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The COVID-19 crisis has been a wake-up call for individuals the world over to get their finances in order, with one financial advice provider noting a massive jump in new enquiries.

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Global financial advisory organisation deVere Group has reported a 24 per cent surge in new client enquiries across the month of April, which it attributes to individuals, households and businesses readjusting and looking to the future – a direct result of the COVID-19 crisis.

“Disruption and dislocation have hit entire economies and businesses of all sizes and in all sectors,” the group’s chief executive and founder, Nigel Green, outlined.

He explained that this has had “a very real and very immediate impact on the finances of individuals, households and businesses around the world”.

“Suddenly, unexpectedly, many have realised that they didn’t have sufficient money behind them, they didn’t have contingency plans.”

Flagging that, already, “2020 has been a year of change”, Mr Green said the majority of new clients are seeking advice on savings plans, investments, foreign exchange, pensions and retirement planning and tax planning.

Mr Green commented that a lack of forward planning in relation to the above could have consequences for not only the lifestyles and life opportunities of themselves and loved ones, but for those in business, the long-term sustainability of their firm.

“With financial matters back in sharp focus, for many, ‘I should have’ becomes ‘I need to have’,” he said.

“This most unusual situation has dramatically underscored that no one really knows what is around the corner.”

Mr Green said that now more than ever, people are seeking to be as financially prepared as they can for any eventuality.

“For an increasing number, this includes a change in the way we prioritise, with long-term financial security for ourselves and our loved ones ever-more important.”

The same thing happened following the 2008 global financial crisis: “That too served as a wake-up call to many people to ensure that they become financially secure and there was a subsequent increase in demand for advice.”

“Even then – when confidence in financial institutions, especially traditional banks, was at an all-time low – people understood that as the world evolves, your financial planning strategies might need to also,” he expressed.

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The COVID-19 crisis has been a wake-up call for individuals the world over to get their finances in order, with one financial advice provider noting a massive jump in new enquiries.

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For the second time in two days, the corporate watchdog has delivered a warning to consumers – this time about investment product advertising that isn’t “true to label”.

Write comment (1 Comment) " ["fulltext"]=> string(3673) "

The Australian Securities and Investments Commission (ASIC) is now warning consumers about investment advertising that compares fixed-term investment products to bank term deposits.

In a statement, the regulator said it has seen a surge in such market over recent months – and is cautioning consumers to “take care making investment decisions based on such advertising”.

According to ASIC, fixed-income products are being advertised as term deposit “alternatives” or “substitutes”, and the practice is leading consumers to invest significant sums of money.

Many consumers are currently seeking higher and more regular returns on their investments due to low interest rates and market volatility, but ASIC warned that there are significant differences between bank term deposits, which it considers “relatively low-risk”, and fixed-term funds and debentures offering regular fixed distributions “that are higher-risk investment products”.

The regulator considers bank term deposits relatively low-risk because they are protected by the government’s Financial Claims Scheme, and because banks are actively supervised and monitored by the Australian Prudential Regulation Authority (APRA) to ensure they honour their banking commitments.

Fixed-term investment products are riskier “because they may be issued by entities that are not well capitalised, not protected by the government’s Financial Claims Scheme and not supervised by APRA”, ASIC outlined.

Some are reportedly even backed by concentrated portfolios of higher-risk unlisted and illiquid assets.

ASIC deputy chair Karen Chester has weighed in, noting that “if an investment product offers higher returns than a term deposit, it is more likely than not to be higher-risk”.

“In the current uncertain and volatile markets, higher-risk investment products are, more than ever, not for everyone – especially for smaller investors, be they retail or wholesale, when they are not investing as part of a diversified portfolio,” she said.

She warned consumers to “be wary of investments that claim to be ‘like’ a ‘term deposit’.”

Products spruiking even a 2 or 3 percentage point higher return than a term deposit represent significantly higher risk, according to the deputy chair, who also observed products in the market offering only marginally higher returns with much higher-risk profiles.

“Investment products marketed to consumers should be true to label,” Ms Chester continued.

“When choosing an investment product, carefully assess if the product is appropriate for your circumstances, particularly when comparing relatively low-risk products such as bank term deposits with other higher-return and thus higher-risk investments.”

If in doubt, Ms Chester urged individuals to seek independent financial advice.

“Products should not be marketed as having features like low risk of loss, regular returns or easy access to withdrawals unless the product issuer has reasonable grounds to believe they have and will continue to have such features through the economic cycle,” she outlined.

“Product issuers need to ensure broad statements in their product marketing reconcile with the fine print in any offer document.”

The new warning comes just a day after ASIC said retail investors are playing a “particularly dangerous” game in trying to time the sharemarket amid current volatility.

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For the second time in two days, the corporate watchdog has delivered a warning to consumers – this time about investment product advertising that isn’t “true to label”.

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Financial complaints could take longer to resolve, with the Australian Financial Complaints Authority lengthening the time frame for financial firms to respond to issues raised by individuals and businesses.

Write comment (0 Comments) " ["fulltext"]=> string(1733) "

The change will see a nine-day extension come into immediate effect due to COVID-19 that is applicable to all complaints, including those relating to financial difficulty.

AFCA noted that while financial firms have previously had 21 days to respond when AFCA has notified them of a complaint, they will now have 30 days.

CEO and chief ombudsman David Locke said AFCA is aware of the difficult circumstances financial firms and the community are facing, and an extension “ensures all parties involved had sufficient time to work together to resolve the complaint”.

He outlined that “AFCA has been talking to key stakeholders and has heard the complexities facing financial firms, small business and consumers in the current environment”.

“We have worked with ASIC to get an extension to the time financial firms have to respond to complaints that have already been through internal dispute resolution processes.”

He explained that the extension “allows financial firms more time to resolve disputes with their customers, without the need to come to AFCA for an external dispute resolution service”.

It reportedly recognises the pressure parts of the financial services industry are under, with Mr Locke flagging “unprecedented levels of customer queries and financial hardship requests”.

“It also gives consumers more realistic expectations about when they will get a response.”

From a consumer perspective, the CEO conceded it is important to note “that if a financial difficulty case has been brought to AFCA, then in most cases, no enforcement action can be taken while the matter is with us”.

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Financial complaints could take longer to resolve, with the Australian Financial Complaints Authority lengthening the time frame for financial firms to respond to issues raised by individuals and businesses.

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["label"]=> string(14) "Embedded Video" ["description"]=> string(0) "" ["required"]=> string(1) "0" ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(22) "Summary points + video" ["group_access"]=> string(1) "1" ["group_state"]=> string(1) "1" ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } } ["link"]=> string(65) "/invest-money/advice/financial-firms-given-9-day-complaint-leeway" ["image"]=> string(49) "images/article-826x550/woman-talking-phone-ne.jpg" ["image_alt"]=> string(32) "financial firms complaint leeway" } [3]=> object(stdClass)#4147 (56) { ["id"]=> string(5) "14980" ["title"]=> string(39) "Pandemic puts consumers as top priority" ["alias"]=> string(39) "pandemic-puts-consumers-as-top-priority" ["introtext"]=> string(360) "

Aware of a “heightened risk of significant consumer harm”, Australia’s corporate regulator will be strengthening its support for COVID-19-affected individuals.

Write comment (0 Comments) " ["fulltext"]=> string(1496) "

The Australian Securities and Investments Commission (ASIC) has said it will be temporarily changing its regulatory work and priorities to allow it to focus fully on “issues of immediate concern” related to the current pandemic.

As a result, it will be heightening its support for consumers who may be vulnerable to scams and sharp practices, or who receive poor advice.

ASIC has also indicated it will provide information and assistance to consumers who need support “should they fall into hardship”.

The regulator’s chair, James Shipton, said it expects the Australian financial services sector “to continue to act fairly and in the best interests of consumers in these extraordinary times”.

He explained that COVID-19 has increased ASIC’s workload, “as there is a heightened risk of significant consumer harm, the possibility of serious breaches of the financial services laws, and challenges in ensuring market integrity and the continued funding of companies and the economy”.

“ASIC is being especially vigilant in addressing predatory practices, scams and frauds,” Mr Shipton indicated.

To do this, ASIC said it will be deferring some current activities, as well as redeploying staff to address issues of immediate concern.

It still expects entities to treat customers fairly, avoid adding further financial harm or burden to consumers, and act to maintain the integrity and efficiency of markets.

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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) "2020-04-15 02:25:42" ["slug"]=> string(45) "14980:pandemic-puts-consumers-as-top-priority" ["parent_slug"]=> string(16) "284:invest-money" ["catslug"]=> string(10) "312:advice" ["event"]=> object(stdClass)#4502 (3) { ["afterDisplayTitle"]=> string(0) "" ["beforeDisplayContent"]=> string(0) "" ["afterDisplayContent"]=> string(0) "" } ["text"]=> string(360) "

Aware of a “heightened risk of significant consumer harm”, Australia’s corporate regulator will be strengthening its support for COVID-19-affected individuals.

Write comment (0 Comments) " ["jcfields"]=> array(9) { [1]=> object(stdClass)#4499 (32) { ["id"]=> string(1) "1" ["title"]=> string(17) "Automatic tagging" ["name"]=> string(17) "automatic-tagging" ["checked_out"]=> string(1) "0" ["checked_out_time"]=> string(19) "0000-00-00 00:00:00" ["note"]=> string(0) "" ["state"]=> string(1) "1" ["access"]=> string(1) "1" ["created_time"]=> string(19) "2018-08-29 05:26:30" ["created_user_id"]=> string(4) "2355" ["ordering"]=> string(2) "-1" ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#4249 (3) { ["data":protected]=> object(stdClass)#4263 (1) { ["options"]=> object(stdClass)#4261 (2) { ["options0"]=> object(stdClass)#4260 (2) { ["name"]=> string(3) "Yes" ["value"]=> string(1) "1" } ["options1"]=> object(stdClass)#4262 (2) { ["name"]=> string(2) "No" ["value"]=> string(1) "0" } } } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#4259 (3) { 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One financial services firm wants the government to subsidise the cost of advice for the everyday Australian as the coronavirus crisis deepens.

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As hundreds of thousands of jobs are lost and retail investors panic about the continuing market volatility, Sequoia Financial Group has called on the government to subsidise the cost of advice for consumers.

“Never have we seen so many once financially viable businesses close their doors, so many people lose their jobs or lose a substantial percentage of their income,” said Sequoia managing director Garry Crole.

“While the government has announced some tremendous initiatives, which can assist many through this period, a lack of understanding on where to go or how to access these benefits compounds the stressful scenario faced by many.”

Sequoia flagged the government’s early superannuation release scheme as one area where consumers require ‘appropriate advice’ about the long-term consequences for their retirement, and noted that ASIC had already raised the alarm on unqualified people providing advice in this area.

“Never in our nation’s history has there been a situation where the need for professional financial advice is so crucial yet simultaneously inaccessible for some of the most vulnerable,” Mr Crole said.

Sequoia’s proposed benefit would be limited to super fund members with account balances under $200,000 or people aged above 50 facing a “significant change in circumstances”, and would be rolled out after consultation between advisers and the government.

“If the federal government and the planning industry could work together on this problem, I expect that planners would also commit to lower entry fees for financial advice so that all Australians could have the benefit of professional financial advice,” Mr Crole said.

“I believe a subsidy, in the form of a rebate, would support Australians in need of advice and increase the effectiveness of the various support packages, which is for the benefit of all Australians.”

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One financial services firm wants the government to subsidise the cost of advice for the everyday Australian as the coronavirus crisis deepens.

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Investors caught up in the COVID-19 era would be wise to remember that wealth is the transfer of money from the ignorant to the well informed, a chief analyst has said.

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Dale Gillham, chief analyst at financial services company Wealth Within, has flagged that it’s inevitable “that when the sharemarket falls heavily, we see an increase in the number of people questioning not only the stock market but their advisers and the products they have chosen to invest in”.

He said that in the past, investors would typically do what he calls the “dump and run” strategy: Investors had an investment or financial issue that would be dumped on an adviser because they preferred not getting too involved in the process.

“Their expectation, at the time, was that the financial planner would ensure they get a consistently good return on their money,” he explained.

“But when the GFC hit and that did not occur, investors blamed their advisers, with many believing they could do better with their investments,” Mr Gillham noted, which resulted in a huge amount of money moving away from traditional superannuation into SMSFs.

It has led the analyst to consider whether investors have done any better for themselves in the latest market “meltdown”, thanks to COVID-19.

According to Mr Gillham, investors are now savvier than they were 10 years ago.

“They understand that markets move up and down.”

“Further, they understand that taking an active approach to managing their investments yields better results than the passive dump and run process of the past,” he added.

That said, the analyst said they also realise that to achieve better results, it is essential to educate themselves and take an active role.

From Mr Gillham’s perspective, a large number of investors have shared with him that they are doing well, “and by and large, these are the educated investors”.

He’s also hearing from a “considerable” number who aren’t doing so great “as they are emotional and making poor decisions”.

“Unfortunately, many of these investors are uneducated or ignorant as to how the market and investing works,” he conceded.

This is when Mr Gillham impressed upon the importance of remembering that “wealth is the transfer of money from the ignorant to the well informed”.

Because of this, he is very encouraging of any investors wanting to take an active role in managing their investments “to get educated”.

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Investors caught up in the COVID-19 era would be wise to remember that wealth is the transfer of money from the ignorant to the well informed, a chief analyst has said.

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["description"]=> string(0) "" ["required"]=> string(1) "0" ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(16) "Related Articles" ["group_access"]=> string(1) "1" ["group_state"]=> string(1) "1" ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [9]=> object(stdClass)#4519 (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)#4272 (3) { ["data":protected]=> object(stdClass)#4275 (1) { ["relative"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#4274 (3) { ["data":protected]=> object(stdClass)#4277 (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)#4516 (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)#4276 (3) { ["data":protected]=> object(stdClass)#4279 (2) { ["filter"]=> string(0) "" ["maxlength"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#4278 (3) { ["data":protected]=> object(stdClass)#4281 (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)#4517 (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)#4280 (3) { ["data":protected]=> object(stdClass)#4283 (2) { ["filter"]=> string(0) "" ["maxlength"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#4282 (3) { ["data":protected]=> object(stdClass)#4285 (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)#4512 (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)#4284 (3) { ["data":protected]=> object(stdClass)#4290 (1) { ["options"]=> object(stdClass)#4288 (2) { ["options0"]=> object(stdClass)#4287 (2) { ["name"]=> string(8) "Inactive" ["value"]=> string(1) "0" } ["options1"]=> object(stdClass)#4289 (2) { ["name"]=> string(6) "Active" ["value"]=> string(1) "1" } } } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#4286 (3) { ["data":protected]=> object(stdClass)#4292 (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)#4515 (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)#4291 (3) { ["data":protected]=> object(stdClass)#4294 (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)#4293 (3) { ["data":protected]=> object(stdClass)#4296 (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)#4525 (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)#4295 (3) { ["data":protected]=> object(stdClass)#4298 (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)#4297 (3) { ["data":protected]=> object(stdClass)#4300 (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(71) "/invest-money/advice/a-message-to-investors-get-active-and-get-educated" ["image"]=> string(54) "images/article-826x550/couple-holding-documents-ne.jpg" ["image_alt"]=> string(27) "Get active and get educated" } }