By Tom J. Kennedy
13, 2014 is UsuryFree Day and the following week is the 10th
anniversary for UsuryFree Week. It is exciting that more and more
debtors are awakening to the need for a shift from usury-bearing, debt
money to usuryfree community currency - with a specific focus on
usuryfree time currency as the optimal choice for local, national and
international trades or exchanges.
year during UsuryFree Week - November 13th to 19th, usuryfree creatives
share information and resources on two specific topics (a) the problems
associated with the design flaw of usury on our orthodox, economic debt
money system and (b) solutions as offered by the usuryfree community
this coming year, more local communities will launch a usuryfree
community currency and it will be mutually beneficial for all who choose
to participate. AND know that a usuryfree time currency is the optimal
UsuryFree Day (November 13th) and during UsuryFree Week (November 13th
to 19th) and in fact for the other 51 weeks of the year,
we-the-usuryfree-creatives invite debtors everywhere to participate in
the re-education process by sharing printed documents and/or video
documentaries on topics related to money, banking, usury-based debt
money and usuryfree community currencies.
we are showing the economic world a new direction for monetary reform.
All debt-burdened debtors will eventually follow our example.
voice of usuryfree creatives who reject usury and the New World Order
has been sorely missing from the ongoing debates about cutbacks and the
ever-present shortage of funds. The awakening of my fellow-Canadians is
helping to shatter that silence. In recent months, I have been hearing
from countless Canadians like myself and my family.
are rejecting the erosion of freedom and the intrusion of the police
state. They are sick and tired of being over-taxed while rising usury
rates diminish their monthly earnings. They are sick and tired of
usurious service charges on their debit and credit card accounts,
thereby creating record profits for the banking corporations.
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 $50. and $100. bills for the purchase of products and/or
services. And they are especially sick and tired of politicians at the
municipal, provincial and federal level of government forsaking
leadership - and selling out to the usury elitists.
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. Fourteen
years into this 21st Century, we the usuryfree creatives, who are
awakening, are vowing to spend our money differently to achieve a
plans for a local and 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. It has been suggested
that we refer to this new database as the Third Market Network.
we-the-people are prepared to break the cycle of oppression now that we
have identified it and learned from where it comes. To 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?
is usury? Usury is the correct word to define “interest on debt” as
exacted by bankers. Usury is never created and issued into circulation
simultaneously with the principal when a loan or mortgager is issued by
the banking institutions. BUT, usury is exacted as a monthly payment.
Its function is to directly legalize plunder by stealing the wealth from
banking syndicate is really in control of the usury machinery. They are
rich and we are poor BUT we are changing that. We are making change
happen by making conscious decisions to spend our money differently.
Permit me to clearly explain the problem and then I’ll focus on the
to popular belief, money for consumer loans/mortgages is not borrowed
from depositors’ funds. For every new mortgage, personal loan or vehicle
loan, new money (the principal) is created out of nothing by the stroke
of a banker’s pen because the federal government has given him/her the
license to do so.
rate of usury which is exacted on the loan is never directly created,
therefore, the usury rate percentage as demanded by the banker on the
debt is never in our orthodox monetary system. Consequently, the debt
can never be repaid, instead more money is borrowed into existence and
the debt grows exponentially.
is important to understand that if one individual or business is
fortunate to be able to earn sufficient money to pay back the principal
and the usury, it follows that another individual or business will be
short of funds and face bankruptcy or foreclosure. This is the reality
of the design flaw of usury. There is simply not enough money
circulating in the monetary system for the sum of all our
loans/mortgages to be paid back.
are playing in a usurious game of financial chairs whereby we are all
scrambling to earn sufficient 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.
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 function of usury, and it’s everywhere. Our current
usury-based monetary system is immoral and genocidal. It’s time to
change it NOW by spending our money within home-based businesses and/or
with small to medium-sized businesses in our respective local
is time that we-the-people create a Third Market Network to enable
astute consumers to purchase our goods and/or services from within a
loyal database. By committing to do so we can also revive the concept of
negotiating trades/exchanges for the mutual benefit of all who choose
all, why should 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
usuryfree time currency for FREE?
covering our wholesale costs with federal cash and agreeing to accept a
portion of our profit margins in UFOH’s which will be gratefully
accepted by other participating traders within the Third Market Network,
we are empowering ourselves and re-building the spirt of local
we-the-people can effect the change we envision NOW by making a
conscious decision to spend our money differently in 2014 and beyond. As
an informed and astute consumer, you are invited to embrace the SDI (Self Directed Income) industry and make a commitment to spend a portion
of your monthly purchases of products from your own home-based business
and from other participating SDI entrepreneurs, thereby facilitating
the bartering process which is being networked by awakened leaders in
the SDI industry. More relevant information is posted at the UsuryFree SDI University.
is money that you are spending anyway to support your lifestyle, so you
will be simply making an informed choice to spend the amount of money
differently. There is no additional expense to simply switch your
shopping habits to shop-at-home and there’s many benefits available to
those preferred customers who choose to do so.
are invited to research the home-based businesses and the SDI industry
and seek to network with active SDI entrepreneurs in your respective,
local community, and make a conscious decision to participate as a
trader within the usuryfree time currency movement as it becomes more
popular in this 21st Century.
I have proposed a (UFOH) UsuryFree Ottawa Hour - with a value of $12.00 for one hour of basic, unskilled or student labour. (see sample below)
We need to raise sufficient funds to print the paper notes of UFOH’s and invite willing participants to create a list of “offers” and “requests” and then we can start negotiating trades/exchanges.
For more information send an email to: firstname.lastname@example.org with “Third Market Network” or “UFOH” in the subject line.
Sample of UFOH (UsuryFree Ottawa Hour)
NOTE: Other relevant articles for the 10th Annual UsuryFree Week: