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As Australians become increasingly conscious of their environmental impact, many are turning to sustainable home improvements to reduce their carbon footprint and enhance energy efficiency. However, funding these upgrades can often be a barrier. Green loans provide a tailored solution, offering specialized financing options for environmentally friendly home improvements. This guide details everything you need to know about green loans in Australia, from what they are to how to secure one for your next project.

What are green loans?

Green loans are financial products designed specifically to fund projects that improve energy efficiency, utilize renewable energy, or offer other environmental benefits. These might include solar panel installations, energy-efficient appliances, or sustainable building materials. These loans are typically offered at lower interest rates or with more favorable terms than conventional loans to encourage homeowners to make eco-friendly choices.

Benefits of green loans for home improvements

Choosing a green loan for financing sustainable home projects comes with several advantages:

• Reduced interest rates: Many lenders offer reduced rates for green loans, making them more affordable than traditional financing options.
• Increased property value: Homes with sustainable improvements often have higher market values and appeal more to buyers interested in green living.
• Energy cost savings: Upgrading your home to be more energy-efficient can significantly decrease monthly utility bills.
• Environmental impact: By investing in green improvements, you are directly contributing to the reduction of your home's carbon footprint.

How to qualify for a green loan

Securing a green loan requires understanding the lender's criteria, which typically include:

• Project eligibility: The improvements must qualify as environmentally beneficial. Each lender has specific criteria defining eligible projects.
• Credit requirements: As with any loan, good credit scores and financial history help in securing better terms.
• Cost estimates: Providing detailed quotes or cost estimates for your project can be necessary to secure financing.

Finding the right lender for green loans in Australia

The key to finding the best green loan is to shop around and compare offers from various lenders. Look for:

• Interest rates: Compare the interest rates across different lenders to ensure you get the best deal.
• Loan terms: Consider the repayment period and any potential fees associated with the loan.
• Lender reputation: Opt for lenders known for their support towards green financing and customer satisfaction.

Tips for applying for green loans

• Detail your project: When applying, be clear about the specifics of your home improvement project and how it contributes to environmental sustainability.
• Check for subsidies: Some government initiatives offer rebates or subsidies for green home improvements, which can complement your financing.
• Prepare documentation: Have all necessary documentation ready, including cost estimates, your financial information, and details about your project.

Conclusion

Green loans are an excellent way for Australian homeowners to finance their sustainable home improvements. By understanding what green loans are, the benefits they offer, and how to successfully apply for one, you can take significant steps towards making your home more eco-friendly. With the right planning and financing, your green home project can enhance your living environment, reduce your energy costs, and contribute positively to the global effort to combat climate change.

---

This guide aims to equip you with all the necessary information to navigate the process of securing green loans in Australia. By making informed decisions and leveraging the right financial products, you can successfully finance your sustainable home improvements and contribute to a greener future.

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However, funding these upgrades can often be a barrier. Green loans provide a tailored solution, offering specialized financing options for environmentally friendly home improvements. This guide details everything you need to know about green loans in Australia, from what they are to how to secure one for your next project." 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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 ["check_access_rights"]=> int(0) ["access-view"]=> bool(true) } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["displayDate"]=> string(19) "2024-04-18 04:05:49" ["slug"]=> string(84) "18558:ultimate-guide-to-green-loans-financing-sustainable-home-projects-in-australia" ["event"]=> object(stdClass)#8674 (3) { ["afterDisplayTitle"]=> string(0) "" ["beforeDisplayContent"]=> string(132) "

• Yes

" ["afterDisplayContent"]=> string(0) "" } ["text"]=> string(4437) "

As Australians become increasingly conscious of their environmental impact, many are turning to sustainable home improvements to reduce their carbon footprint and enhance energy efficiency. However, funding these upgrades can often be a barrier. Green loans provide a tailored solution, offering specialized financing options for environmentally friendly home improvements. This guide details everything you need to know about green loans in Australia, from what they are to how to secure one for your next project.

What are green loans?

Green loans are financial products designed specifically to fund projects that improve energy efficiency, utilize renewable energy, or offer other environmental benefits. These might include solar panel installations, energy-efficient appliances, or sustainable building materials. These loans are typically offered at lower interest rates or with more favorable terms than conventional loans to encourage homeowners to make eco-friendly choices.

Benefits of green loans for home improvements

Choosing a green loan for financing sustainable home projects comes with several advantages:

• Reduced interest rates: Many lenders offer reduced rates for green loans, making them more affordable than traditional financing options.
• Increased property value: Homes with sustainable improvements often have higher market values and appeal more to buyers interested in green living.
• Energy cost savings: Upgrading your home to be more energy-efficient can significantly decrease monthly utility bills.
• Environmental impact: By investing in green improvements, you are directly contributing to the reduction of your home's carbon footprint.

How to qualify for a green loan

Securing a green loan requires understanding the lender's criteria, which typically include:

• Project eligibility: The improvements must qualify as environmentally beneficial. Each lender has specific criteria defining eligible projects.
• Credit requirements: As with any loan, good credit scores and financial history help in securing better terms.
• Cost estimates: Providing detailed quotes or cost estimates for your project can be necessary to secure financing.

Finding the right lender for green loans in Australia

The key to finding the best green loan is to shop around and compare offers from various lenders. Look for:

• Interest rates: Compare the interest rates across different lenders to ensure you get the best deal.
• Loan terms: Consider the repayment period and any potential fees associated with the loan.
• Lender reputation: Opt for lenders known for their support towards green financing and customer satisfaction.

Tips for applying for green loans

• Detail your project: When applying, be clear about the specifics of your home improvement project and how it contributes to environmental sustainability.
• Check for subsidies: Some government initiatives offer rebates or subsidies for green home improvements, which can complement your financing.
• Prepare documentation: Have all necessary documentation ready, including cost estimates, your financial information, and details about your project.

Conclusion

Green loans are an excellent way for Australian homeowners to finance their sustainable home improvements. By understanding what green loans are, the benefits they offer, and how to successfully apply for one, you can take significant steps towards making your home more eco-friendly. With the right planning and financing, your green home project can enhance your living environment, reduce your energy costs, and contribute positively to the global effort to combat climate change.

---

This guide aims to equip you with all the necessary information to navigate the process of securing green loans in Australia. By making informed decisions and leveraging the right financial products, you can successfully finance your sustainable home improvements and contribute to a greener future.

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string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } } ["link"]=> string(98) "/borrow-money/loans/ultimate-guide-to-green-loans-financing-sustainable-home-projects-in-australia" ["image"]=> string(125) "https://res.cloudinary.com/momentum-media-group-pty-ltd/image/upload/v1713413058/pexels-karolina-grabowska-4968631_v4mbda.jpg" ["image_alt"]=> string(79) "Ultimate guide to green loans: Financing sustainable home projects in Australia" } [1]=> object(stdClass)#8031 (57) { ["id"]=> int(18552) ["title"]=> string(74) "Open Banking data proves superior to screen scraping, Frollo study reveals" ["alias"]=> string(73) "open-banking-data-proves-superior-to-screen-scraping-frollo-study-reveals" ["introtext"]=> string(2419) "

Frollo, a leading Open Banking provider in Australia, has published a study demonstrating the superior quality of data obtained through Open Banking compared to traditional screen scraping methods, according to a media release issued on April 3, 2024.

The two-month study, conducted by Frollo's Head of Data Science, Dr Zhitao Xiong, analysed anonymised data from 9.7 million CDR transactions and 1.3 million screen-scraped transactions within the Frollo money management app between November 2023 and January 2024.

The results highlight the advantages of Open Banking in providing richer data and cleaner operations. Dr Xiong explained, "While screen scraping has been a common practice, it inherently limits the data available. Open Banking provides a standardised and secure way to access crucial details like merchant category codes and biller codes, enabling deeper financial insights."

The study revealed that Open Banking provides merchant names in over 52% of transactions, compared to just 31.7% for screen scraping, leading to a more comprehensive understanding of user spending habits.

Furthermore, CDR data was found to contain only 14% irrelevant words, compared to 34% in screen-scraped data, resulting in a smoother user experience. Frollo users re-categorize screen-scraped transactions 30% more often than CDR-powered transactions.

Frollo's Chief Customer Officer, Simon Docherty, emphasized the importance of data quality, stating, "High-quality data is the cornerstone of accurate financial insights. For use cases like lending and money management, Open Banking provides the clean and comprehensive data essential for responsible credit decisions and personalised financial products. This empowers institutions to offer a superior customer experience, save time, and manage risk more effectively."

The results of this study align with previous research by Frollo, which compared the transaction categorisation accuracy of its own CDR-powered Financial Passport with those of screen scraping-based competitors, showing CDR to deliver significantly better results.

As Australia continues to embrace Open Banking, Frollo remains committed to empowering businesses with CDR data to create a more personalised and data-driven customer experience, ultimately leading to better, more accessible, and more efficient banking for all Australians.

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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 ["check_access_rights"]=> int(0) ["access-view"]=> bool(true) } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["displayDate"]=> string(19) "2024-04-07 22:50:28" ["slug"]=> string(79) "18552:open-banking-data-proves-superior-to-screen-scraping-frollo-study-reveals" ["event"]=> object(stdClass)#8685 (3) { ["afterDisplayTitle"]=> string(0) "" ["beforeDisplayContent"]=> string(132) "

• Yes

" ["afterDisplayContent"]=> string(0) "" } ["text"]=> string(2645) "

Frollo, a leading Open Banking provider in Australia, has published a study demonstrating the superior quality of data obtained through Open Banking compared to traditional screen scraping methods, according to a media release issued on April 3, 2024.

The two-month study, conducted by Frollo's Head of Data Science, Dr Zhitao Xiong, analysed anonymised data from 9.7 million CDR transactions and 1.3 million screen-scraped transactions within the Frollo money management app between November 2023 and January 2024.

The results highlight the advantages of Open Banking in providing richer data and cleaner operations. Dr Xiong explained, "While screen scraping has been a common practice, it inherently limits the data available. Open Banking provides a standardised and secure way to access crucial details like merchant category codes and biller codes, enabling deeper financial insights."

The study revealed that Open Banking provides merchant names in over 52% of transactions, compared to just 31.7% for screen scraping, leading to a more comprehensive understanding of user spending habits.

Furthermore, CDR data was found to contain only 14% irrelevant words, compared to 34% in screen-scraped data, resulting in a smoother user experience. Frollo users re-categorize screen-scraped transactions 30% more often than CDR-powered transactions.

Frollo's Chief Customer Officer, Simon Docherty, emphasized the importance of data quality, stating, "High-quality data is the cornerstone of accurate financial insights. For use cases like lending and money management, Open Banking provides the clean and comprehensive data essential for responsible credit decisions and personalised financial products. This empowers institutions to offer a superior customer experience, save time, and manage risk more effectively."

The results of this study align with previous research by Frollo, which compared the transaction categorisation accuracy of its own CDR-powered Financial Passport with those of screen scraping-based competitors, showing CDR to deliver significantly better results.

As Australia continues to embrace Open Banking, Frollo remains committed to empowering businesses with CDR data to create a more personalised and data-driven customer experience, ultimately leading to better, more accessible, and more efficient banking for all Australians.

Write comment (0 Comments) " ["jcfields"]=> array(9) { [1]=> object(stdClass)#8713 (33) { ["id"]=> int(1) ["title"]=> string(17) "Automatic tagging" ["name"]=> string(17) "automatic-tagging" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2018-08-29 05:26:30" ["created_user_id"]=> int(2355) ["ordering"]=> int(-1) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#8423 (3) { ["data":protected]=> object(stdClass)#8531 (1) { ["options"]=> object(stdClass)#8529 (2) { ["options0"]=> object(stdClass)#8528 (2) { ["name"]=> string(3) "Yes" ["value"]=> string(1) "1" } ["options1"]=> object(stdClass)#8530 (2) { ["name"]=> string(2) "No" ["value"]=> string(1) "0" } } } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#8485 (3) { ["data":protected]=> object(stdClass)#8486 (6) { ["hint"]=> string(0) 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A recent study by TradersBest has uncovered a significant gender disparity on the world's banknotes, with findings indicating that out of 716 individuals featured across 115 countries, only 54 are women.

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This equates to a mere 7.54% representation, showcasing an overwhelming dominance of male figures on currency, as 662 are men.

The United Kingdom, comprising England, Scotland, and Wales, leads the world with the highest number of women represented on its banknotes. England and Wales prominently feature Queen Elizabeth The Queen Mother and Queen Elizabeth II. Scotland's currency adds to this royal representation and further celebrates influential women such as Nan Shepherd, Catherine Cranston, Jane Austen, Mary Somerville, Mary Slessor, Elsie Inglis, and Flora Stevenson for their significant contributions across various fields.

Australia ranks second for its depiction of women on banknotes, recognising remarkable individuals including Edith Cowan, Queen Elizabeth II, Mary Gilmore, Nellie Melba, and Mary Reibey. These women have made notable impacts in social reform, literature, music, and the early business landscape of Australia.

Mexico holds the third spot, honouring four influential women: Sor Juana Inés de la Cruz, Hermila Galindo, Carmen Serdán, and Frida Kahlo, each celebrated for her contributions to literature, activism, revolution, and art respectively.

Sweden, Denmark, and Canada share the fourth position, each showcasing three notable women on their currencies. Sweden recognises Astrid Lindgren, Greta Garbo, and Birgit Nilsson; Denmark features Anna Ancher, Karen Blixen, and Johanne Luise Heiberg; while Canada commemorates Agnes Macphail, Viola Desmond, and Queen Elizabeth II for their historic roles in politics, civil rights, and the monarchy.

In contrast, the United States, along with other significant countries like North Korea, Russia, China, South Africa, and India, fails to feature any women on their current banknotes. It is noted, however, that Martha Washington is the first and only woman to have been the primary portrait on US paper currency, appearing on the $1 Silver Certificate.

Beyond queens and royals, women from various walks of life including authors, scientists, and activists, have found their place on currencies worldwide. Queen Elizabeth II emerges as the most depicted woman globally, with other royal figures such as Queen Tamar of Georgia and Queen Teuta of Albania also featured on their respective countries' banknotes.

This study's revelations come as International Women’s Day approaches, sparking discourse on the gender biases that shape perceptions and representations globally. The comprehensive analysis involved reviewing information from central banks, bureaus of printing and engraving, and leveraging data from Wikipedia, to ensure the accuracy and inclusiveness of the findings.

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A recent study by TradersBest has uncovered a significant gender disparity on the world's banknotes, with findings indicating that out of 716 individuals featured across 115 countries, only 54 are women.

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A recent study indicated that JPMorgan Chase has positioned itself as the leading force among financial institutions embracing artificial intelligence (AI) for enhancing customer satisfaction and spurring innovation.

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The analysis conducted by Stocklytics.com assigns the American multinational finance corporation an impressive AI adoption score of 69.3. This evaluation stemmed from over 100 indicators, spanning talent, innovation, leadership, and transparency.

Edith Reads, a financial expert at Stocklytics, shed light on why JPMorgan Chase stands out in the AI adoption landscape. "A key factor contributing to JPMorgan Chase's performance is its emphasis on transparency and ethical practices in deploying AI," Reads elaborated. She highlighted the bank's commitment to the responsible utilization of AI technologies, underscoring its achievement in fostering integrity and accountability throughout its organization.

The report also delves into JPMorgan's implementation of AI-powered large language models for payment validation screening, an initiative it has sustained for over two years. With a significant ramp-up in AI research output from 30% in 2018 to 45% in 2023, the banking giant has demonstrated a strong commitment to investing in AI talent. The bank reportedly boasts a team of over 200 AI researchers, considerably overtaking the Royal Bank of Canada, its nearest competition, by more than fourfold.

Teresa Heitsenrether, JPMorgan Chase's Chief Data & Analytics Officer, expressed pride in the recognition of the bank's AI capabilities. "We are proud that our AI talent, insights, and solutions were once again recognized as best-in-class," Heitsenrether stated. She affirmed the bank's continued investment in these capabilities as a means to better serve their clients and communities.

Aside from JPMorgan Chase, the study identified other noteworthy competitors in the global AI race, including Capital One with an AI score of 62.4 and the Royal Bank of Canada (RBC) with 51.7. These institutions have been active in AI through patents, research initiatives, and strategic partnerships, positioning themselves as formidable players in the AI sphere.

The analysis further highlighted that North American banks dominate the global AI sector, with six of the top ten banks by AI activity hailing from the region. Additionally, the report projected AI technologies to potentially save banks and financial institutions more than $1 trillion by 2030, emphasizing the transformative impact AI is expected to have on the future of banking.

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A recent study indicated that JPMorgan Chase has positioned itself as the leading force among financial institutions embracing artificial intelligence (AI) for enhancing customer satisfaction and spurring innovation.

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The Electronic Transactions Association (ETA), a prominent advocacy and trade association for the payments industry, has recognized Exact Payments as one of the Top 10 Payments Independent Software Vendors (ISV) for 2024.

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This designation is given to ISVs that have significantly impacted the payments industry through innovation, the introduction of novel products, and the advancement of technology. The announcement precedes the ETA's annual TRANSACT conference, which will be held from April 17 to 19, 2024, in Las Vegas, Nevada.

Exact Payments, based in Scottsdale, Arizona, offers technology that enables Independent Software Vendors to integrate payment processing capabilities into their platforms efficiently. The company’s cloud-native, API-first solution is designed to simplify the merchant onboarding process, enable the activation of diverse payment methods promptly, and create new revenue opportunities for businesses in both B2B and B2C sectors. The aim of Exact’s payment services is to enhance buying experiences for customers, improve the engagement with software products, and foster business growth.

Phil Levy, CEO of Exact Payments, commented on the recognition, "Being selected by the ETA as a Top 10 Payments ISV is a testament to our team's dedication to the mission of building the easiest-to-integrate and most scalable Embedded Payments technology for our ISV customers."

Jodie Kelly, CEO of ETA, shed light on the selection process, stating, "We saw so many nominations this year, highlighting the talent, bold ideas, and impact of countless members and organizations in our industry. These were extremely tough decisions, we are proud of the winners and nominees alike and cannot wait to celebrate your success at TRANSACT."

This acknowledgment places Exact Payments among a select group of companies recognized for their innovation and influence in the payments industry. The ETA, with over three decades of experience, plays a crucial role in advocating for and supporting advancements in the payments sector.

The upcoming TRANSACT conference, hosted by the ETA, is expected to feature over 100 presenters and provide a multitude of educational sessions for payments industry professionals. The event will offer an opportunity for industry participants to network and share knowledge within the payments ecosystem. Exact Payments plans to showcase its payment integration platform at the conference, further demonstrating the company’s contributions to evolving payment solutions for software companies globally.

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• No

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The Electronic Transactions Association (ETA), a prominent advocacy and trade association for the payments industry, has recognized Exact Payments as one of the Top 10 Payments Independent Software Vendors (ISV) for 2024.

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string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } } ["link"]=> string(118) "/borrow-money/banking/exact-payments-acknowledged-as-a-leading-payments-isv-by-the-electronic-transactions-association" ["image"]=> string(110) "https://res.cloudinary.com/momentum-media-group-pty-ltd/image/upload/v1708902029/exact-payments-eta_vqj4zf.jpg" ["image_alt"]=> string(96) "Exact Payments acknowledged as a leading payments ISV by the Electronic Transactions Association" } [5]=> object(stdClass)#8027 (57) { ["id"]=> int(18408) ["title"]=> string(58) "Top strategies for improving your credit score in 6 months" ["alias"]=> string(58) "top-strategies-for-improving-your-credit-score-in-6-months" ["introtext"]=> string(269) "

Maintaining a healthy credit score is essential for financial wellbeing, especially in Australia where credit scores significantly influence loan and credit card approvals.

" ["fulltext"]=> string(5339) "

Improving your credit score can seem daunting, but with the right strategies, it’s possible to see a notable improvement within six months. This article explores practical ways to enhance your credit score efficiently.

Top strategies for improving your credit score in 6 months

Understand your credit report

The first step in improving your credit score is understanding your current credit report. In Australia, credit reporting bodies like Equifax, Experian, and Illion provide these reports.

Review your report for any errors or discrepancies, as these can unfairly lower your score. If you find inaccuracies, dispute them with the credit bureau.

Pay bills on time

Your payment history is a critical factor in your credit score. Late payments can significantly damage your score.

Set reminders or automate payments to ensure all bills, including utilities and credit cards, are paid on time. Consistently meeting payment deadlines over six months can positively impact your score.

Reduce credit card balances

High credit card balances relative to your credit limits can hurt your credit score. Aim to keep your credit utilisation ratio below 30 per cent of your available credit.

Paying down existing balances and not accumulating new debt will demonstrate responsible credit management, thus improving your score.

Limit new credit applications

Each time you apply for credit, a hard inquiry is recorded on your credit report, temporarily lowering your score. Limit new credit applications during these six months. Instead, focus on managing existing credit effectively.

Diversify your credit mix

Having a mix of credit types, such as a credit card, a personal loan, or a mortgage, can positively influence your score, provided they are all managed well. However, don’t open new accounts solely to improve your mix; it’s more important to handle existing accounts responsibly.

Deal with outstanding debts

Address any outstanding debts, especially those in collections. Negotiate with creditors to develop a payment plan. Clearing these debts can remove negative marks from your credit report, improving your score.

Regularly monitor your credit score

Regular monitoring helps you track your progress and understand how your financial behaviours impact your score. Many Australian financial institutions offer free credit score checks to their customers.

Be patient and consistent

Improving a credit score is a marathon, not a sprint. It requires consistent financial behaviour over time. While significant improvements can be seen in six months, continue practising good credit habits beyond this period.

---

To boost your credit score within six months is achievable with disciplined financial management.

By understanding your credit report, paying bills on time, reducing credit card balances, limiting new credit applications, diversifying your credit mix, dealing with outstanding debts, and regularly monitoring your score, you can enhance your financial standing and borrowing power.

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Maintaining a healthy credit score is essential for financial wellbeing, especially in Australia where credit scores significantly influence loan and credit card approvals.

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NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(16) "Related Articles" ["group_access"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [9]=> object(stdClass)#8814 (33) { ["id"]=> int(9) ["title"]=> string(17) "Third article URL" ["name"]=> string(17) "third-article-url" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2020-07-08 05:42:42" ["created_user_id"]=> int(2351) ["ordering"]=> int(0) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#8767 (3) { ["data":protected]=> object(stdClass)#8643 (1) { ["relative"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#8684 (3) { ["data":protected]=> object(stdClass)#8765 (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":protected]=> string(1) "." } ["type"]=> string(3) "url" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(3) ["label"]=> string(17) "Third article URL" ["description"]=> string(0) "" ["required"]=> int(0) ["only_use_in_subform"]=> int(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"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [4]=> object(stdClass)#8815 (33) { ["id"]=> int(4) ["title"]=> string(9) "Video URL" ["name"]=> string(9) "video-url" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2020-06-19 05:54:21" ["created_user_id"]=> int(2351) ["ordering"]=> int(1) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#8764 (3) { ["data":protected]=> object(stdClass)#8662 (2) { ["filter"]=> string(0) "" ["maxlength"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#8753 (3) { ["data":protected]=> object(stdClass)#8774 (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":protected]=> string(1) "." } ["type"]=> string(4) "text" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(2) ["label"]=> string(9) "Video URL" ["description"]=> string(0) "" ["required"]=> int(0) ["only_use_in_subform"]=> int(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"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [6]=> object(stdClass)#8816 (33) { ["id"]=> int(6) ["title"]=> string(33) "Image Caption / Video description" ["name"]=> string(31) "image-caption-video-description" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2020-06-25 16:29:55" ["created_user_id"]=> int(2351) ["ordering"]=> int(2) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#8739 (3) { ["data":protected]=> object(stdClass)#8772 (2) { ["filter"]=> string(0) "" ["maxlength"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#8564 (3) { ["data":protected]=> object(stdClass)#8770 (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":protected]=> string(1) "." } ["type"]=> string(4) "text" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(2) ["label"]=> string(33) "Image Caption / Video description" ["description"]=> string(0) "" ["required"]=> int(0) ["only_use_in_subform"]=> int(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"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [3]=> object(stdClass)#8820 (33) { ["id"]=> int(3) ["title"]=> string(6) "Status" ["name"]=> string(6) "status" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2020-06-20 01:45:26" ["created_user_id"]=> int(2351) ["ordering"]=> int(3) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#8773 (3) { ["data":protected]=> object(stdClass)#8758 (1) { ["options"]=> object(stdClass)#8755 (2) { ["options0"]=> object(stdClass)#8768 (2) { ["name"]=> string(8) "Inactive" ["value"]=> string(1) "0" } ["options1"]=> object(stdClass)#8756 (2) { ["name"]=> string(6) "Active" ["value"]=> string(1) "1" } } } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#8771 (3) { ["data":protected]=> object(stdClass)#8763 (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":protected]=> string(1) "." } ["type"]=> string(5) "radio" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(2) ["label"]=> string(6) "Status" ["description"]=> string(0) "" ["required"]=> int(0) ["only_use_in_subform"]=> int(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"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [5]=> object(stdClass)#8817 (33) { ["id"]=> int(5) ["title"]=> string(22) " Essential information" ["name"]=> string(21) "essential-information" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2020-06-25 06:10:20" ["created_user_id"]=> int(2351) ["ordering"]=> int(4) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#8769 (3) { ["data":protected]=> object(stdClass)#8792 (4) { ["buttons"]=> string(0) "" ["width"]=> string(0) "" ["height"]=> string(0) "" ["filter"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#8757 (3) { ["data":protected]=> object(stdClass)#8794 (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":protected]=> string(1) "." } ["type"]=> string(6) "editor" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(2) ["label"]=> string(22) " Essential information" ["description"]=> string(35) "3 points that summarize the article" ["required"]=> int(0) ["only_use_in_subform"]=> int(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"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [2]=> object(stdClass)#8818 (33) { ["id"]=> int(2) ["title"]=> string(14) "Embedded Video" ["name"]=> string(14) "embedded-video" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2020-06-20 01:43:32" ["created_user_id"]=> int(2351) ["ordering"]=> int(5) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#8791 (3) { ["data":protected]=> object(stdClass)#8796 (4) { ["buttons"]=> string(0) "" ["width"]=> string(0) "" ["height"]=> string(0) "" ["filter"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#8793 (3) { ["data":protected]=> object(stdClass)#8798 (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":protected]=> string(1) "." } ["type"]=> string(6) "editor" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(2) ["label"]=> string(14) "Embedded Video" ["description"]=> string(0) "" ["required"]=> int(0) ["only_use_in_subform"]=> int(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"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } } ["link"]=> string(84) "/borrow-money/credit-card/top-strategies-for-improving-your-credit-score-in-6-months" ["image"]=> string(150) "https://res.cloudinary.com/momentum-media-group-pty-ltd/image/upload/v1701140525/Top_strategies_for_improving_your_credit_score_in_6_months_wkeoh4.png" ["image_alt"]=> string(58) "Top strategies for improving your credit score in 6 months" } }