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Topic 5: The Money System – keeping in control» Influences of advertising No one wants to lose total control of their money. There are many people out there who want your money too. It is good to keep up to date with all the latest [scams]. It is really important to keep up with the latest ones. Perhaps have a favourite website that you visit regularly that keeps you informed like www.asic.fido.gov.au. You could also subscribe to our MakingCents parents newsletter subscribe which covers particular stories and features. To be money savvy look at the following section and prompt sheets:
Influences of Advertising For the lessons on advertising go to the teachers' section and find the lower primary unit Using money:Budgeting and spending linked to your state or territory. These ideas may help if you want to learn about the affects of advertising together with your child.
Talk as a family about really good things to do, that are important to you and which cost nothing or very little. Know your rights when you buy goods and services There are laws to protect consumers - especially when you are buying houses, cars, mobile phones or using money and financial services. Use the prompt sheet know your rights when you buy goods or services if you want to discuss this with others.
 Money and Financial ServicesSince borrowing is just another form of buying - buying money - it makes you a financial consumer. That means you also have consumer rights in relation to money. When you borrow money you have rights as a consumer! Remember there are consumer protection laws around money. Being treated fairly is a right. You have rights - there are consumer protection laws around money. You have rights when [dealing with both big and small companies] around money. Let's look at how you can deal with a few big ones like banks and credit unions, utilities and phone or internet providers and where you can go when you have a problem. Banks and Credit Unions Banks and credit unions must:
Utilities Some services - utilities like electricity, gas, and water services in NSW can help out with overdue bills or disconnection of these services. Remember:
Mobile Phones and Internet There is a dedicated Telecommunications Industry Ombudsman (TIO) to help protect and advise you on disputes or issues with mobile, telephone or internet services. There are many organisations that have information to help you before you choose a service but the TIO is specifically for dealing with complaints and disputes. Be informed before you choose a [mobile phone] or internet service. Mobile premium services, such as ring tones, music, games, competitions, sports scores and horoscopes, are delivered to a mobile phone for a higher cost than regular short message services (SMS). A code has been developed by the telecommunications industry as part of a package of measures taken by the Australian Communications and Media Authority (ACMA) to protect the consumers of mobile premium services. Strict rules are now in place about how advertisements and charges are displayed and by July 2010 all providers must allow consumers to bar access to these services. It is a common complaint that users do not even realise, until they get their mobile phone bill that they have subscribed to a premium service. The new code addresses this key concern about mobile premium services. The new code requires consumers to give two independent confirmations before they can subscribe to an ongoing premium SMS service. A fundamental principle of any fair transaction between a customer and a service provider is for the consumer to understand the nature of the contract they have entered. Ultimately, you are still responsible for signing the contract, so please read it carefully and take your time to think about it. Getting help when you need it Getting help when you need it can be difficult if you do not know where to start. Many people do not know their rights or where to find out about them. Use [where to get help if you need it] if you want a handy list of contact details for these organisations below:
Complaints There might be a complaints contact number or website on the information you received with your purchase or agreement. Look at where to get help when you need it if you need further information about where to go to get support.
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