Advice

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Economic downturns are inevitable, but a well-constructed investment portfolio can withstand market volatility and protect your financial future. Building a recession-proof investment portfolio involves strategic planning and diversification to minimize risk and maximize returns during economic challenges. This article provides insights into creating a resilient investment portfolio that can endure through economic downturns.

Diversification across asset classes

Diversification is the cornerstone of a recession-proof portfolio. Investing across a variety of asset classes, including stocks, bonds, real estate, and commodities, can reduce your risk because these assets often perform differently under various economic conditions. For instance, while stocks may decline during a recession, bonds or precious metals might hold their value or even appreciate.

Focus on quality

During recessions, investments in high-quality assets—those with strong balance sheets, steady cash flows, and solid management—are more likely to perform well. For equities, consider companies in sectors that are less sensitive to economic downturns, such as utilities or consumer staples, which provide essential services and products that remain in demand regardless of economic conditions.

Include defensive stocks

Defensive stocks, which represent companies whose products and services are always in need (like food, utilities, and healthcare), tend to be more stable during economic declines. These stocks may not offer the highest returns during boom periods, but their ability to provide steady dividends and preserve capital in down markets can be invaluable.

Consider fixed income investments

Bonds can be a safe haven during market turmoil. Government bonds, in particular, are considered low-risk and tend to appreciate when the economy slows and interest rates are cut. Including a mix of short and long-term bonds can provide income and stability, as they tend to have an inverse relationship with stock markets.

Explore alternative investments

Alternative investments such as real estate or commodities like gold can offer protection during downturns, as they typically do not move in direct correlation with stock markets. Real estate can provide rental income while commodities can serve as a hedge against inflation and currency devaluation.

Keep some cash reserves

Having liquidity is crucial during a recession. Cash reserves allow you to cover unexpected expenses without the need to sell investments at potentially depressed prices. Additionally, cash holdings enable you to take advantage of lower asset prices when they occur.

Regular portfolio review and rebalancing

Regularly reviewing and rebalancing your portfolio is essential. This practice helps maintain your desired level of risk by adjusting the proportions of different assets as the market fluctuates. During a market upturn, it’s wise to take profits from outperforming assets and reinvest in those that are undervalued.

Long-term perspective

Maintain a long-term perspective despite short-term market fluctuations. A well-planned investment strategy should align with your long-term financial goals, such as retirement, and not be overly reactive to temporary economic downturns.

Seek professional advice

Consider consulting with a financial advisor to help manage your investment portfolio. A professional can provide valuable insights, especially during volatile market periods, and can help tailor your investment strategies to meet your specific financial needs and goals.

---

By implementing these strategies, investors can build a portfolio that is better equipped to weather economic recessions. Remember, the key to successful investing during downturns is preparation, diversification, and maintaining a focus on long-term financial goals.

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Learn the best strategies in investing and options like cryptocurrency, bonds, mutual funds, proper" ["page_description"]=> string(7) "nestegg" ["page_rights"]=> NULL ["robots"]=> NULL ["check_access_rights"]=> int(0) ["access-view"]=> bool(true) } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["displayDate"]=> string(19) "2024-06-10 04:34:33" ["slug"]=> string(53) "18607:building-a-recession-proof-investment-portfolio" ["event"]=> object(stdClass)#9919 (3) { ["afterDisplayTitle"]=> string(0) "" ["beforeDisplayContent"]=> string(132) "

• Yes

" ["afterDisplayContent"]=> string(0) "" } ["text"]=> string(4208) "

Economic downturns are inevitable, but a well-constructed investment portfolio can withstand market volatility and protect your financial future. Building a recession-proof investment portfolio involves strategic planning and diversification to minimize risk and maximize returns during economic challenges. This article provides insights into creating a resilient investment portfolio that can endure through economic downturns.

Diversification across asset classes

Diversification is the cornerstone of a recession-proof portfolio. Investing across a variety of asset classes, including stocks, bonds, real estate, and commodities, can reduce your risk because these assets often perform differently under various economic conditions. For instance, while stocks may decline during a recession, bonds or precious metals might hold their value or even appreciate.

Focus on quality

During recessions, investments in high-quality assets—those with strong balance sheets, steady cash flows, and solid management—are more likely to perform well. For equities, consider companies in sectors that are less sensitive to economic downturns, such as utilities or consumer staples, which provide essential services and products that remain in demand regardless of economic conditions.

Include defensive stocks

Defensive stocks, which represent companies whose products and services are always in need (like food, utilities, and healthcare), tend to be more stable during economic declines. These stocks may not offer the highest returns during boom periods, but their ability to provide steady dividends and preserve capital in down markets can be invaluable.

Consider fixed income investments

Bonds can be a safe haven during market turmoil. Government bonds, in particular, are considered low-risk and tend to appreciate when the economy slows and interest rates are cut. Including a mix of short and long-term bonds can provide income and stability, as they tend to have an inverse relationship with stock markets.

Explore alternative investments

Alternative investments such as real estate or commodities like gold can offer protection during downturns, as they typically do not move in direct correlation with stock markets. Real estate can provide rental income while commodities can serve as a hedge against inflation and currency devaluation.

Keep some cash reserves

Having liquidity is crucial during a recession. Cash reserves allow you to cover unexpected expenses without the need to sell investments at potentially depressed prices. Additionally, cash holdings enable you to take advantage of lower asset prices when they occur.

Regular portfolio review and rebalancing

Regularly reviewing and rebalancing your portfolio is essential. This practice helps maintain your desired level of risk by adjusting the proportions of different assets as the market fluctuates. During a market upturn, it’s wise to take profits from outperforming assets and reinvest in those that are undervalued.

Long-term perspective

Maintain a long-term perspective despite short-term market fluctuations. A well-planned investment strategy should align with your long-term financial goals, such as retirement, and not be overly reactive to temporary economic downturns.

Seek professional advice

Consider consulting with a financial advisor to help manage your investment portfolio. A professional can provide valuable insights, especially during volatile market periods, and can help tailor your investment strategies to meet your specific financial needs and goals.

---

By implementing these strategies, investors can build a portfolio that is better equipped to weather economic recessions. Remember, the key to successful investing during downturns is preparation, diversification, and maintaining a focus on long-term financial goals.

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The Australian startup ecosystem is bustling with innovation, offering unique opportunities for investors to be part of the next big success story. Investing in startups not only fuels the growth of new businesses but also presents a chance to achieve significant returns. However, with high potential rewards come considerable risks. This guide delves into the intricacies of startup investment in Australia, providing insights into navigating the opportunities and risks involved.

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Understanding startup investment in Australia

Startup investment involves providing capital to early-stage companies in exchange for equity. These companies often have a strong focus on innovation, technology, and scalability but may not yet be profitable. The Australian market has seen a surge in startup activity, driven by sectors such as fintech, healthtech, and greentech, making it an appealing arena for investors looking to diversify their portfolios.

Opportunities in startup investing

1. High return potential: Startups can offer exponential growth potential. Early investments in successful companies can yield significant returns when these companies go public or are acquired.
2. Portfolio diversification: Adding startups to your investment portfolio can offer diversification benefits, spreading risk across different asset classes and industries.
3. Supporting innovation: Investors have the chance to support and be part of innovative solutions that address societal challenges, driving forward technological and social progress.
4. Access to emerging technologies: Investing in startups allows investors to gain early exposure to emerging technologies and trends, positioning them at the forefront of innovation.

Risks of investing in startups

1. High failure rate: Startups are inherently risky, with a high failure rate. Many startups do not progress beyond the early stages, leading to potential loss of investment.
2. Liquidity issues: Startup investments are typically illiquid, with capital locked in for years. Investors may find it challenging to exit their investment before a significant liquidity event, such as an IPO or acquisition.
3. Lack of transparency: Early-stage companies may not have a track record or extensive financial history, making it difficult to assess their performance and prospects accurately.
4. Market uncertainty: Startups often operate in fast-changing markets. Shifts in technology, consumer preferences, or regulatory landscapes can significantly impact their success.

Tips for startup investors in Australia

1. Conduct thorough due diligence: Research the startup's team, product, market potential, and competitive landscape. Understanding the business model and growth strategy is crucial.
2. Start small: Allocate only a portion of your investment capital to startups, spreading your risk across multiple investments.
3. Seek professional advice: Consider consulting with financial advisors or joining an investment group to gain insights and access to vetted opportunities.
4. Stay engaged: Being an active investor can provide added value to the startup while allowing you to monitor its progress closely.
5. Understand the exit strategy: Know how and when you might be able to exit your investment. Familiarize yourself with the startup's long-term goals and potential acquisition targets or IPO plans.

Conclusion

Investing in startups presents a unique blend of opportunities and risks for Australian investors. While the potential for significant returns is appealing, it's essential to approach startup investing with caution and thorough preparation. By understanding the landscape, conducting diligent research, and strategically managing your investments, you can navigate the startup ecosystem more effectively, contributing to the growth of innovative businesses while aiming for substantial financial rewards.

---

Embracing startup investment in Australia offers investors the chance to participate in groundbreaking innovations and potentially reap considerable returns. However, success in this arena requires a well-thought-out strategy, embracing both the exciting opportunities and the inherent risks.

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The Australian startup ecosystem is bustling with innovation, offering unique opportunities for investors to be part of the next big success story. Investing in startups not only fuels the growth of new businesses but also presents a chance to achieve significant returns. However, with high potential rewards come considerable risks. This guide delves into the intricacies of startup investment in Australia, providing insights into navigating the opportunities and risks involved.

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A new index created by beikecelltherapy.com, a stem cell therapy expert, has quantified the time stay-at-home parents dedicate to their role and calculated the cost of outsourcing their tasks in 80 global cities. The study aimed to measure the value of the work stay-at-home parents do during the years children typically live at home.

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The index identified the home maintenance and childcare tasks that stay-at-home parents carry out each day and used time use data to calculate the amount of time parents typically spend on these activities. The data was modelled for families with one to four children, and the total time spent on each activity per month was calculated for each family size. The researchers then extrapolated the data over a 20-year period for each child to create a total number of hours spent on parental duties during the course of each childhood.

The cost of outsourcing these tasks in each city was determined using salary data websites, and the total cost was calculated by multiplying the hourly rates by the number of hours spent on each task over the course of a child's upbringing.

The results reveal that stay-at-home parents with one child spend 155.5 hours on parental and household tasks per month, which rises to 200.8 hours for two children, 273.6 hours for three children, and 291.2 hours for four children.

The cost of outsourcing parental duties for one child's 20-year upbringing would be highest in Zurich, Switzerland (€1.03 million), followed by Basel, Switzerland (€954,000) and San Francisco, USA (€942,000).

In the Netherlands, the most expensive cities for outsourcing parental duties over a child's 20-year upbringing are The Hague (€611,594), Rotterdam (€592,997), Amsterdam (€583,680), and Utrecht (€554,518).

The study also broke down the time spent on various home maintenance and childcare tasks per month, with cleaning (15.9 hours), shopping (11.0 hours), cooking (19.1 hours), and laundry (8.6 hours) being the primary home maintenance tasks. For childcare, emotional support (68.1 hours), planning and administration (17.9 hours), transportation (10.8 hours), and tutoring (4.1 hours) were the main tasks.

The full results, including figures for stay-at-home parents with two, three, and four children, can be found on the beikecelltherapy.com website.

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A new index created by beikecelltherapy.com, a stem cell therapy expert, has quantified the time stay-at-home parents dedicate to their role and calculated the cost of outsourcing their tasks in 80 global cities. The study aimed to measure the value of the work stay-at-home parents do during the years children typically live at home.

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string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } } ["link"]=> string(95) "/invest-money/advice/study-reveals-the-financial-value-of-stay-at-home-parents-across-the-globe" ["image"]=> string(121) "https://res.cloudinary.com/momentum-media-group-pty-ltd/image/upload/v1713413931/pexels-elly-fairytale-4008773_knnbj9.jpg" ["image_alt"]=> string(74) "Study reveals the financial value of stay-at-home parents across the globe" } [3]=> object(stdClass)#9444 (57) { ["id"]=> int(18485) ["title"]=> string(65) "Securing success: Top real estate investment courses in Australia" ["alias"]=> string(64) "securing-success-top-real-estate-investment-courses-in-australia" ["introtext"]=> string(143) "

Real estate investment in Australia offers a pathway to financial growth and stability, attracting both novice and seasoned investors.

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With the real estate market's complexities and opportunities, education is key to navigating investment decisions wisely. Real estate investment courses in Australia provide the foundational knowledge and advanced strategies needed to succeed in this competitive arena.

This guide highlights the top courses and training programs tailored for aspiring real estate investors in Australia, helping you choose the right path to investment success.

Top real estate investment courses in Australia

1. Australian Property Institute (API) courses

The Australian Property Institute offers a range of courses focused on various aspects of property investment and valuation. API's courses are designed for those looking to deepen their understanding of the property market, with topics ranging from property valuation to investment principles. These courses cater to both beginners and experienced professionals seeking to enhance their credentials.

2. TAFE courses

Technical and Further Education (TAFE) institutions across Australia provide practical, hands-on courses in real estate and property management. TAFE courses cover the fundamentals of real estate investment, property law, and portfolio management, offering a solid foundation for aspiring investors. These courses are suitable for individuals looking to start their career in real estate investment or gain practical skills in property management.

3. University degree programs

Several Australian universities offer undergraduate and postgraduate degree programs in property and real estate. These programs often include subjects on real estate finance, investment analysis, and property development. Courses such as a bachelor of property and real estate or a master of property investment and development provide comprehensive education, combining theoretical knowledge with practical insights into the Australian property market.

4. REIA training programs

The Real Estate Institute of Australia (REIA) provides training programs and workshops for individuals interested in real estate investment. REIA's programs focus on current market trends, investment strategies, and regulatory compliance, ensuring investors are well-equipped to make informed decisions. These programs are ideal for investors seeking up-to-date information and industry insights.

5. Online courses and webinars

The rise of online learning platforms has made real estate investment education more accessible. Websites like Udemy, Coursera, and LinkedIn Learning offer courses on real estate investment strategies, market analysis, and property management. These online courses allow for flexible learning and provide an opportunity for investors to learn from international and local experts.

6. Specialised investment seminars and workshops

Numerous organisations and investment firms conduct seminars and workshops on specific aspects of real estate investment, such as property flipping, rental property management, and investment property analysis. These events are often led by successful real estate investors and offer practical advice, networking opportunities, and insights into the latest investment strategies.

Choosing the right course

Selecting the right real estate investment course depends on your investment goals, experience level, and preferred learning style. Consider the following factors when choosing a course:

- Opt for courses offered by reputable institutions and recognised by industry bodies.
- Ensure the course covers the topics relevant to your investment interests and goals.
- Decide whether you prefer online learning, in-person classes, or a hybrid approach.
- Consider courses that offer networking opportunities with industry professionals and fellow investors.

Conclusion

Real estate investment courses in Australia provide valuable knowledge and skills for navigating the property market.

Whether you're a beginner aiming to make your first investment or an experienced investor looking to expand your portfolio, there's a course to suit your needs. By investing in your education, you're not just preparing to enter the real estate market; you're setting the stage for long-term success.

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Learn the best strategies in investing and options like cryptocurrency, bonds, mutual funds, proper" ["page_description"]=> string(7) "nestegg" ["page_rights"]=> NULL ["robots"]=> NULL ["check_access_rights"]=> int(0) ["access-view"]=> bool(true) } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["displayDate"]=> string(19) "2024-03-17 14:22:13" ["slug"]=> string(70) "18485:securing-success-top-real-estate-investment-courses-in-australia" ["event"]=> object(stdClass)#9952 (3) { ["afterDisplayTitle"]=> string(0) "" ["beforeDisplayContent"]=> string(132) "

• Yes

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Real estate investment in Australia offers a pathway to financial growth and stability, attracting both novice and seasoned investors.

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Australia's robust economy, high standard of living, and vibrant culture make it an attractive destination for many seeking a new home.

" ["fulltext"]=> string(4691) "

For those looking to make this dream a reality, investing in real estate can provide a viable path to obtaining a visa or even citizenship. This article outlines how engaging in real estate investment can lead to permanent residency or citizenship in Australia, focusing on the specific visa options available and the process involved.

Real estate investment visa options in Australia

Australia offers several visa categories that facilitate residency and citizenship through investment, including real estate purchases as part of the investment criteria. These visa options are primarily aimed at high-net-worth individuals looking to contribute to the Australian economy through significant investment activities.

1. Business innovation and investment (Provisional) Visa (Subclass 188): This visa is part of the Business Innovation and Investment Programme, offering a pathway to permanent residency for investors willing to invest in Australia. Under its Investor Stream and Significant Investor Stream, applicants can invest in real estate as part of a broader investment strategy that meets the Australian government's requirements.

2. Significant investor stream: Requires a minimum investment of $5 million in complying with significant investments in Australia for a minimum of four years. While direct investment in residential real estate is not considered a complying investment, indirect real estate investment through Australian Securities and Investment Commission-regulated managed funds that invest in real estate is permissible.

3. Investor stream: Requires a minimum investment of $1.5 million in an Australian state or territory and maintains business and investment activity in Australia. Part of this investment can involve real estate, subject to the specific state or territory's investment requirements.

The path to citizenship through real estate investment

Investing in real estate as part of these visa programs can set the foundation for obtaining permanent residency and eventually citizenship in Australia, albeit with certain conditions and requirements:

- Visa holders must meet residency requirements, which typically involve living in Australia for a certain period within the visa's validity.
 
- Investors must comply with the investment requirements throughout their provisional visa to qualify for a permanent visa.

- After fulfilling the provisional visa conditions, investors can apply for a permanent visa, such as the Business Innovation and Investment (Permanent) Visa (Subclass 888).

- Once permanent residency is obtained, individuals can eventually apply for Australian citizenship, subject to meeting all eligibility criteria, including residency duration and character requirements.

Benefits of the real estate investment pathway

- This pathway encourages significant economic contributions to Australia, supporting various sectors, including real estate. 
- Investors have the flexibility to structure their investment portfolios within the guidelines, allowing for diversification and potential returns on investment.
- Most investment visas allow for the inclusion of family members, providing a pathway for the entire family to gain residency and eventually citizenship.

Navigating the investment process

The process of obtaining a visa through real estate investment requires meticulous planning and adherence to the Australian government's regulations. Prospective investors should:

1. Engage the services of immigration lawyers and investment advisors specialising in Australian visas to navigate complex requirements effectively.

2. Conduct thorough research or work with investment advisors to select complying investments that align with your financial goals and visa requirements.

3. Compile the necessary documentation and submit your visa application, following the specific guidelines for the chosen visa stream.

Conclusion

Investing in real estate in Australia can offer more than just financial returns; it can be a strategic move towards securing a future in one of the world's most desirable living destinations.

While the pathway to citizenship through investment is complex and requires significant financial commitment, it provides a unique opportunity for those who can meet the requirements.

By understanding the visa options and engaging with the right professionals, investors can navigate this path successfully, turning their Australian dream into reality.

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Australia's robust economy, high standard of living, and vibrant culture make it an attractive destination for many seeking a new home.

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The rise of Generative AI technologies like ChatGPT has been met with a dramatic increase in cyber threats, particularly in the realm of email phishing attacks.

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Security firms are reporting a surge in such attacks, exceeding 10 times the amount previously recorded. This uptick has been attributed to the malicious use of AI by cybercriminals, including the development of AI-powered malware tools that are being distributed on the dark web.

Edith Reads, a financial analyst from Stocklytics, highlighted the critical nature of the situation, noting that "threat actors are using tools like ChatGPT to orchestrate schemes involving targeted email fraud and phishing attempts." These attacks often lure victims into divulging sensitive information such as usernames and passwords by clicking on deceitful links.

According to data gathered in the last quarter of 2022, approximately 31,000 fraudulent emails were being sent each day, marking a 967% increase in credential phishing attempts. The majority of these attacks, about 70%, were conducted through text-based business email compromises (BEC), while 39% targeted mobile users through SMS phishing (smishing).

Cybersecurity measures are being pushed to evolve in response to these threats. Reads suggested that "it is vital for companies to integrate AI directly into their security frameworks to monitor all communication channels and neutralize risks consistently." Despite efforts by AI developers to prevent misuse of their platforms, cybercriminals continue to find ways to circumvent these protections.

The potential for the misuse of generative AI extends beyond phishing attacks. Recent research, including studies from the RAND Corporation, has raised alarms about the possibility of terrorists using these technologies for planning and executing biological attacks. Additionally, exploiting less commonly tested languages has shown how hackers can trick ChatGPT into providing instructions for criminal activities.

In an effort to address these vulnerabilities, OpenAI has engaged cybersecurity experts in Red Teams to identify and remedy security weaknesses in its AI systems, a move that underscores the ongoing battle between technological advancement and its exploitation by malicious actors.

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The rise of Generative AI technologies like ChatGPT has been met with a dramatic increase in cyber threats, particularly in the realm of email phishing attacks.

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NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(16) "Related Articles" ["group_access"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [9]=> object(stdClass)#10003 (33) { ["id"]=> int(9) ["title"]=> string(17) "Third article URL" ["name"]=> string(17) "third-article-url" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2020-07-08 05:42:42" ["created_user_id"]=> int(2351) ["ordering"]=> int(0) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#9633 (3) { ["data":protected]=> object(stdClass)#9623 (1) { ["relative"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#9626 (3) { ["data":protected]=> 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string(0) "" } [4]=> object(stdClass)#10001 (33) { ["id"]=> int(4) ["title"]=> string(9) "Video URL" ["name"]=> string(9) "video-url" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2020-06-19 05:54:21" ["created_user_id"]=> int(2351) ["ordering"]=> int(1) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#9630 (3) { ["data":protected]=> object(stdClass)#9628 (2) { ["filter"]=> string(0) "" ["maxlength"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#9629 (3) { ["data":protected]=> object(stdClass)#9657 (10) { ["hint"]=> string(0) "" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(1) "2" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["type"]=> string(4) "text" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(2) ["label"]=> string(9) "Video URL" ["description"]=> string(0) "" ["required"]=> int(0) ["only_use_in_subform"]=> int(0) ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(22) "Summary points + video" ["group_access"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [6]=> object(stdClass)#9989 (33) { ["id"]=> int(6) ["title"]=> string(33) "Image Caption / Video description" ["name"]=> string(31) "image-caption-video-description" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) 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string(0) "" ["required"]=> int(0) ["only_use_in_subform"]=> int(0) ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(22) "Summary points + video" ["group_access"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [5]=> object(stdClass)#9906 (33) { ["id"]=> int(5) ["title"]=> string(22) " Essential information" ["name"]=> string(21) "essential-information" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2020-06-25 06:10:20" ["created_user_id"]=> int(2351) ["ordering"]=> int(4) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#9662 (3) { ["data":protected]=> object(stdClass)#9670 (4) { ["buttons"]=> string(0) "" ["width"]=> string(0) "" ["height"]=> string(0) "" 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"Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(22) "Summary points + video" ["group_access"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [2]=> object(stdClass)#10009 (33) { ["id"]=> int(2) ["title"]=> string(14) "Embedded Video" ["name"]=> string(14) "embedded-video" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2020-06-20 01:43:32" ["created_user_id"]=> int(2351) ["ordering"]=> int(5) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#9669 (3) { ["data":protected]=> object(stdClass)#9674 (4) { ["buttons"]=> string(0) "" ["width"]=> string(0) "" ["height"]=> string(0) "" ["filter"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#9671 (3) { ["data":protected]=> object(stdClass)#9676 (10) { ["hint"]=> string(29) "Paste your embedded code here" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(1) "2" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["type"]=> string(6) "editor" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(2) ["label"]=> string(14) "Embedded Video" ["description"]=> string(0) "" ["required"]=> int(0) ["only_use_in_subform"]=> int(0) ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(22) "Summary points + video" ["group_access"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } } ["link"]=> string(92) "/invest-money/advice/email-phishing-attacks-skyrocket-due-to-chatgpts-influence-experts-warn" ["image"]=> string(164) "https://res.cloudinary.com/momentum-media-group-pty-ltd/image/upload/v1709682470/Email_phishing_attacks_skyrocket_due_to_ChatGPT_s_influence_experts_warn_sllm6f.jpg" ["image_alt"]=> string(73) "Email phishing attacks skyrocket due to ChatGPT's influence, experts warn" } }