Tag Archives: GFC

Rebel Wilson’s defamation payout from magazine publisher Bauer Media reduced on appeal…???


If our learned judges can disagree so significantly, no wonder our whole world is upside down! Seriously, how can one judge award $4.5m and another, on the same facts, $600,000??

How the hell are we meant to know what is real and what is not when the System itself is full of lies, manipulation, inaccuracy, deceit and completely false reporting which is somehow our fault for shortening the news cycle? I for one certainly do not remember contacting the news media and asking them to broadcast any old crap because I want to read it quickly them get on with my life.

Did I miss a memo??

They also tell us there is no inflation, yet we get far less for the same money than we ever used to. Fewer crisps in packets pumped full of air, packs of four becoming packs of three for the same price, and our taxes such as car registration, ESL, Land Tax, speeding fines (which you cannot convince me is not a tax and a barely legal one at that) all tripling in price, or more.

Our cost of living has risen significantly and yet inflation is somehow measured as being between 1.5 and 2% here in Australia??

But we are wrong, of course, they couldn’t possibly be calculating the inflation rate incorrectly…heaven forbid!

We are being kept in the dark and lied to consistently, and far more often than we were ten years ago. It is all since the GFC and the consequences of which that still affect our economy today.

If we taxed everyone 100% of their salary it would still take many years to pay off our country’s debt. The poor USA has around $2 trillion in debt! I feel a default coming on, and not just in the US of good old A.

All our so-called Leaders and ‘Experts’ can do is disagree violently with each other, making fools of themselves when they don’t think we see right through them. How many of these expert’s predictions have actually come true? So please don’t call them experts in the media before you have asked how accurate they have been!

Any moron can be an Expert, just ask me.

We have been completely rooted by the powers that be, by major banks and other companies who can only see dollar signs and act on greed. And yes we know it is happening, you have not fooled us, as evidenced by the last few elections which have been massive messages of ‘we don’t trust you’ with a very large middle finger extended for emphasis.

And which dickhead made the rule that if you work just one day a fortnight then you are not counted as unemployed?? Give me a break and at least be somewhat realistic and make it 5 or 6 hours a week. One?? Really?? So our unemployment rate, the real rate we feel in real life and not those that live in fantasy land in their lofty offices who make these moronic decisions. Our unemployment is probably 2-3 times higher than reported, and we all know it and yet no one says it because it would be too awful to hear.

Sometimes the truth is the bitterest of all pills to swallow.

Sorry, when I saw this article I just had to vent. It blows me away that a judge can award $4.5 million then another judge hearing the same evidence awards just $600K….???

Unbelievable. That is how I describe our lives today.

No privacy because it’s for our own good, fighting wars because of WMD’s that were never there, the greed and corruption that brought on the GFC and still no one has gone to jail for it.

Dairy farmers going broke but supermarkets saying that it’s not their fault they started a price war of $1 per litre.

Large businesses making record profits and bonuses when our wages have hardly moved in ten years?

Just how stupid do these idiots think we are?

Don’t answer that, please, it will only make me angrier!

Is there too much white collar crime or are we lucky there isn’t more of it?


We live in a society where white collar crime has never been higher, or more well protected.

Just read any book on the GFC or High Frequency Trading. You will quickly learn how so many became so rich at the expense of the hard working lower and middle class. Like you and me.

And no-one has been charged with committing any crime.

In the GFC companies (driven by individuals within them) made junk loans to people they knew were never going to pay them back. They then packaged them up and called them A+ secure, sold them to other investors for huge commissions then bet on those same junk loans defaulting.

And yet we still listen to those corrupt ratings agencies, Standard and Poor and Moodys, and the ratings they put on investments today. Why? Because the corrupr at the top welcomed them back with open arms as being fellow greedy and unlawful money makers, just like them.

They made millions, some billions, and yet no-one was held accountable.

Indeed the senior ezexutives of companies they knew were going to collapse, sold their company for a bargain price but not before they votes themselves huge bonuses. These bonuses were then paid by the US government bailout funds. Tax dollars of individuals put to good use…NOT.

As soon as the GFC was exploding around them the same firms started high frequency trading. I will not attempt to explain it in detail here, because not even some of those who participated do not know how it works. Suffice it to say that the big end of town were making stock trades that made them hundreds of millions while the average investor, often their own clients (people like you and me) lost everything.

Given these are only two situations that we actually know about, there must be many, many more. The current Royal Commission into the finance sector here in Australia has revealed much, but only because the Australian Government was forced kicking and screaming to agree to setup this investigation. They were trying to protect their mates.

Is it a coincidence that our Prime Minister made a fortune as a merchant banker and therefore would have countless contacts, friends, amongst the senior executives now being investigated?

As disgusting as all these examples are, I now believe that the ease that people and businesses can make themselves richer and the poor (us) poorer, we are actually fortunate it doesn’t happen more often.

If you read enough books, and get a pool of money together through friends, family and a few acquaintances you too can rip people off to your benefit.

So as bad as it is, and it is pretty damn bad, I actually believe we are lucky more people do not succumb to this temptation.

Corruption in our society starts at the top with heads of big business and political parties, and as proven many times over the fish rots from the head. So they are setting us all an example that we could easily follow. That example is greed.

Yet approximately only the top 5% do so. It should be more widespread but I do not believe it is. Why? Because the majority of people have ethics and morals that prevent them from acting as decedantly and greedily.

Yes, we live in bad times like never before as the gap between rich and poor grows by the hour.

However I like to believe that it could be a lot, lot worse and will stand with those trying desperately to shine light into dark corners.

Because greed is not hard wired into our system, helping others is.

I just hope there are enough of us to stem the growing tide.

My own ME/CFS/Fibromyalgia story


I am writing this with the benefit of 20/20 hindsight, in the hope that someone else may recognise the symptoms I had (and ignored) and do something before it is too late.

When my first symptoms appeared I did not rest but ‘fought bravely on’, or so I thought. The truth is I made it much, much worse for myself……

Let us start at the beginning.

By all accounts I was a precocious kid who was also very shy.

About the age of five or six (maybe seven?) I came down with glandular fever. I did not know it at the time but this was very bad news and quite possibly the beginning of my current condition.

I remember feeling incredibly exhausted and in pain all over my body. After I was diagnosed I had six to eight weeks off from school and vaguely remember being so tired that I couldn’t do anything, spending all my time in bed. Not much fun without the smartphones and laptops we can enjoy now.

I was very young for my class, as my birthdate of early February allowed me to start before I was strictly of school age. This meant I finished Year 12 when I was only sixteen.

After the glandular fever I was a fairly normal kid. I spent ages outside playing with the kids up the street, running around with the best of them. In fact my parents had to tell me, on many occasions, to calm down and not make so much noise.

I wish I had that energy now!

In grade eight, from memory, I started to ride my bike to school. This was no mean feat when you consider we lived five miles away as the crow flies, and there were not many crows around to give me a lift so it was probably a six mile trip for me and my bike.

I participated in all sports, cricket and football being the main ones, and ran the 800 metres on sports days.

The only symptom I can recall near this time is that when I became a teenager I would sleep (when on holidays) until two or three in the afternoon. My Mum chided me for this, and why not because it was not normal behaviour. The beginning of CFS?

I exercised a lot, including a 1.5 kilometre run most nights (yes I know I’m mixing metric with imperial, I was at school when it changed so give me some latitude here!) so I did not lack energy.

When my University days began I do remember waking up feeling more tired than when I went to sleep. I had to drag myself to go to boring lectures and tutorials. However I thought the tiredness was because of my hatred of University. Another big mistake.

Then I started my first job as a Management Trainee at a bank. I quit after less than two years when I thought I was underutilised (I had taken to bringing a book to work because I got my work done too quickly).

In hindsight I was monumentally stupid. I was in their marketing department at the time, a role I would kill for now.

However I knew better (I didn’t) and since I had got my first job at my very first ever job interview, how hard could it be to get another one?

Bloody hard, especially if you quit your job during a recession. More fool me.

I spent the next two years doing odd jobs (storeman, pizza delivery, market research) before landing a role in retail sales. Oh, and waking up exhausted. The CFS continued and I knew no better so I soldiered on. Another big mistake.

My personal anxiety at this point was through the roof. I finally got a full time, steady job, but as a retail salesperson. Every day for the first few months I’d have to psyche myself up just to get out of my car and walk the few remaining steps to work.

My anxiety was stratospheric.

My morning tiredness by this point was out of control. Coca Cola was my staple drink, three or four cans a day to keep me awake…plus I loved it!

Fast forward a few years to my thirties, still changing jobs every two or three years because I would get bored. My first marriage had imploded and my morning exhaustion had me eating a Mars bar with a can of Coke for breakfast, just to get going. Yet another clear signal (with hindsight) missed.

This went on for a few years.

After my failed marriage, which meant I could only see my son (who was the light of my life) every second weekend, my stress levels were on another planet.

During the twelve months directly after my wife and I separated I suffered tonsillitis three times, was made redundant twice, had my wisdom teeth out, a knee operation and almost died from liver failure due to an auto-immune disease. Stress galore and even more tired in the morning.

Looking back now the stress was so enormous it was always going to pay me back, big time.

At this stage I definitely had what would be diagnosed today as CFS. They say the best thing you can do at early onset of CFS is to rest. However I was going through a divorce and had shamefully had to move back home because I was broke, so no rest for me.

Fortunately another good job came around and I was spending more time with my son (50/50). He kept me going when I was totally exhausted. How could I stop with a young (three or four year old) wonderful, incredible child to care for?

I had a lot of sales roles early in my career and as a sufferer of anxiety this was not good. However I persevered because I liked unemployment even less.

Waking in the morning was becoming a far more serious issue, as I had to force myself to roll out of bed to make sure I wouldn’t go back to sleep. Days were just a blur and I couldn’t wait to get home and lie down.

Sound familiar?

My fault entirely, as some management consultant had given an IQ test to everyone at a place I worked whilst in Sydney (another story). The good news was that he recommended I join Mensa and he told me that if I found myself in a room of two hundred people then I would, on average, literally be the smartest guy in the room. After the ego died down I put enormous pressure on myself to succeed (in anything, I just had to!).

After my return to Adelaide I was working a normal nine to five job, then at the end of that day I went to an office I shared with a friend, in a startup business we saw promise in. After just over a year of this and having a local distributor steal the exclusive rights to what we were selling, we decided to call it quits.

I was so damn tired I could hardly think straight. But I HAD to succeed and be a millionaire by the time I was thirty-five! This was the worse thing I could of done to my now very fragile body and mind.

Then I met my second wife (still married eighteen years later) who is very much into health. She became very concerned over my morning tiredness and the stress I was under.

After actually waking up feeling refreshed (the only time I can remember doing so in my life) on Kangaroo Island on a holiday, I readily agreed to see if anything could be done. I wanted more mornings like that one!

My first doctor diagnosed me with anxiety induced depression and I was put on a drug that, again in hindsight, made my ME/CFS condition worse. I took Zoloft for the next fifteen years. Zoloft can lead to ME/CFS and Fibromyalgia.

A few years later I joined a very small business and invested a lot of time and money into it. The business was in the finance industry, and I joined exactly one month before the Global Financial Crisis wiped us out.

My timing, when it comes to money, has always been atrocious.

Even more stress now, as we faced the reality of possible bankruptcy and losing our dream home. For the next three years I worked every single day (yes including Christmas Day) networking and chasing clients for my own sales and marketing consultancy, as there were simply no jobs during this time after the GFC. Money was great one month and terrible for the next two or three.

Even more stress.

Then I started teaching international students all about business, team building, leadership, finance and marketing. I loved it. However I was still waking up feeling exhausted.

Then in about April of 2016 I had what I thought was the flu. I felt like I had been hit by the proverbial bus but strangely did not have a blocked or runny nose. I now believe this is when my Fibromyalgia began, with this virus triggering another that had lain dormant since my glandular fever, causing my ME/CFS and Fibromyalgia to explode.

The GP I went to for this ‘flu’ told me to rest and wait it out. I tried to talk to him about my exhaustion for the last thirty years but he dismissed all this, telling me to get a good night’s sleep and take up exercise. The worst possible advice for the condition I had.

I went back to work a week later when I should have stayed in bed. If I had I probably wouldn’t be in the situation I am in now.

Then my legs started to feel incredibly heavy, as though made of concrete, and I began walking crookedly, uncontrollably, crashing into walls and, most embarrassingly, walking into student desks. The pain in my legs started soon after.

Finally I was getting the message my body had been trying to tell me for the last thirty years…”Stop! Rest! You are an absolute wreck!”.

The next doctor (I did not bother going back to the unbeliever) was sympathetic and actually believed in ME/CFS and Fibromyalgia. However she told me she did not know enough about it and so referred me on.

In so doing she did me an enormous favour and I will always be grateful.

The next doctor was a godsend. I first saw her in July of 2016. She had no preconceptions about my condition and was treating other patients with the same symptoms.

I had a five week break over Christmas that year (2016) after struggling to get through every day beforehand. I did nothing but stay at home and rest, but at the end of those five weeks I did not feel any better.

My suspicions were confirmed on my first day back at work as my symptoms were as bad as they were before my break. This way the time when I knew something was seriously wrong.

My new GP sent me to a Neurologist, fearing MS, whom I saw in January 2017.

The Neurologist shared the suspicions of my new GP and booked me in for an MRI. It showed lesions in my brain but it was inconclusive for MS.

My all over body pain (Fibromyalgia) got steadily, and significantly, worse. Eventually every day when I arrived home after work I had to ring my wife to come into the garage, and help me to get out of my car. I could not get out without her help.

Eventually I asked my boss at the time if I could work from home every Wednesday because of my illness, as Wednesday was my admin day. I had taken increasing numbers of days off before this just to try and cope. Unfortunately he did not believe me, instead he asked if I had my own business outside of work or was I working for someone else each Wednesday. That relationship was therefore doomed, and I must my part that with everything that was going on in my life I was probably not being a model employee

Shortly after I parted company with my sceptical boss, and had another teaching job within days, working just three days a week.

Unfortunately my condition continued to deteriorate so I started working just two days a week, then one. Finally I had to tell my employer that I couldn’t even do one day a week because it was taking more than a week to recover from just that one day.

With fear and dread at the consequences, my wife and I had decided that I simply could not work in my my condition.

In June of 2017 my Neurologist ordered another MRI which showed no change. Just in case she had missed something she referred me to a Specialist Physician. The good news was that she did not think it was MS, which was a relief.

The Specialist Physician diagnosed me with ME/CFS and Fibromyalgia. I finally had my diagnosis! I felt relief and dread in equal measure.

While all this was going on I was dealing with superannuation insurance claims and the reality that we were going to have to sell our dream home. Keeping our house clean for open inspections was a never ending task for my poor wife, as I literally could not raise a finger to help her.

This all happened from April to September last year.

Then our house sold, a bittersweet moment filled with regret, sorrow and extreme guilt for me. After all it was because of my illness that we had to sell.

I suffered more stress since July 2016 through to when our house sold in September 2017 than ever before.

And now we had just thirty days to find somewhere to buy or rent.

Fortunately we found a beautiful place in Nairne, about another fifteen minutes out from the city. It is smaller than our last home but we are loving it more and more each day (to my eternal relief!).

However prior to knowing that we would love this new home, but feeling a little excited because it was so new, the packing and moving happened all around me as I looked on helplessly and with much guilt.

Yes, stress levels even higher again. I know now that had I taken a few months off after my ‘flu’ in April 2016 I could possibly have recovered completely. Unfortunately I refused to give in and kept dragging myself to work. The alternative at that stage being far too terrifying as I knew how much my wife loved our home, as did I. I was also not sure if we had any insurance that would help us.

My wife and I had visions of a tiny unit in Elizabeth. Or even worse, asking to stay with my parents for a while!

After we moved I spent my time chasing Centrelink and insurance companies, and suffering worsening symptoms. The pain was intense over every square millimetre of my body and I had not had a day without this pain since April 2016.

At one of my visits with my new GP in around August of last year I told her I felt as though I was slowly dying.

We kept trying different drugs but the opioids gave me very bad side effects. One night I almost asked my wife to call an ambulance for me, as I was experiencing severe gyroscopic dizziness and was not sure where I was.

Today as I write this I am in ‘forced retirement’ while my poor wife, who has been an angel through all of this (as has the rest of my immediate and incredibly supportive family), has to keep working.

We have about eighteen months of Income Protection payments left, after which I will receive less than half that until I turn sixty (I am fifty-four now). Then it is the Disability Support Pension which took ten months and the submission of about one hundred pages of information to approve.

My GP has been trying some different drugs lately and one has given me some small relief. Unfortunately my days are still filled with sleeping, reading, watching Netflix, taking drugs and trying to take a shower.

And yes, when I tell that to some people they respond by saying it sounds like a wonderful holiday to them. Then they look at me, see (on the surface) a healthy looking person and either turn away or give me that stare first, the one that says; “You’re a lucky bastard.”

If they had to spend just twenty-four hours in my skin they would be begging to return to their previous lives.

Boredom is a major part of my life. I cannot walk more than 500 steps a day without having a crash the following day. A crash is even more pain, a migraine, incredibly painful feet and hands (so I cannot walk anywhere or hold anything), dizziness, insomnia (wired-tired), not to mention the pain on every square millimetre of my body.

Basically I spend the day in bed taking as much medication as I am allowed and go through three or four cold compresses for my exploding head.

Back to some good news. At least now I know what illness I have and all the uncertainty, forcing myself to work when feeling like death, disbelieving doctors, sceptical employers and the stress of losing our dream home because of my illness, is all behind me.

I have no idea what I will, or can, do for the rest of my life. However one thing I am sure of is that I want it to be a very, very long one.

Hey??

Every moment I spend with my beautiful wife and family is worth all the pain and suffering. I hope that you have someone in your life that makes you feel the same way.

Good luck to us all, and may a cure not be too far away!

Post GFC


Well, it looks like we survived (sort of). The unemployment rate did not leap up as predicted, although personally I believe this is because many people went from full-time to part-time work or at least had their hours reduced.

So, while we wait for the inevitable bleating from world governments regarding how they need to massively increase taxes to pay for their amazing stimulus packages, we watch as millions are wasted in Copenhagen.

The merry-go-round continues!