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The Financial Abuse of Australia

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Nov 12, 2010



Matters not who is the dictating government of Australia at the time, BANKS control the controllers. Here is a classic piece of factual exposure needed by all to read and absorbe as we ride the financial death camp express condoned by political party alegiance threatening our very survival.


The Banking Rort – That Affects Everyone


A recent 60 Minutes story on Channel 9 and press reports, of mortgage foreclosures on houses in Sydney that have collapsed in value by up to 50 per cent, underscores the desperate plight facing the 750,000 mortgage-stressed families in Australia.  The Press state over 350,000 families are likely to lose their homes due entirely to interest rate rises.  Families usually comprise two or more adults and children, that equates to over 700,000 adults and in using Justice Higgins assessment (the basic family comprises 2 adults and 2 children) then we have up to 1,400,000 displaced people, entirely due to interest rate rises.


It is utterly stupid for governments to allow a situation where interest rate rises force people from their homes, where Banks now take possession of these homes that have devalued and sell them off at the devalued price (to friends?), and chase the owners for the residual difference between the devalued sale price, the original loan, agents fees advertising fees and charges, which forces many into bankruptcy.  They are shackled with a restrictive debt that destroys the remaining years of their life; and at what social cost to the country?  The parents never ever recover financially and are forever forced to stay in rental accommodation often for the rest of their lives, the children will never forget the ‘establishment’ destroyed their parents lives and took their homes away – thus a lifetime of justified antisocial behaviour evolves, the parents often suicide or their marriage breaks up.  The remaining family members are then locked into pensions for substance existence at massive cost to taxpayers. 


This is a democracy gone insane when governments allow its people to be displaced through no fault of their own, good, honest, decent hard working families being put out onto the street destitute with nowhere to go. The penalties are wrongly put on families who have committed no crime, so why are they so cruelly punished?  Who caused the ‘crime’ that destroyed theses innocent families, very clearly the Banks and to a lesser degree big-business, no one else; so why are they allowed by law to continue with their destructive behaviour?  The Banks put up their interest rates without approval of the other party to the loan—a breach of contractual law; they load every customer with massive unnecessary fees, and they take possession of the home placing all costs and fees on the former owner, sell the home at depreciated value and take legal action to recover the residual from the families.


This is criminality of the worst kind under common law: the Banks lend excessively knowing these people do not have the resources to meet payments, that act encourages people without sufficient resources to buy homes pushing up the values, they overvalue homes at no risk to themselves as they hold the title via mortgage, and when the inevitable failure to meet payments occur they then sell the home at devalued prices and recover the residual through acts of financial cruelty to already crippled families.


It is insanity and abdication of fiscal responsibility for the government to allow the monetary situation to continue in its present form, to ask the people to believe that somehow forcing good living, decent, honest families from their homes creates some benefit for the nation, when the opposite is the fact. The full damages cost of these acts upon our community need to be quantified by government to fully appreciate the irreparable damages done.


Because the Reserve Bank increase the interest rate, that should not automatically flow-on to existing home loans as is currently allowed – legislation should prohibit any flow-on to existing loans as they were prior contractual loan agreements, no different to any other form of prior contract.


All loans from all sources should have the current interest rate set as the maximum applicable to that loan and on the Reserve Bank reducing interest rates such loans must reduce accordingly by legislation.


Increases should only be applicable to new loans written after the date of the increase by the Reserve Bank and be the maximum applicable to the life of that loan and be reduced in line with any Reserve Bank reduction. 


Government Enforced Captive Market


Banks operate in an exclusive captive market not available to any other industry therefore must accept far greater regulation to protect the people from their vicious predation.  Governments force people into the hands of Banks almost as de facto agents; the ATO demand a bank account to deposit refunds, Centrelink demand a bank account to pay pensions into, the Australian Electoral Commission demand banking details of candidates to refund deposits even when they are paid in cash and the party demands to be able to collect refunded deposits in cash – they refuse.  If you do business with a government department they demand a credit card or bankers cheque only, there is no facility to pay cash.  We were refused service from a care-hire company because we wanted to pay cash when they demanded a credit card, and on it goes ad infinitum, compliments of governments.


The PM has the opportunity to really leave his mark on Australian history, by changing the anti-democratic, biased, discriminatory, and disgraceful monetary system the Banksters have cleverly foisted upon our nation by devious means and many believe through political donations.  He can put the people first and change the way in which the government address and controls inflation by cooling the big borrowers, big lenders and big spenders, before it gets out of hand.  Management and administration is about driving with your hand on the controls, you don’t put the brake on after you have crashed that is insanity, but it is the established way of fiscal management.  If you applied the same principles’ to business you would go broke – so who in government has actually started their own business from scratch and made it a success, it is easy to walk into a going concern and claim knowledge—but who has practical hands-on fiscal management experience?  The same principles apply to government management—you stop the problem before it stops the nation. 


Moneylenders and Infants Loans Act of 1941


We need to start rectifying this current fiscal and banking stupidity by the removal of the ‘1981 Consumer Credit Act’ and reinstate the ‘Moneylenders and Infants Loans Act of 1941’ (to be updated) that treated people with financial dignity, security and certainty of terms.


The notable feature of the Moneylenders and Infants Loans Act (section 28) is that if the loan contract "provides directly or indirectly for (a) the payment of compound interest; or (b) any increase of interest by reason of any default" then the contract "shall be illegal".  This is basic common sense that was overridden by vested interest groups that changed the Act to the detriment of our financial integrity and family security.  

The ‘Moneylenders and Infants Loan Act’, by stating that a loan contract, in s.22, "... shall show ... (2) ... (d) the total amount of the interest to be paid", complied with the common law requirement of "certainty of terms".  The Consumer Credit Act which replaced this is in breach of credit law and common law.


The Consumer Credit Act Must Be Repealed


The Government must repeal ‘The Consumer Credit Act’ which introduced the system of variable interest rates under the clause "Variation of Contract" which was and remains a clear and irrefutable violation of common law and is the basis of inflationary increase and destruction of family home ownership.  The Government must change the current system where it puts the wellbeing of family’s rights to home ownership and reduced inflation – ahead of profiteering and inflationary control by the Banksters.


Special loans legislation must be enacted to cover home loans and or mortgages to provide protection from excessive fees and deliberate predation from banks and lending institutions as priority.


The “Consumer Credit Act’ has allowed criminal exploitation that has devastated too many families, this Act permitted the Banksters to break their contract and vary interest rates not agreed to by the other party (Families) to the contract.  It is criminal exploitation and fraudulent that Banks can alter contractual agreements at will in a one-sided decision detrimental to the other party, this is a serious breach of the basis of Australian Contractual Law, and must be repealed immediately –  “The Consumer Credit Act, 1981, No. 124” should be repealed and the “Moneylenders and Infants Loans Act, 1941, No. 67 be reinstated." 


Greed-Driven Corrupt Bankers


Prior to introducing the “Consumer Credit Act’ the Banks were highly competitive, made considerable profits, were blue-chip shareholdings due to the guaranteed captive market available, and provided polite friendly services. They are now a power-unto-themselves with excessive control over our nations’ finances and inflationary movements, treat the population with contempt, apply unjust fees and charges at every opportunity – even making people pay to withdraw their own money over the counter, pay for counting money to be deposited, pay for dishonoured cheques that were no fault of the depositor who acted in good faith, and to pay for withdrawing money from machines.  This permits bullying of customers and mortgagees—particularly women and young adults; it is grossly discriminatory against customers—particularly women and young adults who are disempowered to banks, who apply charges to accounts at will without agreed consent and deduct same without approval of the account holder with legal impunity; it offers little redress to customers; it discriminates against all other businesses who are denied similar activities;  it has undue influence over governments who pander to their needs as demonstrated by the introduction of the “Consumer Credit Act’ and deregulation that seriously disadvantages every citizen to the banks financial benefit. 

Why the favouritism giving banks the right to raise interest rates at will and not generally to all enterprises?  That is gross favouritism and discrimination. To exemplify this stupidity, could you image the results if a defence or other contractor raised interest rates already agree to on the contract, suddenly payments would be out of reach with resultant abandoned possessions and legal recoveries—exactly what banks are doing to home owners. The contracts would fail due to breach of contractual law—why are banks exempt?  This gross discriminatory favouritism of banks must be stopped immediately.

By manipulating interest rates, the banks can take advantage of and obtain money from innocent clients to pay for bad debts incurred by the failures of other enterprises and other loans, with unjust impunity.  This must be stopped.


The Consumer Credit Act is fraudulent in that it uses false representations.


The Consumer Credit Act says that a loan contract (s.35 (1) (d)) shall include "where, at the relevant date, it is possible to express the whole of the credit charge as an amount of money, a statement of the total of: (i) the credit charge; and (ii) the amount financed;" and "(e) a statement of the APR (annual percentage rate) in accordance with section 37". Section 37 (b) (ii) refers to "the percentage rate determined according to the method set out in Schedule 6 ... (etc.) ... whichever the credit provider determines". In s.75, and spread throughout the Act, the concept of "Variation of contract" is indoctrinated.

(Section 12 describes what "credit charge" means in 36 lines and cross-references to Section 59 and Schedule 1. Schedule 6 says "the annual percentage rate may be determined in accordance with the formula: 2NF (300C + NF) divided by 2N squared + 300C (N + 1) where "F" is an amount determined in accordance with the formula: 100C x T divided by N x A.)"

The Consumer Credit Act is 130+ pages of legalisms and a myriad of cross-references designed to confuse and repel anyone wanting to examine it.  It was not written in plain English specifically to deter citizens understanding and objection.


This is in contravention of open, fair, plain English, understanding of law, it was deliberately written to confuse and discredit established contractual law of “certainty” of contract provisions, and does not pass any fairness test.


The Consumer Credit Act destroys the basic principles or our legal system in that it removes the enforcement and protection of private rights: It has no reasonable relationship to the legitimate public interest: these are transferred to the Banks exclusively to the detriment of every citizen.


Contractual Law


"The Australian Legal Dictionary" by S. E. Marantelli:


There are eight essential elements to establish a contract:


1. Offer;


2. Acceptance;


3. An intention to enter legal contract;


4. Full consideration;


5. Capacity to contract;


6. Legality of purpose;


7. Genuine informed consent;


8. Certainty of terms.


Under Contractual Law, a contract is an agreement: a contract duly executed and legally binding – binding means unalterable.  The prime factor in a contract is “certainty of terms” means "that which is certain" or "absolutely determined, regular, fixed, sure to happen, ... reliable, unerring ...".


Therefore if there is no “Certainty of Terms” as an “essential element” the contract is illegal and not binding. That alone should be enough to guarantee the repeal of the ‘The Consumer Credit Act 1981’ forthwith. To have a contract where an unknown ‘future’ interest rate is to be applied constituters lack “of certainty” and the contract is void. A bank misrepresenting such a document to be a contract is guilty of fraud and taking money by fraud, which the government must legislate to prohibit. The Consumer Credit Act is repugnant to contractual law, common law, principles of economics, and must be removed.


The rules and principles of jurisprudence have now been sacrificed in favour of the Banks to the detriment of the people, why? 


We know every act has a reward in principal or deed, so what was the reward given by the Banksters for this rort?


The notable feature of the Moneylenders and Infants Loans Act (section 28) is that if the loan contract "provides directly or indirectly for (a) the payment of compound interest; or (b) any increase of interest by reason of any default" then the contract "shall be illegal". (No certainty)


The Act which the Consumer Credit Act replaced, the Moneylenders and Infants Loan Act, by stating that a loan contract, in s.22, "... shall show ... (2) ... (d) the total amount of the interest to be paid", complied with the common law requirement of "certainty of terms". The Consumer Credit Act which has ‘no certainly of terms’ is in breach of common law, and both destructive, biases and a blatant discrimination against the people. Why are Banks given greater value under contractual law than other citizens?


Trade Practices Act


Part IVA—Unconscionable conduct.


51AAB Part does not apply to financial services: WHY?


(1) Section 51AA does not apply to conduct engaged in in relation to financial services. WHY?


(2) Section 51AB does not apply to the supply, or possible supply, of services that are financial services. WHY?


51AA Unconscionable conduct within the meaning of the unwritten law of the States and Territories

(1) A corporation must not, in trade or commerce, engage in conduct that is unconscionable within the meaning of the unwritten law, from time to time, of the States and Territories.


(2) This section does not apply to conduct that is prohibited by section 51AB or 51AC.


 51AB Unconscionable conduct


(1) A corporation shall not, in trade or commerce, in connection with the supply or possible supply of goods or services to a person, engage in conduct that is, in all the circumstances, unconscionable.


(2) Without in any way limiting the matters to which the Court may have regard for the purpose of determining whether a corporation has contravened subsection (1) in connection with the supply or possible supply of goods or services to a person (in this subsection referred to as the consumer), the Court may have regard to:


            (a) the relative strengths of the bargaining positions of the corporation and the consumer;

            (b) whether, as a result of conduct engaged in by the corporation, the consumer was required to comply      with conditions that were not reasonably necessary for the protection of the legitimate interests of the corporation;




This is Legislative evidence the people of Australia are being treated with total contempt in relation to financial services and banks give unconscionable preferential protection to the detriment of every family. This consistent legislative undermining of struggling families providing massive unconscionable power and profits to banks shows a pathetically poor quality of elected representatives who by their actions are treating the people with contempt.  It is time for these unconscionable, discriminatory and unjust Acts to be changed to include the banks, and bring banks under complete legislative control. 


This is just another discrimination against working families in favour of banks who now are above the law that applies to all other businesses –WHY?.


Maybe the our politicians would like to tell us where they stand on matters of banks verses the families of Australia, what will they actually do about protecting our families and bringing banks back under control—we are waiting.


Corrupt Legislation Results


Quote 1, from the Sun-Herald, 18/9/94, p.3: "In the New England area a recent survey estimated 80 per cent of farmers had less than 20 pc equity in their farms, making four out of five farmers in the area highly vulnerable to losing their homes. I see what it does to families, it's terrible the divorce, the break-ups and the suicides ...".

Quote 2, from Michael Clough (State Member for Bathurst): "Case No. 6 concerns a Commonwealth Bank customer who borrowed $530,000 and then had two bad seasons. He has paid back $715,000 plus $70,000 in overdraft, but still owes $1,239,000 surely an indictment against the Commonwealth Bank. Case No. 7 ... In this case the State Bank has been charging interest on interest ..."

Quote 3, from Jeanine McRae of the Union of Farmers: "It is quite common for a farmer to have paid for his farm two and three times over the last ten years and still owe more than he originally borrowed."

By manipulating interest rates, the banks can take advantage of and obtain money from innocent clients to pay for bad debts incurred by the failures of other enterprises and other loans.

The Consumer Credit Act must be REPEALED and, as a first step, interest rates on existing loans must be FROZEN immediately!


Deregulation of Banks


The government argument of the day was:- "Deregulation of the finance market is seen by Governments to produce greater efficiency in that market. Over-regulation was considered to be the direct cause of the limited availability of credit which was seen prior to the 1980s." "In a competitive environment, financial institutions are able to offer a wide range of products, which may include fixed and variable rates, and to make those products available at a competitive price. This cannot be achieved by a highly regulatory regime."  This is now a proven nonsense. 


The end result is uncontrolled theft by excessively unjust fees and charges, loan contracts that contravene principles of Contractual Law, massive profits, excessive failed home mortgages, and inflation deliberately caused by banking practices where banks continue reaping massive fees and charges against shattered default family mortgagees that frequently go onto bankruptcy, family separations and suicides (that pensions pay for).  The costs to society are far too excessive and long lasting to be further tolerated.  The banks have the nation totally captive, therefore they must accept regulation as part of their guaranteed access to the public on “fair and just terms” which now do not exist. (even Centrelink insist on payments to bank accounts, legislation on gun control means families who keep their savings at home as they are entitled to do are at the mercy of criminals with police disinterested and hours later respond to calls of robbery then tell the occupants basically there is nothing they can do)


Obscene Bank Profits


Courier Mail, 16 May 2008, page 3: 


‘Families struggle as bank fees soar’


“While struggling families drowned in personal debt, banks cashed in $10.5 billion worth of profits froim fees and charges on home loans, deposit accounts and credit cards.  The 170 per cent increase in banks’ credit card fee income has been drive by families juggling mortgages and rising petrol and grocery prices.”


The Reserve Bank’s 2007 survey of commercial banks , published yesterday, shows an 8 per cent increase in bank fees paid by customers ….”  “Costs paid by ordinary households grew 9 per cent to $4.4 billion in 2007 financial year, while the banks’ fee income from housing loans and mortgages grew by 8 per cent.”


PM Kevin Rudd, Courier Mail, page 1, 2 August 2008, objected to the excessive profit made by Banks saying they should provide fee reductions.


PM Kevin Rudd, Sunrise Chanel 7, 14-8-2008, “The PM said Banks should reduce their fees” 


SMH 12 August 2008, page 21, “…….. all our big lending institutions have raised rates even though the Reserve Bank has kept ‘official rate’ on hold”.

Legislation is required to cap all banking fees, such to come under control of the ACCC who should have the legislative power to immediately suspend trading of banks who overcharging, no warning and no second chance—the rules will be followed.


The Daily Telegraph 12 August 2008 front page, “One of Australia’s leading bankers yesterday said banks could cut interest rates immediately—if they wanted to”.  Mr Rory Robertson a former Reserve Bank of Australia employee and currently Macquarie Banks interest rate strategist said “Given the sharp rally in local interest rate markets, banks could cut mortgage rates today it they wanted.” 


But of course the Bankster will resist any reduction due the legal stranglehold they have been given with impunity over the population; they will bleed as many people as possible to their financial death, compliments of the Government that has ruthlessly abandoned its people and families to the financial benefit of the Banksters.  We are ashamed: Will this ALP government have any better sense of responsibility to the people, and show leadership for future generations by repealing ‘The Consumer Credit Act 1981’?  This abuse of the Australian people’s integrity has gone too far, either the government does something about looking after families’ rights or they go out at the next election.

Channel 9 News 7 October 2008 - Australian Banks make a profit of  $17 Billion


It is embarrassing political naivety of politicians telling us banks will do the right-thing under self regulation, the glaring results show banks are entrenched greed driven predators as politicians have allowed by upholding the criminal abuse of contractual law and greed driven bank-fee abuse via The Consumer Credit Act, 1981. 


The only way the people will ever get fairness from Banks will be when they are forced to act with respect and fairness by legislation.


Economic History


Every major university in the west teach economics as influenced and introduced by vested financial interest groups, these same influences under different titles provide the scholarships in economics.  As a student the writer in class discussion pointed out the errors of the system and how the people and nation would have greater benefit if the system was changed, fellow students were in agreement; the tutor firmly advised that may be so—but the curriculum is set by others and that is what you are taught and examined on—this is where Treasurer’s are educated without question, and fail to identify more effective and equitable monetary systems that would better serve their nation’s people.  It is time for a complete review of our economic direction and management practices for the betterment of our nation.


Inflation can be effectively controlled by wise government placing credit, investment, and loan restrictions on Banks effective immediately when needed, and progressively on big Business.  The effect would be to stop Banks writing additional loans or credit, restrict Banks further investment in other areas and takeovers, and a total permanent ban on Banks buying residential mortgage-backed securities, because many are backed by mortgages that are in default on properties that are or may collapse in value.  Banks must be prevented from claiming loans or mortgages of any sort to be assets on which they can buy or sell, or they can loan against, and then repeat such.  A loan over which the Bank may have a mortgage is not a Bank asset it is a debt by the borrower and nothing more and must be prevented from being traded or borrowed against by Banks.  That mortgage is the property of the mortgagee that took the mortgage and they alone must have movement authority.


Inflation is primarily caused by Banks and big companies buying, selling and borrowing billions; these billions far exceed the minor contribution made by home loans but are never exposed. Banks force-lending techniques of offering wonderful credit and loans at tempting rates to those without ability to service those credits/loans, and to those who do not fully understand financial calculations through inexperience or youthfulness.  The aforementioned also applies to a minor extent to mobile phone companies. We need to make financial management a mandatory education subject at all levels.  Clearly it is time to make financial predation a serious offence for all companies that use anything other than simple English and simple equation figures to calculate and identify the total interest to principal and full end cost against income available to service the debt,  for the financial damage destroys our nation and its families.  Stop providing preferential treatment to Banks and treating Australian families and workers second-rate under legislation. Legislation allows Banks to use fractional reserve credit and asset creation denied to everyone else—which is discrimination, they can change their rules simply by placing an advertisement in a newspaper that adversely affects our entire population, if a Bank is robbed the penalty is severe – if a family is robbed the punishment is puny; why this degradation of families rights and respect.  It is time to re-assess our national values on the importance of families and again makes them the national icon above all else.


A new committee of wise thinking people from outside the banking industry to overview banking practices without preconditioned prejudices or vested interests, needs to be established to fully review and improve the direction of monetary and inflation control of our nation, we cannot continue with the stupidity we are using it is damaging many good families needlessly.  It is indeed stupidity to punish good, decent, honest families for the damage created by the greed of Banks; then let the Banksters amass monetary rewards for their heinous acts.


Ask any federal MPwhy this is permitted to occur, they don’t know and refer to what previous PM’s and Treasurer’s have already said ‘…they have no control over inflation and interest rates’ – well if they have no control who does – the Banksters?  What an amazing thing for governments to say – when in reality it is they alone who can control inflation – they are the government and they make the laws that are supposedly to be in the best interests of the people, but they are not – they are in the best interests of the Banksters only, Why?  There are reasons for every act or not to act, why do governments sell out its peoples right to fair and reasonable fiscal management in favour of the Banksters?   It has nothing to do with the nations financial security of development, security and development were in place before this was allowed to happen by deliberate legislation and will continue after the aberration is removed.

You cannot just claim the Reserve Bank only decides what the interest will be when every government act has a bearing upon inflation; the Reserve Bank should advise the government of the need to cool inflation and the government should act by restricting loans and credit to Banks and big business, or alternatively the Reserve Bank alone should hold that authority, as an inflation control mechanism. 


We must find a better way to control inflation without destroying decent, honest, families, what a national disgrace the way we inflict such destructive punishment upon innocent families through no fault of their own who have committed no crime, they try to provide for their families and a ruthlessly destroyed for doing so – to add to their destruction they see the Banks making money out of their tragedy with government protecting.  If the reader cannot see a need for a better more equitable system then you lack basic decency. 


When the Reserve Bank of Australia increases interest, existing loans should not be permitted to increase, nothing has changed involving that loan, it is just the Banksters greed sees a chance to make you pay more for the same item which is profiteering of the most blatant kind and must be statute barred from continuing.  The Press currently report Banks made $10.5 billion in fees and penalties charged to customers last year.  As the government has made the people captive to Banks they have a responsibility to rigidly control the way banks strip fees and interest charges from the people.  They must no longer be able to change the rules of engagement with customers by simply placing an advertisement in a newspapers, this must be rigidly controlled by regulation in line with established controls over all other business activity where people are captive to acts by business houses, as in food, health, safety, service etc.


Fractional Reserve Banking is a licence to create money from assets they do not have, it is a distortion of reality that allows Banksters to make billions from a twisted system not available to any other enterprise.


Under the Guise of Creative Accounting:


A Bank deposits $100m as capital, it loans $5m for a property purchase conditional the borrower opens an account with them where the $5m is deposited, the Bank then claims the deposit as an asset and lends against it [$100m - $5m = $95m].  They can do that repetitively until it reached 9 times the level of Bank deposits (or $855m) [$95m x 9 = $855m].  The Bank in reality only holds about 10% in deposits.


The Bank of International Settlement (BIS) in Switzerland has endeavoured for years to set a world standard for banking practices but the Banks keep finding ways to circumvent rulings.  Using the multiplier effect Banks can establish a subsidiary bank and capitalise it with $100m deposit where $90m is deposited with a further subsidiary.  Theoretically for a Bank observing the 10% adequacy asset ratio to risk exposure can reach 1,000 times its asset reserves in just three levels of Banking and still be within the law, that is a false creation of assets or money that is not permitted to any other individual or organisation: it is discriminatory and in reality creating assets of monetary value out of nothing more than book entries.  Such wealth creation on phantom assets must be stopped by legislation and the Banks brought back to the same requirements of all other organisations of quantifiable real assets to risk exposure.  Due to creation of assets they do not hold by simple book entries allowing amassed fortunes, they should be subject to a separate taxation regime of a much higher tax return to help the nation they plunder.


Bank History


The Commonwealth Bank came into being in June 1912 under the care of Mr Denison Miller (later Sir) a prominent official of the Bank of N.S.W., who resigned his position and was appointed Governor of the Reserve Bank.  The Bank was not open for business until January 1913, when in one day the Commonwealth Government transferred $4 Million from private Banks to the Commonwealth Bank without causing any financial disturbance.  (A massive sum in those days).


In an interview in 1921 when Sir Denison Miller was asked in an interview, if he though the Commonwealth Bank, had financed Australia during the First World War for $700 Million, he replied  “Such was the case, and I could have financed the country for a further like sum had the war continued.”  Asked if that amount was available for productive purposes in this time of peace, he answered “Yes.”  


Sir Denison Miller also said, in the Australian Press on 7 July 1912:


“The whole of the resources of Australia are at the back of this Bank, and so strong is the Commonwealth Bank, whatever the Australian people can intelligently conceive in their minds and with loyally support, that can be done.”


What he was saying was simply that the wealth of a country is measured by everything in it: the entire land mass plus anything that has been extracted from it or built upon that land.  The potential is all that can be done with available workers.


To cripple Australia you sell off its assets and the Commonwealth Bank—that has been done and we are in economically difficult times with no income from disposed national asset which now go gleefully to the new owner – to increase government income we now have put up taxes on fuel and wages and create another taxable milking cow – carbon credits. 


After WW2 Germany and Japan were two shattered nations, to rebuild, they called the top brains of their respective counties together to advise them.  Independent and unbeknown to the other they reached identical conclusions—lend money to farmers and business at no interest or minimal interest.  Japan, a country without national resources—except its people, became the leading industrialized nation in Asia.  It currently lends money to farmers and small business at around two per cent.  Germany, a country with national resources became the leading industrialized nation on earth—the Deutsche mark is the most valued currency today. (a Mars bar is $1 dearer in Germany than France or Spain today)


If you’re intelligent you follow a proven leader—Singapore lends money to farmers and small business at three per cent, and they are a thriving strong nation—a leader in Asia that does not bow to the World Bank.  Why not Australia too?


Australia with huge national resources is on the verge of massive economic problems.  It is predominantly foreign owned in all the important areas, and it is losing the foundation stone of our nation the Commonwealth Bank.   ‘The Bank’ could and should be financing our nation’s development at three percent.    


Under competent political management and with our massive national resources Australia should have been one of the most powerful economic nations on earth, ahead of Germany.  Now we must ask “Why not?”  It was deliberately contrived that Australia would be subservient to England and America and not become a dominant industrial nation.

Why is Australia the only major western country that allows 100 per cent foreign ownership of our land (and companies)?  In Japan it is zero, in the US, Canada and UK 10 per cent, in Thailand 49 per cent.  PM Gough Whitlam proposed all Australian companies and land must be at least 51 per cent Australian owned, it is a criminal the way our country is becoming foreign owned, and our children will become tenants in their birth country that will eventually lead to civil unrest to reclaim our land. 


In a democracy you ask the people: Put a referendum to the people on foreign ownership of our nation and banking practices, and then seek their advice.  Show respect for democracy.


The Bankers Bible


U.S.A. Bankers Association magazine August 1924.  “Debts must be collected, mortgages foreclosed as rapidly as possible”  “When, through the process of law common people lose their homes, they will become more docile and more easily governed through the strong arm of government applied by a central power of wealth under leading financiers”.  “These truths are well known among our principle men who are now engaged in forming a imperialism to govern the world”. “By dividing the voter through the political Party system we can get them to expand their energies in fighting for questions of no importance”.  “It is thus by discreet action we can secure for ourselves that which has been so well planned and successfully accomplished”.  This quotation has been reprinted in Hansard twice.


Australia’s Future


It is time to change the direction of Australia and put the best interest of the people first above that of Banks, multinational companies tax concessions, the oil parity pricing rort that gives unchecked billions to foreign oil Co’s, foreign ownership of Australia where your grandchildren will become tenants in their birth country.  It is time to ask politicians why they went into politics—was it for the personal power, the money and superannuation. Or was there a possibility that it was because they believed they could improve the future for all Australians—if that be the reason then it is time to start.

The question now arises are politicians a representative of the people – or a party?  Does first loyalty lie with a political party, a leader or the people who elected them and the people of Australia?  If the party and leader come first then they are not people’s representatives and are not suitable for re-election – so the aforementioned question is unlikely to be answered. Either way the time has now arisen where too many good decent honest families have been flogged into financial ruin by corrupt greed driven banking practices that elected representatives—and the party politicians belong too, have allowed to go  unchecked.  It is time for them to honour the responsibility of their election to govern in the best interests of the people—not just the Banksters. 


Former Senator Paul McLean   Refer file address and details hereunder. 


He understood the greed-driven corrupt bankers and had amassed a considerable dossier on these practices but was beaten by a corrupt pseudo democratic system with vested interests.  It is time for a full open Inquiry into banking practices and to reopen the dossier held by Paul McLean.


It is time to openly be honest with the Australian people who elected you to act in their best interests; to clean out corrupt, discriminatory practices. Look at legislation of Scandinavia and Switzerland for guidance. 


The material held by former Senator Paul McLean must be put before an open commission of inquiry.  I have attached some of his words hereunder; it would be criminal for such evidentiary material to be ignored.  Having now made you aware and giving you the file location that evidence of corrupt banking practices exist you now have a legal and parliamentary obligation to investigate illegal practices brought to your attention—it is an offence to know of illegal activities and not report or act on same.


“Shooting the messenger does not change the message” anon.



G J May (NSW)


Unfinished Business: Searching for a National Conscience


Paul McLean spent four years in the Australian Senate in Canberra fighting bank and other corruption. This culminated in his controversial tabling of the infamous “Westpac Letters” and the “devastating documents”. He appeared before the corrupted “Martin Inquiry”, a committee headed by Stephen Martin and set up by Paul Keating as a soft option to avoid the Royal Commission that Senator McLean has sought. In a recent letter he wrote,

I travelled the world looking at corruption in banking and at the time of my resignation from the Senate I had more than six hundred case files relating to various malpractices involving all major Australian banks. I had tabled only a small cross-section of these in the Senate and before the Martin Inquiry. I still have access to all of those documents and many others.
But more than bank greed, ineptitude and immorality were at work in all of this. Politicians, senior ministers, senior public servants, senior police, lawyers, accountants, and members of the bench must equally be held accountable. The gross injustice experienced by trusting and innocent Australians at the hands of greed-driven corrupt bankers and others is a great Australian travesty. Yet even now very few acknowledge this.
The criminality apparent in the banks’ handling of the infamous foreign currency loan fiasco drew most attention, but equally important were asset stripping and breaches of fiduciary obligation, of Reserve Bank statutory requirements, of the Trade Practices Act, of Tax legislation and regulations. These were all crimes without statutory limitation – “ticking time bombs.”
The sham was that the indisputable evidence I had tabled in the parliament, that which was presented to the Martin Inquiry, and that which came before the courts, was blatantly ignored. Those responsible for protecting the public interest failed us. The overwhelming majority of politicians, police, legal professionals and judges showed neither moral conviction nor strength. Even worse – some took profit from it.

At the time we were mighty thankful for the brave few: journalists like Anne Lampe, Stewart Kennedy, Crispin Hull and Peter Murphy, whistle-blowing bankers like John McLennan and John Salmon; courageous and informed lawyers like James Renton and Francis Galbally. And there were others. The real heroes though, were the thousands of victims.
Bankers could not believe their luck when I resigned and the storm subsided. Martin’s “Committee” apparently had been effective in damage control on behalf of their masters. Or so it must have seemed.
But, they and we knew that these issues would be revisited.
A mountain of new material has been added to the voluminous and damning evidence already collected.  Many Australians are watching with keen interest the current class actions against Canadian banks. Class action suits can also be brought here in Australia. Bankers know this and insiders are nervously watching what is happening there and they report the unease inside the banks. With a broad, new expose’ of the rat cunning of the bankers, class actions would have a greater impact today. We have gathered our own spiritual and intellectual resources to have another go. Senator Paul McLean has demonstrated the corruption of the politicians, bankers, judges, and bureaucracy then and fifteen years later we will probably show that nothing has really changed for the better. The crime has not gone away. Many of the criminals are still with us,  many of them elevated to still higher positions of authority…and responsibility.
Senator McLean continues, As you know I recorded my experiences and those of many of my constituents in my book, Bankers and Bastards.  Although the issue of bank malpractice attracted huge public interest in the late 80’s and early 90’s, it finally went “stale” as journalists say. The same journalists agree, however, that after fifteen years this stuff can be ‘freshened” again. There is real interest. It’s agreed that the climate is right. The Howard government has brought public trust of institutions to a new low.
That had to be the natural rat cunning of the man whose report as Treasurer for the Coalition Government launched the deregulation of the banks and promoted the foreign currency loans. He later became Prime Minister overseeing the misery and criminality he had fostered and adding still more burdens to Australians.
Our courts have been a disgrace. It has been there that the arrogance, smugness, and dishonesty of the banks and their cohorts of lawyers have been most blatant. Much could be cited, but pivotal is the outrageous lie that the banks knew nothing of the pending and progressive floating of the Australian dollar in 1984. Their very own Treasury and branch memos affirm this knowledge in black and white. Francis Galbally made the Martin Inquiry aware when he appeared before it with James Renton and me on 15 March 1991, and again subsequently.
Professor Evan Jones’ papers provide clear evidence that there has been a number of cases where the bench was biased and legal representation either professionally incompetent or down right corrupt. This reflects appallingly upon our judicial system.
As cases have come before courts over the past twenty years, lack of disclosure and constraints on discovery of key evidential documents, (frequently deliberate and criminal on the bank’s part) have thwarted justice.
How heartening it was recently to see the High Court find barriers to recovery of key evidential documents to be sufficient grounds to overturn prior judgments. Yet again, Michael Kirby took the opportunity to educate an ignorant public about an important aspect of the law.
Image is the Achilles heel of the banks. That’s why any settlement is hushed with a “deed of release” otherwise known as a “shut up agreement.” Such agreements might not be legal since the banks coerce the victim of their fraud to be silent. A coerced contract might not have any standing in court. Nevertheless the intimidation can be quite effective.  That’s why Members of Parliament won’t help their constituents. As Joan Gash MP from Nowra admitted, the banks subsidized her electoral campaigns. That’s why mainstream, corporate media is often reluctant to publish an expose’ of the bank. Banks buy advertising in their papers and on their channels. Judges who find in favour of the victims of bank malpractice will never be allowed to sit on another such case. Judges who favour the banks are often more likely to be promoted to the High Court. Attorneys who do too good a job of supporting their clients against the banks might find their home and office burglarized. Police have even warned the victims of bank malpractice to back off from their allegations. Such police will often be promoted.
Some bank managers who were sacked for witnessing a forgery were given government jobs which then cost the Australian taxpayer and consumer. The bank malpractice issue has cost all Australians dearly.
Remember fifteen years ago, The Bulletin gave them hell in several great front cover stories: ‘Why the Banks Are Bastards,’ ‘Bank Chaos – Have the Bastards Learnt Anything?’, and ‘Why the Banks have to be Bastards.’ Remember also how Australian Business pounded Westpac. Bulletin sales went through the roof. Senior bank management got rattled!
Stories that were buried will be exhumed. Stories that never saw the light of day will be brought to light. Stories that people were frightened to tell will now be told. And the response of the Australian authorities today will be tested and exposed. They have a choice of moral or immoral, legal or illegal, honest or dishonest.
Take this as an example. On 6 March 1991 I tabled a set of documents referred to as the ‘French Westpac Letters. Agnes Wong, who headed up Westpac’s damage control unit, wrote them. They are a telling expose’ but they never go the attention they deserve. If read in conjunction with Max Dodd’s (Commonwealth) internal memo, and in the hands of an expert like McLennan, they are a potential H bomb. Wong, Dodd, and McLennan were critically placed to comment, and they essentially said the same thing. The fact that a member of the bench ruled Dodd’s affidavit inadmissible because he is dead raises other interesting points of law that perhaps warrant testing in “Higher” places. One implication of the ruling seemed to be that a truth can die with its teller. What offensive rot! We will find someone else within CBA who is haunted enough to swear another affidavit propounding the same truths. Such people do exist – we have found them before! Consciences will have been churned.
Yes, even bankers want to die with clear consciences.
Though Max Dodd is gone, the documents he cites aren’t dead. Thankfully he was thorough in his referencing. Their truth still prevails. If such documents mysteriously disappear years after the event, as other ‘G Documents’ have done in the past, then that would be wonderful new fuel to the new fire. We know that those documents will never disappear off the face of the Earth. There are multiple, multiple copies.
In about 1996, former senator Paul McLean, briefly working for the late Senator Robert Bell, devised a series of about twenty ‘Questions on Notice’. They received ‘paper-over’ answers as was expected. It was naively assumed by some that the matter was over. – McLean had gone back into the forest, Bell was dead, and a whole new parliament had been elected. Wrong! Those questions, and the answers, are truly amazing. Their truth will eventually out. Inevitably there will be an outcry for national moral and ethical renewal, a renewal that begins with the Australian legal and judicial system. Then it will expand to embrace all institutions and then have an impact around the world. What happened in Australia has happened elsewhere and continues to happen as western banks go into the former Soviet republics to an unaware public ignorant of fraudulent banking practices. The responses of government and its institutions in Australia are not unique to Australia. What IS unique is the depth and breadth of the documentation that has come to light because of a few courageous bank employees, responsive journalists, and the rarest of politicians.
In contrast, Paul McLean has said that ministers such as Tate, Duffy, and Keating were criminally negligent and the Martin Committee’s whitewash was a national disgrace that has never been exposed for what is was. The report of that committee is notable only for its inadequacy.  ‘A Pocketful of Change’ is offensive in the blatant, arrogant cynicism with which it declares the cosy relationship that prevailed between the Hawke/Keating governments and the bankers. A case could be made similarly for the Malcolm Fraser and John Howard Coalition governments that preceded and followed the Labour government of the 80’s. Politicians did not skip a beat in supporting the ‘bankers and bastards” in pinstripe and black robes.
Paul McLean is back and he’s not alone. Australians have unfinished business.
Unfinished Business: Searching for a National Conscience

See also: Bank Fraud: Crucifixion and Resurrection in Australia


If this has aroused your concern please pass this onto your federal Member of Parliament, Senators and political parties – telling them if they do not vote to remove The Consumer Credit Act of 1981 they will never get your vote or your families ever again – and vote for independent candidates.

This synopsis is for you to use as you own, delete my name and send it as your own letter if you choose: and to the political party of your choice.  If we all raise the same loud voice, together we will be heard.  If there are words you disagree with delete them until you are satisfied before sending it to politicians—but justify why you remove them, remember personal opinions are NOT facts. 


If you dead-end these facts by not sending them onwards to everyone in your addres-book—don’t ever complain when the Banksters screw your business, family and friends in the future.


Australian families deserve a much better deal, otherwise how will your children ever own a home?



G J May


Articles From Freestatevoice.Com.Au

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World Bank Playing God – Threatens “Drastic Steps Necessary” If Nations Refuse Population Reduction Implementation. Jurriaan Maessen

One World Currency – More Deceit, Fabian Style – Step By Step. By Ray Gano

stripping Private Banks Of The Power To ‘Create’ Money ? Mr. Ben Dyson Of The UK.

Bistro – (Bank Of International Settlements Total Rip-Off!) Matthias Chang.

The 1929 Crash A Deliberate Plan.

Bancor: The Name Of The Global Currency That A Shocking IMF Report Is Proposing

Monday Special: The Economic Collapse Is Being Deliberately Engineered!

Financial Predictions For The Rest Of 2010. (Don’t Say You Weren’t Warned!)

The Money Myth Exploded. The Debt-Based Money System

The Secrets Of The Federal Reserve

The World’s Biggest Debtor Nations

It’s True: Goldman Sachs Short-Sold Gulf Of Mexico.

Yes, Bankers Are Still Bastards! Part 1.

Yes, Bankers Are Still Bastards. Part 2.

Yes, Bankers Are Still Bastards. Part 3

Yes, Bankers Are Still Bastards. Part 4

Bankers Are Still Bastards. Part 5.

News Flash! Federal Reserve To Pull The Plug, Starting This July?

Silver Is The Buy Of The Century

The Recovery And Re-Enactment Of Social Credit

How The Jewish Lobby Plans To Rule The World By Manipulating The Financial System

Related Resources:

Agenda 21 in Australia,” in Issue 71a of Last Days Watch newsletter, which is on the DvD or online here: 

Politicians Act As Agents Of The United Nations To Enforce Agenda 21 Upon Australians,” in Issue 71a of Last Days Watch newsletter, which is on the DvD or online here: 

[Nazarene Remnant comment: Do you know that Agenda 21 is a vital component of Prince Charles of Wales’s demonic policy against all nations of the world. It has been secretly and deceptively implemented in Australia, by local government councils, for the last 20 years without once consulting the people!? This is why local governments have been consolidated into larger Regional Councils, and also the reason why Julia Gillard’s NWO Government (it is not a Labor Government at all, as Labor has been long taken over by the Zionist Fabian Society by inside traitors such as Bob Hawke, Gough Whitlam, Arthur Calwell, Frank Crean, Geoff Gallop, John Cain, Jim Cairns, Don Dunstan, Neville Wran, Race Mathews, John Faulkner, Julia Gillard, John Lenders, Henry Hyde Champion, John Percy Jones, Nettie Palmer, Ernest Besant-Scott, and Phillip Adams to name just a handful.) is attempting to dupe the Australian people into Constitutional recognition of Local Government. Of course Gillard will paint this as a very desirable thing, but the fact is this potential expensive, unwarranted referendum will extend more power to a Federal Centralised system of governance. This in turn will enable both the Federal Government and Local Councils to allow United Nations aims and objectives such as Agenda 21, without the checks and balance of State Government. The Australian people have twice voted against making Local Councils a further layer of Government.

It is about controlling councils in the name of Local Government so it will have the authority like a dejure government that will tax us out of our houses with carbon taxes, rates, regulations, sustainable development treaties, sustainability partnerships as can be seen on the United Nations and Councils websites.

Local Government and this unlawful partnership are already operating so why would they want our consent now? Especially after 2 referendums we said NO NO NO!

The Federal governments unlawful manipulation, defiance and allegiance to foreign powers creating a monopoly of power and wealth for an elite group of bankers is an indictment of treason and treachery of the highest levels in this country.

The above documents reveal some very disturbing information not just for all Australians, but for the peoples of all the world.]

Also see our book The Usher of Desecration, on the DvD version of this work or online here: 


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The Most Stern Warning in all Scripture ...

We are entering an age that Satanists call the Age of Fire, when they will use every murderous, demonic, vicious, and most cunning tactics and lies to usher in their Nazi Fourth Reich (aka the New World Order). They have made the following point very clear:

“No one will enter the New World Order unless he or she will make a pledge to worship Lucifer. No one will enter the New Age unless he will take a Luciferian Initiation.” (David Spangler, Director of Planetary Initiative, United Nations Organization) ...

Read the Full Article:
The Most Stern Warning in all Scripture

The Warning of the Last Days 

The Warning of the Last Day eBook cover image

"Therefore, behold, I will make them know, this once I will make them know my power and my might, and they shall know that my name is the Lord. The clamour will resound to the ends of the earth, for the Lord has an indictment against the nations; he is entering into judgment with all flesh, and the wicked he will put to the sword." (Jeremiah 16: 21; 25: 31)

Free Download:The Warning of the Last Days

The Usher of Desecration 

Usher:Noun: “Somebody who shows people to their seats, e.g. in a theatre or at a wedding.” Verb: “To inaugurate or introduce (something): usher in a new era.”

Desecration: Verb: “1. To violate the sanctity (of something sacred); to profane (it). 2. To treat (a sacred place) irreverently or contemptuously.” The Penguin English Dictionary, 2nd Edition, 2003.

“If someone was planning to murder you, you would like to know months in advance, wouldn’t you?”

Read the Book:
The Usher of Desecration

The Real Crisis Is About To Unfold and It's Not Financial. 

 Read the Book:
The Real Crisis Is About To Unfold and It's Not Financial

The Time for Talk is Over

“The trip is over folks, we are out of road. I wish I could tell you where you are going. If you don't know or don't have a map, it wouldn't do me much good to try to tell you anyway. One thing is for certain; from here you will walkthe rest of the way. For many it will be to destination unknown. Most are on the way to the City of Despair, in the State of Confusion, located within the Nation of Disgrace. For others, the destination will not be pleasant nor a matter of choice. You get the picture. Those who, ‘take all of your belongings and climb into the truck,’ will weep in utter misery for the personal negligence that they brought upon themselves and their families. You will have paid the ultimate price.

 A prudent [man] foreseeth the evil, and hideth himself: but the simple pass on, and are punished.” (Proverbs 22: 3, KJV)


So,...will you take the final moments God is giving you to step away from your ‘stupid zone’ and do what you should have so long ago? Will you finally make some plans? Will you really sell off your unnecessary toys and purchase the absolutely necessary survival tools that will give you just a chance to make it through? Will you search out the ultimate truth of our predicament and the One who can give you peace, serenity and eternal life? Can you admit that putting a dictator in office was one of your very worst mistakes, and you will try to make amends by resisting him and his communist platform? Will you do all you can to convert your family and friends who also voted for him and others supporting him to work against him in every way possible? That may sting and burn to be told that, but it is far better than the amputation of your limbs that is coming if he continues to dismantle this nation and its last freedoms.

“Procrastination in implementing your family's self preservation plans will be terminal.” [1]


Editorials like these are expected to consume about 1500 words. This is half that. Like I said, the time for talk is over.”


[1] Dr. Greg Evenson


Read the Article:
The Time for Talk is Over

Defining the Spiritual War You Failed To Fight 

Defining the Spiritual War You Failed To Fight cover image

Read the article Defining the Spiritual War You Failed To Fight.

Worldwide Church of God Returns to the Vomit as Grace International 

Worldwide Church oof God Returns to the Vomit as Grace International book cover.

“But it is happened unto them according to the true proverb, The dog [is] turned to his own vomit again; and the sow that was washed to her wallowing in the mire.” (2 Peter 2: 22)

“As a dog returneth to his vomit, [so] a fool returneth to his folly.” (Proverbs 26: 11) 

Discover the part played by the Illuminati Jew, Rupert Murdoch (pictured above), and his Zondervan publishing company, in the destruction of Herbert W Armstrong's Worldwide Church of God.

What Murdoch "... is not is an Australian 'right wing' billionaire. Murdoch, though born in Australia is an Israeli citizen and Jewish. Why is this important?

Murdoch is now admitted to have controlled the political systems in Britain and America for two decades. He has had the power to choose national leaders, make policy, pass laws at will. Where did the power come from?

We now know it came from spying, blackmail, bribery and propaganda." (Veterans Today Senior Editor, Gordon Duff.)

Get the book here.

UFO's Originate in Nazi Antarctic Bases 

Nazi flying saucers thumbnail.

"Perhaps in order to engineer and prepare the global collective psyche to the "great earth-shattering announcement" that may be coming any day now, ... that the US, UK and allies are in contact with "technologically superior beings from other worlds, which do exist after all and we are in contact with them."

Read more here ...

"The only correct term for the mis-called 'anti-Semitic' is 'Jew-wise.' It is indeed the only fair and honest term. The phrase 'anti-Semite' is merely a propaganda word used to stampede the unthinking public into dismissing the whole subject from their minds without examination: so long as that is tolerated these evils will not only continue, but grow worse." (The Nameless War, by Captain Archibald Maule Ramsay, p. 63)

Why Are Christian Men Such Wimps?

“Is it ok if I vent a little today? I’ve built up a little frustration over the past couple of months and I just need a pressure release. Will you let me do it?


As you may be aware I have started a varsity football program at a local Christian High School. Although I vowed to myself that I would never return to prowling the sidelines when I walked away from public education in 2000,the opportunity to train young males to be men was something I could not, in good conscience, run from.


Not all males are men. I hope you understand that. Especially convincing is the evidence I have garnered recently that Christian males in particular are the least manly.



Why Are Christian Men Such Wimps?


How Shall We Tell The Children? 

 "And they shall go into the holes of the rocks, and into the caves of the earth, for fear of the Lord, and for the glory of his majesty, when he ariseth to shake terribly the earth." Isaiah 2:19 (KJV)

How Shall We Tell The Children eBook cover image

"But how shall we tell the children? We probably won't tell them; the knowledge would be too dangerous to the "system" we have developed to ensure our own preservation. As long as they will continue to work in order to support, and in order to die in, for, and because of our system, we will allow as many of them who can do so, to survive until we have lived out our lives in the manner to which we have become accustomed. It has always worked before, so maybe it will continue to work long enough to keep me comfortable until I die. It is a gamble in which the odds are becoming increasingly negative."

How To Get A FREE Copy>>> How Shall We Tell The Children eBook 

How The World Really Works, by Alan Jones 

How The World Really Works cover image

Get A FREE Copy>>> How The World Really Works eBook

The picture which Alan Jones paints in this book is one which you must understand if your efforts in truly understanding how the world REALLY works are ever to amount to anything. We paint that picture by presenting an ordered set of book reviews which identify our enemies and describe the primary strategies and actions which they have taken against us over the last 100 years or so. Our goal in writing the book was to provide an accurate portrayal of that picture within the covers of a single moderate- length book. The 12 chapter titles of How The World Really Works are ... the names of the books being reviewed.

How To Get A FREE Copy>>> How The World Really Works eBook

Secrecy or Freedom, by Alan Jones 

Secrecy or Freedom ebook cover

Get A FREE Copy>>> Secrecy or Freedom eBook

This is Alan Jones' most recent book, published in April, 2001. While countless books have been written revealing yet one more outrage which the New World Order folks have perpetrated on us, Jones has resolved on an entirely different purpose: to define a way of mounting a counterattack on those elites, and not just delay their next victory, but destroy their viability, and take back our country and the world for middle class citizens everywhere. In the same way that an army or a football team will surely lose in the long run if it has only a defense and no offense, we too shall lose our world to the elites if we fail to marshal our resources, mount a viable offense against them, and reduce their present dominance of public affairs to a nullity. To that end, this book goes right back into history to discover their origin, their modus operandi, their strengths, and most importantly, their weaknesses. The exercise has been successful, and reveals a crucial weakness which may readily be exploited. We will, in this web page, outline our search, our major findings, and finally a plan of action to save our country for the benefit, we hope, of a great number of future generations of free citizens. Our historical look will go back 2000 years and beyond. Our sources are not generally well known, are not Nobel prize- winning historians, but nevertheless are historical truth seekers whose researches are uniquely valuable. Each of the chapters of Secrecy or Freedom? carries the title of the historical work which is reviewed in that chapter. In this web page, we will give you an inkling of what is covered in each of these chapters, with the hope that these few words will lead you to order our book, carefully absorb its contents, and then join in our proposed action plan to take back our country.

How To Get A FREE Copy>>> Secrecy or Freedom eBook

How I Clobbered Every Bureaucratic Cash-Confiscatory Agency Known To Man, by Mary Croft 

You're an asset of the state. You're duped into entering the world of commerce and finance and trapped in imaginary debt bya brilliant but simple con. When you see your name written in UPPERCASE LETTERS it has a very different meaning to the one your parents gave you. This is an amazing ebook. We highly recommend it.

Click here to download

Classy Beauty, 25, Seeks Man Making $500K 

 Classy Beauty, 25, seeks man making $500M.

Reply to "Classy" Beauty,25, who advertised on Craig's List for a Man Making $500K.

The Answer ...

I read your posting with great interest and have thought meaningfully about your dilemma. I offer the following analysis of your predicament. Firstly, I'm not wasting your time, I qualify as a guy who fits your bill; that is I make more than $500K per year.

Read the Answer the "Classy" Beauty Got

"If liberty means anything at all, it means the right to tell people what they do not want to hear." - George Orwell (1903-1950)

We [the Jews] infiltrated  the Roman Catholic Church right from the very beginning.

“Regarding the Jesuits, quoting Rabbi Finkelstein: “We [the Jews] infiltrated  the Roman Catholic Church right from the very beginning. Why do you think the Pope, the Cardinals and all the Bishops wear yarlmulkahs? (skullcaps) The white race never figures this out. A thousand years later the white race began to wake up ... we had to come up with a plan B ... so we formed the Jesuits. There was a nice boy, Ignatius Loyola. He started the Jesuits.” (Loyola was Jewish. Research/read the Jesuit Extreme Oath.)”

(From The Real History of the Earth. Why in Hell is All This Happening Again? by David Thatcher.)

False Flag Operations or "False flag terrorism" occurs when elements within a government stage a secret operation whereby government forces pretend to be a targeted enemy while attacking their own forces or people. The attack is then falsely blamed on the enemy in order to justify going to war against that enemy.

False Flag Operations

John Taylor Gatto's "The Underground History of American Education"

"If we ever needed a battering ram to pull down the evil structure of compulsory public schooling, this book should be able to do the job. The book calls for a revolution. But not a violent one. It can be won easily and peaceably by merely taking the kids out of the public schools. It's still legal to do so. That would change America radically. But the pessimists will say that most parents are too brain-dead to care what goes on in the public schools. Those parents who do care have already gotten their kids out and are homeschooling them. But we know that every day more and more parents are beginning to see the light. That's encouraging." (Samuel L. Blumenfeld)

Read more: 
John Taylor Gatto

Democracy Is An Illusion 

"The argument that the two parties should represent opposed ideals and policies, one perhaps of the Right, and the other of the Left, is a foolish idea acceptable only to doctrinaire and academic thinkers. Instead, the two parties should be almost identical, so that the American people can 'throw the rascals out' at any election without leading to any profound or extensive shifts in policy... But either party in office becomes in time corrupt, tired, unenterprising, and vigorless. Then it should be possible to replace it, every four years if necessary, by the other party, which will be none of these things but will still pursue, with new vigor,approximately the same policies". (Carroll Quigley, Tragedy and Hope, 1966, p. 1247-48)

Democracy Is An Illusion

Why Men are So Attracted to Foreign Women 

Have you ever wondered why men are so attracted to foreign (non-Western) women? Have you heard from a friend lately that her ex fiancee is now looking for a Russian bride or that a male relative is engaged to a Filipina? And, do you scoff at that and put it down to these men being 'desperate' and those women as just wanting a ticket into the country?

Why You Shouldn't Get Involved With a Married Man [or Woman]
Here's a question that's been sent to me recently about a woman wondering if she should get involved with a married man. Here's my reply telling her why you shouldn't get involved with a married man! This woman's name has been changed to remain anonymous.

What You Should Know About Swine Flu 

What You Should Know About Swine Flu eBook cover image

"These are challenging times and we need to stay calm and think things through - not just panic and react. Fear, panic and emotional reaction got us into this mess and it is certainly not going to get us out of it.

We also need to realise - here, now - that  we have long crossed the line into a fully-fledged  fascist dictatorship. It has hidden itself to most people this far, but it is about to lift the veil.

It is no longer an option to do nothing or passively acquiesce to authority out of fear or apathy. Or, at least, it's not if we care about our freedoms and, most importantly, those of our children and grandchildren who will have to live almost their entire lives under a global jackboot of sheer, undiluted evil.

The word 'evil' is much overused and I don't say it lightly; but we are dealing with evil in the sense that the word is the reverse of 'live'. Those behind the conspiracy to cull the human population and turn the rest into little more than computer terminals are anti-life. They have no respect for it and no empathy with those who suffer the consequences of their actions, no matter how appalling.

I have been warning of what was coming for nearly 20 years and it is not 'coming' any more - it's here. No more excuses from anyone, please. We have to deal with it. We have to draw a line in the sand and say no more.

Never was this more important than with  the conspiracy to force swine flu vaccination upon the global population. The swine flu virus was created in a laboratory to generate  mass panic with the specific intention of forcing everyone to have the vaccine. Problem-Reaction-Solution. This 'natural' swine flu virus apparently contains genes from humans, birds and pigs from several continents.

If you concoct and release a virus and then implement a clearly long-planned mass vaccin-ation programme, there can be only one sensible conclusion: swine flu is not the biggest danger here - it's the vaccine." (David Icke)

Free Download: What You Should Know About Swine Flu 

This Has to be the Definitive Report on the Vaccination Hoax.  

“The only safe vaccine is a vaccine that is never used.” – Dr. James A. Shannon. National Institutes of Health.

Are you scared when you’re told you have to vaccinate your child with 49 doses in 14 vaccines before age 6? Or are you scared at the idea of not vaccinating and so “exposing” your child to serious illnesses?

Are you scared about the school threatening you that if you don’t vaccinate you can’t enrol your child?

FEAR. That’s what all these pro-vaccine campaigns are based on. As a parent, what’s the biggest scare of all? When your child gets sick with a serious disease and you feel responsible for that. As you see, vaccine supporters couldn’t go wrong with this and developed a dogma that’s been bought over and over again over the years by people. The magic insurance policy to solve it all.

So, even if your child gets sick, at least you know you did everything you could for his/her health and vaccinated, right? But what if the very vaccination is able to cause the illness in the first place??

Could The Vaccine Hoax Be Over?

An extraordinary paper published by a courageous doctor and investigative medical researcher has dug the dirt on 30 years of secret official transcripts of meetings of UK government vaccine committees and the supposedly independent medical “experts” sitting on them with their drug industry connections.

The 45 page paper with detailed evidence can be downloaded here.

Also see the short article about this report in Issue #65a of our newsletter Last Days Watch, which is here.

Wolves in Sheep's Clothing 

"Beware of false prophets, which come to you in sheep's clothing, but inwardly they are ravening wolves"  (Matthew 7: 15)

Vicious wolf

"For such are false apostles, deceitful workers, transforming themselves into the apostles of Christ. And no marvel; for Satan himself is transformed into an angel of light. Therefore it is no great thing if his ministers also be transformed as the ministers of righteousness; whose end shall be according to their works." (2 Corinthians 11: 13-15)

We are Facing Orwellian, Totalitarian Slavery 

That's what they want to impose on us. That's the reason behind all the national identity cards, DNA data bases, surveillance cameras, GPS tracking devices in cars and trucks and cell phones, digital micro-chipping of everything from A to Z, Internet surveillance and censorship, telephone taps, body and luggage searches and scans at airports, finger printing of air travelers and bank customers, interrogations at airline boarding gates, intrusive banking regulations, and much more. The Powers That Be are branding and penning up the global "human herd" in just the same way that cattle ranchers tag their cattle herds with ear tags and fence them into feed lots to fatten them up for slaughter. The Powers That Be regard us as their livestock, as their personal property, and they are in the process of branding us, tagging us, and penning us up, so that they can manage us like cattle or swine. Our plight is that stark and simple.


So do you want to be a slave or free? That's the question. Because if you want to be free you're absolutely going to have to do something about it. Millions of people are going to have to go outside of their comfort zone, that's the hard truth of the matter, because the status quo is simply not remotely acceptable for people who want to live as free human beings on this planet.


Don't imagine that you can just vote in the next criminally rigged election and a new set of corrupt politicians will somehow magically make things better. THEY WON'T. The galling thing is that the Powers That Be have set up a global system to which they insist we assiduously adhere and obey every corrupt dictate they issue, while they themselves flagrantly flout the Constitution with impunity, and never cease massively enriching themselves and their plutocrat cronies, and rolling in corrupt luxury, at our ruinous expense.


This pathetic charade will continue only as long as the people permit it, because when the people declare a de facto Jubilee Year, the jig will be up. As a matter of fact, that process is already underway. It is a simple truth that unemployed people cannot service a loan, cannot pay a tax bill, and cannot pay a fine that is imposed on them for failure to do any of the foregoing. So as the unemployed rolls continue to swell, more and more people will simply refuse or fail to make credit card payments, to pay back home, automobile and student loans, and will default on furniture, appliance and pay day loans, and much more. This is already happening and the trend will increase.”


Read the Full Story:
Hidden in Plain Sight 


The Manipulated Man

The Manipulated Man book cover.

Are You Laughing Yet, or Would You Forward this Email on to a Friend or Relative? 

The Email "Are You Laughing Yet?"

Pass this very insightful email on if you think it has merit. If not then just discard it ... no one will know you did. But, if you discard this thought process, don't sit back and complain about what bad shape the world is in.

The Plain Truth About Glorious Carbon Dioxide 

"Nature is a self-regulating mechanism that dwarfs any mindless effort to 'control' the amount of CO2 produced by coal-fired utilities, steel manufacturers, autos and trucks, and gasoline fueled lawn mowers. Okay, children, let's all sit up straight at our desks. We are going to begin 2009 with a lesson about carbon dioxide (CO2)." (Alan Caruba)

The Oil, Gas and Energy Crises are Massive Hoaxes  

Lindsey Williams' book cover,

Lindsey Williams, a Baptist minister and author of the 1980's book The Energy Non-Crisis (on line) has been reporting inside information about oil price-manipulation for many years now, and generally the information has been accurate.

According to Pastor Williams, the Globalists are fomenting rebellion as an excuse to raise the oil prices to $150-200 a barrel.

Pastor Williams revealed in his book that the US has huge untapped oil reserves that the elites have known about for decades. After manipulating the oil prices  to around $200 a barrel, we will finally see these US oil reserves opened for production.

The Oil, Gas and Energy Crises are Massive Hoaxes

"Anyone not preaching coming out of the state church and the government system is a false prophet."(Neal King,

Christ's Flag is The Union Jack 

The Union Jack.

The Union Jack

The Australian and New Zealand flags go back much further than the 200 years you probably are aware of. Notice the most prominent symbol on all these flags is the eight-pointed cross. This 8 pointed cross consists of two different four pointed crosses (the x and the + crosses) that are superimposed!

The Australian National Flag.

Australian Flag

The New Zealand National Flag.

New Zealand Flag

Their heraldic  symbolism goes back 3,500 years; to the time of Moses and Joshua, the great Israelite (not Jewish) Military-Commanders.

The vertical cross on the flag is for the Great Cross that is formed at critical times in the Galaxy, and this is called the Galactic Cross. T  he diagonal cross stands for the Earth Cross. The Earth cross is the cross of the Zodiac, while the Galactic Cross is the intersection of the Galactic Equator with the Ecliptic and its perpendicular axis.

Four times during the Great Year (which is 25,920 years long)--i.e. every 6,480 years--the Earth Cross aligns with the Galactic Cross to form a single four-pointed cross in the sky. This is what will occur on December 21, 2012, which will herald the end of the "Dark Cycle."

For more information download Part I and Part II of Jan Wicherink's "Great Celestial Conjunction Crosses" reports.  These reports are also in our free book The Prophet Daniel and December 21, 2012.

The red on the flag stands for human blood, and the white stands for the Birthright Holy Spirit, which does the work of redemption (i.e. the born-again process), thus changing a sinful human being into a true blue-blood (i.e. the Elect). Blue is the colour of Sirius, and the Creator God of ancient Khemit (Egypt) known as Ptah (who we call God the Father). In this process it is important to know that there are 216 bones in the human body, and the blood is actually made in the bones!

Furthermore, the science of Khemitology reveals that Ptah was referred to as “He Who Comes from the Blue,” and was always depicted with a blue head covering or with blue skin.

What race was Ptah depicted as?

In the depictions of Ptah from ancient Khemit (the proper name for ancient Egypt) “Ptah is usually depicted with Asian eyes, a Caucasian nose, and Negroid lips. He apparently represents many races as the ‘Father’ or progenitor race from Sirius. Ptah became known as Dyas or Zeus to the Greeks, and later ‘pater’ (father) to the Romans: Ptah, Pater, ‘Father Race.’” (Source: Stephen S Mehler’s The Land of Osiris: An Introduction to Khemitology, Adventures Unlimited Press, 2001, p. 180)

It is also noteworthy that Egyptologist’s word for the bright star Sirius is Sopdet (Sp.dt). According to the science of Khemitology, the Egyptologists have it wrong (and I would heartily agree), and the word should be S.pth, which is Sa-Ptah, “The Birthplace of Ptah.” Thus we see the clear connection between God the Father and the eighth planet of the Solar System, the bright star Sirius.

For more information on the names of the Messiah and God the Father, and these flags, see our free book The God Messiah Worships.

The Heraldic Symbolism of the Unicorn on the British Coat-of-Arms

British coat of arms.

The British Coat-of-Arms is the Coat-of-Arms of the 12 tribed Kingdom of Israel and Christ their Rightful KING.

The TRUE Israel People have, on their "Coat-of-Arms", a Lion and a Unicorn which is shown as a white horse "rampant" with one horn. The amber Lion "rampant" on the left-side is the emblem of the two-tribed "House of Judah" and the Unicorn or white Wild-Ox "rampant" on the right-side is the emblem of the ten-tribed "House of Israel", collectively making the 12-tribed "Kingdom of Israel".

The word British is Hebrew. It means "the People of the Covenant" or in other words "the People Israel", whose written Constitution; under that Covenant, that they have rejected to their own loss; is written in the Bible (Israel's Book) that they still swear on to tell the Truth, but whose Constitution, under which there are no poor people, is then foolishly rejected by almost everyone, in favour of inferior and unjust, man-made laws and economics which cause poverty and therefore also crime brought about by deprivation and desperation.

Read More.

Compare the imposter Antichrist's Coat-of-arms (below) ...

The Antichrist's coat-of-arms.

The lion facing the East stands for the Zodiacal Sign of Leo, the 12th Sign in the Birthright Zodiac. The unicorn stands for the Constellation of Pegasus in the Zodiacal Sign of Aquarius. Both animals are holding the Shield of Salvation, or the Shield of Damnation, depending upon your attitude to God and your way of life, whether you are in rebellion or submission.

Consequently the Lion stands for the White Crown of Upper Egypt, while the Unicorn stands for the Red Crown of Lower Egypt. While the symbols may have changed, the meaning has remained the same over the Millenia.

The Bible is Not a Jewish Book 

The statement is commonly made, even by those who should know better, that “we Christians owe a debt to the Jews, for we got our Bible, and our religion, from them.” While many people have been deceived into believing this, it is completely false.  Part of the mistake comes from the complete confusion in the minds of nearly all people as to just what they mean by “Jew.” Are they referring to people of a certain race? Or people of a certain religion? For the two are not the same.  There are in Africa today some pure-blooded Negroes who are Jews by religion and there are in China today some pure-blooded Mongolians who are Jews by religion. Likewise, there are some people today who are racially of the stock we know as Jews, but who have been converted to other religions.

Read the Full Article:
The Bible is Not a Jewish Book

How Many Men are Necessary to Change a Crime into a Virtue? 

“In another pamphlet, entitled How Many Men are Necessary to Change a Crime into a Virtue? Adin Ballou [another champion of non-resistance] says: ‘One man may not kill. lf he kills a fellow-creature, he is a murderer. lf two, ten, a hundred men do so, they, too, are murderers. But a government or a nation may kill as many men as it chooses, and that will not be murder, but a great and noble action. Only gather the people together on a large scale, and a battle of ten thousand men becomes an innocent action. But precisely how many people must there be to make it so?- that is the question. One man cannot plunder and pillage, but a whole nation can. But precisely how many are needed to make it permissible? Why is it that one man, ten, a hundred, may not break the law of God, but a great number may?” (Quoted in Leo Tolstoy’s book, The Kingdom of Heaven Is Within You, p. 6.)

"Don't think for a moment you are going to vote the Illuminati out of office. They control the major and minor political parties. They control the process of government, they control the process of information flow, they control the process of creating money and finally they control Christendom. (However, God controls the hearts of His people.)" (From The Top 13 illuminati Bloodlines, by Fritz Springmeier)
Woe Unto You Lawyers! (and Policemen) 

"Of all the specialized skills abroad in the world today, the average man knows least about the one that affects him most – about the thing that lawyers call The Law. A man who will discourse at length about the latest cure for streptococci infection or describe in detail his allergic symptoms cannot begin to tell you what happened to him legally – and plenty did – when he got married. A man who would not dream of buying a car without an intricate and illustrated description of its mechanical workings will sign a lease without knowing what more than four of its forty-four clauses mean or why they are there. A man who will not hesitate to criticize or disagree with a trained economist or an expert in any one of a dozen fields of learning will follow, unquestioning and meek, whatever advice his lawyer gives him. Normal human skepticism and curiosity seem to vanish entirely whenever the layman encounters The Law.

There are several reasons for this mass submission, One is the average man’s fear of the unknown – and of policemen."

“Telling the story of the rise of Communism [Nazarene Remnant comment: This term Communism needs to be replaced by the word Satanism, because we now know that this term was chosen to hide the underlying devotion to Satan that drives these people. End NR comment] means revealing the histories of the worst of the criminals involved at the time. But this is necessary, for without knowledge of the secrets of evil, we cannot properly develop the good, either. As the Swedish philosopher Henry T. Laurency wrote: ‘Only he who knows evil knows good.’ 
Then we shall appreciate goodness above everything else on earth.Then we may really be able to welcome the truth, even if it is frightening and dismiss lies, even if they are pleasant.” (Juri Lina, Under the Sign of the Scorpion, p. 63)