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Is the Dollar “Really a Dollar”?

This Falling Dollar “The Mental Secret of Life”

Will it help you or kill you?

American’s greatest Self-Help Book

Written by

Darnetta Marie Mahaffy

This book is designed to provide practical and authoritative information
regarding the subjects discussed. It is sold with the understanding that
the author is not engaged in rendering legal, accounting or other
professional advice. Because of the vast differences in state laws the
services of a professional should be acquired if legal advice or other
expert assistance is required. The author specifically disclaims any
liability attained through the use or application of this book.

This Falling Dollar “The Mental Secret of Life”

ISBN 978-1-329-56758-0

Without question I thank Our Father God, Our Lord Jesus, and
the entire Host of Heaven. I am so grateful to have been revealed the
truth regarding how much God Love Us, we are never alone. All night,
all day the Angels keep watch over us, Holy Spirit diligently guides us
and common sense must be cherished.

I thank my parents Rosie McCray Mahaffy and Mack Mahaffy, Jr.

along with the rest of my precious family and friends who has always
been such a great source of encouragement.

I thank my many colleagues of more than 25 years in the

advertising, marketing and promoting industry that continuously
supported me even until now encouraging me to release this book.

And last but not least my dear sweet children for being obedient
and willing to trust me as a single mother to guide them as Holy Spirit
guides me.
This Falling Dollar

“The Mental Secret of Life”

We it help you are kill you?

Written by

Darnetta Marie Mahaffy


Table of Contents















If the “Dollar” is really a “Dollar” then I should be rich!

The question is “Is the Dollar really a Dollar? When I

received my very first dollar it was a very exciting day. It looked

like what I was told was a dollar bill. When I felt the texture it felt

like one the dollar bills given to me as child. So, immediately I

thought about the words I heard my mother say “There's No Dollar

like Your Very Own Dollar”! Well, right then and there the seed

was planted in my mind; I had to earn my very own dollar. Even

though my face was not on the dollar bill still, I referred to my first

earned dollar as my very own dollar. But, to my surprise I had to

pay to get the dollar I had already paid to earn. So, that was the

first awakening to the truth, even though I worked to earn the

dollar I could not bring that dollar home because, I had to pay for

the privileges of living in the Continental United States of

America. As a young teenager I didn’t fully understand this

concept. But when it was explained, we had to pay our “Fair

Share” so that all of us as citizens might live in comfort, I

accepted. However, fair share is what I was expecting but, when I

thought about it I said there is something wrong with this picture.

Yes, I continued to follow the instructions of my mother but, still

some things went from being fair to “Unfair”. Now the

information I am about to share in this book is based on my

personal experience with money and the true anatomy of the dollar

bill in the United States of America. First of all the dollar really

isn’t a dollar, it only represents a false sense of security to some

poor fools and an abundance of wealth to another. You ask why?

When I really took a good look at this quote/unquote dollar bill I

had to say to myself, is this dollar really a dollar? It looked like

the dollar my parents or relatives gave during the holiday season or

on my birthday along with other nice gifts. However, when I went

to the store to purchase something with that dollar I didn’t have

enough money to spend the dollar as a child because of the Big

“T” word. Imagine that the dollar wasn’t a dollar without the tax.

Well, I got over that shock but, when I got my first job the dollar

started shrinking even more. So, this really made me realize there

was something different. The dollar value when I received it from

my parents was different from the dollar I earned on my very first

job. Now, you would think getting a job you would have more

money but it was just the opposite. So, when I earned a dollar and

I only had twenty five to thirty three percent to live on it made me

wonder if the dollar was really dollar. In the following chapters of

this book you will find out the shocking truth if you were born

within the continental United Sates of America. Yes, we were

“Born into a Setup” and this book will make a difference in

whether or not you and/or your family will ever get ahead in this

new millennium. The anatomy of the dollar bill we are using

everyday will bring you and your entire family into destruction

without the knowledge in this book. Also, you will begin to see
things more clearly and how to protect yourself from the ultimate

financial destruction we are setup for by learning what to do with

the twenty five to thirty three percent take home pay we are given

after earning what we were told we would be earning. I will share

with you the formula needed to survive the Great American Setup.

Now, you will get the true spill on the dollar bill in the following

chapters; Is the Dollar Really and Dollar, Three to One, The Power

of the Penny and more just to name a few. No it is not fair but, we

were born into a Setup

Mahaffy/ The Setup

Chapter 1

Is the Dollar Really a Dollar?

I don’t want to make to many promises however, the one promise I

will make is to keep this information short, simple and as sweet as

possible for you. I really want you the reader to simply enjoy reading

and re-reading the information in this book so that you will constantly

drill yourself on this survival information. So, if I KIS (Keep It Simple)

you will teach to your entire family young and old these value concepts

and formulas for their future survival.

What does it cost you financially everyday to get to and maintain

your job? I don’t know about you but, I commute to the city of New

Orleans everyday from my rural home. So, the car note, gasoline, auto

insurance, oil changes and other maintenance is at my own expense. My

employer provides me with the necessary tools to do the job I am hired to

do and definitely pay me the amount we agreed to upon accepting

employment. However, when I received my pay check there were so

many dollars taken out no, not by my employer but other government

entities through my employer. Just to name a few FICA (Social Security

taxes) a tax on employees and employers that is used to fund the

Social Security system, State (Taxes paid to your state’s for the needs

of your state). Now, don’t feel like we are alone actually there are

residents of other countries paying their fair share also (Chart Below):

This is a list of tax rates around the world. It is focused on three types of
taxes: corporate taxes, individual taxes and sales taxes (value added taxes
(VAT) / goods and services taxes (GST) / sales). It is not intended to
represent the true tax burden to either the corporation or the individual in
the listed country.

Individual Payroll VAT / GST /

Country/Region Corporate
tax Sales

30%+3% 0-40% 7/14/17%

5-50% (depending
35% 1-60%
Angola on the good)

35% 9-35% 21%

4.75-6% 10% GST (0% on
30% 1.5%
Australia[3] (state) [4] essential items) [5]
25% 21-50% 20% (GST)
22% 0-35% 18%
0-40% 0-25% 4-15%
15% (hotel
40% 25%-40% accommodation

24% 12% 35% 10/18%

21% (6% for
33.99% 25-50% essential and
selected goods)

35% 60% 18%

10% FBiH, 10% 5% FBiH, 0- FBiH, 42- 17% FBiH, 17% RS
Bosnia and
RS [4] 15% RS [5] 57% RS [7]

15% (plus 10%

25% 10%
Botswana surcharge)

34% 0-27.5% 31% 17-25%

10% 10% 42.7% 20%
10-45% 2-30% 15/25%
Burkina Faso
35% 35% N/A
38.5% 10-35% 19.25%
15-29% 5% (GST)
(federal) 4.95%
29.5-35.5% 0-10% (provincial
Canada[8] (CPP)
4-24% sales taxes or value
(provincial) added taxes)
17% 0-40% 19%
25% 5-45% 17%
35% 0.29-38.5% 16%
20% 15-45% ide)[10] 23%

30% 10-50% 12%

15% (0 or 5% for
10% 0-30%
Cyprus certain goods)

21% 15% 47.5% 19%

Czech Republic
25% 0-63% 25%
20% 10-20% N/A
25% 0-25% 13%
El Salvador
21% 21% 33% 20%
9-32% 17% (food and
national, fodder)
Finland 16-21% 8% (e.g.
municipal accommodation
and culture)

21% (social
charges) 19.6%/5.5% on
33.33% 45% certain goods (e.g.
France 0-50% food)
35% 5-55% 2.6% 18%
19%/7% on certain
29.8% (average) 0-45%
Germany goods (e.g. food)
15% 20% 18%
33% 17-40% N/A
19%-9% certain
22/25% 0-40%
Greece goods

31% 15-31% 12%

35%/45% 33⅓% 16%/0%
16.5% 0-15% N/A N/A
Hong Kong[13]
18% and
16% 50.5% 25%
Hungary 36%

18/26% 0-36.72%[14] 6% 0/14/24.5%

30-40% 10-30% 12.5%
28% in FY 2009 5-30%
25% starting FY starting FY 10%
2010 2009

25% 0-35% N/A

21.5% Goods
12.5% 0-41% 16.75% 13.5% Services
0% Food

27% 10-47% 16.5%

20%-4% on some
31.4% 23-43% goods (foods,

33.3% 3-5% 25% 16.5%

30% 5-40% 5% (consumption)
15/25/35% 5-30% 16% (GST)
17.5%(10), 10% 11% 12%
13/25% 21.375% + 10%
South Korea[2]
36% excess

15% 23% 33% 21%

15/4-21% 2-20% 10%
20% 21% 34% 19%
29.63% 6-38.95% 15%
26% 0-28% 5% GTS
35% 0-35% 18%
28% 3-29% 15%
33.33% 0%[15] 19.6%
9% 15% 17%
35% 0-41.5% 20%
N/A 10-25%[16] 13%[17]
19% (6% for
20/25.5% 0-52% essential and
selected goods)

30% 12.5-38%[18] 12.5% (GST)

New Zealand
25%, 14% (food
and drink in shops)
28% 0-47.8% 14%
Norway and 8%

35% 7.5-35% 16%

30% 0-27% 0/5%
27% 15-27% 2/19%
Philippines 35% 5-32% 0 ; 7 ; 12%

(in some cases,

foreign investors
are zero-rated)
22%, 7% (reduced
19% 18-32% 41.11% rate on certain


12.5-27.5% 10.5-40% (reduced rates on

certain goods --
5% or 12%)
19% (9% hotel
16% 16% 45.15% accommodation ...

18%, 10% and 0%

20% 13%
Russia (reduced rates are
for certain goods)
20%-85% 2.5% Zakat
11% Social Non- N/A
Saudi Arabia [19]
security residents

33% up to 50% 20%

18%, 8% and 0%
10% 10-14% 35.8% [20]
Serbia (reduced rates are
for certain goods)
18% (17% as of
3.5%-20% 7% (GST)
Singapore FY 2010)[21]

19% 19% 19%

22% 16-41% 8.5/20%
28%[22] 18-40% 14%
South Africa
25-30% 0-42% 16%
32.42%[26 25%. 12% and 6%
26.3% [23]
Sweden [25]
for some goods.[27]

13-25% 3.6/2.4/7.6%
Switzerland [2] (federal)

10-45% 5-15% Debuts in 2008


Republic of 25% 6-40% 5%

30% 15-30%
30% 5-37% 7%
30% 0-35% 6/12/18%
20% 15-35% 18%
25% 15% 20%
United Arab N/A 0% [28] N/A
United 21-28% 0-50% (*Temporarily 15%
Kingdom [29] until January 2010)

(federal) 15.3% 0-10.25% (state
United (federal)
0-10.3% (federal) and local)
States[30][31][32][33][34] 0-12% (state)

30% 0-25% 23%

12% 13-30% 10-20%
8-10%/9%, will
raise to 12%
15/22/34% 6-34%
Venezuela[2] beginning April 1,

28% 0-40% 10%

British Virgin N/A 0% [35] 10-14% N/A

Source: http://en.wikipedia.org/wiki/State_tax

So, as you can see we as citizens born within the Continental USA

may not be paying the highest after all but, we must understand

these are obligation we will not be able to get around. Yes, there

are various tax shelters for many however, will still need the

information in this book to maintain survival in this new

millennium. So after you take a really good look at you payroll

deductions your net pay less your deduction will help you answer

the question. Is the Dollar really a Dollar?

Mahaffy/ The Setup

Chapter 2

Three to One

Well, now that you had a chance to figure out whether a dollar is

really a dollar for yourself the three to one concept my make sense.

Your see if an actually worth of your net pay is only twenty five

percent to thirty three percent of an actual dollar than it will take

two to three extra dollars to make up the true value of dollar in

your pocket. Now, you may say still how this can be. Well, when

you finish paying taxes and receive your net pay, you're not finish

paying taxes. Again, more of the same taxes will be paid in

government fees if you have a telephone and other utility bills so

federal, state and local government will need to collect from you.

Also, when you buy groceries get other necessary retail items there

are numerous taxes to still pay. So, you see you must pay to get
what you’ve earned and pay to spend or use what you earn. I

know I never mention finance and interest charges to spare you

some heartache. So, to KIS (Keep it Simple) for every dollar you

spend you are spending three to four dollars. You may have not

realized it yet. Our elders said “Lord, look like we take one step

forward and two steps backwards. This is what they meant. So,

now you see why the dollar menu, dollar stores and everything

about dollar is so darn popular. Because the concept or the

psychology is if you by a one dollar burger chances are you will

buy a drink and some fries and if by chance there is more the one

in the child in the family the dollar grows in leaps and bounds. So,

the next time you get ready to take out a dollar think about it I am

spending more than a dollar. Ask yourself first, what this dollar is

actually costing me /my family in the long run. My friend is the

epitome of “Sudden Destruction” it will sneak up on you and may

perhaps lead to bankruptcy, foreclosure, homelessness. God

Forbid! It would be wise to seek fifty plus percent discount on

items you purchase, two for one special, off season vacationing or
sometimes just saying NO! So, for a simple recap the dollar really

isn’t a dollar if it is not the dollar and taxes worth as your net and

for every dollar you spend you are subject to loose two or more.

Notice the average purchased home take thirty years to pay off

why because, 20 years of the payments is interest and finance

charges alone so ten time three is thirty. And the average car will

cost you twice as much as the sticker of blue book value with

interest and finance charge. So, please be guarded we will talk

about the easier payoff method later in the: “How to Payoff

Earlier” Chapter of the book.

Mahaffy/ The Setup

Chapter 3

The POWER of the “PENNY”!

I guess I will have to admit this is probably my favorite chapter ion

this book. Yes, the power of the penny. Now that we have

establish the dollar really isn’t a dollar to you if it is not your net

pay and for every dollar we spend in actuality we spending two to

three dollars more. So, we begin to see when spending a one

dollar bill is like spending a five dollar bill.

The first question I want to ask you in what is the basic color of

the coins we use in our everyday domestic lives? I guess you will

say silver yes, the quarter, the dime and the nickel. And of courser

we know that there are other coins as well as collectible coins but,
right now we will use on the basic four so again, I ask what color

are our basic four well, we answered the first three however the

one we did not speak of is the penny. You know all of the other

coins we spoke of are silver except the penny so, what color is the

penny? Some will say copper others my say brown well, it can be

consider one of the brown family. But, more than the value of the

penny right now is the color. I want to follow carefully here, the

dollar bills we see represent the leaves on a tree and right now we

are talking about and apple tree in this example. The leaves have

many purposes. However the silver coins represent the fruit the

apples. So, though sometimes we may have many leaves on the

tree our purpose may be limited but, the fruit on the tree may be

consumed in many ways and very nourishing. The old saying is

“An Apple a Day Help keep the doctor away”! This is very true,

Eat Right 4 (for) your Type and live healthier. Less medical bill

hopefully. Now, back to our analogy, remembering the green

leaves limited,
The fruit unlimited so, where does the penny come in? When you

originally receive your net pay you fell limited because the purpose

of the net pay is often misunderstood, the net pay is to provide you

with the necessary resource to pave the way to your financial

independence, Your net pay to help you learn how to “MIND

YOUR OWN BUSINESS” yes your pay is what should have been

the resource for your own business. The fruit of your Business is

really what was intended to for your everyday living but, we

allowed ourselves to leave at the level of what we thought was a

dollar and the more we prosper the less value the penny had in our

eyes so, people would throw them into wishing wells, hot glue

them for pretty design and other invaluable things. But, back to

our fruit tree leaves (dollars) good but limited uses, apples (silver

coins) unlimited uses so, what does the penny represents? KIS
(Keeping It Simple) the penny represent the seed which is the most

important part of the fruit for our survival. I guess you say all of

this to say that the penny is the seed please explain, Well, stay with

me here if, it were necessary you can remove every leaf from the

tree and actually count them the same with the apples and if I ask

you to slice just one of your apples in half I know you can tell me

just how many seeds are in the apple but, can you tell me exactly

how many apples and apple trees are in the apple seed? No, never

and when you understand that your millennial prosperity is in the

seed “YOUR BUSINESS” will not prosper. So, if the dollar really

isn’t giving the full value of a dollar and basically we are getting

only twenty five percent to thirty tree percent of the value the other

quarter, dime, nickel and penny become more and more valuable

everyday. Alone these coin or denomination adds up to forty one

cents alone. So, stop throwing away you seeds, place more value

on those quarters, dimes, nickels and pennies because this is at

least the net worth of a dollar. That’s why you hear about penny

stocks also, with the price of stocks as low as they are a Scottrade

http://www.scottrade.com maybe a great time to invest in some

necessity stock and turn a profit. This is just food for thought.

Little does become much!

Mahaffy/ The Setup

Chapter 4

The Simple Annual Survival Formula

Now this is very simple, start with today date, estimate your

desired annual income level. Write it down here

$________________________ Today’s Date ___________

Divide this number by ___________ ∕ 365 days _________

Multiply this number by ______________ X 4

(Remember it take $3 - $4 to equal a real dollar) ________

Pre-Projected Daily ________________________

New Average daily earnings $_____________

(Mind Your Own Business whatever you choose)

Write down your actual Monthly income


Divide this number by _________________/ 365

Subtract this number from your Pre-Projected


Now this is the amount of money you should be generating

daily to reach your goal.

Mahaffy/ The Setup

Chapter 5

How to Pay Bills OFF Early

These are three of the easiest methods for paying of big bills early.

Most companies prefer that we not take advantage of this method

because; it will not be to their advantage. Whenever possible to

alter your payments try paying your house note on the 15th of the

month instead of the last date of the month or pay a month ahead

and begin paying your note on the first day of the month. Also,

take one of your regular notes and divide it by twelve and pay this

amount to the mortgager in a separate check memo: “For

Principle ONLY”! Now in addition to this do this every month,

pay one check or regular payment and a separate check or money

order for one twelfth of a payment for “For Principle Only”!

Now, when you accumulate or get an income tax return or an extra

bonus pay one additional note at that time and in the memo of that

check or money order remember to put “For Principal Only”!

This mortgage paying process will place you back into the driver’s

seat. *Warning-do not be deceived into thinking that you do not

have to put this information on your extra payment monthly or

your one extra note yearly because it will not be applied the same.

Instead of the interest eating you up from the front you will be

feeding principal on the back end. *Another very important note-

try to keep a running total of your payment by simply using

Microsoft EXCEL or some other type of budgeting software

formulated to subtract your payment from your principle amount

and to add all of your regular payments and as well as a “For

Principle Only”! Remember (KIS – Keeping It Simple), this is

for your records and keep your statement to match your records.

You may want to consider stapling all of the “Monthly Mortgage

Transaction Records” for each month together. Please do not trust

any of the banking system records or any other financial

institutions bookkeeping systems at this time. They are totally

dependent on the computer not a human. Computers are great but,

sometimes there can be a glitch in a cell within a formula. Always

remember Murphy’s Law, whatever can go wrong will.

Now this same formula can be used when paying for

automobiles or any other monthly note at this point. However,

revolving Credit Card or any kind of Credit Card payments it is

just a little bit different #1 Always payment off each purchase

monthly if you can before the late charge date. This way there will

be no balance left to pay interest on. Only charge what you can
afford to pay back when you get you paycheck if possible. #2

whenever you are paying the minimum monthly amount, pay the

finance charge with the regular payment and pay the finance

charge amount as extra amount "For Principle Only" in a separate

payment (memo: For Principle Only).Because, as you are trying to

pay down the balance but constantly your finance charge will

increase your balance. So in order to get a full credit towards your

principal you must not be fooled by that finance charge system, it

will decrease the principle payment amount you really need to


Late payments are the greedy little worms. Try to never have

to pay them to any company! Unconsciously, thousands of your

hard earn money go away each year in late charges.

Another very important subject matter:

“Term Life Insurance”

As a former Life insurance agency I recommend Term Life

Policy. As a “Plan For Life” Specialist you have to take a

retrospective look at your expenses such what were you financial

picture in the past, what are they now and a projected look at the

future (KIS) yes, keeping it simple, if your expense at present is

more than you present income then what will happen at death for

your family. So, the reason why I recommend Term Life

Insurance, it is very affordable by the hundreds of thousands or

even a million. You the see the objective here is to be able to pay

off everything, leave enough money in place for monthly living

expenses for the surviving spouse and children especially if they

are not finish college. So, whole life while cost you a fortune to

cover all of these necessary expenses and certainly, after all of you

hard work you deserve a great final resting place. Also, educate

your family in advance on the importance of maintaining your

burial territory out of respect regardless to your religious beliefs.

Mahaffy/ The Setup

Chapter 6

Daily Mentally Process Financial Problems

Now believe it or not this is a very simple process. Look back

over your life; if you are reading this little book you must realize

he has never forsaken us. Everything GOD created is good and

still is to this very day. The sky above us is still blue, the trees are

still green, the grass is still green so, really I can go on and on and

on but, simply put (KIS) “ONE DAY AT A TIME”. That is truly

the answer. We haven’t come this far to be left behind. Work

while it is day, rest at night if you can because, this is when you

true visions will come. True vision is clear mind, unclouded, open

to fresh new thoughts. Don’t be afraid truly where there is a will,

there is a way. Pastor Deborah B. Morton, Women of Excellence

CD Productions yes, you want to add this and any other positive

food for the mind to your CD or Video collection. Feed your faith

everyday. It is like a muscle, you must work your faith. It has

been said by many generations even in the scriptures “Faith

without works is dead”! There is a biblical formula given and her

it is; Seek Ye First the Kingdom of GOD + and HIS

Righteousness = Then all these things shall be added unto you!

It is simple mathematics or old school says “ARITHMETIC”. If

we know what tomorrow hold then we might think we don’t need

GOD. So, that is why we are only allowed to know who holds

tomorrow. Isn’t that just amazing? I don’t know about you but I

must say as the psalmist “If It Had Not been For the LORD on

My Side, Where, OH Where would I be????? I know it gets

hard sometime walking in the dark of life but, console yourself

with this knowledge, the same GOD who was with the children of

Israel in the land of Egypt, brought them out of the house of

bondage and cross them over the Red Sea on dry land, rain manna

from heaven and so much more is “STILL” GOD! I choose to

trust yes, too is has been said we must learn to trust him even when

we cannot trace him. And as I began to write this little book my

only desire was to bring to a hurting generation that God has not

failed us. In the beginning God made man unfortunately, man

made slaves and by the same token man continue to deceive but,

the very elect know in whom the GOD we trust. My Brother or

My Sister if you find yourself reading this writings simply repent,

ask GOD to forgive us for misjudging and being angry and give us

the mind of JESUS CHRIST! You will find if you just pause right

here and look unto GOD who is the author and the finisher of LIFE

we will wait for you (Take a long as you wish to fellowship with
our Heavenly Father;













now that you have returned, trust in the LORD with all of your

heart and lean not to your own understanding, he will guide your

path from here! Let JESUS Guide you, he know just what to do he

certainly has walked this path before.

Mahaffy/ The Setup

Chapter 7

No Looking Back

Now let us revisit “This Falling Dollar” by now we all know

if you are here in the Continental United States of America no

matter who you are we were all “Born Into A Setup” why, do not

be deceive by what appears to be the rich lifestyle. In this great

country of ours we will never truly own anything so, the only

difference between you and the quote/unquote rich is USAGE!

Remember this word USAGE, everything here is on loan (as long)

yes, it is your no matter how long you paid for it, got the deed or

title in your hand, it is for us “As Long As we do nothing wrong at

all until we die. So, stop seeing yourself as poor, under-privileged

as all of those other classifications and learn to “Mind Your Own

Business”. Yes, after all that yes inspirational talk I said; learn to

mind your own business. You see where me made our first mistake

I say we because this is a national problem. Only certain people

were encouraged by one means or another to start their own

business. First of all don’t have too much pride and certainly, do

not be afraid. I always told my children toilet cleaning is okay

especially when you own the company.

Get a lawnmower, a pressure washer; utilize your banking skills by

becoming a budget planning company. Just learn as quick as you

can to mink you own business. Simply go online, read books, ask

people how to start a small business. I have ended most of my

sessions with this provocative thought; I have only found three

types of people so far; Those who MAKE THINGS HAPPEN,

those who wait to see what is going to happen and those who

wonder “what happened”. Which one or these people are YOU?

Also, find out what benefits come with being a business owner.

No matter what you do, advertise your business people have to

know about you and what you have or service you have to offer at
affordable rates and what makes your business uniquely different.

Simply show people how much you care and they will begin to

refer you. Start small to get the feel of business ownership. You

see the word vision begin with the letter V for a reason:

V have only one point and the bottom, that your vision.

Now the top of the V is open for a reason, it is “UNLIMITED”.

Do you get it; the sky is the limit to where your business can be.
Go yes, even on the World Wide Web (WWW.Your Business Dot

Whatever). Now remember, if the dollar really isn’t a dollar

anyway just make some sense (CENTS). You see it really wasn’t

as much about the big dollar as you thought. Even AVON is

making a huge profit so, it really does not matter what you choose

just take a good look around you and see what your community is

lacking and don’t be afraid to offer a product or service.

Now when you start you new businesses remember to budget for

inventory or supplies, save some money and pay you. It may be a

family dinner to start off but, who’s to say; perhaps you’re being

tested for “Gratitude”.

You see the people who always get the most or really the ones

really grateful for little.

You know this is a very special chapter seven this is the

number of completion. Yes put the pass behind and look ahead.
You see in New Orleans I have always seen the mules in the

French Market most of the time with blinders on and I wondered

why. It was so that they would look straight ahead so, be like the

mule in the French Market. Imagine you are traveling as a tourist

in a mule driven carriage and he is trying to look to the rear while

going forward, not a pretty site. So, to look behind he must turn all

of the way around, away from his course, an awful mess to think

about. My promise from the very beginning is to (KIS) Keep It


Mahaffy/ The Setup

Chapter 8

The New Beginning

I wanted to keep this little book simple so that you will consider

reading it over and over again. Consider giving a copy to each of

your children perhaps you co-worker or your dear friends. You

see, my life wasn’t always simple but, my family and I learned

how to trust when we could not trace. My mother is a very artist

and educated woman and like her I tried to continue in her

footsteps. Her main concerns were our “Salvation” and our

“Education”. She truly trust the Lord and she tried to teach us the

same yet in the midst of it all my father who wasn’t equally

educated yet had knowledge of God unfortunately, chose another

path. Early on my family was a statistic because of hard times and

out of ignorance my father thought head could change some things

and decided to take matters into his own hands. So, as a young

teenager my father shot my mother in the head, the head and in the

arm with my youngest sister in the car and my other sister, family

and friends shouted NO! But, that did not stop him he was

miserable, full of anger and feeling defeated. So, as a result of all

this tragedy what child would go on to be any kind of a success? I

felt during my graduation year at Warren Easton Senior High

School I would be the one child not likely to succeed so, what

about my sisters or our wounded mother, imprisoned father.

Unfortunately, it didn’t stop here after all of that tragedy I said I

would never marry or ever have children because there was just to

much pain involved boy, was I wrong about that and right about

some things also. Well, eventually, I got married, had two

beautiful children by a sometimes nice but, very abusive husband.

First child born three pounds, fifteen ounces then eights years later

things appeared to be little better my eldest son was born weighing

two pound, eleven ounces. A lot of mistakes made in the first

marriage. Married believe it or not again, my husband became a

local pastor, we had two beautiful children together however, and

he decided he would have sex with my eldest daughter because she

was in the house. So, of course that marriage did not last. Yes, I

am telling you this all for a reason. In spite of it all after my first

child I own my first salon. After my second child I began my

career in the Radio Industry, and open my second full-service salon

in the shopping center where I leave. As time went own I have had

and offer various services to the community where I live.

Eventually, I became the radio station’s general manager teaching

many other by way of workshops seminars and personally by the

hand ho to succeed in business. Currently, I am one of the most

sort after, highly recommended Marketing Consultants, Block

Programming, Multimedia Professionals and now with one of the

largest Media Companies in the World, owner or eight hundred

radio stations and more (reference available upon request) in the

world. So, when I wrote this book to encourage you I speak to you

completely from the heart under inspiration and guidance of the

spirit that your lives may be enriched. I just want to let you know

certainly, there is always so much more to say or tell. But, as I

promised (KIS) I am keeping it simple so that you will believe and

be motivated. Do not be intimidated by big name companies, the

bigger the company the bigger the problem. So, whether which

ever all of these problems are great problems to have because, this

what make up free enterprise. So, Back to that word “USAGE”

You actually determine just how much “USAGE” you will have in

this world but you first must believe!

Mahaffy/ The Setup

Chapter 9


Are you a member of the “OTHER CLASS”? You might ask who

in the world is the OTHER CLASS. Well, the OTHER CLASS is

Americans who are neither rich nor poor. Unfortunately, the

OTHER CLASS does not fit into quote “the middle/lower class”

either. Again, too poor to be rich, to rich to be poor but, never

allowed enough of their monies earned to really get ahead. Here is

a better explanation of middle/lower class Americans as defined

by; From Wikipedia, the free encyclopedia (available online at

http://www.wikipedia.org )

America's middle class

The middle class by one definition consists of an upper middle

class, made up of professionals distinguished by exceptionally high
educational attainment as well as high economic security; and a
lower middle class, consisting of semi-professionals. While the
groups overlap, differences between those at the center of both
groups are considerable. The lower middle class has lower
educational attainment, considerably less workplace autonomy, and
lower incomes than the upper middle class. With the emergence of
a two-tier labor market, the economic benefits and life chances of
upper middle class professionals have grown considerably
compared to those of the lower middle class. The lower middle
class also commonly needs two income earners in order to sustain
a comfortable standard of living, while many upper middle class
households can maintain a similar standard of living with just one
income earner. Both groups, depending on definition, are believed
to be growing. Yet, popular opinions on the subject vary greatly
with some dividing the middle class into as many as three sections.

Lower middle class

The lower middle class is the second most populous according to
both Gilbert's as well as Thompson & Hickey's models,
constituting roughly one third of the population, the same
percentage as the working class. However, according to James M.
Henslin, who also divides the middle class into two sub-groups, the
lower middle class is the most populous, constituting 34% of the
population. In all three class models the lower middle class is said
to consist of "semi-professionals" and lower level white collar
employees. An adaptation by sociologists Brian K. William, Stacy
C. Sawyer, and Carl M. Wahlstrom of Dennis Gilbert's class model
gave the following description of the lower middle class:
The lower middle class… these are people in technical and lower-level
management positions who work for those in the upper middle class as
lower managers, craftspeople, and the like. They enjoy a reasonably
comfortable standard of living, although it is constantly threatened by
taxes and inflation. Generally, they have a Bachelor's and sometimes
Masters College degree.

—Brian K. William, Stacy C. Sawyer and Carl M. Wahlstrom, Marriages, Families &
Intimate Relationships, 2006 (Adapted from Dennis Gilbert 1997; and Joseph Kahl

Taking into account the percentages provided in the six-class

model by Gilbert, as well as the model of Thompson and Hickey,
one can apply US Census Bureau statistics regarding income.
According to these class models the lower middle class is located
roughly between the 52nd and 84th percentile of society. In terms of
personal income distribution in 2005, that would mean gross
annual personal incomes from about $32,500 to $60,000.[20] As
42% of all households, and the majority of those in the top 40%,
had two income earners, household income figures would be
significantly higher, ranging from roughly $50,000 to $100,000
annually.[13] In terms of educational attainment, 27% of persons had
a Bachelor's degree or higher. If the upper middle and upper class
combined are to constitute 16% of the population, it becomes clear
that some of those in the lower middle class boast college degrees
or some college education.

Working class majority

According to some, the majority of Americans may also be
correctly referred to as being members of the working class. This
use of the term "working class" is largely applicable if the nature
of work becomes the main determinant of social class. After all,
social class is the distribution of individuals among positions
within society whose influence and importance differ. Thus the
nature of a person's work and the associated degrees of influence,
responsibility, and complexity determine, to a large degree, a
person's social class. The more influence and responsibility a
person has and the more complex his or her work, the higher his or
her status in society. As qualified personnel for relatively
important, responsible, and complex occupations are scarce,
income increases as well, following the economic principle of
scarcity resulting in value. According to this approach, occupation
becomes more essential in determining class than income. Whereas
professionals tend to create, conceptualize, consult and instruct,
most Americans do not enjoy a high degree of independence in
their work, as they merely follow set instructions. Many of these
working class workers are most commonly, due to their income,
called middle-middle or statistical middle class. Class models such
as the ones brought forth by Dennis Gilbert or Thompson and
Hickey estimate that roughly 53% of Americans are members of
the working or lower classes.
It is the nature of their work and lack of influence that leads some
to come to the conclusion that most Americans are working class.
The majority of workers are not paid to share their thoughts and
ideas as much as professionals. They are commonly closely
supervised and do not enjoy a great deal of independence in their
jobs. They are also not commonly paid to think, and their thoughts
are not often sought by their employer organizations or clients,
which leads to a lack of influence. A dentist's office offers itself as
an example. The median annual earnings of salaried dentists were
$136,960 in May 2006, indicating a high degree of scarcity for
qualified personnel. The opinions and thoughts of dentists, much
like those of other professionals, are sought after by their
organizations and clients. The dentist creates a diagnosis, consults
the patient, and conceptualizes a treatment.[28] Dental assistants
made roughly $14.40 an hour, about $32,000 annually. Unlike
dentists, dental assistants do not have much influence over the
treatment of patients.[29] They carry out routine procedures and
follow the dentists' instructions. As a result dental assistants may
be referred to as being working class. Similar relationships can be
observed in other occupations, such as between professors,
journalists, and economists on the one hand, and their researchers
on the other.

Vernacular middle class

The term middle class in more colloquial language use may refer
to all those individuals who might at one point or another be
identified as middle class, as they occupy neither extreme of the
socio-economic strata. Most of those with households’ income
between $40,000 and $95,000 identify as "middle class." The term
can also be used to describe those at the actual center of the
income strata, who may also be referred to as the middle-middle
class. There are many different theories on the middle-middle
class. The middle-middle class may be composed of those
households with annual incomes of 80% to 120% of the national
median household income. Persons in this income range could, in
accordance to solely economic reasoning, be referred to as the
American average. Such households would boast annual incomes
ranging from $35,200 to $52,800, and thus be located in the middle
of the income range. Some of these households, while actually
being in the middle and thus sometimes referred to as being middle
class, cannot, however, afford the middle class lifestyle. Yet
another definition states that the statistical middle class includes all
those households with income ranging from $25,000 to $100,000.
This is, however, a very vague definition, as it includes persons
from all but the lowest quintile. Using this definition creates a class
so economically fragmented that it would lump together those who
are struggling to make ends meet with two incomes and those who
are able to live the iconic middle class lifestyle with just one
income and are highly educated.

Weberian definition
Some modern theories of political economy consider a large
middle class to be a beneficial, stabilizing influence on society,
because it has neither the possibly explosive revolutionary
tendencies of the lower class, nor the absolutist tendencies of an
entrenched upper class. Most sociological definitions of middle
class follow Max Weber. Here the middle class is defined as
consisting of professionals or business owners who share a culture
of domesticity and sub-urbanity and a level of relative security
against social crisis, in the form of socially desired skill or wealth.
Thus the theory on the middle class by Max Weber can be cited as
one that supports the notion of the middle class being composed of
a quasi-elite of professionals and managers, who are largely
immune to economic downturns and trends such as out-sourcing
which affect the statistical middle class
Mahaffy/ The Setup

Chapter 10

Beware of the Scams

One of the worst problems we have is being taken in by the

scammers so if you understand how they work you can better

guard yourself, your family and your friends. This I must say in

my opinion has been one of the most heart breaking things to have

happen in America to the elderly and the unlearned. Scammers

systematically design a simple play to show one person what he is

suppose to have in dollars on paper. He will then show you with

beautifully designed graphs and pictures how your money will

grow if you give them your money. Most of the time, they promise

6 months to 24 months of increased wealth. After you are

convinced to give them your money they will encourage you to

confidentially tell other about this wonderful new plan. Next, you

will begin receiving statements saying; the money you invested has

grown to a certain amount, surely enough to get you excited. Two

things happen you may be given an opportunity to invest more

money to increase your future portfolio also; you will want to

share this information with your close friends. Some scammers

never pay out anything just send statements of increase monies into

your accounts while other simply pay you some monies when you

request from your friends invested money. The greatest example

of a scam being used today of the scam being used today will be

broken down on the following pages in this chapter. Many elderly

retired individuals 70 – 90 years old now have to return to the

workforce after loosing all of the money they worked and save for

their futures. Now you will find them as elderly door greeters and

more trying to live on the pay check to pay check system. Poor

souls trusted the scammers;

Ponzi scheme

From Wikipedia, the free encyclopedia

1910 police mugshot of Charles Ponzi.

A Ponzi scheme is a fraudulent investment operation that pays

returns to separate investors from their own money or money paid
by subsequent investors, rather than from any actual profit earned.
The Ponzi scheme usually entices new investors by offering
returns other investments cannot guarantee, in the form of short-
term returns that are either abnormally high or unusually
consistent. The perpetuation of the returns that a Ponzi scheme
advertises and pays requires an ever-increasing flow of money
from investors to keep the scheme going.
The system is destined to collapse because the earnings, if any, are
less than the payments to investors. Usually, the scheme is
interrupted by legal authorities before it collapses because a Ponzi
scheme is suspected or because the promoter is selling unregistered
securities. As more investors become involved, the likelihood of
the scheme coming to the attention of authorities increases. While
the system eventually will collapse under its own weight, the
example of Bernard Madoff illustrates the ability of a Ponzi
scheme to delude both individual and institutional investors as well
as securities authorities for long periods: Madoff's variant of the
Ponzi Scheme stands as the largest financial investor fraud in
history committed by a single person. Prosecutors estimate losses
at Madoff's hand totalling $64.8 billion.
The scheme is named after Charles Ponzi, who became notorious
for using the technique in early 1920. He had emigrated from Italy
to the United States in 1903. Ponzi did not invent the scheme
(Charles Dickens' 1857 novel Little Dorrit described such a
scheme decades before Ponzi was born, for example), but his
operation took in so much money that it was the first to become
known throughout the United States. His original scheme was in
theory based on arbitraging international reply coupons for postage
stamps, but soon diverted investors' money to support payments to
earlier investors and Ponzi's personal wealth.
Knowingly entering a Ponzi scheme, even at the last round of the
scheme, can be rational economically if government bails out those
participating in the Ponzi scheme. However, Ponzi schemes cannot
last forever.
Hypothetical example
Suppose an advertisement is placed that promises extraordinary
returns on an investment — for example, 20 percent on a 30-day
contract. The objective is usually to deceive laymen who have no
in-depth knowledge of finance or financial jargon. Verbal
constructions that sound impressive but are essentially meaningless
will be used to dazzle investors: terms such as "hedge futures
trading," "high-yield investment programs," "offshore investment"
might be used. The promoter will then proceed to sell stakes to
investors — who are essentially victims of a confidence trick — by
taking advantage of a lack of investor knowledge or competence.
Claims of a "proprietary" investment strategy, which must be kept
secret to ensure competitive edge, may also be used to hide the
nature of the scheme.
Without the benefit of precedent or objective prior information
about the investment, only a few investors are tempted, usually for
small sums. Thirty days later, the investor receives the original
capital plus the 20 percent return. At this point, the investor will
have more incentive to put in additional money and, as word
begins to spread, other investors grab the "opportunity" to
participate, leading to a cascade effect deriving from the promise
of extraordinary returns. However, the "return" to the initial
investors is being paid out of the investments of new entrants, and
not out of profits.
One reason that the scheme initially works so well is that early
investors — those who actually got paid the large returns —
commonly reinvest their money in the scheme (it does, after all,
pay out much better than any alternative investment). Thus, those
running the scheme do not actually have to pay out very much
(net)—they simply have to send statements to investors showing
them how much they earned by keeping the money, maintaining
the deception that the scheme is a fund with high returns.
Promoters also try to minimize withdrawals by offering new plans
to investors, often where money is frozen for a longer period of
time, in exchange for higher returns. The promoter sees new cash
flows as investors are told they could not transfer money from the
first plan to the second. If a few investors do wish to withdraw
their money in accordance with the terms allowed, the requests are
usually promptly processed, which gives the illusion to all other
investors that the fund is solvent.
This simplistic notion of the Ponzi scheme is typically embellished
with several (or many) feints that help prove seeming legitimacy to
the ruse. For example, Madoff famously refused some investors'
money, even when they begged him to take it. To an outside
observer, these sorts of often high-profile "exclusivity" acts tend to
discredit doubts — if it was a fraud, why would Madoff refuse
more cash? Such illusions of normal business-as-usual reinforce a
Ponzi scheme as a real investment.
The ultimate unraveling of a Ponzi scheme

The catch is that at some point one of these things will happen:
1. The promoter will vanish, taking all the remaining investment
money (minus the payouts to investors) with them.
2. The scheme will collapse under its own weight as investment
slows and the promoter starts having problems paying out the
promised returns (the higher the returns, the greater the chance
of the Ponzi scheme collapsing). Such liquidity crises often
trigger panics, as more people start asking for their money,
similar to a bank run.
3. The scheme is exposed because the promoter fails to validate
the claims when asked to do so by legal authorities.
4. External market forces, such as a sharp decline in the economy
(e.g. Madoff and the market downturn of 2008), will cause many
investors to withdraw part or all of their funds not due (at least
initially) to loss of confidence in the investment, but simply due
to underlying market fundamentals. In the case of Madoff, the
fund could no longer appear normal after investors tried to
withdraw $7 billion from the firm in late 2008 as part of the
major worldwide market downturn affecting all investments.
Similar schemes

 A pyramid scheme is a form of fraud similar in some ways to a

Ponzi scheme, relying as it does on a mistaken belief in a
nonexistent financial reality, including the hope of an extremely
high rate of return. However, several characteristics distinguish
these schemes from Ponzi schemes:
o In a Ponzi scheme, the schemer acts as a "hub" for the
victims, interacting with all of them directly. In a
pyramid scheme, those who recruit additional
participants benefit directly. (In fact, failure to recruit
typically means no investment return.)
o A Ponzi scheme claims to rely on some esoteric
investment approach (insider connections, etc.) and
often attracts well-to-do investors; whereas pyramid
schemes explicitly claim that new money will be the
source of payout for the initial investments.
o A pyramid scheme is bound to collapse much faster
because it requires exponential increases in participants
to sustain it. By contrast, Ponzi schemes can survive
simply by persuading most existing participants to
"reinvest" their money, with a relatively small number
of new participants.
 A bubble: A bubble relies on the willing suspension of disbelief
and an unrealistic expectation of large profits, but it is not the
same as a Ponzi scheme. A bubble involves ever-rising (and
unsustainable) prices in an open market (be that shares of a
stock, housing prices, the price of tulip bulbs, or anything else).
As long as buyers are willing to pay ever-increasing prices,
sellers can get out with a profit, and there doesn't need to be a
schemer behind a bubble. (In fact, a bubble can arise without
any fraud at all — for example, housing prices in a local market
that rise sharply but eventually drop sharply because of
overbuilding.) Bubbles are often said to be based on the
"greater fool" theory. Although, according to the Austrian
Business Cycle Theory, bubbles are caused by expanding the
money supply beyond what genuine capital investment
supports, and in this case would qualify as a Ponzi scheme, with
expanded credit taking the place of an expanded pool of
 "Robbing Peter to pay Paul": When debts are due and the
money to pay them is lacking, whether because of bad luck or
deliberate theft, debtors often make their payments by
borrowing or stealing from other investors they have. It does
not follow that this is a Ponzi scheme, because from the basic
facts set out there is no indication that the lenders were
promised unrealistically high rates of return via claims of
unusual financial investments. Nor (from these basic facts) is
there any indication that the borrower (banker) is progressively
increasing the amount of borrowing ("investing") to cover
payments to initial investors.

There are a lot of resources to better help us all understand how to

avoid the scammers. www.CNBC.com American Greed.

So, if the dollar isn’t really a dollar, it takes at least three dollars to give
to you the spending value of a dollar, who can afford these types of
Mahaffy/ The Setup


I want to hear from you!

As you know by now I have been a very busy woman however,

many will tell you I’d rather speak with you than write so, feel free

to contact me for a motivational seminar, consultation, personal

one-on-one or to attend one of my Clear Channel Advertising

Workshops at (504) 939-2866, WRITE ME: Darnetta Mahaffy, P O

BOX 955, Garyville, LA 70051 or email me at


Have a Blessed Life!