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					                                               Commonwealth Government Departments and Agencies




                                                                                                                                                                  rds


                                                                                                                                                        assistance
                                                                                                                                                      ancial reco
                                                                                                                         saving

                                                                                                                                                           credit




                                                                                                                                                      effective




                                                                                                                                                                                                              le and
                                                                                                                                                         ning




                                                                                                                                                       ound




                                                                                                                                                                                                                                                                                 stry
                                                                                                                                                       oney

                                                                                                                                                         hts




                                                                                                                                                       ams




                                                                                                                                                                                                                                        tion
                                                                      Target




                                                                                                                                d

                                                                                                                                                 d




                                                                                                                                                                                       rity
 Provider       Resource      Type of Resource       Date    Cost                        Availability




                                                                                                                                          financial plan




                                                                                                                                                                                                                                                                           financial indu
                                                                                                                   budgeting an

                                                                                                                                    borrowing an




                                                                                                                                          consumer rig




                                                                                                                                                       t
                                                                     Audience




                                                                                                                                                                                                                                                             investments
                                                                                                                                                                                                                                    superannua
                                                                                                                                          shopping ar



                                                                                                                                          where to ge
                                                                                                                                          information/




                                                                                                                                                                                                                       home loans
                                                                                                                                          Avoiding sc




                                                                                                                                                                                                 regulator ro
                                                                                                                                          investing m




                                                                                                                                                                                   social secu
                                                                                                                                          keeping fin



                                                                                                                                          making an




                                                                                                                                                                                                                                                 insurance
                                                                                                                                          complaint


                                                                                                                                                                        taxation




                                                                                                                                                                                                 function
                                                                                                                                                                                                 banking
Centrelink   Financial       Free                  N/A      Free    general     http://www.centrelink.gov.au/i
             Information     advice/information                     public      nternet/internet.nsf/services/fi
             Service (FIS)   service. Holds                                     s.htm
                             seminars and
                             workshops. Also
                             telephone service,
                             available through
                             Centrelink phone
                             network. Translation                                                                    ( ( ( ( (                                                                                                       (
                             services available in
                             Arabic, Chinese,
                             Croation, English,
                             Greek, Italian,
                             Maltese, Polish,
                             Russian, Serbian.


Centrelink   Financial       Publication          Not known Free    general     http://www.centrelink.gov.au/i
             Information                                            public      nternet/internet.nsf/filestores/
             Service                                                            fis002_0208/$file/fis002_020                                         (
             Factsheet                                                          8en.pdf
Centrelink   Assets          Publication          Not known Free    general     http://www.centrelink.gov.au/i
             Factsheet                                              public      nternet/internet.nsf/filestores/
                                                                                fis004_0210/$file/fis004_021                                                                                                                                                  (
                                                                                0en.pdf
Centrelink   Business        Publication          Not known Free    small       http://www.centrelink.gov.au/i
             Structures -                                           business    nternet/internet.nsf/filestores/
             Partnerships                                                       fis006_0207/$file/fis006_020                                                 ( (                    (
             Factsheet                                                          7en.pdf
Centrelink   Business        Publication          Not known Free    small       http://www.centrelink.gov.au/i
             Structures -                                           business    nternet/internet.nsf/filestores/
             Sole                                                               fis007_0207/$file/fis007_020
             Traders/Self-                                                      7en.pdf                                                                      ( (                    (
             employed
             Factsheet
Centrelink   Deeming         Publication          Not known Free    general     http://www.centrelink.gov.au/i
             Factsheet                                              public      nternet/internet.nsf/filestores/
                                                                                fis008_0211/$file/fis008_021                          (                  (                          (                         (                                               (
                                                                                1en.pdf




                                                                                                  1 of 80
Centrelink   Family Trusts      Publication   Not known Free   general       http://www.centrelink.gov.au/i
             Factsheet                                         public        nternet/internet.nsf/filestores/
                                                                             fis010_0207/$file/fis010_020             ( (               (
                                                                             7en.pdf
Centrelink   Gifting Factsheet Publication    Not known Free   general       http://www.centrelink.gov.au/i
                                                               public        nternet/internet.nsf/filestores/
                                                                             fis012_0211/$file/fis012_021               (   (
                                                                             1en.pdf
Centrelink   Hardship           Publication   Not known Free   general       http://www.centrelink.gov.au/i
             Information                                       public (low   nternet/internet.nsf/filestores/
             Factsheet                                         income)       fis013_0302/$file/fis013_030               (   (
                                                                             2en.pdf
Centrelink   How to Save on Publication       Not known Free   general       http://www.centrelink.gov.au/i
             the Costs of                                      public        nternet/internet.nsf/filestores/
             your Banking                                                    fis028_0211/$file/fis028_021       ( (             (
             Factsheet                                                       1en.pdf

Centrelink   Income and       Publication     Not known Free   social        http://www.centrelink.gov.au/i
             Allowable Limits                                  security      nternet/internet.nsf/filestores/
             for Allowances
             Factsheet
                                                               recipients    fis014_0207/$file/fis014_020
                                                                             7en.pdf
                                                                                                                        (   (

Centrelink   Income and       Publication     Not known Free   pensioners    http://www.centrelink.gov.au/i
             Allowable Limits                                                nternet/internet.nsf/filestores/
             for Pensions
             Factsheet
                                                                             fis015_0210/$file/fis015_021
                                                                             0en.pdf
                                                                                                                        (   (

Centrelink   Income Streams Publication       Not known Free   retirees;     http://www.centrelink.gov.au/i
             Factsheet                                         social        nternet/internet.nsf/filestores/
                                                               security      fis016_0207/$file/fis016_020               (   (       (
                                                               recipients    7en.pdf
Centrelink   Lump Sum           Publication   Not known Free   general       http://www.centrelink.gov.au/i
             Factsheet                                         public        nternet/internet.nsf/filestores/
                                                                             fis017_0207/$file/fis017_020               (   (
                                                                             7en.pdf
Centrelink   Pension Loans      Publication   Not known Free   retirees      http://www.centrelink.gov.au/i
             Scheme                                                          nternet/internet.nsf/filestores/
             Factsheet                                                       fis018_0305/$file/fis018_030         (     (
                                                                             5en.pdf
Centrelink   Private Trusts -   Publication   Not known Free   Primary       http://www.centrelink.gov.au/i
             Special                                           Producers     nternet/internet.nsf/filestores/
             Concession for                                                  fis020_0301/$file/fis020_030
             Primary                                                         1en.pdf                                    (               (
             Producers
             Factsheet
Centrelink   Private Trusts Publication       Not known Free   investors     http://www.centrelink.gov.au/i
             and Companies                                                   nternet/internet.nsf/filestores/
             Factsheets                                                      fis022_0301/$file/fis022_030               (   (           (
                                                                             1en.pdf




                                                                                               2 of 80
Centrelink   Retrenched or   Publication           Not known Free   retirees;   http://www.centrelink.gov.au/i
             Leaving your                                           retrenched; nternet/internet.nsf/filestores/
             Job factsheet                                          job seekers fis023_0207/$file/fis023_020                (     (
                                                                                7en.pdf
Centrelink   Rollover and   Publication            Not known Free   retirees    http://www.centrelink.gov.au/i
             Superannuation                                                     nternet/internet.nsf/filestores/
             Investments                                                        fis024_0302/$file/fis024_030                (     (   (   (
             Factsheet                                                          2en.pdf
Centrelink   Taxation and    Publication           Not known Free   seniors      http://www.centrelink.gov.au/i
             Senior                                                              nternet/internet.nsf/filestores/
             Australians                                                         fis019_0305/$file/fis019_030               (   ( (
             Factsheet                                                           5en.pdf
Centrelink   Fornightly      Publication           Not known Free   general      http://www.centrelink.gov.au/i
             Savings Planner                                        public       nternet/internet.nsf/filestores/
                                                                                 fis029_0310/$file/fis029_031       (
                                                                                 0en.pdf
Centrelink   Monthly Savings Publication           Not known Free   general      http://www.centrelink.gov.au/i
             Planner                                                public       nternet/internet.nsf/filestores/
                                                                                 fis030_0310/$file/fis030_031       (
                                                                                 0en.pdf
National    NICRI website    web based             N/A       Free   retirees;    http://www.nicri.org.au/
Information                                                         retrenched
Centre for
Retirement                                                                                                          (           ( (   (   (
Investments
(NICRI)
National    Consumer         telephone helpline:   N/A       Free   retirees;    9am - 5pm Monday to Friday
Information helpline         1800 020 110                           retrenched
Centre for
Retirement                                                                                                          (           ( (   (   (
Investments
(NICRI)
National    Seminars and     Face to face          N/A       Not   retirees;     Need to call NICRI to
Information conferences                                      known retrenched    arrange. 1800 020 110
Centre for
Retirement                                                                                                              (                 (
Investments
(NICRI)
National    Introducing      Publication           Not known Free   retirees;    Call NICRI (ph. 1800 020
Information NICRI                                                   retrenched   110) or download from web
Centre for                                                                       site: http://www.nicri.org.au/
Retirement                                                                                                                            (
Investments
(NICRI)




                                                                                                   3 of 80
National      Investing with    Publication   Not known Free   retirees;    Call NICRI (ph. 1800 020
Information   Safety                                           retrenched   110) or download from web
Centre for                                                                  site: http://www.nicri.org.au/
Retirement                                                                                                       ( (             (
Investments
(NICRI)
National      Deeming           Publication   Not known Free   retirees;    Call NICRI (ph. 1800 020
Information   Accounts                                         social       110) or download from web
Centre for                                                     security     site: http://www.nicri.org.au/
Retirement                                                     recipients                                            (       (   (         ( (
Investments
(NICRI)
National      Complaint         Publication   Not known Free   retirees;    Call NICRI (ph. 1800 020
Information   Resolution                                       retrenched   110) or download from web
Centre for    Schemes                                                       site: http://www.nicri.org.au/
Retirement                                                                                                               (       ( (
Investments
(NICRI)
National      Enduring Power Publication      Not known Free   retirees;    Call NICRI (ph. 1800 020
Information   of Attorney                                      retrenched   110) or download from web
Centre for                                                                  site: http://www.nicri.org.au/
Retirement                                                                                                               (
Investments
(NICRI)
National      Estate Planning Publication     Not known Free   retirees;    Call NICRI (ph. 1800 020
Information                                                    retrenched   110) or download from web
Centre for                                                                  site: http://www.nicri.org.au/
Retirement                                                                                                       (                                   (
Investments
(NICRI)
National      Negative          Publication   Not known Free   retirees;    Call NICRI (ph. 1800 020
Information   Gearing                                          retrenched   110) or download from web
Centre for                                                                  site: http://www.nicri.org.au/
Retirement                                                                                                   (       (                 (
Investments
(NICRI)
National      Introducing       Publication   Not known Free   retirees;    Call NICRI (ph. 1800 020
Information   Rollovers                                        retrenched   110) or download from web
Centre for                                                                  site: http://www.nicri.org.au/
Retirement                                                                                                                             (         (       (
Investments
(NICRI)
National      Rollover Safety   Publication   Not known Free   retirees;    Call NICRI (ph. 1800 020
Information                                                    retrenched   110) or download from web
Centre for                                                                  site: http://www.nicri.org.au/
Retirement                                                                                                       ( (
Investments
(NICRI)




                                                                                              4 of 80
National      Retirement     Publication     Not known Free   retirees;    Call NICRI (ph. 1800 020
Information   Income Streams                                  retrenched   110) or download from web
Centre for                                                                 site: http://www.nicri.org.au/
Retirement                                                                                                      (                             (
Investments
(NICRI)
National      Introducing    Publication     Not known Free   retirees;    Call NICRI (ph. 1800 020
Information   Superannuation                                  retrenched   110) or download from web
Centre for                                                                 site: http://www.nicri.org.au/
Retirement                                                                                                      (               (       (
Investments
(NICRI)
National      Super - Tax      Publication   Not known Free   retirees;    Call NICRI (ph. 1800 020
Information   Considerations                                  retrenched   110) or download from web
Centre for                                                                 site: http://www.nicri.org.au/
Retirement                                                                                                                  (           (
Investments
(NICRI)
National      A Super          Publication   Not known Free   retirees;    Call NICRI (ph. 1800 020
Information   Checklist                                       retrenched   110) or download from web
Centre for                                                                 site: http://www.nicri.org.au/
Retirement                                                                                                      ( (                     (     (
Investments
(NICRI)
National      Redundancy       Publication   Not known Free   retirees;    Call NICRI (ph. 1800 020
Information   and You                                         retrenched   110) or download from web
Centre for    (Booklet)                                                    site: http://www.nicri.org.au/
Retirement                                                                                                  (       (       ( (         (         (
Investments
(NICRI)
National      A Super Guide    Publication   Not known Free   retirees;    Call NICRI (ph. 1800 020
Information                                                   retrenched   110) or download from web
Centre for                                                                 site: http://www.nicri.org.au/
Retirement                                                                                                      ( (     (   (       (   ( (
Investments
(NICRI)
National      Understanding    Publication   Not known Free   retirees;    Call NICRI (ph. 1800 020
Information   Risk                                            retrenched   110) or download from web
Centre for                                                                 site: http://www.nicri.org.au/
Retirement                                                                                                      ( (                 (
Investments
(NICRI)
National      A Guide to the   Publication   Not known Free   retirees;    Call NICRI (ph. 1800 020
Information   Financial                                       retrenched   110) or download from web
Centre for    Planning                                                     site: http://www.nicri.org.au/
Retirement    Process                                                                                       ( ( (       (           (             (
Investments
(NICRI)




                                                                                             5 of 80
National      Income and        Publication   Not known Free   retirees;    Call NICRI (ph. 1800 020
Information   Expenditure                                      retrenched   110) or download from web
Centre for    Sheet                                                         site: http://www.nicri.org.au/
Retirement                                                                                                   (       (
Investments
(NICRI)
National      Allocated         Publication   Not known Free   retirees;    Call NICRI (ph. 1800 020
Information   Annuities                                        retrenched   110) or download from web
Centre for                                                                  site: http://www.nicri.org.au/
Retirement                                                                                                       (       ( (           ( (
Investments
(NICRI)
National      Allocated         Publication   Not known Free   retirees;    Call NICRI (ph. 1800 020
Information   Pensions                                         retrenched   110) or download from web
Centre for                                                                  site: http://www.nicri.org.au/
Retirement                                                                                                       (       ( (       (
Investments
(NICRI)
National      Bond Trusts       Publication   Not known Free   retirees;    Call NICRI (ph. 1800 020
Information                                                    retrenched   110) or download from web
Centre for                                                                  site: http://www.nicri.org.au/
Retirement                                                                                                       (       ( (             (
Investments
(NICRI)
National      Cash              Publication   Not known Free   retirees;    Call NICRI (ph. 1800 020
Information   Management                                       retrenched   110) or download from web
Centre for    Trusts                                                        site: http://www.nicri.org.au/
Retirement                                                                                                       (         (             (
Investments
(NICRI)
National      Direct Property   Publication   Not known Free   retirees;    Call NICRI (ph. 1800 020
Information   Investment                                       retrenched   110) or download from web
Centre for                                                                  site: http://www.nicri.org.au/
Retirement                                                                                                       (   (     (             (
Investments
(NICRI)
National      Equity Trusts     Publication   Not known Free   retirees;    Call NICRI (ph. 1800 020
Information                                                    retrenched   110) or download from web
Centre for                                                                  site: http://www.nicri.org.au/
Retirement                                                                                                       (   (     (             (
Investments
(NICRI)
National      First Mortgages   Publication   Not known Free   retirees;    Call NICRI (ph. 1800 020
Information                                                    retrenched   110) or download from web
Centre for                                                                  site: http://www.nicri.org.au/
Retirement                                                                                                       (   (     (   (         (
Investments
(NICRI)




                                                                                              6 of 80
National      Fixed Interest   Publication   Not known Free   retirees;    Call NICRI (ph. 1800 020
Information   Investments                                     retrenched   110) or download from web
Centre for                                                                 site: http://www.nicri.org.au/
Retirement                                                                                                    (       (   (   (
Investments
(NICRI)
National      Funeral Bonds    Publication   Not known Free   retirees;    Call NICRI (ph. 1800 020
Information                                                   retrenched   110) or download from web
Centre for                                                                 site: http://www.nicri.org.au/
Retirement                                                                                                    (       (   (   (
Investments
(NICRI)
National      Introducing      Publication   Not known Free   retirees;    Call NICRI (ph. 1800 020
Information   Immediate                                       retrenched   110) or download from web
Centre for    Annuities                                                    site: http://www.nicri.org.au/
Retirement                                                                                                    (       (   (   (
Investments
(NICRI)
National      Immediate        Publication   Not known Free   retirees;    Call NICRI (ph. 1800 020
Information   Annuities                                       retrenched   110) or download from web
Centre for    (Booklet)                                                    site: http://www.nicri.org.au/
Retirement                                                                                                  ( (   (   (   (   (
Investments
(NICRI)
National      Insurance and    Publication   Not known Free   retirees;    Call NICRI (ph. 1800 020
Information   Friendly Society                                retrenched   110) or download from web
Centre for    Bonds                                                        site: http://www.nicri.org.au/
Retirement                                                                                                    (       (   (   (
Investments
(NICRI)
National      Investment Fees Publication    Not known Free   retirees;    Call NICRI (ph. 1800 020
Information                                                   retrenched   110) or download from web
Centre for                                                                 site: http://www.nicri.org.au/
Retirement                                                                                                    (               (
Investments
(NICRI)
National      Master Trust     Publication   Not known Free   retirees;    Call NICRI (ph. 1800 020
Information   and Wrap                                        retrenched   110) or download from web
Centre for    Accounts                                                     site: http://www.nicri.org.au/
Retirement                                                                                                    (               (
Investments
(NICRI)
National      Mortgage Trusts Publication    Not known Free   retirees;    Call NICRI (ph. 1800 020
Information                                                   retrenched   110) or download from web
Centre for                                                                 site: http://www.nicri.org.au/
Retirement                                                                                                    (               (
Investments
(NICRI)




                                                                                             7 of 80
National      Property Trusts   Publication   Not known Free   retirees;    Call NICRI (ph. 1800 020
Information                                                    retrenched   110) or download from web
Centre for                                                                  site: http://www.nicri.org.au/
Retirement                                                                                                           (                               (
Investments
(NICRI)
National      Shares            Publication   Not known Free   retirees;    Call NICRI (ph. 1800 020
Information                                                    retrenched   110) or download from web
Centre for                                                                  site: http://www.nicri.org.au/
Retirement                                                                                                           (                               (
Investments
(NICRI)
National      Term Deposits     Publication   Not known Free   retirees;    Call NICRI (ph. 1800 020
Information                                                    retrenched   110) or download from web
Centre for                                                                  site: http://www.nicri.org.au/
Retirement                                                                                                           (                               (
Investments
(NICRI)
National      Unit Trusts       Publication   Not known Free   retirees;    Call NICRI (ph. 1800 020
Information                                                    retrenched   110) or download from web
Centre for                                                                  site: http://www.nicri.org.au/
Retirement                                                                                                           (                               (
Investments
(NICRI)
National      Understanding Publication       Not known Free   retirees;    Call NICRI (ph. 1800 020
Information   Retirement                                       retrenched   110) or download from web
Centre for    Income Streams                                                site: http://www.nicri.org.au/
Retirement                                                                                                           (                         (
Investments
(NICRI)
Department    The Source        web based     N/A       Free   youth        http://www.thesource.gov.au/
of Family     website                                                       money/index.htm
and
Community                                                                                                    ( ( (       ( (   (   (       (   ( (       (
Services
(FaCS)
Department    Web page:         Web based     N/A       Free   retirees;    http://www.facs.gov.au/intern
of Family     "Guide to                                        seniors      et/facsinternet.nsf/aboutfacs/
and           Deeming"                                                      programs/seniors-                                          (
Community                                                                   deeming_guide.htm
Services
Department    Web page: List web based        N/A       Free   retirees;    http://www.facs.gov.au/intern
of Family     of Financial                                     seniors      et/facsinternet.nsf/aboutfacs/
and           Institutions                                                  programs/seniors-
Community     Offering                                                      deeming_list.htm
Services      Deeming                                                                                                                  (                 (
(FaCS)        Accounts Based
              on Cannex
              Information




                                                                                              8 of 80
Department     Web page:        web based               N/A       Free   retirees;    http://www.facs.gov.au/intern
of Family      Questions and                                             seniors      et/facsinternet.nsf/aboutfacs/
and            answers - New                                                          programs/seniors-
Community      Deeming Rates                                                          deeming_qa_mar04.htm                                  (
Services       from 20 March
(FaCS)         2004
Department     Planning for a   publication             Not known Free   retirees     http://www.facs.gov.au/intern
of Family      better                                                                 et/facsinternet.nsf/VIA/retire/
and            retirement -                                                           $File/MAA&PA_Public_V5.pd
Community      information for                                                        f                                       ( (                       (
Services       people thinking
(FaCS)         about retirement

Department     Chapter 11:      Publication             Not known Free   Retirees;    http://www.facs.gov.au/intern
of Family      Financing - Your                                          seniors      et/facsinternet.nsf/aboutfacs/
and            Options                                                                programs/seniors-
Community      (chapter in                                                            movinghouse.htm At this
Services
(FaCS)
               Moving House -
               Your Choices)
                                                                                      address, option of
                                                                                      downloading booklet in html
                                                                                                                                                    (
                                                                                      or pdf version. Can also
                                                                                      phone Centrelink for hard
                                                                                      copy version (ph. 13 23 00)
Department Australian           publication             Not known Free   Retirees;    http://www.facs.gov.au/intern
of Family  Retirees: Your                                                seniors      et/facsinternet.nsf/aboutfacs/
and        Choices                                                                    programs/seniors-
Community                                                                             ozretirees.htm. From this                 ( (   (                 (
Services                                                                              address, option of
(FaCS)                                                                                downloading as html or pdf
FaCS           Investing        Publication             Not known Free   Retirees;    version.
                                                                                      http://www.facs.gov.au/intern
Jointly        Money: Your                                               seniors      et/facsinternet.nsf/aboutfacs/
written with   Choices                                                                programs/seniors-imyc.htm
NICRI                                                                                 At this address, option of
                                                                                      downloading as html or pdf.
                                                                                      A hard copy can be obtained
                                                                                                                              ( (     (   ( (           (   (
                                                                                      by phoning FaCS (1300 367
                                                                                      676) or Centrelink (132300)
                                                                                      or by visiting a Centrelink
                                                                                      Customer Service Centre or
FaCS           Cape York        Project - training of   2001/2002 free   indigenous   Not known
               Family           family facilitators;
               Management       Setting up of project
               Project          office; assessment                                                                      ( (                     (               (
                                of communities; etc.

FaCS (in       Traditional      Project -               N/A       Not   indigenous    Not known
conjuction     Credit Union                                       known
with the NT    Indigenous
Gov)           Community                                                                                                ( (
               Education
               Project




                                                                                                        9 of 80
FaCS           Commonwealth     Project                N/A         Free   general      http://www.facs.gov.au/intern
               Financial                                                  public       et/facsinternet.nsf/family/cfcp
               Counselling                                                             -                                 ( (
               Programme                                                               commonwealth_financial_cou
                                                                                       nselling_program.htm
Department You and Your         Publication            Sept. 2003 Free    social       Available from DVA state
of Veterans' Pension                                                      security     offices and VAN (Veterans'
Affairs                                                                   recipients   Affairs Network) offices.                   (           ( (
(DVA)

Department Planning ahead       Publication            Not known Free     social       Available from DVA state
of Veterans'                                                              security     offices and VAN (Veterans'
Affairs                                                                   recipients   Affairs Network) offices.                                 (
(DVA)

Department     Veterans' Affairs Information service   N/A         Free   social       Service provided at DVA
of Veterans'   Financial                                                  security     office or in the home of
Affairs        Information                                                recipients   social security recipient. Call         (               ( (           (
(DVA)          Service                                                                 nearest DVA office to
                                                                                       arrange an appointment.
Australian     ACCC website     web based              N/A         Free   general      http://www.accc.gov.au/
Competition                                                               public
and
Consumer                                                                                                                           (                 (
Commission
 (ACCC)
Australian     Infocentre       telephone and email    N/A         Free   general      Telephone no: 1300 302
Competition                     information and                           public       502. Electronic forms to
and                             complaints service                                     email available at:
Consumer                                                                               http://www.accc.gov.au/conte                (       (         (
Commission                                                                             nt/index.phtml/itemId/3772
 (ACCC)
Australian     Buying a car     Publication. A         Not known Free     Indigenous   Posters from ACCC & State
Competition                     poster from the                                        Fair Trading Office
and                             series "Don't get
Consumer                        tricked…"                                                                                  (                             (
Commission
 (ACCC)
Australian     Know your rights Publication            Not known Free     Indigenous   Posters produced and
Competition                                                                            distributed nationally through
and                                                                                    State Offices of Fair Trading.
Consumer                                                                                                                           (   (             (
Commission
 (ACCC)
Australian     Storecharter     Publication            30-Apr-02   Free   indigenous   http://www.accc.gov.au/conte
Competition    brochure                                                                nt/item.phtml?itemId=305221
and                                                                                    &nodeId=file3f2875142ff49&f
Consumer                                                                               n=Storecharter%20Brochure.                  (
Commission                                                                             pdf
 (ACCC)




                                                                                                        10 of 80
Australian    ACCC              Publication   Not known Free     general       Available in electronic form
Competition   Consumer                                           public        only. Current and past
and           Express                                                          editions available from
Consumer                                                                       ACCC web site:                      (
Commission                                                                     http://www.accc.gov.au
 (ACCC)
Australian    If it sounds to   Publication   11-Mar-04 Free     general       http://www.accc.gov.au/conte
Competition   good to be                                         public        nt/item.phtml?itemId=489414
and           true…                                                            &nodeId=file40513e23574e8
Consumer
Commission
                                                                               &fn=If%20it%20sounds%20t
                                                                               oo%20good%20to%20be%2
                                                                                                                         (       (
 (ACCC)                                                                        0true.pdf Also available in a
                                                                               printed version. Please
Australian    Are you being     Publication   30-Nov-01 Free     debtors       contact the ACCC
                                                                               http://www.accc.gov.au/conte
Competition   harassed about                                                   nt/item.phtml?itemId=305227
and           debts?                                                           &nodeId=file3f20705b40016
Consumer                                                                       &fn=Are%20You%20Being%          (   (
Commission                                                                     20Harassed%20About%20D
 (ACCC)                                                                        ebts.pdf.
Australian    ACCC Referral     Publication   31-Aug-03 Free     general       http://www.accc.gov.au/conte
Competition   Guide                                              public (low   nt/item.phtml?itemId=386270
and                                                              income)       &nodeId=file3f8645b36508c&
Consumer                                                                       fn=ACCC%20referral%20gui
Commission                                                                     de_Aug2003_printable.pdf.
 (ACCC)                                                                        A printed version is also
                                                                               available. Please contact           (         (       (
                                                                               the ACCC Publishing Unit on
                                                                               (02) 6243 1143 or via email:
                                                                               publishing.unit@accc.gov.au.


Australian    Fair.com:         Publication   31-Jan-01   Free   general       http://www.accc.gov.au/conte
Competition   advertising and                                    public        nt/item.phtml?itemId=303739
and           promoting                                                        &nodeId=file3f2dbb2e4e130
Consumer      Internet Access                                                  &fn=Fairdotcom%20-                  (
Commission                                                                     %20Advertising%20and%20
 (ACCC)                                                                        Promoting%20Internet%20Ac
                                                                               cess.pdf.
Australian     Internet       Publication     31-Aug-00 Free     general       http://www.accc.gov.au/conte
Competition   Auctions: what                                     public        nt/item.phtml?itemId=303760
and           you should                                                       &nodeId=file3f2dd8bb68857
Consumer      know before you                                                  &fn=Internet%20Auctions.pdf         ( (   (       (
Commission    bid and sell
 (ACCC)
Australian    Misleading job   Publication    31-Jan-99   Free   general       http://www.accc.gov.au/conte
Competition   and business                                       public        nt/item.phtml?itemId=303263
and           opportunity ads:                                                 &nodeId=file3f248f6aa2738&
Consumer      how to handle                                                    fn=Misleading%20Job%20an            (     ( ( (
Commission    them                                                             d%20Business%20Opportuni
 (ACCC)                                                                        ty%20Ads.pdf




                                                                                                11 of 80
Australian    Scams: protect   Publication            31-Oct-00   Free   small        http://www.accc.gov.au/conte
Competition   your business                                              business     nt/item.phtml?itemId=304592
and           from them                                                               &nodeId=file3f5fc0bb9bdc4&f
Consumer                                                                              n=Scams.pdf                               (   ( ( (
Commission
 (ACCC)
Australian    Think twice      Publication (Poster)   30-Aug-03 Free     general      http://www.accc.gov.au/conte
Competition   before                                                     public       nt/item.phtml?itemId=364537
and           comparing                                                               &nodeId=file3f5ffdcd06d4b&f
Consumer      prices in your                                                          n=Two%20price%20advertisi
Commission    ads                                                                     ng_A3%20poster_Aug2003_
 (ACCC)                                                                               screen%20res.pdf. Printed
                                                                                      version also available.                   (         (
                                                                                      Please contact the ACCC
                                                                                      Publishing Unit on (02) 6243
                                                                                      1143 or via email:
                                                                                      publishing.unit@accc.gov.au.


Australian    Warranties and   Publication            31-Dec-01 Free     general      http://www.accc.gov.au/conte
Competition   refunds                                                    public       nt/item.phtml?itemId=322947
and                                                                                   &nodeId=file3f67d97469895
Consumer                                                                              &fn=Warranties%20and%20r            (     (   ( (
Commission                                                                            efunds.pdf
 (ACCC)
Australian    Computerised     Publication            30-Dec-02 Free     general      http://www.accc.gov.au/conte
Competition   Gambling                                                   public       nt/item.phtml?itemId=305260
and           Systems                                                                 &nodeId=file405e6da34ffcc&f
Consumer                                                                              n=Computerised%20Gamblin                  (   (     (
Commission                                                                            g%20Systems.pdf
 (ACCC)
Department    Enterprise and   Foundation set up                         Students
                                                      Established Not known           Pilot program is being trialled
of            Career           DEST. ECEF (with        January           (Years 8,9   in 3 states: Qld, Vic, Tas.
Education,    Education        Collection House       2001               or 10)       Involved 13 high schools in
Science and   Foundation:      Foundation) has                                        2003. Web page for
Training      Operation        established a                                          program:
(DEST)        Financial        program called e-                                      http://www.collectionhouse.c      ( ( (
              Literacy         money: operation                                       om.au/foundation/content/pro
                               financial literacy.                                    gram.htm. Schools that wish
                                                                                      to participated contact
                                                                                      Collection House Foundation.
Department myfuture website web based                 N/A         Free   students     http://www.myfuture.edu.au
of                                                                       (secondary
Education,                                                               and tertiary
Science and                                                              levels)
Training                                                                                                                ( ( (                 (   (
(DEST)




                                                                                                       12 of 80
Department     New                web based          N/A        Free   general       http://www.newconnections.g
of             Connections                                             public (rural ov.au/Home/0,,0_2-
Communicat     website                                                 and           2_5,00.html
ion,                                                                   regional                                    (       (
Information                                                            areas)
Technology
and the Arts
Australian     Mobile phone       publication -       Not known Free   general     http://www.aca.gov.au/consu
Communicat     contracts          consumer fact sheet                  public      mer_info/fact_sheets/consum
ions                                                                               er_fact_sheets/fsc48.htm            (
Authority
Australian     Charges for        publication -       Not known Free   general     http://www.aca.gov.au/consu
Communicat     calls to 13/1300   consumer fact sheet                  public      mer_info/fact_sheets/consum
ions           and 1800                                                            er_fact_sheets/fsc61.htm                (   (
Authority      numbers
Australian     Consumer           publication -       Not known Free   general     http://www.aca.gov.au/consu
Communicat     Safeguards for     consumer fact sheet                  public      mer_info/fact_sheets/consum
ions           mobile users                                                        er_fact_sheets/fsc52.htm                (
Authority
Australian     Resolving your publication -        Not known Free      general     http://www.aca.gov.au/consu
Communicat     telecommunicati consumer fact sheet                     public      mer_info/fact_sheets/consum
ions           ons complaints                                                      er_fact_sheets/fsc43.htm                (   ( (
Authority
Australian     Delivering better publication -       Not known Free    general     http://www.aca.gov.au/consu
Communicat     bills             consumer fact sheet                   public      mer_info/fact_sheets/consum
ions                                                                               er_fact_sheets/fsc40.htm                (   (
Authority
Australian     Telephone billing publication -       Not known Free    general     http://www.aca.gov.au/consu
Communicat                       consumer fact sheet                   public      mer_info/fact_sheets/consum
ions                                                                               er_fact_sheets/fsc09.htm            (   (   ( (
Authority
National       Spam project       web based          N/A        Free   general     http://www.noie.gov.au/projec
Office for     web site                                                public      ts/confidence/Improving/spa
the                                                                                m.htm                                   (       ( (
Information
Economy
National       Spam Guide         publication        Not known Free    general     Details TBA
Office for                                                             public
the                                                                                                                        (       ( (
Information
Economy
National       Online shopping publication           Not known Free    general     http://www.noie.gov.au/projec
Office for     fact sheets                                             public      ts/confidence/Improving/shop
the                                                                                ping.htm. Currently being               (         (
Information                                                                        updated (as @ 5 April 2004)
Economy
Department     Scamwatch          web based          N/A        Free   general     http://www.scamwatch.gov.a
of the         website                                                 public      u/content/scams/scams.asp               (       ( (
Treasury




                                                                                                   13 of 80
Department The Little Black    publication   Not known Free   general   Book closely follows the
of the     Book of Scams                                      public    scam watch web site (see:
Treasury                                                                http://www.scamwatch.gov.a
                                                                        u). It can be downloaded
                                                                        from a variety of government
                                                                        consumer affair agencies                (       ( (
                                                                        including the Ministerial
                                                                        Council on Consumer
                                                                        Affairs:
                                                                        http://www.consumer.gov.au/
                                                                        html/black_book/download/ful
Department   Consumers         web based     N/A       Free   general   http://www.consumersonline.
of the       online website                                   public    gov.au                            ( ( ( ( (   ( ( (   (   ( (
Treasury
Department   Australian        Publication   Not known Free   general   http://www.consumersonline.
of the       Consumer                                         public    gov.au/content/publications/C
Treasury     Handbook                                                   onsumer/resources_handboo               (     ( (
                                                                        k.asp
Department   Christmas &    Publication      Not known Free   general   http://www.consumersonline.
of the       New Year Sales (Factsheet)                       public    gov.au/downloads/facts/Chris            (     ( ( (
Treasury                                                                tmas1.pdf
Department   Christmas       Publication     Not known Free   general   http://www.consumersonline.
of the       Shopping Rights (Factsheet)                      public    gov.au/downloads/facts/Chris            (     ( (
Treasury                                                                tmas2.pdf
Department   Christmas         Publication   Not known Free   general   http://www.consumersonline.
of the       Spending          (Factsheet)                    public    gov.au/downloads/facts/Chris    ( (     (     ( (
Treasury                                                                tmas5.pdf
Department   Refunds           Publication   Not known Free   general   http://www.consumersonline.
of the                         (Factsheet)                    public    gov.au/downloads/facts/Your             (     ( (
Treasury                                                                _rights1.pdf
Department   Unfair Selling    Publication   Not known Free   general   http://www.consumersonline.
of the                         (Factsheet)                    public    gov.au/downloads/facts/Your             (     ( ( (
Treasury                                                                _rights2.pdf
Department   Faulty Products   Publication   Not known Free   general   http://www.consumersonline.
of the                         (Factsheet)                    public    gov.au/downloads/facts/Your             (     ( (
Treasury                                                                _rights3.pdf
Department   Pricing           Publication   Not known Free   general   http://www.consumersonline.
of the                         (Factsheet)                    public    gov.au/downloads/facts/Your             (     ( ( (
Treasury                                                                _rights4.pdf
Department   Receiving         Publication   Not known Free   general   http://www.consumersonline.
of the       Products          (Factsheet)                    public    gov.au/downloads/facts/Your             (     ( ( (
Treasury                                                                _rights5.pdf
Department   Privacy           Publication   Not known Free   general   http://www.consumersonline.
of the                         (Factsheet)                    public    gov.au/downloads/facts/Your             (     ( (
Treasury                                                                _rights7.pdf
Department   Making a          Publication   Not known Free   general   http://www.consumersonline.
of the       Complaint         (Factsheet)                    public    gov.au/downloads/facts/Your             (     ( (
Treasury                                                                _rights8.pdf




                                                                                        14 of 80
Department Door to door          Publication           Not known Free   general   http://www.consumersonline.
of the     sales                 (Factsheet)                            public    gov.au/content/publications/C
Treasury                                                                          FactSheets/resources_fs_1.a                (       (       (
                                                                                  sp
Department Direct Marketing Publication                Not known Free   general   http://www.consumersonline.
of the                      (Factsheet)                                 public    gov.au/content/publications/C
Treasury                                                                          FactSheets/resources_fs_2.a                (       (       (
                                                                                  sp
Department Unsolicited           Publication           Not known Free   general   http://www.consumersonline.
of the     Goods                 (Factsheet)                            public    gov.au/content/publications/C
Treasury                                                                          FactSheets/resources_fs_4.a                (       (       (
                                                                                  sp
Department Steps for             Publication           Not known Free   general   http://www.consumersonline.
of the     Consumer in           (Factsheet)                            public    gov.au/content/publications/C
Treasury   Making a                                                               FactSheets/resources_fs_5.a                (           (
           Complaint                                                              sp
Department The Value for         Publication           Not known Free   general   http://www.consumersonline.
of the     Money Checklist       (Factsheet)                            public    gov.au/content/publications/C
Treasury                                                                          FactSheets/resources_fs_6.a            (   ( (     ( (
                                                                                  sp
Department    Consumer           Soft ware             Not known Free   general   http://www.consumerping.gov
of the        PING software                                             public    .au/content/what.asp                       (               (
Treasury
Ministerial   Official site of   web based             N/A       Free   general   http://www.consumer.gov.au/
Council on    the Ministerial                                           public
Consumer
Affairs
              Council on
              Consumer
                                                                                                                             (       ( (         (
              Affairs
Ministerial   Before you       publication             Not known Free   youth     http://www.consumer.gov.au/
Council on    splash your cash                                                    html/pdf/KidsMedia(Leaflet).p
Consumer                                                                          df. Printed version also             ( (   ( ( (
Affairs                                                                           available in each state and
                                                                                  territory.
Australian  Infoline             telephone and email   N/A       Free   general   infoline@asic.gov.au or
Securities                       information service                    public    1300 300 630
and
Investments                                                                                                                                      (   (
Commission
 (ASIC)

Australian    FIDO (Financial web based                N/A       Free   general   http://fido.asic.gov.au/fido/fid
Securities    Information                                               public    o.nsf
and           Delivered On-
Investments   line) website                                                                                          ( ( ( ( (       (
Commission
 (ASIC)




                                                                                                    15 of 80
Australian  Don't Kiss Your publication    Not known Free   general   http://fido.asic.gov.au/asic/pd
Securities  Money Goodbye                                   public    flib.nsf/LookupByFileName/D
and                                                                   KYMG.pdf/$file/DKYMG.pdf.
Investments                                                           A printed version can be
Commission                                                            obtained by either emailing
 (ASIC)                                                               or phoning Infoline:
                                                                      infoline@asic.gov.au or            ( ( ( (                             (
                                                                      1300 300 630. This version
                                                                      is also distributed through
                                                                      the Financial Planners
                                                                      Association.

Australian  Super Decisions publication    Not known Free   general   http://fido.asic.gov.au/asic/pd
Securities                                                  public    flib.nsf/LookupByFileName/S
and                                                                   uperDecisions.pdf/$file/Super
Investments                                                           Decisions.pdf                      ( (       ( (               (
Commission
 (ASIC)                                                                                         A
                                                                      printed version can be
Australian  You can          publication   Not known Free   general   http://fido.asic.gov.au/asic/pd
Securities  complain                                        public    flib.nsf/LookupByFileName/y
and                                                                   ou_can_complain.pdf/$file/yo
Investments                                                           u_can_complain.pdf A
Commission                                                            printed version can be                             (
 (ASIC)                                                               obtained by phoning or
                                                                      emailing Infoline:
                                                                      infoline@asic.gov.au or
                                                                      1300 300 630
Australian  Your Guide to    Publication   Not known Free   general   http://fido.asic.gov.au/fido/fid
Securities  the EFT Code                                    public    o.nsf/byid/0B5B926A346299
and                                                                   7DCA256E210000D754?ope
Investments                                                           ndocument. A printed
Commission                                                            version can be obtained by               (                 (
 (ASIC)                                                               phoning or emailing Infoline:
                                                                      infoline@asic.gov.au or
                                                                      1300 300 630

Australian  FIDO postcards Publication     Not known Free   general   Copies available from
Securities                                                  public    Infoline:
and                                                                   infoline@asic.gov.au or
Investments                                                           1300 300 630                                           (
Commission
 (ASIC)

Australian  U-Turn the       Publication   Not known Free   youth     http://fido.asic.gov.au/asic/pd
Securities  Wheel                                                     flib.nsf/LookupByFileName/U
and                                                                   TurntheWheel.pdf/$file/UTurn
Investments                                                           theWheel.pdf                                       (               (
Commission
 (ASIC)




                                                                                        16 of 80
Australian  Consumers &      Publication            Jun-03    Free   general      http://fido.asic.gov.au/asic/pd
Securities  Money: A quick                                           public       flib.nsf/LookupByFileName/C
and         guide                                                                 onsumers&money_guide.pdf/
Investments                                                                       $file/Consumers&money_gui
Commission                                                                        de.pdf. Based on No 41 in
 (ASIC)                                                                           the Hot Topics series
                                                                                  produced by the Legal
                                                                                  Access Information Centre.
                                                                                  In this format it is available     (           (       (   (           (
                                                                                  from all NSW Public
                                                                                  Libraries and by contacting
                                                                                  the Legal Information
                                                                                  Access Centre (LIAC) at the
                                                                                  State Library of NSW on (02)
                                                                                  9273 1558 or
                                                                                  liac@sl.nsw.gov.au
Australian  Moola Talk &     Publication            Not known Free   indigenous   http://fido.asic.gov.au/asic/pd
Securities  No Free Moola                                                         flib.nsf/LookupByFileName/m
and                                                                               oola_comic.pdf/$file/moola_c
Investments                                                                       omic.pdf. Email or phone                       (       (   (       (       (
Commission                                                                        Infoline:
 (ASIC)                                                                           infoline@asic.gov.au or
                                                                                  1300 300 630
Australian  Consumer Alerts Publication             Not known Free   general      http://fido.asic.gov.au/fido/fid
Securities                                                           public       o.nsf/byheadline/consumer+a
and                                                                               lerts+home+page?openDocu
Investments                                                                       ment                               (       ( (             ( (         (       (
Commission
 (ASIC)

Australian  FIDO News        Publication (Monthly   Not known Free   general      Free to join. For more
Securities                   email newsletter)                       public       details see
and                                                                               http://fido.asic.gov.au/fido/fid
Investments                                                                       o.nsf/byheadline/Join+FIDO+            (       (
Commission                                                                        News?opendocument
 (ASIC)

Australian  Money Expo       Expo/seminar           N/A       Free   general      Approx. 10 public
Securities                                                           public       expos/seminars each year
and                                                                               nationally
Investments                                                                                                                  (               (
Commission
 (ASIC)

Australian   Individuals     web based              N/A       Free   general      http://www.ato.gov.au/individ
Taxation     home page                                               public       uals                                           (   (           (       (
Office (ATO)




                                                                                                    17 of 80
Australian   Guide to Capital Publication    2003   Free   general      Available to download as a
Taxation     Gains Tax                                     public       set of pdf files:
Office (ATO)                                                            http://www.ato.gov.au/individ
                                                                        uals/content.asp?doc=/conte
                                                                        nt/31570.htm&page=1&pc=0
                                                                        01/002/042/003&mnu=5392&             (   (
                                                                        mfp=001/002&st=tp&cy=1.
                                                                        A printed version is available
                                                                        from an ATO shopfront or by
                                                                        calling the Publications
                                                                        Distribution Service on 1300
Australian   Personal         Publication    2003   Free   general      http://www.ato.gov.au/conten
Taxation     Investors Guide                               public       t/downloads/nat4152-03.pdf.
Office (ATO) to capital gains                                             A printed version is
             tax 2003                                                   available from an ATO                (   (
                                                                        shopfront or by calling the
                                                                        Publications Distribution
                                                                        Service on 1300 720 092.
Australian   Rental          Publication     2003   Free   general      http://www.ato.gov.au/conten
Taxation     Properties 2003                               public       t/downloads/NAT1729-
Office (ATO)                                                            03.pdf. A printed version is
                                                                        available from an ATO
                                                                        shopfront or by calling the              (   (
                                                                        Publications Distribution
                                                                        Service on         1300 720
                                                                        092.
Australian   You and Your      Publication   2003   Free   general      http://www.ato.gov.au/conten
Taxation     Shares                                        public       t/downloads/NAT2632-
Office (ATO)                                                            03.pdf. A printed version is
                                                                        available from an ATO                    (   ( (
                                                                        shopfront or by calling the
                                                                        Publications Distribution
                                                                        Service on 1300 720 092.
Australian   Entering the      Publication   2003   Free   general      http://www.ato.gov.au/conten
Taxation     Australian tax                                public       t/Downloads/NAT2705-
Office (ATO) system - what                                 (focusing    03.pdf. A printed version is
             you need to                                   on those     available from an ATO
             know 2003                                     that are     shopfront or by calling the      (       (
                                                           entering the Publications Distribution
                                                           tax system) Service on 1300 720 092.

Australian   Australian film   Publication   2003   Free   taxpayers    http://www.ato.gov.au/individ
Taxation     industry                                                   uals/content.asp?doc=/conte
Office (ATO) incentives                                                 nt/31577.htm&pc=001/002/04
                                                                        2/012&mnu=5392&mfp=001/
                                                                        002&st=tp&cy=1. A printed
                                                                        version is available from an             (   (
                                                                        ATO shopfront or by calling
                                                                        the Publications Distribution
                                                                        Service on 1300 720 092.




                                                                                         18 of 80
Australian   Business and     Publication    2003   Free   business      http://www.ato.gov.au/conten
Taxation     professional                                                t/downloads/NAT2543-
Office (ATO) items schedule                                              03.pdf. A printed version is
             and instructions                                            available from an ATO          (
                                                                         shopfront or by calling the
                                                                         Publications Distribution
                                                                         Service on 1300 720 092.
Australian   Capital           Publication   2003   Free   taxpayers     http://www.ato.gov.au/conten
Taxation     allowances                                                  t/downloads/NAT4089-
Office (ATO) schedule and                                                03.pdf. A printed version is
             instructions                                                available from an ATO          (
                                                                         shopfront or by calling the
                                                                         Publications Distribution
                                                                         Service on 1300 720 092.
Australian   Deductions for    Publication   2003   Free   taxpayers     http://www.ato.gov.au/conten
Taxation     pre-paid                                                    t/downloads/Nat4170-03.pdf.
Office (ATO) expenses                                                     A printed version is
                                                                         available from an ATO          (   (
                                                                         shopfront or by calling the
                                                                         Publications Distribution
                                                                         Service on 1300 720 092.
Australian   Family Tax        Publication   2003   Free   families      short guide:
Taxation     benefit claim                                 with children http://www.ato.gov.au/conten
Office (ATO) form instructions                                           t/downloads/NAT4108-
                                                                         03.pdf. Longer guide:
                                                                         http://www.ato.gov.au/conten
                                                                         t/downloads/NAT4108long-       (
                                                                         03.pdf A printed version is
                                                                         available from an ATO
                                                                         shopfront or by calling the
                                                                         Publications Distribution
                                                                         Service on 1300 720 092.
Australian   Guide to          Publication   2003   Free   general       http://www.ato.gov.au/conten
Taxation     Depreciating                                  public        t/downloads/Nat1996-03.pdf.
Office (ATO) Assets                                                       A printed version is
                                                                         available from an ATO          (   (
                                                                         shopfront or by calling the
                                                                         Publications Distribution
                                                                         Service on 1300 720 092.
Australian   Interest on early Publication   2003   Free   general       http://www.ato.gov.au/conten
Taxation     payments and                                  public        t/downloads/NAT2277-
Office (ATO) overpayments                                                03.pdf. A printed version is
             of tax                                                      available from an ATO          (
                                                                         shopfront or by calling the
                                                                         Publications Distribution
                                                                         Service on 1300 720 092.




                                                                                        19 of 80
Australian   Refund of          Publication   2003      Free   investors   http://www.ato.gov.au/conten
Taxation     imputation                                        (general)   t/downloads/NAT4105-
Office (ATO) credits:                                                      03.pdf. A printed version is
             application and                                               available from an ATO            (
             instructions for                                              shopfront or by calling the
             individuals                                                   Publications Distribution
                                                                           Service on 1300 720 092.
Australian   Rental             Publication   2003      Free   investors   http://www.ato.gov.au/conten
Taxation     Properties                                        (general)   t/downloads/NAT2683-
Office (ATO) schedules and                                                 03.pdf. A printed version is
             instructions                                                  available from an ATO            (   (
                                                                           shopfront or by calling the
                                                                           Publications Distribution
                                                                           Service on 1300 720 092.
Australian   Baby bonus         publication   Not known Free   general     http://www.ato.gov.au/individ
Taxation                                                       public      uals/content.asp?doc=/conte
Office (ATO)                                                               nt/22338.htm&pc=001/002/04       (
                                                                           2/014&mnu=5392&mfp=001/
                                                                           002&st=tp&cy=1
Australian   Baby bonus       publication     2003      Free   general     http://www.ato.gov.au/conten
Taxation     instructions and                                  public      t/downloads/Nat6580-03.pdf.
Office (ATO) claim                                                          A printed version is
                                                                           available from an ATO            (
                                                                           shopfront or by calling the
                                                                           Publications Distribution
                                                                           Service on 1300 720 092.
Australian   Guide to Goods publication       Dec-02    Free   small       http://www.ato.gov.au/individ
Taxation     and Services                                      business    uals/content.asp?doc=/conte
Office (ATO) tax for small                                                 nt/20724.htm&pc=001/002/04       (
             business                                                      2/004&mnu=5392&mfp=001/
                                                                           002&st=tp&cy=1
Australian   Foreign            publication   Not known Free   investors   http://www.ato.gov.au/conten
Taxation     Investment                                        (general)   t/downloads/NAT2130.pdf.
Office (ATO) funds guide                                                   A printed version is available
                                                                           from an ATO shopfront or by      (   (
                                                                           calling the Publications
                                                                           Distribution Service on 1300
                                                                           720 092.
Australian   How to claim a publication       Not known Free   general     http://www.ato.gov.au/conten
Taxation     foreign tax credit                                public      t/downloads/nat2338-03.pdf.
Office (ATO)                                                                A printed version is
                                                                           available from an ATO            (
                                                                           shopfront or by calling the
                                                                           Publications Distribution
                                                                           Service on 1300 720 092.




                                                                                           20 of 80
Australian   Pay as you go     publication   Not known Free   small         http://www.ato.gov.au/individ
Taxation     witholding guide                                 business      uals/content.asp?doc=/conte
Office (ATO) no 8 - a guide to                                              nt/41716.htm&pc=001/002/04
             withholding from                                               2/007&mnu=5392&mfp=001/
             back payments                                                  002&st=tp&cy=1. A printed
                                                                            version is available from an    (
                                                                            ATO shopfront or by calling
                                                                            the Publications Distribution
                                                                            Service on 1300 720 092.

Australian     Applying for    publication   Not known Free   general       http://www.ato.gov.au/conten
Taxation       your tax file                                  public        t/downloads/nat1753.pdf         (
Office (ATO)   number
Australian     Income          publication   Not known Free   artist,       http://www.ato.gov.au/conten
Taxation       averaging for                                  writer,       t/downloads/NAT2475-
Office (ATO)   special                                        composer      03.pdf. A printed version is
               professionals                                  or inventor   available from an ATO           (
                                                                            shopfront or by calling the
                                                                            Publications Distribution
                                                                            Service on 1300 720 092.
Australian   Tax Help          program       Not known Free   general       Available through July to 31
Taxation                                                      public (low   October                         (
Office (ATO)                                                  income)
Reserve      RBA website       web based     N/A       Free   students      http://www.rba.gov.au
Bank of
Australia                                                                                                       (
(RBA)




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                                                                                                                                                                                                                                     home
ACT Office of   Office of Fair  web based       N/A    Free   General public    http://www.fairtrading.act.gov.au/ind
Fair Trading    Trading website                                                 ex.html                                                 (                            (            (          (       (
ACT Office of   Scams and       Publication     Not   Free    General public    http://www.fairtrading.act.gov.au/pub
Fair Trading    Consumers                       known                           s/Other/Brochures/scams_consume
                                                                                rs.pdf or hard copy from OFT (ph:                                                    (                                      (
                                                                                13 32 20)
NSW Office of   Money Stuff!      web based     N/A    Free   students (primary http://www.moneystuff.fairtrading.ns
Fair Trading                                                  & secondary);     w.gov.au/
                                                              teachers                                                    (                                                       (                                                                           (
NSW Office of   School projects   web based     N/A    Free   students (primary http://www.fairtrading.nsw.gov.au/yo
Fair Trading    website                                       & secondary);     uth/schoolprojects.html
                                                              teachers                                                                                               (                       (                     (
NSW Office of   Office of Fair  web based       N/A    Free   General public     http://www.fairtrading.nsw.gov.au/de
Fair Trading    Trading website                                                  fault.html                                             (
NSW Office of   The Shoppers    Publication     Not   Free    General public     http://www.fairtrading.nsw.gov.au/pd
Fair Trading    Guide                           known                            fs/corporate/publications/dft114.pdf
                                                                                 or had copy from OFT (ph: 13 32 20)                    (                            (            (
NSW Office of   Student guide -   Publication   Not   Free    students (general) http://www.fairtrading.nsw.gov.au/pd
Fair Trading    understanding                   known                            fs/corporate/publications/ft253.pdf
                your consumer                                                    or hard copy from OFT (ph: 13 32                       (                            (            (
                rights                                                           20)
NSW Office of   The Seniors'      Publication   Not   Free    Seniors            http://www.fairtrading.nsw.gov.au/pd
Fair Trading    Guide                           known                            fs/corporate/publications/dft115.pdf
                                                                                 or hard copy from OFT (ph: 13 32                       (                            (            (          (       (      (
                                                                                 20)
NSW Office of   The Car Buyers Publication      Not   Free    General Public     http://www.fairtrading.nsw.gov.au/pd
Fair Trading    Handbook                        known                            fs/corporate/publications/ft253.pdf
                                                                                 or hard copy from OFT (ph: 13 32                       (                                                                                                                     (
                                                                                 20)
NSW Office of   Some things to Publication      Not   Free    General public     http://www.fairtrading.nsw.gov.au/pd
Fair Trading    consider before                 known                            fs/corporate/publications/dftc04.pdf
                you borrow                                                       or hard copy from OFT (ph: 13 32                       (
                money                                                            20)




                                                                                                   23 of 80
NSW Office of      Borrowing          Publication   Not   Free   General public    http://www.fairtrading.nsw.gov.au/pd
Fair Trading       money                            known                          fs/corporate/publications/dftc05.pdf
                                                                                   or hard copy from OFT (ph: 13 32           (
                                                                                   20)
NSW Office of      Credit cards &     Publication   Not   Free   General public    http://www.fairtrading.nsw.gov.au/pd
Fair Trading       interest free                    known                          fs/corporate/publications/dftc06.pdf
                   deals                                                           or hard copy from OFT (ph: 13 32           (
                                                                                   20)
NSW Office of      A seniors' guide Publication     Not   Free   General public    http://www.fairtrading.nsw.gov.au/pd
Fair Trading       to some basic                    known                          fs/corporate/publications/dftc09.pdf
                   consumer rights                                                 or hard copy from OFT (ph: 13 32                   (
                                                                                   20)

NSW Office of      Relationship       Publication   Not   Free   General public    http://www.fairtrading.nsw.gov.au/pd
Fair Trading       debt                             known                          fs/corporate/publications/dftc10.pdf
                                                                                   or hard copy from OFT (ph: 13 32           (
                                                                                   20)
NSW Office of      Help with credit   Publication   Not   Free   General public    http://www.fairtrading.nsw.gov.au/pd
Fair Trading       problems                         known                          fs/corporate/publications/dftc17.pdf
                                                                                   or hard copy from OFT (ph: 13 32           (
                                                                                   20)
NSW Office of      Banking -          Publication   Not   Free   General public    http://www.fairtrading.nsw.gov.au/pd
Fair Trading       reducing your                    known                          fs/corporate/publications/dftc19.pdf
                   transaction                                                     or hard copy from OFT (ph: 13 32                               (
                   costs                                                           20)
NSW Office of      Shopping and       Publication   Not   Free   General public    http://www.fairtrading.nsw.gov.au/pd
Fair Trading       refunds -                        known                          fs/corporate/publications/dftc24.pdf
                   information for                                                 or hard copy from OFT (ph: 13 32                   (
                   consumers                                                       20)
NSW Office of      Buying a Used      Publication   Not   Free   General public    http://www.fairtrading.nsw.gov.au/pd
Fair Trading       Car                              known                          fs/corporate/publications/dftc07.pdf
                                                                                   or hard copy from OFT (ph: 13 32                   (   (
                                                                                   20)
NSW Office of      Buying a Mobile Publication      Not   Free   General public    http://www.fairtrading.nsw.gov.au/pd
Fair Trading       Phone                            known                          fs/corporate/publications/dftc11.pdf
                                                                                   or hard copy from OFT (ph: 13 32                   (   (
                                                                                   20)
NSW              Mobile Phones        web based     N/A   Free   General public    http://www.kids.nsw.gov.au/ourwork/
Commission                                                                         mobiles.html
for children and                                                                                                              (   (   (       (
young people

NSW                "The Good, the     forum          2002 Free   youth (general)   For more infromation see:
Commission         Bad and the                                                     http://www.kids.nsw.gov.au/exchang
for children and   Ugly" of mobile                                                 e/8/mobile.html                        (       (   (       (
young people       phones

Office of          web site           web based     N/A   Free   youth (general)   http://www.youth.nsw.gov.au
Children &                                                                                                                (   (       (               (
Young People




                                                                                                     24 of 80
CAV                 CAV website      web based     N/A   Free   General public     http://www.consumer.vic.gov.au/
(Consumer and
Business                                                                                                                       (   (       (   (   (
Affairs Victoria)
CAV                 Money Stuff!     web based     N/A   Free   students (primary http://www.moneystuff.net.au/
(Consumer and                                                   and secondary);
Business                                                        teachers                                                   (   (   (   (   (       (
Affairs Victoria)
CAV                 Mind Your        Resource    Not   Free     NESB (Non-         http://www.virtualilc.com/amymTryIt/i
(Consumer and       Money            kit         known          English speaking   ndex.htm
Business                             comprising                 background)
Affairs Victoria)                    CD ROM,                    consumers;
                                     teachers'                  teachers (Adult
                                     notes,                     Multicultural
                                     student                    Education                                                      (   (       (   (   (
                                     worksheets,                Services)
                                      audio
                                     cassette,
                                     web based
                                     exercises
CAV                 Stuff            Publication Not   Free     youth (general)    http://www.consumer.vic.gov.au/cba
(Consumer and                                    known                             v/fairsite.nsf/pages/of_stuff; hard
Business                                                                           copy from CAV (ph. 1300 55 81 81)       (   (   (
Affairs Victoria)
CAV                 Debt Collectors: Publication   Not   Free   indigenous         http://www.consumer.vic.gov.au/cba
(Consumer and       Your Rights in                 known                           v/fairattach.nsf/Images/factsheet_in
Business            Victoria                                                       digenous_debtcollect/$FILE/debtcoll         (   (           (
Affairs Victoria)                                                                  ect.pdf; hard copy from CAV (ph.
                                                                                   1300 55 81 81)
CAV               Knowing Your       Publication   Not   Free   indigenous         http://www.consumer.vic.gov.au/cba
(Consumer and Rights When                          known                           v/fairattach.nsf/Images/factsheet_in
Business          Shopping                                                         digenous_shoprights/$FILE/shoprigh          (   (           (
Affairs Victoria)                                                                  ts.pdf; hard copy from CAV (ph.
                                                                                   1300 55 81 81)
CAV               Using Credit       Publication   Not   Free   indigenous         http://www.consumer.vic.gov.au/cba
(Consumer and                                      known                           v/fairattach.nsf/Images/factsheet_in
Business                                                                           digenous_usingcredit/$FILE/usingcr          (
Affairs Victoria)                                                                  edit.pdf; hard copy from CAV (ph.
                                                                                   1300 55 81 81)
CAV               Buying a Used      Publication   Not   Free   indigenous         http://www.consumer.vic.gov.au/cba
(Consumer and Car                                  known                           v/fairattach.nsf/Images/factsheet_in
Business                                                                           digenous_buyingcar/$FILE/buyingca           (   (
Affairs Victoria)                                                                  r.pdf; hard copy from CAV (ph.
                                                                                   1300 55 81 81)
CAV               Renting a Home Publication       Not   Free   indigenous         http://www.consumer.vic.gov.au/cba
(Consumer and                                      known                           v/fairattach.nsf/Images/factsheet_in
Business                                                                           digenous_renting/$FILE/renting.pdf;             (
Affairs Victoria)                                                                  hard copy from CAV (ph.1300 55 81
                                                                                   81)




                                                                                                     25 of 80
CAV               Older and Wiser Publication      Not   Free   Seniors          http://www.consumer.vic.gov.au/cba
(Consumer and                                      known                         v/fairsite.nsf/pages/of_older&wiser;
Business                                                                         hard copy from CAV (ph. 1300 55             (   (   (
Affairs Victoria)                                                                81 81)
CAV               Credit Cards    Publication      Not   Free   general public   http://www.consumer.vic.gov.au/cba
(Consumer and                                      known                         v/fairattach.nsf/Images/factsheet_fin
Business                                                                         ancialservices_creditcards/$File/cre    (
Affairs Victoria)                                                                ditcards.pdf; hard copy from CAV
                                                                                 (ph. 1300 55 81 81)
CAV                 Borrowing        Publication   Not   Free   General public   http://www.consumer.vic.gov.au/cba
(Consumer and       money                          known                         v/fairattach.nsf/Images/factsheet_fin
Business                                                                         ancialservices_borrowingmoney/$Fil      (
Affairs Victoria)                                                                e/borrowingmoney.pdf
CAV                 Dealing with    Publication    Not   Free   General public   http://www.consumer.vic.gov.au/cba
(Consumer and       Credit Problems                known                         v/fairattach.nsf/Images/factsheet_fin
Business                                                                         ancialservices_creditproblems/$File/
Affairs Victoria)                                                                creditproblems.pdf; hard copy from      (
                                                                                 CAV (ph. 1300 55 81 81)

CAV                 Payday lenders   Publication   Not   Free   General public   http://www.consumer.vic.gov.au/cba
(Consumer and       and the                        known                         v/fairattach.nsf/Images/factsheet_fin
Business            Consumer                                                     ancialservices_paydaylenders/$File/
Affairs Victoria)   Credit Code                                                  paydaylenders.pdf; hard copy from       (
                                                                                 CAV (ph. 1300 55 81 81)

CAV               Debt Collectors: Publication     Not   Free   General public   http://www.consumer.vic.gov.au/cba
(Consumer and Your Rights                          known                         v/fairattach.nsf/Images/factsheet_fin
Business                                                                         ancialservices_debtcollectors/$File/d
Affairs Victoria)                                                                ebtcollectors.pdf; hard copy from       (   (
                                                                                 CAV (ph. 1300 55 81 81)

CAV               Debt               Publication   Not   Free   General public   http://www.consumer.vic.gov.au/cba
(Consumer and Consolidation                        known                         v/fairattach.nsf/Images/factsheet_fin
Business                                                                         ancialservices_debtconsolidation/$Fi
Affairs Victoria)                                                                le/debtconsolidation.pdf; hard copy     (   (
                                                                                 from CAV (ph. 1300 55 81 81)

CAV                 Investment       Publication   Not   Free   General public   http://www.consumer.vic.gov.au/cba
(Consumer and       seminars and                   known                         v/fairattach.nsf/Images/factsheet_fin
Business            get rich quick                                               ancialservices_investmentseminars/
Affairs Victoria)   schemes                                                      $File/investmentseminars.pdf; hard                  (
                                                                                 copy from CAV (ph. 1300 55 81 81)

CAV               Finance brokers Publication      Not   Free   General public   http://www.consumer.vic.gov.au/cba
(Consumer and                                      known                         v/fairattach.nsf/Images/factsheet_fin
Business                                                                         ancialservices_financebrokers/$File/
Affairs Victoria)                                                                financebrokers.pdf; hard copy from      (
                                                                                 CAV (ph.1300 55 81 81)




                                                                                                    26 of 80
CAV               Comparison      Publication   Not   Free   General public     http://www.consumer.vic.gov.au/cba
(Consumer and rates                             known                           v/fairattach.nsf/Images/factsheet_fin
Business                                                                        ancialservices_comparisonrates/$Fil
Affairs Victoria)                                                               e/comparisonrates.pdf; hard copy             (
                                                                                from CAV (ph. 1300 55 81 81)

Queensland       OFT website      web based     N/A   Free   General public     http://www.consumer.qld.gov.au/
Office of Fair                                                                                                               (   (       (   (   (
Trading
Queensland       $hop $mart Kit   Resource   Not   Free      general public;    Qld OFT (ph. 1300 658 030)
Office of Fair                    kit        known           youth; teachers
Trading                           comprising
                                  brochure,
                                  fridge                                                                                         (   (   (
                                  magnet and
                                  tips card

Queensland       Buy Smart        Annual      N/A     Free   students           http://www.consumer.qld.gov.au/oft/
Office of Fair   Schools          schools                    (secondary and     oftweb.nsf/AllDocs/RWPEB9F1A9D
Trading          Competition      competition                primary); teachers 982F24A64A256BDC0020401D?Op
                                  with                                          enDocument&L1=Teachers                           (
                                  teacher
                                  resources
Queensland       Speakers for     speaker     N/A     Free   students           Contact local fair trading office. For
Office of Fair   schools                                     (secondary and     details of local office locations:
Trading                                                      primary); teachers http://www.consumer.qld.gov.au/oft/
                                                                                oftweb.nsf/web+pages/0C6AD84F5                   (
                                                                                4681EBF4A256B66001AF8AC?Ope
                                                                                nDocument&L1=About+Us

Queensland       Post School      Publication   Not   Free   youth (general)    http://www.consumer.qld.gov.au/oft/
Office of Fair   Survival Tips!                 known                           oftweb.nsf/AllDocs/RWPB0552F247
Trading                                                                         136F5B74A256D2F000FFBBA?Ope
                                                                                nDocument&L1=Youth+Section;              (   (   (
                                                                                hard copy from Qld OFT (ph. 1300
                                                                                658 030)
Queensland       Buying a Mobile Publication    Not   Free   General public     http://www.fairtrading.qld.gov.au/oft/
Office of Fair   Phone                          known                           oftweb.nsf/AllDocs/190FA471409F4
Trading                                                                         CD34A256CED0018685B/$File/Buyi
                                                                                ng_mobile_phone.pdf or hard copy                 (   (   (
                                                                                from Qld OFT (ph.1300 658030)

Queensland       Buying an        Publication   Not   Free   General public     http://www.fairtrading.qld.gov.au/oft/
Office of Fair   Investment                     known                           oftweb.nsf/AllDocs/8B08D54C1908F
Trading          Property                                                       0224A256B440030524D/$File/Buyin
                                                                                g_investment_property.pdf or hard                (       (
                                                                                copy from Qld OFT (ph. 1300
                                                                                658030)




                                                                                                   27 of 80
Queensland       Good Credit       Publication   Not   Free   General public   http://www.fairtrading.qld.gov.au/oft/
Office of Fair   Guide                           known                         oftweb.nsf/AllDocs/11110EB6A3806
Trading                                                                        5854A256C7C001A9285/$File/Good
                                                                               %20Credit%20Guide.pdf or hard            (   (   (   (
                                                                               copy from Qld OFT. (ph. 1300
                                                                               658030)
Queensland       Managing        Publication     Not   Free   General public   http://www.fairtrading.qld.gov.au/oft/
Office of Fair   Credit - Family                 known                         oftweb.nsf/AllDocs/70DFF5152AE19
Trading          Breakdown and                                                 4764A256C7C001CB2A0/$File/Cred
                 debt                                                          it_family_breakdown.pdf or hard              (   (   (
                                                                               copy from Qld OFT (ph.1300
                                                                               658030)
Queensland       Managing         Publication    Not   Free   General public   http://www.fairtrading.qld.gov.au/oft/
Office of Fair   Credit - Finance                known                         oftweb.nsf/AllDocs/F0BBD60520582
Trading          brokers                                                       9584A256C7C001D92E9/$File/Cred
                                                                               it_Finance_brokers.pdf or hard copy          (   (   (
                                                                               from Qld OFT (ph. 1300 658030)

Queensland       Managing          Publication   Not   Free   General public   http://www.fairtrading.qld.gov.au/oft/
Office of Fair   Credit -                        known                         oftweb.nsf/AllDocs/E628493EFB1D0
Trading          harassment                                                    38A4A256C7C001D200E/$File/Cred               (   (   (
                 from creditors                                                it_harassment_creditors.pdf
Queensland       Managing          Publication   Not   Free   General public   http://www.fairtrading.qld.gov.au/oft/
Office of Fair   Credit - Interest               known                         oftweb.nsf/AllDocs/163857366440B
Trading          free (including                                               3DA4A256C7C001DD590/$File/Cre                (   (   (
                 car loans)                                                    dit_interest_free.pdf

Queensland       Managing          Publication   Not   Free   General public   http://www.fairtrading.qld.gov.au/oft/
Office of Fair   Credit - payday                 known                         oftweb.nsf/AllDocs/FA00C505BD4C
Trading          loans                                                         B2424A256C860001748D/$File/Pay               (   (   (
                                                                               day_loans.pdf
Queensland       Managing         Publication    Not   Free   General public   http://www.fairtrading.qld.gov.au/oft/
Office of Fair   Credit -                        known                         oftweb.nsf/AllDocs/0C48877094989
Trading          struggling with                                               BF44A256C7C001E3714/$File/Cred               (   (   (
                 debt and getting                                              it_struggling_with_debt.pdf
                 help
Queensland       Managing         Publication    Not   Free   General public   http://www.fairtrading.qld.gov.au/oft/
Office of Fair   Credit - the                    known                         oftweb.nsf/AllDocs/C10732C9E9B1
Trading          credit contract                                               B4B04A256C7C001BC0C6/$File/Cr                (   (   (
                                                                               edit_contract.pdf
Queensland       Mandatory         Publication   Not   Free   General public   http://www.fairtrading.qld.gov.au/oft/
Office of Fair   Comparison                      known                         oftweb.nsf/AllDocs/2C774836E1AD2
Trading          Rates                                                         7994A256D52001A3DFE/$File/Com
                                                                               parison%20Rate%20Consumer.pdf                (
                                                                               or hard copy from Qld OFT (ph.
                                                                               1300 658030)




                                                                                                  28 of 80
Queensland       Payday Lending Publication      Not   Free   General public   http://www.fairtrading.qld.gov.au/oft/
Office of Fair   Arrangements                    known                         oftweb.nsf/AllDocs/F4A7C8A2096B
Trading                                                                        A7284A256C8E00286515/$File/Pay
                                                                               day%20lending.pdf or hard copy           (   (       (
                                                                               from Qld OFT (ph. 1300 658030)

Queensland       Unhappy? How     Publication    Not   Free   General public   http://www.fairtrading.qld.gov.au/oft/
Office of Fair   to resolve                      known                         oftweb.nsf/AllDocs/4ECDC7316B9C
Trading          complaints                                                    7CE24A256B440031688E/$File/Ho
                                                                               w_to_resolve_complaints.pdf or                           (
                                                                               hard copy from Qld OFT (ph. 1300
                                                                               658030)
Queensland       Getting a fair go Publication   Not   Free   indigenous       http://www.consumer.qld.gov.au/oft/
Office of Fair   when spending                   known                         oftweb.nsf/AllDocs/B7C1DFA91F7A
Trading          your money                                                    2FA84A256D5C0001380A/$File/AT            (   (   (   (   (
                                                                               SI%20booklet%20web.pdf
Queensland       Agewise          Publication    Not   Free   Seniors          http://www.fairtrading.qld.gov.au/oft/
Office of Fair                                   known                         oftweb.nsf/AllDocs/61707D5C1E2B
Trading                                                                        BBA64A256B5800071B96/$File/Age           (   (       (       (
                                                                               wise_dl.pdf or hard copy from Qld
                                                                               OFT (ph. 1300 658030)
OCBSA (Office OCBSA website web based            N/A   Free   General Public   http://www.ocba.sa.gov.au/index.ht
of Consumer                                                                    ml
and Business
Affairs South                                                                                                           (   (   (   (   (   (
Australia)

OCBSA (Office The Smart           Publication    Not   Free   general public   http://www.ocba.sa.gov.au/pdf/cons
of Consumer   Consumer                           known                         umerguide.pdf or hard copy from
and Business                                                                   OCBSA. For contact details, see:
Affairs South                                                                  http://www.ocba.sa.gov.au/consume        (   (   (   (   (   (
Australia)                                                                     radvice/contact.html

OCBSA (Office Buying a Mobile Publication        Not   Free   General public   http://www.ocba.sa.gov.au/pdf/02_m
of Consumer   Phone                              known                         obilephones.pdf or hard copy from
and Business                                                                   OCBSA. For contact details, see:
Affairs South                                                                  http://www.ocba.sa.gov.au/consume        (
Australia)                                                                     radvice/contact.html

OCBSA (Office Consumer            Publication    Not   Free   General public   http://www.ocba.sa.gov.au/pdf/04_c
of Consumer   Complaints                         known                         onsumer.pdf or hard copy from
and Business                                                                   OCBSA. For contact details, see:
Affairs South                                                                  http://www.ocba.sa.gov.au/consume                        (
Australia)                                                                     radvice/contact.html

OCBSA (Office One Step Ahead Publication         Not   Free   Seniors          http://www.ocba.sa.gov.au/pdf/11_iy
of Consumer                                      known                         op.pdf or hard copy from OCBSA.
and Business                                                                   For contact details, see:
Affairs South                                                                  http://www.ocba.sa.gov.au/consume        (   (       (       (
Australia)                                                                     radvice/contact.html




                                                                                                  29 of 80
OCBSA (Office   Consumer        web based       N/A   Free   youth (general)   http://www.b4usplashcash.ocba.sa.g
of Consumer     Youth Website -                                                ov.au/
and Business    B4U Splash
Affairs South   Your Cash                                                                                             (   (       (   (   (       (       (
Australia)

WA              WA Consumer      web based      N/A   Free   General Public    http://www.docep.wa.gov.au/default.
Department of   Protection                                                     asp?id=cp/dev_consumers/ssi/index
Consumer and    website                                                        &menu=cp_consumer                          (   (   (   (   (   (
Employment
Protection
WA              The Consumer     Publication    Not   Free   General Public    http://www.docep.wa.gov.au/cp/dev_
Department of   Credit Code -                   known                          publications/consumer_notes/consu
Consumer and    what it means                                                  mer_credit_code.html                       (   (
Employment      for consumers
Protection
WA              Credit Relief    Publication    Not   Free   General Public    http://www.docep.wa.gov.au/cp/dev_
Department of   and the                         known                          publications/consumer_notes/credit_
Consumer and
Employment
                Commercial
                Tribunal
                                                                               relief.html                                (   (       (
Protection
WA              Credit - what    Publication    Not   Free   General Public    http://www.docep.wa.gov.au/cp/dev_
Department of   happens when                    known                          publications/consumer_notes/credit_
Consumer and    you can't pay                                                  cant_pay.html                              (   (       (
Employment
Protection
WA              Finance broking Publication     Not   Free   General Public    http://www.docep.wa.gov.au/cp/dev_
Department of   and mortgage                    known                          publications/consumer_notes/guide_
Consumer and    investments                                                    investors.html                             (   (       (               (
Employment
Protection
WA              Getting help     Publication    Not   Free   General Public    http://www.docep.wa.gov.au/cp/dev_
Department of   when you can't                  known                          publications/consumer_notes/getting
Consumer and    repay a loan                                                   _help.html                                 (   (       (
Employment
Protection
WA              Handy credit tips Publication   Not   Free   General Public    http://www.docep.wa.gov.au/cp/dev_
Department of                                   known                          publications/consumer_notes/credit_
Consumer and                                                                   tips.html                                  (   (       (
Employment
Protection
WA              Wise Choice - a Publication     Not   Free   Seniors           http://www.docep.wa.gov.au/cp/dev_
Department of   consumer guide                  known                          publications/wise/wise.pdf
Consumer and    for seniors                                                                                               (   (       (       (
Employment
Protection
Department of   Consumer and web based          N/A   Free   General public    http://www.nt.gov.au/justice/graphpa
Consumer and    Business Affairs                                               ges/cba/conaffairs/index.shtml
Business        website                                                                                                   (   (   (   (   (   (
Affairs NT




                                                                                                 30 of 80
Department of      Consumer       Publication      Not   Free   General public    http://www.nt.gov.au/justice/docs/cb
Consumer and       Complaints and                  known                          a/formfact/ca010201_complaints.pdf
Business           Disputes                                                                                                              (
Affairs NT
Department of      Your Rights as    Publication   Not   Free   General public    http://www.nt.gov.au/justice/docs/cb
Consumer and       a Consumer                      known                          a/formfact/ca010101_rights.pdf
Business                                                                                                                     (       (
Affairs NT
Department of      How consumer Publication        Not   Free   General public    http://www.nt.gov.au/justice/docs/cb
Consumer and       laws protect you                known                          a/formfact/ca010301_protection.pdf
Business                                                                                                                     (       (
Affairs NT
Department of      Payday Lending Publication      Not   Free   General public    http://www.nt.gov.au/justice/docs/cb
Consumer and       and the                         known                          a/formfact/ca050101_payday_lend.p
Business           Consumer                                                       df                                     (   (       (
Affairs NT         Credit Code
Department of      Credit cards   Publication      Not   Free   General public    http://www.nt.gov.au/justice/docs/cb
Consumer and                                       known                          a/formfact/ca050201_creditcards.pdf
Business                                                                                                                 (   (       (
Affairs NT
Department of      Buying a Used     Publication   Not   Free   General public    http://www.nt.gov.au/justice/docs/cb
Consumer and       Vehicle                         known                          a/formfact/ca020501_buyusedcar.pd
Business                                                                          f                                      (   (
Affairs NT
Department of      Keep Your PIN     Posters       Not   Free   indigenous        Department of Consumer and
Consumer and       number safe;                    known                          Business Affairs NT (ph. (08) 8999
Business           Don't Buy a                                                    6047)
Affairs NT         Rubbish Car;                                                                                              (
                   Warranties and
                   Refunds
Department of      Introducing       Publication   Not   Free   General public    http://www.nt.gov.au/justice/docs/cb
Consumer and       comparison                      known                          a/formfact/ca050301comprates.pdf
Business           rates                                                                                                 (
Affairs NT
NT Office of       Youth Website     web based     N/A   Free   youth (general)   http://www.nt.gov.au/dcm/youth_affa
Youth Affairs                                                                     irs/home.shtml                         (   (   (   (
Tasmania           Consumer          web based     N/A   Free   General Public    http://www.justice.tas.gov.au/ca/hp_
Department of      Affairs Website                                                ci.htm
Justice and
Industrial
Relations -                                                                                                              (   (   (   (   (   (
Consumer
Affairs and Fair
Trading
Tasmanian          Office of Youth   web based     N/A   Free   youth (general)   http://www.youthaffairs.tas.gov.au/
Office of Youth
Affairs
                   Affairs Website
                                                                                                                         (   (   (   (




                                                                                                    31 of 80
           Insura
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                                                                        Markets and Exchanges




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Australian   ASX web site       web based                      N/A    Free     investors      http://www.asx.com.au
Stock
Exchange                                                                                                                                      (             (             (               (              (                       (          (
(ASX)
Australian   MyASX              online service including       N/A    Free     investors      http://www.asx.com.au
Stock                           email newsletters; personal
Exchange                        "watchlist" for stocks; free                                                                                  (             (             (               (              (                       (          (
(ASX)                           classes
Australian   Getting started    web based course               N/A    Free     investors      http://www.asx.com.au Need to register
Stock        in Shares                                                                        first with MyASX
Exchange                                                                                                                                      (             (             (               (              (                       (          (
(ASX)
Australian   Getting Started    web based course               N/A    Free     investors      http://www.asx.com.au Need to register
Stock        in Warrants                                                                      first with MyASX
Exchange                                                                                                                                                    (                             (              (                       (          (
(ASX)
Australian   Getting Started    face-to-face course            N/A    $150     investors      Classes run in Adelaide, Brisbane, Perth,
Stock        in Warrants                                                                      Melbourne & Sydney. For more details,
Exchange                                                                                      call 1300 300 279 or email:                                   (                             (              (                       (          (
(ASX)                                                                                         investor.education@asx.com.au
Australian   Getting Started    distance education - written   N/A    $69.95   investors      Enrolment forms on ASX web site:
Stock        in Warrants        material; support via                                         http://www.asx.com.au
Exchange                        telephone                                                                                                                   (                             (              (                       (          (
(ASX)
Australian   Getting Started    web based course               N/A    Free     investors      http://www.asx.com.au Need to register
Stock        in Options and                                                                   first with MyASX
Exchange     Warrants                                                                                                                                       (                             (              (                       (          (
(ASX)
Australian   Getting Started    web based course               N/A    Free     investors      http://www.asx.com.au Need to register
Stock        in Interest Rate                                                                 first with MyASX
Exchange     Securities                                                                                                                                     (                             (              (                       (          (
(ASX)
Australian   Starting in the    web based course               N/A    Free     investors      http://www.asx.com.au Need to register
Stock        Sharemarket                                                                      first with MyASX
Exchange                                                                                                                                                    (                             (              (                       (          (
(ASX)




                                                                                            33 of 80
Australian   Starting in the     face-to-face course            N/A   $150     investors     Classes run in Adelaide, Brisbane, Perth,
Stock        Sharemarket                                                                     Melbourne & Sydney. For more details,
Exchange                                                                                     call 1300 300 279 or email:                     (   (   (       (   (
(ASX)                                                                                        investor.education@asx.com.au
Australian   Starting in the     distance education - written   N/A    $70     investors     Enrolment forms on ASX web site:
Stock        Sharemarket         materials                                                   http://www.asx.com.au
Exchange                                                                                                                                     (   (   (       (   (
(ASX)
Australian   Getting Started web based course                   N/A   Free     investors     http://www.asx.com.au Need to register
Stock        in Options - the                                                                first with MyASX
Exchange     essentials of                                                                                                                   (   (   (       (   (
(ASX)        Options investing

Australian   Getting Started face-to-face course                N/A   $150     investors     Classes run in Adelaide, Brisbane, Perth,
Stock        in Options - the                                                                Melbourne & Sydney. For more details,
Exchange     essentials of                                                                   call 1300 300 279 or email:                     (   (   (       (   (
(ASX)        Options investing                                                               investor.education@asx.com.au

Australian   Getting Started     distance education - written   N/A   $69.95   investors     Enrolment forms on ASX web site:
Stock        in Options - the    materials; teaching support                                 http://www.asx.com.au
Exchange     essentials of       via email and telephone;                                                                                    (   (   (       (   (
(ASX)        Options investing   free CD

Australian   Tracking Your       web based course               N/A   Free     investors     http://www.asx.com.au Need to register
Stock        Sharemarket                                                                     first with MyASX
Exchange     Investment                                                                                                                      (   (   (       (   (
(ASX)
Australian   Tracking Your       face-to-face course            N/A   $150     investors     Classes run in Adelaide, Brisbane, Perth,
Stock        Sharemarket                                                                     Melbourne & Sydney. For more details,
Exchange     Investment                                                                      call 1300 300 279 or email:                     (   (   (       (   (
(ASX)                                                                                        investor.education@asx.com.au
Australian   Tracking Your       distance education - written   N/A   $69.96   investors     Enrolment forms on ASX web site:
Stock        Sharemarket         materials                                                   http://www.asx.com.au
Exchange     Investment                                                                                                                      (   (   (       (   (
(ASX)
Australian   Developing Your web based course                   N/A   Free     investors     http://www.asx.com.au Need to register
Stock        Investment                                                                      first with MyASX
Exchange     Portfolio                                                                                                                   (   (   (   (   (   (   (
(ASX)
Australian   Developing Your face-to-face course                N/A   $150     investors     Classes run in Adelaide, Brisbane, Perth,
Stock        Investment                                                                      Melbourne & Sydney. For more details,
Exchange     Portfolio                                                                       call 1300 300 279 or email:                 (   (   (   (   (   (   (
(ASX)                                                                                        investor.education@asx.com.au
Australian   Developing Your distance education - written       N/A   $69.96   investors     Enrolment forms on ASX web site:
Stock        Investment      materials                                                       http://www.asx.com.au
Exchange     Portfolio                                                                                                                   (   (   (   (   (   (   (
(ASX)
Australian   Analysing and    web based course                  N/A   Free     investors     http://www.asx.com.au Need to register
Stock        selecting shares                                                                first with MyASX
Exchange                                                                                                                                     (               (
(ASX)




                                                                                           34 of 80
Australian   Analysing and    face-to-face course            N/A        $150       investors     Classes run in Adelaide, Brisbane, Perth,
Stock        selecting shares                                                                    Melbourne & Sydney. For more details,
Exchange                                                                                         call 1300 300 279 or email:                     (       (
(ASX)                                                                                            investor.education@asx.com.au
Australian   Analysing and    distance education - written   N/A       $69.96      investors     Enrolment forms on ASX web site:
Stock        selecting shares materials                                                          http://www.asx.com.au
Exchange                                                                                                                                         (       (
(ASX)
Australian   Advancing in     web based course               N/A        Free       investors     http://www.asx.com.au Need to register
Stock        Options: Trading                                                                    first with MyASX
Exchange     Strategies                                                                                                                          (       (
(ASX)
Australian   Listed Managed    face-to-face course           N/A        Free       investors     Call ASX Customer Service to register
Stock        Investment                                                                          1300 300 279
Exchange     Seminars                                                                                                                            (       (
(ASX)
Australian   Investing in      face-to-face course           N/A        Free       investors     Call ASX Customer Service to register
Stock        Overseas                                                                            1300 300 279
Exchange     Markets                                                                                                                             (   (   (
(ASX)
Australian   Investing for     face-to-face course           N/A        Free       investors     Call ASX Customer Service to register
Stock        Income &                                                                            1300 300 279
Exchange     Security                                                                                                                        (   (       (
(ASX)
Australian   Understanding   face-to-face course             N/A        $35        investors     Call ASX Customer Service to register
Stock        the Stockmarket                                                                     1300 300 279. Classes held in regional
Exchange                                                                                         areas including Coffs Harbour, Gosford,     (   (       (   (
(ASX)                                                                                            Alice Springs and Darwin
Australian   Investor Hour     face-to-face course           N/A         $5        investors     Held in Sydney, Brisbane, Melbourne,
Stock                                                                                            Perth Adelaid on first come first served
Exchange                                                                                         basis. Call ASX Customer Service for            (       (   (
(ASX)                                                                                            more details, call 1300 300 279
Australian   Channel 9         seminar/conference            N/A     Adults $15;   investors     Sydney: Aug 6-Aug 8 2004; Melbourne:
Stock        Money Expo                                            Seniors/Pensio                May 28- May 30 2004. Call ASX
Exchange                                                              ners: $10;                 Customer Service for more details, call         (       (   (
(ASX)                                                              Multi-day pass:               1300 300 279
                                                                         $25
Australian   Better Trend      seminar presented by Daryl    N/A     Price varies investors      Classes run in Adelaide, Brisbane, Perth,
Stock        Trading - A six   Guppy (external presenter           between $210 -                Melbourne & Sydney. For more details,
Exchange     step workship     supported by ASX)                         250                     call 1300 300 279
(ASX)                                                               depending on                                                                 (       (
                                                                       payment
                                                                        method
Australian   Sharemarket       web based                     N/A         Free      investors     Information on ASX web site
Stock        games                                                                               (http://www.asx.com.au). Aversion called
Exchange                                                                                         "schools sharemarket games" is open to
(ASX)                                                                                            students from Years 7 to 12. The general        (       (   (
                                                                                                 sharemarket games is open to individuals
                                                                                                 18 years and older.




                                                                                               35 of 80
Sydney     Products and       publication    Not    Free   investors     http://www.sfe.com.au/Content/aboutsfe/b
Futures    Services                         known                        rochures/001_productsserv.pdf              (   (
Exchange   Brochure
Sydney     Interest Rate      publication    Not    Free   investors     http://www.sfe.com.au/Content/aboutsfe/b
Futures    Products                         known                        rochures/002_interestrate.pdf              (   (
Exchange   Brochure
Sydney     Equity Products    publication    Not    Free   investors     http://www.sfe.com.au/Content/aboutsfe/b
Futures    Brochure                         known                        rochures/003_equity.pdf                    (   (
Exchange
Sydney     Introduction to  publication      Not    Free   investors     http://www.sfe.com.au/Content/aboutsfe/b
Futures    Futures and                      known                        rochures/004_introduction.pdf              (   (
Exchange   Options
Sydney     Overview of SFE publication       Not    Free   investors     http://www.sfe.com.au/Content/aboutsfe/b
Futures    Trading Products                 known                        rochures/005_overview.pdf                  (   (
Exchange
Sydney     Trading            publication    Not    Free   investors     http://www.sfe.com.au/Content/aboutsfe/b
Futures    Opportunities                    known                        rochures/006_opportunities.pdf
Exchange   using SFE                                                                                                (   (
           Products
Sydney     30 Day             publication    Not    Free   investors     http://www.sfe.com.au/Content/aboutsfe/b
Futures    Interbank Cash                   known                        rochures/007_30daycashrate.pdf
Exchange   Rate Futures                                                                                             (   (
           Contract
Sydney     Serial Options:    publication    Not    Free   investors     http://www.sfe.com.au/Content/aboutsfe/b
Futures    90 Day Bank Bill                 known                        rochures/008_90dbbserial.pdf               (   (
Exchange   Futures
Sydney     Block Trade        publication    Not    Free   investors     http://www.sfe.com.au/Content/aboutsfe/b
Futures    Facility                         known                        rochures/009_btf.pdf                       (   (
Exchange
Sydney     Q&A for 3 Year publication        Not    Free   investors     http://www.sfe.com.au/Content/aboutsfe/b
Futures    and 10 Year                      known                        rochures/010_swaps.pdf
Exchange   Interest Rate                                                                                            (   (
           Swap Futures
Sydney     3 Year and 10   publication       Not    Free   investors     http://www.sfe.com.au/Content/aboutsfe/b
Futures    Year Interest                    known                        rochures/011_swapsref.pdf
Exchange   Rate Swap                                                                                                (   (
           Futures
           Reference Guide
Sydney     One Session     publication       Not    Free   investors     http://www.sfe.com.au/Content/aboutsfe/b
Futures    Options                          known                        rochures/012_ido.pdf                       (   (
Exchange
Sydney     Individual Share   publication    Not    Free   investors     http://www.sfe.com.au/Content/aboutsfe/b
Futures    Futures                          known                        rochures/013_isf.pdf                       (   (
Exchange
Sydney     Currencies -       publication    Not    Free   investors     http://www.sfe.com.au/Content/aboutsfe/b
Futures    AUD/USD                          known                        rochures/014_currencies.pdf                (   (
Exchange
Sydney     Wool Futures &     publication    Not    Free   investors     http://www.sfe.com.au/Content/aboutsfe/b
Futures    Options                          known                        rochures/015_wool.pdf                      (   (
Exchange




                                                                       36 of 80
Sydney     Wool Guide       publication    Not    Free   investors     http://www.sfe.com.au/Content/aboutsfe/b
Futures                                   known                        rochures/016_woolguide.pdf                 (   (
Exchange
Sydney     Guide to        publication     Not    Free   investors     http://www.sfe.com.au/Content/aboutsfe/b
Futures    Delivery and                   known                        rochures/017_wool_deliv.pdf
Exchange   Cash Settlement                                                                                        (   (
           Procedures

Sydney     New Zealand      publication    Not    Free   investors     http://www.sfe.com.au/Content/aboutsfe/b
Futures    Medium and                     known                        rochures/018_nz_medlong.pdf
Exchange   Long Term                                                                                              (   (
           Interest Rates
Sydney     New Zealand      publication    Not    Free   investors     http://www.sfe.com.au/Content/aboutsfe/b
Futures    ShortTerm                      known                        rochures/019_nz_short.pdf                  (   (
Exchange   Interest Rates




                                                                     37 of 80
                                                                Consumer and Community Organisations




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Association of          AIR Website         web based N/A         Free         Seniors    http://www.independentretirees.
Independent Retirees                                                                      com/                                                                                                                                             (
Banking and Financial   BFSO website        web based N/A         Free         general    http://www.bfso.org.au
Services Ombudsman                                                             public                                                                                                                           (
Banking and Financial   How to Resolve      publication   N/A     Free         general    http://www.bfso.org.au/ABIOW
Services Ombudsman      Your Dispute                                           public     eb/ABIOWebSite.nsf/0/ED5E1
                                                                                          E95BD8ABC10CA256C1D001                                                                                                (
                                                                                          2553B/$file/~BFSO_HowToRes
                                                                                          olveDispute.pdf
Australian Consumers    Choice website      web based N/A         Free and     general    http://www.choice.com.au
Association                                                       subscriber   public                                         (              (              (             (              (                               (       (
Australian Consumers    Choice Money &      publication   N/A     Subscriber general      See Choice web site for more
Association             Rights                                    - $54 for  public       details:                            (              (              (             (              (                               (       (
                                                                  12 months               http://www.choice.com.au
National Children &     Listen Up! Mobile   web based N/A         Free       youth        http://www.lawstuff.org.au/
Youth Law Centre        Phones                                                                                                               (              (                            (            (
Consumer Credit Legal   CCLC website        web based N/A         Free         general    http://www.cclcnsw.org.au/
Centre (NSW)                                                                   public                                         (              (                                           (            (
Consumer Credit Legal Need a Loan?         publication    N/A     Free         general    http://www.cclcnsw.org.au/facts
Centre (NSW)          (also available in                                       public     heets/fs1.pdf
                      Arabic, Chinese,                                                                                                       (                                           (
                      Spanish, Samoan)
Consumer Credit Legal Easy Money or        publication    N/A     Free         general    http://www.cclcnsw.org.au/facts
Centre (NSW)          Debt Trap (also                                          public     heets/fs2.pdf
                      available in Arabic,                                                                                                   (                                           (
                      Chinese, Spanish,
                      Samoan)
Consumer Credit Legal Separation & Debt publication       N/A     Free         general    http://www.cclcnsw.org.au/facts
Centre (NSW)          (also available in                                       public     heets/fs3.pdf
                      Arabic, Chinese,                                                                                                       (                                           (
                      Spanish, Samoan)




                                                                                                  38 of 80
Consumer Credit Legal Struggling with a    publication   N/A   Free         general     http://www.cclcnsw.org.au/facts
Centre (NSW)          Debt (also                                            public      heets/fs4.pdf
                      available in Arabic,                                                                                 (       (
                      Chinese, Spanish,
                      Samoan)
Australian Investors  The Investors Voice publication    N/A   Free to     investors    More details on web site:
Association                                                    members                  http://www.asa.asn.au or call
                                                               ($71.50                  1300 368 448                           (           (
                                                               per annum)
Australian Investors   Investor Alerts     publication   N/A         $5.50 investors    More details on web site:
Association                                                                             http://www.asa.asn.au or call          (           (
                                                                                        1300 368 449
Australian             Australian          web based N/A       Free         investors   http://www.asa.asn.au/
Shareholders           Shareholders
Association            Association website                                                                                     (           (
Australian             Equity Newsletter   publication   N/A   Free to      investors   More details on web site:
Shareholders                                                   members                  http://www.asa.asn.au or call
Association                                                    ($75 per                 1300 368 449                           (           (
                                                               annum)
Care Inc. Financial    Care website        web based N/A       Free         general     http://www.carefcs.org/
Counselling Service                                                         public
and the Consumer Law                                                                                                       (       (
Centre of the ACT
Care Inc. Financial    Surviving and       resource kit N/A    Free         general     http://www.fairtrading.act.gov.a
Counselling Service    Thriving                                             public (low u/CARE.htm
and the Consumer Law                                                        income)                                        (       (
Centre of the ACT
Financial & Consumer   FCRC website        web based N/A       Free         general     http://home.vicnet.net.au/~fcrc/
Rights Council                                                              public      Financial%20and%20Consume          (       (   (
                                                                                        r%20help.htm
Financial & Consumer   Money Worries -     publication   N/A   Free to      general     For more details see
Rights Council         Can a Financial                         members      public      http://home.vicnet.net.au/~fcrc/
                       Counsellor Help?                        (otherwise               Publications.html
                                                               $10.50 per                                                  (       (   (
                                                               100 plus
                                                               P&P)
Financial & Consumer   Consumer         publication      N/A   Free to      general     For more details see
Rights Council         Problems - Can                          members      public      http://home.vicnet.net.au/~fcrc/
                       Consumer Support                        (otherwise               Publications.html
                       Worker Help?                            $10.50 per                                                  (       (   (
                                                               100 plus
                                                               P&P)
Financial & Consumer   Having Money        publication   N/A   Free to      general     For more details see
Rights Council         Worries -                               members      public      http://home.vicnet.net.au/~fcrc/
                       Accessing                               (otherwise               Publications.html
                       Financial                               $10.50 per                                                  (       (   (
                       Counselling                             100 plus
                                                               P&P)
Consumer Credit Legal CCLS website         web based N/A       Free         general     http://www.ccls.org.au/overview
Service                                                                     public      .html                              (       (   (


                                                                                                 39 of 80
Consumer Law Centre     CLC website           web based N/A      Free   general      http://www.clcv.net.au/
Victoria                                                                public                                              (   (   (
YWCA NSW                Finance First       schools   N/A        Free   students     Pilot program in 3 NSW
                                            program;                    (primary);   primary schools
                                            teachers                    teachers                                        (
                                            notes
Credit Line Financial   Credit Line website web based N/A        Free   general      http://www.wesleymission.org.a
Counselling                                                             public       u/centres/creditline/default.asp   (   (   (   (
Credit Line Financial   103 Top Tips for      factsheet    N/A   Free   general      http://www.wesleymission.org.a
Counselling             Tough Times                                     public       u/centres/creditline/factsheet1.   (
                                                                                     asp
Credit Line Financial   Budget Principles     factsheet    N/A   Free   general      http://www.wesleymission.org.a
Counselling                                                             public       u/centres/creditline/factsheet2.   (
                                                                                     asp
Credit Line Financial   Debt Consolidation factsheet       N/A   Free   general      http://www.wesleymission.org.a
Counselling                                                             public       u/centres/creditline/factsheet3.       (
                                                                                     asp
Credit Line Financial   Are Things Getting factsheet       N/A   Free   general      http://www.wesleymission.org.a
Counselling             Out of Hand?                                    public       u/centres/creditline/factsheet4.           (   (
                                                                                     asp
Credit Line Financial   Preparing a Money factsheet        N/A   Free   general      http://www.wesleymission.org.a
Counselling             Plan                                            public       u/centres/creditline/factsheet5.   (
                                                                                     asp
Credit Line Financial   What to do if in       factsheet   N/A   Free   general      http://www.wesleymission.org.a
Counselling             Financial Difficulties                          public       u/centres/creditline/factsheet6.           (   (
                                                                                     asp
Credit Line Financial   Relationship Debt     factsheet    N/A   Free   general      http://www.wesleymission.org.a
Counselling                                                             public       u/centres/creditline/factsheet7.           (   (
                                                                                     asp
Credit Line Financial   Car Repossessions factsheet        N/A   Free   general      www.wesleymission.org.au/cen
Counselling                                                             public       tres/creditline/factsheet8.asp             (   (
Credit Line Financial   Fines                 factsheet    N/A   Free   general      http://www.wesleymission.org.a
Counselling                                                             public       u/centres/creditline/factsheet9.           (   (
                                                                                     asp
Credit Line Financial   Hardship and Loan factsheet        N/A   Free   general      http://www.wesleymission.org.a
Counselling             Variations                                      public       u/centres/creditline/factsheet10       (
                                                                                     .asp
Credit Line Financial   Creditor              factsheet    N/A   Free   general      http://www.wesleymission.org.a
Counselling             Harassment                                      public       u/centres/creditline/factsheet11       (   (
                                                                                     .asp
Credit Line Financial   Credit Reference      factsheet    N/A   Free   general      http://www.wesleymission.org.a
Counselling             Files                                           public       u/centres/creditline/factsheet12       (   (
                                                                                     .asp
Darwin Community        Darwin Community web based N/A           Free   general      http://www.dcls.org.au/
Legal Service           Legal Service                                   public                                                  (
                        website




                                                                                             40 of 80
Illawarra Legal Centre   What to do in          publication   N/A   Free     general     http://www.illawarralegalcentre.
                         money troubles: a                                   public      org.au/doc/Money_Troubles_2.
                         guide to consumer                                               pdf
                         rights for people in
                         Aboriginal                                                                                                     (
                         communities in
                         NSW

Redfern Legal Centre     Credit Records         factsheet     N/A   Free     general     http://www.rlc.org.au/factsheets
                                                                             public      /credit/cd02.html                              (
Redfern Legal Centre     Fines                  factsheet     N/A   Free     general     http://www.rlc.org.au/factsheets
                                                                             public      /credit/cd03.html                              (
Redfern Legal Centre     Harassment by          factsheet     N/A   Free     general     http://www.rlc.org.au/factsheets
                         Debt Collectors                                     public      /credit/cd04.html                      (       (
Redfern Legal Centre     Hardship Loan          factsheet     N/A   Free     general     http://www.rlc.org.au/factsheets
                         Variations                                          public      /credit/cd05.html                              (
Redfern Legal Centre     Repossession of        factsheet     N/A   Free     general     http://www.rlc.org.au/factsheets
                         Motor Vehicles                                      public      /credit/cd06.html                              (
Victoria Legal Aid       Falling On Hard        publication   N/A   Free     general     http://www.legalaid.vic.gov.au/u
                         Times                                               public      pload/cl.hard_times.pdf                        (
Legal Services           Debt Collectors        factsheet     N/A   Free     general     http://www.lsc.sa.gov.au/pamp
Commission SA                                                                public      hlets/debts.pdf                        (       (
Legal Services           Bankruptcy             factsheet     N/A   Free     general     http://www.lsc.sa.gov.au/pamp
Commission SA                                                                public      hlets/bankruptcy.pdf                   (       (
Rotary Youth Driver      U-Turn the Wheel       seminar       N/A   Free     students    See RYDA web site
Awareness                Program                                             (year 11)   http://www.rotaryyouthdriveraw
                                                                                         areness.org or call (02) 9413                  (   (
                                                                                         3188
The Smith Family         VIEW clubs             financial   N/A            $5 women      http://www.smithfamily.com.au/
                                                literacy                                                                                (
                                                programs
Good Shepherd Society No Interest Loans         financial   N/A     Free     debtors     http://www.nilsnsw.org.au/index
                      Scheme                    counselling                              .htm                                   (       (
                                                service
Barnardos (with HSBC) HSBCkids                  financial   N/A              youth       http://bne380d.server-
                                                literacy                                 web.com/barnardos.org.au/HS        (       (
                                                program                                  BCkids/html/index2.cfm




                                                                                                 41 of 80
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42 of 80
                                                                   Industry and Professional Associations




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                                                                                                                                                                                    home
Australian          Smarter          Publication   Dec-03   Free General       http://www.bankers.asn.au/ABA
Bankers             Banking: Make                                Public        /pdf/Smarter%20Banking%20b
Association         the Most of Your                                           ooklet%20final.pdf or hard
                    Money                                                      copy from ABA (ph. (02) 8298                                            (                  (
                                                                               0417)

Australian          Money Matters    Teacher        Not     Free students      http://www.bankers.asn.au/ABA
Bankers                              Resource      known         (primary);    /adminpages/AdminViewAnArti
Association                          and                         teachers      cle.asp?ArticleID=44                ( (                                                    (
                                     Student
                                     activities
Australian          More on Money    Web based     2001     Free students    http://www.bankers.asn.au/ABA
Bankers                              teacher                     (secondary) /adminpages/AdminViewAnArti
Association                          resource                    ; teachers cle.asp?ArticleID=45
                                     and                                                                           (                                                      (
                                     student
                                     activities

Australian          People and       Web based     1999     Free students    http://www.bankers.asn.au/ABA
Bankers             Banks            teacher                     (secondary) /adminpages/AdminViewAnArti
Association                          resource                    : teachers cle.asp?ArticleID=40
                                     and                                                                           ( (                                                    (
                                     student
                                     activities

Australian          Banking on the   Publication    Not     Free students      http://www.bankers.asn.au/ABA
Bankers             Internet                       known         (secondary)   /pdf/internetbanking.pdf                                                                   (
Association                                                      ; teachers
Australian          Banks - where   web based       N/A     Free students;     http://www.bankers.asn.au/ABA
Bankers
Association
                    they fit in and
                    what they do
                                                                 teachers      /adminpages/AdminViewAnArti
                                                                               cle.asp?ArticleID=43
                                                                                                                                                                          (                                                         (
Credit Union        Wealth Creation Publication     Not     Free General       http://www.cu.net.au/presentati
Services                                           known         Public        on/channel.asp?channel=librar
Australia Limited                                                              y&subsect=publi                                                                                                    (                  (
(CUSCAL)




                                                                                                  43 of 80
Credit Union        Play Your Cards Publication       Not    Free General   http://www.cu.net.au/presentati
Services            Rights                           known        Public    on/channel.asp?channel=librar
Australia Limited                                                           y&subsect=publi                     (
(CUSCAL)

Credit Union        Buying A Car       Publication    Not    Free General   http://www.cu.net.au/presentati
Services                                             known        Public    on/channel.asp?channel=librar
Australia Limited                                                           y&subsect=publi                             (               (
(CUSCAL)

Credit Union        Keeping You     Publication       Not    Free General   http://www.cu.net.au/presentati
Services            and Your Assets                  known        Public    on/channel.asp?channel=librar
Australia Limited   Safe                                                    y&subsect=publi                                             (
(CUSCAL)

Credit Union        Credit where it's Publication     Not    Free General   http://www.cu.net.au/presentati
Services            due                              known        Public    on/channel.asp?channel=librar
Australia Limited                                                           y&subsect=publi                     (
(CUSCAL)

Credit Union        Powers of          Publication    Not    Free General   http://www.cu.net.au/presentati
Services            Attorney                         known        Public    on/channel.asp?channel=librar
Australia Limited                                                           y&subsect=publi                         (
(CUSCAL)

Credit Union        Making a Will of Publication      Not    Free General   http://www.cu.net.au/presentati
Services            Your Own                         known        Public    on/channel.asp?channel=librar
Australia Limited                                                           y&subsect=publi                         (
(CUSCAL)

Credit Union        Budgeting:         Publication    Not    Free General   http://www.cu.net.au/presentati
Services            Making It Easy                   known        Public    on/channel.asp?channel=librar
Australia Limited                                                           y&subsect=publi                   ( (
(CUSCAL)

Credit Union        The Home Key       Publication    Not    Free General   http://www.cu.net.au/presentati
Services                                             known        Public    on/channel.asp?channel=librar
Australia Limited                                                           y&subsect=publi                         (               (
(CUSCAL)

Credit Union        It's All About     Publication    Not    Free Youth     http://www.cu.net.au/presentati
Services            You(th)                          known                  on/channel.asp?channel=librar
Australia Limited                                                           y&subsect=publi                   ( (
(CUSCAL)

Credit Union        Stop that Crisis   Publication    Not    Free General   http://www.cu.net.au/presentati
Services                                             known        Public    on/channel.asp?channel=librar
Australia Limited                                                           y&subsect=publi                     (   (       (   (
(CUSCAL)




                                                                                                44 of 80
Credit Union        The Good Dosh Publication       Not    Free Youth       http://www.cu.net.au/presentati
Services                                           known                    on/channel.asp?channel=librar
Australia Limited                                                           y&subsect=publi                   ( (           ( (           (
(CUSCAL)

Credit Union        Money Matters    web based      N/A    Free General     http://www.cu.net.au/presentati
Services                                                        Public      on/channel.asp?channel=mone
Australia Limited                                                           y&subsect=main                    ( ( ( (                         (
(CUSCAL)

Financial           Six Easy Steps Publication      Not    Free General     http://www.fpa.asn.au/images/u
Planning            towards sound                  known        Public      serimages/services/sixsteps.pd
Association         Financial Advice                                        f. For a hard copy contact the          (       (     (   (
                    and Your Rights                                         FPA on 1800 337 301(all other
                    as a Consumer                                           states except NSW) or 1800
Financial           Advice Worth     Publication    Not    Free General     815 168 (NSW only)
                                                                            http://www.fpa.asn.au/images/u
Planning            Taking                         known        Public      serimages/fpa/advice.pdf. For
Association                                                                 a hard copy contact the FPA
                                                                            on 1800 337 301(all other               (
                                                                            states except NSW) or 1800
                                                                            815 168 (NSW only) or hard
                                                                            copy from FPA
Financial           Don't Kiss Your Publication     Not    Free General     http://cms.fpa.tzo.com/images/
Planning            Money Goodbye                  known        Public      userimages/dontkiss.pdf. For
Association                                                                 a hard copy contact the FPA
                                                                            on 1800 337 301(all other               (
                                                                            states except NSW) or 1800
                                                                            815 168 (NSW only)
Financial           The Trade-off:  Publication     Not    Free Investors   http://www.fpa.asn.au/images/u
Planning            Understanding                  known                    serimages/services/understand
Association         Investment Risk                                         ingrisk.pdf. For a hard copy
                                                                            contact the FPA on 1800 337                                             (
                                                                            301(all other states except
                                                                            NSW) or 1800 815 168 (NSW
                                                                            only)
Financial           Dollarsmart      CD-ROM         N/A    Free youth       http://www.fpa.asn.au/images/u
Planning                                                                    serimages/news/fpweek/dollars
Association                                                                 martworkbook.pdf. For a hard
                                                                            copy contact the FPA on 1800      ( ( ( (                             ( (
                                                                            337 301(all other states except
                                                                            NSW) or 1800 815 168 (NSW
                                                                            only)
Investment and      Education      web based        N/A    Free Investors   http://www.ifsa.com.au/IFSAWe
Financial           Corner Website                                          b/IFSAPubl.nsf/HeadingPages
Services                                                                    Display/About+Our+IndustryEd                (                           (
Association                                                                 ucation+Corner?OpenDocume
                                                                            nt




                                                                                                45 of 80
Investment and   Life Insurance    Factsheet   Mar-02   Free General     http://www.ifsa.com.au/IFSAWe
Financial        and Genetic                                 Public      b/Attach.nsf/Attachments/Publi
Services         Testing in                                              cations~Fact+Sheet~2002_031
Association      Australia                                               8_Genetic+Testing+Fact+Shee
                                                                         t/$File/2002_0318_Final+Gene
                                                                                                           (       (
                                                                         tic+Testing+Fact+Sheet.pdf or
                                                                         hard copy from IFSA (ph.02
                                                                         9299 3022)
Investment and   Life Insurance    Factsheet   Nov-03   Free General     http://www.ifsa.com.au/IFSAWe
Financial        and Hepatitis C                             Public      b/Attach.nsf/Attachments/Publi
Services         in Australia                                            cations~Fact+Sheet~2003_102
Association                                                              8_IFSA+Hep+C+Fact+Sheet/$
                                                                         File/2003_1028_IFSA+Hep+C+        (       (
                                                                         Fact+Sheetv2.pdf or hard copy
                                                                         from IFSA (ph. 02 9299 3022)

Investment and   Financial         Factsheet   Apr-03   Free General     http://www.ifsa.com.au/IFSAWe
Financial        Services                                    Public      b/attach.nsf/Attachments/Public
Services         Reform Act                                              ations~Fact+Sheet~2003_0411
Association                                                              _Fact+Sheet_FSRA%2Epdf/$F
                                                                         ile/2003_0411_Fact+Sheet_FS       (   (
                                                                         RA.pdf or hard copy from IFSA
                                                                         (ph. 02 9299 3022)

Investment and   The Facts on      Factsheet   Sep-02   Free General     http://www.ifsa.com.au/IFSAWe
Financial        Managed                                     Public      b/Attach.nsf/Attachments/Publi
Services         Investments                                             cations~Fact+Sheet~2002_090
Association      Fees                                                    9_Fees+Factsheet%2Epdf/$Fil                   (
                                                                         e/Fees+Factsheet.pdf or hard
                                                                         copy from IFSA (ph. 02 9299
                                                                         3022)
Investment and   Corporate         Factsheet   Aug-02   Free General     http://www.ifsa.com.au/IFSAWe
Financial        Governance                                  Public      b/Attach.nsf/Attachments/Publi
Services                                                                 cations~Fact+Sheet~2002_090
Association                                                              5_Corporate+Governance%2E                         (
                                                                         pdf/$File/Corporate+Governan
                                                                         ce.pdf or hard copy from IFSA
                                                                         (ph. 02 9299 3022)
Investment and   Managed           Factsheet   Jul-02   Free Investors   http://www.ifsa.com.au/IFSAWe
Financial        Investments:                                            b/Attach.nsf/Attachments/Publi
Services         Comparing                                               cations~Fact+Sheet~2002_010
Association      Investment                                              8_Comparing+Fees+%26+Cha
                 Fees and                                                rges%2Epdf/$File/2002_0108_                   (
                 Charges                                                 Comparing+Fees+&+Charges.
                                                                         pdf or hard copy from IFSA
                                                                         (ph. 02 9299 3022)




                                                                                            46 of 80
                 Managed          Factsheet     Jul-02   Free Investors   http://www.ifsa.com.au/IFSAWe
                 Investments:                                             b/Attach.nsf/Attachments/Publi
                 Spreading Your                                           cations~Fact+Sheet~2002_080
                 Investments                                              1_Spreading+your+investment
                 Around                                                   s+around%2Epdf/$File/2002_0       (       (
                                                                          801_Spreading+your+investme
                                                                          nts+around.pdf or hard copy
                                                                          from IFSA (ph. 02 9299 3022)

Investment and   Managed          Factsheet     Jul-02   Free Investors   http://www.ifsa.com.au/IFSAWe
Financial        Investments:                                             b/Attach.nsf/Attachments/Publi
Services         Riding the                                               cations~Fact+Sheet~2002_080
Association      Market                                                   1_Riding+the+Market+Rollerco
                 Rollercoaster                                            aster%2Epdf/$File/2002_0801       (       (
                                                                          _Riding+the+Market+Rollercoa
                                                                          ster.pdf or hard copy from
                                                                          IFSA (ph. 02 9299 3022)

Investment and   Managed         Factsheet      Jul-02   Free Investors   http://www.ifsa.com.au/IFSAWe
Financial        Investments:                                             b/Attach.nsf/Attachments/Publi
Services         Investment Risk                                          cations~Fact+Sheet~2002_080
Association      and Return                                               1_Investment+Risk+and+Retur
                                                                          n%2Epdf/$File/2002_0801_Inv
                                                                                                            (       (
                                                                          estment+Risk+and+Return.pdf
                                                                          or hard copy from IFSA (ph. 02
Insurance        Insuring Your    Publication    Not     Free General     9299 3022)
                                                                          http://www.ica.com.au/publicati
Council of       Vehicle                        known         Public      ons/ica_car_insurance_new.pd
Australia                                                                 f or hard copy from ICA (ph. 02       (
                                                                          9253 5100)
Insurance        Home and        web based       Not     Free General     http://www.ica.com.au/publicati
Council of
Australia
                 Contents
                 Insurance Guide
                                 factsheet      known         Public      ons/homecontentsguide.asp             (
Insurance        Do You Have      Publication    Not     Free General     http://www.ica.com.au/ica_hom
Council of       the Home and                   known         Public      e_contents.pdf or hard copy
Australia        Contents Cover                                           from ICA (ph. 02 9253 5100)           (
                 You Need?
Insurance        Flood            Publication    Not     Free General     http://www.ica.com.au/publicati
Council of       Insurance: Are                 known         Public      ons/ica_flood.pdf or hard copy
Australia        You Covered?                                             from ICA (ph. 02 9253 5100)           (
Insurance        Insurance Tips   web based      Not     Free General     http://www.ica.com.au/publicati
Council of       for Travellers   factsheet     known         Public      ons/traveltips.asp                    (
Australia
Insurance        Do You Have      Publication    Not     Free General     http://www.ica.com.au/publicati
Council of       the Small                      known         Public      ons/niba_brochure_v4.pdf or
Australia        Business                                                 hard copy from ICA (ph. 02            (
                 Insurance You                                            9253 5100)
                 Need?




                                                                                              47 of 80
Insurance            Car Safe         web based      N/A    Free General    http://www.carsafe.com.au/
Council of           Website                                     Public                                                                     (
Australia
Insurance            ICA Consumer     web based      N/A    Free General    http://www.ica.com.au/#
Council of           Help Website                                Public                                                                     (
Australia
National             Consumer         web based      N/A    Free General    http://www.niba.com.au/niba/ht
Insurance            Advice Website                              Public     ml/Consumer_advice.cfm
Brokers                                                                                                                                     (
Association
Association of       ASFA Website     web based      N/A    Free General    http://www.asfa.asn.au/home/rp
Superannuation                                                   Public     m.cfm?page=main
Funds of Australia                                                                                                                      (
Association of     Super Decisions Publication       Not    Free General    http://www.asfa.asn.au/super/a
Superannuation                                      known        Public     sic_SuperDecisions.pdf
Funds of Australia                                                                                                                      (
CPA Australia        TelAll:          Video; CD-    2003    Free Students   Contact CPA Australia. For
(R. Craig, A.        Introductory     ROM                                   more details on how to contact
Malley, R.           Accounting                                             CPA Australia, see                                                  (
Mladenovic & J.      Educational                                            http://www.cpaaustralia.com.au
Tyler)               Video Series                                           /global/contact/contact.asp
Australian           Privacy and      Publication    Not    Free General    http://www.afc.asn.au/afc_info/
Finance              Your Lender                    known        Public     default.htm                                     (
Conference
Mortgage             MIAA Consumer web based         N/A    Free General    http://www.miaa.com.au/MIAA.
Industry             Services website                            Public     787654:STANDARD:39704325
Association of                                                              6:CONSERV.htm                         (
Australia
Australian and       Insurance is     Publication   1996    Free Students   on request from ANZIIF (ph:
New Zealand          Everyone's                                             (02) 9247 1141)
Institute of         Business                                                                                                           ( (
Insurance and
Finance
Australian and       Take Cover       Publication   1998    Free Students   on request from ANZIIF (ph:
New Zealand                                                                 (02) 9247 1141)
Institute of                                                                                                  (       ( (               ( ( (
Insurance and
Finance
Housing Industry     website          web based      N/A    Free General    www.buildingonline.com.au
Association                                                      Public                                                                     (
Real Estate          website -        web based      N/A    Free General    www.reiaustralia.com.au/consu
Institute of         consumer                                    Public     mer/index.asp                                   (   (   (
Australia            information
Real Estate          Buying a         publication    N/A    Free General    http://www.reinsw.com.au/rei/re
Institute of NSW     Property                                    Public     ihome.nsf
                     (REINSW                                                                                                    (   (
                     Factsheet)




                                                                                               48 of 80
Real Estate          Buying an         publication   N/A   Free General   http://www.reinsw.com.au/rei/re
Institute of NSW     investment                                 Public    ihome.nsf
                     property                                                                                (   (   (   (
                     (REINSW
                     Factsheet)
Real Estate          website           web based     N/A   Free General   http://www.reiq.com.au
Institute of                                                    Public                                       (   (   (   (
Queensland
Real Estate          website           web based     N/A   Free General   http://www.reit.com.au
Institute of                                                    Public                                               (
Tasmania
Real Estate          A Guide to        publication   N/A   Free General   http://www.reit.com.au/public/b
Institute of         Buying                                     Public    uying/aguidetobuying.pdf               (   (   (
Tasmania
Real Estate          website           web based     N/A   Free General   http://www.reisa.com.au
Institute of South                                              Public                                               (
Australia
Real Estate          Stamp Duty        publication   N/A   Free General   Download from website
Institute of South   Fees                                       Public    http://www.reisa.com.au                (
Australia
Real Estate          website           web based     N/A   Free General   http://www.reiact.com.au
Institute of the                                                Public                                               (
ACT
Real Estate          mortgage          web based     N/A   Free General   http://reint.predelegation.com/d
Institute of         calculator                                 Public    efault.cfm?mjc=visitor                     (
Northern Territory
Real Estate          A Guide to        Publication   N/A   Free General   http://www.reiv.com.au/informat
Institute of         Buying Your                                Public    ion/pg_info_buy.html                       (
Victoria             Home
Real Estate          Calculators       web based     N/A   Free General   http://www.reiv.com.au/informat
Institute of         (stamp duty and                            Public    ion/pg_info_calc.html                  (   (
Victoria             home loan)
Real Estate          Information       telephone     N/A   Free General   (03) 9205 6677 Monday to
Institute of         Service           service                  Public    Friday (9am-4pm)                           (
Victoria
Real Estate          website           web based     N/A   Free General   http://www.reiwa.com.au
Institute of WA                                                 Public                                               (




                                                                                              49 of 80
                                                                      Industry Participants




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                                                                                                                                                               Topic
AMP Bank     web site       web based            N/A      Free      general public http://www.amp.com.au
                                                                                                                               ( (                             (
AMP Bank     Beacon         project              1995   Not Known students         http://www.beaconfound
             Foundation -                                         (year 10)        ation.net/ &
             No DOLE                                                               http://www.amp.com.au/
             project                                                               au/3column/0,2338,CH4
                                                                                   886%255FNI12761%25
                                                                                   5FCT5%255FCI25319                           (           (
                                                                                   %255FSI56,00.html?via
                                                                                   =AMPAULeftNav.
                                                                                   Available in high
                                                                                   schools throughout the
                                                                                   country.
AMP Bank     Social         Project (with the    2001   Not known   general public http://www.amp.com.au/
             Ventures       Smith Family, the                                      au/3column/0,2338,CH4
             Australia      Benevolent                                             886%255FNI9981%255
                            Society &                                              FCT5%255FCI14036%
                            WorkVentures).                                         255FSI56,00.html?via=
                            Supports people or                                     AMPAULeftNav.
                            "social                                                Designated web site:
                            entrepreneurs"                                         http://www.socialventure
                            with ideas that                                        s.com.au/home.asp
                            deliver innovative
                            solutions. SVA                                                                                     (
                            provides these
                            people with
                            resources such as
                            educational
                            material,
                            workshops,
                            business
                            mentoring, and
                            where possible




                                                                                         50 of 80
AMP Bank     Youth of the   project (registered   Nov 2003 -    Free   general          General Enquiries:
             Streets        charity)                 AMP               public (low      info@youthoffthestreets
                                                   launches            income)          .com.au or call 2 9721
                                                  partnership                           5700. See web site:
                                                   with YOTS                            http://www.youthoffthest    (   (
                                                                                        reets.com.au/index.html


AMP/NATSEM   Generation     publication             Nov-03      Free   general          http://www.amp.com.au/
             Xcluded                                                   public           display/file/0,2461,FI168
                                                                       (specifically,   40%255FSI56,00.pdf?fil
                                                                       Generation       ename=natsem%5Fissu         (
                                                                       X, ie: born      e6%2Epdf
                                                                       between
                                                                       1961 & 1976)
AMP/NATSEM   You Can't      publication             Jun-03      Free   general          http://www.amp.com.au/
             Rely on the                                               public           display/file/0,2461,FI622
             old folks'                                                (specifically    7%5FSI56,00.pdf?filena
             money                                                     baby             me=natsem%5Fissue5
                                                                       boomers, ie:     %2Epdf                      (
                                                                       born in the
                                                                       post-WWII
                                                                       period until
                                                                       1961)
AMP/NATSEM   Does Your      publication             Mar-03      Free   general public   Download pdf file from
             Wealth                                                                     http://www.amp.com.au/
             Depend on                                                                  au/3column/0,2338,CH5       (           (
             Good Health                                                                307%255FSI56,00.html

AMP/NATSEM   The Cost of    publication             Oct-02      Free   general          Download pdf file from:
             Children                                                  public           http://www.amp.com.au/
                                                                       (specifically    au/3column/0,2338,CH5
                                                                       consumers        306%255FSI56,00.html        (
                                                                       considering
                                                                       having
                                                                       children)
AMP/NATSEM   Live Long      publication             Jun-02      Free   retirees;        Dowload pdf from
             and Prosper                                               seniors          http://www.amp.com.au/
                                                                                        au/3column/0,2338,CH5       (   (   (
                                                                                        305%255FSI56,00.html

AMP/NATSEM   The lump       publication             Mar-04      Free   retirees         http://www.amp.com.au/
             sum: here                                                                  display/file/0,2461,FI207
             today gone                                                                 37%5FSI56,00.pdf?filen      (   (   (
             tomorrow                                                                   ame=natsem%5Fissue7
                                                                                        %2Epdf




                                                                                              51 of 80
AMP/NATSEM   Connections   web based & email        N/A          Free      general public http://www.amp.com.au/
             Online        newsletter                                                     au/connections/home/0,
                                                                                          2727,CH3669%255FNI
                                                                                          10872%255FSI56,00.ht              (
                                                                                          ml?via=AMPAULeftNav

ANZ          web site      web based                N/A          Free      general public http://www.anz.com.au
                                                                                                                      ( ( ( (           (       ( (
ANZ          Kickstart     publication              N/A          Free      general public http://www.anz.com/aus/
             Your
             Financial
                                                                                          aboutanz/community/Pr
                                                                                          ograms/finlit.asp. Also
                                                                                                                      ( ( ( (   (           (     (
ANZ          Fitness
             Saver Plus    project with the         Pilot      Not known   general        available from ANZ
                                                                                          NSW & Victoria. For
                           Brotherhood of St     launched                  public (low      more details, contact
                           Laurence              July 2003                 income)          Patricia Toohey, Head
                                                                                            of Group Community        (     (
                                                                                            Relations, (03) 9273
                                                                                            6871 or via email:
                                                                                            tooheyp@anz.com
ANZ          Credit        telephone service       1994          Free      debtors          Victoria: Metro 03
             HelpLine      provided by a not-                                               9602 3800; Regional:
                           for-profit                                                             1800 803 800        (     (
                           organisation
                           sponsored by ANZ
ANZ          A Guide to    web based                N/A          Free      general public http://www.howcreditwor
             Credit                                                                       ks.com.au/Default.asp       ( ( (
ANZ          MoneyMinded program                  Launch         Free      general          For more details,
                                                date TBA -                 public (low      contact Patricia
                                                   likely                  income)          Toohey, Head of Group
                                                  second                                    Community Relations,      ( ( (     (   (
                                                half of 2004                                (03) 9273 6871 or via
                                                                                            email:
                                                                                            tooheyp@anz.com
ANZ          Home          web based                N/A          Free      general          http://www.anz.com/aus/
             Essentials    magazine                                        public           promo/HomeEssentials
                                                                           (specifically,   012/
                                                                           consumers                                      ( (   (
                                                                           considering
                                                                           buying a
                                                                           home)
ANZ          Running My    web based                N/A          Free      small            http://runningmybusines
             Business                                                      business         s.anz.com/                          (           (




                                                                                                  52 of 80
ANZ            Community       program              Jul-03   Free   general public Rural and regional
               Financial                                                           Victoria & South
               Education                                                           Australia. For more
               Program                                                             details, contact Patricia
                                                                                   Toohey, Head of Group                     (
                                                                                   Community Relations,
                                                                                   (03) 9273 6871 or via
                                                                                   email:
                                                                                   tooheyp@anz.com
ANZ            Understandin publication              N/A     Free   general public http://www.anz.com/doc
               g Credit Card                                                       uments/au/cc/CC_Unde            ( (
               Interest                                                            rstandingInterest.pdf
ANZ            How Credit    publication             N/A     Free   general public Download from
               Cards Work                                                          http://www.anz.com/aus/
                                                                                   aboutanz/community/Pr           (
                                                                                   ograms/finlit.asp
ANZ            2004 Buying     seminars             2004     Free   general        http://www.anz.com/aus/
               a Home                                               public         promo/homebuyingsemi
               Seminar                                              (Melbourne) nar/                                               (
               Series
Bendigo Bank   Loan            web based             N/A     Free   debtors        http://www.bendigobank
               Calculators                                                         .com.au/public/                 (               (
Citibank       web site        web based             N/A     Free   general public http://www.citibank.com.
                                                                                   au                              ( ( (         ( ( (
Citibank       Finance First   project with YMCA     N/A     Free   families with Pilot programs in 15
                                                                    children       schools about to be
                                                                    (primary       commenced:
                                                                    school age)    MakingCents. A
                                                                                   program called Even
                                                                                   Start will be launched
                                                                                   for adults. For more        (       (
                                                                                   details see
                                                                                   http://www.citigroup.com
                                                                                   .au/Citigroup/Dyn/Conte
                                                                                   nt/about/community/fina
                                                                                   ncefirst.html.
Commonwealth Dollars and       web based             N/A     Free   students;      http://www.dollarsandse
Bank         sense                                                  teachers       nse.com.au/index.cfm        ( ( ( ( ( (   ( ( ( ( ( (
Commonwealth Handling          publication           N/A     Free   general public Available from
Bank         Your Credit                                                           Commonwealth Bank               (
             Card                                                                  branches
Commonwealth Seniors           program (training,    N/A     Free   seniors;       The Learning Centre is
Bank (with   Online            workshops)                           retirees       located at 280 Pitt
NSW COTA)    Learning                                                              Street, Sydney                            (
             Centre




                                                                                          53 of 80
Commonwealth Banking       seminars             N/A     Free      seniors;        Seminars can be
Bank         Made Easy                                            retirees        booked by phoning
             for Older                                                            1800 003 797                            (
             Persons
             Program
Commonwealth CBA           web based            N/A     Free      youth (under    http://www.commbank.c
Bank         Dollarmites                                          ten years of    om.au/Dollarmites/          (     (     (
                                                                  age)
Commonwealth CBA Rule      web based            N/A     Free      youth (10-13    http://www.commbank.c
Bank                                                              years of age)   om.au/Rule/                 (     (     (
Commonwealth e-Learning    grant program        N/A   Not known   students        See for details:
Bank         Grants                                               (primary)       http://www.commbank.c       (     (
                                                                                  om.au/foundation/
Commonwealth Maths and     program              N/A   Not known   students        Daily show offered at
Bank         Money Show                                           (primary)       the Scitech Discovery
                                                                                  Centre [First Floor, City
                                                                                  West
                                                                                  cnr Sutherland St &
                                                                                  Railway Pde                       (
                                                                                  West Perth, Western
                                                                                  Australia, ph: (08) 9481
                                                                                  6295


Commonwealth Creating    3 day forum (with      N/A   Not known   youth           For more details:
Bank         Common      FACS)                                                    http://www.thesource.go
             Wealth -                                                             v.au/creating_common_
             Youth                                                                wealth/                           (
             Enterprise
             Development
             Forum
Commonwealth Girl$avvy   one day workshop       N/A   Not known   women           For more details:
Bank                                                                              http://www.women.nsw.             (
                                                                                  gov.au/girl/sav.html
HSBC (with     HSBCkids    financial literacy   N/A   Not known   youth           http://bne380d.server-
Barnardos)                 program (based on                                      web.com/barnardos.org.
                           the Barnardos Kids                                     au/HSBCkids/html/index
                           Friends mentoring                                      2.cfm                       (     (
                           and tutoring
                           programs)
Macquarie Bank web site    web based            N/A     Free      general public http://personal.macquari
                                                                                 e.com.au/personal/pers           ( ( (       (   (
                                                                                 onal_home.htm
NAB            Planning    web based            N/A     Free      general public http://www.national.com.
               Tools                                                             au/Personal_Finance/0,       ( ( ( (     ( ( (   (
St George      web site    web based            N/A     Free      general public ,2,00.html
                                                                                 http://www.stgeorge.co
                                                                                 m.au                             (       (
Suncorp        web site    web based            N/A     Free      general public http://www.suncorp.com
                                                                                 .au                              (       (



                                                                                        54 of 80
Westpac         web site       web based          N/A      Free      general public http://www.westpac.com
                                                                                    .au                               ( (                   (     (       (
Westpac         Maximising   program              N/A    Not known   small          http://www.westpac.com
                Performance                                          business; not .au/internet/publish.nsf/
                Through                                              for profit     Content/WIWCNM+Skill
                Effective                                                           s+development                     (
                Financial
                Management:
Westpac         Indigenous   program              N/A    Not known   indigenous;    http://www.westpac.com
                Enterprise                                           small          .au/internet/publish.nsf/
                Partnerships                                         business       Content/WIWCII+Enter        (     (
                                                                                    prise+Partnerships
AAMI            web site       web based          N/A      Free      general public http://www.aami.com.au
                                                                                                                                    (
Zurich          web site       web based          N/A      Free      general public http://www.zurich.com.a
                                                                                    u                                 ( (       (                 ( ( (
Allianz         web site       web based          N/A      Free      general public http://www.allianz.com.a
                                                                                    u                                               (
ING Australia   web site       web based          N/A      Free      general public http://www.ing.com.au/p
Holdings Ltd                                                                        ublic/public_2922.asp                           (
AXA Australia   web site -     web based          N/A      Free      general public http://www.axa.com.au/
                Answer                                                              axa/axaaustralia.nsf/Co         ( ( (       (       (         (
                Centre                                                              ntent/Answer+Centre
AXA Australia   web site -     web based          N/A      Free      general public http://www.axa.com.au
                calculators
                for budget
                planning;
                home loans;
                and                                                                                                                     (       ( (
                calculating
                the cost of
                your child's
                education
SGIO (IAG)      Eagles Rock    program            2004     Free      students       For more information,
with West       my School                                            (primary)      contact Deanne
Coast Eagles                                                         (WA)           Raseta, Corporate
Football Club                                                                       Affairs Manager, SGIO,      (
                                                                                                (08) 9264
                                                                                    2729
SGIO (IAG)      Eagles Rock    publication        2004     Free      students       For more information,
with West       my School      (associated with                      (primary)      contact Deanne
Coast Eagles                   program)                              (WA)           Raseta, Corporate           (     (
Football Club                                                                       Affairs Manager, SGIO,
                                                                                           (08) 9264 2730
IAG           Learn            web site           TBA      Free      students       URL TBA
              Insurance                                                                                               (                               (
CGU Insurance web site         web based          N/A                general public http://www.cgu.com.au/s
Ltd (IAG)                                                                           ervices/code.shtml                      (




                                                                                           55 of 80
NRMA (IAG)       web site         web based      N/A     Free   general public http://www.nrma.com.au
                 (home                                                         /pub/nrma/home/homec
                 insurance                                                     alculators.shtml                                         (
                 calculators)
Cannex           web site -       web based      N/A     Free   general          http://www.cannex.com.
                 page on                                        public; small    au                         (     (                         (
                 interest rates                                 business
Infochoice       web site         web based      N/A     Free   general          http://www.infochoice.co
                                                                public           m.au
                                                                (regional and                               (     (       ( (   (           ( (
                                                                rural areas)
Baycorp          web site         web based      N/A     Free   general public http://www.baycorp.com
                                                                               .au                          ( (
Dun &           web site -    web based          N/A     Free   general public https://secure.dnb.com.
Bradstreet      consumer                                                       au/ccb/login.aspx?Coun       (         (
                credit bureau                                                  try=AUS
IPAC Securities web site -    web based          N/A     Free   general public http://www.ipac.com.au
                Money tips
                with Paul                                                                                   ( ( (                   (       (
                Clitheroe
IPAC Securities IPAC          publication       Dec-03   Free   general public http://www.ipac.com.au/i
                Explains -                                                     pac/ipac.nsf/Attachment
                capital gains                                                  sByTitle/Explain_Capital
                                                                               GainsTax.pdf/$FILE/Ex                        (               (
                                                                               plain_CapitalGainsTax.
                                                                               pdf
IPAC Securities IPAC              publication   Dec-03   Free   General          http://www.ipac.com.au/i
                Explains -                                      public           pac/ipac.nsf/Attachment
                dollar cost                                                      sByTitle/Explain_Dollar
                averaging                                                        CostAveraging.pdf/$FIL           (
                                                                                 E/Explain_DollarCostAv
                                                                                 eraging.pdf
IPAC Securities IPAC              publication   Dec-03   Free   General          http://www.ipac.com.au/i
                Explains -                                      public           pac/ipac.nsf/Attachment
                gearing                                                          sByTitle/Explain_Gearin          (         (
                                                                                 g.pdf/$FILE/Explain_Ge
                                                                                 aring.pdf
IPAC Securities IPAC              publication   Dec-03   Free   General          http://www.ipac.com.au/i
                Explains -                                      Public           pac/ipac.nsf/Attachment
                Government                                                       sByTitle/Explain_Gover
                Co-
                contribution
                                                                                 nmentCocontribution.pd
                                                                                 f/$FILE/Explain_Govern
                                                                                                                            (       (
                                                                                 mentCocontribution.pdf




                                                                                       56 of 80
IPAC Securities IPAC           publication         Dec-03   Free   General       http://www.ipac.com.au/i
                Explains -                                         public        pac/ipac.nsf/Attachment
                Has the                                                          sByTitle/Explain_World
                World                                                            Change.pdf/$FILE/Expl          (               (
                Changed for                                                      ain_WorldChange.pdf
                Investors
IPAC Securities IPAC           publication (NSW)   Dec-03   Free   General      http://www.ipac.com.au/i
                Explains -                                         public (NSW) pac/ipac.nsf/Attachment
                Land Tax                                                        sByTitle/Explain_LandT              (           (
                                                                                ax.pdf/$FILE/Explain_L
                                                                                andTtax.pdf
IPAC Securities IPAC           publication         Dec-03   Free   retirees     http://www.ipac.com.au/i
                Explains -                                                      pac/ipac.nsf/Attachment
                Reasonable                                                      sByTitle/Explain_RBL.p              (       (
                Benefit Limits                                                  df/$FILE/Explain_RBL.p
                                                                                df
IPAC Securities IPAC           publication         Dec-03   Free   retirees     http://www.ipac.com.au/i
                Explains -                                                      pac/ipac.nsf/Attachment
                Reverse                                                         sByTitle/Explain_Revers
                Mortgages                                                       eMortgage.pdf/$FILE/Ex      (           (
                                                                                plain_ReverseMortage.
                                                                                pdf
IPAC Securities IPAC           publication         Dec-03   Free   General      http://www.ipac.com.au/i
                Explains -                                         public       pac/ipac.nsf/Attachment
                Salary                                                          sByTitle/Explain_Salary
                Sacrificing                                                     Sacrificing.pdf/$FILE/Ex            (       (
                                                                                plain_SalarySacrificing.
                                                                                pdf
IPAC Securities IPAC         publication           Dec-03   Free   general      http://www.ipac.com.au/i
                Explains -                                         public (high pac/ipac.nsf/Attachment
                Superannuati                                       income       sByTitle/Explain_Super
                on Surcharge                                       earners)     Surcharge.pdf/$FILE/Ex              (       (
                                                                                plain_SuperSurcharge.p
                                                                                df
IPAC Securities IPAC         publication           Dec-03   Free   retrenched   http://www.ipac.com.au/i
                Explains -                                                      pac/ipac.nsf/Attachment
                Tax Paid on                                                     sByTitle/Explain_Taxonr
                Retrenchment                                                    etrenchment.pdf/$FILE/              (
                                                                                Explain_TaxonRetrench
                                                                                ment.pdf
IPAC Securities IPAC           publication         Dec-03   Free   general      http://www.ipac.com.au/i
                Explains -                                         public (high pac/ipac.nsf/Attachment
                Termination                                        income       sByTitle/Explain_Termin
                Payment                                            earners;     ationSurcharge.pdf/$FIL             (
                Surcharge                                          retrenched)  E/Explain_Termination+
                                                                                Payments+Surcharge.p
                                                                                df




                                                                                       57 of 80
IPAC Securities Budget         web based (excel       N/A           Free        General   http://www.ipac.com.au/i
                Planner        spreadsheet that                                 Public    pac/ipac.nsf/Attachment
                               can be                                                     sByTitle/publication_onli
                               downloaded)                                                nebudgetplanner.xls/$FI     (
                                                                                          LE/publication_onlinebu
                                                                                          dgetplanner.xls

IPAC Securities Infopac        publication         Not known        Free        General   Latest edition:
                                                                                Public    http://www.ipac.com.au/i
                                                                                          pac/ipac.nsf/Attachment
                                                                                          sByTitle/publication_Info       ( (           (
                                                                                          pac.pdf/$FILE/infopac+
                                                                                          May+2003+A4..pdf

IPAC Securities Tales with a   publication         Not known        Free        General   http://www.ipac.com.au/i
                Difference                                                      public    pac/ipac.nsf/Attachment
                                                                                          sByTitle/publication_Tal
                                                                                          esdifference.pdf/$FILE/         ( (           (
                                                                                          publication_Talesdiffere
                                                                                          nce.pdf
IPAC Securities Seminar &      seminars            Seminars         Free        General   For more information,
                Events                              held at                     public    contact:
                                                     IPAC                                 events@ipac.com.au
                                                   offices in
                                                    Sydney,                                                               ( (           (
                                                   Melbourne,

                                                   Parramatta
VISA Asia        myMoney       web based               Perth
                                                     & N/A          Free        General   http://www.mymoneyskill
Pacific          Skills                                                         public    s.com/visa/ap/index.sht     ( ( (     (
                                                                                          ml
MYF (Manager     MYF           computer software   Not known    $198. Free      General   Buy from web site:
Your Finances)                                                  trial version   public    http://www.myf.com.au
                                                                     also                                                 (
                                                                  available
Quicken          Quicken       computer software      2004                      General   Buy from web site:
                 Personal                                                       public    http://www.quicken.com.         (
                 2004                                                                     au
Quicken          Quicken       computer software      2004          $75         General   Buy from web site:
                 Personal                                                       public    http://www.quicken.com.         (
                 Plus 2004                                                                au
Quicken          Insurance     web based           Not known        Free        General   http://www.quicken.com.
                                                                                public    au/personalFinance/Ins          (         (
                                                                                          urance/default.aspx




                                                                                                58 of 80
Quicken        Market        web based            Not known Casual       Investors     http://www.investorweb.
               Monitor                                      Membership                 com.au/marketmonitor/
                                                            is free.
                                                            Greater
                                                            access is
                                                            offered with
                                                            Diamond
                                                            Membership.                                                       (
                                                              Costs
                                                            charged on
                                                            monthly, 6
                                                            monthly or
                                                            annual basis
                                                            and range
                                                            between
Bankstown City Modern        seminar to the         2004      Not Known males (50+     Contact Bankstown City
Credit Union   Banking       "Just for Older
                             Men group"
                                                                         age group)    Credit Union, ph: (02)
                                                                                       9796 8966
                                                                                                                          (
Berrima District workshops on program               2004     Not Known students        Contact Berrima District
Credit Union     money skills                                          (primary and    Credit Union, ph: (02)
                                                                       secondary;      4860 4000
                                                                       NSW -
                                                                       southern
                                                                                                                  ( ( (
                                                                       highlands
                                                                       and
CPS Credit     Online        seminars               N/A      Not known tablelands)
                                                                       general         Training sessions
Union (with    Banking                                                   public        currently run at
Ngapartji      Made Easy                                                 (Adelaide,    Ngapartji Multimedia
Multimedia                                                               SA)           Centre, 211 Rundle                 (
Centre)                                                                                Street, Adelaide, ph:
                                                                                       (08) 8235 4001
Fitzroy &      Budget officer program               N/A     $10 monthly general        One on one
Carlton                                                          fee    public (low    consultation. For more
Community                                                               income)        information, contact
Credit Co-op                                                                           Greg Fisher, General       ( ( (
                                                                                       Manager, ph: (03) 9419
                                                                                       4533
Queenslanders Personal       seminars (targeted     N/A         Free    general public For more information,
Credit Union  Better         towards specific                                          contact Graham
              Budgeting      age groups)                                               Lancaster, Sales and
                                                                                       Marketing Manager,         ( ( (
                                                                                       Queenslanders Credit
                                                                                       Union, ph. (07) 3218
                                                                                       7240




                                                                                             59 of 80
WAW Credit      Buck's Big    publication   Not known   Not known   youth          For more information,
Union Co-       Adventure                                                          contact Simon
operative                                                                          McCormick, WAW
                                                                                   Credit Union, ph (02)
                                                                                   6022 8433 or via email:
                                                                                                               (       (
                                                                                   smccormick@wawcu.co
                                                                                   m.au
Southern Cross Super Savers publication       N/A       Not known   youth          http://www.sccu.com.au/
Credit Union   Newsletter                                                                                      (       (
First Nations   web site (incl. web based     N/A       Not known   indigenous     http://www.firstnations.c
Advantage       savings and                                                        om.au/Tips_Advice/defa
Credit Union    loans                                                              ult.asp                     ( ( (       (
                calculators)
First Nations   My Moola - A publication    Not known     Free      indigenous     http://www.firstnations.c
Advantage       Quick Guide                                                        om.au/Tips_Advice/pdf/
Credit Union    to Managing                                                        MyMoola_Money.pdf           (       (
                Your Money

First Nations   My Moola - A publication    Not known     Free      indigenous     http://www.firstnations.c
Advantage       Quick Guide                                                        om.au/Tips_Advice/pdf/
Credit Union    to Savings                                                         MyMoola_Savings.pdfht
                                                                                   tp://www.firstnations.co    (
                                                                                   m.au/Tips_Advice/pdf/M
                                                                                   yMoola_Savings.pdf
Aussie Home     web site      web based       N/A         Free      general public http://www.aussiehomel
Loans                                                                              oans.com.au/                ( ( (       (
Aims Home       web site -     web based      N/A         Free      general public http://www.aimsloans.co
Loans           page on                                                            m.au/buttons/firsthomeb
                information                                                        uyers.htm                   ( ( (       (
                for first home
                buyers
Mortgage        web site -     web based      N/A         Free      general public http://www.mortgagecho
Choice          calculators                                                        ice.com.au/calculators.a        (       (
                                                                                   spx
RAMS Home       web site      web based       N/A         Free      general public http://www.rams.com.au
Loans                                                                              /ToolsTips/Home.asp             ( (     (   (
eChoice         web site      web based       N/A         Free      general public https://www.echoice.co
                                                                                   m.au/servlet/HLFrontPa          ( (     (   (
                                                                                   ge
Wizard home    web site       web based       N/A         Free      general public http://www.wizard.com.a
loans                                                                              u/                                      (
Dataworks/Easy Easy2Learn:    CD Rom          N/A        $69.95     students (6- Available from various
2Learn         Money &                                              12 years of    sources including
               Shopping,                                            age)           http://www.curriculum.e     (
               Ages 6 to 12                                                        du.au/catalogue




                                                                                          60 of 80
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Telecommunications Industry     website               web based                 N/A   Free General public   http://www.tio.com.au/
Ombudsman                                                                                                                                                                (                            (            (     (     (
Telecommunications Industry     Information for    Publication (Factsheet) Not   Free Small business        http://www.tio.com.au/policies/Compensat
Ombudsman                       Consumers:                                 known                            ion/comp.PDF
                                Compensation                                                                                                                                                                       (           (
                                Claims for Loss of
                                Business
Telecommunications Industry     Information for    Publication (Factsheet) Not   Free General public        http://www.tio.com.au/publications/repeat
Ombudsman                       Consumers:                                 known                            dial.pdf
                                Internet Repeat                                                                                                                          (
                                Dialling
Telecommunications Industry     Information for    Publication (Factsheet) Not   Free General public        http://www.tio.com.au/publications/Broadb
Ombudsman                       Consumers:                                 known                            andFactSheet.pdf
                                Broadband Internet                                                                                                                                      (             (
Telecommunications Industry     TIO Information       Publication (Reference Not   Free General public      http://www.tio.com.au/publications/other_
Ombudsman                       Guide                 Card)                  known                          publications/documents/TIO%20informati                                                    (                  (     (
                                                                                                            on.xps.pdf
Telecommunications Industry     Introducing the TIO Publication (brochure)      Not  Free General public    http://www.tio.com.au/publications/other_
Ombudsman                                                                      known                        publications/documents/Introducing%20th                                                   (                  (     (
                                                                                                            e%20TIO.pdf
Telecommunications Industry     The TIO and           Publication (brochure)    Not  Free General public    http://www.tio.com.au/publications/other_
Ombudsman                       Alternative Dispute                            known                        publications/documents/ADR%20Brochur                                                      (                  (     (
                                Resolution                                                                  e.pdf
Telecommunications Industry     Jurisdiction of the   Publication (brochure)    Not  Free general public    http://www.tio.com.au/publications/other_
Ombudsman                       TIO Scheme                                     known                        publications/documents/Jurisdiction.pdf                                                   (                  (     (
Australian Mobile              website                web based                 N/A   Free General public   http://www.amta.org.au/
Telecommunications Association                                                                                                                           (               (              (             (                  (
(AMTA)
Optus                          website                web based                 N/A   Free General public   http://www.optus.com.au/
                                                                                                                                                                                                                               (
Telstra                         website               web based                 N/A   Free General public   http://www.telstra.com.au/
                                                                                                                                                                                                                               (
Orange (brand licensed to       website               web based                 N/A   Free General public   http://www.orange.net.au/
Hutchison Telecommunications)                                                                                                                                                                                                  (
Virgin                          website               web based                 N/A   Free General public   http://www.virgin.com.au/
                                                                                                                                                                                                      (                  (
AAPT                            website               web based                 N/A   Free General public   http://www.aapt.com.au/
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                                                                                                                                                                                                                                        home
Burton G. Malkiel;  The " Random          Book       30-Sep-03   $37.95 investors   Book store
W.W. Norton & Co. Walk" Guide to
                    Investing: Ten                                                                                                                              (                                                               (                                                 (
                    Rules for Financial
                    Success
Burton G. Malkiel;  Random Walk           book       Not Known $49.95 investors     Book store
W.W. Norton & Co. Down Wall Street:
                    The time-tested
                    strategy for                                                                                                                                (                                                                                                                 (
                    successful
                    investing (revised
                    and updated)
Anthony Hughes,     Masters of the        Book       30-Nov-03   $29.95 Investors   Book store
Geoff Wilson,       Markets
Matthew Kidman;                                                                                                                                                 (
John Wiley & Sons
Australia
Barrie Dunstan;     New Art of            Book       31-Oct-03   $29.95 Investors   Book store
John Wiley & Sons Investment                                                                                                                                    (                                                               (                                                 (             (
Australia
Robert Schiller;    The New Financial     Book       Apr-03      $35.00 Investors   Book store
Scribe Publications Order                                                                                                                                       (                                                                                                                               (
Louise Bedford;     Charting Secrets:     Book       31-Mar-04   $39.95 Investors   Book store
John Wiley & Sons Stop Reading Start                                                                                                                            (
Australia           Practicing
Martin Roth; John   Top Stocks 2004       book       31-Oct-03   $29.95 Investors   Book store
Wiley & Sons                                                                                                                                                    (                                                                                                                 (
Australia
James Kirby; John Investing for           book       Not Known $39.95 investors     Book store
Wiley & Sons        dummies                                                                                                                                     (                                                                                                                 (
Australia
Topham; John        The Sensible          book       31-Dec-03   $29.95 Investors   Book store
Wiley & Sons        Investor:
Australia           Demystifying                                                                                                                                (                                                                                                                 (
                    Portfolio
                    Management




                                                                                              63 of 80
Harrison; John      Australian            book   15-Jan-03   $24.95 Investors     Book store
Wiley & Sons        Investors'                                                                        (                   (
                    Dictionary
Linda Fischer;      Blake's Go Guide      book   15-Jan-03    $9.95   Investors   Book store
Pascal Press        Investing in Shares                                                               (                   (
Chris Lavers; John Australia's Top 100    book   31-Jan-04   $29.95 Investors     Book store
Wiley & Sons        Managed Funds                                                                     (
Australia           2004
James Dunn; John Share Investing for      book   Not Known $39.95 investors       Book store
Wiley & Sons        Dummies                                                                           (                   (
Kinsky; John Wiley Teach Yourself         book   31-Oct-03   $24.95 investors     Book store
& Sons              About Shares                                                                      (                   (
David West;         But why Me?:          book   31-Oct-03   $20.00 retrenched Book store
CHOICE Books        Facing up to and
                    Copying with                                                                          (   (   (   (
                    Redundancy
Robert R. Prechter; Conquer the           book   12-Dec-03   $38.95 Investors     Book store
John Wiley & Sons Crash: You can
                    Survive and
                    Prosper in a                                                                      (                   (
                    Deflationary
                    Depression
Leon Levy &         The Mind of Wall      book   5-Nov-02    $26.00 Investors     Book store
Eugene Linden;      Street: A
PublicAffairs       Legendary
                    Financier on the                                                                  (                   (
                    Perils of Greed
                    and the Mysteries
                    of the Market
Anita Bell; Random Your Sharemarket       book   30-Jun-03    $8.95   Investors   Book store
House Australia     Jargon Explained:
                    Tricks, Traps and                                                                 (                   (   (
                    Insider Hints
Edna Carew; Allen The Language of         book   1-Feb-96    $39.95 general       Book store
& Unwin (Australia) Money 3                                         public
                    (Reissued &                                                                       (                   (   (
                    Revised)
Alexander Elder;    Trading for a         book   1-Feb-96    $123.95 Investors    Book store
John Wiley & Sons Living: Philosophy,
                    Trading Tactics,
                    Money                                                                             (                   (
                    Management

Mary Buffet &        The New              book   1997        $29.95 Investors     Book store
David Clark; Simon   Buffetology                                                                      (                   (   (
& Schuster
Jeffrey Little;      Understanding        book   Not Known    27.95   Investors   Book store
McGraw-Hill          Wall Street                                                                      (                   (   (
Education - Europe




                                                                                           64 of 80
P.Temple; John         Magic Numbers for   book   Not Known   49.95   Investors   Book store
Wiley & Sons           Stock Investors:
                       How to calculate
                       the 25 key ratios                                                              (       (
                       for investing
                       success
Phillip Fisher; John   Common stocks       book   Not Known   32.95   Investors   Book store
Wiley & Sons           and Uncommon
                       profits and other                                                              (   (   (
                       writings
Robert Miles; John     The Warren Buffet   book   Not Known   28.95   Investors   Book store
Wiley & Sons           CEO: Secrets from
                       the Berkshire                                                                  (   (   (
                       Hathaway
                       Managers
Jack D Schwager;       Stock Market        book   26-Feb-03   32.95   Investors   Book store
HarperCollins          Wizards                                                                            (   (
Publishers
Robert Heller;         Business            book   28-May-00    25     Investors   Book store
Penguin Books          Masterminds:
series "Business       Warren Buffet                                                                  (   (   (
Masterminds"
Brad Booth; John       Options in a        book   Not Known   19.95   Investors   Book store
Wiley & Sons           Nutshell                                                                       (   (
Mcmillan; Pearson      Options as a        book   Not Known 109.95 Investors      Book store
Professional           strategic                                                                          (
Education              investment
Tony Compton &         Trading with a Plan book   15-Sep-00   37.95   Investors   Book store
Eric Kendall; John                                                                                    (   (
Wiley & Sons
Daryl Guppy; John      Share Trading: an book     15-Jul-96   39.95   Investors   Book store
Wiley & Sons           Approach to
                       Buying and Selling:
                       A Guide to Buying                                                              (   (   (
                       and Selling

Alexander Elder;       Study Guide for     book   10-Jun-93   65.95   Investors   Book store
John Wiley & Sons      Trading for a
                       Living: Psychology,
                       Trading Tactics,                                                               (   (   (
                       Money
                       Management

Charles B Carlson;     Winning with the    book   25-Feb-04   49.95   Investors   Book store
HarperCollins          Dow Losers: Beat
Publishers             the Market with                                                                (   (   (
                       Underdog Stocks
Newton: John           Warrants for Equity book   31-Dec-03   32.95   Investors   Book store
Wiley & Sons           Investors                                                                          (



                                                                                           65 of 80
Mary Buffet &      The Buffettology   book        15-Mar-01   24.95   Investors    Book store
David Clark; Simon Workbook: Value
& Schuster         Investing the                                                                       (   (
                   Buffett Way
Jack D Schwager & Getting Started in book         7-May-99    32.95   Investors    Book store
Mark Etzkorn; John Technical Analysis
Wiley & Sons,                                                                                          (   (
Series: Getting
Started
David Hey-         Financial          book        1-Jan-02     45     Investors    Book store
Cunningham         Statements
                   Demystified
                                                                                                       (   (
Daryl Guppy; John   Charting Trading       book   31-Oct-99   39.95   investors    Book store
Wiley & Sons                                                                                           (   (
Kevin Shanahan;     Australian        book        31-Dec-97   42.95   general      Book store
Lawbook Co.         Dictionary of                                     public
                    Banking and                                                                            (   (
                    Finance
Alex Frino, Simone Introduction to    book        30-Nov-03   79.95   students     Book store
Kelly, Tony Cusack; Corporate Finance                                 (tertiary)
Pearson Education
Australia                                                                                              (   (   (

Benjamin Graham;    Intelligent Investor   book   Not Known   49.95   investors    Book store
HarperCollins       (Rev. ed./updated
Publishers          with new                                                                           (   (
                    commentary by
                    Jason Zewig)
Catherine Davey;    Contracts for          book   15-Jul-03   29.95   investors    Book store
John Wiley & Sons   Difference: Master
Australia           the Trading                                                                        (   (
                    Revolution
Daryl Guppy; John   Snapshot Trading:      book   11-Oct-02   39.95   investors    Book store
Wiley & Sons        Selected Tactics
                    for Short-term                                                                     (   (
                    profits
Louise Bedford      The Secrets of         book   15-Nov-99   39.95   investors    Book store
John Wiley & Sons   Options Writing                                                                    (   (
Australia
Time Hewat; John    The Intelligent     book      8-Apr-02    26.95   Investors    Book store
Wiley & Sons        Investor's Guide to
Australia           Share Buying (7th                                                                  (   (
                    ed)
Louise Bedford      Trading Secrets:    book      27-Jul-01   39.95   Investors    Book store
John Wiley & Sons   An Australian
Australia           Guide to                                                                           (   (   (
                    Successful Share
                    Trading




                                                                                            66 of 80
Guy Cohen;           Options Made       book     15-Apr-02   69.95   Investors   Book store
Pearson              Easy: Be Sure
Professional         Before you Place a                                                              (   (   (
Education            Trade
F.Watkins;           Exploding the      book     15-Feb-03   32.95   Investors   Book store
Vocational           Myths
Education &                                                                                          (   (   (
Training
Publications
Richard A. Ferri;    Protect Your         book   16-May-03   29.95   Investors   Book store
McGraw-Hill          Wealth in Good                                                                  (   (   (
Education - Europe   Times and Bad
George Soros:        The Alchemy of       book   31-Aug-03   32.95   Investors   Book store
John Wiley & Sons    Finance: The New                                                                (   (   (
                     Paradigm
Michael C.           Getting Started in   book   31-Aug-03   32.95   Investors   Book store
Thomsett; John       Options                                                                         (   (   (
Wiley & Sons
Philip Ramsden;      Teach Yourself     book     10-Jul-03   32.95   investors   Book store
Hodder &             Finance for Non-
Stoughton            financial Managers
Educational                                                                                          (   (   (
Division (Teach
Yourself Series)
Edward Winslow;      Blind Faith: Our   book     Not Known   32.95   investors   Book store
Harvard Business     Misplaced Trust in
School Publishing    the Stock Market -
                     and Smarter, Safer                                                              (   (   (
                     Ways to Invest

Alexander Hoar,      The Investor's     book     Not Known   59.95   investors   Book store
Henry Harrington;    Toolbox: Tools and
Pearson              Techniques to                                                                   (   (
Professional         Manager Your
Education            Investments
Roger Goldsmith,     Dictionary of      book     1-Jan-03    29.95   investors   Book store
Peter Osbourne,      Australian
Peter Hodgson;       Investment Terms                                                                (   (   (
OUP
Peter Lynch, John  One Up on Wall     book       28-May-00   29.95   investors   Book store
Rothchild; Simon & Street: How to Use
Schuster           What you already
                   know to make                                                                      (   (   (
                   money in the
                   market (updated
                   ed.)
Peter Lynch, John Beating the Street book        28-Aug-94   29.95   investors   Book store
Rothchild; Simon & (rev.)                                                                            (   (   (
Schuster




                                                                                          67 of 80
Colin Barrow;         Managing Your        book   18-Jul-01    35     small       Book store
Penguin Books         Finances in                                     business
Australia (Small      Australia                                                                                   (
Business Guides)
Daryl Guppy; John     Trading Tactics: an book    15-Nov-97   39.95   investors   Book store
Wiley & Sons          Introduction to
                      Finding, Exploiting
                      and Managing
                      Profitable Share                                                                        (           (   (
                      Trading
                      Opportunities

Robert G.             The Warren Buffet book      10-Nov-95   28.95   investors   Book store
Hagstrom; John        Way: Investment
Wiley & Sons          Strategies of the                                                                       (           (   (
                      World's Greatest
                      investor
Van K. Tharp;         Trade Your Way to book      30-Sep-98   62.95   investors   Book store
McGraw-Hill           Financial Freedom                                                                       (           (   (
Education - Europe
Smith; John Wiley     Superannuation in    book   Not Known   19.95   general     Book store
& Sons Australia      a Nutshell                                      public                                          (
Robert Prechter, A    The Elliot Wave      book   15-Nov-00   68.95   investors   Book store
J Frost; John Wiley   Principle: Key to                                                                       (
& Sons                Market Behaviour
Philip Ryland;        Essential            book   1-Aug-00    29.95   investors   Book store
Profile Books         Investment                                                                              (           (   (
Jason R. Rich;        Make Your            book   Not Known   19.95   general     Book store
Career Press          Paycheck Last                                   public
                      How to Create a                                                                 (   (
                      Budget you Can
                      Live on.
Daryl Guppy; John     Bear Trading:        book   Not Known   37.95   investors   Book store
Wiley & Sons          Strategies for                                                                          (           (   (
                      Survival (2nd ed.)
Daryl Guppy; John     Chart Trading        book   31-Oct-99   39.95   investors   Book store
Wiley & Sons                                                                                                  (           (   (
Austin Donnelly,      DIY                book     15-Jun-02   24.95   general     Book store
Barbara Smith;        Superannuation: A                               public
John Wiley & Sons     practical guide to
Australia             setting up and                                                                                  (
                      managing personal
                      superannuation

George Angell;        Sniper Trading:     book    15-Jan-02   65.95   investors   Book store
John Wiley & Sons     Essential Short-
                      term Money-
                      making secrets of                                                                       (           (   (
                      trading stocks,
                      options and futures




                                                                                           68 of 80
William O'Neill;     24 Essential       book      30-Dec-99   19.95   investors   Book store
McGraw-Hill          Lessons for
Education, Europe    Investment                                                                       (       (   (
                     Success
Nick E. Renton;      Learn More About book        15-Oct-02   24.95   investors   Book store
John Wiley & Sons    Shares: A plain
Australia            English guide for
                     Australian Stock                                                                 (       (   (
                     Exchange Investors

Janet Lowe; John    Warren Buffet      book       10-May-97   32.95   investors   Book store
Wiley & Sons        Speaks: Wit and
                    Wisdom from the                                                                   (       (   (
                    World's Greatest
                    Investor
Paul Martin &       Margin Lending     book       15-Feb-02   34.95   investors   Book store
Jarrod Martin; John Explained: a
Wiley & Sons        Sharebuyer's guide                                                                (   (   (   (
Australia           to good gearing

Desmond Connelly; Shares in a              book   30-Jun-03   19.95   investors   Book store
John Wiley & Sons Nutshell (2nd ed.)
Australia                                                                                             (       (   (
Brett Steenbarger;   The Psychology of     Book   15-Jan-03   65.95   investors   Book store
John Wiley & Sons    Trading: Tools and
                     Techniques for                                                                   (       (   (
                     Minding the
                     Markets
R J Bennetts &       The Stockmarket       book   1-Jul-03    14.95   investors   Book store
Australian           as Easy as ABC: A
Broadcasting         Guide for New                                                                    (       (   (
Corporation; ABC     Participants (New
Books                Edition)
CNBC                 CNBC Creating         book   31-Aug-03   31.95   investors   Book store
                     Wealth: an
                     Investor's Guide to                                                              (       (   (
                     Decoding the
                     Market
Howard Bryan         The Complete          book   28-Feb-02   24.95   investors   Book store
Bonham; Adams        Investment and                                                                   (       (   (
Media Corporation    Finance Dictionary
John Bogle; John     Common Sense on       book   28-Oct-00   32.95   investors   Book store
Wiley & Sons         Mutual Funds:
                     New Imperatives                                                                  (       (   (
                     for the Intelligent
                     Investor
Oxford Paperback     A Dictionary of       book   1-Feb-98    34.95   investors   Book store
Reference Series;    Finance and                                                                      (       (   (
OUP                  Banking (2nd ed)




                                                                                           69 of 80
Daniel Strachman;    Getting Started in   book   23-Feb-00   32.95   investors   Book store
John Wiley & Sons    Hedge Funds                                                                                 (           (   (
Nick Radge; John     Every-day traders:   book   15-Dec-02   29.95   investors   Book store
Wiley & Sons         Discussions with
Australia            Real Australian                                                                             (           (   (
                     Traders
Martin Roth; John    How the Stock     book      10-Aug-01   34.95   investors   Book store
Wiley & Sons         Market Really                                                                               (           (   (
Australia            Works (4th ed.)
Chris Tate; John     The Art of Tradingbook      31-Jul-00   39.95   investors   Book store
Wiley & Sons         (2nd ed)                                                                                    (           (   (
Australia
Roger Mason;        Finance for Non-   book      15-Jan-03   22.95   small       Book store
Hodder Arnold (In a financial Managers                               business;
week series)        in a Week (3rd ed)                               not for                                 (
                                                                     profit
Raoul Felder; John  Bare Knuckle       book      16-Jan-04   41.95   general     Book store
Wiley & Sons        Negotiation: Savvy                               public
                    Tips and True
                    Stories from the                                                                                 (
                    Master of Give and
                    Take
Jeff Madura;        What Every         book      29-Dec-03   27.95   investors   Book store
McGraw-Hill         Investor Needs to
Education (Europe) Know about                                                                                    (           (   (
                    Accounting Fraud
Gene Walden;        If Not Stocks,     Book      Not Known   27.95   investors   Book store
McGraw-Hill         What?                                                                                        (           (   (
Education, Europe
Warren Boroson;     J.K. Lasser's Pick book      15-Nov-01   28.95   investors   Book store
John Wiley & Sons Stocks Like                                                                                    (           (   (
                    Warren Buffett
James Walker; Pan Couples and          book      30-Sep-03   16.95   general     Book store
Macmillan Australia Money                                            public                          (   (   (   (           (   (
                                                                     (couples)
Ita Buttrose, Will  How Much is        book      31-Aug-03   24.95   retirees;   Book store
Buttrose;           Enough? Your                                     seniors
                    Financial                                                                                    (       (   (
                    Roadmap to a
                    Happy Retirement
John Burley & Brian Powerful Changes: book       15-Jul-03   21.95   general     Book store
Fergus; Titles      the Path to Riches                               public
distributed by      and Happiness                                                                            (   (           (
Tower Books
(Australia)
Curtis Gay; John    Smart Girl's Guide book      31-Oct-03   24.95   women (18- Book store
Wiley & Sons        to Money                                         35 years of
Australia                                                            age)                            (   (   (   (           (




                                                                                          70 of 80
Tim Blue; CHOICE     Seven Ages of       book   30-Sep-03    25     general     Book store
Books                Money                                          public                                  (   (                       (
RENTON; John         Learn More About    book   31-Dec-03   24.95   retirees;   Book store
Wiley & Sons         Retirement                                     seniors                                 (   (           (   (   (
Australia            Planning
Peter Spann;         The Little Pot of   book   31-Aug-03   9.95    general     Book store
HarperCollins        Gold: 100 Keys to                              public
Publishers           Success & Wealth                                                                       (   (                       (
(Australia)
Robert Kiyosaki;     Rich Dad's          book   31-Dec-03   24.95   general     Book store
Addenda Publishing   Success Stories                                public                                  (   (           (           (   (
Maureen Jordan       Mortgages for       book   31-Aug-03   39.95   general     Book store
and Eric Tyson;      Dummies                                        public;
John Wiley & Sons                                                                                               (           (           (
Australia
Sharon Maxwell       Think Yourself      book   Not Known   32.95   general     Book store
Magnus;              Rich: Discover                                 public
Vintage/Ebury (A     Your Millionaire                                                                       (   (
division of Random   Potential
House Group)
Barbara Smith and    Superannuation   book      15-Oct-03   29.95   general     Book store
Ed Koken; John       Handbook 2003-04                               public
Wiley & Sons                                                                                                        (   (   (   (
Australia
Noel Whittaker;      Money Matters:   book      29-Feb-04   9.95    general     Book store
Simon Schuster       The ABC of Money                               public                          (   (   (   (                       (
Australia            Matters
Linda Gough; Allen   Couples Guide to book      Not Known   24.95   general     Book store
& Unwin              Money                                          public                                  (
                                                                    (couples)
Mark & Allen         The One Minute      book   15-Nov-02   24.95   general     Book store
Hansen; Random       Millionaire                                    public                                      (                       (
House Australia
George S. Clason;    The Richest Man     book   Not Known   19.95   general     Book store
Signet               in Babylon (reissue                            public                                  (   (
                     edition)
Tiggle; John Wiley   Financial Fitness   book   Not Known   24.95   investors   Book store
& Sons Australia                                                                                                (                       (
Paul Clitheroe;      Making Money: the book     Not Known   29.95   general     Book store
Penguin Books        Keys to Financial                              public                                  (   (                       (
Australia            Success
John R. Burley;      Money Secrets of    book   Not Known   27.95   general     Book store
Pow-Wow Events       the Rich: Learn the                            public
                     7 Steps to                                                                             (   (           (           (
                     Financial Freedom




                                                                                         71 of 80
Paul Clitheroe;      Financial Snakes    book   Aug-03      29.95   general     Book store
Penguin Books        and Ladders: How                               public
Australia            to Survive and                                                                     (   (   (       (
                     Thrive in Tough
                     Times
Barbara Smith and    DIY Retirement      book   Not Known   29.95   retirees;   Book store
Ed Koken; John       Planning                                       seniors
Wiley & Sons                                                                                            (   (   (   (
Australia
Mike Bundlie ,       Make More than     book    1-Sep-03    34.95   youth       Book store
Kevin ODonnell ,     your Parents: Your                             (early
Bart DiLiddo;        Guide to Financial                             teenage)
Harper Collins       Freedom                                                                        (   (   (
Publishers
(Australia
Robert Kiyosaki;     Rich Kid Smart Kid book    Not Known   21.95   youth       Book store
Addenda Publishing                                                  (early                          (   (
                                                                    teenage)
Robert Kiyosaki;   Rich Dad's            book   Not Known   24.95   general     Book store
Addenda Publishing Prophecy                                         public                              (   (           (
William D. Danko & The Millionaire       book   Not Known   24.95   general     Book store
Thomas J. Stanley; Next Door                                        public
HarperCollins
Publishers                                                                                              (   (           (
(Australia)

Anita Bell; Random Your Money:           book   Not Known   15.95   general     Book store
House Australia    Starting Out and                                 public                              (
                   Starting Over
Roger Paul, Neill  Your Personal         book   Not Known   24.95   general     Book store
Sharpe & Chris     Wealth Coach:                                    public
Moylan; Gary Allen Creating Financial                                                                   (   (           (
Pty Ltd            Success in the
                   21st Century
Malcolm Emery;     Your Right to be      book   Not Known   24.95   general     Book store
Magnetic Marketing Rich: The 9 no-bull                              public
and Publications   Laws of Speed                                                                        (   (           (
                   Wealth
Paul Clitheroe;    Investing in          book   28-May-02   9.95    general     Book store
Penguin Books      Property                                         public                              (   (           (
Australia
Paul Clitheroe;    The Road to           book   28-Jul-01    35     general     Book store
Penguin Books      Wealth: Securing                                 public
Australia          your Financial                                                                       (   (   (   (   (
                   Future
Leslie Faulkner-   Women Talking         book   31-Dec-03   24.95   women       Book store
Rose; John Wiley & Money                                                                                (
Sons Australia




                                                                                         72 of 80
Susan Annette        The Money Rules: book     31-Dec-03   24.95   women       Book store
Jones Knape;         50 Ways Savvy
McGraw-Hill          Women Can Make
Education (Europe)   More, Save More                                                               (       (   (
                     and Have More

Barbara Drury;       Personal Finance   book   15-Apr-02   39.95   general     Book store
John Wiley & Sons    for Dummies                                   public                          (   (   (   (           (
Paul Clitheroe;      How to be Debt     book   28-May-02   9.95    general     Book store
Penguin Books        Free                                          public                                  (
Australia
Margaret Lomas;      How to Create an   book   28-Mar-02   24.95   general     Book store
John Wiley & Sons    Income for Life                               public                                  (   (           (
Australia
Grant Abbott; CCH    Guide to Self     book    15-Aug-03    79     general     Book store
Australia            Managed Super                                 public                                          (   (
                     Funds
Vivienne James;      The Women's       book    31-Oct-03   29.95   women       Book store
Allen & Unwin        Money Book: It's
(Australia)          Your Money - Why                                                                      (   (           (
                     Not Make the Most
                     of it?
William J. O'Neill;  The Successful    book    30-Sep-03   19.95   investors   Book store
McGraw -Hill         Investor                                                                                  (           (
Education (Europe)
Brian Tracey; John Change Your          book   31-Aug-03   41.95   general     Book store
Wiley & Sons        Thinking, Change                               public
                    Your Life: How to
                    Unlock Your Full                                                                       (   (           (
                    Potential for
                    Success and
                    Achievement
Robert Kiyosaki;    The Cashflow        book   29-Nov-99   21.95   general     Book store
TechPress           Quadrant: The                                  public
                    Rich Dad's Guide                                                                       (   (   (       (
                    to Financial
                    Freedom
Napoleon Hill,      Think and Grow      book   8-Nov-96    24.95   general     Book store
Random House        Rich                                           public                                  (   (           (
USA
Noel Whittaker;     Making Money        book   31-Dec-98   19.95   general     Book store
Simon Schuster      Made Simple                                    public                          (   (   (   (   (       (
Australia
Emily Chantiri,     The Money Club      book   2-Feb-01    17.95   investors   Book store
Frances Beck &
Dianne Hill;                                                                                                   (           (
Random House
Australia




                                                                                        73 of 80
Ean Higgins & Arun Fortune Strategy:         book   12-Apr-00   39.95   general       Book store
Abbey; Allen &     Investment                                           public
Unwin (Australia)  Planning for the                                                                               (   (       (       (   (
                   Information Age
                   (2nd ed)
Noel Whittaker;    Golden Rules of           book   26-Nov-96   19.95   general       Book store
Simon Schuster     Wealth                                               public                                    (   (       (       (   (
Australia
Barbara Smith and Allocated Pensions         book   31-Dec-03   22.95   retirees;     Book store
Ed Koken; John     and Annuities in a                                   seniors
Wiley & Sons       Nutshell                                                                                           (       (   (   (
Australia
Paul J. Lim;       Money Mistakes            book   5-Oct-03    27.95   general       Book store
McGraw Hill        You Can't Afford to                                  public
Education (Europe) Make: How to
                   Solve Common                                                                                   (   (   (           (
                   Problems and
                   Improve Your
                   Personal Finances
Boyett; John Wiley The Guru Guide to         book   3-Oct-03    41.95   general       Book store
& Sons (Guru       Money                                                public
Guide Series)      Management                                                                                     (
Tim Olsen;             Teenage Investor,     book   1-Aug-03    27.95   youth       Book store
McGraw-Hill            The                                              (teenagers)                       (       (   (
Education (Europe)
Paul B Farrell; John   The Millionaire       book   31-Oct-03   41.95   general       Book store
Wiley & Sons           Code: 16 Paths to                                public                                    (   (       (       (
                       Wealth Building
Emily Chantiri,        Financially Fit for   book   1-Dec-03    19.95   general       Book store
Frances Beck &         Life                                             public
Dianne Hill;                                                                                                      (   (
Random House
Australia
Trevor Sykes; Allen The Numbers              book   Not Known   24.95   investors     Book store
& Unwin (Australia) Game (2nd ed)                                                                                 (   (               (
Bill Staton & Mary T Worry-free              book   Not Known   27.95   families      Book store
Staton; McGraw Hill Finances: The 4
Education (Europe) Keys to Building
                     and Maintaining                                                                              (
                     Your Family's
                     Finances
Angi Ma Wong;        Feng Shui Do's          book   30-Sep-03   16.95   general       Book store
Hay House Inc        and Taboo for                                      public                                    (
                     Financial Success
Steven Strauss;      The Complete            book   Not Known   34.95   individuals   Book store
Alpha Books C/O      Idiot's Guide to                                   in debt
Penguin Putnam Inc Beating Debt                                                                           (   (   (



                                                                                               74 of 80
Lynne Twist; W.W. The Soul of           book       30-Jul-03   42.95   general     Book store
Norton & Company Money:                                                public
                    Transforming Your                                                                          (
                    Relationship with
                    Money and Life
Noel Whittaker;     Controlling Your    book       15-Oct-98   14.95   general     Book store
Simon Schuster      Credit Cards                                       public                          (       (
Australia
Hans Jakobi;        Cash Cows - How                Not Known   14.95   general     Book store
Wealth Dynamics     to Create Extra                                    public                              (   (   (   (           (   (
International       Sources of Income
Robert Kiyosaki;    Rich Dad, Poor      book       1-Apr-97    21.95   general     Book store
TechPress           Dad                                                public                                  (   (   (           (
Caro Handley;       Money: How to       book       15-Jul-02   12.95   general     Book store
Carlton Books       Organise your                                      public
(Series: Sorted in  finances in Just                                                                           (
30 Days)            One Month
Martin Hawes &      Get Rich, Stay      book       1-Jun-03    24.95   general     Book store
Joan Baker; Allen & Rich:…And                                          public
Unwin (Australia)   Become                                                                                     (   (
                    Financially Free
Brian Sher; Pan     What Rich People    book       28-Jul-99    30     general     Book store
Macmillan Australia Know and                                           public
                    Desperately Want                                                                           (   (   (           (
                    to Keep Secret
Noel Whittaker;     Living Well in      book       29-Jul-97   24.95   retirees;   Book store
Simon Schuster      Retirement (2nd                                    seniors                                 (   (   (       (
Australia           ed)
David Holihan;      My Pocket Money     book       31-May-01   6.95    general     Book store
Wealth Dynamics     Saver                                              public                          (
International
Kate Beddoe;        Saving, Spending,   book       31-Mar-01    20     general     Book store
CHOICE Books        Splurging: and                                     public
                    Other Stuff About                                                                  (       (
                    Money
HMW Limited         Your Mortgage       magazine   Not Known   9.95    general     news agent
                                                                       public
                                                                       (home                                               (
                                                                       buyers)
ACP                Money Magazine       magazine   Not Known   6.95    general     news agent
                                                                       public                                  (
Wealth Creator     Wealth Creator       magazine   Not Known   6.95    general     news agent
Publishing         Magazine                                            public                                  (
Seven Mile Press   Women's Money        magazine   Not Known   9.95    women       news agent
                   Magazine                                                                            (   (   (   (   (       (




                                                                                            75 of 80
Fairfax     Personal Investor   magazine    Not Known magazi investors    Also available online with
                                                      ne: $6              both free and subscription
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                                                                          m.au/

Fairfax     Shares              magazine    Not Known magazi investors    Also available online with
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Not Known   Work From Home      magazine    Not Known       small
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Fairfax     Business Review     magazine;   Not Known Not   general       Also available online -
            Weekly. Online      web based             Known public        premium content
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            savings); and
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Veriguard   Australian          magazine    Monthly -    4.95   general   Planned distribution
            Financial Alert                 launch              public    channels are through
                                            date May                      newsagencies, face-to-
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            m.au            and                          based public     following Newspapers:
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                                                                                    76 of 80
Fairfax        Smart Money (AFR) newspaper N/A   Cost of   general   section included in
                                                 newspa    public    Saturday's edition           (   (   (
                                                   per:
News Limited   Wealth (The      newspaper N/A    Cost of   general   weekly section included in
               Australian)                       newspa    public    newspaper                    (   (   (
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News Limited   Money & You (The newspaper N/A    Cost of   general   weekly section included in
               Daily Telegraph)                  newspa    public    newspaper                    (   (   (
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                                                                               77 of 80
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Research Students     Survival Guide                                       (postgraduate) sa/about/parsa1.html
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University of         Financial         Program              N/A    Free   students       One on one consultation.
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                                                                                          Gai Campus: (02) 9514           (                     (                  (                                         (
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                                                                                              8257 0500; email:
                                                                                              rparish@axiss.gov.au


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of Australia           Services Industry web based course                     investors;      au
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of Australia           Financial Markets web based course                     investors;      au
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of Australia           Financial        web based course                 investors;      au
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