Saturday 27 December 2014

" Christmas Wishes to an Alleged Rape Victim ? "

Sent: Saturday, December 27, 2014 3:10 PM
 
Sent: Saturday, December 27, 2014 2:56 PM
Cc: Pierrette.Kelly@aph.gov.au ; Rachel Siewert ; Richard Colbeck ; Richard Di Natale ; Richard Marles ; Ricky Muir ; Rob Mitchell ; Robert Borsak MLC ; Robert Brown MLC ; Roza Sage ; Sam Dastyari ; Sam Dastyari ; Sarah Hanson-Young ; Scot Macdonald MLC ; Scott Buchholz ; Scott Ludlam ; Scott Morrison ; Scott Ryan ; Senator Canavan ; Senator Hellen Polley ; Senator Joe Bullock ; Senator Sean Edwards ; Senator Zed Seselja ; senator.gallacher@aph.gov.au ; Senator.O'sullivan ; senator.rhiannon@aph.gov.au ; Shane Dowling ; Shane Rattenbury ; Sharon Bird ; Sharon Claydon ; Sharon Grierson ; Simon Birmingham ; Sophie Cotsis ; Stephen Conroy ; Stephen Jones ; Stephen Parry ; Stuart Robert ; Sue Lines ; Susan Ley ; Suzanne Kay (Sue) Boyce ; Tanya Plibersek ; Terese.Mayer@aph.gov.au ; Thomas.McCrudden@aph.gov.au ; Tim Watts ; tony abbott ; Tony Burke ; Tony Zappia ; Trevor Khan MLC ; Warren Entsch ; Warren Truss ; Wayne Swan ; Will Hodgman
Subject: Fw: " Christmas Wishes to an Alleged Rape Victim? "
 
Sent: Saturday, December 27, 2014 2:47 PM
Cc: Jill Hall ; Jillian Skinner MP ; Joanne Ryan ; Joe Hockey ; John (MP) Cobb ; John Alexander ; John Cobb ; John Faulkner ; John Forrest ; John Hogg ; John Kaye ; John Madigan ; John Williams ; john.robertson@nswlabor.org.au ; Josh Frydenberg ; Julie Bishop ; Julie Collins ; Justine Elliot ; Kangaroo Court of Australia ; Kate Ellis ; Kate Lundy ; Kate.Barker@aph.gov.au ; Katy Gallagher MLA ; Kelvin Thomson ; Kevin Anderson MP ; Kevin Andrews ; Kevin Humphries ; Kim Carr ; Lara Giddings ; Larissa Waters ; Laurie Ferguson ; Linda Burney ; Linda Reynolds ; Lisa Chesters ; Louise Clare Pratt ; Louise Markus ; Luke Hartsuyker ; Mal Brough ; Malcom Turnbull ; Maree.Kent@aph.gov.au ; Maria Vamvakinou ; Marie.McMullen@aph.gov.au ; Marise Payne ; Mark Butler MP ; Mark Coulton ; Mark Dreyfus ; mark.quinn@greens.org.au ; Mathias Cormann ; Matt Thistlethwaite
Subject: Fw: " Christmas Wishes to an Alleged Rape Victim? "
 
Sent: Saturday, December 27, 2014 2:38 PM
Cc: Bridget McKenzie ; Bronwyn Bishop ; Bruce Billson ; Bruce Scott ; C.Pyne ; Carol Brown ; Catherine King ; Cathy McGowan AO ; Cathy.Lovern@aph.gov.au ; Catryna Bilyk ; Chris Bowen ; Chris Hayes ; Chris Ketter ; Chris.Bourne@aph.gov.au ; Christine Milne ; Christopher Back ; Christopher Evans ; Christopher.Browne@aph.gov.au ; Claire Moore ; Clive Palmer MP ; Colin.Pryce@aph.gov.au ; Concetta Fierravanti-Wells ; Cory Bernardi ; Darren Chester ; David Bushby ; David Fawcett ; David Johnston ; David Leyonhjelm ; David Shoebridge ; Dean Smith ; Deborah O'Neill ; Dennis.Jensen ; Dennis.O'Riely@aph.gov.au ; Dio Wang ; Don Page ; Doug ; Dr Andrew Leigh ; Dr Jim Chalmers ; Duncan Gay ; Ed Husic ; ElectorateOffice.BlueMountains@parliament.nsw.gov.au ; Emma.Garbutt@aph.gov.au ; Eric Abetz ; Federal Greens Office ; Fiona Nash ; Fiona.Ward@aph.gov.au ; Fred Nile MLC ; Gai Brodtmann ; Gai.Coghlan@aph.gov.au ; Gary Gray ; Gavin Marshall
Subject: Fw: " Christmas Wishes to an Alleged Rape Victim? "
 

( Me at my place )
I am coming out loud and proud and declaring the following:
1. I am an Aussie white bloke of European descent!
2. I am heterosexual!
3. Although non religious I tend to believe in the so-called Christian values/belief!
Mike's Comments 26/12/2014.
 
Subject: " Christmas Wishes to an Alleged Rape Victim ? "
 

English Queen Elizabeth.
 
People regardless what you might think about having a Foreign English Queen as our Head of State and that person wishing you a Merry Christmas & A Happy New Year you obviously realise that it is nothing personal and accept the wishes as you would from anyone else.
 

Tony Abbott PM and wife Margaret.
 
I believe generally that this would be the same when our PM Tony Abbott and wife Margaret also wished you a Merry Christmas & A Happy New Year regardless whether you voted for him or not or the way you believe he is running the country.
 

Kathy - Alleged Rape Victim.
 
However ? how would you feel if you were Kathy a 44-45 year old NSW Nurse watching on TV one of the most powerful and influential men in Aussie who you allege raped you as a (16) year old and where you sincerely believe that the Victoria Police did not do their investigations thoroughly and the Aussie major media chose to turn a blind eye and some what ignore your plight because of this blokes political power and overall influence in Aussie and this bloke being the illustrious Teflon Bill Shorten our Union & Labor Federal Opposition Leader and potentially our next PM wishing you a Merry Christmas and a Happy New Year??
 
Pretty sick I would have thought??.
 

Teflon Bill Shorten Alleged Rapist.
 
Then to add insult to injury the major media in general accept Teflon Bill Shortens pathetic attempt to in his words " Draw a line under it " and refuse to discuss the matter without question leaving Kathy no doubt feeling used and humiliated??

 

Peter Faris QC.
 
That is why I hope this Victorian QC Peter Faris is able to help Kathy get her day in court because this has nothing from my point of view to do with politics - although I would not trust Teflon Bill Shorten to run the school tuck shop let alone a 2 - 3 trillion dollar economy - this is all about ensuring that the rich, powerful and influential like this bloke Teflon Bill don't get the cream when it comes to common every day justice and fair play and the rest of us plebbs get the rough end of the pineapple??
 
However until that happens I like many people like me are not going to let this matter rest and as of today the 26/12/2014 over a period of some 10 and a half weeks I have received some 12,078 page views of my blog posts - over a 1000 per week and growing - about 35% USA, 25% Aussie and the rest from Russia,China across to the Middle East, Africa, Europe, Uk, Canada, South American Countries and back down to New Zealand and many in between and this does not include the many viewers/readers that download my posts and forward them on? plus ofcourse Face Book and the 100's including the Bcc's where these emails go directly to their inboxes.
 
Now some could skeptically state well so what with that circulation??
 

The Philosopher Confucius.
 
To that I believe the great Philosopher Confucius stated quote: " From the movement of the smallest pebble can an avalanche grow " unquote.
 

A Rock Avalanche.
 

David and Goliath.
 
This " David and Goliath " or " Kathy and Bill " battle is far from over as it should not be because no matter who is right or wrong this great nation of ours cannot allow any injustice to flourish based on political or otherwise influence! power! or financial resources because injustice has a ravenous, voracious appetite and there is no knowing what it will consume next??
 
However people if you are content to let the " Goliaths " of this world do what they want! when! how and how often! then don't whinge when they give you and/or your friends and loved ones a kick in the guts you don't recover from!!!.
 
Mike Howe.
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Monday 22 December 2014

" Michael Brown, Ferguson, Missouri - Thug or Angel ? "

 
 
Sent: Monday, December 22, 2014 7:51 PM
Subject: Fw: " Michael Brown, Ferguson, Missouri - Thug or Angel? "
 

 
Sent: Monday, December 22, 2014 7:41 PM
Cc: Pierrette.Kelly@aph.gov.au ; Rachel Siewert ; Richard Colbeck ; Richard Di Natale ; Richard Marles ; Ricky Muir ; Rob Mitchell ; Robert Borsak MLC ; Robert Brown MLC ; Roza Sage ; Sam Dastyari ; Sam Dastyari ; Sarah Hanson-Young ; Scot Macdonald MLC ; Scott Buchholz ; Scott Ludlam ; Scott Morrison ; Scott Ryan ; Senator Canavan ; Senator Hellen Polley ; Senator Joe Bullock ; Senator Sean Edwards ; Senator Zed Seselja ; senator.gallacher@aph.gov.au ; Senator.O'sullivan ; senator.rhiannon@aph.gov.au ; Shane Dowling ; Shane Rattenbury ; Sharon Bird ; Sharon Claydon ; Sharon Grierson ; Simon Birmingham ; Sophie Cotsis ; Stephen Conroy ; Stephen Jones ; Stephen Parry ; Steven Ciobo ; Stuart Robert ; Sue Lines ; Susan Ley ; Suzanne Kay (Sue) Boyce ; Tanya Plibersek ; Terese.Mayer@aph.gov.au ; Thomas.McCrudden@aph.gov.au ; Tim Watts ; tony abbott ; Tony Burke ; Tony Zappia ; Trevor Khan MLC ; Warren Entsch ; Warren Truss ; Wayne Swan ; Will Hodgman
Subject: Fw: " Michael Brown, Ferguson, Missouri - Thug or Angel? "
 
 
Sent: Monday, December 22, 2014 7:29 PM
Cc: Jenny Gardiner MLC ; Jeremy Hanson ; Jill Hall ; Jillian Skinner MP ; Joanne Ryan ; Joe Hockey ; John (MP) Cobb ; John Alexander ; John Cobb ; John Faulkner ; John Forrest ; John Hogg ; John Kaye ; John Madigan ; John Williams ; john.robertson@nswlabor.org.au ; Josh Frydenberg ; Julie Bishop ; Julie Collins ; Julie Owens ; Justine Elliot ; Kangaroo Court of Australia ; Kate Ellis ; Kate Lundy ; Kate.Barker@aph.gov.au ; Katy Gallagher MLA ; Kelvin Thomson ; Kevin Anderson MP ; Kevin Andrews ; Kevin Humphries ; Kim Carr ; Lara Giddings ; Larissa Waters ; Laurie Ferguson ; Linda Burney ; Linda Reynolds ; Lisa Chesters ; Louise Clare Pratt ; Louise Markus ; Mal Brough ; Malcom Turnbull ; Maree.Kent@aph.gov.au ; Maria Vamvakinou ; Marie.McMullen@aph.gov.au ; Marise Payne ; Mark Butler MP ; Mark Coulton ; Mark Dreyfus ; Mathias Cormann ; Matt Thistlethwaite
Subject: Fw: " Michael Brown, Ferguson, Missouri - Thug or Angel? "
 
Sent: Monday, December 22, 2014 7:22 PM
Cc: Bridget McKenzie ; Bronwyn Bishop ; Bruce Billson ; Bruce Scott ; C.Pyne ; Catherine King ; Carol Brown ; Cathy McGowan AO ; Cathy.Lovern@aph.gov.au ; Catryna Bilyk ; Chris Bowen ; Chris Hayes ; Chris Ketter ; Chris.Bourne@aph.gov.au ; Christine Milne ; Christopher Back ; Christopher Evans ; Christopher.Browne@aph.gov.au ; Claire Moore ; Clare O'Neil ; Clive Palmer MP ; Colin.Pryce@aph.gov.au ; Concetta Fierravanti-Wells ; Cory Bernardi ; Darren Chester ; David Bushby ; David Fawcett ; David Johnston ; David Leyonhjelm ; David Shoebridge ; Dean Smith ; Deborah O'Neill ; Dennis.Jensen ; Dennis.O'Riely@aph.gov.au ; Dio Wang ; Don Page ; Doug ; Dr Andrew Leigh ; Dr Jim Chalmers ; Duncan Gay ; Ed Husic ; ElectorateOffice.BlueMountains@parliament.nsw.gov.au ; Emma.Garbutt@aph.gov.au ; Eric Abetz ; Federal Greens Office ; Fiona Nash ; Fiona.Ward@aph.gov.au ; Fred Nile MLC ; Gai Brodtmann ; Gai.Coghlan@aph.gov.au ; Gavin Marshall
Subject: " Michael Brown, Ferguson, Missouri - Thug or Angel? "
 

( Me at my place )
I am coming out loud and proud and declaring the following:
1. I am an Aussie white bloke of European descent!
2. I am heterosexual!
3. Although non religious I tend to believe in the so-called Christian values/belief!
Mike's Comments 22/12/2014.
 
Subject: " Michael Brown, Ferguson, Missouri - Thug or Angel? "
 
People if we believe the majority of the USA main stream media we have this delightful (18) year old innocent black child Michael Brown of Ferguson, Missouri who was supposedly killed by a cop in self defence and who's Mother and family have now become famous while the black yanks - or African Americans as they are referred too - and do gooders mourn and demonstrate and destroy plus loot property because of the way this poor sweet giant of a child was killed.
 

Michael Browns Mother currently.
 

The public image that stirred the public's passion.
 
Just after this incident hit the media a video went viral showing this huge mongrel thug going into a shop or convenience store as the yanks call them - managed/owned by what looked like small Asian people where it clearly showed this mongrel take handfuls of what I gather were cigarillos with no intention of paying for them and when he was challenged by an employee half his size he violently pushed the poor bloke aside and just walked out followed by his mate laughing!!
 
This video was condemned and removed from the media and not to my knowledge played again in the main media anyway?? WHY??
 
A police officer named Darren Wilson responded to the robbery in his vehicle and found Brown and his mate walking along a road and seemingly after challenging Brown and his mate Brown seemingly attacked the cop while he was still sitting in his vehicle and tried to get hold of the cops gun he was not successful he ran off followed by the cop on foot and one thing led to another without going into a lot a detail the cop shot and killed this mongrel because even though Brown was unarmed the cop stated that he was some what scared of Brown because he was so big and powerful and was not running away but approaching the cop in a very menacing way and the cop was cleared!
 
Now who was right and who was wrong is in my view not the issue it is how the public and the media handled the matter which again in my view and if you go through social media my view is certainly not alone if not popular the situation was used politically and socially as pro black and the cop involved guilty regardless and this huge criminal thug put over as a family/Mother loving innocent black child taken before his time??
 
However the terrible abduction, rape, torture, maiming and eventual death by either being shot and the burning of the young white male named Christopher Newsom or the terrible suffocation of his young white female partner named Shannon Christian while being dumped in a garbage bin in Tennessee in 2007 by (4) black blokes and a black female was virtually ignored by the major media? and as such as far as I am concerned this is political correctness, racialism and undue powerful influence at it's extreme!!
 
This I believe is what is happening in good old Aussie as far the media is concerned with a special mention of the ABC!
 
If there are any problems effecting minority groups - Aboriginals, refugees, asylum seekers, gay, homosexuals, Muslims etc; the media especially the ABC go into over drive!!
 
If the Aussie Union & Federal Labor Opposition Leader Teflon Bill Shorten is accused of raping a (16) year old girl and the major media goes into black out or lock down over it even after a pathetic attempt by Teflon Bill Shorten to attempt to bury it by " Drawing a line under it "!! how is that for power & influence???
 
This is how I believe Michael Brown of Ferguson, Missouri should be remembered!!
 

Yep I agree!!
 
Ok people if you are prepared to accept this as a norm then don't whinge when either you and or your loved ones or friends don't get the same consideration by the media especially the ABC.
 
Mike Howe.








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Sunday 7 December 2014

" Bank Term Deposits - Rip Off !! "

 
Sent: Monday, December 08, 2014 12:30 PM
 

 
Sent: Monday, December 08, 2014 12:20 PM
Cc: Richard Colbeck ; Richard Di Natale ; Richard Marles ; Ricky Muir ; Rob Mitchell ; Robert Borsak MLC ; Robert Brown MLC ; Roza Sage ; Sam Dastyari ; Sam Dastyari ; Sarah Hanson-Young ; Scott Buchholz ; Scott Ludlam ; Scott Morrison ; Scott Ryan ; Senator Canavan ; Senator Hellen Polley ; Senator Joe Bullock ; Senator Sean Edwards ; Senator Zed Seselja ; senator.gallacher@aph.gov.au ; Senator.O'sullivan ; senator.rhiannon@aph.gov.au ; Shane Dowling ; Shane Rattenbury ; Sharon Bird ; Sharon Claydon ; Sharon Grierson ; Simon Birmingham ; Sophie Cotsis ; Stephen Conroy ; Stephen Jones ; Stephen Parry ; Steven Ciobo ; Stuart Robert ; Sue Lines ; Susan Ley ; Suzanne Kay (Sue) Boyce ; Tanya Plibersek ; Terese.Mayer@aph.gov.au ; Thomas.McCrudden@aph.gov.au ; Tim Watts ; tony abbott ; Tony Burke ; Tony Zappia ; Trevor Khan MLC ; Warren Entsch ; Warren Truss ; Wayne Swan ; Will Hodgman
Subject: Fw: " Bank Term Deposits - Rip Off!! "
 
 
Sent: Monday, December 08, 2014 12:11 PM
Cc: Jill Hall ; Jillian Skinner MP ; Joanne Ryan ; Joe Hockey ; John (MP) Cobb ; John Alexander ; John Cobb ; John Faulkner ; John Forrest ; John Hogg ; John Kaye ; John Madigan ; John Williams ; john.robertson@nswlabor.org.au ; Josh Frydenberg ; Julie Bishop ; Julie Collins ; Julie Owens ; Justine Elliot ; Kangaroo Court of Australia ; Kate Ellis ; Kate Lundy ; Kate.Barker@aph.gov.au ; Katy Gallagher MLA ; Kelvin Thomson ; Kevin Anderson MP ; Kevin Andrews ; Kevin Humphries ; Kim Carr ; Lara Giddings ; Larissa Waters ; Laurie Ferguson ; Linda Burney ; Linda Reynolds ; Lisa Chesters ; Louise Clare Pratt ; Louise Markus ; Luke Hartsuyker ; Mal Brough ; Malcom Turnbull ; Maree.Kent@aph.gov.au ; Maria Vamvakinou ; Marise Payne ; Mark Butler MP ; Mark Coulton ; Mark Dreyfus ; Mathias Cormann ; Matt Thistlethwaite
Subject: Fw: " Bank Term Deposits - Rip Off!! "
 
 
Sent: Monday, December 08, 2014 12:04 PM
Cc: Bridget McKenzie ; Bronwyn Bishop ; Bruce Billson ; Bruce Scott ; C.Pyne ; Carol Brown ; Catherine King ; Cathy McGowan AO ; Cathy.Lovern@aph.gov.au ; Catryna Bilyk ; Chris Bowen ; Chris Hayes ; Chris Ketter ; Chris.Bourne@aph.gov.au ; Christine Milne ; Christopher Back ; Christopher Evans ; Christopher.Browne@aph.gov.au ; Claire Moore ; Clare O'Neil ; Clive Palmer MP ; Colin.Pryce@aph.gov.au ; Concetta Fierravanti-Wells ; Cory Bernardi ; Darren Chester ; David Bushby ; David Fawcett ; David Johnston ; David Leyonhjelm ; David Shoebridge ; Dean Smith ; Deborah O'Neill ; Dennis.Jensen ; Dennis.O'Riely@aph.gov.au ; Dio Wang ; Don Page ; Doug ; Dr Andrew Leigh ; Dr Jim Chalmers ; Duncan Gay ; Ed Husic ; ElectorateOffice.BlueMountains@parliament.nsw.gov.au ; Emma.Garbutt@aph.gov.au ; Eric Abetz ; Federal Greens Office ; Fiona Nash ; Fiona.Ward@aph.gov.au ; Fred Nile MLC ; Gai Brodtmann ; Gai.Coghlan@aph.gov.au ; Gary Gray ; Gavin Marshall
Subject: Fw: " Bank Term Deposits - Rip Off!! "
 

( Me at my place )
I am coming out loud and proud and declaring the following:
1. I am an Aussie white bloke of European descent!
2. I am heterosexual!
3. Although non religious I tend to believe in the so-called Christian values/belief!
Mike's Comments 8/12/2014.
 
Subject: " Bank Term Deposits - Rip Off !! "
 
People I have some moderate Term Deposits with all the major banks.
 
However when I consider the fact that as a low income old age pensioner I rarely - if ever - pay any income tax which I believe speaks volumes in regards to the very poor returns I receive on the majority of my investments and that being bank term deposits.
 
Now I am not particularly singling out the ANZ Bank however as I renewed a term deposit that I have had with them for many years last Friday the 5/12/2014 they are very current in my mind in regard to what I believe is a blatant rip off and that is the poultry sum these banks give us for our
hard earned savings in the way of the interest on our term deposits!
 
On the 21/11/2014 I received notification dated the 14/11/2014 that my term deposit which was invested at ( 3.15%) for (7) months was maturing on Sunday the 30/11/2014.
 
Then on Friday the 5/12/2014 I received another notification dated the 28/11/2014 stating that my term deposit had matured on Sunday the 30/11/2014 and quote " Your current instructions for payment of principle and interest are set out below" unquote and ofcourse I had not given any instructions to that effect especially as according to the notification they (ANZ) had reinvested my funds at (2.50%) which is (.2%) above the national current third quarter inflation figure of (2.3%) and (0.65%) below my previous rate of ( 3.15%) for a further (7) months?
 
However ANZ then go on to state quote " You have a seven day grace period starting on 30th November 2014 ( A Sunday banks closed ) in which you can change any of the above instructions. If we don't hear from you within the grace period, your ANZ Term Deposit will reinvest automatically according to the instructions above " unquote.
 
Now bear in mind people that the seven day grace in not working days and as day (1) the 30/11/14 was a Sunday and day (7) the 6/12/14 was a Saturday both days when the bank was closed means I hardly have (7) days plus add insult to injury I received the reinvestment on the 5/12/2014 the last possible bank working day to change it!
 
Now I find that the quickest way to renew my term deposit is go up to the counter and get the tellers to do it because in the Tamworth ANZ it takes to long to wait for the so-called ? bank consultants in the side offices - in fact twice now over a period of time I have had to go and remind them that I am sitting waiting outside their always busy working on their computers or some such thing?
 
However this time there were quite a number of people waiting to see the tellers and I got caught by this young blonde bimbo who came out and asked me what I wanted and after I informed her she insisted that she serve me as it was her job not the tellers.
 
Well first up she refused to give me a print out of the days term deposit rates so I could review them! but when I insisted she got me half a sheet she had torn off the top half?? so I could not see them - ? no old bloke dressed like a cocky was going to tell her what to do!! and that was her attitude from then on!!
 
When I complained that (2.50%) was only about (0.2%) above the inflation rate and even if I accepted the (2.95%) it was ( 0.2% ) below the (3.15%) I was getting before and that this was a blatant rip off and I was going backwards at a rate of knots!!
 
Ok she stated if your not happy with that you could switch over to an ANZ Progress Saver which was currently paying (3.15%)??
 
Now people I have learned the hard way over my (74) years plus banks only lend you an umbrella on cloudless sky days! and you must always read the very! very! fine print!!
 
When I asked this bimbo what the base rate was of this ANZ Progress Saver ? you ready for this - she stated ( 0.05%)? so I was going to rely on the good graces of the ANZ Bank for the additional bonus of ( 3.10%) plus the fact that I would only get that if I ensured I deposited a minimum of ($10 ) per month and no withdrawals otherwise goodbye bonus hello (0.05%) interest on my hard earned funds!! and it was up to me to be aware what the banks going rate was which would have meant me checking either daily and no less than weekly ? to see if the bonus issue had declined to on par or less than the (2.50%) standard base rate and then switch back to term deposits?? what a pain in the bum!!
 
However she stated if your not happy with that she could cancel the term deposit and put the funds into my account - in other words piss off smart arse your annoying me!!
 
Well it was Friday afternoon and the last day I could change my mind and it would take a least (3) days to get the funds into my St George Account so reluctantly I accepted the (2.95%) over (6) months however I did state that in future I will note on my diary the pending maturity date and make sure I check with the other banks before I come into reinvest!! bimbo - not happy " Jan " look on her face.
 
Afterwards I went into the Commonwealth Bk Tamworth where I could have got (3.5%) and St George where I would have got say (3.15%) for the same periods and funds - it pays to shop around!!!!
 
Now ? why am I boring you with all this too much information??
 
Ok well I am not singling out as I said before the ANZ Bank because at one stage or the other I have been a customer - and still are in some cases - where with the exception - well to date anyway?? - of St George I find they are all a bunch of robbing bastards!! and just to emphasise the point have a look at the following from the ANZ web sites where my hard earned funds in the shape of a term deposit are going towards funding the ANZ record full year profit of 7.3 billion - yep that is billion! - up by (15%) on the same period last year while they pay me and 10's of 1000's of others I am sure our miserly (2.95%)-
 
1. The ANZ Progress Saver as already stated here ? we contribute to the (3.10%) bonus!
2. The ANZ Online Saver Account. For (3) months at a standard rate of (2.50%) with our  contribution to the bonus of (1,20%) making (3.70%) then reverts back to a base rate of (2,50%).
3. Let's look at the loans that we term depositors help fund-
Variable personal loan - from 13.69%.
Fixed        "            "    - From 13.95%.
Car Loans                   - From 8.44% to 9.29%.
Overdraft                    - From 13.26%.
Home Variable             - From 5.88% to 5.98%.
Home Loans - Fixed    - From 1 year 4.79% or 5.35%.
                                               10 year 7.54% or 7.18%.
My credit card - Purchases - Interest Rate 18.79% p.a ( 0.0514% daily )
                        - Cash Advances - Interest Rate 20.99% p.a (0.0575% daily)
                        - Balance Transfers - Interest Rate 18.79% p.a ( 0.0514% Daily)
 
This is ofcourse apart from the exorbitant salaries and bonuses paid to the Directors, Management and staff plus these unproductive, non-revenue generating cost centres commonly known as head offices?
 
Then ofcourse the share holders have to be catered for which in many ways includes the Directors, Management and staff who also have shares in the company - double dip so to speak.
 
Let's look at the meager profits these poor souls made for 2013 - 2014 -
 
ANZ had a record full year profit of ($7.3) billion - yep billion!! up (15%) on a year ago!!
 
National Banks Profit poor buggers was down (9.8%) ? some trouble in the UK I gather so they
only made ($ 5.18) billion - shame don't you feel sorry for them??
 
Commonwealth Bank now? I don't know whether or not this is a miss print because I have checked it twice? but they only made ($8,631) million not billion -? bet their not " Happy Jan ".
 
Westpac - their year end to the 30/6/2014 they made ($ 7.6 ) Billion up (8%).
 
St George & B.T their cash earnings were up (12%) to ($4.48) billion.
 
I look on us 10's of 1000's of term deposit holders as being at the pointy end of an upside down pyramid where this massive base called a banking industry is resting on our shoulders and we have very little reward from it that all goes else where!!
 
In fact the rates of return are not only pathetic but are an insult and tantamount to treating us with contempt!!
 
Resolution???
 
More competition!! much more competition!! the major banks have become very arrogant!!
 
However people if your happy with that or are to apathetic to care ?? don't whinge when you get into your late 70's and 80's and you have to take a job as a janitor, night watchman, Lolly Pop and/or Stop Go Man because your nest egg put away for your retirement has disappeared through no fault of your own??
 
Mike Howe.
 
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