Australia needs to manufacture motor vehicles…

By Andrew Mackinnon

Australia needs to have its own manufacturer of motor vehicles again, now that it no longer manufactures any motor vehicles in the country.  Japan hosts car manufacturing, similarly South Korea, the United States of America, Germany, France, China, Russia and the United Kingdom.  Multiple African countries also host car manufacturing – Algeria, Egypt, Ghana, Kenya, Morocco, Nigeria, South Africa, Tunisia and Uganda.

Car manufacturing is right up near the apex of manufacturing, which is probably occupied by aircraft manufacturers.  Innovative Australian minds need something to apply their skills to.  It wouldn’t be difficult at all to build a superlative range of motor vehicles in Australia because the overwhelming majority of vehicles manufactured around the world today are poorly designed. Front-wheel drive vehicles are an engineering abomination that account for at least 60% of all motor vehicles manufactured worldwide today.  Toyota makes cars that are so ridiculously curvy that at least 20% of the potential cargo space in their vehicles is eviscerated.  Mercedez-Benz vehicles have an absurd number of unnecessary, complicated electronic systems that make them very difficult and very expensive to maintain.

I suggest an Australian car manufacturer named “Boxcar”.  Its point of difference would be the boxy design of its vehicles which maximizes their cargo space.  Instead of wildly curved sides that intrude upon potential cargo space, its sides would be mostly vertical, including its rear.  It costs a lot of money to acquire and run a motor vehicle, so it makes logical sense that its cargo space should be as large as possible to enable the vehicle to carry as much as possible.  Why would anybody want to spend all that money on their car, only to find that they can’t fit a fridge in the back?

It would be ideal for Boxcar vehicles to be made of aluminium, in order to resist corrosion and minimise weight (thus maximising their power to weight ratios), but I defer to the experts on the need for steel in the structural parts of the chassis.

Boxcar vehicles would be rear-wheel drive or four-wheel drive or all-wheel drive.  Engines would only be mounted with their crankshafts parallel to the sides of the vehicles, unlike many ghastly front-wheel drive vehicles today.

Rear-wheel drive or four-wheel drive or all-wheel drive vehicles with their engines mounted in this way are easier to maintain than front-wheel drive vehicles because the timing belt is accessible at the front of the engine bay and is therefore easier to replace. Replacement of the timing belt at the required service interval is critically important for many vehicles. Failure to replace the timing belt at the required service interval can lead to engine failure, necessitating the replacement of the engine.

There is one very important reason why front-wheel drive vehicles became the standard to be followed in the middle of the 1980s, so that the majority of passenger vehicles produced today are front-wheel drive. Front-wheel drive vehicles are more difficult to work on, making it more difficult for vehicle owners to perform their own maintenance and repairs, which would save them many thousands of dollars in the medium to long term on maintenance and repairs.

The engines that would power Boxcar vehicles would ideally be diesel engines, both reducing the risk of fire in an accident (since diesel fuel is not easily ignited) and allowing them to run on recycled cooking oil.

The transmission of the Boxcar vehicles, whether manual or automatic, should not be bolted on to the rear of the engine, but should instead be positioned just in front of the rear wheels near the rear of the vehicle. The differential would bolt on to the rear of the transmission and would drive the two rear axles (ie. constant velocity joints) that drive the rear wheels.

For vehicles with manual transmissions, the clutch would attach to the fly wheel at the rear of the crankshaft of the engine in the normal way. It would be covered by a bell housing. A propeller shaft would transmit rotational power from the engine at the front of the vehicle to the manual transmission near the rear of the vehicle. Vehicles with automatic transmissions would have a similar kind of layout except that the clutch is absent.

There are two very important advantages to positioning the transmission, whether manual or automatic, in front of the rear wheels near the rear of the vehicle.

Firstly, the weight distribution of the vehicle is dramatically improved. Instead of most of the weight of the vehicle being in the front half of the vehicle, predominated by the engine and transmission, weight is more evenly distributed between the front and rear of the vehicle. It is common knowledge that many rear-wheel drive vehicles whose transmissions are bolted on to the rear of the engine suffer from a lack of traction at the rear wheels and deficient handling as a result of a lack of weight at the rear of the vehicle.

Secondly, it is much easier to change the clutch on a vehicle whose manual transmission is positioned in front of the rear wheels near the rear of the vehicle than on a vehicle whose manual transmission is bolted on to the rear of engine. This is because one only has to remove the lightweight bell housing from the rear of the engine, after first removing the propeller shaft, in order to change the clutch on a vehicle whose manual transmission is positioned in front of the rear wheels near the rear of the vehicle. There is no need to remove and replace the very heavy manual transmission.

A good example of a vehicle whose transmission is positioned in front of the rear wheels near the rear of the vehicle is the Volvo 360, which was manufactured by Volvo from 1976 to 1991.

The rear suspension of Boxcar vehicles should be so over-engineered that the rear axles never break no matter what conditions and stresses they’re subjected to.

To open the rear hatch of any vehicle and find that there is a lip, being a difference in height between the bottom of the hatch when closed and the level of the cargo space in the rear of the vehicle, is asinine. The bottom of the rear door or doors of the vehicles that Boxcar would produce (such as two barn doors of equal size) should be at the same height as the level of the cargo space in the rear of the vehicle, so that items can be easily moved into and out of this cargo space.

Most motor vehicle manufacturers around the world today design their vehicles to wear out prematurely so that the owners will be forced to buy overpriced spare parts in order to maintain and repair them. Boxcar could earn itself a stellar reputation by designing its vehicles to last as long as possible, thus winning over the hearts and minds of people who have long since abandoned car ownership to shield themselves from this chicanery which has been going on for decades.

It is a national embarrassment that the most popular vehicles in Australia, the Toyota Corolla, the Toyota Camry, the Toyota Hilux and the Toyota Landcruiser, are all designed and manufactured many thousands of kilometres away in Japan.

I look forward to the day when the most popular vehicles in Australia are designed and built in Australia by Boxcar.

This is why the Australian economy isn’t working…

By Andrew Mackinnon

The economy in Australia was going very badly last year before the bushfires started that the government lit to distract attention away from the failing economy and before the latest Coronavirus hysteria to provide a scapegoat onto which to project the blame for the failing economies all around the world.  In Australia, the banks create money when they lend and then charge interest on it. This is the same in most countries around the world. However, the citizenry is waking up to this scam and is therefore reluctant to borrow from the banks. This has caused the size of the money supply in Australia to decrease since money is created when the banks lend and since money is destroyed when principal lent by the banks is repaid. As a result, there is insufficient money in circulation to support economic activity in Australia.  This is why the economy is languishing.

In fact, Australian citizens were reluctant to borrow from the banks even back in the 1990s in the aftermath of the recession of 1989 to 1991.  The Australian government has always responded to this reluctance not by acknowledging that the interest charged on money lent by the banks that they create out of nothing is unconscionable and unjust, but by bringing new citizens into Australia via mass immigration in the hope that they would borrow from the banks to make up the shortfall in borrowing.  It has been doing this for the past thirty years.  We are now in a situation where the Chinese who have come into the country don’t want to be in debt; the Indians who have come into the country don’t want to be in debt and the existing Australian citizens certainly don’t want to be in debt either.  Nobody wants to be in debt and why would they?  People are not stupid, even if the Australian government and the Jewish-controlled media have deliberately made it very difficult to understand how the banking system in Australia actually works.

In Australia, when banks lend for any purpose, they create that money and the size of the money supply subsequently increases.  The banks debit their loans asset account for the amount lent to signify the debt owing to them and they credit their deposits liability account to provide their customers with the amount they have lent to them so that their customers can utilise those funds in the bank accounts that they hold with the banks.  When principal lent by the banks is repaid, the customer’s deposit account out of which the payment is made decreases by the amount of the principal repaid so that the money supply in Australia decreases by this same amount.  The customer also makes interest payments out of his or her deposit account in the course of repaying the money borrowed.  These payments are credited to the revenue account of the bank that lent the customer the money and are used to pay the salaries of bank employees, with the remainder constituting the bank’s profit, out of which dividends are paid to the shareholders of the bank so that they can share in this interest revenue also.

The Reserve Bank of Australia was established in 1959 via the Reserve Bank Act.  It commenced operation early the next year on 14th January, 1960, just over 60 years ago.  The purpose of the Reserve Bank of Australia has always been to maximize the interest revenue collected by the banks under its authority, which were first publicly owned then later privately owned by shareholders.

In 2015, in Australia, which had a population of about 24 million people at the time, about $30 billion dollars was paid to the staff who run the banks and another $30 billion was earned in profits for the shareholders of these privately-owned banks, all courtesy of the fraud of interest charged on money created out of nothing and lent to the citizenry.  That’s a total of $60 billion in one year paid in interest to the banks by Australian citizens on money that the banks created out of nothing and lent to them. It’s the equivalent of $3,185 paid in 2015 by every adult citizen of Australia aged 18 years and over to the banks in interest. Around 78.5% of the population of 24 million in 2015 was aged 18 years and over, being around 18,840,000 citizens.

97% of the money in circulation in Australia, constituting the money supply, is money created by the banks when they lend for any purpose.  The other 3% is physical notes and coins.  The majority of this 97% arises from mortgage lending.  The majority of the money that banks create is the result of mortgage lending.  Mortgage lending constitutes the majority of bank lending.  When a bank lends money to a customer as a mortgage with which to purchase real estate, the customer pays the overwhelming majority of the amount borrowed to the seller of the real estate that the customer chooses to purchase.  Apart from stamp duty paid on the real estate purchase by the customer to state governments, commissions paid to real estate agents on the sale of the real estate by the seller and perhaps renovations of the real estate purchased, carried out by the customer using part of the money they have borrowed from the bank to fund their purchase of the property, the only way that newly created money as a result of mortgage lending is going to make its way into the economy and into the hands of Australian citizens is if the seller whose house has been purchased as a result of that mortgage lending spends the money they receive as a result of selling their house.  If they predominantly invest the money in assets such as real estate or shares, then the majority of the money is not going to find its way into the economy involving the day to day transactions of the majority of Australian citizens.

This problem has been even further exacerbated by the inflation of house prices as a result of increased demand for housing via mass immigration and via concessions made to property ‘investors’ (who borrow from the banks so that they can ‘invest’) via negative gearing so that they will be able to afford the repayments on their mortgages for their ‘investment’ properties, which they otherwise wouldn’t be able to afford.  They wouldn’t otherwise have sufficient cash flow to afford the repayments.  As a result of the inflation of house prices, the proportion of money in circulation in Australia as a result of mortgage lending by the banks is even higher.

In Australia, we need a money supply in which a large proportion of the money supply didn’t come into existence as a result of lending.  There are activities that occur on a regular, consistent and ongoing basis in order to support the lives of Australia citizens, such as the growing and distribution of food, the production and distribution of electricity and the accumulation and distribution of water and gas, to name just a few.  These activities need to be supported by a large proportion of the money supply that didn’t come into existence as a result of bank lending but instead came into existence as a result of government spending over time, such as payment by the government of the salaries of citizens employed in the public service in Australia.

The problem that many Australian citizens are currently experiencing is that there is insufficient money in circulation as a result of a decline in borrowing by Australian citizens from the banks.  In addition, the supply of money that is in circulation does not offer stable support to their day-to-day economic activity.  Because 97% of the money in circulation is created via bank lending, the size of the money supply is in a constant state of change.  When principal is lent by the banks, the money supply increases in size.  When principal is repaid by borrowers, the money supply decreases in size.

In contrast, money that is in circulation as a result of government spending can only be taken out of circulation if the government decides to destroy money that it has collected via taxation because it believes that there is too much money in circulation which is causing excessive inflation of prices.

The way money is created in Australia needs to change.  The Australian government should be responsible for money creation, not the privately-owned banks.  The size of the money supply in Australia shouldn’t depend on citizens borrowing money.  The only entity that should have the authority to create money in Australia and control the size of the money supply in Australia is the Australian federal government which would create money via a publicly-owned Australian Federal Bank by spending it into circulation or lending it to Australian citizens or Australian businesses for any purpose, including mortgages.  The Australian Federal Bank would not charge interest when it lends, however it would need to charge a rate in the vicinity of 0.5% to 1% on all lending to cover the incidence of default on the loans by the borrowers.  This rate would be different for different types of lending, such as mortgages and business loans.  The sole purpose of this rate would be to cover the incidence of default on loans (ie. non-repayment of principal borrowed), not to profit from the lending.

There would have to be some mechanism for limiting government lending to the citizenry since the publicly-owned Australian Federal Bank would create all of the money that it lends so that the money supply increases when it lends. Unrestrained lending would lead to a rapidly increasing money supply and associated inflation of prices.

Citizens would be able to borrow in order to buy a house to live in and possibly a holiday house but they wouldn’t be allowed to borrow in order to buy a house as an investment to rent out in order to earn income. Investment would need to be funded out of savings, including houses and shares to name just two investments.

The amount that the Australian Federal Bank would lend to any given citizen for any given purpose, such as buying a house to live in, would be limited by factors such as the income of the citizen and the size of the deposit that the citizen has saved towards the purchase, with zero dollars obviously being the minimum possible size of the deposit saved. The Australian Federal Bank would decide upon the multiple of any given citizen’s income (such as three times) to lend to them for any given purpose, such as buying a house to live in or buying a motor vehicle.

If necessary, the Australian government could also create money and bring it into circulation in order to increase the money suppy by giving the money to the citizenry in proportion to the amount of net tax they’ve paid during their lives, defined as tax paid minus money received from the government in this manner as a result of money creation by the government.

The Australian Federal Bank would be run on a not-for-profit basis whereby the cost of running its operation would be covered by transaction fees and account keeping fees that reflect the true costs incurred by the bank to process transactions and maintain the accounts of Australian citizens, Australian businesses and other entities such as publicly-owned utilities, public service organisations and local government areas.

There would no longer be any need for the Australian government to borrow money by issuing government bonds to those from who it borrows, as is currently the case.  This borrowing needs to repaid with interest (ie. principal and interest) out of taxation revenue, paid by the citizenry, when the Australian government could easily create this money to fund its spending requirements without requiring the citizenry to repay it via taxation or pay interest on it via taxation.

Our current predicament in which privately-owned banks create money out of nothing when they lend and then charge interest on it is a Jewish fraud whose perpetrators are committed to protecting it at all costs.  The Coronavirus hoax has been instigated worldwide in order to provide a reason for the failing economies around the world which draws attention away from the real reason – insufficient money in circulation in countries all around the world as a result of insufficient borrowing from the privately-owned banks by citizens in countries all around the world who rightfully view the banks with distrust and disdain.

Providing a sound monetary system for the citizenry is one of the most important services that a sound government is obligated to provide.  There is absolutely no reason whatsoever why any money in circulation should obligate citizens to pay interest on it, whether interest to privately-owned banks or interest to bondholders.  When citizens pay interest to privately-owned banks as a result of money borrowed, they receive nothing of value in return, because the money lent to them was created out of nothing by the banks.  This is a cleverly-disguised system of slavery whereby the citizenry work to earn the money required to pay the interest without receiving anything of value in return for that money.  The recipients of the interest paid, being the bank employees and the shareholders of the banks, use the interest paid to buy the goods and services that the citizenry produce in the course of earning the money to pay the interest.  This is a massive transfer of wealth from those paying the interest to those receiving the interest.  Over the course of repaying a mortgage on a house, a borrower from a privately-owned bank under our current banking system pays in the vicinity of 80% of the principal amount borrowed in interest to the bank.  This borrower repays the principal amount borrowed and also pays an additional amount to the bank as interest equivalent to around 80% of the principal amount borrowed.

If the principal amount borrowed is $500,000, the total amount repaid to the bank over the life of the mortgage is around $900,000.  When the bank lent the $500,000 principal, a bank employee processed the paperwork and typed the $500,000 into a computer so that this money, created out of nothing with a few keystrokes, was available in the account of the borrower.  In return for this negligible amount of work to lend the $500,000, the bank is repaid $900,000, which includes $400,000 in interest.  About half of the interest of $400,000 is paid to bank employees as salaries and the remaining $200,000 is booked as profit, out of which dividends are paid to the bank’s shareholders.

We have been living under slave conditions for decades now.  The Coronavirus hysteria is intended to keep us in slave conditions by providing a reason for the failing economies around the world which distracts from the real reason – the Jewish fraud of interest charged by the banks on money created out of nothing when they lend.  The Jewish perpetrators of the Coronavirus hysteria intend to start new monetary systems in countries around the world in the aftermath of this hoax which similarly enshrine this Jewish fraud as their centerpieces.

Buying a house is not the only major milestone Australians are delaying

Source: The Sydney Morning Herald

Author: Matt Wade

Date: 1st December, 2019

smh.com.au/national/buying-a-house-is-not-the-only-major-milestone-australians-are-delaying-20191129-p53fjb.html

Comment from Andrew Mackinnon on this article:

The Australian government has done everything possible over the past four decades to discourage Australian citizens from getting married and having children.  As a result, the birth rate in Australia has declined dramatically over this time.  The Australian government, acting on behalf of the Rothschilds-led synagogue of Satan, actively sought this decline in the birth rate in order to provide the justification it needed to dramatically increase immigration from China, India and other Asian countries.  Its ultimate strategy behind immigration into Australia is to displace and replace the existing Anglo-Saxon population of Australian citizens and its Christian culture and heritage.  The ultimate target of this subversion is the expression of Christian faith in Australia and the accompanying sovereignty of Australia.

The Rothschilds-led synagogue of Satan wants to merge Australia into an Asia-Pacific Union including China, India, Australia and other Asian countries.  The Australian government is using mass immigration into Australia from China and India in order to change the racial composition of its population and make it easier to establish an Asia-Pacific Union, ruled over by world government.

The author of this article, Matt Wade, secretly has Jewish ancestry and secretly self-identifies as Jewish (like Scott Morrison and Ross Gittins, to name just two others) which is why he is absolutely committed to supporting a false mainstream media narrative which obscures the real reasons for Australia’s declining birth rate over the past four decades.  It’s not difficult to look into Matt Wade’s eyes and see somebody who is wholeheartedly committed to obfuscation.

The Australian government has utilised several different methods to reduce the birth rate in Australian over the past forty years in order to provide the justification it needed to dramatically increase immigration from China, India and other Asian countries into Australia.

The Australian government has approved a very bloated secondary school curriculum which means that students don’t finish secondary school until the age of eighteen years.  It should be sixteen years of age, two years earlier. Naturally, this leads to a delay in the age at which Australian citizens get married and have children. The legal age of adulthood should be lowered from eighteen years to sixteen years and citizens should be eligible to obtain a provisional drivers license at the age of sixteen years, not seventeen years.

The Australian government has approved the operation of single-sex schools, particularly single-sex secondary schools, in which males and females are cruelly separated from each other during their teenage years.  Single-sex schools serve to dramatically reduce the capacity of the students who attend them to relate effectively to their peers of the opposite gender, so that when they finish secondary school at the age of eighteen years, they are unprepared for adult life and must learn to relate effectively to their peers of the opposite gender as fully-grown adults.  This naturally postpones the age at which Australian citizens have been getting married, which should be around the age of 20 to 24 years.

The Australian government has approved the distribution of pornography throughout Australian society, starting in earnest in the 1980s.  During the 1980s, hard-copy pornography was distributed via newsagents and petrol stations throughout Australia.  Despite its immense political influence at that time, the Jewish-controlled Church of England in Australia, also known as the Anglican church, approved of this subversion and did nothing to stop it.  Widespread exposure to this material among adolescent males, particularly males attending single-sex schools, reduced their ability to relate effectively to their peers of the opposite gender, which led to a delay in the age at which they later married while they learned how to relate to females in a healthy and wholesome way.  Of course, hard-copy pornography has now been replaced by internet pornography, which is probably a large part of the reason why the internet was established for use by the general public in the first place.

The increase in the cost of university education has meant that it takes university graduates longer to save up for a deposit in order to buy a house because their income is reduced by the increased repayments for their university education.  This leads to a delay in purchasing a house which, in turn, leads to a delay in getting married and having children, since most people want to get married and own their own home instead of rent and be answerable to a landlord.  The permanency of the marriage relationship is best suited, in the eyes of most married couples, to a permanent place to live which is owned rather than rented.

The Australian government has deliberately inflated house prices over the past four decades with the explicit objective of making it more difficult for Australian citizens to own their own homes so that they are less likely to get married and have children.  The principal ways in which it has achieved this objective have been by allowing the banks to lend for the purpose of the borrowers buying ‘investment’ properties, which has increased demand for ‘investment’ properties (dubiously financed with borrowings instead of savings like investment should be), the introduction of negative gearing in the mid-1980s (by allowing property ‘investors’ to deduct their losses against unrelated forms of income like salaries from employment, making ‘investment’ properties more affordable) to increase demand for ‘investment’ properties and mass immigration over the past three decades to dramatically increase the population of Australia and thereby increase demand for housing in general.

It is completely obvious that the Australian government has waged open warfare as a representative of the Rothschilds-led synagogue of Satan against the institution of marriage over the past four decades.  It has done everything possible to prevent Australian citizens from settling down, getting married and enjoying the unparalleled bliss of sexual relations in marriage between husband and wife as the analog on earth of the union of Jesus Christ and the church in heaven.

Our fear of China is not loathing

Source: The Sydney Morning Herald

Author: Peter Hartcher

Date: 30th November, 2019

smh.com.au/politics/federal/our-fear-of-china-is-not-loathing-20191129-p53fiv.html

Comment from Andrew Mackinnon on this article:

The author of this article, Peter Hartcher, secretly has Jewish ancestry and secretly self-identifies as Jewish (like Scott Morrison and Ross Gittins, to name just two others) which is why, in spite of anything he writes pretending otherwise, he is absolutely committed to Australia being swamped as a result of mass immigration from China as a means of facilitating its inclusion in an Asia-Pacific Union, including China, India, Australia and all of the other Asian countries. An Asia-Pacific Union is required by the Rothschilds-led synagogue of Satan in order to establish world government ruling over the various intended unions of the world. (The synagogue of Satan also wants to establish a North American Union, including the United States of America, Canada and Mexico. It has already established a European Union, a South American Union and an African Union.)

Five years ago, there were Australian citizens complaining about mass immigration from China and about non-citizens being legally allowed by the Australian government to purchase and own real estate in Australia, such as citizens of China who are not citizens of Australia. They were unceremoniously ignored by the mainstream media in Australia, such as the Sydney Morning Herald, who took great delight in censoring the comments that these Australian citizens submitted for publication on their websites, by deleting them and refusing point-blank to publish them.

Five years later, now that a larger proportion of Australians have realised the manner in which their country has been trampled upon as a result of mass immigration from China and as a result of Chinese ownership of Australian assets, like real estate, ports and electricity infrastructure, the media sits up and takes notice. This article is Peter Hartcher’s attempt to pretend to care about the damage that Australia has sustained over the past three decades as a result of its entanglement with China – a communist country that ruthlessly dominates its citizenry and which habitually suppresses freedom of expression of Chinese citizens who adhere to the Christian faith.

Peter Hartcher asks, “What to do, exactly?”, in relation to China’s increasing domination of Australia economically through ownership of Australia’s real estate, ports and electricity infrastructure and culturally through mass immigration from China which has swamped Australia with Chinese and caused widespread congestion, as well as escalating house prices over the past two decades due to increased demand for housing from non-citizens of Australia, who have been legally allowed by the Australian government to own real estate in Australia, in spite of their lack of Australian citizenship.

“What to do, exactly?” It’s really very simple:

1. Prohibit non-citizens from owning real estate in Australia.

2. Deport non-citizens from Australia, including Chinese non-citizens.

3. Restrict immigration to people who can speak, read and write English and who aren’t of Chinese, Indian, otherwise Asian or African ethnicity and who aren’t Muslims. (Policy on refugees is separate and should include not participating in wars that create refugees, such as World War I, World War II, the Korean war, the Vietnam war, the Afghanistan war, the Iraq war and the Syria war, and helping refugees in their country of residence where possible.)

4. Stop all trade with China or limit trade with China to that which is in the best interests of Australia.

5. Buy back Chinese-owned assets in Australia, such as real estate, ports and electricity infrastructure.