old alike. Not stopping there, the “enemy” continues to find new ways to promote destruction and evil in our world, most recently using the instability of mentally ill individuals to indiscriminately take of the lives of innocent people. You may have already heard about this Coach, but just in case you haven’t, just last month this relatively young kid who had some mental health issues, went into an elementary school in Connecticut and shot and killed 20 six and seven year old kids in addition to 6 teachers and his mother. It was so awful. On that day, as a society, with tears in our eyes, were all parents of Newtown regardless of our religion, politics, race, age, gender and however else society separates us – on that day our country and the world were a TEAM you would be proud to coach. Please tell God we need more Guardian Angels down here as we all do our best to sort things out and live our lives at peace with one another. While it’s a much different world today, the life lessons you taught us continue to serve us well as we constantly attempt to focus on the promise, and not the problem.

Hopefully by now you have run into my Mom in heaven; she left us in 2007 to be with the Lord. I still have the letter you wrote to her in 1972 (it’s a classic) trying to guide an Italian Mom on how to cook for her Italian son so he could lose weight and hopefully improve his speed and quickness. While here on earth she didn’t  understand why I hardly played – I’m sure it’s OK now that she can see that you were just doing your job (the one you promised her and my Dad) that you would make sure I received a good education and that you would make me a man. Now she can better know how thankful I am to you for being tough on me; it didn’t just make a difference in my life – it made a profound difference. Please tell Mamooch how much I miss her. She is always in my thoughts and prayers. I guess while you’re at it, for all the Lettermen who lost loved ones along the way, please tell them we miss them as well.

Last night we had a gathering of 28 Penn State Lettermen, along with 500 Penn State Alumni and friends to watch THE JOE WE KNOW www.grandexperiment.org  documentary movie here in Baltimore. It was a GREAT night for all Penn Staters in tribute to you and all that you did for us and Penn State. We had hoped to give this movie to you as a belated birthday present, but just 3 days after filming wrapped, we lost you. As you well know, The Lord Works in Mysterious Ways and your becoming ill when you did was no exception. In making the movie, when we felt you needed us most, players from 6 (yes count them) decades came to meet one another in addition to reuniting with players from their own teams, as if no time had passed. It’s been an incredible spiritual experience and as I sit back and pinch myself (it borders on being surreal) it gives credence that we must all walk by faith, and not by sight. Quite simply, it would have never happened had we all not been knocked down the way we did, but oh boy did WE get back up. Consequently, WE MUST all hold our head high as men of “The Grand Experiment”, as Penn Staters and most importantly, as children of God. We love you Coach; in your memory we will carry on teaching others what you taught us. You will live on in us forever. WE WILL because WE ARE and in doing so we will hold strong to these simple, yet powerful words of guidance – Ask and it shall be given you, seek and ye shall find, knock and it shall be opened unto you – Matthew 7:7.

Rest in peace Coach…..rest in peace. May God Bless You and Your Family.


Joseph V. Carlozo (Joe)

PSU 1974 – #38


Filed under Uncategorized

THE PRESIDENT’s LETTER – 2012 Edition – Volume 3, Number 1, January 25, 2013

Its December 22nd – Sue is inside TARGET getting some last minute shopping done before we break for the holidays; I’m right outside in the car listening to Christmas music with what seems like 1,000 thoughts racing through my mind. Amidst the overcast sky there’s a chill in the air and the wind is blowing briskly as I watch parents with their young children walking in and out of the store. As I see happiness on their faces I can’t help but think of the horrific killing of 20 six and seven year old children at Sandy Hook Elementary School just the week prior. In so many ways what happen is worse than 9/11. I think of their families, the children who survived and the 6 teachers who died trying to save them and their classmates. I think of the brave parent Robbie Parker who lost his 6-year old daughter Emilee and with tears in his eyes offered not only his condolences to the shooters family, but his love and support to them as well. This tragedy is pure heartbreak and when taken into perspective makes whatever struggles we face personally and/or in business seem minuscule by comparison.  Like any adversity we face in our lives, our faith strengthens our resolve to move forward. Why does it take something so awful to shake our society and bring people together? Suddenly there are no democrats or republicans. Neither are there conservatives or liberals. You can’t distinguish between Protestants, Catholics, Jews or any other religion for that matter. Looking around and you can’t find whites, blacks, Latinos or Asians. Suddenly, we are all one even it is for a brief moment in time. We realize how fragile life is and bond with others regardless of their ages, race, religion, politics, gender, and however else society separates us. In the wake of Newtown, we are all parents with heartbreak. It’s times like this that we must all return to the basics giving thanks to God for all of our blessings. And with iPad in hand and a tear or two in my eyes, I begin my Presidents Letter for 2012 hoping that whatever holiday you celebrate, that you and your family had a great one filled with happiness, laughter and love.

It seems like it was just a blink of the eye and there we were starting Tax Season 2012. While each Tax Season is in and of itself unique, the inescapable common denominators are hard work combined with long hours sprinkled in with laughter, camaraderie and a “race to the finish line”. In the final analysis we prevailed, but clearly it was a hard fought battle which challenged us to the limit. In my blog – Carlozo’s Corner Volume 2, Number 2, May 21, 2012 – THE-LUCKIEST-GUY-IN-THE-WORLD-TAX-SEASON-2012-EPILOGUE – I would go on to write about it. https://carlozocompany.wordpress.com/2012/05/21/the-luckiest-guy-in-the-world-tax-season-2012-epilogue-volume-2-number-2-may-21-2012/.

In late January I was deeply saddened to learn of the passing of my college football coach, Joe Paterno. We had just finished the filming of THE JOE WE KNOW (TJWK) www.grandexperiment.org ; http://vimeo.com/37728569  which was meant to be a belated birthday surprise to him. Unfortunately, he never had the chance to see it as he died 3 days after filming wrapped. In just 12 days over 70 former players in 5 different cities (New York, Pittsburgh, State College, Philadelphia and Baltimore) were interviewed (40 minutes) with the end result a one-hour documentary film. During this time I would go on to meet players from six different decades, Subsequently, I wrote THE JOE I KNEW in my blog – Carlozo’s Corner Volume 2, Number 1, February 6, 2012. https://carlozocompany.wordpress.com/2012/02/07/the-joe-i-knew-volume-2-number-1-february-6-2012/. Amidst all of the media frenzy up until that point, and all that followed with the eventual issuing of The Freeh Report in July, I would not be surprised by judgments and/or opinions, nor would I be offended. First and foremost, the children here will never be forgotten. Still, as much as I read (and I have read a great deal on this matter) questions remained as there was no due process (a right each of us are entitled to) for Coach Paterno that I could see; in the final analysis the story as reported strongly indicated a rush to judgment. Keep in mind there was only a short period of time (approximately 2 1/2 months) from his firing as Penn State’s head coach until his death. Then it all came together when reading PATERNO by Joe Posnanski, a Christmas gift from son Joe and his wife Emily. While there was a myriad of politics beneath the surface, and for the most part unknown by the general public, it was nevertheless real. Still, I remained convinced that Coach Paterno wanted the truth to come out. Eventually, I strongly believe that the facts will support there was no cover up but rather a desire by the media to sensationalize a story. At his memorial, his son Jay led the gathering in a reading of Joe’s favorite prayer (The Lord’s Prayer) from way back in the day until his final game in October 30, 2011. It was recited after every game.  In Jay Paterno’s words, “He loved it – not so much for religious reasons but for the words. Look. The Lord’s Prayer uses the words “us” and “we” and “our”. It does not use the word “I” or “me” or “mine”. Paterno understood – It was a team prayer.”  At that point, it all came rushing back to me as 24 years ago I penned our Firm’s MISSION STATEMENT. On many occasions since then, I have been on record that the word “WE” is used seven times and you will not find the use of the words “I” “me” or “my”. Clearly, this didn’t happen by pure coincidence and without realizing it, I really didn’t think of these building blocks on my own – the principles and foundation of TEAM had been instilled many years prior without any notice or fanfare – it was a part of the Penn State football culture.

During our post tax season getaway to Myrtle Beach, Sue and I would drive north 3 1/2 hours to attend our daughter Nicole’s Graduation from Duke University’s Master Program in Environmental Management. We were so proud of Nicole and so happy to learn that in a short 3 months later she would relocate in Annapolis working through the MD Department of Natural Resources. Nicole had taken all of her God given talents and abilities and used them to her fullest extent. On reflecting on Nicole’s accomplishments, I would go on to write about it in my Blog Carlozo’s CornerGOOD ENOUGH. Volume 2, Number 3, July 5, 2013. https://carlozocompany.wordpress.com/2012/07/05/good-enough-volume-2-number-3-july-5-2012/

After returning home from Myrtle Beach, I would first volunteer time to give back joining up with a handful of former Penn State football players – you can read about it here:

http://rainn.org/news-room/12-year-old-raises-more-than-10000-for-RAINN#.UODZJ5aX6SU.twitter. From Washington DC, Sue and I would begin to get ready for our son Joe’s wedding to Emily just outside of Downingtown PA. It was a great day; afterwards, I would write about it in my Blog – Carlozo’s Corner Volume 2, Number 5, September 4, 2012 – A REFLECTION BACK, A LOOK AHEAD – AND THEY LIVED HAPPILY EVER AFTER. https://carlozocompany.wordpress.com/2012/09/04/a-rflection-back-a-look-ahead-and-they-lived-happily-ever-after-volume-2-no-5-september-4-2012/

Sadly, as much as we had hoped and prayed for a miracle, Pop would not be able to attend as he remained bedridden; in April it will be 5 years. As we had entered tax season, he was hospitalized and released under hospice care, yet somehow 4 weeks later he miraculously began eating again. While it admittedly gets harder to visit him and see his pain, his refusal to quit borders on the unbelievable and his strength finds its way to my heart and soul. He will always be with me.

Corvettes at Carlisle  http://www.carsatcarlisle.com/events/corvettes/ was much quieter this year Sue and I were on our own as Joe and Emily were away on their honeymoon and Jessica was not able to make it. Still, there’s nothing quite like getting to the fairgrounds around 7:00 A.M. and feeling the peacefulness of the moment as the Vettes from all generations slowly start to find their way in. The weather was outstanding and the parade in downtown Carlisle was simply awesome. If you have never been to Corvettes at Carlisle I again encourage you to plan a day to just walk around and have fun. As the 2013 – 60th anniversary Vette was introduced, the word was mum on the C7 (the 7th generation Corvette) which was introduced at the North American International Auto Show (commonly referred to as The Detroit Auto Show) on January 13, 2013. All I can say is this car is awesome!!!!! http://www.chevrolet.com/new-2014-corvette. The timing couldn’t be better as word has it that the federal government is about to sell its shareholdings of GM stock within the next 12 to 15 months – YEAH!!! http://www.usatoday.com/story/money/business/2012/12/19/gm-stock-treasury-buyback/1779191/. Speaking of The Detroit Auto Show, Sue and I had joined a group of Vette enthusiasts in January 2004 when the C6 was introduced as a 2005 model. It was a memorable event and helped us to better understand how special an upscale car show could be. If you ever have the chance to go – do it!!!!

As we turned the corner in fall, all of us were faced with a hard fought presidential election. Regardless of your political affiliation, the discord in Washington combined with the budget deficits are disconcerting to say the least. Reflecting on the right to vote, I penned a blog Carlozo’s Corner Volume 2, Number 6, September 10, 2012 – EVERY DAY IS ELECTION DAY https://carlozocompany.wordpress.com/2012/09/10/every-day-is-election-day-volume-2-no-6-september-10-2012. Just before the election, a bunch of us in the office joined in walking in The Race For The Cure. It was a beautiful Sunday morning in Hunt Valley in which we joined together as a TEAM on a different field. http://www.carlozo.com/Our-Company/In-the-Community/

When the kids were growing up, annual trips to Hershey were always on the agenda. We have so many fond memories of Hershey Park, Chocolate World and spending the nights in “The Sweetest Place on Earth”. To celebrate my 60th (can you believe it) birthday this year, Sue suggested that just the 2 of us spend the weekend at The Hershey Lodge. It was a great idea and I should have realized that she had a something up her sleeve when the next Saturday morning, Jess, Nicole and Joe and his new wife Emily surprised me at Chocolate World. It just doesn’t get any better as we would spend the rest of the day together as a family. While we were all older, it really didn’t matter; it was a memory that would last forever.

Whenever I see our group at work do things together as a team, it always brings a smile to my face. This December Tina and Kelly had had come up with the idea of decorating and donating a Christmas tree for the benefit of the Kennedy Krieger Institute Festival of Trees. Using a McDonald’s theme, local Owner/Operators Tom and Jean Hayden were so kind and generous to donate a vast array of decorations. Besides working together, the sale of our tree raised over $300 for Kennedy Kreiger. http://www.carlozo.com/Our-Company/In-the-Community/

As many of you know, I very much enjoy writing. I find it relaxing and very much therapeutic. It is my small attempt to inspire others and make a difference in the complicated world in which we all live. During 2012 I continued the tradition started in 2011 and in addition to the Blogs mentioned above, I continued on writing on a variety of topics:

IF YOU WANT TO CHANGE YOUR WORLD – Volume 2, Number 4, July 23, 2012 https://carlozocompany.wordpress.com/2012/07/23/if-you-want-to-change-your-world-volume-2-number-4-july-23-2012/

GO AHEAD – MAKE MY DAY – Volume 2, Number 7, October 5, 2012 https://carlozocompany.wordpress.com/2012/10/08/go-ahead-make-my-day-volume-2-number-7-october-5-2012/

WHAT DO YOU SEE WHEN YOU LOOK IN THE MIRROR – volume 2, Number 8, November 23, 2012 https://carlozocompany.wordpress.com/2012/11/26/what-do-you-see-when-you-look-in-the-mirror-volume-2-number-8-november-23-2012/

In signing off, please take this time to remember the victims and their families of Newtown. Let’s all work together in making the world in which we live a better place for everyone. If we can as human beings stop bickering, maybe we can set an example for those in Washington who represent us. It shouldn’t take a tragedy to bring us together as a nation; we are all children of God. Life is so fast-paced, make time to smell the roses and share our time unselfishly with others. Along the way be kind to everyone you meet and remember that it doesn’t take a whole lot to make someone’s day www.justbenice.com. You can change your world if you are ready to change your words and change your thoughts. “Bad thinking” is nothing more than a “bad habit” – reverse the process. “The Law of Learning” is simply “repetition” so get into the “good habit” of practicing “The Most Important Voice You Hear is Your Own” making certain that you are broadcasting positive thoughts of faith, hope and love. If you are not listening to the right radio station make a slight adjustment and tune into WJOE broadcasting live 24/7 from greater downtown Timonium. I’ll be there cheering you on. Keeping that in mind, I wish you a Happy, Healthy and Prosperous 2013!!!

Have a GREAT day!!!! May God Bless you and your families!!!!

Joseph V. Carlozo (Joe)


Filed under C&C, Motivational

THE JOE I KNEW – Volume 2, Number 1, February 6, 2012

Joe Pa

It’s Sunday morning January 22nd. By now, as I am sure most of you have heard, Joe Paterno, long-time Penn State Head Football Coach and the winningest coach in NCAA Division I football history, died today – he was 85 years old. To say I am sad would be an understatement. With tears in my eyes, I will do my best to share with you The Joe I Knew. When I was recruited by Penn State in 1970 as a senior at Calvert Hall High School in Towson MD, Coach Paterno (43 years old at the time) was just finishing up his 4th year as Penn State’s Head Football Coach after having previously served there 16 years as an assistant to Head Coach Rip Engle. Little could I, or anyone for that matter, imagine that he would continue in the same role for another 42 years. At that time, Penn State had just finished up two back-to-back undefeated seasons, an incredible accomplishment in and of itself. Not long after taking the reins from Coach Engle, Coach Paterno created the concept of  “The Grand Experiment” which was predicated on Penn State football players being more, actually much more, than good football players. Simply stated, he wanted his football players to be good students, to earn a degree while at Penn State and to go on and make a positive difference in the world. It has been a while since I thought about it, but in reflecting back, Coach Paterno geared the recruiting process much more so to the parents of the recruits. He knew that the Moms and Dads of the recruits had spent a good portion of their lives raising their sons and he wanted to reassure them that he would not only be there as their football coach, but he would be there to make sure they would receive a good education, learned important lessons of life, and in doing so, became men. It was not an easy task, but from my personal experience along with countless others, this was Coach Paterno’s greatest accomplishment, not his 409 wins or his incredible gifts to charity.

After arriving at Penn State in the summer of 1970, it didn’t take long for me to gather a sense of the intensity and passion that Coach lived day-in day-out. The themes of Pride and Poise along with Success with Honor were not just catchy phrases given lip service. They were a real part of the Penn State football culture. Coach would teach all of us to “reach beyond our grasp to be the best we could be”. He quoted this phrase often, but it wasn’t until after graduation that I discovered it was actually from a poem written by Robert Browning. The standards set for being our best weren’t simply on the field of friendly strife; Coach Paterno wanted our best in all of our endeavors. He was extremely successful in implanting his vision in me and my former teammates. What’s remarkable is that vision never left after graduation and remains alive and well years after my playing days on the gridiron have long since ended. Everyone who has ever worked for me and/or had a business relationship as either a client, or even a vendor, has indirectly been affected by Coach Paterno’s standards of excellence which were set high as “mediocrity was simply unacceptable” and “good enough was never good enough”.

In my blog “Before You Can Lead You Must Learn to Follow” – Volume 1, No. 6, November 3, 2011 (written and posted just prior to the news of the Sandusky/Second Mile Scandal), I recounted my story of how Coach Paterno turned this young boy into a man. What I didn’t share, was the story of what happened when I came to see Coach at the start of my senior year after deciding to walk away from the game I loved. Much to my surprise, I saw the immense compassion of the man as he would allow me to keep my scholarship, which he didn’t have to do. Even to this day, thinking back, I find it remarkable. But even more so was what Coach said; he told me if he had to do it all over again, he would still recruit me. I would never forget those words or the painful yet valuable lesson I had learned from him.

Years after leaving Penn State, it would haunt me that I didn’t play my senior year. Coach had taught me, and I knew deep down inside, that I was better than that. He had instilled a “reach beyond my grasp” mentality to “be the best I could be”. After graduating from Penn State, with a relatively “safe job” in private industry, I realized I needed to do more with my life, and I did. I would go on to get my CPA and CFP professional designations, found CARLOZO & COMPANY, P.A. and MASTER KEY FINANCIAL SERVICES, LLC, all along while pushing myself in my career outside of my comfort zone in an effort to fully utilize all of my God given talents and abilities. On the personal side, while I had wanted to have children and had been trying for 10 years or so, it just wasn’t happening. In vitro fertilization was new at that a time. A trip to Norfolk VA proved unsuccessful which was hard enough to accept, but even more so, the doctors gave little hope of conception. A few months later, a new in vitro clinic opened in Baltimore at GBMC Hospital. Despite wanting to throw the towel in, my trials at Penn State had taught me better and in turn a decision was made to give it one more try. Seven months later, by the grace of God, my wife at that time and I, were blessed with the gift of life in the form of triplets, Jessica, Nicole and Joe VI, who are now 25 years old (all are doing great and I am so proud of them). Shortly thereafter, I would write Coach Paterno and share with him the good news and thank him for how he helped me become a man. I vividly remember telling him, “this time I didn’t quit – this time I gave my best – this time I won”. Amazingly, he would write me back. It was 1986 and Penn State was in the midst of its National Championship year. In his letter Coach would go on to tell me that “sometimes he didn’t always know if he was right how he handled a player, but that when he got a letter like mine, it made him feel good”. Keep in mind, I was not a star by any means, and for that matter, although I had practiced long and hard, I hardly played. The Joe I Knew took time from his hectic schedule as he once again showed his kindness that didn’t show up in the “wins category”. His letter stands framed in my family room as a keepsake to pass to future generations.

 Just prior to my blog mentioned above being posted, I would attend the Penn State home game versus game Illinois, which as it turned out, would be Joe Paterno’s last game as Head Coach. One week later, the news of the Sandusky/Second Mile Scandal hit home like an earthquake. Quietly behind the scenes, former players would one by one stand up in support of Coach Paterno. In early December, a small group of former players were approached by The Porterfield Group, a film production company based in Port Matilda, PA (just outside of State College, PA) to film a documentary (to be entitled The Joe We Know) as a surprise for Coach with location shoots to be in New York, Pittsburgh, State College, Philadelphia and Baltimore/Washington. Then on Christmas Eve, I received a call from one of my former teammates asking me to be the host of the Baltimore/Washington shoot. While it was a lot of work behind the scenes, it was nevertheless an honor. I would go on to meet players from other decades, backgrounds, etc. I had never thought about it, but there was a common thread between all of us; Coach Paterno had in some way, shape or form, helped each of us become men while encouraging us to make the most of our lives, just like he had promised our parents when we were recruited. In the final analysis, Coach Paterno’s legacy lives on in all of his former players.

Much has been written about how Joe Paterno died with a broken heart. Many times life is unfair and we are hurt, judged and wrongfully treated by others, regardless of their intentions. No one except ourselves and God knows what is in our heart, yet our neighbors and society in general has a way at times of making assumptions without all the facts. In cases like this, the truth becomes irrelevant. At this moment in time, our belief, faith and trust in God along with support from family and friends pulls us through. Along with many former players of Coach Paterno, we stood up in support and to document the The Joe We Know. Ultimately, although we lost Coach, something good came out of the tragedy as awareness to signs of child sexual abuse came to the forefront. Former players who would have never known one another, united and rediscovered the man they called JoePa was not only quite a remarkable coach, but an even more remarkable human being. In making many new friends spread over six decades, we learned of how consistent Coach Paterno had remained throughout his tenure, true to his principles that he had instilled in all of his players. In filming The Joe We Know, we demonstrated that Joe’s legacy had already been passed down to us. The Joe I Knew not only lives on in me, but countless others, whose lives were touched by the man who led a simple life, dedicated himself to his family, his players and the university that he worked at for 61 years. He made the most of all his God given talents and abilities and passed on these principles and ideals in the pursuit of excellence, to all that followed. As his ultimate death approached, he did not suffer from a broken heart and he was not concerned about himself. He wanted to know his family, former players, staff and the university he dedicated his life to, were doing OK. It didn’t surprise me – that’s The Joe I Knew, and if I had to do it all over, I would have chosen to go to Penn State and play for Joe Paterno. The Joe I Knew made such a profound difference in my life. I would not be where I am today if it were not for him. Thank you Coach….thank you so much. I think coach is looking down now and smiling. Rest in peace Coach….rest in peace.

Have a Great day!!!! May God Bless You!!!

Joseph V. Carlozo (Joe)

Subject: The Final Judgment of Joe Paterno – The Huffington Post:



“The Joe We Know” http://www.thejoeweknow.org/


Filed under Uncategorized

WE ARE (still) PENN STATE – Volume 1, Number 14, December 31, 2011

Like many of my former teammates, I found myself speechless when news of the Sandusky/Second Mile Scandal broke. How could it be? What went wrong? As I was trying to catch my breath, I received many calls and emails checking in on how I was doing; it meant more to me than you could ever imagine. As a Penn State  alumnus, and former football player for Coach Paterno, hopefully you can understand if I take this time to offer my thoughts.

First of all, my heart goes out to the innocent victims and their families. While we can all focus on the person responsible for the horrific events and make certain he faces the appropriate justice, there is clearly no amount of money or repent by the guilty party that can reverse what has happened. Clearly, we can all stand to learn more about child abuse and look for signs not readily apparent. Still, I personally need to go deeper and understand why this happen. In that regard, there is both good and evil in the world in which we live. Too many times I am so saddened when it appears that society is pushing God out of our lives. When I think of God, I think of good things. I think of hope and promise.  I think of love and caring. I think of peace and understanding. On the opposite side of God is evil. Evil is customarily associated with the devil, demons or sometimes what is referred to as “the enemy”. It doesn’t matter what you call it, but the fact remains that it exists and its sole purpose is to bring misery, hurt, pain and anything else that can destroy our very souls. As bad as evil is, it did not hurt these innocent children alone. It needed to be mixed with a human weakness in the form of an addiction. Whether the addiction is alcohol, drugs, gambling, sex, spending or eating disorders, the result is the same. Ordinarily good people who 1) do not acknowledge their addiction AND 2) do not seek a spiritual healing, do things which hurt themselves, their families, friends, innocent victims and anything else they are associated with. Evil serves as a temptation luring the addict to do everything possible to destroy oneself. Because the addict did not get help AND heal their soul, the end result is the Sandusky/Second Mile Scandal. I all too well know and understand what can happen when an addict does not get help, as growing up I witnessed the hurt, pain, and embarrassment of a family member with a gambling addiction.

When I arrived on the campus of Penn State in the summer of 1970, I, along with my fellow teammates, became part of Coach Paterno’s “Grand Experiment”. As much as Coach Paterno loved football, even more so, he wanted to make certain that his players earned a college degree, learned lessons of life and made a positive impact in the world which they lived. Victories aside, he was immensely successful; The “Grand Experiment” worked and then some. Sadly, the Penn State scandal abruptly brought an end to Coach’s career. Many have said that his legacy has been permanently tarnished. In response, Jimmy Cefalo, former Penn State and Miami Dolphin standout, perhaps said it best, “The Legacy has already been written – and We, the former players…Are The Legacy”.

I did not feel alone in my sadness regarding the scandal. Together, with over 500 former Penn State / Coach Paterno players, we drafted and signed the following statement:

“As members of the Penn State community, we are deeply saddened by the allegations against Jerry Sandusky, and our thoughts and prayers go out to the victims and their families. Given the allegations against Sandusky, we understand the public’s outrage because we share it.

At the same time, however, it’s important to remember that all of the facts surrounding this troubling matter are not known. Until all of the facts are known and due process has run its course, we ask that the public reserve judgment about Joe Paterno and the Penn State community.

Having known Coach Paterno for many years, we can say with certainty that Joe Paterno is a remarkable man and that Penn State is a remarkable institution. Joe has had a profound effect on the lives of almost every member of the Penn State family. Joe has taught Penn State faith, fairness, philanthropy and the importance of academic excellence – all values that make Penn State a great institution today.

Penn State’s new president recently said that he wants the university to be known as a great research institution. In fact, the institution that Joe helped build is much larger than a single coach or team. Penn State is 94,300 students on 24 campuses. We are Milton S. Hershey Medical Center, Dickinson School of Law and Smeal College of Business. We are the world’s largest dues-paying alumni association. We are home of the world’s largest student run philanthropic organization. We are the University that has raised over $500,000, to date, for victims of child abuse during its darkest hour.

We are much more than just one man or one sport. We are a great research institution today and a university that prepares all of its graduates for success in many different fields.

Many in the Penn State community view the public’s rush to judgment of Joe as a rush to judgment of everything Penn State. We ask for due process for Joe Paterno and the Penn State community. Based on the immense quality of Joe’s character and the absence of all the facts, we stand in support of Joe and Penn State.”

The Penn State Football Family http://playersletterforjoepa.wordpress.com/

Just PRIOR to the breaking news of the scandal, in my blog BEFORE YOU CAN LEAD, YOU MUST LEARN TO FOLLOW – Volume 1, Number 6, November 3, 2011, I told a personal story of how I credited Coach Paterno with helping turn me into a man by teaching me a very painful, yet valuable lesson of life. He is a good man, a very good man. He is a father, a grandfather and surrogate father to all his former players. I ask that you join me and my fellow former Penn State players in reserving judgment until all the facts are known. As painful as it is, many times something good seems to come out of a tragedy. In this case, God willing, I hope and pray that this too is one of those times. In the final analysis, when the dust settles and the truth is known, WE ARE (still) PENN STATE.

As so as we close out the year, I wish you and your families all the very best life has in store and that 2012 is a happy, health and prosperous New Year!!!

Have a Great Day!!! May God Bless You!!!

Joseph V. Carlozo (Joe)


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