In the final episode of The nestegg Podcast for 2021, host Maja Garaca Djurdjevic checks in with our three experts to hear their final thoughts on the year that’s passed and their hopes for the next 12 months.
" ["fulltext"]=> string(1011) "Steve Waters, director of Right Property Group, talks Christmas selling season and opens up about the key lessons that he’s learnt this year that he will gladly take forward with him into 2022.
RMIT senior lecturer of finance Dr Angel Zhong covers meme stock ETFs as well as provides her thoughts on next year’s economic outlook.
Finally, tax and super guru Timothy Munro shares his end of year financial checklist and some handy tips that could help you keep your credit card in check over the gifting season.
Tune in to hear more below.
Have a question for our experts? Get in touch at [email protected], and you might get featured on the next episode.
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While the end of the financial year is still a couple of months away, you can take action now to help maximise your tax return.
Write comment (0 Comments) " ["fulltext"]=> string(4973) "If you tend to not think about your taxes until they’re already due, you could be causing yourself unnecessary hassle and may even be missing out on opportunities to boost your refund.
H&R Block director of tax communications Mark Chapman told nestegg that individuals should take the time to gather the information they will need to help them prepare their tax returns.
This includes invoices and receipts for work-related expenses as well as bank and credit card statements that contain work-related expenses which you don’t have receipts or invoices for.
“If you don’t have the paperwork, you can’t claim a deduction so it makes sense to set aside this time in advance of the end of the financial year to spare yourself a stressful document hunt whilst you’re actually in the process of getting your return prepared!” Mr Chapman said.
“In addition, if you’re claiming any expenses that have a work-related element and a private element (such as for the use of a personal mobile phone), set some time aside to work out what a reasonable apportionment is for the work-related bit.”
If you’re unsure about what is claimable, he suggested that individuals should still collect their receipts or invoices and discuss them with their tax agent.
Furthermore, Mr Chapman noted that it was not too late to do some tax planning to boost your refund for the current financial year.
Taxpayers can make a donation of $2 or more to a registered charitable organisation and then claim a deduction, so long as they have a receipt.
Tax deductions can also be claimed this year for expenses that wholly or partly relate to the following year.
“If you have some spare cash, consider paying things like union fees, professional subscriptions and annual insurance premiums in advance in order to accelerate the deduction,” said Mr Chapman.
Additionally, Aussies have the opportunity to make a tax deductible contribution to their superannuation.
“If you have some spare cash, look at making a personal contribution into your super fund,” Mr Chapman suggested.
“Provided the total amount of your contributions (including the contributions made on your behalf by your employer) does not exceed $27,500, this can be a great way to boost your retirement savings and claim a tax deduction for the personal contribution.”
The payment needs to be made by 30 June and individuals must advise their fund that they’ve made the payment by the time they lodge their tax return.
Top tips for tax time
Mr Chapman also outlined four top tips that Aussies should keep in mind when lodging their tax returns.
Firstly, he highlighted that individuals should ensure that they claim what they are entitled to.
“If you have spent something as part of your work, and you have the paperwork to prove it, claim it,” he stated.
This may include the costs of using your own car for work (excluding driving to and from work) and the cost of travelling for work such as meals and accommodation.
The costs of tools and other equipment can also be claimed, with items costing $300 or less deductible in the year you buy them, while items valued over $300 can be claimed progressively over the course of their lifespan.
“Things you could claim include tools for a tradie, a laptop for an office worker or even a handbag or briefcase used to carry work papers,” said Mr Chapman.
While encouraging taxpayers to be sure to claim what they’re entitled to, Mr Chapman also warned that they should not embellish their deductions in his second tip.
“You can only claim what you’ve spent. So, don’t inflate deductions in order to get a bigger refund and only claim for costs you can prove you spent, by producing an invoice, receipt or bank statement for instance,” he said.
The third tip relates to pre-filled data from the ATO, which Mr Chapman said should not be relied upon as many third parties such as banks do not pass on information until late July or early August, leaving early lodgers with a lot of missing data.
“If you omit income and get questioned by the ATO, the legal burden will be on you, even though you’ve taken the information straight from the ATO’s systems,” he warned.
“Most tax accountants won’t rely on pre-filled data but will work from your own source documents. This minimises the chances of missing income data for those who prefer to lodge early.”
For his final tip, Mr Chapman suggested that individuals should get help with their tax.
“This ensures the return will be accurate and complete, whilst an experienced agent will usually be good at sniffing out obscure tax deductions you didn’t know you could claim. Best of all, the tax agent’s fee is deductible,” he concluded.
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["alias"]=> string(48) "what-issues-will-be-on-the-ato-s-radar-this-year" ["introtext"]=> string(292) "H&R Block has outlined two main areas that the tax office is expected to focus on.
Write comment (0 Comments) " ["fulltext"]=> string(3697) "Work-related expenses and claims related to investment properties are set to be firmly in the sights of the ATO at tax time this year.
H&R Block director of tax communications Mark Chapman explained that each year, the tax office targets particular areas where taxpayers are prone to making errors either accidentally or deliberately.
“The ATO recently claimed that there was an $8.7 billion shortfall between the tax individuals are expected to pay and the tax they actually are paying,” he said.
“The ATO believes that work-related expenses claims are the biggest element in that ‘tax gap’ and have signalled that they’ll be looking closely at these deductions this year.”
Mr Chapman said that deductions for home office use, including claiming for ‘occupation’ costs such as rent, rates and mortgage interest, would be one target area for the ATO.
He noted that these deductions are not allowable unless an individual is actually running a business from home.
Costs for mobile phones and internet will also be another target area, especially for those claiming all or a significant portion of their bills as work-related.
“The focus on home office, mobile phone and home internet costs is likely to be particularly pronounced with so many people working from home due to COVID-19,” said Mr Chapman.
Other anticipated focus areas include claims for work-related clothing, dry cleaning and laundry expenses, COVID-related tax deductions including quarantine expenses and protective equipment, overtime meal claims, and union fees and subscriptions.
The ATO is also honing in on individuals who use the 72 cent per kilometre flat rate for motor vehicle claims, as Mr Chapman noted that the tax office is concerned too many people are automatically claiming the maximum 5,000 kilometres that is able to be claimed under the method.
Furthermore, the ATO is concerned that some taxpayers are claiming work-related expenses of $300 or slightly less, which can be claimed without receipts, when they haven’t actually incurred these expenses.
“H&R Block’s top tip before making any claim is to be confident that you understand what you can and can’t claim and that you have the necessary proof (invoices, receipts, diaries, etc) that you actually incurred the expenditure and that it was work or business related,” Mr Chapman said.
Focus on investment properties
Greater scrutiny of deduction claims related to investment properties is expected this year, as Mr Chapman pointed out that recent ATO audits found errors in 90 per cent of returns.
“The focus on investment property owners is likely to be particularly pronounced because rental losses are likely to be bigger than normal this year due to the hit that rental returns have taken during the COVID-19 crisis,” he added.
In particular, the ATO predicted that they would look at excessive interest expense claims, the incorrect apportionment of rental income and expenses between owners, and incorrect claims for newly purchased rental properties.
Additionally, rental property owners have been warned to only claim for periods where a property is rented out or is genuinely available for rent and not when a property is used as a personal holiday home.
“The golden rule is, 'if you can’t substantiate it, you can’t claim it,' so it’s essential to keep invoices, receipts and bank statements for all property expenditure, as well as proof that your property was available for rent, such as rental listings,” Mr Chapman suggested.
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["alias"]=> string(44) "are-property-investors-pushing-prices-higher" ["introtext"]=> string(306) "The average price for investment properties was found to be nearly $170,000 below the mean national property price.
Write comment (0 Comments) " ["fulltext"]=> string(2687) "New analysis from BMT Tax Depreciation has indicated that the average value of investment properties in Australia is significantly lower than the average value of properties overall.
Based on tax depreciation schedules prepared by the firm during the December quarter, BMT found that the average purchase price of investment properties was $751,800.
In comparison, the Australian Bureau of Statistics (ABS) reported last month that the mean national property price was $920,100 during the same period.
“We know from both our own data, and data from the ATO, that property investors are mostly ‘Mum and Dad’ type investors with one investment property,” said BMT CEO Bradley Beer.
“They are typical Aussies using investment properties to boost their retirement nest eggs.”
Mr Beer said that the firm’s findings challenged the view that wealthy property investors were responsible for driving up property prices and that tax incentives associated with property investment had encouraged investors to enter the market to compete with owner occupiers.
“The average property investor is simply making an investment choice based on cash flow and the potential for long-term capital gain. They are not competing at either the top or the bottom of the market,” he argued.
Additionally, Mr Beer noted that even though property investors are often viewed as being wealthy high-income earners, 74 per cent of those who own investment properties earn less than $100,000 per year, according to data from the ATO.
“Private Mum and Dad investors fund the majority of affordable rental housing in Australia,” he said.
“With a looming rental crisis in many regions and a shortage of affordable housing and rentals, government should concentrate on increasing supply of housing and be careful of making changes to negative gearing and other incentives available to property investors.”
The ABS recently reported that the value of investor loan commitments fell 1.8 per cent to $10.8 billion in February, the first fall since October 2020.
Lower investor loan commitments were recorded in the ACT (-11.9 per cent), NSW (-5.5 per cent), South Australia (-4.8 per cent) and Queensland (-2.6) during the month.
Meanwhile, the value of investor loan commitments remained flat in Victoria and rose in Western Australia (6.8 per cent) and Tasmania (2.8 per cent).
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Write comment (0 Comments) " ["jcfields"]=> array(9) { [1]=> object(stdClass)#7450 (32) { ["id"]=> string(1) "1" ["title"]=> string(17) "Automatic tagging" ["name"]=> string(17) "automatic-tagging" ["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) "2018-08-29 05:26:30" ["created_user_id"]=> string(4) "2355" ["ordering"]=> string(2) "-1" ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#7308 (3) { ["data":protected]=> object(stdClass)#7249 (1) { ["options"]=> object(stdClass)#7235 (2) { ["options0"]=> object(stdClass)#7244 (2) { ["name"]=> string(3) "Yes" ["value"]=> string(1) "1" } ["options1"]=> object(stdClass)#7233 (2) { ["name"]=> string(2) "No" ["value"]=> string(1) "0" } } } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#7164 (3) { 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Write comment (0 Comments) " ["fulltext"]=> string(2885) "More evidence of the great resignation in Australia has emerged with a new survey finding that 22 per cent of Aussie workers were considering leaving their current place of employment during the first quarter.
NAB found that full-time workers were more likely to be considering leaving their current job in the next 12 months (23 per cent) in comparison to part-time workers (19 per cent).
A further 41 per cent of all workers said they weren’t considering leaving but were keeping up to date with potential job opportunities, including 45 per cent of full-time and 37 per cent of part-time employees.
Younger workers in the 18 to 29 age group were the most likely to be considering a change (24 per cent) and to not be considering a change but still be keeping up with potential opportunities (50 per cent).
Older age groups were progressively less likely to be considering leaving their job, dropping to only 13 per cent of workers aged over 65.
“COVID-19 has fundamentally changed the workplace, blending work and life with lasting impacts on workplace culture, employee attitudes and expectations,” said NAB.
The survey found that Aussies were spending 38 per cent of their work week at home but wanted to ideally be spending 49 per cent.
Meanwhile, more than one in four workers said they were very much looking forward to getting back to the workplace.
“While working from home has been a positive experience for many, remote working can also result in some employees feeling less connected to colleagues and struggling to manage work-life balance,” NAB said.
Men were more likely to want to go back to the workplace (31 per cent) than women (21 per cent) while workers aged under 50 were the most keen to return.
Commute time is the biggest barrier to returning according to 40 per cent of workers, and about one in four said they would be extremely likely to consider changing jobs if it meant a reduction in travel time.
Other barriers to returning included fear of catching COVID-19 or transmitting it to others (33 per cent), traffic congestion (31 per cent) and loss of flexibility for exercise and other activities (30 per cent).
Workers were also concerned about changing their routines (27 per cent), spending less time with family and friends (26 per cent) and the cost of public transport (25 per cent).
“Flexible working has become considerably more important in attracting and retaining talent as many employees have grown accustomed to less traditional work hours,” NAB said.
“Some businesses may require a more compelling employee proposition to prevent costly and time-consuming people movement. With the labour market expected to remain tight, the relationship between the employee and employer is now much less one-sided.”
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Write comment (0 Comments) " ["fulltext"]=> string(3177) "A new global study from HR firm Randstad has found that 32 per cent of Gen Z and 28 per cent of Millennials are actively seeking new roles.
These younger generations are driving a shift in the dynamic between employers and employees, according to Randstad, with nearly half of Gen Z and Millennials noting that they would decline a job that didn’t align with their values on social and environmental issues.
Additionally, 56 per cent of Gen Z and 55 per cent of Millennials said they would quit their job if it was preventing them from enjoying their life, compared to just 38 per cent of Baby Boomers.
As further evidence of the great resignation, Randstad noted that 70 per cent of workers globally and 64 per cent of those in Australia are open to new job opportunities.
“There’s a clear power shift under way in offices around the globe, including Australia, driven by a workforce still recovering from the pandemic,” said Randstad ANZ CEO Nick Pesch.
“Many workers are rethinking priorities and choosing to prioritise personal fulfilment, no longer afraid to move on from roles that don’t align with their values. Amid ongoing critical talent shortages, businesses need to rethink their approach to attracting and retaining staff.”
While the majority of global workers said that flexible hours (83 per cent) and flexible work locations (71 per cent) are important to them, 40 per cent admitted they can’t currently control their working hours and 53 per cent felt they did not have any flexibility about where they work.
Over the past year, only 36 per cent of workers have received an increase in remuneration package and only 22 per cent have received increased benefits such as annual leave.
Reflecting the preference of many young people to put their values first, 49 per cent of Gen Z and 46 per cent of Millennials, globally, said that they wouldn't work for a business that wasn’t making a proactive effort to improve its diversity and equity, versus a third of Baby Boomers.
42 per cent of Gen Z and 40 per cent of Millennials also said they wouldn’t mind earning less if they felt their job was contributing something to the world or society.
“Young people want to bring their whole selves to work, which is reflected in their determination not to compromise their personal values when choosing an employer,” said Mr Pesch.
“Our research and experience working with candidates in Australia points to an increasing expectation that organisations will take a stand on social and environmental issues. Companies that are shown to be taking positive action will find themselves more attractive and better able to retain loyal talent.”
Three quarters of Aussies said they felt their employer’s values and purpose aligned with their own while 38 per cent said they wouldn’t accept a job that didn’t align with their values.
Work life balance was identified by 95 per cent of Aussie workers as the most important quality they look for in a job followed by 72 per cent who highlighted training and development opportunities.
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["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(58) "/earn-money/young-people-are-leading-the-great-resignation" ["image"]=> string(44) "images/article-826x550/office-workers-ne.jpg" ["image_alt"]=> string(0) "" } [5]=> object(stdClass)#6999 (56) { ["id"]=> string(5) "18143" ["title"]=> string(60) "How does the expanded low and middle income tax offset work?" ["alias"]=> string(59) "how-does-the-expanded-low-and-middle-income-tax-offset-work" ["introtext"]=> string(307) "Millions of taxpayers will receive hundreds of dollars more in their tax return this year.
Write comment (0 Comments) " ["fulltext"]=> string(3517) "More than ten million Aussie workers will receive an extra tax offset of $420 for the current financial year through an increase to the low and middle income tax offset (LMITO).
Under the LMITO, workers with a taxable income of between $48,001 and $90,000 have received a tax offset of $1,080 each financial year since 2018-19.
Combined with the increase of $420 announced in the latest budget, the maximum LMITO benefit for 2021-22 will rise to $1,500 for individuals and $3,000 for couples.
In its budget papers released on Tuesday, the government said that the LMITO was targeted at low and middle income earners that are most susceptible to cost-of-living pressures.
“The government is responding in a temporary, targeted and responsible way to reduce cost of living pressures experienced by Australian households,” it said.
All LMITO recipients will receive the full $420 increase, including those earning less than $48,001 or between $90,001 and $126,000 who do not receive the full $1,080 tax offset.
“All other features of the current LMITO remain unchanged,” the government explained.
“Consistent with the current LMITO, taxpayers with incomes of $126,000 or more will not receive the additional $420.”
H&R Block director of tax communications Mark Chapman welcomed the expanded offset, but noted that the measure would only remain in place over the short term.
“Next year, the low and middle-income tax offset disappears completely - meaning that people earning up to $126,000 will see a tax rise of up to $1,080. It's hard to see how that will do anything to help cost of living pressures over the medium and long term,” he said.
“Worse, just as most Australians will see this tax rise, the wealthiest Australians will be anticipating a tax cut of up to $9,075 in 2024-25.”
The boost to the LMITO is expected to cost $4.1 billion according to budget estimates and a total of 4.8 million Aussies will receive the full $1,500 offset.
$250 cost-of-living payment
Furthermore, the government also unveiled a $250 cost-of-living payment that will be delivered to six million Australians next month.
“Pensioners, carers, veterans, job seekers, eligible self‑funded retirees and concession card holders will benefit,” Treasurer Josh Frydenberg said in his budget speech on Tuesday.
“Together, with existing indexation arrangements, this will see a single pensioner receive more than $500 in additional support over the next 6 months, just when they need it most.”
The one-off $250 cost of living payment will be tax exempt and will be paid automatically to all eligible pensioners, welfare recipients, veterans and eligible concession card holders in April.
Recipients of the following payments will be eligible for the payment:
- Age Pension
- Disability Support Pension
- Parenting Payment
- Carer Payment
- Carer Allowance (if not in receipt of a primary income support payment)
- Jobseeker Payment
- Youth Allowance
- Austudy and Abstudy Living Allowance
- Double Orphan Pension
- Special Benefit
- Farm Household Allowance
- Pensioner Concession Card (PCC) holders
- Commonwealth Seniors Health Card holders
- Eligible Veterans’ Affairs payment recipients and Veteran Gold card holders
Millions of taxpayers will receive hundreds of dollars more in their tax return this year.
Write comment (0 Comments) " ["jcfields"]=> array(9) { [1]=> object(stdClass)#7483 (32) { ["id"]=> string(1) "1" ["title"]=> string(17) "Automatic tagging" ["name"]=> string(17) "automatic-tagging" ["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) "2018-08-29 05:26:30" ["created_user_id"]=> string(4) "2355" ["ordering"]=> string(2) "-1" ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#7108 (3) { ["data":protected]=> object(stdClass)#7122 (1) { ["options"]=> object(stdClass)#7120 (2) { ["options0"]=> object(stdClass)#7119 (2) { ["name"]=> string(3) "Yes" ["value"]=> string(1) "1" } ["options1"]=> object(stdClass)#7121 (2) { ["name"]=> string(2) "No" ["value"]=> string(1) "0" } } } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#7118 (3) { 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"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)#7139 (3) { ["data":protected]=> object(stdClass)#7142 (2) { ["filter"]=> string(0) "" ["maxlength"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#7141 (3) { ["data":protected]=> object(stdClass)#7144 (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)#7474 (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)#7143 (3) { ["data":protected]=> object(stdClass)#7149 (1) { ["options"]=> object(stdClass)#7147 (2) { ["options0"]=> object(stdClass)#7146 (2) { ["name"]=> string(8) "Inactive" ["value"]=> string(1) "0" } ["options1"]=> object(stdClass)#7148 (2) { ["name"]=> string(6) "Active" ["value"]=> string(1) "1" } } } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#7145 (3) { ["data":protected]=> object(stdClass)#7151 (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)#7477 (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)#7150 (3) { ["data":protected]=> object(stdClass)#7153 (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)#7152 (3) { ["data":protected]=> object(stdClass)#7155 (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)#7487 (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)#7154 (3) { ["data":protected]=> object(stdClass)#7157 (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)#7156 (3) { ["data":protected]=> object(stdClass)#7159 (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(82) "/earn-money/tax-refund/how-does-the-expanded-low-and-middle-income-tax-offset-work" ["image"]=> string(38) "images/article-826x550/tax_cuts_ne.jpg" ["image_alt"]=> string(7) "tax cut" } }Subscribe to our newletters
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