Sunday, October 30, 2011

The Unusual SDI Industry Born of a Need

By Tom J. Kennedy

The exciting explosion in the popular SDI (Self Directed Income) sales and marketing industry is causing a re-birth of entrepreneurism and may be helping to secure our freedoms for our youth as it provides a platform for promoting and fostering unfettered free enterpriseto the masses of usually, uniformed people.

This unusual concept of sales and marketing which was born in the mid-20th Century was first referred to as multi-level marketing, a little later it was called network marketing. As this sales and marketing industry evolved some companies created new names to distinguish themselves as being different such as referral marketing and consumer direct marketing.

In the late 1990's, some experienced network marketing distributors decided that new language was needed to leave behind much of the negativity that had tainted the multi-level or network marketing industry during the latter years of the 20th Century. Consequently, it was decided that the phrase Self Directed Income (SDI) Industry would be used to describe independently owned and operated, home-based enterprises that did not rely on employees. The SDI Industry includes all kinds of direct sales and marketing business opportunities such as multi-level, network, referral and consumer direct marketing.

Dr. Forrest Shaklee (Shaklee Corporation) and Rich DeVoss and Jay VanAndel (Amway Corporation) as well as Mary Kay (Mary Kay Cosmetics Corporation) were the respected pioneers of this innovative, sales and marketing strategy. As young entrepreneurs, they were perceptive enough to know that it takes something new ... something different ... something exciting ... and something unusual to put and keep excitement in people's lives dulled by daily routines.

Now in 2011, numerous SDI, sales and marketing companies offer entrepreneurs (and becoming entrepreneurs) unusual business opportunities to earn solid sources of secondary income(s) because pioneering SDI entrepreneurs dared to be unusually different in the 1950's and 1960's. As we progress into this 21st Century, the direct selling industry strengthened by the unusual, SDI sector of sales and marketing is surpassing the growth rate of the traditional but weakening, retail store industry.

The business world - past, present or future - never has and likely never will witness a sales and marketing strategy even remotely comparable to the unusual birth and growth of the various, successful models of this mutually-beneficial and well-positioned industry where true power is blended from both the top and the bottom of the respective pyramidal structures.

Consider that the "home office" SDI company distributes products and/or services down the pyramid and we - the SDI entrepreneurs - give the "home office" SDI company power from the bottom when we purchase and market any of the selected products and/or services. In summary, value flows down the pyramidal structure and in response, power flows up the pyramidal structure. When the ratio of value to power is distorted - any pyramidal-shaped structure is destined to collapse.

Like an electrical current running through the faltering and failing economic system of usury-based, debt money, the SDI industry offers business opportunities that rejeuvenate, regenerate, restore and give a new lease on life to countless debtors who have been suffering from financial oppression by the “usury elites” - the influential and wealthy one percent of the population, to whom we have voluntarily surrendered our individual leadership and power.

While it is commonly agreed that the "home office" of the Amway Corporation in Ada, Michigan led the way with this innovative, sales and marketing strategy during the 1960's, 1970's and 1980's, since then, numerous other eager entrepreneurs have surfaced and are venturing into the blossoming world of the SDI industry and setting up new and improved copies of the original SDI sales and marketing models. Each participating "home office" company in the SDI industry usually offers exclusive lines of products and/or services to the retail market through networks or teams of SDI entrepreneurs who indirectly wholesale to their personally and group enrolled SDI entrepreneurs while directly retailing to a select, few, retail customers.

Most SDI entrepreneurs run their enterprise (part-time or full time) from an office in their home. Indeed, the SDI industry was born of the unusual need for part-time, sceondary income(s) by people from all walks of life. SDI networks or teams offer individuals lucrative, business opportunities with all the usual, tax benefits (and some unusual benefits) of out-of-reach businesses as well as unlimited, worldwide, growth potential.

An independent, SDI enterprise grows in an unusual fashion as part of a team or network. People (singles, couples or business partnerships) must be enrolled (sponsored) by a previously enrolled, SDI entrepreneur who is now operating a bonafide, SDI enterprise of his/her own. Each newly enrolled SDI entrepreneur is authorized to purchase products and/or services at discount (wholesale) prices from the "home office" SDI company. They commonly retail some of these products and/or services to a small number of preferred customers and/or otherwise consume these products for personal, family or business needs.

During the 20th Century, it was common for an already enrolled SDI entrepreneur to order extra products to have a supply on hand as immediate inventory. Now, in this 21st Century, given the ease of modern technology, SDI entrepreneurs are no longer required to carry any inventory as each newly enrolled, SDI entrepreneur is commonly assigned a replicating website and a back office with wholesale, ordering privileges. Their preferred, retail customers are invited to order directly from the website by clicking on the "shopping cart" icon, thereby eliminating the need for SDI entrepreneurs to invest in a large inventory.

Those SDI entrepreneurs who choose to build a bigger and more profitable enterprise, prospect and enrol other would-be-entrepreneurs and teach them to multiply and duplicate their efforts. Indeed, multiple thousands of SDI entrepreneurs are building profitable enterprises that are continually growing through multiplication and duplication of individual effort.

The SDI industry offers unique and innovative business opportunities with an initial investment that is often less than $500. (Canadian Funds). Such a low investment, start-up opens the door in almost every country of the free world, so that every man, woman, youth (over 18) who wants to become an SDI entrepreneur and run an independent enterprise of their own - can do so but not be alone.

Additionally, by way of the vehicle of the SDI industry, the masses are being offered a unique opportunity to learn much about economics and human nature that formal education neglects to teach. Many SDI entrepreneurs are evolving through personal growth and recognizing that it has been their ignorance and apathy that has allowed "monopoly capitalism" to infiltrate and out-muscle "free enterprise" in its purest form. Some leadership teams of SDI entrepreneurs are offering workshops/seminars to teach their participating members the “truth” about modern money creation - such unusual topics are not taught within our walls of formal education.

Learning about real-life, economic experiences of active, SDI entrepreneurs and blending this information with some additional, researched material about modern money creation enlightens people to be more fully aware of each one of us can do to accelerate the shifting, economic paradigm. In addition to this essential, background information, fixing a possible dream, setting a goal and working hard are still the essential pre-requisites, for success as an SDI entrepreneur.

SDI entrepreneurs seek to free themselves from the usual, financial worries so that they can be at ease as they assume unusual, leadership roles in the ongoing, information war to take our country back from the one percenters.

The ninety-nine percenters began their crusade to take our country back from the one percenters with the launch of “Occupy Wall Street” on September 17th, 2011. Hopefully, many of these ninety-nine percenters will discover the SDI industry as they search for timely solutions to take our country back from the one percenters.

During the transition period - that time when one is learning to shift from an employee mentality to an entrepreneurial mind-set - a process of awareness takes place as experienced SDI entrepreneurs expose newcomers to the pscyhological realm of self-image and self respect - two necessary qualities required to succeed as an SDI entrepreneur.

With its multiple missions, this giant but seemingly unknown, SDI industry may well be the ultimate saviour of free enterprise and the catalyst that will eventually crush "monopoly capitalism" as deviously engineered by the one percenters and ultimately play a key role in preserving our ultimate freedoms.

Some of the one percenters (the people currently in power) are very uncomfortable with the unprecedented growth of this bold, new, free enterprise movement - the SDI industry. Some militant labour union leaders, some politicians, some government bureaucrats, and some corporate executives of the capitalist monopolies are unusually critical and skeptical of the SDI industry.

Are the SDI entrepreneurs being targeted and criticized for re-educating the ninety-nine percenters on the simple issues of economics which are usually presented as being unusually complex by governments, labour unions and big corporations - the wealthy one percenters in power who have been plundering the masses by maximizing their selfish and greedy agendas? Indeed, the SDI industry is well positioned to take a leading role in re-educating those who are ready and willing to be re-educated.

As in previous years, the UsuryFree Network has designated November 13th to 19th, 2011, as the Seventh Annual UsuryFree Week. A number of functions will be scheduled to focus on the miserable failings of our orthodox, economic system of usury-based, debt money and the triumphant successes of the usuryfree, community currency movement.

SDI entrepreneurs are particularly well-positioned to play a key role in helping to usher in new economic models as they have access to prodeucts and/or services at wholesalse prices. These products and/or services can be marketed to consumers and the buyers can negotiate trades or exchanges whereby they use a portion of any usuryfree community currency in combination with a percentage of federal cash to complete their transactions.

SDI entrepreneurs (everywhere) are cordially invited to attend and participate at any of these events. It is important for SDI entrepreneurs to "learn what they don't know they don't know" so that they will be re-educated and prepared to share any new knowledge with their respective teams/networks of active, SDI entrepreneurs.

Any readers interested in further details about the "Seventh Annual UsuryFree Day & Week" are invited to search at any search engine for such words or phrases as: "usuryfree day," "usuryfree week," "Seventh Annual UsuryFree Day & Week."

Tuesday, October 25, 2011

New Language, Great Names and Unknown Names in the SDI Industry

Permit me to clarify the evolution of words and phrases that are applicable to this growing and popular industry of home-based enterprises. The pioneers who launched the initial home-based enterprises in the mid-20th Century commonly referred to this budding sales and marketing industry as multi-level marketing. During the latter years of the 20th Century, the majority of the home-based entrepreneurs who were operating part-time and/or full time enterprises chose to refer to the evolving industry of home-based enterprises as network marketing.

The term "referral marketing" was used by some people to describe this marketing model and one particular company that was founded in the 1980's chose to use the term "consumer direct marketing" so as to distance itself from the negativity associated with multi-level or network marketing.

However, during the latter years of the 20th Century, the majority of the home-based entrepreneurs who were operating part-time and/or full time enterprises chose to refer to the evolving industry of home-based enterprises as "network marketing" while others preferred the terms "consumer direct marketing" or "referral marketing."

Around the turn of the Century, a group of experienced network marketing distributors elected to create some new language (words and phrases) for the ever-expanding network marketing industry, thereby leaving behind and previous, negative associations or experiences associated with the multi-level and/or network marketing industry during its birthing years of the 20th Century. The phrase (SDI) Self Directed Income industry was crafted to describe any home-based, owner-operated enterprise (part-time or full time) - thereby including multi-level marketing, network marketing as well as other more
conventional, direct sales marketing concepts.

Other words were crafted to enhance the growth and development of the SDI industry. For example, since "upline" denotes power over "downline" the words "team" or "network' are recommended. The words "enrolled with" are preferred to previous words such as "recruited by" or "sponsored under." To be "enrolled with" another SDI entrepreneur is more empowering for any new enrollee, than to be "sponsored under" another SDI entrepreneur.

Now, as we progress into this 21st Century, the phrase SDI industry is becoming the phrase of choice to describe any home-based, sales and marketing enterprise. It is now not uncommon for an SDI entrepreneur to have an SDI Portfolio whereby s/he earns income(s) from more than one source - given the variety of online SDI opportunties that can function with the innovative tools of social networking.

Our exponentially expanding world of SDI entrepreneurs has a history of being impressed by "great names" or "big names" who join a particular SDI opportunity or who otherwise support or endorse a selected SDI opportunity. To drop a "big name" to our prospects or to our "team depth" has commonly been a status symbol among active, SDI entrepreneurs both at the fringe and at the higher levels of achievement.

While some observers consider "name dropping" as nothing more than petty manoeuvering within the SDI industry, others beyond the SDI industry, accept that the action of "name dropping" demonstrates a learned belief common to all persons under 18, over 85, or somewhere in between. In any case, it seems that names are of the utmost importance to SDI leadership teams as well as potential prospects. Indeed, countless thousands of competing, SDI entrepreneurs continue to feel the need to drop the "big names" enrolled with their particular organization or team.

Historically, one of the biggest names of all in the SDI industry during the 20th Century was Dexter Yager - whose Amway empire - at one time in the early 1980's, was probably the largest (though not necessarily the most profitable) SDI organization in the world. Another current "big name" in the SDI industry is Ed Bestoso who is commonly referred to as "Melaleuca's most succesful Marketing Executive and only Corporate Director VI."

When Dexter Yager, at his prime as an active, SDI entrepreneur, summoned an Amway distributor to an audience with him, it was almost certain that the person would respond and make special arrangements to be present at the appointed time. Even if the requested meeting was to be scheduled at a very inopportune time, the average Amway distributor would re-arrange his/her schedule so as to be present when the "guru" of the SDI industry spoke. Likewise, now in 2011, when Ed Bestoso
summons a Melaleuca distributor to an audience with him, it almost certain that the Melaleuca distributor would make a great effort to be present.

As I recall, in the early 1980's, these same Amway distributors - many of them personal friends or acquaintances - were very unco-operative indeed, when LEADS hosted a seminar with an "unknown name" as a guest speaker. It did not seem to matter that the "unknown name" has very significant information to share - if it was not coming from a "big name" in the particular SDI organization of Amway distributors - it was not considered as important.

Since 2000, the UsuryFree Network has hosted a number of meetings/gatherings with so-called "unknown names" as guest speakers on timely topics relevant to our worsening, economic crisis and numerous SDI entrepreneurs have been invited to attend BUT until the present, few have bothered to attend. The difference - a name - that is all.

Names, by tradition, apparently do make a difference in the SDI industry and otherwise. The significance of a name, especially in the SDI industry, cannot be over-estimated at this critical time when competing SDI companies are making great gains with the unsponsored millions.

In many of the seasoned, SDI networks, names commonly had a tremendous significance. It has been suggested that a new enrollee within the Amway organizations who did not quickly understand the significance of names of higher level achievers in Amway, never did gain a basic understanding of the proven, Amway marketing plan.

As the SDI industry continues to evolve, grow and expand with numemrous competitors, the "big name" of a high achiever is often used with unique offensive (or is it defensive) power. The really good news is that "unknown names" are now commanding respect and a significant following because of their unique knowledge of "co-operative enterprise" and "real-life experiences" whereby evidence shows that the "generosity factor" is outweighing the "greed factor." It is noteworthy that the "greed factor" is commonly identified as the key reason for much of the negativity formerly associated with the network marketing industry of the latter years of the 20th Century.

Rich Joyal, ( a so-called "unknown name," is a dedicated and experienced SDI entrepreneur who is building an SDI Portfolio with income(s) from more than one source. I know that Rich has at least two (maybe more) SDI opportunities in his SDI Portfolio. One is Youngevity which markets an abundance of health and wellness products, and the other is BonVoyage Elite which markets an innovative travel membership. Rich is on my team with both of these SDI opportunities, so the above listed links are mutually beneficial.

I have observed that Rich consistently reaches out to share his co-operative spirit with prospective and active, SDI entrepreneurs - whether or not they are directly enrolled in his particular SDI network and therefore, I have enrolled with him in these two SDI opportunities and the above listed links go directly to my replicating websites - within Rich Joyal's networking team.

This idea of co-operating with other SDI entrepreneurs who in fact may be considered as "competitors" is unique indeed, however, there is much, mutual benefit to gain when like-minded, SDI entrepreneurs embrace the co-operative spirit, rather than selfishly hanging on to what they think is the competitive edge.

While I do not deny that using Dexter Yager's name in the 1980's made things happen at that time for the various Amway organizations, I am very pleased that more and more "unknown names" are making innovative and exciting things happen with people who had previously been turned off the SDI industry by their costly experiences as multi-level marketers or network marketers - mostly victims of the "greed factor." In addition, the unsponsored millions are intrigued and motivated when they learn about the evolving SDI industry and the benefits of free enterprisers co-operating for mutual gain.

In the final analysis, it does not matter whether you are a "big name" or a "great name" or an "unknown name," it matters only that as an active, free enterpriser you NEVER knock the competition. Instead, study the competition and consider carefully the advantages of either buying a competitors products and/or services or of adding other exclusive, quality products and/or services to your present SDI Portfolio. Ask your team leaders questions and then question their answers. Blend the best of the best.

Know that "unknown names" today will become "great names" tomorrow. Remember that your "prospects" and your "team depth" know you personally as a freedom loving, free enterpriser. Let it be known also that they only learn the "great names" through your experience and knowledge as an "unknown name."

We invite readers to frequent the blog - The SDI Eye Opener - so that you will acquire sufficient knowledge to metamorphosize from an "unknown name" to a "great name" in an unconventional manner.

Wednesday, October 12, 2011

Occupy Your Mind - A Personal Strategy For Usury Evasion

Occupy Wall Street began in mid-September, triggered by prompting from Adbusters. A few hundred protestors gather in New York City in the proximity of Wall Street, to complain about our orthodox, financial system and how it breeds "corporate greed" and ballooning "corporate profits." One of their chants or mantras is: "We have to stop being a debt economy and go back to being a production economy." Since September 17th, the Occupy Wall Street movement has grown and expanded far beyond Wall Street to Y'all Streets in numerous cities all across North America and elsewhere on this planet.

In fact, North America has lost its production economy because of the design flaw of usury and how it directly and/or indirectly affects every product purchased by consumers - whether it be a hair pin or an airplane. Few people really understand that it is because of our usury-based, debt money system that the majority of the trans-national corporations have moved their production facilities to Asia or elsewhere in the third world where they can exploit labourers, pay them minimal wages and earn more profits for the corporation and its shareholders.

Indeed, the ultimate problem is not debt, rather it is the growth of debt - which is caused by the design flaw of usury. Though greed and excess by governments and the giant, trans-national corporations are symptoms, the root cause of the ever-worsening, economic debacle of debtors (individuals, families, small to medium-sized businesses, corporations, institutions and countries) everywhere is revealed as usury - but this is unknown to 99% of the protestors who chant: "We are the 99%, we will no longer remain silent."

The phenomenon of the growth of debt is caused by the evil and immoral effects of the design flaw of usury. The negative stigma surrounding burgeoning debt is leading many debtors to commit the ultimate gesture of despair - suicide. The stark truth is that debtors are becoming devastated by the negative impact of "interest" - which ought to be correctly called "usury."

Recent statistics reveal 4000+ suicides annually in Canada. The highest percentage of these suicides are committed by males (debtors) who range in age from 40 to 50 years.Their desperate acts of suicide are often financiallly motivated and their actions inflict even more pain and suffering on the loved ones they leave behind.

The economic crisis the Occupy Wall Street movement is bringing into focus cannot be understated, nor can we overstate the necessity of offering proven and workable solutions to solve the inter-connected problems of war, violence, poverty, scarcity and lack - all associated either directly and/or indirectly with the design flaw of usury.

Occupy Wall Street is a vehicle motivating people (debtors) to action. A personal strategy of we-the-people learning how to crete and spend our own usuryfree community currency, must be introduced and implemented by desperate debtors as they seek workable and proven solutions for temporary, usury prevention and ultimately absolute, usury evasion. What is needed with this personal strategy is a re-education process that promotes self-imposed courses of study on topics that formal education neglects to teach,

While Occupying Wall Street or any other streets, debtors are encouraged to "Occupy Your Mind" with the truth about modern money creation and the problems associated with "usury" and add some solution-oriented knowledge and resources about entrepreneurism - the SDI (Self Directed Income) style where they can learn about co-operative networking to earn secondary sources of income(s).

A good starting point is for debtors to familiarize themselves with the twin blogs: (a) The UsuryFree Eye Opener and (b) The SDI Eye Opener.

Ultimately, for suicide rates to be halted and for something positive to evolve from the Occupy Wall Street movement, usury nust be studied, assessed, exposed and abolished. The abolition of usury begins with a nod to the possibility of usuryfree living in this incarnation. Previously, there was "Life Without Usury" and we can experience "UsuryFree Living" again in this 21st Century.

Hopefully, the Occupy Wall Street movement will motivate protestors (debtors) to explore trends that can expand their understanding of their legal right to "evade usury" and "avoid taxes." With sufficient new knowledge, the majority of debtors will be motivated to become active, usuryfree creatives who double as enthusiastic, SDI entrepreneurs.

So "Occupy Your Mind" and commence your personal strategy for temporary, usury prevention and eventual usury evasion. Readers seeking relevant resources are invited to contact: The UsuryFree Network, P. O. Box 9333, Ottawa, Ontario K1G 3V1, or send an email to with "Occupy Your Mind:" in the Subject line - or leave telephone message at this number: 1.888. NOUSURY

NOTE: Here is a good article from The Globe and Mail:
"This is what democracy looks like: Occupying Wall Street and Bay Street"

Tony Hsieh – Don’t Network, Build Relationships

From Jonathan Kennedy's blog:

Jonathan writes:

"I say that I read a lot of books but the truth is, I really only ”start” many. I have a passion for sports, business and the web so rarely does my choice of books go beyond those topics. I’ve made efforts to read more fiction but I never get through 30 pages, unless the book somehow relates to an entrepreneur or a sports setting.

I’ve been the busiest I have ever been since landing in Cebu, but still finding time to browse books and read here and there. I’ve had my eye on Tony Hsieh’s book ”Delivering Happiness” for almost a year but it was just another book on the list. Tony Hsieh is the CEO of Zappos, which sold to Amazon for a vulgar amount of cash. I came across the book at a local book store and picked it up for under $10.

The timing on this read is impeccable – I won’t ruin the book for anyone, but if you have ever dreamed of being an entrepreneur and authoring your own life experiences, Tony details the most important (and the most trying) parts of his personal development and the growth of his companies.

Chapter after chapter – he seems to be hitting home with his stories, making me truly open to his advice. The fact that he has experienced many of the same types of setbacks that we are currently living as a small startup is reassuring, knowing where he has ended up.

Here is an excerpt from the book – "On Networking."

From Delivering Happiness: A Path to Passion, Profits and Purpose by Tony Hsieh

"I personally really dislike “business networking” events. At almost every one of these events, it seems like the goal is to walk around and find people to trade business cards with, with the hope of meeting someone who can help you out in business and in exchange you can help that person out somehow. I generally try to avoid those types of events, and I rarely carry any business cards around with me.

Instead, I really prefer to focus on just building relationships and getting to know people as just people, regardless of their position in the business world or even if they’re not from the business world. I believe that there’s something interesting about anyone and everyone — you just have to figure out what that something is. If anything, I’ve found that it’s more interesting to build relationships with people that are not in the business world because they almost always can offer unique perspectives and insights, and also because those relationships tend to be more genuine.

If you are able to figure out how to be truly interested in someone you meet, with the goal of building up a friendship instead of trying to get something out of that person, the funny thing is that almost always, something happens later down the line that ends up benefiting either your business or yourself personally.

I don’t really know why this happens or why it works, but it seems that the benefit from getting to know someone on a personal level usually happens 2-3 years after you started working on building the relationship. And it’s usually something that you could not have possibly predicted would have happened at the beginning of the relationship. For example, maybe your friend’s sister’s neighbor was just hired as the VP of a company that you’ve been trying to get in touch with, or maybe someone you met 2 years ago now has a new tennis partner who would be the perfect person for that job opening you’ve been trying to fill for the past 6 months. has been around for over 10 years now. We grew from no sales in 1999 to over $1 billion in gross merchandise sales in 2008. In looking back at the major turning points in the history of the company, it seems that most of them were the result of pure luck. Things happened that we could not have possibly predicted, but they were the result of relationships that we had started building 2-3 years earlier.

So my advice is to stop trying to “network” in the traditional business sense, and instead just try to build up the number and depth of your friendships, where the friendship itself is its own reward. The more diverse your set of friendships are, the more likely you’ll derive both personal and business benefits from your friendships later down the road. You won’t know exactly what those benefits will be, but if your friendships are genuine, those benefits will magically appear 2-3 years later down the road." (snip) ...

This article is originally posted at this website:

Tuesday, October 11, 2011

Co-operation Through Collaboration With Compensation

By Tom J. Kennedy

The usuryfree lifestyle rejects competition and collusion and promotes a new model of innovative co-operation through collaboration with compensation - within the SDI (Self Directed Income) industry.

While fostering free enterprise, we - the SDI entrepreneurs - must raise the level of professionalism in the SDI industry by re-educating novice and seasoned, SDI entrepreneurs about modern money creation and its lies, deceits and deceptions.

We must strive to shift the consciousness of the debtors so that "usuryfree living" becomes just as mainstream as "living with usury" is and has been throughout the centuries.

Indeed, it is time to create our own loyal database of SDI entrepreneurs who double as usuryfree creatives. We-the-people must learn how to negotiate trades/exchanges of our skills, talents, products and/or services so that all who choose to participate can reap the mutual benefits. By so doing we can supplement our diminishing amounts of usury-based, debt money and focus on paying off any outstanding debts as it is the growth of the debt that causes the severe, economic pain.

In the process, re-education can be offered on a variety of topics such as health and wellness, alternative energy, spirituality, etc.

How do we start to grow this loyal database of like-minded thinkers? The process is underway - choose an SDI opportunity as a starting point and begin to build an online, databse of usuryfree creatives who double as SDI entrepreneurs.

Learn more about the SDI Industry by reading some of the articles posted at The SDI Eye Opener and/or send an email to: with "SDI Industry" in the Subject line.

Becoming FREE of Usury Terrorists

By Tom J. Kennedy

The voice of usuryfree creatives who reject usury and their (the usurers') New World Order, so far has been sorely missing from the ongoing demonstrations about "Occupy Wall Street." Most people do not realize that the cutbacks and the ever-present shortage of funds can be directly and/or indirectly attributed to the design flaw of usury and its evil and immoral effects on debtors everywhere.

The awakening of the masses may help to shatter the silence about the lies, deceit and deception about modern money creation. Currently, we are hearing from countless middle-class Americans and Canadians like myself and my family.

The awakened ones are rejecting the erosion of freedom and the intrusion of the police state. They are sick and tired of being over-taxed while the exacting of usury and payments of rising taxes diminish their monthly earnings. They are sick and tired of usury and usurious service charges on their debit cards and credit cards - thereby creating record profits for banking corporations.

They are sick and tired of the relentless attempts by Big Brother to shore up their cash by instilling fear in merchants so that they are afraid to accept larger denomination bills ($50. And $100.) as payment for products and/or services. And they are especially sick and tired of politicians at the municipal, provincial and federal levels of government forsaking leadership - and selling out to the hidden agendas of the usury elites.

In summary, they are sick and tired of being financially enslaved, foreclosed upon, bankrupted, unemployed, destitute and dispossessed when their property is being seized. They correctly view their earnings or money as their property as well as their material possessions.

Eleven years into this 21st Century, we the usuryfree creative and the "becoming" usuryfree creative who are awakening are vowing to spend our money differently to achieve a different result. Our plans for a national network of home-based and small to medium-sized, community businesses nudges the door open to initiate "barter and trade" within our own, loyal database whereby each of us will create and spend our own usuryfree time currency.

Indeed, the time may be now, that we-the-people are prepared to break the cycle of oppression now that usuryfree creative have identified "usury" as the killer machine that keeps debtors financially enslaved to creditors for generation after generation. To fully understand the enslaving effect of the design flaw of usury, we must understand a few things. What is usury? What is its function? Who is really in control of the usury machinery? What can we do to effect change NOW?

What is usury? Usury is the correct word to define "interest" on debt - as exacted on the debtor by the creditor. Usury is never created and put into circulation simultaneously when any loan or mortgage is issued. But usury is exacted as a monthly fee, payable to the creditor by the debtor.

The function of usury is to directly legalize plunder by stealing the wealth from we-the-people - the debtors. The global banking cartel (syndicate) is really in control of the usury machinery. The creditors are rich and the debtors are poor BUT we have the potential to change that. We can make change happen by making conscious decisions to spend our money differently. Permit me to clearly explain the problem and then I will focus on the solution.

Contrary to popular belief, money for consumer loans and mortgages is not borrowed from depositors' funds. For every new personal loan, vehicle loan or mortgage (the principal) is created out of nothing by the stroke of a banker's pen because the federal government has given bankers a license to do so.

The rate of usury that is exacted on the loan is never directly created, therefore the usury rate percentage as demanded by the banker is never issued into our orthodox, economic system of debt money. Consequently, there is forever a shortage or money, and the total debt can never be re-paid. Instead, more money is always borrowed into existence and the debt grows exponentially - keeping all debtors (individuals, families, businesses, and governments) in financial bondage to creditors for generation after generation.

It is important to understand that if one (debtor) individual or business is fortunate to be able to earn sufficient money to pay back the "principal" plus the "interest" or "usury" it follows that another debtor will be short of funds and face bankruptcy or foreclosure. This is the reality of the design flaw of usury - the killer machine within our orthodox, economic system of debt money. There is simply not enough money circulating in the monetary system for the sum of all our loans to be paid back, therefore, new loans are always invited and required.

We-the-people - the debtors - are playing in a usurious game of financial chairs whereby we are all scrambling to earn sufficient debt money to pay our "usury" and "taxes" while the system teaches us to try to take advantage of each other to earn that little extra to ensure our financial survival.

We have come to accept that "selfish gratification" at the expense of others is acceptable in this vicious cycle. The shortage of funds that causes debt slavery and permeates every level of society is directly related to the evil function of "usury" - and it is everywhere.

Our current "usury-based" economic system of debt money is immoral and genocidal. it is time to change it NOW by making a conscious choice to spend our money differently - within home-based enterprises and/or with small to medium-sized businesses in our respective, local communities.

We-the-people must create our own loyal databases and encourage astute consumers to purchase our goods and services from within these loyal databases. By committing to do so, we can revive the concept of "bartering and trading" for the mutual benefit of all who choose to participate. After all, why shoild we-the-people keep using their (the bankers') money and keep paying them a fee (usury) when we can now create and spend our own money for FREE?

We can create our own personal, usuryfree time currency. It has been suggested that we value one hour of time for basic, unskilled labour at a value equivalent to $12.00(Canadian Fuunds). By covering our wholesale costs with federal cash and agreeing to accept a portion of our profit margins with a usuryfree time currency - which will be accpeted by others in our inter-connected, loyal networks - we will be empowering ourselves and re-building our respective, local communities.

We-the-people can effect the change we envision NOW by making a conscious decision to spend our money differently in 2011 and beyond. As a consumer, you are invited to make a commitment to spend a minimum $100. on monthly purchases of products from home-based enterprise(s) - either your own or from someone you know who has a home-based enterprise in the SDI (Self Directed Income) industry.

This is money that you are currently spending anyways with the giant, trans-national, retail corporations to support your lifestyle, so you will be simply making an informed choice to spend this amount of money differently. There is no additional expense to simply switch your shopping habits to shop-at-home and there are many benefits available to those who choose to become active in the SDI (Self Directed Income) industry.

Find out more about home-based enterprise(s), in general and about the SDI industry, in particular by sending an email to: with "home-based enterprise(s)" or "SDI industry" in the Subject line.

Thursday, October 6, 2011

A quick review of the global progress of the GemFortunes SDI opportunity

The GemFortunes SDI opportunity was launched in late July of 2011. As of today, Ocotber 6, 2011, at 11:59 AM (EST) there are 4300 SDI entrepreneurs from all around the world, marketing the GemFortunes SDI opportunity.

Below are the statistics of participants as of September 14th, 2011 – when there were approximately 2850 SDI entrepreneurs enroled with the GemFortunes SDI opportunity. At this time I do not have updated statistics since September 14th. If someone has them you are invited to share.

On average there have been approximately 2000 new SDI entrepreneurs enrolling with the GemFortunes SDI opportunity each month and these numbers are forever increasing. Below the list is an list of the sporadic progression of the growth of the GemFortunes SDI opportunity.

The optimal time to enrol is NOW to get your business centre positioned on the Gold Board and ready to move to the Platinum Board. You are invited to go to this link and 'Join NOW.'

GemFortunes Global Statistics as of September 14, 2011:

RUSSIA ru 753
UKRAINE ua 161
GREECE gr 76
NORWAY no 46
CANADA ca 37
ITALY it 14
SPAIN es 14
ISRAEL il 10
GHANA gh 3
JAPAN jp 1
INDIA in 1


NOTE: There were 942 SDI entrepreneurs enroled with the GemFortunes SDI Opportunity when I joined on August 16th, 2001. I did not record any statistics until August 27th. I have been recording these statistics at the 'comments' area at this article at The SDI Eye Opener:

usuryfree said...
1700 SDI entrepreneurs participating with the Gemfortunes SDI opportunity as of 1:00 PM (EST) on Saturday, August 27 2011.

usuryfree said...
1900 SDI entrepreneurs participating with the Gemfortunes SDI opportunity as of 9:00 PM (EST) on Monday, August 29 2011.

usuryfree said...
2043 SDI entrepreneurs participating with the Gemfortunes SDI opportunity as of 11:00 AM (EST) on Thursday, September 1 2011.

usuryfree said...
2338 SDI entrepreneurs participating with the Gemfortunes SDI opportunity as of 11:30 PM (EST) on Tuesday, September 6 2011.

usuryfree said...
2613 SDI entrepreneurs participating with the Gemfortunes SDI opportunity as of 2:00 PM (EST) on Saturday, September 10, 2011.

usuryfree said...
2713 SDI entrepreneurs participating with the Gemfortunes SDI opportunity as of 1:30 PM (EST) on Monday, September 12, 2011.

usuryfree said...
2825 SDI entrepreneurs enrolled with the Gemfortunes SDI opportunity as of 12:30 PM (EST) on Tuesday, September 13, 2011.

usuryfree said...
3389 SDI entrepreneurs enrolled with the Gemfortunes SDI opportunity as of 1:00 AM (EST) on Wednesday, September 21, 2011.

usuryfree said...
3483 SDI entrepreneurs enrolled with the Gemfortunes SDI opportunity as of 8:30 AM (EST) on Thursday, September 22, 2011.

usuryfree said...
3581 SDI entrepreneurs enrolled with the Gemfortunes SDI opportunity as of 8:30 PM (EST) on Friday, September 23, 2011.

usuryfree said...
3642 SDI entrepreneurs enrolled with the Gemfortunes SDI opportunity as of 11:30 PM (EST) on Saturday, September 24, 2011.

usuryfree said...
3715 SDI entrepreneurs enrolled with the Gemfortunes SDI opportunity as of 12:45 AM (EST) on Tuesday, September 26, 2011.

usuryfree said...
3851 SDI entrepreneurs enrolled with the Gemfortunes SDI opportunity as of 11:11 PM (EST) on Wednesday, September 28, 2011.

usuryfree said...
4044 SDI entrepreneurs enrolled with the Gemfortunes SDI opportunity as of 5:55 PM (EST) on Saturday, October 1, 2011.

usuryfree said...
4140 SDI entrepreneurs enrolled with the Gemfortunes SDI opportunity as of 9:13 PM (EST) on Monday, October 3, 2011.

usuryfree said...
4211 SDI entrepreneurs enrolled with the Gemfortunes SDI opportunity as of 11:59 PM (EST) on Tuesday, October 4, 2011.

usuryfree said...
4300 SDI entrepreneurs enrolled with the Gemfortunes SDI opportunity as of 11:59 AM (EST) on Thursday, October 6, 2011.

More to come ...

NOTE: This article is also posted at the group - The GF (GemFortunes) Network of SDIoneers - at this link at Facebook: