Advice

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Recognising that financial advice needs to be made more readily available to Australians through their super funds, one advocacy group is calling for the widespread uptake of a “record of advice” instead of the commonly used “statement of advice”.

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The Association of Superannuation Funds of Australia (ASFA) has called for increased productivity and efficiencies within the Australian super industry and has developed a “six-step plan” for post-COVID-19 gains.

It wants to make advice more accessible to members, noting that “one of the factors that can make a significant difference to member outcomes in retirement is receiving financial advice”.

Acknowledging that current challenges do impede efficiencies of providing advice and can make advice less accessible and unaffordable for the average person, ASFA has proposed that members’ most frequently asked questions should be able to be answered through a record of advice, or an RoA.

This is instead of an industry standard statement of advice (SoA).

An average SoA costs a member approximately $1,500-$2,500, whereas an average RoA would cost a member approximately $300-$500, ASFA explained.

“With the current cost of advice posing a significant barrier for members, the comparatively cheaper cost of an RoA would help make advice more accessible,” it said.

According to the advocacy group, questions that could “easily” be answered through an RoA include:

• Should I stay invested as I am or move my money to a different investment option?
• My account balance has dropped, what should I do?
• How do I set up a pension account?
• Can I claim a tax deduction on my contributions?
• How much can I contribute into my superannuation?
• How do I withdraw my superannuation under compassionate grounds?

ASFA is proposing that an advice provider would provide the RoA instead of an SoA on specified advice topics, with a template provided by ASIC to ensure compliance and consistency.

While some topics covered by an RoA may be categorised as intra-fund advice, ASFA believes it would be up to the super fund to decide whether it will be provided as intra-fund advice or not.

A move to RoAs would require appropriate records to be kept and provided to members and regulators as required.

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Recognising that financial advice needs to be made more readily available to Australians through their super funds, one advocacy group is calling for the widespread uptake of a “record of advice” instead of the commonly used “statement of advice”.

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Good financial planning is about doing the small things consistently over time, a private wealth adviser has outlined while touting the benefits of good financial advice.

Write comment (0 Comments) " ["fulltext"]=> string(2402) "

In conversation with nestegg, Stanford Brown’s Kirsten Lynn has shared the most common mistake she sees people make when it comes to their money – making short-term ad hoc decisions about their finances without having articulated the overall goals and strategy.

This would not necessarily be an issue, except for the fact that one of her most commonly received questions from clients is, “Am I on track? Will I have enough?”

This is when it’s important to go back to your objectives, she considered.

This requires reflection of “both what they want to achieve for themselves and what they want to leave as a legacy for children or other family members.”

One of the under-appreciated benefits of working with a financial adviser, according to Ms Lynn, is “working together to understand and articulate their objectives”.

With that in mind, Ms Lynn said her response to her clients would be to discuss how much the individual or couple wants to keep spending and how this will impact on capital.

This is where financial projections can come in handy. “I often use simple financial projections to show the impact of different spending levels to illustrate the trade-offs,” she flagged.

But while capital can be a big issue, “financial advice is not always just about achieving the optimal financial outcome when there are people involved”.

She recommends seeking out a professional “who will work with you to understand what you are looking to achieve, explain the trade-offs and assist you to make an informed decision”.

“The family dynamics and non-financial objectives matter,” the wealth adviser added.

“Another benefit that people may not realise is the peace of mind of having a trusted adviser who understands and coordinates your financial world and can assist you and your loved ones if anything happens to you,” she continued.

This is especially important in the area of intergenerational wealth transfer, where Ms Lyn said “it’s common to find someone has significant wealth and complex structures but has not updated their will or considered how control of that wealth will be transitioned to the next generation”.

“There is an important role for financial advisers, accountants and estate planners to work together in this area,” she said.

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Good financial planning is about doing the small things consistently over time, a private wealth adviser has outlined while touting the benefits of good financial advice.

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The stress caused by COVID-19 has caused a spike in the occurrence of family violence, but less attention has been paid to financial or economic abuse, which is often “invisible” in nature. Would you know what to look out for?

Write comment (1 Comment) " ["fulltext"]=> string(5041) "

RMIT University’s Supriya Singh, an honorary professor in the university’s graduate school of business and law, has warned that “a tsunami of economic abuse reports by women threatens to flood services once they can safely seek help”.

“COVID-19 has further entrapped women and children suffering family violence,” she said, noting an increase in calls from victims of such violence, especially for those who have re-entered stage 3 restrictions in Melbourne.

But even more worrying from her perspective “is the silence of women who are trapped”, with isolation, fear and entrapment key elements of coercive control that sits at the centre of family violence.

According to Professor Singh, even where women do feel safe enough to seek help, more instances of family violence are arising – especially in lockdown-like scenarios and due to the extra stress that the COVID-19 crisis is causing.

Pre-pandemic, “the best estimate is one in four women suffer financial/economic abuse by an intimate partner”, she highlighted.

Worryingly, “financial abuse will rise because of the general economic fragility and uncertainty” that is present at the moment.  

“Financial abuse is gendered, in that it’s men who abuse women. And it is women who are more impacted by financial vulnerability because of COVID,” the academic explained.

“Women have lost more hours of work as they are often casual workers in hospitality, health and education. Fewer women receive JobKeeper payments because of the insecurity of their work. At the same time, women are doing more hours of unpaid work at home,” Professor Singh stated.

All of these factors make for a greater incidence of financial stress and make it more difficult to plan to leave an abusive situation.

Explaining how economic abuse does occur, Professor Singh went on to illustrate how “a woman is embarrassed and ashamed when she finds herself without access to money and economic assets, has her money and property appropriated, and is prevented from gaining assets.”

“She thinks it is her fault. She cannot name economic abuse as family violence. She does not realise she is being subjected to a pattern of abuse that entraps her, denying her human rights and taking away her sense of self,” she explained.

Recognising the signs

According to Professor Singh, family, friends and acquaintances should be aware of the warning signs of financial or economic abuse, and consider the following questions.

• Is the woman constantly short of money, even though she and her partner may appear well off?

• Does she appear to be always worried about bills?

• Is there a gambling problem within the family?

• Is the woman always trying to excuse her partner’s controlling behaviour or overspending?

• Is the woman’s household goods being repossessed or her jewellery pawned?

• Have any friends or family been approached about providing a loan?   

How to help

From Professor Singh’s perspective, one of the most helpful things that friends, family and acquaintances can do “is to name it as financial or economic abuse”.

Secondly, it’s worth talking to the victim that “financial abuse is family violence – suffering the violence of money”.

“Most people do not associate financial/economic abuse with family violence, though it is part of the legal definition of family violence. They think family violence means he is beating you,” she expressed.

The academic said, to start, “offer help by first listening without being judgemental”.

“Tell her you are there to help. Tell her also where she can seek help. Also alert her, if needed to multicultural agencies that help with family violence. It is easier to get help when the cultural lens of money is the same,” she added.

As financial and economic abuse is family violence, the academic advised that any services dealing with family violence “should also be able to offer at least temporary help and/or refer a person to specialist services like financial or family counselling”.

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The stress caused by COVID-19 has caused a spike in the occurrence of family violence, but less attention has been paid to financial or economic abuse, which is often “invisible” in nature. Would you know what to look out for?

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Ahead of the release of the long-awaited Retirement Income Review, one advocacy group has called for better access to affordable information, guidance and advice for Australia’s retirees.

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The Actuaries Institute has called for the development of a new regulatory regime to govern financial advice in Australia, which would better ensure people can access low-cost guidance to help them make better decisions about money management.

Andrew Boal, convenor of the Actuaries Institute’s retirement strategy group, said better access to advice services would allow Australians to improve their lives in retirement.

“We need a regulatory framework that allows for affordable access to information and guidance for the majority of retirees,” he considered.

“That advice could cost as little as $200 to $300.”

As to the type of advice, Mr Boal said it could be single-issue scaled advice or a modified version of intra-fund advice.

“While the retirement experience is generally quite heterogeneous, there are still a lot of people in quite large cohorts who have very similar circumstances with similar needs in retirement,” he commented.

“We should be able to come up with a system to give people the guidance they need at an affordable price.”

At the moment, more complicated personal advice can cost thousands of dollars, but according to Mr Boal, “only retirees in the top 5 to 10 per cent of savers typically have the level of complexity to justify expensive personal advice”.

This may result in pressure being placed on super funds to spend more money on financial information and guidance that could help members to make better decisions regarding their money, the convenor said.

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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) "2020-07-22 02:27:16" ["slug"]=> string(43) "15481:the-argument-for-200-financial-advice" ["parent_slug"]=> string(16) "284:invest-money" ["catslug"]=> string(10) "312:advice" ["event"]=> object(stdClass)#5976 (3) { ["afterDisplayTitle"]=> string(0) "" ["beforeDisplayContent"]=> string(0) "" ["afterDisplayContent"]=> string(0) "" } ["text"]=> string(382) "

Ahead of the release of the long-awaited Retirement Income Review, one advocacy group has called for better access to affordable information, guidance and advice for Australia’s retirees.

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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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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.

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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 

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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)#5742 (3) { ["data":protected]=> object(stdClass)#5745 (1) { ["relative"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#5744 (3) { ["data":protected]=> object(stdClass)#5747 (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)#5993 (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)#5746 (3) { ["data":protected]=> object(stdClass)#5749 (1) { ["relative"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#5748 (3) { ["data":protected]=> object(stdClass)#5751 (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)#5990 (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)#5750 (3) { ["data":protected]=> object(stdClass)#5753 (2) { ["filter"]=> string(0) "" ["maxlength"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#5752 (3) { ["data":protected]=> object(stdClass)#5755 (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)#5991 (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)#5754 (3) { ["data":protected]=> object(stdClass)#5757 (2) { ["filter"]=> string(0) "" ["maxlength"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#5756 (3) { ["data":protected]=> object(stdClass)#5759 (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)#5986 (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)#5758 (3) { ["data":protected]=> object(stdClass)#5764 (1) { ["options"]=> object(stdClass)#5762 (2) { ["options0"]=> object(stdClass)#5761 (2) { ["name"]=> string(8) "Inactive" ["value"]=> string(1) "0" } ["options1"]=> object(stdClass)#5763 (2) { ["name"]=> string(6) "Active" ["value"]=> string(1) "1" } } } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#5760 (3) { ["data":protected]=> object(stdClass)#5766 (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)#5989 (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)#5765 (3) { ["data":protected]=> object(stdClass)#5768 (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)#5767 (3) { ["data":protected]=> object(stdClass)#5770 (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)#5999 (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)#5769 (3) { ["data":protected]=> object(stdClass)#5772 (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)#5771 (3) { ["data":protected]=> object(stdClass)#5774 (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(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" } }