Fairgo - For justice and good government



20th September 2018

We give $1,000 a year of bank profit back to the customer

Last week we assisted an Australian company renewing term deposits with three banks to obtain higher rates. At bank No 1 we increased the interest rate received from 2% to 2.6%; at bank No 2 we increased the interest rate received from 2.3% to 2.55%; at bank No 3 we increased the interest rate received from 2.35% to 2.7%. Total annual gain to customer was $1015.

Banks are earning billions by overcharging customers. Profit, not people is their concern. Let’s claim some of those profits back by demanding higher interest on money put with them and paying lower interest on money we borrow from them.

12th September 2018
Caution: This is the first rating, with quite small participation over a short time.
subsequent ratings may give a more accurate picture of broader views.


1    Susan Templeman (by  big margin) Federal Macquarie ALP 
2    Barnaby Joyce Federal New England NP
3    Emma McBride Federal Dobell ALP
4    Gladys Berejiklian NSW Willoughby LP Premier
5    Julie Owens Federal Parramatta ALP
6    Alan Tudge Federal Aston LP
7    David Mehan NSW The Entrance ALP
8    Heidi Victoria Vic Bayswater LP
9    James Merlino Vic Monbulk ALP
10  Jason Wood Federal LaTrobe LP

1    Adam Bandt Federal Melbourne GRN
2    Damian Drum Federal Murray NP
3    David Littleproud Federal Maranoa NP
4    Jason Falinski Federal Mackellar LP
5    Karen Andrews Federal Mcpherson LP
6    Madeleine King Federal Brand ALP
7    Mark Dreyfus Federal Isaacs ALP
8    Nicole Flint Federal Boothby LP
9    Sarah Henderson Federal Corangamite LP
10  Sharon Claydon Federal Newcastle ALP
11  Cathy O'Toole Federal Herbert ALP
12  John McVeigh Federal Groom LP
13  Dominic Perrottet NSW Hawkesbury LP
All voters in Australia are eligible to join Voters Network free and rate MPs

11th September 2018

Financial storm warning –Home buyers beware!!  Be prepared!! 

Problem (if too technical go straight to solutions below)

The Reserve Bank of Australia yesterday issued a financial storm warning according to today’s Sydney Morning Herald. Like all weather forecasts it may never happen, but it pays to take an umbrella when heavy rain is forecast.

SMH wrote:
Reserve Bank sounds warning over national debt.
The country’s debt levels rocketing to the top of global rankings.
“The Australian banking system is potentially very exposed to a decline in credit quality of outstanding mortgages” said RBA assistant governor Michelle Bullock.
Australia’s debt to income ratio more than doubled to 160% from the 1990s to the mid 2000s. Since 2013 that has spiked to 190%.

In a warning to middle aged and older home buyers the article revealed “Up to 60% of the debt is contained within households where the top income earner is aged between 35 & 54, while an increasing proportion of Australians are carrying it (debt) past retirement age”.

The RBA warned an economic shock could leave households struggling to meet repayments.

Ms Bullock said “It they have little savings, they might need to reduce consumption in order to meet loan repayments or, more extreme, sell their houses or default on their loans (our emphasis). This could have adverse effects on the real economy in the form of lower economic growth, higher unemployment and falling house prices, which could in turn amplify the negative shock.

Everyone must find and adopt solutions suitable to their own particular circumstances. For assistance email greg@fairgo.org .

Here are some steps the wise borrower may wish to consider:
1. Take advantage of low interest rates to make the highest possible monthly repayments to reduce the debt  faster which also reduces the interest you are being charged.
2. Cut down on other expenditure that can be cut, to reduce your debt before the storm breaks
3. If you would like us to advocate for you and see if we can negotiate a lower interest rate or an option for a longer term to minimize the risk of default email us. We have had recent successes, as we have for over 30 years, in negotiating better rates and terms than are generally offered by lenders.
4. If you hav  large debt that has got out of hand, you may be a candidate for us to secure you a significant debt write off.

When a lender forecloses to sell up your home, business or farm (despite having sworn on a stack of Bibles that it would never do so) they often charge huge amounts against your mortgage in the process. I heard of one case recently where the charge alone was in the millions of dollars and absorbed all the equity the borrower had built up over years of repayments.

As long as you owe money on your home, you are at risk, unless you KNOW that your earnings are secure from now until the debt is repaid.

Credit card debt is dynamite unless you can clear the whole card debt monthly on the due date. Last week we reduced the credit card interest rate from 26.99% to 1.99% for one person.

Remember that we are not just here to make money. We are here to help each other. greg@fairgo.org .
We are always happy to act as your advocate to secure better treatment from your lender, but the earlier you act to protect your home and your investment in it, the better the outcome is likely to be.

10th September 2018

Wagga sees the screams for better government turned into a ballot box blow-out!

The swing of nearly 30% against the Liberal Party candidate shows how angry voters are.

There is one simple answer – Join FairGo's Voters Network so that you can continuously persuade politicians to do what is best for Australia and for you in particular. Voting people in or out is only a “remedy of last resort”. The next person may be just as bad. Persuading them to do what you want is the real answer.

The poorest people have the greatest opportunity to persuade politicians to build their wealth. Why? Because they have the greatest number of votes. It is just a case of backing up their suggestions with their votes and networking together to do it.

Voters Network membership is free and we are producing some very good results for members.

A year after starting FairGO's Votergram service in 1986, I turned my Chartered Accountancy practice into a  consultancy for bank customers. Today FairGO and GBAC work together to deliver low cost financial and political advantages for Australians and at discounted prices for  Voters Network members. Many have sought to copy us, but few succeed.

The reason is that we do not work to make money or political gain for ourselves. It is far more satisfying to make both available to other people.

We would of course like more people contributing to the network funding because if we can build up revenue that will fund Hub Leaders and coordinators. That will come  as people experience what we can do, like that lady for whom we cut her interest rate from 26.99% to 1.99%.

When you join Voters Network you too will have a better chance of helping and being helped by others.

3 September 2018
Beating the bank in the nicest of ways

The Banking Royal Commission has revealed that major banks, insurance companies and superannuation managers have been ripping off their most loyal customers for years, with the tacit approval of regulators.

FairGO and GBAC have for years combined to secure repayment discounts of up to $5 million for debt-stressed business and farm borrowers. They have done the same for consumers with impossible credit card debts

 In response to the Royal Commission evidence, they will soon help Voters Network members negotiate the best interest rates and learn whether they are covered for the benefits they expect from their insurance and superannuation payments.

Those who have been kind enough to make a $44 or more a year (85 cents a week) contribution to help cover network costs will received a 10% discount on any of the low costs involved.

28 th August 2018
I must stress that although the purpose of Voters Network is not to make or distribute profits, the intention is that it become a viable commercial enterprise with revenue primarily funding the costs of Hub Leaders.  Otherwise the blind political opportunism that has been particular visible in recent days in Canberra, but underlies all governments of whatever kind, will continue to favour a small minority over the vast majority of Australians, as it does in many other countries.
Voters Network, by involving, respecting and mobilising all voters to work together and with their elected representatives, provides the only real way to move to a fair and just society of reasonable equality.

Is Australia behaving like a spoiled brat?

An Article by Ralph Ashton in today’s newspaper claims that it is. Outlining our failures, our successes and our wasted opportunities, it claims that “the future the public wants goes begging.”  He lists the top 10 things Australians want for their country. He includes “ a high level of accountability and honesty” and “effective government”. He goes on to say what experts have been telling us for a decade that we must do. Then he adds some more items for good measure.

So how does the author know what 25 million Australians want? Do you even know what your family and neighbours want on economics, aged care, health care, taxes, housing, energy  and mental health?

He continues that our governments, leaders and vested interests have not been doing much about important issues. He accuses us voters, consumers, investors and superannuants of largely standing by. He says that “we’re creating a society we don’t want”. He urges Australians to grow up and take advantage of our opportunities.

Is he right or is he wrong? I am not sure and I wonder what you think.

But in my mind he is correct in his conclusion that “we need to reach consensus on what we want to become as a nation, what we want to avoid and what we genuinely disagree on. Then let’s focus our democratic effort and resources on achieving the first, avoiding the second and respectfully – but with conviction, coherence and consistency – arguing about the third.”

His conclusion exactly states the reason for which I formed the Australian Voters Network ( Voters Network). To empower them it is controlled by the voters. For independence it is self funded.  For effectiveness it is separated from government and politics. Voters Network enables voters to speak for themselves rather than having people say “what the public wants”. Only when serious numbers of voters join us to put their views forward and confer with their fellow Australians for consensus outcomes, will we have what Mr. Ashton proclaims.

It is pure mathematics. 25 million Australians can reach consensus on 70% to 80% of what we want and what we want to avoid. 16 million voters can persuade their 600 or so politicians who they choose by election, to direct government bureaucrats to make it happen. While that is being done the rest of us can work through our areas of disagreement to see what compromises might be acceptable to most of us.

26th August 2018

The political Power Game

The political posturing for power in Canberra shows voters the need to build their own power base in Voters Network.

It really does not matter who the PM is or who the ministers are. Most ministers have no qualifications whatsoever for the ministry over which they preside. The PM must do what the party wants.

In the community we have thousands of people with qualifications, experience and expertise in every ministry there is.

If we voters get alongside our local MPs and ministers and help them with their job by making constructive suggestions instead of standing by making caustic comments in the media, we will enjoy far better government.

Our politicians are neither brilliant nor stupid. They are representative of us and they are our representatives. Isn’t it just common sense to try to work with them for the benefit of all Australians? Will they not do better with the benefit of our accumulated community wisdom?

When I was young an uncle told me “Any fool can criticise and most fools do. Make your criticism constructive, not just an ego trip.” It is not a bad thing for us voters to heed.

I too have been guilty of negative criticism, but working with people in FairGO, Votergrams and Voters Network, I have met and dealt with many of the Local MPs and ministers as well as their staff. I have learned to respect them, for it is a difficult job.

Like most people, they respond well to encouragement and praise. As long as they get it only from the wealthy self-interest groups, those groups will run the country. When they get it from the voters, voters will rule the country.

Think of having a go yourself . The pay is quite good.  We are always happy to work with people who want to stand for office, whether with their favourite political party or as independents.

“Working together we can all win. Working in conflict, most of us lose”.

21st August 2018
Difficulty with debts

High debt levels

Australians are immersed in debt. Many have been treated badly by their banks. With present low interest rates, most borrowers are managing quite well. However, some have interest-only loans which will soon require principal and interest repayments. That is when difficulties may arise for home owners, investors, business owners and farmers.

Vulnerable borrowers
The latter are particularly vulnerable to recovery action by banks following the end of a drought. Rural businesses are similarly vulnerable. Borrowers cannot believe the costs the bank and its receivers can run up in the course of foreclosure. One adviser told me recently of a farm family charged $2.5m by bank receivers when essentially all they had to do was muster and truck cattle to the saleyards and have an agent sell them and two properties.

Borrowers’ Advocates
For decades the founders of Voters Network and FairGO have operated a loan, debt and profit consultancy called GBAC Advisory Pty Ltd. It emerged from  Greg Bloomfield’s former Chartered Accountancy practice. It’s services are available to Voters Network members. The work of forcing banks to treat customers fairly is consistent with the objectives of FairGO and Voters Network.

The power of political persuasion

As in most other areas of life in our democracy, the power of political persuasion is paramount in achieving results. FairGO and Voters Network provide proven paths to persuade poiticans to act against injustice. Politicians exert a great deal of influence over banks as can be seen by the fines imposed following relelations at the Banking Royal Commission.

Discounts on debt

Most recent discounts offered by banks to GBAC clients were $700,000 off a $1.4m debt, $1m off a $6m debt and $500,000 off a $2.5m debt. The banks in this way made up for mistreatment of the borrowers.

Call Greg for assistance if needed on 0428 417 496
Anyone whose lender makes unreasonable demands on them, can contact GBAC for assistance. Initial free consultations will be extended for voters network members. The best protection from expensive legal recovery action including foreclosure, is for borrowers to act as soon as they know they are over their facility limit or cannot make a repayment on time.

20th August 2018

Original Brief: The original decisions by Voters Network members on which the domestic, family and sexual violence campaign was based were:

Three most urgent:  
Safe place for victims to confidentially report violence
Dispute and anger management courses for offenders
Education on avoiding violent disputes

These received 80% or higher approval by voters:
Education on respect for other people, particularly physically weaker people
Compulsory alcohol counselling for alcohol offenders

These received  75-79% approval by voters:
Make alcohol and substance suppliers liable for damage caused by supply, perhaps by industry levy
Offender compensates victim financially
Immediate gaol for breaching AVO
Government advertising on anti-violence laws and practices
Government advertising on dangers of alcohol and substance abuse
Security systems for victims
Action to date: The three most urgent items above plus education on respect for others, particularly weaker people, in the 80% approval category, have now been raised  with MPs in state, territory and federal parliaments by Votergram.  All this has been achieved with the mere $450 members have contributed so far. Please chip in to fund the continuing campaign which involves extensive research, correspondence, Votergrams, follow up of information provided to us and co-ordination of all that to make a campaign. Lives depend on your generosity.
Leadership Team:  If you would like to be part of the Campaign Leadership Team helping us with some of these tasks please let us know. We need all the assistance we can get and can only do what members make possible. It is just a case of many people making the workload lighter by sharing it around. That also ensures a variety of viewpoints.
Votergrams sent to politicians: Since the campaign began in May, Voters Network members have sent 9 different Votergrams to their state and /or federal Members of Parliament. As each went to all MPs in one or both parliaments, about 1,000 individual Votergram messages have reached MPs’ inboxes. We have received some 500 acknowledgements.
The votergrams have raised the need for serious attention to be given to:-
The definition of consent in rape cases
Advertising the criminality of domestic, family and sexual assault with long penalties reflecting the period during which victims suffer
School, tertiary and public education on violence as being criminal, cowardly and inappropriate
The need for safe and secure reporting facilities nationally that do not lead to Police action
Punishment and re-education of offenders e.g. min. 3yr dispute and anger management /  behaviour management courses with assessments at the end
Need for increasing numbers of refuges until the incidence reduces
Removal and separation of the perpetrator from the home
Respect for husbands, wives, partners and children free of violence, harassment or intimidation.
Politicians’ responses: Some politicians are very supportive and they will help encourage the others. The most helpful MPs have been, in no particular order:
Mehreen Faruqi, Alister Henskens, Pru Goward, Jamie Parker, Jonathan O’Dea, John Williams, Barnaby Joyce, Christian Porter, Lee Rhiannon, Paul Fletcher, Jackie Trad and Matt Thistlewaite. These MPs are consistently helpful to voters and deserve voter support at election time if we want good government.
Queensland Deputy Premier and Treasurer Hon. Jackie Trad has kindly provided helpful information about the money allocate and action taken in that state. There is an online option for obtaining a protection order  . $3.4m has been allocated to 2 new shelters; $1.38m pa for safety upgrades to homes in which the women live; longer protection orders and warnings if a perpetrator is released on bail or from gaol.
Federal Attorney General, Hon. Christian Porter has kindly provided details of $107m in funding to combat this violence and a reference book to bring judges up to speed on community expectations. He mentioned the NSW scheme allowing people to find out if their current or former partner has a history of violent criminal violence. He stressed the federal Government view that domestic violence is not a private matter, but criminal and unacceptable.
Hon. Pru Goward in NSW stressed the need for clear consent regarding sexual activity in her comprehensive response to the Votergrams.
Comprehensive federal government information has also been provided by Kathryn Campbell of the Department of Human Services.
Please rate these politicians if they are in your state or territory or in federal parliament. Give them a tick on the voters network rate your MP page or the Rate other MPs page .  It is by encouraging and rewarding good performance that we most effectively improve government.
Follow up: Please contact your local MPs by phone, letter or email and ask them to tell you how much money has actually been spent in the financial year to 30th June 2018 by their government to prevent domestic, family and sexual violence and exactly how that money has been spent. Allocating money is not the same as spending it or providing services.
Police: Police Commissioners in The Northern Territory, South Australia, Tasmania and NSW have kindly responded with important information about what is being done in their jurisdictions. We are most grateful for their co-operation.
As happened in our very successful road safety campaign, Police have emphasised that it will only be with the support and assistance of the whole community, parliament and the courts that they can achieve the results we desire. So this challenge is fairly and squarely in our hands as voters.
Victoria Police declined to provide information on the basis of political neutrality which we consider to be misguided, possibly worse.
Violence on the sporting field: One place where violent assault has been exempted from prosecution is on the sporting field, by football and soccer players in particular. A recent Sydney Morning Herald poll of readers found that 73% of readers believed that footballers who punched opponents during a game should be charged with criminal assault. To allow footballers an exemption from any law is unreasonable. To allow a culture of violent assault on publicly owned, publicly funded sporting facilities to be promoted by violent players to children, teenagers and young or old fans of the game who then carry that culture into their school, work or home environment is totally unacceptable, as it is on private facilities.
Why abused partners stay:  At a recent meeting of Hub Leaders it was noted in connection with the murder of two teenagers at Thornleigh by their father that the reason many women do not want to have their abusive husbands or partners gaoled, is that he is the father of their children who would probably blame her for his gaoling if they are not being abused themselves. The same probably applies to men who are abused by their wives or female partners. This suggests that sentencing to attend courses that occupy the time of an offender with re-education on avoiding violence and respecting other people, might be most constructive.
Continuing the campaign: More Votergram senders are needed. We have funding for another 3 so if you would be willing to send your thoughts to all MP, please email us a draft and we will give you any help needed to finalise it admin@voters.network .
More funding is also needed so that we can keep up the pressure until we win. That will realistically take some years. Democracy is not a system of rapid change as many differing views must be taken into account. Nor is it easy to change violent personalities. Regular messages every time violence hits the media help MPs to keep it on top of the mountains of work that is constantly given to them.
What you can do:
send a Votergram on one of the issues in our original brief
 send us info on or links to media articles on domestic, family or sexual violence
send a Votergram drawing MPs attention to that article and asking them to act as you want
help fund Votergrams . You must login first.
start a discussion in your church or community group.
join our campaign team.  
contribute by donating your time to research, the basis of any Political Persuasion campaign
You can always phone us for assistance.
This is about your lives and the lives of those you love, respect and know.
Thank you for being in the network and making this campaign possible.
Voters Network is a FairGO initiative for the Australian people.

8th August 2018

Big win for FairGO and voters campaigning through and with it  – Australia as a Global Nation

Voters using FairGO's Votergram service have succeeded in persuading politicians to develop Australia as a Global Nation by developing our inland cities and towns. This replaces the old goal of one or two global cities, namely Sydney and Melbourne. We congratulate our national MPs for their clear vision that will greatly enhance the lives of our people and particularly our children. This is the realisation and exploitation of the 3rd line in our national anthem, “We’ve golden soil and wealth for toil” and later “We’ve boundless plains to share”. Like many nations with growing populations, we will need to collect our water when it falls, for use when we need it.

Global Australia will create thousands of jobs inland where premises and homes cost a quarter of Sydney ones and NBN can transfer skills from anywhere to anywhere. Voters have long pointed out that the restricted “Two Cities” policy was a disaster in that it destroyed what was so good about Sydney and Melbourne and neglected what was so good about our beautiful inland cities. They enjoy clean air, clean water, freedom from time consuming traffic jams and have small enough communities to enjoy the company and help each other. Development will include construction of business premises, government offices, homes, roads, rail, airports, sporting, social and cultural facilities, schools & hospitals. The tidal wave of superannuation money looking for a home will find profitable and constructive opportunities in Global Australia.

With bi-partisan political support and continued voter encouragement, this will also allow Australia to welcome migrants without putting undue pressure on Capital city home prices, infrastructure and services. The neglect felt by many rural communities will soon dissipate so that they enjoy many more of the benefits of bigger city life. Yet they will avoid many of the crises brought about by over-development of our mega-cities.

Because this will also put consumers nearer to food production, farmers will enjoy better prices while consumers will buy for less, as the very expensive transport and multiple handling costs disappear. Technologically based manufacturing will have every opportunity to compete with foreign manufacturers as operational costs fall.

Tax concessions for businesses and residents for the next 10 years can easily be provided as part of the sound government investment to see this exciting new stage in Australia’s development materialise. It was substantial stamp duty concessions that enabled the development of Canberra and Darwin.

For both government and business this move to turn Australia into a truly Global Nation has a lot going for it. For those, including our young people, looking for career opportunities to supply the world with goods and services, they can expect to enjoy far better lives than would otherwise have  been the case.

28th July 2018

“Why rate MPs on Voters Network?” I am asked. Here is the answer.

Good Government is not achieved by rallies, protests or voting for a candidate because he or she belongs to your favourite political party. Doing that makes the MP loyal to the party and the party is always loyal to its donors or financial backers. Political parties exist only to achieve the goals of donors and party members.

By rating your federal and state MPs monthly on the basis of what you find they or their party have been doing, you build yourself a database to which you can refer before you vote at the next election.

Only that way can you fairly gauge their performance over 3 or 4 years.

The 1st step to good government is to re-elect the MP who, or whose party, mostly does what you want and replace (with anyone at all) the MP who, or whose party, mostly does what you don’t want.

Just the fact that you and others rate their performance will encourage far better performance by your MPs. https://voters.network/join.php

24th july 2018
Started the day with a 3 km walk from 7 to 7.40 am. A good bit warmer than yesterday. No frost on the ground.

Busy day in the office. Started with a reminder email for FairGO arriving to say that that an issue involving a number of local residents was scheduled for discussion at Council tonight. That meant phone discussions during the day and emails to local councillors urging them to look for a solution that would deliver wins all around.

Then we worked on an adword campaign for our associated bank borrowers consultancy GBAC Advisory. There may be tough times ahead for some borrowers, particularly people who have paid premium prices for their homes or rental properties and borrowed heavily for them and for drought-stricken farmers. We need to let borrowers know not to let the bank walk all over them. There is nothing like sending a Votergram to every federal MP revealing some banking dishonesty to stave off bank abuse. FairGO does a lot of work for people battling banks.

We also worked on presentations to voters network members on why big business controls government and what voters can do to change that.

We had a look at  communications with network members about funding the network and how to best let them know that it can only do what they make possible. The best source of funding is their Advanced Member program which costs members just $4 a month or $44 a year in advance. Most of that funds Hub Leaders to help towards their costs . A quarter goes to  costs of electricity,  phone, computers, ISP and web hosts, furniture and administration.

We sent off two Votergrams last night, one to 220 Federal MPs and one to 130 state MPs, both opposing the move by NSW lawyers to legalise rape if the man thought he had consent. This would move the question of  consent from the victim to two lawyers arguing in court years later. Lawyers are sometimes a plague on society in their quest for fees. Responses to those Votergrams came in today which meant very full inboxes.

Received a credit card statement in the mail from the bank today (july 24) due date was July 25th,  tomorrow. It is amazing what bankers will do to make customers pay late, so they can charge a mountain of interest. I paid it straight away to spite them.

Logged in to voters.network and had a say on a few of the Action Forum topics -  TAFE ; MPs swapping political parties mid-term; Domestic, family and sexual violence. I did not have time to read the most recent posts on the topics of “Live sheep exports”;  “a fairer tax system”; “Better  banking”, “Immigration and population impacts” or “Energy policy”. Some of these topics will undoubtedly be closing soon so that a vote of network members can be taken on proposed solutions. All members can post their view on the forum. If any of these topics interest you, now is the time to login to www.voters.network  and post a comment.

Checked and saw voters.network had 5,500 unique visitors this month so far. That is pleasing given the network is so new.

10.30 pm and I was about to check out Facebook where Voters Network has about 50 notifications from interested voters that I would like to read. They raise important issues and we can often explain why government is like it is.Think I might give it a miss until tomorrow  Don’t know that I will get to twitter where FairGO posted last night on the legal rape issue. Time to close up.

Lawyers want to make rape legal!!!

Please fight the anti-female  grab for fees by lawyers that “a person should not be guilty of sexual assault (rape) if he or she honestly believes that there is consent”. Women victims are silenced and lose their the right to consent or not consent to sex . Lawyers make a fortune in court debating what the MAN who raped her believed at the time it happened.  It can affect men who are sexually assaulted too.

Written consent is the only PROVABLE consent with married, de-facto and brothel parties necessarily excluded.

A woman may never wish to give it and would never have to. Consent is only ever in question when she claims it was rape. Men simply need to get a signature if unsure. Please join our campaign to support this model to protect women and men from unscrupulous lawyers and brutal rapists.

All a rapist has to do is stick a knife at your neck on his own or with a couple of mates and tell you to get into the back seat of the car with them. Then he can take you anywhere and they can rape you as much as they like for as long as they like. He can pick you up on a station, at a bus stop, walking down the street, in a pub or club or at a party. Once you are in a rapists car or premises you are caught. You do not need to do anything dangerous or unusual  to become a rape victim.

As nobody can tell what a woman or man did or did not believe or consent to at the time of a rape, five years later, when the matter is heard in court, this transfers the question of consent from the woman or man being raped to the lawyers for the prosecution  and defence.

Dollars signs come into legal eyes, perhaps $1,000 an hour or more for a lawyer. What rape victim can cope with that along with a lifetime of trauma. The family man rapist with a good paying career will find it essential to pay a defence lawyer $1,000 or more  an hour.

That defence lawyer will paint the rape victim as a slut and disgusting whore who deserved what she got and had slept around for the past decade so that everyone thought she consented to sex with anyone. Lawyers are the low-life of a legal system that has very little to do with “justice”.

Only a strong reaction by voters can now save women and men from legalised rape.
This move to take away from a woman or man the right to consent or not consent to sex is purely about lawyers making money. Think of the fat legal fees these lawyers are going to notch up as they fight it out in court while the poor innocent victim is torn to shreds by the defence lawyer and the prosecution lawyer fights hard to protect her reputation. Her or his reputation is not the question. The only question is whether she/ he consented to sex or not.

The only way that consnt can be proved in a court is if both parties sign “I consent to sex with............... “ or I want to make love with..............” forms and exchange them. It is no more disruptive of the process than fitting a condom and it can be written by both parties well in advance.

Women concerned about romance need not do anything if they do not wish to and the man who had genuine loving consent will have nothing to worry about either, because there will never be a change of rape brought against that man. Consent would rest firmly with the woman or passive partner being penetrated.

It will pay for women to take this up now, because it will be too late after they have been raped. FairGO is a good way with Votergrams. Voters Network may also come out against the lawyers' ploy.

20th July 2018
How important are security, freedom and liberty to you?

Today Trade Minister  Steve Ciobo was reported as saying  that “voters wanted security above all, even if it sometimes came at the expense of their own liberty” and that “ there’s been shift from liberty towards security”. He also said “Politicians looking to respond to this anxiety had a choice of implementing policies that were right for the community or appeasing the masses, even if that policy wasn’t the rational choice.”

Does this reinforce a belief by some politicians that they are superior to the voters who elect & pay them? Are they?

How much freedom or liberty would you be happy to lose in order to enjoy security and what sort of security would encourage you to forfeit your freedom or liberty? Job, financial, national defence, trade, speech, competition?

 Is it a prelude for an Australian dictatorship where liberty and freedom are quashed by politicians?
Do you believe that Mr. Ciobo knows better than Australian voters what is best for them?
Is it connected to the move to sell the ABC to private enterprise?
Is it related to new laws on terrorism or the prosecution of whistleblowers?
Is it related to trade deals that favour foreign countries over Australian businesses and farms?

If "the masses" disagree, could they remove that politician or party from office?

The article was about rising inequality in Australia. Who/ what do you believe has caused or is causing rising inequality?

Let us know your views by emailing admin@voters.network  otherwise we Australians might find our freedom being curtailed in a way we don’t like. If people are interested we might put up a topic on the forum. Avoid talking parties and let us examine the proposition objectively.
Security  - V- Freedom

19th July 2018


It was pointed out to me by one of those who visited our Facebook page that Mark Twain had said , “If voting made any difference they wouldn’t let us do it.” Remember, Twain was a humourist.

That is a bit like his comment that  “The reports of my death are greatly exaggerated.”

Democracy does demand more than voting for a political party in order to elect an unknown, unseen person to represent you in parliament. It requires voting for the best candidate, deciding what you want done and telling every Member of Parliament what that is, explaining why.

That is because democracy is a system of government by majority. If you convince more than half of the MPs, you will get what you want done. Ask one MP and you will mostly waste your time. What could one MP achieve in a parliament of 200?. Try a  Votergram https://fairgo.org/votergrams.php  !

16th July 2018

Privatisation of public assets – good for the pollies, bad for the people!

As an accountant I always look at the bottom line, the final result, the proof of the pudding.

Well voters can clearly see how they have been robbed blind by their own Members of Parliament who engineered two lots of privatisation.

The first was the privatisation of the government owned banks, Rural, Commonwealth, State, Commonwealth Development, Primary Industry etc. The Banking Royal Commission, which many of our politicians fought hard to prevent, has revealed the ruthless, predatory, dishonest and criminal conduct of bank directors and CEOs aimed at producing billion dollar profits for their banks and awarding multi-million dollars salaries to themselves in return for destroying the lives and savings of customers and sometimes driving them to suicide. That banks would do this when competition from honest government –owned banks was removed, should and would have been obvious to many of their political co-conspirators. Yet they fed the people to the sharks.

Remember that when you vote at the next election.

The second was the sale of electricity assets. Devoid of the ability to manage day-to-day government finances, raising the taxes to fund necessary expenditure, politicians had embarked on privatisation of all manner of jobs including using outside consultants to do jobs that permanent staff would have done for half as much. The damage to the economy was such that they needed funds to provide infrastructure, also constructed by outside companies at about twice the cost of government employees.

The advantage was that underpaid staff could not punish their (government) employers through the ballot box because they no longer worked for the government. No wonder inequality has increased. That was part of the purpose of privatisation.

To fill the funding gap and probably help some friends, the politicians decided to sell off the electricity assets the people had built up over decades. To get a good price they had to slug the electricity users who elected and paid them, with a price hike. The new owners, having paid a premium price then felt entitled to charge even higher prices to earn a reasonable return on their investment. All of those politicians, bureaucrats and consultants who engineered the sales would have understood that to be the inevitable outcome of a high priced sale. They just did not care what impact it had on the people. Pollies fed them to the electric eels.

Remember that too when you cast your vote next time.

I think that FairGO may run a campaign to have the electricity prices lowered by up to 50% over the next 5 years if enough voters are interested. They can join Voters Network and express their views on the Action Forum. Voters will decide what they would like to do, so it is all up to them. We are ready to assist with whatever they decide.

We would suggest that they link their votes to what they want government to do, rather than supporting the same tired old people or parties if those local MP work against them on issues like privatisation. Likewise they should support those local MPs who stick up for the public when their parties are trying to enrich party donors through contracts or sale of assets.

It is very disappointing to see the change in the way many politicians regard the interests of the general public and I suspect that is because voters have rewarded them with votes when they have worked against those voters. Loyalty can be costly, very costly!

14th July - The day the French people decided they had had enough of being treated like dirt by their rulers. Democracy gives us a ballot box in place of the guillotine. It is just as effective if used wisely in order to obtain a fair go from the people we elected for just that purpose.

Ripped off on power prices by the people we pay.

Ross Gittins calls it “naivety” but we pay out top politicians and bureaucrats enough money for them to know exactly what they are doing.

Electricity consumers have been robbed of a perfectly good government-owned relatively inexpensive essential electricity service. Politicians sold it to businesses. Between them, they have robbed us blind.

Voters Network is planning to form an Electricity Action Team if enough network members are interested. Their aim might be a 50% cut in electricity prices over the next 5 years.  That may involve voters replacing those politicians, political parties and bureaucrats who accepted our votes, our money and yet still sold us out to unscrupulous private enterprise profiteers. Australians might need to start a new government owned power supplier. We might also want to network our power supplies and leave the thieving electricity traders out of our lives. Success will depend mainly on how many electricity consumers join Voters Network and Electricity Action Team.

This is government working steadfastly against voters as it so frequently does. Voters Network is your best chance for changing the attitude of government by culling out the dishonest MPs and bureaucrats, replacing them with MPs who subscribe to the idea of “Government for the People” rather than “Government for the benefit of politicians and those who fund political parties”.

This may just be the tip of another corruption iceberg like the banking scandal proudly support by many MPs for decades.

Use the contact form on www.voters.network to let the network HQ know if you would be interested in joining that team.

PS.  Voters Network is also in the process of establishing, with FairGO and associate GBAC Advisory Pty Ltd, www.gbac.com.au ,  a Better Banking Network to build on  30 years of helping bank borrowers get a better deal and mostly avoid foreclosure. In recent negotiations where GBAC Advisory and FairGO worked together to expose inappropriate bank action to MPs, one client was offered a million dollars off the bank debt and allowed  6 months to refinance  the balance. A credit card company wrote off half of a $20,000 debt. GBAC Advisory helps businesses and farms obtain the right sort of loans to suit their circumstances. In terms of a "fair go" that is as important as being treated fairly by government.

8th July 2018

It’s what  democracy is about!

Voters elect to parliament people they trust and believe capable, to serve them well.
Voters tell those people what they want them to do.
If those Members of Parliament do what voters want, voters re-elect them.
If they don’t voters vote them out. Repeat the process.

So what has gone wrong?
Voters have relied too heavily on those they elect, to do the job properly.
Political parties have formed and voters have taken the easy road of just voting for whatever candidate is endorse by their favourite political party.
Voters have been busy doing other things and so forgot their vital role of telling MPs what they want done.
Members of Parliament have therefore become loyal to the party that promotes them to voters and loyal to the financial backers of those parties, rather than to the voters who elect and pay them.
When MPs do good things that voters want, voters remain stonily silent. No word of thanks is given to MPs.
When voters do not like what MPs do, voters criticise politicians publicly in the media, making the MPs look bad in public. This is never a good way to encourage better performance.
If voters do decide to “have their say” they say it to the media and hope MPs are listening . It has an impact like telling your friends that the children need to tidy up their rooms and hoping that the children are listening and will respond.
When MPs in their favourite political party consistently do what voters don’t like, most of those voters still vote to re-elect them, because even if their favourite political party neglects them, out of loyalty, they would not vote for someone else. Loyalty to an MP or party who treat voters badly just encourages them to keep on treating those same voters badly.
What is the solution?
Tell all MPs or at least your own local MPs (but 1 MP in a parliament of 100 or 200 can only do so much) what you want, on a constant basis. Votergrams https://fairgo.org/votergrams.php make that easy.
Be lavish in expressing your praise and appreciation of MPs who do what you want. That at least tells them they are on the right track and are appreciated when they do what you want.
If you are going to criticise individual MPs, do it privately to them alone. Nobody enjoys public criticism and you do want them on your side.
Join voters network https://voters.network/join.php so that you can confer with other voters to sort out differences of opinion on important matters, because politicians do not know what to do if one group of voters wants one thing and another group wants the opposite. Then nothing gets done! If we confer and compromise ,the vast majority will probably agree on a lot of what concerns us.
Remember that politicians are just ordinary Australians who chose politics instead of plumbing, accountancy or farming. They are no better or worse, cleverer or sillier, more or less honest than the rest of us.  Don’t expect miracles or perfection, because it is not going to happen.

Voters must diplomatically guide government if they want to enjoy good government and vastly more enjoyable and more rewarding lives. Politicians are in parliament to represent voters, not to lead them. Leading is for kings, queens and dictators who execute or gaol dissidents. We enjoy the freedom of democracy, but need to use it properly.
That is how democracy works, whether we like it or not. It was quite a surprise to me when I started Votergrams in 1986. By the time I had established FairGO https://fairgo.org/ four years later, I had learned that politicians were just as happy to help voters as to hinder them.

But like everything in life, influencing government and persuading politicians needs to be done carefully, strategically and diplomatically if success is to be enjoyed.

5th July 2018


The Treasurer talks of "The fair go", but how much of a fair go is it when young Australians without much money, like I was at 18 starting to study accountancy, can't get a decent vocational education free or cheaply becuse politicians have decided that it is more important to let shonks run private colleges that teach very little of importance at all and pick up big subsidies from our hard earned taxes.

How fair is it when the biggest tax breaks are reserved for companies earning billions of dollars  a year so that they pay a lower rate of tax on each extra dollar than an average australian wage earner?

Fairness is subjective, but the idea of giving all young Australians a chance to earn a decent living and help Australia compete internationally is not far off it in my mind.

2nd July 2018

Bankers & politicians in the limelight

We are pleased to see the Federal Government shifting school funding onto a basis that relates to the wealth or income of the students’ parents.  We have consistently argued that the poorest children in Australia should be provided with education that is equal to the best.

That gives them a reasonable chance in life and it positions Australia to better take on the challenges of a very competitive and rapidly changing world. Members of Parliament have listened to our comments, researched and evaluated options and made a move in what we see as the right direction.

We are also very happy to see so much money going into the issue of domestic and family violence and personal safety. There is a long way to go and we will continue to focus our campaigns on prevention.

The tax stalemate on tax cuts for the billionaires of big business and big banking seems constructive to us.

The banking conduct revealed by the Banking Royal Commission is disgraceful and CEOs should be in gaol. They yet may be. Again we should be careful about judging all bankers by the actions of a relatively small number of executives.

Today Ms. Alexandra Gartmann, the CEO of Rural Bank, a subsidiary of Bendigo Bank was grilled on some appalling aspects of Rural Bank’s behaviour. It is worth noting that she has only been involved with Rural Bank since October 2015, long after  the misbehaviour occurred. In a recent case we handled of extremely bad treatment  a farmer had received from her bank ove  many years, Ms Gartmann could not have been more helpful and actually had bank executives fly to Sydney from Adelaide and Brisbane to meet with us here and reach a settlement. No other bank has ever done that for us.

In conjunction with our GBAC Advisory we continue to assist bank customers in receiving fair treatment from their banks, particularly when there are loan problems, or if people want to assess the risks posed by borrowing before they sign on the dotted line.

We criticise them a lot and many deserve it, but we should be careful not to judge all bankers by the the dishonest ones. 

Beware End-Of-Year spending

Australian businesses, individuals and farmers are being bombarded with advertisements enticing them to spend before the end of the financial year to gain more tax deductions. This happens in other countries at the end of their financial years too.

There is a question as to why one would spend a dollar to gain a 30 cent tax deduction. I am more in favour of spending 30 cents to make $1.

If it is tax deductible when you spend it before June 30th, then it will be just as tax deductible when you spend it in July or August or in fact when you need it next March.

If you run an overdraft or debt, your interest charge between when you buy the item and when you need it will reduce the tax benefit. Time and money are inextricably linked for those who want to maximise their profits.

Those who do spend up big because they want the tax deduction should remember that the same spending reduces their net profit before tax. That is a figure that features highly in bank assessments of borrowers. The less profit earned, the greater the risk to the lender and therefore to the borrower.

For anyone buying on a credit card that is going to attract interest there is another factor to consider.

27th June 2018
Big business versus the biggest body of voters

When I started in Chartered Accountancy private companies paid a lower tax rate than public companies, due to the ease with which public companies raise funds. That difference should be reinstated by politicians now at 5c to 10c in the dollar.

Many Australian wage and salary earners pay a higher rate of tax than companies and on top of that they pay 10% GST when they spend it and huge stamp duty when they buy a home.

The best boost for the economy would  be to boost the pay of the lowest earning 25% of tax payers  by 25% and allow salaries to be deducted at 150% of what is paid, removing payroll tax altogether.

Businesses headed by CEOs earning $5 million a year make employment and pay decisions based on pre-tax profitability. It is nonsense to suggest otherwise. The ASX top 100 companies should be required to table in parliament the net staff increases and pay rate increases they undertake to make in each of the next 3 years if the big business tax cuts are passed or retained. If there is a purpose in tax cuts other than being re-elected, let’s tie big business to it.

We could also pay off the national debt that is enriching the wealthy money-lenders and impoverishing the rest of us.

Beware the news you read on the tax cuts because most is not news but an orchestrated PR campaign by big business to mislead voters. These are the richest taxpayers in Australia who cut and  export jobs to boost already high profits, trying to pay less tax than ordinary salary and wage earners. It is not about helping small family businesses at all. Don't be fooled.

26 June 2018
The Great Australian Bank Robbery

The Great Australian Bank Robbery has really been caused by Australian politicians who first de-regulated banks so that they could cheat and defraud customers and then sold off the government banks so that people were forced to used banks controlled by unprincipled private individuals and organisations, with some exceptions.

Those politicians, by neglect or accident, then ensured that the remaining regulatory authorities did nothing to stop the banks from robbing their customers, particularly borrowers and investors.

Many lives have been shattered, some lost, while the big banks have made billions of dollars in profits on which they paid extra specially low rates of tax provided by politicians with the additional advantage of loopholes which allowed them to avoid much of the tax altogether. Big Bank CEO’s are the highest paid executives in the universe because of how they ran their banks and robbed their customers.

The remedy lies only with Australian politicians. They need to re-regulate the Robber Banks, and re-establish government banks or take a controlling shareholding in each of the big banks.

That’s not quite right. The remedy also lies with the voters who could just decide that they want politicians who are on their side rather than working against them.  

Free Bank
What about a FREE BANK. The government can give billions of dollars to banks, big business and NGOs in tax concessions, subsidies, grants and tax breaks on top of the billions banks have already earned by robbing their customers through de-regulation, so why can’t the government give the same sort of money away to small businesses, low income earners and farmers by way of interest-free loans?

If the loans were carefully structured and managed by the free bank and the borrowers so that payments were made on time and the loans cleared as quickly as profits would allow, wouldn’t that get the economy going in a hurry.

In the same way, by saving a bit on tax concessions for the super-rich and reducing welfare dependence by all those who got new jobs because business was booming with interest-free loans, maybe the government could establish Free Bank Home Loans, again giving away only the same as it would otherwise pay in favours, welfare and subsidies. It could provide that such loans would only be allowed on homes selling at 20% below market value. That would provide a safety margin for security purposes, reduce the borrowings and avoid a housing price boom.

I have arranged purchases of substantial properties through interest-free loans and it has worked well for all parties.

When you think about it, giving interest-free loans to poorer people is a very good way to make them less poor and mor