Advice

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ASIC is undertaking a review of a select few “finfluencers” to understand how the financial services law applies to their activity.

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Responding to a question on notice to the standing committee on economics, ASIC confirmed that having observed increased discussion about finance and investment on social media sites, the regulator is undertaking a review of selected financial influencers.

It is also engaging with social media platforms and their moderators to ascertain whether the regulator’s RG 162 Internet Discussion Sites requires updating.

“Our selection of finfluencers is not targeted specifically at TikTok, although it is being included in the review, as we note that some of the finfluencers have a presence on TikTok,” ASIC said.

According to the regulator’s research to date, the number of online finfluencers across platforms such as Facebook, Reddit, Instagram, YouTube and TikTok is clearly growing.

“Increased levels of retail investor participation and interest in investment is to be encouraged, but we want this to occur in an informed, safe and sustainable way. This contributes to market integrity and confidence for all investors,” the corporate regulator said.

It expressed particular concern for younger and first-time investors who are accessing information from online finfluencers, some of whom are being paid to propagate particular agendas.

“As most finfluencers do not hold an AFS licence, they are not subject to the requirements that apply to licenses, including having adequate arrangements to manage conflicts of interest or to provide financial services efficiently, honestly and fairly,” ASIC said.

“We are concerned that inexperienced investors may be increasingly acting on financial advice from unlicensed providers. This may result in conflicted or poor advice being provided to users who may suffer financial loss.”

But ASIC is not only targeting finfluencers for want of a better understanding of this new advice niche, and is said to be engaging in consultations with AFS licensees who are paying these individuals to promote their products.

This, however, is not the first time ASIC has spoken about the proliferation of amateur investment advice on social media. In fact, judging by previous remarks, it appears the regulator has been fairly slow in ascertaining its responsibilities when it comes to this new form of advice.

In a statement released in November 2020, ASIC noted: “Since March 2020, ASIC has seen a significant escalation in complaints about unlicensed conduct, including complaints about unlicensed financial advice being provided through websites, social media, cold-calling and seminars.

“ASIC is concerned because consumers unknowingly receiving unlicensed advice do not have the same protections afforded to them under the law when they receive advice from licensed providers.”

But ASIC’s apparent lack of urgency is not too surprising given the government’s own financial services minister Jane Hume had previously played down the potential of social media influencers to dispense financial advice.

“The TikTok influencer spruiking Nokia is not that different to the bloke down at the pub who wants to tell you all about the really great company he just invested in — but with a much louder voice,” she said.

“This isn’t financial advice, but as has been the case since taxi drivers started giving stock tips, it is an inevitable part of a financial ecosystem.”

Ms Hume’s comments don’t sit well with experts.

A senior lecturer in finance at the School of Economics, Finance and Marketing at RMIT University, Dr Angel Zhong, told ifa’s sister brand, nestegg, that “the bloke at the pub does not make profits from telling you about the great company he just invested in”.

“On the contrary, social media influencers generate income based on the views of their contents. As such, their motives are different,” Dr Zhong said at the time. 

To Dr Zhong, there’s no grey area. Through platforms like TikTok, YouTube, Facebook, Reddit and ASXbets, finance influencers are providing unmoderated investment advice without a licence.

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Learn the best strategies in investing and options like cryptocurrency, bonds, mutual funds, property and stock market." ["secure"]=> int(0) ["page_description"]=> string(7) "nestegg" ["page_rights"]=> NULL ["robots"]=> NULL ["access-view"]=> bool(true) } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["displayDate"]=> string(19) "2021-09-07 00:37:05" ["slug"]=> string(50) "17332:asic-announces-review-of-select-finfluencers" ["parent_slug"]=> string(16) "284:invest-money" ["catslug"]=> string(10) "312:advice" ["event"]=> object(stdClass)#7338 (3) { ["afterDisplayTitle"]=> string(0) "" ["beforeDisplayContent"]=> string(0) "" ["afterDisplayContent"]=> string(0) "" } ["text"]=> string(336) "

ASIC is undertaking a review of a select few “finfluencers” to understand how the financial services law applies to their activity.

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Australia’s latest round of state lockdowns have seen financial hotlines hit by increased demand. 

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A rise in calls for Australia’s free financial counselling hotlines have raised concerns about the financial impact of ongoing lockdowns in NSW, Victoria and the ACT.

“People are really struggling during these lockdowns. It’s great so many are reaching out for free help from financial counsellors, but we know there are many more who are suffering in silence or don’t know where to turn,” said Financial Counselling Australia CEO Fiona Guthrie.

According to Ms Guthrie, the Small Business Debt Helpline (SBDH) has experienced a significant increase in call volume in recent months.

The not-for-profit hotline received 80 per cent more calls in July than it did in May, she revealed.

Ms Guthrie said the most common financial problems disclosed by callers included uncertainty and confusion about government grants, an inability to pay commercial leases, issues with debt collectors and a rise in overall financial stress.

“It’s really hard for people to keep up with what government and non-government assistance they are entitled to when they are in lockdown. We can help them navigate through all that,” said Sandra Blake, a financial counsellor who works with SBDH.

While the National Debt Helpline (NDH) did not experience a similarly steep rise in call volume, they did note a dramatic increase in visits to their website relative to the previous year.

Since the start of the year, more than 71,900 calls have been made to both helplines.

However, the FCA said that there were more than a quarter of a million website visits to the NDH website over the first seven months of 2021.

For the NDH, the top issues raised by NDH callers included queries about mortgage arrears, rent arrears and homelessness, credit card debt, utility bills, separation and family violence.

While Australia’s unemployment rate has ricocheted up and down over the last 12 months, data collected by the Australian Bureau of Statistics (ABS) suggests that the level of Australians facing financial hardship has quietly crept up.

The level of Australians unable to deal with a sudden $2,000 expense jumped from 16 per cent in 2019 to 19 per cent in 2020.

According to the ABS, 21 per cent of households experienced a cash flow problem in the last 12 months, while 23 per cent recorded at least one ‘dissaving’ action over the same period of time. 

“We want people to know that financial counsellors care and are here to help. They provide free, independent and confidential advice to people in financial hardship,” Ms Guthrie said.

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Australia’s latest round of state lockdowns have seen financial hotlines hit by increased demand. 

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The value of good financial advice has never been more obvious than during the pandemic.

Write comment (0 Comments) " ["fulltext"]=> string(3838) "

A new report has put a number on the cost of a financial adviser during the tumultuous market conditions of the COVID-19 pandemic.

According to Russell Investments’ latest Value of an Adviser Report, Australians with financial advisers were approximately 5.2 per cent better off last year than non-advised Australians.

The report emphasised the importance of asset allocation, suggesting that as much as 85 per cent of an individual investment outcome can be derived from this quality.

Despite this, Russell Investments said there’s a lack of knowledge and low interest from investors when it comes to understanding how to optimise their asset allocation accordingly.

A lack of clarity around this area was a recurring theme in the report, with 67 per cent of investors unaware of the asset allocation of their own super fund.

The report also found that while 81 per cent of investors aged under 35 were seeking stable returns, 66 per cent failed to answer basic financial literacy questions on diversification.

“While some investors are enthusiastic about their capabilities, many lack the skills, knowledge and time to research the many investment options available to them,” said Russell Investments’ director, head of business solutions, Bronwyn Yates.

Ms Yates noted that non-advised investors sometimes fail to make the correct decision when markets are volatile.

“Often, non-advised investors are tempted to chase performance and overreact to market events, like the sudden periods of market volatility witnessed in recent times,” she said.

She warned that poor timing when it comes to exiting and entering the market can be a costly mistake.

“This is an issue which plagues both those with loss aversion, and those convinced they can beat the market,” she said.

In contrast, she said that investors who have been educated by a financial adviser feel more comfortable staying the course.

The relationship between risk and return is said to be one of the most common knowledge gaps for unadvised Australian investors.

Acknowledging the rising ranks of Millennials and Gen Z turning to ‘finfluencers’ as their source for financial advice, Ms Yates said the value of sound financial advice has never been more obvious than last year.

“While it’s positive that investors across generations are becoming more engaged with their finances, and that they have more guidance options than ever before, the value of professional advice clearly speaks for itself in our report findings,” she added.

According to Ms Yates, the biggest takeaway of the new report is the suggestion that the value of a financial adviser is far greater than just keeping clients updated on the progress of their investment.

“Beyond the material value of financial advice, the peace of mind and comfort that advisers provide clients is critical, and it is important for advisers to be able to clearly  communicate those benefits,” she said.  

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The value of good financial advice has never been more obvious than during the pandemic.

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Everyday Australians are being priced out of the advice market or forced to rely on TikTok influencers for their financial advice, an MP has said.

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Financial advice is becoming a luxury for the rich as a much smaller pool of financial advisers try to service the needs of a growing number of Aussies looking for help with their finances.

Financial advice has become increasingly difficult and costly to provide, with adviser numbers shrinking from nearly 29,000 at the time of the royal commission final report to just over 19,000.

That the system is “broken” is now being argued by many, with the president of the Association of Financial Advisers, Mike Nowak, flagging the inaccessibility and unaffordability of financial advice for everyday Australians before the House economics committee late last month.

“Each and every day, financial advisers are playing a valuable role supporting Australians to build, protect and manage their wealth. This has never been more important than during the experience over the last 18 months with the COVID-19 pandemic,” Mr Nowak said of those select few that remain in the industry.

But the sheer lack of advisers and their subsequently ballooning fees have seen Aussies turn to social media to solve their financial predicaments.

Just last week, Labor MP Julian Hill warned the House of Representatives on the Better Advice Bill of the presence and accessibility of TikTok advisers.

“You can just go and get advice on the internet from people on Facebook and TikTok,” Mr Hill told the House.

“The Minister doesn’t think this is a problem. Sure, it’s no different from chatting to someone at the pub or a cab driver – except ASIC pointed out they are concerned because these influencers on social media, it seems, are taking kickback commissions.”

Mr Hill was referring to the government’s own Finance Services Minister Jane Hume, who despite ASIC’s warnings to the contrary recently played down the potential of social media influencers to dispense financial advice.

“The TikTok influencer spruiking Nokia is not that different to the bloke down at the pub who wants to tell you all about the really great company he just invested in – but with a much louder voice,” she said.

“This isn’t financial advice, but as has been the case since taxi drivers started giving stock tips, it is an inevitable part of a financial ecosystem.”

According to Ms Hume, “If we say that consumers should not use the internet to learn about investment opportunities for fear that they make mistakes, we risk losing a generation of financially literate, engaged retail investors.”

Earlier this year, survey results by MLC revealed that as many as 13 per cent of Aussies aged between 18 and 34 are regularly using platforms such as TikTok, Facebook and Instagram as a financial resource.

And while Ms Hume appears to be somewhat oblivious to the dangers, RMIT University expert Dr Angel Zhong explained to nestegg that unmoderated investment advice provided in social media platforms could lead to herding behaviour in financial markets.

Calling for explicit measures warning vulnerable viewers about the reliability of financial advice in social media, Dr Zhong said “unverified investment advice is no different to fake news, which is frequently flagged by social media platforms that urge viewers to read with caution”.

Similarly, Mr Hill is of the opinion that the current state of financial advice is “completely unacceptable”.

Calling also for urgent action, Mr Hill said “it needs serious work from the government to engage with industry and the regulators and work out how to close this advice gap, because all Australians, not just the wealthy, should be able to access quality financial advice about their retirement, their investment strategies and their insurance”.

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Learn the best strategies in investing and options like cryptocurrency, bonds, mutual funds, property and stock market." ["secure"]=> int(0) ["page_description"]=> string(7) "nestegg" ["page_rights"]=> NULL ["robots"]=> NULL ["access-view"]=> bool(true) } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["displayDate"]=> string(19) "2021-08-10 01:20:20" ["slug"]=> string(69) "17191:everyday-aussies-priced-out-of-the-advice-market-turn-to-tiktok" ["parent_slug"]=> string(16) "284:invest-money" ["catslug"]=> string(10) "312:advice" ["event"]=> object(stdClass)#7371 (3) { ["afterDisplayTitle"]=> string(0) "" ["beforeDisplayContent"]=> string(0) "" ["afterDisplayContent"]=> string(0) "" } ["text"]=> string(364) "

Everyday Australians are being priced out of the advice market or forced to rely on TikTok influencers for their financial advice, an MP has said.

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Today’s board games are less propagandistic about capitalism, but they can still teach a lot about how it works.

Write comment (0 Comments) " ["fulltext"]=> string(4753) "

Classic board games like Monopoly have acted as an introduction to the ups and downs of the real estate market for decades.

Now, modern board games are providing a more sophisticated and nuanced take on how economic systems work, according to Macquarie University’s lecturer in digital culture, Dr Rowan Tulloch.

Speaking to nestegg, Dr Tulloch explained that most games are complex teaching systems.

“Players have to learn these complex skills to play a game, and so games are constantly teaching and helping the player refine their skills.”

“With video games, you see it with this kind of constant feedback with health and points and lives and all these systems. With board games, depending on the game, you might have money you’re earning or how far along the board you’ve progressed or all those sorts of things.”

Dr Tulloch said that “all those sorts of things are part of the gameplay as well, but they also function as teaching mechanics to inform the player what they’re doing right and wrong”.

For instance, Reiner Knizia’s Modern Art is a game where players take on the role of conniving art dealers. The gameplay here involves convincing other players to buy your paintings at a high price while negotiating a lower price for your own investments.

The twist? The final value of each artwork is dependent on their popularity and determined after the last painting has been sold.

Modern Art is designed to mimic the way that high-end speculative assets change hands. Success is less about buying the most paintings and more about correctly predicting which artists will be the most popular.

While a report from Euromonitor International suggested the global board gaming industry got a boost in sales from the pandemic, the reality is that board and tabletop gaming has been growing in popularity and profitability for several years now.

Approaching $11 billion in value as of 2020, crowdfunding platforms like Kickstarter allowed for more diverse and innovative products to reach the stores of hobbyist retailers and the shelves of players.

One such game is Karsten Hartwig’s Chinatown. Similar in some ways to Monopoly, Chinatown sees players build up a portfolio of real estate within the titular district. However, the rents accrued through the ownership of individual tiles on the map – representing businesses – pale in comparison to the returns of owning an entire building or city block.

Since all this information is visible at all times, it’s up to players to negotiate their way towards their desired outcome. Consolidating your portfolio can be a costly endeavor, but a diversified strategy is also a possible route to financial success.

Dr Tulloch said that while many of these designers behind these games might have played Monopoly and the Game of Life when they were younger, they’re more critical about the “the problematic assumptions about money” these games invoke.

That being said, he acknowledged the trade-offs that these kinds of games make when it comes to their relative verisimilitude.

“They do have to simplify things to make it accessible to players to make it kind of fun and enjoyable. You don’t want a rule system that is as complex as real world finances. It’s just not going to work.”

Despite those limits, Dr Tulloch said he still sees them “as a very productive way of starting to come to grips with this stuff”.

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Today’s board games are less propagandistic about capitalism, but they can still teach a lot about how it works.

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National cabinet has agreed on a four-step pathway for the country to move from localised lockdowns to living with COVID-19, and everything depends on vaccination numbers.

Write comment (3 Comments) " ["fulltext"]=> string(3466) "

“The good news I have for Australians who are subject to restrictions today is we have agreed a new deal for Australians on the pathway out of COVID-19,” said Prime Minister Scott Morrison.

According to a plan agreed to by the states, the pathway will be made up of four phases, with each to come into force when the country hits a threshold of vaccinated people.

Currently, Australia is only in phase 1 and is likely to remain there for some time given fairly insignificant vaccination numbers. 

Recent data from Provocate revealed that Australia’s COVID-19 vaccination rate fell another two places to third-last on the federal Department of Health’s own international benchmark in June.

“The world’s reopening while Australia’s locking down. That’s not good for business in anyone’s books,” said managing director Troy Bilsborough on occasion of the data’s release.

However, it looks like Australia’s path out of lockdown will take same time, with the second stage of the government’s plan, called the post-vaccination phase, only due to commence when Australia hits a yet to be determined threshold of vaccination.

Under this stage, restrictions would ease on vaccinated residents, such as lockdowns and border controls.

At this point, Australia could also explore restoring inbound passenger caps – which were slashed in half today – to previous levels for unvaccinated returning travellers and “then even larger caps for those who are vaccinated”.

“We would be allowing a capped entry of student and economic visa holders, subject to quarantine arrangements and availability, that we will then introduce those new quarantine arrangements for vaccinated residents, based on the trials undertaken in the current stage and then we would either be implementing the vaccine booster program at that time, or preparing it, depending on the time frame of hitting that first mark on vaccination,” said Mr Morrison.

Next up is stage 3, which the PM referred to as the “consolidation phase”.

This stage won’t begin until hospitalisation and fatality rates are in line with the numbers seen during flu season.

“Arguably, even better,” said the PM. 

“We are seeing evidence of that in other jurisdictions that have higher levels of vaccination. When it is like the flu, we should treat it like the flu, and that means no lockdowns – these are the measures that may include no lockdowns, the vaccine booster program underway, exempting vaccinated residents from all domestic restrictions, abolishing caps on returning vaccinated travellers,” the PM said.

Once COVID is less harmful than the flu, the government would look at lifting all restrictions on outbound travel for vaccinated persons and to extend the travel bubble for unrestricted travel to new countries such as Singapore.

The fourth phase is a “complete back to normal”, Mr Morrison said.

“Measures may include allowing uncapped inbound arrivals for all vaccinated persons without quarantine and allowing uncapped arrivals of non-vaccinated travel subject to pre-flight and on-arrival testing.”

Mr Morrison did not specify how long he expects the journey to the fourth phase to last.

More to come. 

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National cabinet has agreed on a four-step pathway for the country to move from localised lockdowns to living with COVID-19, and everything depends on vaccination numbers.

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"2" } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["type"]=> string(3) "url" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> string(1) "3" ["label"]=> string(17) "First article URL" ["description"]=> string(0) "" ["required"]=> string(1) "0" ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(16) "Related Articles" ["group_access"]=> string(1) "1" ["group_state"]=> string(1) "1" ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [8]=> object(stdClass)#7389 (32) { ["id"]=> string(1) "8" ["title"]=> string(18) "Second article URL" ["name"]=> string(18) "second-article-url" ["checked_out"]=> string(1) "0" ["checked_out_time"]=> string(19) "0000-00-00 00:00:00" ["note"]=> string(0) "" ["state"]=> string(1) "1" ["access"]=> string(1) "1" ["created_time"]=> string(19) "2020-07-08 05:42:04" ["created_user_id"]=> string(4) "2351" ["ordering"]=> string(1) "0" ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#7137 (3) { ["data":protected]=> object(stdClass)#7140 (1) { ["relative"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#7139 (3) { ["data":protected]=> object(stdClass)#7142 (10) { ["hint"]=> string(0) "" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(1) "2" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["type"]=> string(3) "url" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> string(1) "3" ["label"]=> string(18) "Second article URL" ["description"]=> string(0) "" ["required"]=> string(1) "0" ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(16) "Related Articles" ["group_access"]=> string(1) "1" ["group_state"]=> string(1) "1" ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [9]=> object(stdClass)#7388 (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)#7141 (3) { ["data":protected]=> object(stdClass)#7144 (1) { ["relative"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#7143 (3) { ["data":protected]=> object(stdClass)#7146 (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)#7385 (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)#7145 (3) { ["data":protected]=> object(stdClass)#7148 (2) { ["filter"]=> string(0) "" ["maxlength"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#7147 (3) { ["data":protected]=> object(stdClass)#7150 (10) { ["hint"]=> string(0) "" ["class"]=> string(0) "" 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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)#7381 (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)#7153 (3) { ["data":protected]=> object(stdClass)#7159 (1) { ["options"]=> object(stdClass)#7157 (2) { ["options0"]=> object(stdClass)#7156 (2) { ["name"]=> string(8) "Inactive" ["value"]=> string(1) "0" } ["options1"]=> object(stdClass)#7158 (2) { ["name"]=> string(6) "Active" ["value"]=> string(1) "1" } } } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#7155 (3) { ["data":protected]=> object(stdClass)#7161 (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)#7384 (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)#7160 (3) { ["data":protected]=> object(stdClass)#7163 (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)#7162 (3) { ["data":protected]=> object(stdClass)#7165 (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)#7394 (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)#7164 (3) { ["data":protected]=> object(stdClass)#7167 (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)#7166 (3) { ["data":protected]=> object(stdClass)#7169 (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(93) "/invest-money/advice/pm-outlines-australia-s-path-out-of-lockdown-with-a-detailed-4-step-plan" ["image"]=> string(47) "images/article-826x550/ScottMorrison826x550.png" ["image_alt"]=> string(74) "PM outlines Australia’s path out of lockdown with a detailed 4-step plan" } }