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["id"]=>
string(5) "15670"
["title"]=>
string(37) "Capitalising on the COVID-19 pandemic"
["alias"]=>
string(37) "capitalising-on-the-covid-19-pandemic"
["introtext"]=>
string(208) "
More time at home means many Australians now have the opportunity to re-assess their lifestyle and spending habits and set some serious saving goals. So how can you actually go about it?
" ["fulltext"]=> string(1236) "In this episode of The nestegg Podcast, host Grace Ormsby is joined by Melbourne-based Reventon’s Billie Christofi to talk all things finance and the impact of isolation on our hip pockets.
In stage 4 lockdown, Billie shares the importance of going back to basics when it comes to budgeting, methods to re-assess spending habits, and some of the less conventional ways people can boost their wealth at this time.
Thanks Billie, for sharing your insights with the nestegg podcast team!
Have an investment story to share? Get in touch at [email protected] and you might get featured on an upcoming episode!
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string(5) "15454"
["title"]=>
string(68) "Real estate agents can’t tell renters how to use their super: ASIC"
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string(65) "real-estate-agents-can-t-tell-renters-how-to-use-their-super-asic"
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string(423) "
The corporate regulator has issued warnings to a number of real estate agents after it was revealed that some had been advising tenants to pay their rent by applying for early access to superannuation.
Write comment (1 Comment) " ["fulltext"]=> string(1768) "The Australian Securities and Investments Commission (ASIC) has revealed that it went after a number of real estate agents who were providing unlicensed advice to renters in the wake of the early super scheme – a program unveiled by the federal government as an early response to the COVID-19 crisis.
At a parliamentary joint committee on corporations and financial services public hearing on 15 July, the corporate regulator said it had followed up on 124 reports of real estate agents who had advised tenants to apply for early release of super to pay their rent.
ASIC said it was forced to take action on 13 occasions, issuing a warning to real estate agents that they must rectify their behaviour.
While the ASIC enforcement team had also “more intensely” scrutinised a number of other matters, it conceded there was unlikely to be further action.
According to ASIC executive director for assessment and intelligence Warren Day, “The conduct isn’t continuing, and we’ve seen a huge amount of walk-back from real estate agents.”
In early April, ASIC had written a letter to the real estate institutes in each state to outline its concerns about some real estate agents who were advising tenants to apply for early release of their superannuation.
“Recent media reports and social media commentary outlining this conduct by some real estate agents is of significance to ASIC and, we would hope, you,” the letter said.
“Financial advice must only be provided by qualified and licensed financial advisers, or financial counsellors, not by real estate agents who neither hold the requisite licence nor are an authorised representative of an Australian financial services licensee.”
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"companies-finally-figure-out-that-aussies-don-t-like-being-left-on-hold" ["introtext"]=> string(421) "Waiting on hold could be a thing of the past, thanks to COVID-19, with Australians no longer willing to spend hours on the phone to communicate with financial institutions and service providers.
Write comment (0 Comments) " ["fulltext"]=> string(3085) "In a new report from LivePerson, it was revealed that there was a 352 per cent spike in conversations around superannuation in March – in a part attributable to the Australian government’s announcement about the early release of super on 22 March.
It also flagged a near doubling of insurance conversations – 94 per cent growth – from 16 February to 22 March, due to people seeking clarification on policy details and payment options.
For LivePerson, the transformation in the way that brands and consumers are interacting could see call centres become the next casualty of COVID-19.
Weighing in on the findings, LivePerson’s Asia-Pacific general manager, Andrew Cannington, said the pandemic has sped up the transition to new methods of communication.
“This period has been really tough for brands and their customer contact staff, but it’s resulting in innovation,” he commented.
“Communicating with brands via your favourite channels is no longer the future, it is the new normal.”
He argued that for many organisations, this difficult period will be a turning point in how they approach their service and support channels.
“While the shift to messaging has been underway for some time, what the closure of call centres and the need for physical distancing has done is make many organisations think more deeply about how they operate and what their customers want,” Mr Cannington continued.
“The result has been an immediate and marked shift to messaging.”
“Brands are realising that their staff can work from home when needed, that technology can help them better do their jobs and that customers prefer engaging with them using messaging instead of a telephone call.”
All up, numbers crunched by LivePerson show a near six-fold (5.6x) increase in Australians who are using massaging channels such as Facebook Messenger, WhatsApp and SMS to communicate with brands since May 2019.
The volume of messaging has also increased, sitting 77 per cent higher than it was at the beginning of 2020.
According to Mr Cannington, “Another potential ramification of this shift from voice to messaging-based customer service could be the creation of thousands of local jobs, as companies consider making their temporary moves away from offshore call centres to locally based messaging agents permanent.”
Did you enjoy this article? You might also be interested in:
- Coping with a crisis: Surge in advice enquiries
- Life insurers won’t falter on COVID-19 cover
- Why an income stream could lessen your superannuation anxiety
Waiting on hold could be a thing of the past, thanks to COVID-19, with Australians no longer willing to spend hours on the phone to communicate with financial institutions and service providers.
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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(92) "/invest-money/advice/companies-finally-figure-out-that-aussies-don-t-like-being-left-on-hold" ["image"]=> string(53) "images/article-826x550/social-media-apps-phone-ne.jpg" ["image_alt"]=> string(17) "social media apps" } [2]=> object(stdClass)#4533 (56) { ["id"]=> string(5) "15339" ["title"]=> string(34) "Here’s why advice is a good idea" ["alias"]=> string(32) "here-s-why-advice-is-a-good-idea" ["introtext"]=> string(391) "Four-fifths of retirees have not sought financial advice during COVID-19, despite three-quarters of them also expressing a lack of confidence around how long their hard-earned savings will actually last.
Write comment (0 Comments) " ["fulltext"]=> string(2609) "The findings are from a survey conducted by Allianz Retire+, which also revealed that only one in five retirees feels like they have “easy access to professional financial advice”.
According to Allianz Retire+ CEO Matt Rady, “COVID-19 is taking a terrible toll on the economic wellbeing of many retirees.”
He said the impact of the current pandemic “has exposed shortcomings in retirement product design, access to financial advice and superannuation education”.
Around one-third of retirees who responded to the survey indicated a belief that financial advisers are “for the rich”, while almost two-thirds of the unadvised retirees said they would not use one because of the costs involved.
Mr Rady said there needs to be a change to the perception of financial advice, especially among retirees.
He also advocated for increased access to affordable advice.
“The advice proposition is proven to be an integral part of providing individuals with confidence and certainty in retirement,” he advised.
nestegg has previously reported on COVID-19 shining “a positive light on the need for advice”.
“Those who use an adviser told us they feel more confident and secure in their financial position,” the CEO acknowledged.
With almost seven in 10 advised retirees having indicated in the survey that they are sticking to their financial plan, Mr Rady said it means “advice is definitely deterring people from making sub-optimal investment decisions based on fear or a lack of understanding”.
The same research also revealed that soon-to-be retirees will be hardest hit by the COVID-19 downturn.
Did you enjoy this article? You might also be interested in:
- How advised individuals are getting ahead during COVID-19
- The 4 biggest financial risks facing self-funded retirees
- How to avoid crystallising a loss with your super
Four-fifths of retirees have not sought financial advice during COVID-19, despite three-quarters of them also expressing a lack of confidence around how long their hard-earned savings will actually last.
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given “clear, balanced and accurate information” in any investment product advertisements, fund managers have been warned.
Write comment (0 Comments) " ["fulltext"]=> string(4088) "The Australian Securities and Investments Commission (ASIC) has revealed that it put a number of managed investment schemes “on notice” that they must do better in providing information to investors, stating that it was concerned to find funds were providing inadequate or inaccurate facts to consumers.
A statement from ASIC illustrated that it was “seriously concerned” about three issues in particular:
- Unbalanced comparisons – which focused only on one aspect of a fund, such as higher returns – without a fair and balanced indication of key differences and risks.
- Safety and stability representations – which promoted funds as having little or no risk of capital loss, despite the fact that underlying assets were subject to considerable risk and market volatility.
- Withdrawal representations – that provided consumers an impression that it would be easy to withdraw funds on short notice, but the liquidity of the fund assets don’t support such a claim.
The corporate regulator’s deputy chair, Karen Chester, said that following a review, ASIC had “directly raised concerns with seven responsible entities (REs) about their advertising and disclosure in relation to 13 investment funds”.
While not naming those funds, those seven REs collectively have “approximately $2.5 billion under management”, Ms Chester flagged.
She acknowledged that “most consumers understand that investing in financial products involves some risk”.
“Today with financial risks both greater and more volatile, REs have more than ever a real-time responsibility to ensure their advertising and disclosure is ‘true to label’. Put simply, their advertising needs to accurately represent the actual features of their investment products and through economic cycles,” the deputy chair explained.
According to ASIC, “current market uncertainty and volatility brings a heightened imperative for REs to ensure consumers are not misled or misinformed”.
This is critical when it comes to the investment product’s risk profile, returns and the fund’s liquidity, Ms Chester noted.
While it is now widely acknowledged that disclosure alone is not enough to protect consumer interests, the ASIC representative said “balanced and accurate product information, especially about associated risks, remains fundamental for consumers to have at least a shot at understanding what they are getting into”.
According to ASIC, all seven entities have now taken corrective action.
The ASIC statement comes just over a month after ASIC delivered two pointed and out-of-the-ordinary warnings to Australian consumers.
The first, directed to retail investors, argued they are playing a “particularly dangerous” game by trying to time the market during the COVID-19 downturn.
The second urged consumer caution around investment product advertising it deemed was not “true to label”, condemning advertising that compared fixed-term investment products to bank term deposits.
Did you enjoy this article? You may also be interested in:
- Retail investors playing ‘particularly dangerous’ game
- The ‘buy now, ask later’ investment strategy
- 3 tips on getting started in investing from Australia’s best money managers
In a win for potential investors, consumers must only be given “clear, balanced and accurate information” in any investment product advertisements, fund managers have been warned.
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position during COVID-19 than their unadvised counterparts, according to an investment expert.
Write comment (0 Comments) " ["fulltext"]=> string(3537) "The managing director of Wealth O2, Shannon Bernasconi, has explained how after a slow first month of the pandemic, “everything has picked up to even greater scales than before – where advice is now ultimately more valued than before”.
She said last four weeks has seen a “rapid increase in numbers of clients coming on board” the platform through the creation of adviser-led relationships.
COVID-19 has shone “a positive light on the need for advice”, according to the managing director, who outlined how those individuals who have utilised advice have done better in some cases, especially having avoided the flight to cash that happened in the retail sector.
“Clearly, once you’ve sold, you’ve lost it,” she conceded, but noted this as much less likely to have been the case for advised clients, who have “overall done really well”.
In her experience, client portfolio returns “were much less down than the market – mostly because the advisers had diversified”.
“Some advisers had even been more sceptical as to whether the market was going to take a correction naturally even prior to COVID-19, so quite a few [were] protected.”
“So the impact, in terms of the overall returns, was definitely better than the market returns,” she continued.
Ms Bernasconi flagged how some advisers had even utilised their ability to tweak and bulk rebalance certain portfolios during the peak of the volatility, and patterns within portfolio management that aided in protecting clients even further. Ms Bernasconi said “what we didn’t see was mass panic”.
“We didn’t see a sell-off to cash – it was a lot less of a panic and more of a tilt or tweak that was going on.”
This flowed through to less reliance on government schemes such as the offer for early access to super, with Ms Bernasconi able to count on just one hand the amount of Wealth O2 clients who have indicated a need to access their retirement savings in this way.
“That does align to the fact that they were all advised clients and obviously the advice wasn’t to take the money out of super in those cases – so that’s a positive,” she commented.
“My view is that it’s not a great strategy either, but I do feel for those that need it.”
“If you can live without it, then definitely it’s better for the long run,” she advised.
The managing director has also considered that the pandemic has created a unique scenario for Australians, with the role of advice “much more focused through this pandemic than it would have been in a GFC scenario”.
“It’s a lot more focused on ‘my journey’ rather than the economic impact on me indirectly,” she said.
“Where the GFC was more of a cascade from the big banks going into the economy – this is actually personal.”
She explained that the COVID-19 crisis’ need for advice stems from concerns around “what’s going to happen to my rental property, [and] what’s going to happen to my assets?”
And with advisers now adopting “new ways of engagement through digital platforms” and developing an ability to improve the regularity of client contact through regular 15-minute video calls and the like, Ms Bernasconi said “the idea that [advisers] can get that client contact more often is a positive for everyone”.
It’s a “way of the future – whether they return to offices or not”.
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Write comment (0 Comments) " ["fulltext"]=> string(2301) "Global financial advisory organisation deVere Group has reported a 24 per cent surge in new client enquiries across the month of April, which it attributes to individuals, households and businesses readjusting and looking to the future – a direct result of the COVID-19 crisis.
“Disruption and dislocation have hit entire economies and businesses of all sizes and in all sectors,” the group’s chief executive and founder, Nigel Green, outlined.
He explained that this has had “a very real and very immediate impact on the finances of individuals, households and businesses around the world”.
“Suddenly, unexpectedly, many have realised that they didn’t have sufficient money behind them, they didn’t have contingency plans.”
Flagging that, already, “2020 has been a year of change”, Mr Green said the majority of new clients are seeking advice on savings plans, investments, foreign exchange, pensions and retirement planning and tax planning.
Mr Green commented that a lack of forward planning in relation to the above could have consequences for not only the lifestyles and life opportunities of themselves and loved ones, but for those in business, the long-term sustainability of their firm.
“With financial matters back in sharp focus, for many, ‘I should have’ becomes ‘I need to have’,” he said.
“This most unusual situation has dramatically underscored that no one really knows what is around the corner.”
Mr Green said that now more than ever, people are seeking to be as financially prepared as they can for any eventuality.
“For an increasing number, this includes a change in the way we prioritise, with long-term financial security for ourselves and our loved ones ever-more important.”
The same thing happened following the 2008 global financial crisis: “That too served as a wake-up call to many people to ensure that they become financially secure and there was a subsequent increase in demand for advice.”
“Even then – when confidence in financial institutions, especially traditional banks, was at an all-time low – people understood that as the world evolves, your financial planning strategies might need to also,” he expressed.
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["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)#4906 (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)#4659 (3) { ["data":protected]=> object(stdClass)#4662 (1) { ["relative"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#4661 (3) { ["data":protected]=> object(stdClass)#4664 (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)#4903 (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)#4663 (3) { ["data":protected]=> object(stdClass)#4666 (2) { ["filter"]=> string(0) "" ["maxlength"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#4665 (3) { ["data":protected]=> object(stdClass)#4668 (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)#4904 (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)#4667 (3) { ["data":protected]=> object(stdClass)#4670 (2) { ["filter"]=> string(0) "" ["maxlength"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#4669 (3) { ["data":protected]=> object(stdClass)#4672 (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)#4899 (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)#4671 (3) { ["data":protected]=> object(stdClass)#4677 (1) { ["options"]=> object(stdClass)#4675 (2) { ["options0"]=> object(stdClass)#4674 (2) { ["name"]=> string(8) "Inactive" ["value"]=> string(1) "0" } ["options1"]=> object(stdClass)#4676 (2) { ["name"]=> string(6) "Active" ["value"]=> string(1) "1" } } } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#4673 (3) { ["data":protected]=> object(stdClass)#4679 (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)#4902 (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)#4678 (3) { ["data":protected]=> object(stdClass)#4681 (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)#4680 (3) { ["data":protected]=> object(stdClass)#4683 (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)#4912 (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)#4682 (3) { ["data":protected]=> object(stdClass)#4685 (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)#4684 (3) { ["data":protected]=> object(stdClass)#4687 (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(67) "/invest-money/advice/coping-with-a-crisis-surge-in-advice-enquiries" ["image"]=> string(56) "images/article-826x550/woman-laptop-phone-working-ne.jpg" ["image_alt"]=> string(20) "Coping with a crisis" } }
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