If there were any added ideas readers failed to consider, ideas that federal government and bank governor fear warnings are often ignored when at least once a week media reporting indicates property asset prices are quickly rising, because warning fears don't soon after find reality, that human behaviours are being conditioned from early childhood not to be overly influenced by warnings. If and when events turn for the worst, indebted consumers can't say they weren't warned, failing to blame governments for worsening free market economic environments.

The availability of property assets up for sale, real estate industry turning over property assets at up to 950 properties on a single weekend mentioned by one news media late in 2016. Low wage inflation and lost employment of one of two household family wage earners, finds 20% deposit saving used to purchase property are lost or significantly reduced after being unable to service mortgage loans, placing property assets back onto the property market, to pay out mortgage loans or renegotiate mortgage loan servicing.

I say free market forces are lying excuses, removing responsibility from many establishment controlled entities. That employees have good paying employment merely to earn enough money to make saving for a 20% deposit to buy into a property, worth the effort, giving people a dream. Yet as most people are aware, workers may have up to five employment careers in their lifetime. That unemployment in between wage earned employment will happen, as did happen after 2008, that presently: low wage growth; rising motor fuel costs; rising electricity bills; rising insurances premiums; rising council rates charges... will wage earners ability to save for a buffer to be used during unemployment between employment. That future employment careers may offer lower wages than that of wages earned at the time mortgages were taken out. That by reducing overtime/Sunday penalty rates, lowers estimated incomes, placing strain on many debt repayments.

I suggest employees are targeted whether names are chosen from a hat or not, to be fired from wage earning employment, placing mortgage servicing at risk, many strained by debt borrowers having to place property assets back onto the market. Most people ignoring such fearful conspiracy ideas will quickly believe, governments would not let that happen. I quickly point my finger at evidence at 1987 share market crash, Paul Keating's statement “we don't want to go back into a 1930s depression” reducing interest rates down to my memory of 4% variable interest rate. Two years of property buying and investment company investing. Paul Keating stating the world is calling Australia “a banana republic”, raising interest rates to 20% for almost two years, RBA statistics not beginning to show bond rate evidence until 1992, when bond rates were shown to be moving down. 11% unemployment, borrowers forced to sell property at fire sale prices. Governments (not excluding Labor party) are the main criminal when sabotaging workers wealth creation intentions.

Ideas should be considered, that rather than a quick interest rate rise 1989 to 1992 example, that low wage inflation reducing in debt mortgage holders ability to save a buffer between employment careers and that one of two household wage earners losing wages, that establishment controlled business employers fires employees whom are servicing mortgage loans as to force property back onto the property market keeping property turnover moving forwards, I say is not past the ethical/criminally minded intentions of the establishment. That it is not merely banks unethical yet legal behaviours to trick loan applicant borrowers into over estimated loan borrowing as to eventually bankrupt borrowers... devilish tactics don't end there. That banks knowing borrowers limits during property auction bidding, “could” send in false bidders to bid up the price of property, ensuring increased debt on borrowers interest repayments.

That school education is designed to prevent working class from formulating conspiracy ideas, even after Paul Keating gave “the recession Australia had to have” that mortgage servicing providers court by Paul Keating's recession, can't believe the two years prier to the recession, that interest rates were lowered using faked 1987 market crash, that everything is a devilish lie. That television evangelists warnings to be aware of the devil, the devil will trick you, should not be ignored. I recommend readers, merely imagine all: news readers; finance reporters; and politicians with devil horns to remind readers of the value of information being heard and/or being read... “The devil is in the details”.

February 23, Qantas reported a 25% fall in its half-year profit, could provide an excuse to fire a number of staff to increase future profit reports, fired employees strained by mortgage payments placing property up for auction while property prices are holding at record valuations.

School education's dummying/holding child-like human intelligence to a Neanderthal emotional sports loving intelligence, allowing working class to be easily preyed upon. That school educated Neanderthals are difficult to convince using Homo-Sapien intelligent arguments, media are the enemy of the people, by media being influenced by an devil ideology establishment to limit listeners thought processes to the simplest ideas.

steve101

Breaking Records: record low interest rates lasting a record length of time, giving Australia a record debt to GDP; record number of woman working in the work force, certainly a record percentage of women to men seen on television news reporting; most probably a record number of immigration intake. With all the fiscal effort to keep interest rates low, very little past mentioned ideas (that I have heard) to why often heard federal bank governors (US fed) have said interest rates will rise yet nothing happens, which I suggest is a manipulating tactic to persuade indebted people to save money rather than confidently spend money.

Record period of record low interest rates:
http://www.abc.net.au/news/2016-12-06/the-end-of-record-low-interest-rates/8097858

Record debt-to-GDP:
http://www.tradingeconomics.com/australia/government-debt-to-gdp

Record number of women:
http://www.wgea.gov.au/wgea-newsroom/record-high-female-employment

I speculate a problem exists that many loan borrowings are buying pre-existing buildings. The many builders and contractors are renovating existing properties before and after sales: Modernising/renovating existing buildings; destroying existing buildings to build new more modern dwellings consuming limited building materials, such development does not increase the number of dwellings supply occupied by families.

The idea of increasing immigrant intake to increase GDP building dwellings, in the short term, is merely over crowding existing immigrants, which has been mentioned by one television news report.

Mechanisation of: house frames; roof trusses; windows; Kitchens. New ideas on concrete slab foundations; mentioned by media, a shortage of brick layers. Plus, high raise buildings use half as much labour to create a dwelling for occupied dwellers to live in, compared to the same number of people living in a single house on a single quarter acre block of land. That extended years of education, any accumulated debt by university studying, to obtain many employment occupations 50 years ago didn't require a university degree... and the cost of living, is delaying two income family couples first child birth and the number of children couples have, to that of 50 years ago previous generations.

My one point being that boom period high turnover finance lending at low interest rates is consuming spare household spending money. That resent retail women's clothing franchise/chain businesses closing due to lack of trade, is caused by record consumer debt in investment property; low wage growth; media's usual scaring consumers about when interest rates will rise; that few reasons to maintain optimism while record debt levels over a long low interest rate period spent on property, that has I could assume left property buyers little room to renovate newly purchased properties and/or limited to a limited number of insurable builders and contractors.

That middle eastern migrant women aren't brightly coloured fashion conscious wearing dark head covers, that non-middle eastern women on seeing television female news readers wearing limited fashionable dresses in a single colour: red; yellow etc... are left uninspired to purchase new clothing.

The low interest rate environment that was supposed to stimulate business, may for many businesses, businesses have gone out of business. The work force moving from each single worker full time average 40 hours a week employment to workers having more than one wage earning part time unskilled trades employment. The insecurity of being under-employed; rising child care; rents; more indebted university graduates, permanent resident migrants and visa workers willing to work cheaper rates (711 workers) to compete for ever increasing unskilled employment; HSC teenage leavers having to spend longer periods unemployed looking for employment. The 1960s wage for one adult male supporting a wife and two point five children has not only disappeared, decent employment opportunities are slowly worsening, which workers educated not to complain, being fooled by political concerns, blaming global competition, workers are not complaining enough.

Malcolm Turnbull's argument on lowering corporate taxes to be more globally competitive in manufacturing where Australian wages are extremely expensive compared to Asia, due to Australia's exporting raw materials. Malcolm's tax-cut comment is little more than saying something technical, sounding as though Malcolm has ideas. The tax-cut idea I am sure within the establishment are very much a joke. Malcolm has “bull” in his ideas.

Apart from the establishment I keep saying exists. Using free market forces capitalism: middle management and CEO corporate bonuses I suggest are driving incentives to scrape the edges for corporations interpreting company law legality, ignoring any moral and/or ethical balance to provide increasing company balance sheet profits, increasing share holder returns without having to produce extra manufactured goods and/or skilled human services, leading to work forces declining annual percentage increased wages and/or driving down wages and benefits to further squeeze/increase corporate management bonuses.

Because working class school education is mentally depressing, the closer teenagers get to final HSC examinations the more repressing education is, realisation of thought worsens depressive feelings punishing any further incentive to think, that students complaining to teachers about loading on extra tasks never achieved any benefits to students. The decline of worker's rights, benefits and wages will slowly deteriorate. That any more than verbal complaining is not in the educated worker's psychological classroom conditioning. Which quoting Trump, humans are “deprived of all knowledge”

A government appointed committee can reduce Sunday penalty rates, an organised protest is seen protesting for merely a few seconds during that day's reduced penalty rate announcement media news, quickly news reports return to reporting one of a number of murder trial update sentencing, retelling a murder story from the beginning, as though listeners are witnessing a pre-1800s public hanging, warning citizens not to commit murders and crimes.

I heard a quick media comment about how people in Germany saw migrant refugees from the middle east as economic opportunity, while many Germans complained about increasing refugee immigration.

Media suggests: the population of France has 10% Muslims; prompted by Donald Trump's mistaken information, media informs listeners Sweden has a large percentage Muslim population.

If I were to suggest a conspiracy, I would conclude beginning with 43rd president George Bush's invasion of Iraq under some notion that Iraq had weapons of mass destruction. I suggest, western governments have been allowing middle eastern countries to over populate way past sustainable food resources.