LETS & The SDI (Self Directed Income) Industry Empowering You !!
By Tommy-Usury: Free


To my knowledge this is the first time a direct sales company is reaching out to partner with co-creators from within (a) the SDI (Self Directed Income) industry and (b) the Self-Improvement/Personal-Growth/Human-Development industry and (c) the Barter/LETS/ UsuryFree Time Currency industry.


The SDI industry of the 21st Century is evolving from the (MLM) multi-level marketing or network marketing industry which was pioneered by Nutrilite, Amway and Shaklee in the mid-20th Century. The Self-Improvement/Personal-Growth/Human-Development industry became very popular in the last half of the 20th Century because personal growth has much to do with business success in the SDI industry and/or otherwise. The Barter/LETS/UsuryFree, Time Currency industry is the newest kid on the block BUT it may be the catalyst that demonstrates astonishing power and potential in setting we-the-people free from the twins yokes of ‘usury’ and ‘taxes.’


During the 1990’s, Neil Anderson, Ottawa, Ontario, Canada resident and a well-respected and experienced MLMer with 20+ years experience in the industry teamed up with other innovators and together we-the-people decided to create some new language for this fledgling and misunderstood industry. To leave behind the negatives attached to the MLM or network marketing industry, we-the-people created the new label - the SDI (Self-Directed Income) industry. Those who have been using this term to describe this industry are reporting much positive feedback.


The SDI industry first set out to serve and promote only those business opportunities whereby the business owner does not hire employees. Traditional network marketing enterprises were well positioned to become the most popular businesses within the SDI industry because an SDI entrepreneur was identified as one who offers a business opportunity whereby s/he builds a network of entrepreneurs and each individual runs her/his own enterprise (usually from their residence).


In recent years, various sales and marketing companies have been creating new models and terminology to dis-associate themselves from the negative experiences of the too many unsuccessful MLMers and/or network marketers of the 20th Century. In addition to the MLMers or network marketers, the SDI industry has expanded its definition to proudly define an SDI entrepreneur as any entrepreneur in any home-based business, direct sales enterprise or otherwise who earns income(s) from her/his self-directed efforts.


Creative SDI entrepreneurs of the 21st Century are likely to be in the process of establishing an SDI Portfolio whereby they are earning income(s) from more than one source. Indeed, more and more conventional business men/women are now creating their own SDI Portfolio to supplement the income from their traditional storefront businesses.


Historically, the home office suppliers of products and/or services, with the co-operation of the pioneering, upline SDI entrepreneurs of the 20th Century subtly coerced new recruits to dedicate all of their time, money and efforts into marketing the products and/or services of that one network marketing company into which they happened to be first sponsored. Additionally, some of the MLM pioneers engineered ‘ghost’ systems whereby they made more money marketing books, tapes, (audio and video) meetings, T-Shirts etc. to their new recruits at the fringe of their networks than they made by marketing the home office’s lines of products and/or services.


The home office and the upline leaders exerted strict control over their ever-expanding networks during the 1970’s and 1980’s, but over the years the ease of modern technology transformed the industry so that indeed, it is now possible for any SDI entrepreneur to receive monthly pay cheques from more than one source.


No longer do home office suppliers nor dominating uplines control their SDI networks as they did in the 1970’s and 1980’s. In 2003, many SDI companies are re-writing the fine print on their application forms to erase that sentence whereby they maintained the right to ‘terminate’ any distributor/associate who was found to be earning income(s) from other SDI opportunities.


The National Savings Club (NSC) which has its home office in Kingston, Ontario, Canada now offers a blend of a unique business opportunity and multiple core savings programs. NSC’s one level SDI opportunity coupled with its core savings programs are not only popular with the SDI entrepreneurs but also with conventional business men/women and consumers in the local, national and international marketplace.


More and more people are aware that (a) mutual funds’ investors are looking for alternatives (b) traditional marketing moguls are struggling (c) consumer debt and personal bankruptcies are at an all time high and (d) conventional men/women who have ignored the SDI industry are now researching it and assessing its potential as a worthwhile investment risk for the 21st Century.


Prior to 2001, mutual funds’ investors were pitched on the idea that mutual funds were designed to be held for long term, and therefore many have been slow to cut their losses and move their money elsewhere. By leaving their financial wealth in the hands of the so-called experts multiple thousands of mutual funds’ investors have lost trillions of dollars since early 2001. Now they are ready and willing to take an active role in future investment opportunities.


Pre-Christmas 2002, traditional retail sales are reported as being the lowest in 30 years. MacDonald’s is reporting a drop in its stock prices for the first time ever. Business bankruptcies are expected to increase in 2003 leading to more wage-earners being laid off. Of course, increased business bankruptcies leads to more personal bankruptcies.


The most creative investors/entrepreneurs of the 21st Century are those who are awakening to the ‘conspiracy’ of the plutocracy otherwise known as the ‘Usury Elites’ and are therefore ready and willing to (a) serve others with honesty and integrity (b) spend/invest their federal cash and time differently and (c) learn about how they can create and spend their own ‘usuryfree’ time currency, by adapting the LETS (Local Employment Trading System) software to facilitate time trading.


Indeed, more and more wage-earners are making an informed choice to invest time, energy and money in the SDI industry by launching a part-time enterprise from their home whereby they can purchase quality products and/or services for personal consumption at discount prices.


At the same time these creative SDI entrepreneurs qualify for substantial, legitimate income tax deductions available exclusively to businesses because they are now positioned to retail and/or wholesale, their selected lines of products and/or services not only to themselves but also to their family, friends, neighbours, working colleagues etc.


Just as Sam Walton engineered the idea of distributing name brand goods manufactured by other companies so too are SDI entrepreneurs copying this ‘genius’ concept. Likewise, the direct sales company, NSC has created a winner by blending the best of the SDI entrepreneurs and/or otherwise who are distributing quality products and/or services. Indeed, NSC is creating an edge that will speed and enhance the growth of the SDI industry because SDI entrepreneurs are showing themselves to be professional networkers who are committed to re-building community.


Our respective local economies could use some exciting news as we head into 2003. Indeed, it has been the loss of faith in corporate Canada/America that is fueling the growth of the concepts espoused by the NSC. As we enter 2003, estimates indicate that the SDI industry is blossoming in North America with 33+ million SDI entrepreneurs now operating part-time and/or full time enterprises from their homes.


Approximately 30+ million of these SDI entrepreneurs are established in the United States and the other 3+ million are active in Canada. People are searching for and finding a better way as they graduate from employee/wage-earner to SDI entrepreneur. The NSC invites active and prospective SDI entrepreneurs to experience its modest income opportunity as a worthy addition to their current or future SDI Portfolio.


The timing of NSC with its goal to foster the re-building of community is right for the local, national and international economy. Those who are aware and sensitive to timing will become the pioneer builders of the largest database that the world has ever known. During the latter years of the 20th Century various entrepreneurs tried to build a similar, loyal database with limited success.


Now, given the ease of modern technology, NSC is positioned to build its loyal, online database by inviting (a) its warm market of SDI entrepreneurs to advertise their respective lines of quality products and/or services to the world along with (b) those entrepreneurs who own small to medium-sized businesses in their respective local communities.


SDI entrepreneurs often have a spouse/partner and/or children in their teens or twenties who are still living in the family residence. In addition to the quality products and/or services available from an SDI home office supplier, they can arrange for all members of their family to list their talents, skills, services etc. on  NSC’s database. Of course, the same is true for owners of small to medium-sized conventional businesses. With a little re-education about why we-the-people must change the way we spend our money, this database is destined to grow very fast as chapters are established in every local community.


The Cyberclass Network recommends that each of its NSC partners establish an ‘affinity’ partnership with Empowerism, a leading SDI company in the field of Self-Improvement/Personal-Growth/Human-Development. Empowerism has a 3 x 9 matrix and the monthly financial commitment is $19.95 (US Funds) or when you refer three partners who duplicate your efforts, your monthly membership is FREE.


As a member of the Empowerism Team s/he receives the bi-monthly, self-improvement/personal-growth/human-development, Empowerism Magazine and reaps the financial benefits of the monthly matrix payouts. Since SDI entrepreneurs understand that the success of their respective enterprise(s) is proportional to their self-improvement and personal growth they appreciate the Empowerism magazine and its corresponding earnings.


Planning for this emerging, global database began in 1996 with founders, Al Baldwin and his partner, Doug Raymond and King’s Choice was born. From 1996 until 2002 a foundation was established in area of eastern Ontario with Kingston as the headquarters.


In the summer of 2002, Gary Jones joined the team as President/CEO and NSC was launched with a vision to expand the database. Now, entering its seventh year of business, NSC is developing a solid reputation beyond the Kingston community and is set to reach out and establish chapters first throughout Ontario, then nationally and eventually internationally.


To build a global, online, loyal database, the timing, the prospective members and the opportunity must be optimal, because chances of ultimate success are proportional to the ‘weakest link.’ NSC’s home-office leadership, its unique, direct sales opportunity, its willingness to explore new concepts to add to its infrastructure, coupled with the potential, dynamic network of experienced SDI entrepreneurs, - who are likely to become its strongest marketing arm – could prove to be the blend of success needed to create new awareness and recognition for both NSC and the SDI industry and thereby move them into the mainstream.


NSC is offering its full and associate members a cutting edge alternative to conventional shopping plus it offers its full members an abundance of core programs. Not only are both associate and full members offered discounts and/or special deals from those SDI entrepreneurs/merchants/professional service providers who are listed on the database but also any member has the option of negotiating informally with any other member to create and spend ‘usuryfree’ time currency when s/he makes a purchase or a sale.


As more and more NSC members become familiar with the concept of creating and spending their own ‘usuryfree’ time currency within NSC’s loyal database, purchasers and sellers will recognize that they have greater flexibility to save and earn than if they continued to shop from giant retail stores. Additionally, shopping from within NSC’s loyal database with ‘usuryfree’ time currency will be mutually beneficial for their respective local communities, although local shopping does not preclude shopping from NSC’s database which extends outside of our respective, local communities.


Though the NSC has not yet built into its infrastructure the computer machinations to facilitate trading ‘usuryfree’ time currency, all of the members recruited by the Cyberclass Network’s NSC (National Savings Club) Team will be informally re-educating other members as they seek to negotiate individual trades using part cash and part ‘usuryfree’ time currency.


Some visionaries within the NSC database already see the possibility of we-the-people organizing ourselves as active participants (a) to set up a beta project of self-insurance for collision on our automobiles whereby no payments or premiums/fees would be made until after an accident occurs and (b) to establish our own credit union whereby we-the-people can have dual accounts, a cash account and a ‘usuryfree’ time currency account.


To become a full time participant within the NSC database as an SDI entrepreneur/ merchant/professional service provider, there is a $300. (Canadian Funds) annual fee plus applicable taxes - which is considered an modest expense from one’s advertising budget for 2003.


Not only will the extra business generated easily surpass this allocation from the 2003 advertising budget, but there is a lucrative $100. (Canadian Funds) commission for any direct sale to a referral who chooses to participate as a full member. Therefore, any full member who buys one and sells three gets his/her full membership for FREE. Furthermore, by operating an SDI enterprise which markets NSC memberships as a legitimate business one qualifies for numerous deductions such as a portion of one’s vehicle, home and entertainment expenses as well as one’s annual membership fee.


Individual consumers are invited to take advantage of the NSC database by purchasing an associate membership for $49.95 (Canadian Funds) plus applicable taxes  = ($53.45) from any NSC authorized Consultant. A popular way of enrolling is through a participating fund raising group which has an ‘affinity’ partnership with NSC and thereby offers associate membership cards as a creative way to raise funds.


The Cyberclass Network currently offers ‘associate’ membership cards for NSC in exchange for a ‘gift’ of $52. (Canadian Funds). The $52. ‘gift’ is payable (a) in federal cash or (b) a combination of federal cash and ‘usuryfree’ time currency. Those interested in exercising their ability to create and spend ‘usuryfree’ time currency as part of any ‘gift’ are invited to communicate with the author of this article for complete details: Contact: Tommy-Usury: Free, The Cyberclass Network, P. O. Box 9333, Ottawa, Ontario K1G 3V1 Email: [email protected]


NSC offers a simple SDI opportunity as a one level direct sales commission.By shopping from within NSC’s database and taking advantage of the many discounted special offers and/or by trading with other members by creating and spending one’s own ‘usuryfree’ time currency, every person regardless of the rural or urban community where s/he lives will experience savings and benefits as an NSC member.


NSC’s database is being built locally, nationally and internationally, based on its membership learning about the power of loyalty and thereby making a conscious choice to shop within this database for their personal, family and business needs. NSC is also committed to seeking new ways to motivate associate members to upgrade to full membership.


As the stock market continues to decline and the economy slides into a deeper recession, more and more mutual funds’ investors will choose to invest time, energy and money in the SDI industry. Without a doubt, the SDI industry will lead the way in sales and marketing during this 21st Century.


Those who are not yet ready to accept responsibility for personal growth, the reality of private money creation and/or the necessity of re-education are encouraged to negotiate contracts with youthful SDI entrepreneurs whereby one assumes the role of an investor in human potential and thereby offers to invest some money to aid a youth in launching or expanding an SDI enterprise. Any investment is negotiated in exchange for a monthly dividend from the profits earned from the youth’s enterprise(s). [An honourable handshake is considered as binding as any lengthy contract and indeed the preferred signature.]


Take the first step to changing the world to become a better place. Decide which NSC membership you would like to order. You can place the order the conventional way by completing an application form. These are available from NSC authorized consultants. (The author of this article is an authorized consultant.) Remember you must make reference to the name of the NSC authorized consultant as your enroller/sponsor.


Alternately, you can enrol online by clicking on the ‘Join Now’ icon at the National Savings Club website <www.nationalsavings.ca> If you do this be sure to insert ‘The Cyberclass Network’ in the referral field. For more information and/or to schedule a *SDI/13 Workshop contact Tommy-Usury: Free, The Cyberclass Network, P. O. Box 9333, Ottawa, Ontario, Canada K1G 3V1 Email: [email protected]


* An SDI/13 Workshop requires that the person organizing the workshop secures the location and invites a minimum of 13 people who are ready and willing to invest their time and money differently in 2003. I need ‘gifts’ to cover my cash expenses and additional ‘gifts’ of cash and/or ‘usuryfree’ time currency are gratefully received for lessons learned BUT there is FREE admission to these SDI/13 Workshops. I want every person to be able to attend and receive the knowledge that will be shared. Our slogan as ‘usuryfree’ creatives is ‘Becoming UsuryFree in 2003.’


For more information readers are invited to visit the National Savings Club Cyberclassroom at this URL: www.cyberclass.net/nsc.htm Be sure to click on all of the links to learn more about the National Savings Club and the background reasons why it is timely to be building this loyal, online database in 2003.