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Only two-thirds of Australians under the age of 25 believe they are financially responsible with money, while one in 10 Australians doesn’t get their financial act together until the age of 30, new research has shown.

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Research conducted by “buy now, pay later” (BNPL) provider OpenPay through a September 2020 survey highlights that the definition of ‘financial adulting’ is, for almost half of Aussies, simply spending less money than you make each month.  

According to the survey results, a vast majority of young Australians do not see investing in property, shares or having a home loan as making them financially responsible.

With around two-thirds of people currently feeling like they are responsible with their money, the survey looked to explore what prompts Australians to start taking their budget seriously.

The humdrum of paying for household bills, groceries and car insurance – the realities of adulting – made over two-fifths of respondents start thinking about being more responsible with their finances.  

“There’s a steep curve to adulting. It feels like one day like the world is your oyster and the next you’re debating how cost-effective it is to get private health insurance to pay for your new glasses, or coming to terms with an unexpected vet bill for your cavoodle,” said Mr Eidel. 

“Part of financial adulting is managing your cash flow, making sure you have enough money at the end of each month to cover your costs, but also being able to afford the things that bring you joy.” 

Real-world financial education

While the majority of young Australians believe they are financially savvy, 73 per cent said they did not learn about finances in school.

Without this school education in place, everyone under the age of 54 said they got most of their financial advice from their parents. Yet only two-fifths believe their parents are financial role models, and a third reported that they act differently with their money to their mum or dad.

Some even feel like they don’t have enough financial knowledge to pass onto their kids, with one in 10 saying they would hire an expert to teach their children about money.

“Young Australians face very different career paths and economic challenges than their parents, but they also have different expectations for how they should be able to manage their financial activities. The rise in BNPL services is an example of how younger consumers are changing the market in their demand for autonomous, smarter ways to manage their financial responsibilities,” Mr Eidel concluded.

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Only two-thirds of Australians under the age of 25 believe they are financially responsible with money, while one in 10 Australians doesn’t get their financial act together until the age of 30, new research has shown.

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Ahead of a possible rate cut, new research has found that lowering the official cash rate is unlikely to lift consumer spending.

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The Reserve Bank of Australia (RBA) is expected to reduce the official cash rate from 0.25 per cent to 0.10 per cent when it meets on Tuesday, 3 November.

Canstar survey data has revealed that lower interest rates do not encourage Australians to spend, with only 6 per cent saying lower rates are a catalyst to spend in the next 12 months.

Instead, higher wages, improved savings interest rate and job security will get Australians to empty their wallets.

Canstar group executive, financial services, Steve Mickenbecker said a cash rate reduction is unlikely to have the desired effect.

“With existing home and business borrowers unlikely to see much of the cut and the former unlikely to spend it even if they do, the stimulus of a rate cut to the economy will be very modest,” said Mr Mickenbecker. 

“Borrowing rates are so low already that a cut is largely irrelevant. Even if passed on fully, a cut of 0.15 per cent to the average $400,000 over 30 years will lower the monthly repayment by $33, not enough to make much of a difference to borrowers’ spending and house purchase intentions.”

Mr Mickenbecker said changes in the rate are “largely symbolic”, with banks able to get swap rates below 0.10 and the three-year government bond rate being 0.135 per cent.

The financial expert also pointed out that money spent in the economy from savers could disappear due to lower rates.

“Unfortunately the people who expect spending stimulus from increased savings rates will not see any joy, as the trend of rate cuts for savers is likely to continue. No bank is keen to put a zero or negative base rate into the market, but savers can expect further cuts to bonus rates and introductory rates.”  

In 2020, the Reserve Bank has cut the cash rate by a total of 0.50 percentage point. Following is a snapshot, according to Canstar data, of what the banks and lenders have cut rates by during this time. 

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Ahead of a possible rate cut, new research has found that lowering the official cash rate is unlikely to lift consumer spending.

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Consumers are being urged to look at ways to save on their electricity bill as the new norm from COVID-19 sees Aussies spend more time at home.

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A study released by Compare the Market has found that nearly 73 per cent of Australian households say their electricity bill is their top concern this year, while 48 worry they cannot afford their electricity bill since the pandemic started.

Household savings expert at Compare the Market Abigail Koch shared five energy-saving devices to help reduce consumers power bills. 

1. Indoor sensor nightlights

These nightlights automatically turn on at dusk, allowing people to move around without having to switch on a light. From $6 per light and lighting up for 100,000 hours, these LEDs run at just¢ per hour.

2. Smart thermostats

These devices connect to your heating and cooling systems, enabling you to adjust the temperature from a smartphone app. The energy-efficient features can save an average household nearly 12 per cent a year on their electricity bill.

3. Smart power boards and plugs

These look like regular power boards and plugs but connect to your Wi-Fi, enabling you to control connected appliances from an app. Smart power boards and plugs allow you to monitor how much electricity a device is consuming, even on standby, helping you make changes to reduce your bill. By turning off devices such as TVs and game consoles, you could save more than $200 per year.

4. Solar-powered charger

These can be used on wireless devices, including phones, GPS devices and security cameras, saving the average Australian $25 a year if used on phones, iPads and laptops.

5. Smart glass and window

Despite being expensive at $185 a square metre, smart glass helps consumers keep warm in winter and cool in summer by adjusting the tint of the glass. Nearly 40 per cent of household energy usage comes from appliances that heat and cool. Installing Low-E glass in a large home (240 sq m, for example) can reduce your energy bill by more than $75 each year.

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Consumers are being urged to look at ways to save on their electricity bill as the new norm from COVID-19 sees Aussies spend more time at home.

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["alias"]=> string(41) "what-is-the-cost-of-poor-customer-service" ["introtext"]=> string(353) "

Retailers could be letting themselves down, with poor customer experience costing billions, new research has found.

Write comment (0 Comments) " ["fulltext"]=> string(2962) "

Results collated by LivePerson Customer Conversation Report has found that retailers are losing a combined $3.17 billion in revenue due to poor customer satisfaction.

Commenting on the data, APAC head of customer engagement at LivePerson, Kate Sterling, said COVID-19 has disrupted the retail sector and increased customer expectations, but in too many cases these aren’t being met.

“Customers now hold much more power. They are more judicious about what they buy; they are buying more online, and they expect their questions to be answered in real time, wherever they are and through whatever channel they prefer,” Ms Sterling said.

“Consumers are far more comfortable engaging with brands through new channels than many brands think. They’re already ready. They’re already doing it, and that’s the gap that retailers need to fill in order to gain a competitive advantage.”

However, the research also found that COVID-19 could see an improvement in customer service as retailers battle online shopping.

“Interestingly, Victorians (who have experienced Australia’s toughest lockdown measures to date) are the most positive about the future of customer service, with 47 per cent saying they believe the COVID-19 pandemic will ultimately lead to better retail customer service experience from brands compared to 39 per cent nationally,” Ms Sterling said.

Another standout finding from the LivePerson research was that the pandemic has accelerated customer adoption of digital tools and technology as part of their shopping experience.

“In fact, only 30 per cent of Australians now prefer ‘in-person’ customer service when they have a question they need answered when asked what they have become more comfortable with during the pandemic,” Ms Sterling said.

A roadmap out of the crisis

While businesses cannot control the pandemic or lockdowns from governments, Ms Sterling pointed out that improving customer care could be a roadmap out of the crisis for many retailers. 

“Australian consumers want a mix of physical and digital shopping experiences that prioritise communication, convenience and speed, alongside safety.

“The retailers that will do well this Christmas and, in the years to come, are those who care about customer experience and use technology to augment a personal approach,” Ms Sterling concluded.

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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) "2020-10-27 01:28:57" ["slug"]=> string(47) "15921:what-is-the-cost-of-poor-customer-service" ["parent_slug"]=> string(16) "284:invest-money" ["catslug"]=> string(12) "285:spending" ["event"]=> object(stdClass)#5075 (3) { ["afterDisplayTitle"]=> string(0) "" ["beforeDisplayContent"]=> string(0) "" ["afterDisplayContent"]=> string(0) "" } ["text"]=> string(353) "

Retailers could be letting themselves down, with poor customer experience costing billions, new research has found.

Write comment (0 Comments) " ["jcfields"]=> array(9) { [1]=> object(stdClass)#5072 (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)#4822 (3) { ["data":protected]=> object(stdClass)#4836 (1) { ["options"]=> object(stdClass)#4834 (2) { ["options0"]=> object(stdClass)#4833 (2) { ["name"]=> string(3) "Yes" ["value"]=> string(1) "1" } ["options1"]=> object(stdClass)#4835 (2) { ["name"]=> string(2) "No" ["value"]=> string(1) "0" } } } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#4832 (3) { 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As part of the road to recovery, Qantas has announced domestic and international destinations that Australians can travel to as early as 2021.

Write comment (1 Comment) " ["fulltext"]=> string(3471) "

During Qantas’ annual general meeting, the airline revealed that New Zealand and parts of Asia could become part of the bubble.

“Both Qantas and Jetstar are keeping a close eye on new markets that might open up as a result of these bubbles – including places that weren’t part of our pre-COVID network,” Qantas group chairman Richard Goyder remarked.

“By early next year, we may find that Korea, Taiwan and various islands in the Pacific are top Qantas destinations while we wait for our core international markets like the US and UK to reopen.”

CEO Alan Joyce pointed to the difficulty in the recovery with expectations of being back to 60 per cent of pre-COVID levels by now, instead the airline is offering at 30 per cent.

“This delay resulted in a $100 million negative impact on earnings for the first quarter of FY21 and will have an impact on Q2 as well,” Mr Joyce said.

“Essentially, this is a timing issue. We know the upswing will materialise – just later than planned.”

However, the CEO noted the airline is now in a position to cope with the slower border openings.

“Importantly, we have the liquidity to manage this”. 

“Assuming Queensland opens to New South Wales in coming weeks, we expect Group Domestic capacity to reach up to 50 per cent by Christmas.”

“We know that latent travel demand is strong. We saw that with our ‘scenic flight’ earlier this month, which sold out in 10 minutes. And we saw it when South Australia opened to New South Wales, with 20,000 seats selling across Qantas and Jetstar in just 36 hours,” the CEO continued.

With most international travel off limits for a while, Qantas is banking on a boom in domestic tourism once more borders open up. 

Acknowledging the impact of ‘difficult decisions’

Despite highlighting the positive position Qantas is in now, Mr Goyder said that, to survive, the company needed to make very hard decisions.

“As already announced, more than 6,000 people will leave the business, with a review of another 2,000-plus roles in ground handling underway.

“Around 18,000 of our people remain stood down.”

“The human impact of these actions deserves to be acknowledged. Many regard Qantas or QantasLink or Jetstar as not just their employer, but a second family. I want to pay particular tribute to those who have left after many years – sometimes decades – of loyal service to the national carrier.”

“Can I also say, these decisions are about putting the Qantas Group in a position where we can survive, recover and ultimately grow again. They are about preserving as many jobs as possible in the long term,” the chairman concluded.

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Australians are lowering their expectations for the upcoming festive season, with lower spending, socialising and travelling predicted, a research company has found.

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Research conducted by ASX-listed Pure Profile found that Australians are planning to spend less this Christmas, with just one in five consumers planning on spending $500 on gifts, down 30 per cent from 2019.

It also found that one in 10 Australians will simply skip buying gifts altogether, which is nearly double compared with 2019.

“Contrary to federal budget hopes, the research also found that spending habits were set to change, with just 20 per cent planning on spending over $500 on gifts this year. In 2019, this was almost 30 per cent,” Pure Profile CEO Martin Filz said.

“There is also a drop in spending cash to pay for gifts, with half planning on paying via debit cards.”

This is in line with research indicating that more people don’t want gifts this year, with 10 per cent of Australians saying they won’t buy any gifts this festive season.

Close to half indicated that they hoped to receive gift cards, while 48 per cent said they wanted to receive money. 

The survey results also found that consumer travel has changed, with less respondents indicating plans to travel interstate if they can, while more would travel overseas if the borders opened up.

The research also asked respondents about their mental health, with Australians reporting that feelings of loneliness have almost doubled from 8 per cent last year to 15 per cent this year. 

“These figures are telling. We’re a population struggling with the new normal caused by COVID-19 this Christmas. We’re watching our wallets and only spending money that we are absolutely certain we have,” Mr Filz said.

“It’s still unclear what COVID-19 will bring in the new year, whether that’s more waves of the disease or the vaccine we’re all hopeful for. It’s clear from this research that the uncertainty is having a big impact on consumer behaviour and spending habits.”

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Australians are lowering their expectations for the upcoming festive season, with lower spending, socialising and travelling predicted, a research company has found.

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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)#4841 (3) { ["data":protected]=> object(stdClass)#4844 (1) { ["relative"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#4843 (3) { ["data":protected]=> object(stdClass)#4846 (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)#5092 (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)#4845 (3) { ["data":protected]=> object(stdClass)#4848 (1) { ["relative"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#4847 (3) { ["data":protected]=> object(stdClass)#4850 (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)#5089 (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)#4849 (3) { ["data":protected]=> object(stdClass)#4852 (2) { ["filter"]=> string(0) "" ["maxlength"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#4851 (3) { ["data":protected]=> object(stdClass)#4854 (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)#5090 (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)#4853 (3) { ["data":protected]=> object(stdClass)#4856 (2) { ["filter"]=> string(0) "" ["maxlength"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#4855 (3) { ["data":protected]=> object(stdClass)#4858 (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)#5085 (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)#4857 (3) { ["data":protected]=> object(stdClass)#4863 (1) { ["options"]=> object(stdClass)#4861 (2) { ["options0"]=> object(stdClass)#4860 (2) { ["name"]=> string(8) "Inactive" ["value"]=> string(1) "0" } ["options1"]=> object(stdClass)#4862 (2) { ["name"]=> string(6) "Active" ["value"]=> string(1) "1" } } } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#4859 (3) { ["data":protected]=> object(stdClass)#4865 (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)#5088 (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)#4864 (3) { ["data":protected]=> object(stdClass)#4867 (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)#4866 (3) { ["data":protected]=> object(stdClass)#4869 (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)#5098 (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)#4868 (3) { ["data":protected]=> object(stdClass)#4871 (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)#4870 (3) { ["data":protected]=> object(stdClass)#4873 (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(48) "/invest-money/spending/how-covid-stole-christmas" ["image"]=> string(47) "images/article-826x550/christmas-rubbish-ne.jpg" ["image_alt"]=> string(25) "How COVID stole Christmas" } }