By Gwen McKinley

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Extra info for A Problem in Card Shuffling, Edition: version 9 May 2015

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1300 300 630 Visit .................................................................................................. au Australian Taxation Office (ATO) Can provide information on tax matters, Superannuation Guarantee contributions, lost superannuation accounts (SuperSeeker) and self-managed superannuation funds. Phone: Personal tax ..................................................................................................... 13 28 61 Business . 13 28 66 Superannuation ...............................................................................................

A transaction card that draws electronically on your money to buy things. Debit cards can be a good alternative to a credit card. Risk. The possibility that your investment may fall in value or earn less than expected. Debt. The amount of money you owe – including mortgages, personal loans and credit card balances. Superannuation. Money that you and your employers put aside during your working life to use when you retire. Diversification. Investing in a range of different types of assets. A good way of reducing risk in investing.

32. Steps to protect you against scams 1. Say ‘no’, at least for the moment. 2. Do your homework. 3. Ask questions. Financial scammers usually don’t have a financial services licence issued by ASIC, even if it looks that way. They may have glossy paperwork, but it’s rarely a proper product disclosure statement or prospectus. If you’re not sure, ask questions and don’t be pressured into making a decision on the spot. Some ‘top’ scams • Lottery scams – like the El Gordo and Princess Diana lotteries where you ‘win’ even though you never bought a ticket.

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