The UsuryFree Eye Opener

On Tuesday, January 22, 2013, The UsuryFree Eye Opener surpassed a milestone – 1000 visitors for the 24 hour period from 7:00 PM (EST) on Monday, January 21, until 7:00 PM (EST) on Tuesday, January 22, 2013. On January 22, 2013, 1006 visitors came to read articles at The UsuryFree Eye Opener – we had previously been averaging 500 to 600 visitors each day.

Some of the new visitors have been asking about the history and purpose of the UsuryFree Eye Opener so this article will offer some background information.

What is the UsuryFree Eye Opener? What is the ultimate objective of the UsuryFree Eye Opener? Who are the UsuryFree Creatives? Why the UsuryFree Eye Opener is twinned with the SDI (Self Directed Income) Eye Opener?

From the blog The UsuryFree Eye Opener: "The UsuryFree Eye Opener is the electronic arm of the UsuryFree Network. It seeks active usuryfree creatives to help advance our mission of creating a usuryfree lifestyle for everyone on this planet. Our motto is 'peace and plenty before 2020.' The UsuryFree Eye Opener publishes not only articles related to the problems associated with our orthodox usury-based, debt money system but also to the solutions as offered by active usuryfree creatives - and much more for your re-education."

Who are these usuryfree creatives? To better understand who are these usuryfree creatives permit me to refer you to the website for Cultural Creatives where it is written:

"While Cultural Creatives are a subculture, they lack one critical ingredient in their lives: awareness of themselves as a whole people. We call them the Cultural Creatives precisely because they are already creating a new culture. If they could see how promising this creativity is for all of us, if they could know how large their numbers are, many things might follow. These optimistic, altruistic millions might be willing to speak more frankly in public settings and act more directly in shaping a new way of life for our time and the time ahead. They might lead the way toward an Integral Culture."

UsuryFree Creatives often see themselves as a subgroup within the larger group of Cultural Creatives. The focus point of usuryfree creatives is to re-educate our fellow citizens that Life Without Usury (Interest) is possible again in this 21st Century as it was in the Middle Ages. UsuryFree Creatives are commonly found as active participants within the growing movement of local communities that are launching usuryfree community currencies to use as a complement with their diminishing amounts of paper notes of federal cash.

To qualify as an active usuryfree creative one must be aware of the design flaw of usury and know that it functions as the killer machine in our orthodox system of economics. As a usuryfree creative one also supports the growth and expansion of the usuryfree time currency movement as our last, best alternative that will aid us in setting up our 'economic lifeboats' in our respective local communities so that we-the-people can negotiate trades when their (the usurers') Titanic of usury-based debt money goes down.

Usuryfree creatives acknowledge that financial freedom is denied to all debtors the moment the ink dries on the promissory note held by the creditor - to whom the "system" has given the power to exact usury on any loan or mortgage. It is noteworthy that the creditors (banks) never create the "interest" or "usury" portion of any loan or mortgage. Only the principal portion of any loan or mortgage is created for the debtor. This malfunction of the design flaw of usury is the direct cause of wars, violence, poverty, scarcity and lack.

Our modern economic system of usury-based, debt money is imploding at an unprecedented rate as this 21st Century Recession deepens to a Depression that is likely to make the Depression of the 1930's look like a Sunday picnic. Usuryfree creatives recognize that the death rattles of the greedy, global banking cartel are going to be chaotic. That is why the UsuryFree Eye Opener is offering FREE, re-education NOW!!

The UsuryFree Eye Opener was birthed with a mission to observe and comment on problems related to our orthodox, economic system of usury-based, debt money, while advocating a usuryfree lifestyle as the optimal solution. Usuryfree creatives anticipate that a usuryfree lifestyle has the potential to rise as a phoenix from the ashes of usury-based, debt finance.

After years of meticulous research, various usuryfree creatives have been envisioning a blog where items commonly dismissed as "not newsworthy" by the mainstream media can be posted with space for comments, opinions and/or links to other relevant information. Usuryfree creatives have been looking for a blog where visitors can find the real truth about what's going on in the world of local, national and global economics rather than accepting to be brainwashed and mind-controlled by the few remaining mainstream media monopolies that have become monsters through acquisitions.

The UsuryFree Eye Opener includes news sources, information and articles on topics related to "economics" - and almost every topic that is open for discussion has some connection to "economics." Readers wishing to share an article about any topic that is important to them are invited to have it posted at the UsuryFree Eye Opener.

The UsuryFree Eye Opener is twinned with the SDI (Self Directed Income) Eye Opener.  The SDI industry - otherwise referred to as the multi-level marketing or network marketing industry - is positioned to lead the way with this innovative marketing concept as we progress into this 21st Century and usuryfree creatives are making a choice to spend their money differently by shopping from within their own loyal SDI networks. 

Readers are invited to read this article to acquire a better understanding of the power and potential of the SDI industry: "Analysis, Projections, Observations & Proposals For The SDI Industry."

While conventional business marketing concepts are failing, the SDI marketing concept is gaining popularity, probably because it relies on the oldest and most powerful sales model - people talking to other people. Usuryfree creatives are invited to familiarize themselves with the SDI industry as it will facilitate the shift towards usuryfree living for everyone on this planet. It is predicted that successful SDI entrepreneurs will become a hot commodity for many companies retailing products and/or services - in the not-too-distant future.

Usuryfree creatives commonly view themselves as "locavores" since they prefer to shop locally using a usuryfree time currency as a complement with their federal cash. The key element that attracts usuryfree creatives to the SDI industry is that SDI entrepreneurs have access to selected, quality products and/or services at wholesale prices. Usuryfree creatives know that these products from SDI companies can be sold to consumers whereby federal cash is paid for the wholesale portion of any sale and any usuryfree community currency can be accepted for any agreed upon percentage of the retail mark-up.

Your perspective is welcomed and appreciated on whatever topic interests you and/or relates to "economics" in one way or another. The UsuryFree Eye Opener is fosters free speech and is opposed to censorship . Input from usuryfree creatives is welcomed in any or all of these different ways:

(a) Participate in any of our interactive, social networking sites at

Facebook:  Tommy UsuryFree Kennedy &  The UsuryFree Network

Ning: UsuryFree Creatives

Twitter:  Follow "usuryfree" at Twitter.

(b) Become a elf-appointed reporter and provide the UsuryFree Eye Opener with headlines, stories, website links etc.

(c) As an active usuryfree creative contribute feature articles that expose the design flaw of usury for the evil and immoral weapon that it is and/or promote the usuryfree lifestyle as the optimal freedom experience for everyone on this planet.

NOTE: Writers must have proof of copyright of any original material submitted.

To begin the process of becoming a usuryfree creative simply visit the blog - The UsuryFree Eye Opener. You are invited to begin participating by commenting on any of the currently posted articles. Feedback, comments and suggestions in the form of compliments and/or constructive criticism. Be sure and refer your friends in cyberspace as well as your family, friends, neighbours and working colleagues. If you are so motivated, please link the UsuryFree Eye Opener to your website. We are currently exploring advertising options so that we can build a loyal network of usuryfree creatives who double as SDI entrepreneurs. We do not wish to advertise for any of the giant, trans-national corporations – instead we intend to advertise for small to medium-sized community businesses and home-based enterprises.

The UsuryFree Eye Opener requires energy - physical, financial, spiritual and otherwise, to create, maintain, improve and expand our message of mass instruction.

Gifts or donations of usuryfree time currency and/or federal cash are gratefully accepted. The mailing address is: The UsuryFree Network, P. O. Box 9333, Ottawa, Ontario  K1G 3V1 AND the email address for myPaypal account is: tom@cyberclass.net

Thank you and welcome aboard.

Tom J. Kennedy aka "Tommy UsuryFree Kennedy"

PS: U R invited to familiarize yourself with (a) the Year of UsuryFree Living (b) the Winged Lion Awards and (c) our annual celebration of "usuryfree living" by helping us to promote the "Ninth Annual UsuryFree Day/Week" from November 13th to 19th, 2013. Read some background details by doing a search at any search engine for (1) usuryfree day and (2)usuryfree week.

Shifting to An Entrepreneurial Mind-Set

By Tom J. Kennedy

The twinning of the usuryfree time currency movement with the proven and popular, sales and marketing model referred to as the SDI (Self Directed Income) industry offers all who choose to participate a unique opportunity to initiate creative solutions to the pressing problems caused by our reliance on the usury-based, debt money system. Yes, our conventional economy is floundering and more and more people are asking questions and questioning the answers.

It is commonly said that every crisis breeds or initiates new opportunity. Certainly, the economic instability caused by the faltering and failing economic model of usury-based, debt money is forcing debtors to seek workable options.

Without a doubt, the entrepreneurial mind-set is becoming more and more popular with (a) unemployed youth (ages 20’s and early 30’s) and (b) with laid off employees or salaried workers (ages 40’s, 50's & 60's+).

People are being forced to shift their thinking and depend less and less on all levels of government and assume more personal responsibility for their present and future economic stability.

Indeed, by twinning workable concepts from the usuryfree time currency movement with proven marketing strategies perfected and relied upon by active SDI entrepreneurs, there is an opportunity to build “economic lifeboats” to recuse debtors adrift in a sea of confusion and debt.

During 2013, the Year of UsuryFree Living, we can expect the “Shift of 2012” to continue and expand as more and more debtors make a choice to re-educate themselves on refuting selfish entitlement and instant gratification while studying intensely economic issues that formal education neglects to teach.

I daresay that usuryfree creatives who double as SDI entrepreneurs (and vice versa) are uniquely positioned to climb up the stepladder to experience the reality of usuryfree living – especially when they learn how to barter/trade their products and/or services while accepting any usuryfree time currency for partial payment.

Twenty-thirteen will be a critical crossroads for the growth and expansion of both the usuryfree time currency movement and the SDI industry.

Bookmark these twin blogs (a) The UsuryFree Eye Opener and (b) The SDI Eye Opener, read and re-read any relevant articles and share them with others who are ready and willing to be re-educated.

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Traditional Retail Marketing Becoming Obsolete

By Tom J. Kennedy

Traditional retail is in a steady decline because of (a) the growth of internet marketing in general and (b) the growing popularity of the SDI (Self Directed Income) industry in particular.

NOTE: The SDI industry is otherwise referred to as the Multi-Level Marketing Industry or the Network Marketing Industry.

The common retail model has not changed much since it was birthed in the mid-1800’s. Initially, products were manufactured in Europe and transported by boat to various ports along the eastern United States. Next the products were packed into horse-drawn stagecoaches that delivered them to the general stores.

The only difference with the modern, retail, marketing model is that more and more products are being manufactured in third world countries – with China being the leading manufacturing company – and in 2013 most products are transported by plane from China to airports in the various urban centres.

Instead of stagecoaches we now have trains and trucks to pick up and deliver the products to the retail stores. In this 21^st Century we notice that general stores have been replaced, by department stores, big box stores, outdoor malls with multiple franchise outlets and gigantic indoor megamalls.

Indeed, the traditional, retail, marketing industry is in flux and its eventual collapse will be inevitable because of reliance on a centralized, marketing model that was functional in the 19^th Century.

Now in this 21^st Century, the SDI industry is leading the way with its unique marketing model that is focused on decentralization where the transaction costs are much less for home-based, SDI enterprises.

For example, the “home office” of a modern, successful SDI company commonly manufactures its own brand name products and it relies on a database or network of active SDI entrepreneurs to market the products and/or services directly to consumers by “word of moth” and/or “click of mouse.”

Of course, the success of SDI entrepreneurs is based on long term, monthly, repeat sales. The best way to acquire repeat, monthly sales is to (a) offer quality products and (b) establish good relationships with committed customers – whether they be retail customers or wholesale customers (other SDI entrepreneurs who are enrolled within your network or team.)

Whether they are retail or wholesale customers, the challenge is to get to know your customers and earn their trust. When customers are satisfied that you are ethical, reliable and punctual, they are quite likely to remain as good customers as they embrace the idea of shopping with our own loyal networks.

It is noteworthy that SDI entrepreneurs themselves have the opportunity to be their own best customers and purchase the products and/or services direct from the “home office” of the selected, SDI company, at wholesale prices for their personal use.  And while doing so, they are operating a home-based, SDI enterprise and thereby qualify to reduce annual income taxes by qualifying to deduct various, legitimate, monthly expenses not otherwise available to wage earners or salaried workers. More details explained in this article:  “Tax Benefits Of An SDIEnterprise.”

As end consumers who commonly purchase consumable products on a monthly basis from the “home office” SDI company, this ever-expanding group of SDI entrepreneurs are the maverick entrepreneurs who are daring to create paths for others to follow.

Yet another bonus motivates maverick, SDI entrepreneurs to push the economic envelope to the limit. SDI entrepreneurs who double as “usuryfree creatives” quickly realize that since they are uniquely positioned to purchase products and/or services at wholesale prices they can sell these products locally and accept a combination of federal cash and any usuryfree time currency.

In summary, SDI entrepreneurs can offer these products and services for sale to family, friends, neighbours, working colleagues, acquaintances and anyone else in their respective spheres of influence and accept any usuryfree time currency for the retail mark-up portion of the sale. This action with expand the usuryfree time currency movement and expedite the ushering in of the new age of usuryfree living.

Assume that a popular product has a retail price of $50.00. If the retail mark-up is 40%, then the SDI entrepreneur can sell the product for $30.00 (federal cash) to cover any wholesale costs. By inviting the consumer to pay the retail mark-up portion of the sale ($20.00) with an equivalent amount of usuryfree time currency, the SDI entrepreneur is expanding his/her local database of time-traders and introducing one more consumer (debtor) to the possibility of experiencing the reality of usuryfree living.

I daresay that in the not-too-distant future, an innovative “home office” of a new SDI company will launch a corporate, usuryfree time currency and permit its network of SDI entrepreneurs to purchase the products and/or services with a combination of federal cash and the corporate, usuryfree time currency.

And the participating, SDI entrepreneurs will agree to accept their monthly sales commissions in a similar ratio of federal cash and corporate, usuryfree time currency. This will make the cycle complete and all who choose to participate will be winners.

Eventually, every participating SDI entrepreneur will be invited to add any skills, talents, other products and/or services (beyond those of the selected SDI company or companies) to a larger database. All SDI entrepreneurs will be invited to become loyal shoppers within the respective and inter-active databases of the participating SDI companies. This simply means being committed to change the way we spend our money – less and less with the giant transnational, retail corporations and more with local merchants and SDI, home-based enterprises.

Yes, the entire landscape of conventional, retail, sales and marketing is changing with the evolution of the SDI marketing model. As retail and traditional marketing models collapse, the SDI industry is perfectly positioned for future, exponential growth.

I predict that before 2020, the SDI industry will shift to a full momentum phase and multiple millions of active, motivated and excited SDI entrepreneurs will create a growth surge that will become the catalyst that ushers in the new age of usuryfree living.

Let’s kick-start the process during 2013, The Year of UsuryFree Living. To get a better understanding of the SDI industry, its past and its future potential, readers are invited to read and re-read this article: Analysis, Projections, Observations & Proposals ForThe SDI Industry

Readers are also invited to review these articles: 

A FundraisingOpportunity For The UsuryFree Network.

The SDIIndustry Offers A Fundraising Opportunity For The UsuryFree Network

A Phenomenal Elixir With Its Cocktail of Nutrients - Glutathione (MaxGXL)

When you are ready, you are invited to enroll with Max International (see website below) and participate in the fundraising project for The UsuryFree Network by ordering your choice of “health and wellness” products. http://www.max.com/401808

SDI Entrepreneurs Need To Know The Truth

By Tom J. Kennedy

The SDI (Self Directed Income) entrepreneurs love the “home office” of the selected SDI company (or companies) in their SDI Portfolio. 

Unfortunately, the SDI industry - otherwise known as (a) multi-level marketing or (b) network marketing still suffers an imperfect image in the eyes of journalists, editors and publishers in the mainstream media - whether electronic or print.

The SDI industry has been highly successful and SDI entrepreneurs are fairly compensated for effectively marketing and distributing quality products and/or services to consumers. The truth is that the SDI industry has created more millionaires than any other business model since its birth in the mid-20th Century.

Why then does the mainstream media ignore or avoid any positive coverage of this popular and ever-expanding business model?

Could it be that many of the “home office” companies within the SDI industry are debt-free - and therefore evade monthly usury payments to the major banking corporations? Just wondering!

The SDI industry has been evolving since it was birthed approximately 70 years ago. According to the Network Marketing Business Journal (NMBJ), SDI companies are operating in 144 countries and estimates are that 80+ million distributorships in the SDI industry are currently active.

The SDI industry is a sub-group within the Direct Selling Industry and both continue to grow domestically and internationally. According to the World Federation of Direct Selling Association, the annual, global, retail sales for the Direct Selling Industry reached $154 billion in 2011 and $139 billion of that amount was marketed by SDI entrepreneurs.

The future does look bright for the SDI industry and when a couple of other newsworthy items are improved, the mainstream media might be motivated to give the SDI industry the positive coverage it deserves.

Statistics indicate that 50% of new (start-up) companies fold or file for bankruptcy within the first five years.

The attrition rate within the SDI industry remains critically high. The Direct Selling Association (DSA) reports that the distributor retention rate is estimated to be approximately 10% over time - or otherwise stated, statistics show that the attrition rate within the SDI industry has a history of being in the range of approximately 90%.

Many of the people who enrol as SDI entrepreneurs lack the entrepreneurial mind-set that is required to succeed. Instead, they maintain the “employee mentality” that is commonplace for salaried or wage earning employees. Since formal education teaches little or nothing about entrepreneurism in general, nor about the SDI industry in particular, what is needed is an SDI University.

Even the McDonald’s corporation was astute enough to design and launch “Hamburger University” in Elk Grove Village, Illinois in 1961 to professionally train its staff. Ray Kroc is quoted as saying: “If we are going anywhere, we’ve got to have talent. And, I’m going to put my money in talent.”

Indeed, the SDI industry needs an SDI University for new enrollees. A wide variety of learning techniques can be utilized to prepare prospective SDI entrepreneurs for their newly chosen sales careers.

Though many SDI entrepreneurs seem to be more aware and awake about issues relating to the media, politics, and economics, too many are still ignorant of the ‘truth’ about modern money creation and how the design flaw of usury is the killer machine that directly and/or indirectly causes (a) start-up SDI companies to go bankrupt and (b) the high attrition rate within the SDI industry.

With some relevant re-education through the SDI University (or otherwise) to share the facts re: the lies, deceits and deceptions being foisted upon the unsuspecting public re: media, political and economic issues’ I daresay that SDI industry would blossom and the mainstream media would be forced to report the positive news.

In an article titled “The Real Truth” in the October 2012 issue of Network Marketing Business Journal, Keith B. Laggos writes: “Six families control the mainstream media. This includes all of the main television networks, including FOX, which is used to satisfy the conservatives. It also includes radios and most of the mainstream newspapers and many news magazines. Associated Press (AP) provides the majority of the edited content for all of it, except local news such as fires, crimes and sports. Reuters filters the news and provides much of the news to AP. Reuters is owned by the Rothschild family and are members of the elite group called the Bilderbergs.”

On the topic of banking, Keith B. Laggos writes: “The Central Bank or Federal Reserve is privately owned by seven families including the Rothschilds. The Central Banks of most of the countries in Europe and many around the world are owned by those seven and a couple of more, making about nine different families total. All of these families are members of the Bilderberg Group. They print money, Federal Reserve Notes, and loan it to the government who in turn pays them interest."- (which ought to be correctly called usury.)

The article “The Real Truth” by Dr. Keith B. Laggos ought to be compulsory reading for every active SDI entrepreneur and for every new enrollee in any SDI marketing program. SDI entrepreneurs need to know the facts about the media, economics and politics to have any chance of future success within the SDI industry.

I daresay, that the first SDI “home office” to launch a usuryfree time currency as an integral part of their infrastructure will have the marketing edge over all other SDI companies.

If and when an SDI company becomes the first SDI “home office” to create a “usuryfree corporate currency” within its infrastructure, that company will have a definite head start in serving people’s preferences, and others will beat a path to its door to ask: “What is your SDI company doing and how is it doing it?”

In any local community, the first SDI entrepreneur with knowledge of the “usuryfree currency” technology would have the first opportunity to pitch all local, prospective, free enterprisers. Whole new markets will be opened up by the first SDI “home office” that adopts this usuryfree technology (software) and invites other free enterprisers to connect with them.

For example, SDI entrepreneurs could accept an agreed on percentage of their rewards (commissions) in the “usuryfree corporate currency” - which could be called “SDI Wampum” or whatever. Our ongoing research indicates that to avoid interference from so-called “government authorities” we do NOT use the word “dollar” when recommending a name for any “usuryfree community currency.” Rather, a name like “wampum” is highly recommended as it has no affiliation with conventional “dollars.”

Likewise, any SDI “home office” could assure their networks of SDI entrepreneurs that the “home office” would accept a similar, agreed percentage of payment for “any and all quality products” in this same “usuryfree corporate currency” and a similar percentage would be paid out in monthly commissions to participating SDI entrepreneurs.

NOTE: More background information in this Generic Letter To Executives Of Any SDI Company