For Justice and good government
For Justice and good government
For Justice and good government


16 October 2020

How to exert power and influence in Australia today

FairGO and Voters Network have spent 30+ years developing secret strategies that enable every Australian voter to exert power and influence over their society and over matters that affect their own lives. It takes a little time, effort and money, like everything worthwhile.

To persuade voters to elect them in the 2019 election, each member of Federal Parliament spent on average $350,000. It costs money to gain power ! Most people want a good return on that sort of spending.

 If you put in $50 plus 30 minutes a month to Voters Network you could exert amazing power and influence and enjoy a far better society and life. If every Voters Network member put in $20 plus 30 minutes a month you could probably all do the same.

If you want someone else to handle it all for you and others like you, FairGO is an expert at that.

Power and influence are yours for the taking. Many have done just that over the past 34 years and achieved exactly what they wanted, both on personal and national level.

When I started I “knew” that politicians did not care what voters wanted and just primarily worked for the people who funded them into office. Now I know that politicians DO want to help voters even more than they want to help those who fund them into office. BUT voters mostly don’t tell them what they want done, don’t build relationships with their MPs, don’t even know that is how to get power and influence because that is how democracy works.

When I started my understanding was wrong and in 34 years I have learned how to enjoy amazing power and influence for the benefit primarily of others.

In those 34 years politicians too have changed. Once voters started approaching them in the right way through FairGO, they discovered that they could help people just like they had always wanted to do, because we gave them new opportunities to do that.

So we have all learned and gained a better understanding of how we can share power for our mutual benefit.

23 September 2020

The political Power of Rupert Murdoch can be yours too!

The Power Game
The story currently running on ABCTV  illustrates the power a media mogul gains when voters relinquish theirs.Rupert Murdoch photo courtesy of Wikipedia
It also shows how readily politicians work with those who show an interest, wish to influence society and can deliver votes in return.  Photo courtesy of Wikipedia.

Primary Power
Murdoch’s only power really is that he can inform the voters and the voters could vote a party or politician into or out of power. His was secondary power.
Voters have the primary power.  Individually, using the resources FairGO provides, any voter can have almost that much influence, but they have to work as hard for it as Murdoch does. He works very hard indeed for what he wants!

Those who join Voters Network can draw on supporters, even more techniques and strategies. They can exercise every bit as much power as Rupert Murdoch.  The fact that most voters don’t bother to do that makes it much easier for those who do.

Messenger is the message
Marshall McLuhan explained that “The medium is the message”. Translated for democracy, “The messenger is the message”. When a voter or group of voters quietly delivers a message to politicians, the message is that those voters can remove those politicians from office.

The Voter Vacuum creates corruption
When the broad Australian community has access to such power through Voters Network and FairGO, corruption, negligence, incompetence, favouritism and bribery can be minimised by the diverse interests of that broad community. The more voters that participate the better will be the outcome for the community. Most politicians want to work in the interests of voters. it is lack of support and interest by the voting community that creates bad, inefficient and corrupt government. Politicians receiving no support or interest from voters tend to go elsewhere and there ware plenty happy to oblige in return for favours.

21 September 2020

Headline explains reason for voters rating political performances.
“Russia out to stop Biden’s election bid, FBI boss says”, Sydney Morning Herald 19/9/20
Foreign dictatorships seeking to control a country like Australia, use social media to spread fake news and shape our opinion for an against particular politicians and parties.

Before each election a Voters Network member can refer to their own private assessment over the whole parliamentary term before voting at the next election. They can then vote objectively uninfluenced by foreign powers, local media, recent political events or grants given as bribes.
Join Voters Network for the best possible society.

The choice
Few people will spend time or money on something that does not concern them
So if you want something improved, changed or fixed your best choice is to do it yourself.

 FairGO,  will be only too happy to help you make it happen.

You can tackle it yourself with FairGO’s help or suffer the consequences.
They are the choices in our voter-oriented society

3 September 2020

You can chat about it; complain about it or do something about it!

FairGO helps you fix it!

The power to fix it often rests with Parliament, which controls government, which runs our society.

Parliament is easily persuaded of good ideas. But most people do not tell MPs what they want in an effective way.

Success or failure depends on what you do.

FairGO operates the least expensive, most effective way for you to persuade politicians to guide government to do what you want.

Email now to find out how you can fix it with FairGO's help.

28 August 2020

Unregulated banks Immoral says RBA member

RBA board member Ian Harper raised the issue of bank regulation and immoral banking practices.

Bank directors and executives are robbing and tricking customers to make multi-billion dollar profits and pay packets over 20 times what MP earn to run the country. They “own” APRA & AFCA.  ASIC & ACCC are no match for them.

Financial counsellors can’t detect dishonesty and work closely with banks.

Most banks are common moneylenders like Shylock of the Merchant of Venice, with no moral scruples whatsoever.

One solution is our associated GBAC Advisory Pty Ltd established to help customers see the traps before they fall into them and get out if they are already trapped.

22 July 2020

A Votergram saved the day
Sheer desperation hit me from dealing with ASIC and its website, getting no reply to mail and a 43 minute to 1 hour phone delay.

 Sunday I sent a Votergram into Federal Parliament seeking help.

Monday a Victorian Senator offered help.

Tuesday ASIC solved the problem.

Votergrams achieve wonders for business people dealing with government. Email Don't be mucked around!

15 July 2020
Australians more vulnerable to harm when working/studying at home!  Really?

 Rule No 1 -   we each have prime responsibility for protecting ourselves so others can help us more easily.
Look around! Those who do so are almost always doing better than those who don’t.

 The voices of the vulnerable can help them protect themselves. Yet they mostly suffer in silence. Why?
They may not understand the enormous power for good that democracy gives directly to each of them personally. That can give them the means, mechanism, systems and services to better protect themselves.

FairGO & Voters Network have, for 34 years, given every single Australian, of every race, colour  or faith, access to undreamed-of power to protect themselves via the parliament they elect and pay for that very purpose.

If you do understand, please encourage everyone you know to join Voters Network for party-free political participation or contact me at FairGO to make Australia an even better place than it is now - for them.

Numbers magnify your impact!


26 June 2020

When Politicians, Police and Judges behave badly...

If politicians cheat their own political parties and fellow party members, what do you think they do to you when they get into government?

When senior court judges sexually harass or abuse staff and other judges cover it up, what sort of justice do you think you get if appearing before them?

If police brutalise, assault, or taser a suspect in a relatively minor infraction while major crime flourishes, what sort of treatment might they give you if they thought you did something wrong?

Many Australians would not trust any of these people in a fit. Yet not all or even most politicians, judges or police are actually brutal, ruthless, abusive or power hungry. They are no more so than the rest of us, except for the fact that Power corrupts – power always invites abuse.

The simple remedy is for you to join Voters Network Australia to help governments avoid such behaviour.

Replacing badly performing politicians or  political parties in government with other politicians is not the solution. The solution is for voters to work side by side with whatever politicians are elected, to tell them what is expected and make sure they do it. We have learned that works well. If voters do not tell their elected representatives what they expect, it is unlikely to be done. Voters Network represents the vast silent majority of voters who simply want value for money and a fair go from government for all Australians.

Joining in the network does not commit you to anything. We keep your information to ourselves. We have no party political affiliations or preferences. We are there to help you and other Australians achieve your goals. Join now

Trusting government to look after you without helping politicians do that job is unreasonable laziness. By working together we all benefit. Leaving it to others, most of us will suffer. That is why Voters Network exists - to magnify your influence over your life and society.

12 June 2020
Making Black Lives Matter More

Well intentioned writers in the Sydney Morning Herald today suggest Sydneysiders turn off our lights for 8 minutes to show solidarity with the Black lives movement. We don’t need to “show solidarity". We need to get our politicians acting to solve the problem.

It will be far more effective if 50 of us each send a Votergram to each of our 350 Federal and State MPs, urging them to take action to help Black Live be equal in every way with other lives.

I have already sent my own Votergram seeking another 1,000 Aboriginal Primary, secondary and tertiary teachers to be trained & ready to start teaching by 1 January 2022, for a start.

Email . We will waive the modest fee for the first 20 people supporting Black Lives.

11 June 2020
Will Better Bankers work for or against borrowers?

New Nab chief Ross McEwan is going to teach his bankers “how to be bankers”, echoing the Royal Commission finding of “greed, misconduct, and a minefield of incompetence and blunders in the industry”, according to Sydney Morning Herald journalist Elizabeth Knight.

His lessons will most assuredly aimed to increase bank profits and every dollar the bank earns comes out of the pocket of a customer.

If bankers need to be taught how to make money out of lending, borrowers need to become “Better Borrowers” too, if they hope to reap more financial benefit from their loans.

Voters Network is establishing a Better Bank Borrowing Taskforce to lobby for more government protection for borrowers.

FairGO already offers mistreated bank borrowers a direct Votergram line to every federal MP to raise their grievances instead of wasting time with the industry owned Australian Financial Service Authority.

GBAC  Advisory will continue to work with bank borrowers to negotiate much fairer loan outcomes than generally flow to them without such assistance.

Send one of our Votergrams to each federal MPs seeking investigation of any unfair practices by your bank in connection with your loan facilities. Bankers will listen far more attenively to the MPs than to you.

10 June 2020
Major win for mental health sufferers

On ABC TV Julia Zemiro’s Home Delivery tonight The Chaser seemed doubtful that one could make serious change in society. That may be because he is not familiar with FairGO and must never have sent a Votergram.

On the other hand Dianne Gaddin OAM, tireless Votergram and FairGO campaigner would be pleased to have driven another major change reported in today’s Sydney Morning Herald, with Mental Health nurses to be integrated into the NSW Police. 

Congratulations Dianne. You have done it again and we have been happy to play a small part in your latest Mental Health victory. Voters pretty much always win in the long run, if they just persist and heed the principles on which Votergrams, FairGO and The Australian Voters Network are founded.

Thank you to NSW Premier Berejiklian and her government and all supportive MPs for this sensational improvement for mental health sufferers.

2 June 2020

"Populism”= people power & it does work
Peter Hartcher writes today in the Sydney Herald “Populism offers unworkable simple solutions to complex problems. So the problems still won’t be solved.” That is nonsense. Unpopularism – decisions by politicians and bureaucrats to benefit themselves, mates or political donors at the loss to the community, are unworkable too and don’t solve problems either. They just make friends wealthy.
Sure, street riots don’t do much to solve problems. Two wrongs rarely make a right as our mother constantly told us as kids. But when community members discuss issues seriously to identify the problems and challenges faced, to develop a range of good solutions, then determine what is preventing those solutions to be implemented, it works well. Community consultation has worked well for 50 years when run by the people, not government bodies trying to fool the people.
The next step is to persuade our elected representatives to adopt those solutions. The Australian Voters Network provides exactly that mechanism for any problem that exists. It also knows that the vast majority of Parliamentarians will adopt good ideas when put to them properly and given time to quietly make it happen in a way that benefits the vast majority of the people.
If some politicians do not wish to do what the people want the easy solution is to campaign for their replacement or the replacement of colleagues in marginal seats at the next election. By definition, elections put into power those candidates who are most popular. That is how the people force governments to do what is popular.
Only when voters fail to use their democratic rights to consider issues and persuade politicians or replace them, do we get saddled with unpopularism – bad decisions that work well for a few to the disadvantage of the majority.
Voters Network members provide every Australian voter, regardless or race, colour or faith, with a very effective voice on how our society should develop. It is done without any reference to party politics whatsoever.
Some of the issues requiring attention according to today’s media are:
Suggestions that Interest rates go negative so that we pay banks to look after our money. We know who that will benefit. One might think the Reserve Bank would give up the idea that lowering interest rates would convince more businesses to borrow for investment. With a major recession heading our way the smart businesses are clearing debts. Corona virus has taught many people that saving for tough times gives maximum flexibility when they hit and that excessive debt has caused many businesses to fail during the lockdown. Most jobs and growth will come from inland development to cater properly for a growing population
There is a serious question as to whether Rio Tinto should be banned from future mining or exploration in Australia after its destruction of what are claimed to be a 45,000 year old Aboriginal site.
The impact of climate change again raises its head and the people need to make decisions so they can instruct their MPs.

19 May 2020

The best performing politicians in the world
Politicians perform best with the active support of voters.
How do our Australian politicians stack up against those of other countries? Right now I would say “Very well.” They have managed to prevent a major disaster from the Corona Virus. We mourn with and for those who have lost loved ones. But we rejoice at the small number of fatalities compared to other places.
To take such drastic steps as the lockdown requires courage and faith in the professional advice received from senior bureaucrats and in the good sense of those voters locked down. It requires the bureaucratic advice to be as right as possible!
No politician or government can please all of the people, all of the time. But our federal and state Members of Parliament and senior bureaucrats have, in their handling of the corona virus crisis, managed to please most Australians. For that we should thank them. Government is a thankless task and people who perform well do deserve thanks. Every day politicians are criticised by someone who will perhaps never have to make such decisions. Criticism is so easy.
There will always be those inconvenienced or disadvantaged by the lockdown. We will also be very happy to help them get back on their feet and receive the fair go that Australians promise one another.
The best way to enjoy good government for yourself and your country in a western democracy is to get involved with it. FairGO provides you with the very best way to do that. We have no party politics. We help you guide government by working with it not against it. There are no acts of retaliation or retribution for speaking out because you do not attack government to get what you want. We help you gently feed in good ideas and diplomatically encourage their adoption.
FairGO gives Australians power such as they have never before dreamed of. That power can be used for their own benefit or the benefit of the nation. The unique feature of democracy is that it works for the people who take an active role in it. It often works against those who don’t. We each have a free choice to make.
Contact FairGO to learn how to acquire and use the Personal Power of Democracy

12 May 2020

Bank bonanza may bury borrowers
For bankers, the corona virus has been a blessed relief. The banking Royal Commission has faded away, eclipsed by an escalating disaster of drought, bushfires, business shutdowns and massive job losses.
The loan bonanza for bankers may end up burying borrowers in debt as a year or two from now they struggle to clear it. Join Voters Network for help with managing debt as well as challenges with governments. Don’t wait until it is too late. Bankers want you to succeed too, but they often do not give you the loan support you need. Sometimes financial counsellors can, but often they can’t. We can.

Buy now pay later is booming because most buyers will not be able pay on time and will be charged big fees that earn super profits. Personal financial security may come from adopting as much as possible a policy of save now buy later.
Debt is going to cripple family businesses and farms unless the borrowers do some very serious planning. Voters Network has some well qualified and experienced debt negotiators available who can help members borrow better and negotiate payouts that pay off for borrowers.

The world has changed and many richer people have stopped spending. That is how they get rich. It may well pay others to follow that lead. Life is going to get tough. The corona virus has only added to an economic disaster that has been on the way for years, as we have constantly forecast.
Voters Network is there to help voters all over Australia solve problems and shape society to serve them. There are many important issues other than loans. Join up to benefit and help others. We are looking for more Community Champions to partner with us to spread a new mantle of safety over Australia. Email if you are interested.

Our vision is not unlike that of Rev John Flynn who set up the Flying Doctor Service with the pedal radio developed by the brilliant Alf Traeger, to spread a mantle of safety over our inland long ago.
The Australian Voters Network has been set up using modern IT systems instead of a pedal radio but our objective and motivation is the same – to help people when they need help, no matter who and where they are in Australia.
If you see the merit in that, please pass this information to as many as you can. There are two roads to our website and . The network is free to join. Together we win, whereas on our own we battle the “system”.

8 May 2020

“Squabbling politicians must stop and start governing” says a letter to SMH 8/5/20. Really?

Squabbling is part of the political power play. They used to kill each other to rule and still do elsewhere. The new Australian Voters Network helps voters join the power play to their advantage.
Politicians care about voters, but first and foremost they care about themselves and their parties.
The Australian Voters Network helps voters shape their own and national futures. Currently the main power players are politicians, political parties, big business, and media. All compete for our taxes, resources and future. Look at sport grants, government contracts, dry rivers, climate change and tax evasion.
The letter criticises their “preoccupations with factional infighting, back-stabbing and irreconcilable differences”. That is how individual politicians increase their power. Each strives to eliminate rivals. By strength of numbers, experience, strategies and training, Voters Network enables voters to force politicians to focus on their main role of representing the voters’ interests in parliament. Voter disinterest creates a huge vacuum into which self interest, neglect, inability and corruption creep.
The letter says “they set a poor example”. They actually set a very clear example of how power politics works. From 30+ years of watching and analysing that example, Voters Network knows how voters can use that behaviour to exert influence for good government.  When voters set the example, politicians happily follow because it is their path to success at the ballot box.
Australian Voters Network was formed to rectify the problems of which the writer complains and it has been amazingly successful. Nobody corrects their teenagers via the media and it does not work with politicians either. The network gives voters easy access directly to every politician in Australia.
By party neutral networking, Australian voters can enjoy the very best governments in the world.

Sports stars are judged on performance in the game and politicians should be judged on their performance at representing voters’ views in parliament. Sports stars play best when facing worthy opponents. Networking turns powerless individual voters into a powerful, informed and cohesive force receiving satisfaction from politicians in return for their votes and taxes.

The letter suggested that politicians are, by standing for office “pledging, from different political viewpoints to work harmoniously for the good of the state or country.” When a politician says the words “I pledge” so and so, that is a pledge. Nothing else is. Voters Network is the first national, party-neutral organisation to enable all voters to work harmoniously for the good of themselves, the state and country. When voters do that, politicians soon follow. It is the obvious way to win votes.
Democracy is a power game in which numbers and knowledge give people more power. Voters Network gives previously powerless voters the opportunity to gain almost unimaginable power through strength of numbers, knowledge and support. The network gives its members the power. It does not use members to gain power for itself.

That is what is unique about the Australian Voters Network, apart from 30+ years of successes in FairGO and with Votergrams, on which it has been built.

1 May 2020

Debt Negotiator Best for Borrowers
 A debt negotiator’s claim in Sydney Morning Herald on May 1, to be 1st in Australia (in 2001) is false. GBAC & Moneygrams began negotiating on bank loan applications and write-offs in 1987. Last year one major bank wrote off 100% of a large mortgage loan for us. We have arranged debt write offs, better loans and re-finance in every state and territory in Australia for 30+ years.

Nobody has the same negotiating tools, experience or solutions as GBAC backed by FairGO and the Australian Voters Network does. We don’t do this to earn a living. We do it because we care deeply that Australians are treated fairly by their governments and their financial institutions.

Most borrowers simply do not have the time or skills to do this negotiating and few negotiators care enough to put their customers first before their own fees. We negotiate very hard with the banks to get a good deal for borrowers. We would not have been attracting debt laden borrowers for over 30 years if we could not do the job well.

But it also pays to borrow well in the first place and without professional assistance that is almost impossible. Then management of your loan is very important throughout its term. This is where many borrowers, particularly businesses and farms, come unstuck. It is not expensive to do, but is great protection against foreclosure.

28 April 2020

Working together when times are tough!
In difficult times we work better together. We toughen up, become more resilient & less self-centred.
We are certainly in difficult times now and there are more difficult times around the corner. Banks are making massive provisions for bad debts. That means they are going to write off billions of dollars in loans.
Does that mean they will be throwing money out of the office windows to be picked up by those in need. Hardly!

Before a bank writes off any debt it will give the borrower a good working over. The bank will ask those who fall behind on payments to cough up, or else. It will threaten for a while then get serious. Then banks will take the borrowers’ homes, businesses, shares, investments or farms and those people may lose everything they have worked so hard to build up.
There will be a lot of blood sweat and tears before any bank writes off much money, let alone a Billion dollars. The problem is that when that happens, so many properties can come onto the market that their values fall. Nab predicted yesterday perhaps as far as 30%. It could go further. Values have certainly risen fast.

So if you are a borrower feeling the pressure of debt, what do you do? As well as running the FairGO Voterlobby and Australian Voters Network, I also run a debt consultancy. You see, I am pretty keen on people being treated fairly and I know that a lot of borrowers get treated very badly when the loan goes bad.

It won’t cost you a cent to phone me on 0428 417 496 or email me for a brief chat. I believe that the earlier you start to deal with a problem the easier it is to solve. There are many ways for borrowers to come out of their loans doing well, but it takes some careful planning and management. Many borrowers have plenty of other skills but debt management is not one of them. We are happy to tell you how to do it or do it for you. We spend a lot of our time negotiating with banks for borrowers and they usually come out a lot better than they expected.

Feel free to ring. The firm’s initials are based on my name, but many would agree that Good Borrowing Advice Counts with a lot of debts. Ring in business hours. Put “loans” in the subject line of your email so I can give it priority.


22 April 2020

Massive “No Value” Mortgage Insurance Fraud by BIG
The article in the Sydney Morning Herald Money section today by Nina Hendy touched on but did not explain the greatest financial services fraud operated in Australia today by banks and insurance companies.

Our associate, GBAC, took on one bank & insurance company on behalf of one borrower who asked for help, and won. The borrower walked away without repaying the debt. We will take them on for you any time.

Read the full story on the gbac blog.

21 April 2020

Tracking app
People power
Politicians robbing voters
Bankers and the virus

Could it be a tracking app trap?
Many Australians are tracked daily via Google and are happy about it. So what’s the worry about the coronavirus tracking app?

Some reviewer said “I don’t see a problem with it. Police can’t get the information”.
She could not guarantee that? New laws can be passed any time. Police are not the only problem, although recent raids on homes of journalists to prevent the public knowing what government has done are a worry. A more dictatorial politician could have been elected PM and given the tracking app control to ASIO, already planning to spy on Australians at home, according to media reports.
Any government can make legal tomorrow what is illegal today. No present politician or bureaucrat can forecast what future ones will do.
Stopping corona virus is vital but we have done very well to date without giving government the right to record, store and analyse where we go, who we visit, meet or phone. Massive amounts of Australians’ private data held by government have already been leaked, stolen, sold or dumped.
Voters need to think this through and let politicians know how they feel.

People power is yours, Right Now!- individual or organisational
Members of Parliament work for you and mostly they do a very good job. But they do heed those who tell them what they want done. Some people just suffer in silence, but that is not necessary or desirable.

Votergrams, the FairGO Voterlobby & the Australian Voters Network exist for your benefit so that you are never powerless in Australia. They exist to give you unprecedented power to influence the future of our society. As the song goes “You don’t have to suffer in silence”. Have your say in an effective way!!
But if you are ever victimised by anyone, Votergrams to every MP in the relevant parliament will most likely put a stop to it.

NSW MPs plan to sell of our assets to pay for future ones!!
Financially incompetent NSW govt ministers promote political fraud - selling off infrastructure already paid for and owned by voters, in order to fund future infrastructure for future users. That is theft and the exact opposite of “user pays” –instead those who have worked and saved and paid taxes pay, but use it less.

New public infrastructure should be financed by loans, Govt bonds, superannuation or bankers.  The people who will use it should service and repay the loans through taxes, duties and charges as they use the assets. Don’t let MPs deplete the assets we worked so hard for, to placate lazy incompetent  ministers & enrich private profiteers at voters’ expense.

Bankers and the virus
Should bankers, as well as allowing the 6 month P & I holiday, extend it to 12 months in some cases and waive 50% of the interest deferred, otherwise borrowers, including landlords & tenants, carry all the actual losses, while banks just defer their revenue stream and earn compound interest on it.

31 March 2020
Corona virus health and money crisis

Those who have always saved money and borrowed little will have missed out on some pleasures they could not afford, but they will have savings to help tide them over much of the present crisis.
Those who have spent, not what they have saved, but by borrowing in anticipation of what they will earn in future, may have come unstuck. Foretelling the future is a risky business. Happy to help them get the finance they need in a way that does not mortgage their soul for life.
While some Australians struggle on the median wage of about $50,000 pa, some business executives and owners earn up to 200 times that and public companies earn billions after paying very little tax. A few are very generous with their money. Most are just sucking cash out of the economy like giant vacuum cleaners for their own use. Many are sending it offshore to avoid tax, laundering it through international call centres, banks, accountants and lawyers, thanks to generous politicians who pass the laws that allow them to do so.
Saving instead of borrowing is probably the most important cure. It is being in debt that creates a crisis out of any loss of income.
Using the credit card sparingly but to get through the crisis then paying it off. Using cash or paying the full card balance off every month is the wisest course of action to avoid risk.
Looking before you leap into a loan, with a good loan consultant like  my GBAC at your side, is probably a good move. Know whether or not you can meet the loan terms. They all have to be paid back in the end.
Expert loan management enables the borrower instead of the bank to benefit most.
Poorer people than the ultra-rich control the vast majority of votes, so for them, taking a greater interest in government could earn them a lot more money than working two jobs.
That is one reason why, as well as helping small business and farmers get a fair go from their banks through GBAC, I run the FairGO Voterlobby and the Australian Voters Network. Free enterprise capitalism is a great system, but it does not have to involve greed and self-indulgence or political bias toward the donors who finance election campaigns. Voters own the votes. By wise use of votes they can vastly improve their lives.
Borrowing more from banks is a two edged sword. Today it has restored business life to normal. Tomorrow it might cut off your head.
 The government, led by the Feds, have done a great thing by moving to stimulate the economy and put money into the hands of those worst affected. That is a great role for government. Of course later there will be a massive debt for us to all pay off, but if we work hard and share the tax load fairly we can all recover well. Let’s hope the strong take the weak with them. Take time if you can to thank your MP, because they will all be working hard on this corona-crisis. Ring your local MP or send a Votergram to every one of them.
The way to pay of business debt is to work hard, ensure profitability and schedule debt repayment as a top priority.
GBAC has played a strong role for over 30 years by negotiating debt repayment deals with banks on behalf of borrowers. There are many times when a bank will accept less than face value for a debt – always when it works well for the bank. GBAC has developed special skills in that area. A few months ago a bank wrote off the whole debt which was a great deal of money. Banks can be very decent when approached properly and they do have a bit of lee-way because they are so profitable.
People do deserve fair treatment, even from moneylenders. Make sure you get it.
Part of the cure is to take control of your finances and never let them go. Control the lender instead of letting the lender control you. That means understanding and honouring your own obligations before accepting any loan.

28 March 2020

Ambassadors are needed to help empower the Australian people. Earn a little money at the same time. We have 34 years experience at helping people solve problems. Australian Voters Network – FairGO Voterlobby – GBAC bank loan consultancy. Contact

Rarely have MPs so much needed to hear from voters and voters so much needed to hear from voters. Login or join then post your questions or suggestions for politicians on . They will go to all federal and state MPs on Monday by Votergram.

23 March 2020

Better way of buying home ownership
Housing shortage is caused by politicians focus on keeping people in capital cities to force prices up for big profits instead of developing inland cities.
Split ownership being used in some states to help people buy homes.
Why wouldn’t we do the same in NSW or federally in inland cities & towns? It would be easy to have an agreed value on affordable housing there at about a quarter of capital city prices now and agree that all rent would go towards purchase of home, interest-free with the percentage ownership moving from government to the buyer and the buyer able to transfer their ownership at any time to a new occupier. Over a generation a family would be able to move from rental to home ownership.

13 March 2020
10 Handy hints for handling the corona crisis

  1. Tighten your purse strings because it may lead to a recession wiping out jobs, house prices, shares and government funds.
  2. Just putting money into your bank account makes it available for someone else to use.
  3. Do everything you can to help your employer/ employees keep afloat.
  4. If you lose work, quickly look for anything else you can do to produce money.
  5. Get to Centrelink fast, as it will be overwhelmed.
  6. Look for opportunities to buy or invest cheaply but know that prices may fall further.
  7. If you have a loan, phone your lender and ask what you do if you are unable to make a payment on time. Don’t avoid them. That really makes them mad! Talk to them.
  8. Don’t despair about debt. If you cannot get the sympathy you need, give us a call and we will hwlp you sort it out.
  9. If you have something you want government to do, give us a call and we will tell you how to persuade politicians to get it done.

Take comfort that nothing lasts, good or bad. This crisis will pass. Try to sit it out.

10 March  2020

Everyone needs a fair go now

Qantas CEO Alan Joyce is foregoing his salary to support Qantas staff as the recession hits. How good is that!!  Bravo Mr. Joyce. Very well done! What a great example that the Federal government should ensure other executives follow.

A seldom seen picture surrounds Blue Mountains visitors as they watch the bushland renew itself after the bushfires. Rarely can such new beauty be seen, so it is worth the trip.

Hints for recession:
Cut spending and save if you can for what could be tough times. Let the government stimulate the economy, not you.

If you have a problem with your bank loan go and see the bank to discuss it, or contact FairGO or GBAC Advisory. Don’t put letters of demand in the “Too hard basket”. That is how homes, businesses and farms are lost. Act early!

Work hard and help your employer to cope so that you become invaluable. I remember one time in a recession when I had just started my Chartered Accountancy practice, fairly newly married with 2 children, and times were tough, I had a superb secretary called Alex who cut her own pay without even telling me. That is what helps small businesses survive – support from within.

The suggestion that inland water plans are being made without proper scrutiny reeks of corruption. Concerned voters should join their peak body, Australian Voters Network and join the discussion while we still have water to manage. Government will never do it on its own because it will always be pressured by the most selfish users.

NSW Government is to be congratulated for prisoner rehabilitation initiatives. Many people who break the law have simply not had the chances in life that people like me have. We all benefit when we help the most marginalised. Many criminals can be helped by education and encouragement. That is not supporting crime. It is preventing it in future.

A letter in SMH today says “Leaders must be role models”. If it refers to politicians, I think that is a bit rich. Politicians are our “representatives” to parliament, not leaders as if they were kings, queens or dictators. Why would anyone think they should be role models? Have you watched Question Time??  Their job is to run government, not be role models. It is us, the people, who need to be the role models. Then those we elect to represent us will be more likely to follow good examples.

Hundreds mourned for Hannah Clarke and her family, victims of horrendous domestic violence. How easy it is to attend a funeral. How hard it is to get voters persuading politicians to do more about the violence. If we had a tenth of those people at the funeral,  joining the Voters Network campaign to prevent domestic, family and sexual violence it would fall dramatically instead of rising, as happened with the road toll, now down 75%!

28 February 2020

Why do the rich and powerful control government??
Because controlling government makes them rich and powerful!

You can do that, to a greater or lesser extent, no matter how rich or poor you are now.

Our governments in Australia are run by politicians who represent you in parliament. Contrary to popular belief, many of those politicians will be keen to help you, if you ask enough of them in the right way.
I started the Votergram service to give every Australian an effective  voice to government. It does that very well. What surprised me was how willing so many MPs were to help the community members and bodies who asked them for assistance via Votergrams. Of course Votergrams were never just a messaging service. They were a finely tuned political persuasion package.

Power blossomed and barriers fell
 After that I formed FairGO to help people run political persuasion campaigns. It was so easy to protect the Australian chicken, apple and pear industries once we found valid reasons. I enjoyed the chicken growers’ conferences and visiting the sheds, but the apple and pear campaigns were all done by phone. It was the small number of Votergrams it took for a health group to have smoking on commercial planes banned that lifted my sights. Then we won the campaign to keep the snowfields available for community lodges and I began to see how much power ordinary people could have by influencing their politicians. It took just one votergram to win victim’s impact statements in court cases, just one to have pharmacies dispending generic medicines and just one to give safe drivers a 50% discount on their licence renewals. We don’t make a profit but as a former FCA I believe that we run a very successful business in FairGO.

Personal needs were as easy to solve as community ones
It did not matter whether it was getting people with mental illnesses treated, a young man with cerebral palsy government funded care in another state or school facilities for children. The politicians waved magic wands for us. Many are champions of the first order and that is why their names appear in the Politicians Honour Roll The highly successful road safety campaign was the clincher. I knew then that with the right research, strategies, tactics and engagement, any Australian could exert amazing power for good.

In the last two weeks I have seen two long drawn out problems salved almost overnight by a single Votergram. From the 1970s where Government treated me like dirt, I had moved to an unimaginable position of power. But I have never wanted power. I just enjoy giving it to other people. The parents of runaway children enticed away by big fortnightly payments, were overjoyed at the Senate inquiry we secured and the changes in how Docs and police changed tack to build families up rather than tearing them apart.

You can generally achieve what you want if you are prepared to do what it takes

5 February 2020

Would you like a Code of conduct for MPs & Voters?

5 Questions to answer
1. Was the Sports Rort $100m of taxpayers’ money paid out to win votes for political parties?
2. Could $1.7b paid in Australian government fees to 4 major consulting firms have been paid to attract the $4.5 million that those firms donated to political parties?
3.  Could the $4.5m in donations to the political parties, have been paid to gain the $1.7billion of taxpayers’ money paid in fees to those donors.
4. Is any of this “Money Laundering”?
5. Are you completely happy with this use of taxpayers’ money or do you think it is unfair and unreasonable, perhaps even dishonest?

Please email with your views or post a comment on the Forum discussion on the Code of Conduct.

Australia has the potential to deliver to all its people very pleasant and rewarding lives. Of course it will not happen unless we, the people, make it happen.

What voters themselves do is what determines what politicians do and that determines what government does. A Code of Conduct might help us all.
If we want happy, rewarding, exciting and enjoyable lives free of disasters, we can have them. It just requires us to get our governments doing what we want. We pay enough for that purpose.

Local MPs , not just your own, but all of them, are the key to good government. We voters have no authority to exert influence over anyone else in government. But local MPs depend on us for their careers.

To be fair a Code of Conduct should also be a Code of Conduct for how we voters treat the politicians we elect and pay to represent us, in order to get the best out of them.

If you would be happy to help with this self-improvement task for Australian society, please join in and ask your friends and colleagues to do the same.

The forum turns  community views into government action by a 3 step process - 1. Discussion,  2. Voting on suggestions made by voters,  3. Political persuasion.

Join in now and have your say in the most effective way!

9 January 2020
Peak bodies are the strength of our society. They funnel our wishes to decision-makers.
This will be FairGO’s 4th decade of enhancing Peak Body Power to produce good government policies.

Peak Bodies have an essential and challenging role in our society. They build bridges between their members and the government.

Politicians face a dilemma in trying to work out how the claims of peak bodies, who are lobbying for their members, match the desires and expectations of the broader community. We know how to fix that.

Often claims are about money which fits well with our accounting and economic backgrounds on top of our unique presentation strategies.

FairGO also assists individuals wanting to influence government over personal matters such as obtaining  necessary hospital or medical care for a relative or improving sub-optimal school facilities for their children.

The results FairGO has produced in its 3 decades of operation are truly amazing. Nobody has been more surprised than me. Running my Chartered Accountancy practice but concerned at the way governments were abusing the voters, I did not ever dream that governments would be so obliging. I tried many different mechanisms and strategies before I hit on the right ones. Now that I look back I ask “Why wouldn’t they help voters?” The answer is “No reason at all.” Governments are just as happy to help us as to hinder us. Their challenge is knowing what we want done and why, then allocating the resources to do it.

The old way of lobbying was to target just the relevant minister with submissions and back that up with support from other high-profile MPs. People came to me and said that just was not working well. Today all parties realise the potential for nepotism, inefficiency and corruption in such a system where even the ministers may have little understanding of their portfolios. FairGO has perfected far better strategies to persuade politicians to do what is wanted by peak bodies.

That augurs well for Australians because peak bodies are currently dealing with some particularly difficult issues as has been shown by inquiries into aged care, child abuse, banking and health care. We need governments to listen and act on what they hear from credible sources, ensuring that those most in need are receiving the support they deserve.


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