Professional Documents
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ISBN 978-1-329-56758-0
ACKNOWLEDGMENTS
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.
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
Written by
Table of Contents
ACKNOWLEDGEMENTS
INTRODUCTION
CHAPTERS
2. THREE TO ONE
7. NO LOOKING BACK
CONCLUSION
Introduction
like what I was told was a dollar bill. When I felt the texture it felt
like Your Very Own Dollar”! Well, right then and there the seed
though my face was not on the dollar bill still, I referred to my first
pay to get the dollar I had already paid to earn. So, that was the
dollar I could not bring that dollar home because, I had to pay for
personal experience with money and the true anatomy of the dollar
bill in the United States of America. First of all the dollar really
“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
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
this book you will find out the shocking truth if you were born
whether or not you and/or your family will ever get ahead in this
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
the twenty five to thirty three percent take home pay we are given
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
Chapter 1
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
you will teach to your entire family young and old these value concepts
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
many dollars taken out no, not by my employer but other government
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.
21% (social
charges) 19.6%/5.5% on
33.33% 45% certain goods (e.g.
France 0-50% food)
(income
tax)
35% 5-55% 2.6% 18%
Gabon
19%/7% on certain
29.8% (average) 0-45%
Germany goods (e.g. food)
15% 20% 18%
Georgia[2]
33% 17-40% N/A
Gibraltar
19%-9% certain
22/25% 0-40%
Greece goods
20%
0-13.2%
13-25% 3.6/2.4/7.6%
Switzerland [2] (federal)
0-35%
15-39%
(federal) 15.3% 0-10.25% (state
United (federal)
0-10.3% (federal) and local)
States[30][31][32][33][34] 0-12% (state)
(state)
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
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
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
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
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
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
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
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
Chapter 3
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
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
tree our purpose may be limited but, the fruit on the tree may be
“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
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
YOUR OWN BUSINESS” yes your pay is what should have been
the resource for your own business. The fruit of your Business is
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
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
cents alone. So, stop throwing away you seeds, place more value
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
Chapter 4
Now this is very simple, start with today date, estimate your
$_______________________
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Chapter 5
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
bonus pay one additional note at that time and in the memo of that
This mortgage paying process will place you back into the driver’s
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
for your records and keep your statement to match your records.
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
pay down the balance but constantly your finance charge will
apply.
Late payments are the greedy little worms. Try to never have
more than you present income then what will happen at death for
even a million. You the see the objective here is to be able to pay
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
Chapter 6
over your life; if you are reading this little book you must realize
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
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
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
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
with this knowledge, the same GOD who was with the children of
bondage and cross them over the Red Sea on dry land, rain manna
trust yes, too is has been said we must learn to trust him even when
only desire was to bring to a hurting generation that God has not
made slaves and by the same token man continue to deceive but,
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;
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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
Chapter 7
No Looking Back
matter who you are we were all “Born Into A Setup” why, do not
country of ours we will never truly own anything so, the only
yes, it is your no matter how long you paid for it, got the deed or
Business”. Yes, after all that yes inspirational talk I said; learn to
mind your own business. You see where me made our first mistake
business. First of all don’t have too much pride and certainly, do
can to mink you own business. Simply go online, read books, ask
those who wait to see what is going to happen and those who
Also, find out what benefits come with being a business owner.
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.
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
anyway just make some sense (CENTS). You see it really wasn’t
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
Now when you start you new businesses remember to budget for
family dinner to start off but, who’s to say; perhaps you’re being
You see the people who always get the most or really the ones
number of completion. Yes put the pass behind and look ahead.
You see in New Orleans I have always seen the mules in the
why. It was so that they would look straight ahead so, be like the
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
Simple!
Chapter 8
I wanted to keep this little book simple so that you will consider
“Education”. She truly trust the Lord and she tried to teach us the
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
School I would be the one child not likely to succeed so, what
would never marry or ever have children because there was just to
much pain involved boy, was I wrong about that and right about
First child born three pounds, fifteen ounces then eights years later
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
in the shopping center where I leave. As time went own I have had
spirit that your lives may be enriched. I just want to let you know
bigger the company the bigger the problem. So, whether which
ever all of these problems are great problems to have because, this
You actually determine just how much “USAGE” you will have in
Chapter 9
Are you a member of the “OTHER CLASS”? You might ask who
OTHER CLASS does not fit into quote “the middle/lower class”
http://www.wikipedia.org )
;
—Brian K. William, Stacy C. Sawyer and Carl M. Wahlstrom, Marriages, Families &
Intimate Relationships, 2006 (Adapted from Dennis Gilbert 1997; and Joseph Kahl
1993)
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
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
grow if you give them your money. Most of the time, they promise
confidentially tell other about this wonderful new plan. Next, you
will begin receiving statements saying; the money you invested has
never pay out anything just send statements of increase monies into
your accounts while other simply pay you some monies when you
of a scam being used today of the scam being used today will be
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
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
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
scams?
BEWARE! BEWARE!
Mahaffy/ The Setup
Conclusion
many will tell you I’d rather speak with you than write so, feel free
darnettamahaffy@gmail.com