Defined Terms and Documents      'Aboriginal Teenager Life Skills' RTV Social Inclusion Early Intervention Programme 

Omnipresent Advertising Traps means one of the Four Nasty Pitfalls Besetting Teenagers that Life Skills Guardians (one of the Cross Section Of Mentors), supported by a few Sporting Role Models, will alert Ten Regional Township Teams of the impact and devastation upon Australians under 25.

Omnipresent Advertising Traps are not limited to:

i)          inducements that credit card providers offer to attract credit card users to incur debt at usury interest rates relative to the card providers' cost of funds (Cash Rate is 2% as at 30 Jan 2015), which evidences -
+     the majority of credit card users, colloquially known as "The Haves", paying almost no interest and minimal annual fees; and
+     the minority of credit card users, colloquially known as "The Have Nots", paying excessive interest and annual fees causing material anguish and Negative Stressors eg. interest on a $1,000 debit balance on a cash advance for 12 months @  21.84% compounding monthly is $241.64

$1,000 (1 + 0.2184/12)¹²  =  $241.64 in interest, almost 25% of the debt, yet banks are raising funds often at the 'official cash rate', presently 3%

ii)         ploys that many mobile 'phone sellers will go to induce 24 months all inclusive mobile phone plans that have hidden 'spiders' whereupon consumers can end up paying materially higher 'phone bills than anticipated, and how users can access their account on-line to monitor monthly usage to mitigate this problem;

iii)        subliminal marketing, by the unethical behaviour of some sporting commentators who are retired elite level sportsmen, who prostitute their sporting reputation by enticing viewers to gamble on-line on sporting events while commentating on a football game or cricket match in full knowledge that a small part of the viewer audience are addicted, or at least, prone to gambling beyond their financial means, and hypocritically then warning about "always gambling responsibly".  Channel 9 pays its Rugby League 'commentary team' to present the Friday night game.  Smiling Tom Waterhouse pays Channel 9 to advertise his on line betting website and to join the Channel 9 'commentary team' which is unconscionable because their Risk Warning of "Remember to always bet responsibly" is inadequate because it does not educate some of the viewers of the quantum of losses or Tom Waterhouse's retained betting margin, as evidenced by Tom's gambling sheets;

iv)        odds on BetFair etc. provide a conservative (by comparison with the above TAB) profit margin of 10.4% as evident in 'Rugby League Premiership winner odds'.  However, BetFair takes an additional 5% fee on the punter's net profit, effectively increasing the profit margin up to 15.4%;

v)         'payout rates' on poker machines render it impossible to win over a short time and wreak enormous emotional and physical hardship to some who become hypnotised; and

vi)        'payout rates' on TAB render it highly unlikely to win after three or four bets and impossible to win beyond five bets without 'insider-knowledge'.

Omnipresent Advertising Traps is one of the Four Nasty Pitfalls Besetting Teenagers that Life Skills Guardians, as one of the Cross Section Of Mentors, supported by a few Sporting Role Models, will alert Ten Regional Township Teams of the impact and devastation particularly upon Australians under 25.