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In the two years since the financial services royal commission, super fund members, bank customers and insurance policyholders have all been let down by the federal government’s failure to implement its findings, a legal group has stated. 

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The banking royal commission chaired by Kenneth Hayne gave 76 recommendations to the government, with less than half of them being implemented, while four have been completely abandoned in the two years since it was founded.  

At the time, the Morrison government created an implementation roadmap setting out how the government will deliver on its comprehensive response to the royal commission, which it said would “restore trust in Australia’s financial system”.

“In the government’s response, released in February this year, we committed to taking action on all 76 royal commission recommendations and, in a number of key areas, going further,” Josh Frydenberg said while presenting his roadmap. 

However, the Australian Lawyers Alliance (ALA) said that despite promising reform, the government is yet to deliver.

“A majority of the reforms have been delayed and, unbelievably, some have been abandoned completely,” ALA spokesperson Josh Mennen said.

While the government has highlighted the challenges of the COVID-19 pandemic and the economic impacts that have forced them to delay implementation, the ALA said consumer protection is needed now more than ever. 

“That doesn’t pass the ‘pub test’ given consumer protections are needed more, not less, during times of financial uncertainty and turmoil,” Mr Mennen said. 

“For example, the long-promised ‘compensation scheme of last resort’ has not yet been introduced.” 

“The scheme will help consumers who have proven they were given negligent financial advice only to find the advice firm has gone bust and can’t pay up. 

“This compensation would have been invaluable for those struggling during the high unemployment and economic turmoil wrought by the pandemic,” Mr Mennen said. 

With February 1 marking the royal commission’s second year anniversary, law firm Maurice Blackburn also pointed out the importance of consumer protection during this period. 

Maurice Blackburn’s principal, Kim Shaw, highlighted that the federal government has used COVID-19 as the reason for delay on a number of recommendations, but the fact remains that many of these recommendations are now more important than ever in ensuring consumers are properly compensated for harm caused and protected from poor behaviour.

“It abandoned key recommendations from commissioner Hayne to protect consumers against unfair or irresponsible lending and to ban commissions for mortgage brokers – both of which were crucial measures that have become even more important in the wake of COVID-19,” she said.

“As the royal commission demonstrated, banks’ relaxed lending standards and brokers’ involvement in loan sales resulted in widespread debt overcommitment, and our firm has represented hundreds of consumers who have fallen victim to these issues through irresponsible lending.

“Yet, rather than act on the recommendations from commissioner Hayne to address these issues, the federal government continues to try and make it easier for banks to lend money and provide credit without further necessary protections – measures that risk causing considerable problems for consumers when they can least afford it,” Ms Shaw concluded.

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In the two years since the financial services royal commission, super fund members, bank customers and insurance policyholders have all been let down by the federal government’s failure to implement its findings, a legal group has stated. 

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ASIC chair James Shipton will leave the financial regulator permanently, despite being cleared of any wrongdoing.

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Last year an investigation was launched after it was revealed ASIC had paid more than $118,000 for Mr Shipton to receive personal tax advice.

During a review into the allegations, Mr Shipton stood aside and had his salary frozen.

Although an independent report into an expense matter found Mr Shipton had done nothing wrong, it is understood that he and Treasurer Josh Frydenberg agreed he would leave once a new chairman was found.

“After considering Dr Thom’s report and supplementary legal advice provided to the Treasury concerning these matters, I am satisfied that there have been no instances of misconduct by Mr Shipton concerning his relocation arrangements, including ASIC’s payment for tax advice resulting from his relocation to Australia in early 2018, nor have there been any breaches of applicable codes of conduct,” Treasurer Josh Frydenberg said.

Mr Shipton will return to his role on Monday, but will step down in the coming months. Mr Frydenberg thanked Mr Shipton for his “service and dedication” during his time as ASIC chair.

“The review also concluded that the Treasury could improve its processes for managing the appointments of statutory officers under Treasury portfolio laws. In response, the Secretary to the Treasury has moved to implement a new system immediately,” Mr Frydenberg said.

Mr Shipton’s resignation follows pressure from the opposition, with shadow minister for financial services Stephen Jones saying that delaying the decision was hurting the Australian economy. 

“The longer he stalls his decision about the future of James Shipton as chairman, the more potholes he’s creating in the long road to economic recovery,” Mr Jones previously stated. 

“Mr Shipton cannot remain on gardening leave on his full $775,000 a year salary while a million Australians are looking for work and corporate Australia deals with the economic uncertainty.” 

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ASIC chair James Shipton will leave the financial regulator permanently, despite being cleared of any wrongdoing.

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NAB is set to snap up a neobank in a deal said to cost $220 million, as it looks to enhance its digital offering.

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NAB has announced its acquisition of a 100 per cent stake in Aussie neobank 86 400 in a bid to accelerate its offshoot UBank and deliver a “market-leading digital experience and new product propositions to customers”.

According to NAB, the $220 million deal will accelerate UBank’s growth by combining its established customer base, brand and colleagues with 86 400’s experience and technology platforms.

“UBank has a proud 12-year history of innovation as a pioneering digital bank and today serves more than 600,000 customers to help achieve their financial goals,” said UBank CEO Philippa Watson.

“Combining with 86 400 will bring together UBank’s established business and 86 400’s experience and technology platform to meet the changing needs of our customers. We are looking forward to having the 86 400 team join us to deliver the next generation of simple, fast and mobile banking solutions.”

NAB commenced its discussions with 86 400 in late 2020 and participated in its Series B Capital raise, taking its current holding in the neobank to 18.3 per cent.

86 400’s independent directors have now unanimously recommended that is shareholders vote in favour of NAB’s proposed takeaway by way of a scheme of arrangement.

86 400 CEO Robert Bell said: “Over the past 18 months, we’ve challenged the status quo of banking through innovative products, services and technology. 86 400 and its customers will benefit from NAB’s capital and balance sheet strength and investment spend to support accelerated growth and continued innovation, helping even more Australians take control of their money.”

Founded by Cuscal Ltd and led by CEO Robert Bell, 86 400 has built and launched a mobile-led digital bank and was granted an ADI licence in July 2019. As at 15 January 2021, 86 400 had more than 85,000 customers, $375 million of deposits, $270 million in approved residential mortgages and 2,500 accredited brokers.

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From financing a credit card debt to deciding on a home loan, Nest Egg’s got your back! " ["secure"]=> int(0) ["page_description"]=> string(7) "nestegg" ["page_rights"]=> NULL ["robots"]=> NULL ["access-view"]=> bool(true) } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["displayDate"]=> string(19) "2021-01-29 00:08:38" ["slug"]=> string(41) "16298:nab-snaps-up-neobank-in-220m-deal-2" ["parent_slug"]=> string(16) "271:borrow-money" ["catslug"]=> string(11) "275:banking" ["event"]=> object(stdClass)#5493 (3) { ["afterDisplayTitle"]=> string(0) "" ["beforeDisplayContent"]=> string(0) "" ["afterDisplayContent"]=> string(0) "" } ["text"]=> string(305) "

NAB is set to snap up a neobank in a deal said to cost $220 million, as it looks to enhance its digital offering.

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Australians looking to take advantage of record-low interest rates are unlikely to speak with their bank, but have a high level of trust in mortgage brokers, new research has revealed.

Write comment (0 Comments) " ["fulltext"]=> string(2155) "

Survey results conducted by CoreLogic on behalf of Mortgage Choice have shown that 38 per cent of Aussies are looking to take advantage of the record-low interest rate.

However, 53 per cent of respondents do not entirely trust the banks, admitting that they are unlikely to advise them of a better mortgage deal outside of their bank.

A further 49 per cent of home owners said they do not believe the banks always have their best interests at heart.

Despite a mistrust in the banking industry, the research showed that 94 per cent of home owners trust a mortgage broker’s loan recommendations.

Susan Mitchell, CEO of Mortgage Choice, said consumers are often confused by the process of refinancing their mortgage. 

“Faced with what can be an overwhelming choice of home loans, home owners want to be confident they are making the move to a loan that will improve their financial wellbeing through a lower rate, improved loan features, or both,” Ms Mitchell said. 

The CEO also highlighted how banks are limited with their information and are likely to only know the rates provided by their own financial institution. 

“While banks can provide information on their own product suite, they do not have an in-depth understanding of competitors’ products,” she said.

“Mortgage brokers not only provide a broad selection of loans across a variety of lenders, they also take the time to explain why a particular loan is being recommended.” 

“This is very reassuring for consumers and demonstrates that mortgage brokers work in the home owners’ best interests at all times. This important combination underpins the exceptional level of trust that home owners place in their mortgage broker,” Ms Mitchell concluded.

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From financing a credit card debt to deciding on a home loan, Nest Egg’s got your back! " ["secure"]=> int(0) ["page_description"]=> string(7) "nestegg" ["page_rights"]=> NULL ["robots"]=> NULL ["access-view"]=> bool(true) } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["displayDate"]=> string(19) "2021-01-25 00:07:06" ["slug"]=> string(89) "16275:one-in-two-aussies-do-not-believe-banks-act-in-their-best-interest-when-refinancing" ["parent_slug"]=> string(16) "271:borrow-money" ["catslug"]=> string(9) "277:loans" ["event"]=> object(stdClass)#5504 (3) { ["afterDisplayTitle"]=> string(0) "" ["beforeDisplayContent"]=> string(0) "" ["afterDisplayContent"]=> string(0) "" } ["text"]=> string(461) "

Australians looking to take advantage of record-low interest rates are unlikely to speak with their bank, but have a high level of trust in mortgage brokers, new research has revealed.

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The total value of loan commitments for investor housing rose 6 per cent month-on-month to reach $5.6 billion in November last year, as the property market heated up in the lead-up to Christmas.

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The Australian Bureau of Statistics (ABS) has revealed a surge in loan commitments for investor housing, with a 6 per cent monthly increase and 3.9 per cent yearly growth in November.  

Overall, the ABS reported a record high total value of new loan commitments for housing, with an extraordinary yearly growth of 23.7 per cent, with owner-occupier home loan commitments leading the upward charge with a 31.4 per cent rise compared to November 2019.

The sum of new loan commitments for housing in November stood at $24 billion, recording a seasonally adjusted growth of 5.6 per cent, while that of new owner-occupier home loan commitments increased 5.5 per cent to $18.3 billion.

ABS head of finance and wealth, Amanda Seneviratne, said: “Loan commitments for existing dwellings rose 5.9 per cent and were the largest contributor to the rise in November’s owner-occupier housing loan commitments. 

“The value of construction loan commitments grew 5.6 per cent in November, rising 75 per cent since July. This follows the implementation in June of the government’s HomeBuilder grant in response to COVID-19.”

Other federal and state government incentives and ongoing low interest rates are also believed to have propped up the continuing growth in new housing loan commitments, Ms Seneviratne added.

States and territories

The value of owner-occupier home loan commitments rose across the largest states and territories but showed mixed results in the smaller ones. 

Interestingly, Victorian owner-occupier home loan commitments rose sharply, up 19.6 per cent in seasonally adjusted terms in November, reflecting a surge in housing market activity as COVID-19 restrictions were eased.

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The total value of loan commitments for investor housing rose 6 per cent month-on-month to reach $5.6 billion in November last year, as the property market heated up in the lead-up to Christmas.

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What is a good credit score in Australia? Read on to learn what is considered as an excellent score and why it’s important to have a good credit standing.

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Do you want to know if you’re financially secure to purchase a house or a car? Or do you want to just take a closer look at your financial wellness? A good place to start would be to know your credit score. 

Credit scores are an important aspect of your financial health. A good credit standing can open up plenty of financial opportunities such as access to credit cards or loans with favorable terms. It can also help you unlock numerous savings and benefits that are only available to those with a good credit score. 

But what is considered to be a good credit score in Australia? Let’s dive into how you can find out if you’ve got a good score and how this might benefit you. Additionally, we’ll tell you how to improve your current score to get into a better range.

What is a credit score?

A credit score is a rating of an individual calculated based on the personal and financial information from a person’s credit report. This includes a detailed record of your history as a borrower or your credit history. It shows how much you have borrowed in the past, whether you were able to repay your debt on time and any details of any credit applications you’ve made recently. 

You may think of your credit score as a report card. Instead of grades, your activity for the evaluated period is rated with a scoring range. But unlike grades, they are not included in your credit history. Your score will only be generated each time it is requested. 

Your credit score is important as it can be used by credit providers (banks, lenders etc) to help them decide on your loan application. In some cases, your credit rating can impact how much money you can borrow, terms and what interest rate lenders can offer you.

How is your credit score calculated? 

Your credit score can vary between a scale of zero to 1,000 or zero to 1,200, depending on the credit reporting agency you check your credit score with. But generally, the higher your score is, the better. 

In Australia, there are three main credit reporting bodies: Experian, Illion and Equifax. But you can also get your score through other providers. Each bureau uses a different scoring system, but generally individual credit scores relate to a five-point scale.

There’s a confusion among Aussies about what factors affect their credit score. According to Experian’s recent survey, 90 per cent of Australians believe that having high-value assets would boost their credit score. This is actually far from the truth. In reality, missing just one credit card repayment can cause a significant drop in your credit score. 

While every credit reporting bodies operate differently, there are common factors that can affect your credit score, including: 

• Negative information. This includes defaults (when you fail to pay back your debt), bankruptcy and court judgements against you. 
• Repayment history. Your credit score will reflect how you paid off your loan, made credit repayments or paid bills. 
• Personal details. Information such as your age, employment history and your address can also affect your credit score. 
• The number of credit applications or enquiries you have made. When you fill out an application for any type of credit, lenders will do a hard pull credit inquiry, which involves an official check of your credit report. A hard inquiry negatively affects your credit rating. A decline from a single hard inquiry will only last for a few months. But if you frequently apply for credit products, too many hard inquiries can have a significant damage to your credit rating.
• Credit history. When did you first apply for credit? You’d better take note, as this can also affect your rating.   

What is a good credit score? 

Because each agency uses different credit score bands to categorise consumers’ scores – as well as having different methods of calculating the scores – what is defined as a good credit score will really depend on which agency you’re asking. For example, any Experian credit score above 700 is considered as “very good”, while any Equifax credit score over 726 is also categorised as “very good”. 

But as a general rule of thumb, a higher credit score is considered to be better because it shows lenders you have a reliable borrowing track record and, as a result, presents a lower credit risk. Lenders will usually favour borrowers who are in the top three rating categories (e.g. average, very good or excellent credit score). Generally, a score that is 620 and above will be favoured by lenders. 

To see how credit scores are categorised by the three leading credit agencies in the country, see the attached infographic. 

What are the benefits of a good credit score? 

Having a good credit score is important because it helps put you in a financially advantageous position such as:

• Increased borrowing capacity. If you have a reputable credit score, lenders may allow you to borrow a bigger amount. Your good credit history shows you are capable of meeting your repayments on time, thus a trustworthy borrower.
  
• More negotiating power. A higher credit score gives you some advantage when you want to negotiate a better interest rate on your home, car or personal loan than you would if you had a lower credit score. While there’s no guarantee that a high credit score will result in a better rate, you can still try to leverage your high credit score to get better loan terms.
  
• Higher approval rates for a credit card or loan. While it’s true that lenders take several factors into consideration before green-lighting a credit card or loan application, your credit score will still be an influential one. So, even if a good credit score will not guarantee a loan approval, it could greatly help your chances of getting a favourable response.  

Tips to improve your credit score 

Now you’re familiar with how credit scores are rated, what category did your score fall into? If you’re in the not-so-good category, don’t worry! Here are a few tips that could help put you in a stronger financial position: 

• Pay your bills on time. This tip sounds like common sense, but it’s important in building up your credit score. Pay all of your bills on or before the due date so you can have a consistent record of payments. This can help improve (or maintain) your credit score. Consider setting up a way to automate your payments to help you stay on top of things. 
• Keep a consistently low credit balance. If you have a credit card balance, it might be wise to keep it consistently low as to not hurt your credit score. But if you’re repaying credit card balance in full ahead of the end of each repayment cycle, your balance may not be much of an issue.
• Think before you apply. As we’ve mentioned, applying for a new line of credit too often can hurt your credit score. Even if your recent stew of applications were approved, a string of ‘hard checks’ on your report in a short period of time can raise red flags for lenders. 

For more tips on how to boost your credit score, read here. 

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What is a good credit score in Australia? Read on to learn what is considered as an excellent score and why it’s important to have a good credit standing.

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["title"]=> string(17) "First article URL" ["name"]=> string(3) "url" ["checked_out"]=> string(1) "0" ["checked_out_time"]=> string(19) "0000-00-00 00:00:00" ["note"]=> string(0) "" ["state"]=> string(1) "1" ["access"]=> string(1) "1" ["created_time"]=> string(19) "2020-07-09 01:32:54" ["created_user_id"]=> string(4) "2351" ["ordering"]=> string(1) "0" ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#5530 (3) { ["data":protected]=> object(stdClass)#5533 (1) { ["relative"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#5532 (3) { ["data":protected]=> object(stdClass)#5535 (10) { ["hint"]=> string(0) "" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(1) "2" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["type"]=> string(3) "url" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> string(1) "3" ["label"]=> string(17) "First article URL" ["description"]=> string(0) "" ["required"]=> string(1) "0" ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(16) "Related Articles" ["group_access"]=> string(1) "1" ["group_state"]=> string(1) "1" ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [8]=> object(stdClass)#5572 (32) { ["id"]=> string(1) "8" ["title"]=> string(18) "Second article URL" ["name"]=> string(18) "second-article-url" ["checked_out"]=> string(1) "0" ["checked_out_time"]=> string(19) "0000-00-00 00:00:00" ["note"]=> string(0) "" ["state"]=> string(1) "1" ["access"]=> string(1) "1" ["created_time"]=> string(19) "2020-07-08 05:42:04" ["created_user_id"]=> string(4) "2351" ["ordering"]=> string(1) "0" ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#5534 (3) { ["data":protected]=> object(stdClass)#5537 (1) { ["relative"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#5536 (3) { ["data":protected]=> object(stdClass)#5539 (10) { ["hint"]=> string(0) "" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(1) "2" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["type"]=> string(3) "url" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> string(1) "3" ["label"]=> string(18) "Second article URL" ["description"]=> string(0) "" ["required"]=> string(1) "0" ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(16) "Related Articles" ["group_access"]=> string(1) "1" ["group_state"]=> string(1) "1" ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [9]=> object(stdClass)#5573 (32) { ["id"]=> string(1) "9" ["title"]=> string(17) "Third article URL" ["name"]=> string(17) "third-article-url" ["checked_out"]=> string(1) "0" ["checked_out_time"]=> string(19) "0000-00-00 00:00:00" ["note"]=> string(0) "" ["state"]=> string(1) "1" ["access"]=> string(1) "1" ["created_time"]=> string(19) "2020-07-08 05:42:42" ["created_user_id"]=> string(4) "2351" ["ordering"]=> string(1) "0" ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#5538 (3) { ["data":protected]=> object(stdClass)#5541 (1) { ["relative"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#5540 (3) { ["data":protected]=> object(stdClass)#5543 (10) { ["hint"]=> string(0) "" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(1) "2" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["type"]=> string(3) "url" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> string(1) "3" ["label"]=> string(17) "Third article URL" ["description"]=> string(0) "" ["required"]=> string(1) "0" ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(16) "Related Articles" ["group_access"]=> string(1) "1" ["group_state"]=> string(1) "1" ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [4]=> object(stdClass)#5574 (32) { ["id"]=> string(1) "4" ["title"]=> string(9) "Video URL" ["name"]=> string(9) "video-url" ["checked_out"]=> string(1) "0" ["checked_out_time"]=> string(19) "0000-00-00 00:00:00" ["note"]=> string(0) "" ["state"]=> string(1) "1" ["access"]=> string(1) "1" ["created_time"]=> string(19) "2020-06-19 05:54:21" ["created_user_id"]=> string(4) "2351" ["ordering"]=> string(1) "1" ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#5542 (3) { ["data":protected]=> object(stdClass)#5545 (2) { ["filter"]=> string(0) "" ["maxlength"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#5544 (3) { ["data":protected]=> object(stdClass)#5547 (10) { ["hint"]=> string(0) "" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(1) "2" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["type"]=> string(4) "text" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> string(1) "2" ["label"]=> string(9) "Video URL" ["description"]=> string(0) "" ["required"]=> string(1) "0" ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(22) "Summary points + video" ["group_access"]=> string(1) "1" ["group_state"]=> string(1) "1" ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [6]=> object(stdClass)#5575 (32) { ["id"]=> string(1) "6" ["title"]=> string(33) "Image Caption / Video description" ["name"]=> string(31) "image-caption-video-description" ["checked_out"]=> string(1) "0" ["checked_out_time"]=> string(19) "0000-00-00 00:00:00" ["note"]=> string(0) "" ["state"]=> string(1) "1" ["access"]=> string(1) "1" ["created_time"]=> string(19) "2020-06-25 16:29:55" ["created_user_id"]=> string(4) "2351" ["ordering"]=> string(1) "2" ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#5546 (3) { ["data":protected]=> object(stdClass)#5549 (2) { ["filter"]=> string(0) "" ["maxlength"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#5548 (3) { ["data":protected]=> object(stdClass)#5551 (10) { ["hint"]=> string(0) "" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(0) "" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["type"]=> string(4) "text" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> string(1) "2" ["label"]=> string(33) "Image Caption / Video description" ["description"]=> string(0) "" ["required"]=> string(1) "0" ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(22) "Summary points + video" ["group_access"]=> string(1) "1" ["group_state"]=> string(1) "1" ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [3]=> object(stdClass)#5576 (32) { ["id"]=> string(1) "3" ["title"]=> string(6) "Status" ["name"]=> string(6) "status" ["checked_out"]=> string(1) "0" ["checked_out_time"]=> string(19) "0000-00-00 00:00:00" ["note"]=> string(0) "" ["state"]=> string(1) "1" ["access"]=> string(1) "1" ["created_time"]=> string(19) "2020-06-20 01:45:26" ["created_user_id"]=> string(4) "2351" ["ordering"]=> string(1) "3" ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#5550 (3) { ["data":protected]=> object(stdClass)#5556 (1) { ["options"]=> object(stdClass)#5554 (2) { ["options0"]=> object(stdClass)#5553 (2) { ["name"]=> string(8) "Inactive" ["value"]=> string(1) "0" } ["options1"]=> object(stdClass)#5555 (2) { ["name"]=> string(6) "Active" ["value"]=> string(1) "1" } } } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#5552 (3) { ["data":protected]=> object(stdClass)#5558 (10) { ["hint"]=> string(0) "" ["class"]=> string(9) "btn-group" ["label_class"]=> string(0) "" ["show_on"]=> string(0) "" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["type"]=> string(5) "radio" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> string(1) "2" ["label"]=> string(6) "Status" ["description"]=> string(0) "" ["required"]=> string(1) "0" ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(22) "Summary points + video" ["group_access"]=> string(1) "1" ["group_state"]=> string(1) "1" ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [5]=> object(stdClass)#5577 (32) { ["id"]=> string(1) "5" ["title"]=> string(22) " Essential information" ["name"]=> string(21) "essential-information" ["checked_out"]=> string(1) "0" ["checked_out_time"]=> string(19) "0000-00-00 00:00:00" ["note"]=> string(0) "" ["state"]=> string(1) "1" ["access"]=> string(1) "1" ["created_time"]=> string(19) "2020-06-25 06:10:20" ["created_user_id"]=> string(4) "2351" ["ordering"]=> string(1) "4" ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#5557 (3) { ["data":protected]=> object(stdClass)#5560 (4) { ["buttons"]=> string(0) "" ["width"]=> string(0) "" ["height"]=> string(0) "" ["filter"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#5559 (3) { ["data":protected]=> object(stdClass)#5562 (10) { ["hint"]=> string(0) "" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(0) "" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["type"]=> string(6) "editor" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> string(1) "2" ["label"]=> string(22) " Essential information" ["description"]=> string(35) "3 points that summarize the article" ["required"]=> string(1) "0" ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(22) "Summary points + video" ["group_access"]=> string(1) "1" ["group_state"]=> string(1) "1" ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [2]=> object(stdClass)#5578 (32) { ["id"]=> string(1) "2" ["title"]=> string(14) "Embedded Video" ["name"]=> string(14) "embedded-video" ["checked_out"]=> string(1) "0" ["checked_out_time"]=> string(19) "0000-00-00 00:00:00" ["note"]=> string(0) "" ["state"]=> string(1) "1" ["access"]=> string(1) "1" ["created_time"]=> string(19) "2020-06-20 01:43:32" ["created_user_id"]=> string(4) "2351" ["ordering"]=> string(1) "5" ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#5561 (3) { ["data":protected]=> object(stdClass)#5564 (4) { ["buttons"]=> string(0) "" ["width"]=> string(0) "" ["height"]=> string(0) "" ["filter"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#5563 (3) { ["data":protected]=> object(stdClass)#5566 (10) { ["hint"]=> string(29) "Paste your embedded code here" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(1) "2" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["type"]=> string(6) "editor" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> string(1) "2" ["label"]=> string(14) "Embedded Video" ["description"]=> string(0) "" ["required"]=> string(1) "0" ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(22) "Summary points + video" ["group_access"]=> string(1) "1" ["group_state"]=> string(1) "1" ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } } ["link"]=> string(41) "/borrow-money/what-is-a-good-credit-score" ["image"]=> string(43) "images/article-826x550/credit-report-ne.jpg" ["image_alt"]=> string(19) "a good credit score" } }