Michael recently migrated from the United States of Orangutan. Whilst he cannot speak much English, he is an awesome chef. So, he has started working as a chef at the Hilton Hotel in Melbourne, but is unsure about which Superannuation fund he should join. He speaks to a financial advisor at THATBank who advises Michael to join the HelpMe Super Fund, a super fund operated and controlled by a subsidiary company of THATBank, because they also offer income insurance, and if he ever needs a home loan, he will be offered a "great deal" from THATBank, IF he is a member of HELPMe Super Fund. The premiums will cost approximately $100 per week and the premium payments can be made by using the funds from his superannuation account. Michael thinks this method of payment is illegal, and that the advisor is "tricky".

Advise Michael.