… For The UsuryFree Time
By Tom J. Kennedy
As we progress into 2013,
usuryfree, re-education is transforming the consciousness of we-the-people.
Indeed, ‘usuryfree creatives’ from all across Canada (and all around the world)
are un-learning the lies, deceits and deceptions that have been foisted upon
them and their ancestors for centuries as they read books, watch video clips, attend
lectures and follow self-imposed courses of study while using the world wide
web of resources available on the internet.
These ‘usuryfree creatives’ are re-learning the basics of wealth creation from
a unique perspective. Proposals for ‘usuryfree’ community currency projects are
surfacing from many different individuals and groups. Many of these blossoming
projects are focused on ‘usuryfree’ time-bsed currency, while others are simply a
‘usuryfree’ community currency.
However, given the ease of modern technology, the respective infrastructures of
any active, usuryfree community currency can be easily adapted to use the
optimal unit of a time-based currency, which can be traded locally and globally,
as well - without the headaches of exchange rates.
In 2013 and beyond, readers
are invited to become fully aware of the increasing levels of activity re:
proposals for ‘usuryfree’ time currency creation.
Like previous years, 2012
blessed us with its share of triumphs to balance the tragedies. One of the most
significant triumphs of 2012 was the timely re-birth and steady-growth of the
usuryfree time currency movement.
It is not uncommon for the
mainstream media (electronic and print) to focus on tragedies while overlooking
or dismissing the triumph of the usuryfree time currency movement as “not
During 2012, the usuryfree
time currency movement went through unique patterns of various local
communities adopting the time standard of exchange as the optimal, economic
alternative to enable motivated but debt-burdened debtors to throw off the yoke
Why is the time standard of
money becoming the popular choice as an alternative usuryfree community
Firstly, research reveals
that every product and/or service offered in the commercial marketplace is
directly linked to labour. Of course, labour is naturally associated directly
with time – so the focus on a usuryfree time currency is timely indeed.
Secondly, one hour of time
has a fixed value of 60 minutes on every continent on planet earth – so “hours
and minutes” can be traded locally, nationally and internationally – without
any exchange fees when we travel across borders of different countries.
Thirdly, a one hour paper
note of any time currency is “free of usury” or otherwise stated “usuryfree.”
That is to say, no usury is paid on any member’s positive balance and no usury
is exacted on any member’s negative balance. When usury is abolished from the
economic equation, wars, violence, poverty, scarcity and lack are replaced with
peace, prosperity and abundance for everyone.
It follows that setting a
basic value for one hour of unskilled labour to be slightly higher than the
conventional minimum wage becomes very appealing for debtors who are seeking
creative ways to evade usury and thereby experience the reality of a usuryfree
A couple of examples that I
am aware of clearly demonstrate how a usuryfree time currency of “hours and
minutes” compares to our conventional, usury-based, debt money system of
“dollars and cents” – whether it be in paper notes and coins or electronic
blips from debit cards or credit cards.
For example, when the
Tamworth Hours project was launched in 2004, the paper note referred to as “One
Tamworth Hour” was equivalent in value to $12.00 (Canadian Funds). The
“One-Half Tamworth Hour” was equivalent to $6.00 (Canadian Funds) and the
“One-Quarter Tamworth Hour” was equivalent to $3.00 (Canadian Funds).
More recently, in the spring
of 2012, a usuryfree time currency called "Mountain Hours" was birthed in Summit County, Colorado and
the paper note referred to as “One Mountain Hour” is equivalent in value to
$10.00 (US Funds). The “One-Half Mountain Hour” is equivalent in value to $5.00
(US Funds) and the “One-Tenth Mountain Hour” is equivalent to $1.00 (US Funds).
These two examples were
pattered after the pioneering usuryfree time currency – Ithaca Hours – which
was launched in Ithaca, New York in 1991. With a successful track record of
more than 20 years, the Ithaca Hour, usuryfree time currency is the longest
operating model of a time-based currency and the one most frequently copied.
The paper note referred to as “One Ithaca Hour” is also equivalent to $10.00
(US Funds) and the other paper notes of Ithaca Hours are similarly valued as
In 2012, the birth of
Mountain Hours sparked a keen interest in debtors seeking to act on
solution-oriented ideas that help to re-build the spirit of local community.
Shortly after Mountain Hours was launched in Colorado, another local community
introduced Mile High Hours. Next came Clearwater Hours in Florida and then Island Hours in New York. Later in 2012, Vols Hours in Tennessee surfaced and
then Peak Hours appeared, in yet another community in Colorado Springs,
Mountain Hours Evolution
Radio otherwise referred to as “UsuryFree Radio” with Wayne Walton as host,
aired on the Republic Broadcasting Network from mid-June 2012 until mid-October
2012. Hopefully, it will be resurrected in 2013.
notes on 'taxes' and 'usury as we enter 2013.'
Permit me to address
the issue of ‘taxes.’ It is illegal to evade taxes, BUT it is not illegal to
evade 'interest' which ought to be correctly called 'usury.' So let's focus on
evading 'usury' and stop confusing the issue by having to work within legal
parameters while trying to legally avoid taxes.
From an engineering
point of view to spend time talking about ‘taxes’ is likened to ‘splashing in
the pool’ instead of focusing on the ‘tap’ - the source of money. John C. ‘The
Engineer’ Turmel’s ‘shift A/shift B’ explanation of ‘inflation’ using the
graphic material in his bank math presentation clearly shows that 'usury' is
the direct cause of inflation.
Think about this fact
in our current ‘usury’ money system. If you subtract from our taxes paid to the
government all of the money paid to the banking syndicate for “debt service”
which really is ‘usury’ you will have a small portion of money left. This is
how to recognize the current ‘depreciation of service energy’ which is cleverly
disguised. We-the-people should NOT be focusing our energy on the avoidance of
‘taxes.’ Instead, let’s ONLY focus on the evading ‘usury’ - the real problem.
Understand that ‘usury’ is the ONLY illicit component of the current
‘usury-bsed’ debt-money system.
We should NOT be
saying that we object to ‘usury’ and ‘taxes.’ We ought to be correctly
objecting to only 'usury.' When you subtract all monies paid as ‘usury’ in our
current system, that means that whatever little there is left, is being spent
on legitimate services. This is what is commonly referred to as 'taxes for
services.' Of course in any new 'usuryfree' money system there will be no
motivation for fraud like there is in this current ‘usury-based’ debt-money
system. We’ve got to STOP focusing on the issue of ‘tax’ because we are not
seeking to avoid paying for the services needed to run our communities. We are
seeking to avoid paying ‘usury.’ Dwelling on the so-called ‘evils of taxes’
just confounds the issue and that’s what the usury elitists would like us to
I recommend drawing
two venn diagrams. One for ‘usury’ and one for ‘taxes.’ The intersecting area
clearly shows that there is one component of the venn diagram which is common
to both diagrams. This area of commonality is the small amount needed to pay
for the services for the community. The two larger areas will be eliminated
when ‘usury’ is eliminated. So let’s NOT focus on the issue of ‘taxes.’
There is really no
need to condemn the ‘tax’ when it is being used to provide services for the
community. If you don’t want to call it tax then call it something else BUT it
is a necessary component of any 'usuryfree' money system.
Also let’s try to
avoid the phrase ‘debt money system’ to describe what enslaves us right now.
Instead let’s correctly call it the ‘orthodox, economic system of usury-based,
debt money.’ By simply labeling our orthodox, economic system a ‘debt money’
system we focus the problem on ‘debt’. The problem is NOT ‘debt’ - which
is simply a legitimate IOU or a chip or a token. The real problem is the
‘usury’ which is NOT created simultaneously, when the loan or mortgage is
created and issued into circulation, BUT which must be paid on the ‘debt’ - the
IOU, the chip or the token.
In the perfect model
of a 'usuryfree' banking system - the casino bank, all ‘credit’ money or ‘debt’
money is the same - it’s chips or tokens based on collateral or based on IOU’s
for collateral. The real problem is the ‘feedback’ in our current, orthodox,
monetary system of usury-based, debt money and the ‘feedback’ is caused by the
design flaw of ‘usury’
Feedback is welcomed.
Forward any emails to: email@example.com with "2012 - A Timely Review" in the subject line.
PS: What if 99.9% of the ‘freedom movement,’ the
‘alternative health movement,’ the ‘new age movement’ etc. was introduced and
developed by the ‘Usury’ Elitists who are engineering the New World Order to
lead we-the-people astray from the simple and unchanging truth that ‘usury’
economics enslaves and ‘usuryfree’ economics liberates?
Indeed, I am proud to be a
true point one percenter (.1%) - a ‘usuryfree creative’ who promotes
‘usuryfree’ living for everyone on this planet earth. When our numbers of
‘usuryfree creatives’ reach three percent (3%) the magic of critical mass
will engage and we will move this mission ahead with lightspeed. Hopefully,
this can happen in 2013 – the Year of UsuryFree Living.