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Following a year of record-low interest rates, a volatile stock market and consumers flocking to access their superannuation, a financial expert has prepared six tips for Aussies looking to get on top of their finances in 2021.

Write comment (0 Comments) " ["fulltext"]=> string(4635) "

According to Minnik’s Chartered Accountants founder Leah Oliver, the start of the year could be a great time for Australians to look into their finances in order to get their spending back on track.

“Many of us start off the new year striving to be better with our money – saving more and spending less all in the name of financial freedom,” she said.

“As we head into the new year, having resolutions are all well and good, but good intentions alone are not going to get you any closer to your goals.” 

Ms Oliver has prepared six tips to help Aussies achieve their financial plans, build wealth and get on the path to financial freedom.

1. Now is the time to start!

This might sound obvious but there is no point putting it off – you can’t get your time back. When looking at investing and building your wealth portfolio, the best results are built on giving the investment time to thrive.

2. You need to know your numbers first

You need to be able to read your financial position and know exactly where you are starting from. This means knowing the good, the bad and the ugly. Take the time to go through your finances at a forensic level – without a complete personal accounting file, you will not have all the information you need to make the right financial decisions.

3. Mini goals maximise your chances of success

Everything has to be set on a goal, no matter what it is and what length of time it may require. By breaking down your goal into mini goals, you can use your personal accounting file to reach each one. Ideally, you plan your mini goals out with a strategy per month till you reach your ultimate goal.

• Break your primary goal down into long term and short term; 
• Then break down each of these goals into mini goals; 
• Then build out a strategy to work towards each mini goal.

4. Minimise your spending

As simple as this sounds, the quickest way to financial freedom is one where you don’t overspend along the way! Want to start off 2021 with real conviction? Cut up your credit cards! We need to have a drive to pay off debt and changes you make to your spending habits will only serve to help you reach your goals sooner. 

5. Maximise your income

The best way to increase your income is to increase the number of income streams you have available to you. If COVID has taught us anything, it is gone are the days where you can simply rely on the income from your job. What happens when your active income is taken away? This is where your wealth portfolio comes into play. Your wealth portfolio generates passive income. This is the income that is working for you while you sleep. Passive income is not only the safety net should you lose your active income, but it sets you up to enjoy the finer things in life and become financially free.

6. Grow the surplus

When it comes to investing and your wealth portfolio, there are some tips I have for first-time investors when it comes to growing your surplus:

1. It pays to get professional advice, and I’m not talking about what the bank says you can and can’t do!
2. Research, research, research!  
3. Capital growth is your number one priority in a wealth portfolio, and you make your money on the way in. By this I mean avoid premium overvalued purchase prices, and the sales pitch that focuses purely on “percentage return”.
4. Finally, on any strong investment, be prepared to commit for the long term.

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Following a year of record-low interest rates, a volatile stock market and consumers flocking to access their superannuation, a financial expert has prepared six tips for Aussies looking to get on top of their finances in 2021.

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New stats have revealed that Aussies are now richer than ever, having stashed away their cash during a year marred by the COVID-19 pandemic and the resulting economic shutdown.

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According to data from the Australian Bureau of Statistics (ABS), total household wealth is up 1.7 per cent to a record high $11.351 trillion.

“The September quarter estimate surpassed the previous high of $11,248 billion recorded in December quarter 2019, prior to the COVID-19 pandemic,” said the head of finance and wealth at the ABS, Amanda Seneviratne.

Three main contributors led to the growth in household wealth, with residential assets topping the board following a 1.2 per cent increase in the quarter. Deposits came next with a 5.4 per cent growth, while superannuation balances followed closely following a 1.1 per cent expansion.

Average household wealth increased 1.6 per cent (up $6,850) to $441,649 per person in the September quarter, similar to the growth of 1.5 per cent recorded in the June quarter.

Additionally, the ABS noted, a 0.1 per cent increase in the population was the reason total wealth grew marginally more than average wealth.  

“The September quarter 2020 financial accounts reflected improvements in the Australian and global financial markets, as well as a partial recovery of the domestic economy in response to government and RBA policies, and easing social restrictions across most of Australia,” Ms Seneviratne said.

Residential assets rose $86.8 billion, recouping the losses experienced in the June quarter. Holding gains of $73.6 billion on residential assets reflected a rebound in property prices as social distancing measures, such as restrictions on auctions and open house inspections, eased and economic conditions began to improve.

The ABS data also revealed that household deposits increased a record $63.7 billion as households continued to save at elevated levels during the September quarter.

According to the bureau, continuing government income support packages such as JobKeeper, economic support payments and early access to superannuation were the key drivers of the increase in deposits.

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As consumers shift from their usual grocery runs to online shopping, a growing number of older Australians are falling victim to cyber crime, an industry expert has warned.

Write comment (0 Comments) " ["fulltext"]=> string(3708) "

Stats released by the ACCC’s Scamwatch showed that money lost to all types of scams rose to $18.7 million, up 20.2 per cent from the $15.6 million lost to scammers in October. 

The ACCC’s report showed that Australia’s older population were the target of much of the cyber crimes, with 78 per cent of the money lost belonging to those aged 55 or above. 

Proofpoint ANZ area vice-president Crispin Kerr pointed out that holidays and major events unfortunately provide an opportunity for scammers to capitalise on vulnerable members of society. 

“Statistics about the older generation being targeted are always disheartening to see. Our advice this Christmas would be to employ the same level of scepticism and awareness online that you would in any real-life business transaction,” Mr Kerr said. 

“With phishing returning to the number one spot as the most reported type of scam, people should continue to be wary of all unsolicited communications, especially those asking for sensitive information, and remember that if it seems too good to be true, it probably is.”

Top 5 cyber crimes

In order to help protect vulnerable Australians from cyber crime, Jacqueline Jayne, security awareness advocate at KnowBe4 has compiled the top five most prevalent scams at Christmas, along with tips on how to avoid them.

Charity tricksters

Mr Jayne pointed out the holidays are traditionally the time for generosity and giving. It’s also the time that the cyber criminals try to trick money out of people that mean well.

TIP: Donate to charities you already know via their official website OR you call them directly.

Discounted vouchers or gift cards

She also advised consumers to be weary of the popular holiday scam of big discounts on gift cards. Don’t fall for offers from retailers or social media posts that offer phony vouchers or gift cards paired with special promotions or contests.

TIP: Only shop (online or in-store) at official or reputable places.

Fake mobile apps

Apps can sometimes bypass controls built in by the app store. Be wary of apps from unknown developers or those with limited/bad reviews.

TIP: Only use apps you know and trust and do your research before downloading a new app.

Bogus shipping or delivery

You are going to see an increase of emails and SMS notifications from Australia Post, DHL, FedEx etc and stores such as Amazon, Catch, eBay, Myer etc. Some of these will be fake and will ask you to click on a link or enter personal details to “fix the delivery issue” or “confirm the delivery address” etc.  

TIP: Only refer to official sites to confirm or track deliveries. If in doubt, call them!

Amazing deals

Remember that when a “special offer” sounds too good to be true, it usually is. There will be an increase of fake ads over the holiday season such as “Last one”, “FREE for the next 5 subscribers” and “Only 4 left in stock”.  

TIP: Never click on links in emails or pop-up ads on websites or social media pages with very deep discounts or seemingly incredible offers.

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As consumers shift from their usual grocery runs to online shopping, a growing number of older Australians are falling victim to cyber crime, an industry expert has warned.

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What exactly is robodebt? We’ve heard all the buzz, now it’s time to know what this controversial government scheme actually is. 

Write comment (0 Comments) " ["fulltext"]=> string(6698) "

Unless you’ve been living under a rock, you’ve probably heard all the buzz about robodebt. The infamous government program has recently been making headlines, so it’s no surprise that Australians (as well as the rest of the world) have plenty of questions. 

Activists and critics call it robodebt, but how does this system actually work? 

What is robodebt?

To fully understand how the robodebt saga unfolded, we must first discuss how the controversial system came to be. 

The Department of Human Services, which oversees Centrelink, has been using an automated Employment Income Confirmation system to identify possible overpayments of welfare benefits. It’s a system that is designed to perform data-matching by comparing the averaged income data from the Australian Taxation Office against previously declared income information reported back to Centrelink by those that claim payments. Ultimately, the system was created to calculate the Centrelink payments people should get. 

But this system was only used as the starting point for assessing whether a person had been overpaid and has a recoverable debt. If a discrepancy was identified, a Centrelink officer would launch an investigation and ask the person to provide additional information about their income statement (e.g. a bank statement or a payslip). 

If the person could not provide the additional information requested, Centrelink would often contact the employer directly or write to the bank before deciding if they have been overpaid. After the assessment, it is only then that the Centrelink writes that person a letter, and says they must repay a certain amount of money.

 What went wrong? 

In July 2016, the system with human oversight was significantly minimised with the introduction of the Online Compliance Intervention (OCI) system. The system was widely criticised for utilising computer algorithms to collect debts against hundreds of thousands of welfare recipients without proper assessment. The raised debts from the faulty system were called robodebts.  

If the system detected a difference between the data that Centrelink and ATO have, a letter advising of a potential debt will be sent out to provide further detail about your income. However, if you did not reply, Centrelink will only use the information about your income from the ATO and average it over multiple fortnights to determine the debt. The automated data-matching technique then sent out computer-generated Centrelink debt notices to welfare recipients who had been potentially overpaid. 

People criticised this process because the income averaging system used by the ATO was not reflective of their actual income each fortnight for the debt period. This is because for most Centrelink payments, the amount a welfare recipient is entitled to depends on the income they received in the last fortnight and not based on annual income. 

People were automatically contacted if Centrelink estimated they have a debt of more than $1,000. However, reports showed that one in five debt letters sent was based on false information. Before the OCI system was in place, the average number of interventions were 20,000 annually. However, with the introduction of the robodebt system, the number surged to 20,000 per week. 

But the problem didn’t stop there. Centrelink debts were raised for payments made up to seven years ago, increasing the pressure and difficulty for people to prove they have not received compensation that was entitled to them if they could not provide old payslips or bank statements. 

How did the Amato case impact the system? 

 Since 2016, there have been calls from critics and welfare recipients to halt the robodebt due to the high number of errors and miscalculations found within and by the system. A report from ABC news estimated that the government incorrectly took around $721 million from over 400,000 people since the robodebt system was implemented, with some people receiving multiple notices. 

 In November 2019, the Victoria Legal Aid brought a case on behalf of welfare beneficiary Deanna Amato to ask the Federal Court to check whether the government acted on a lawful basis in raising her Centrelink debt by substituting her fortnightly reported earnings with averaged ATO income data and adding a penalty fee when they did not receive a feedback from her regarding the matter. 

The Australian government conceded that the averaging process using ATO income data was not a lawful way to accurately calculate a debt. 

The Amato case was followed by a class action from Gordon Legal on behalf of the many thousands of people with unlawful robodebts. In November 2020, the law firm announced that the federal government agreed to a settlement worth $1.2 billion. The amount included the $721 million the government had already agreed to repay in wrongfully collected debts announced in May 2020. The settlement included $112 million in compensation and a decision to drop a further $398 million in debts wrongly raised.

Are you entitled to a refund from the robodebt? Here’s a guide on what you need to do. 

The aftermath

Following the Federal Court class action, the government announced that all unlawful robodebts would be cancelled. People who have already paid robodebts will be refunded with the amount that they paid between July and November 2020. 

In the political sphere, Malcom Turnbull, who was the prime minister when the scheme was rolled out, apologised for the system. Current Prime Minister Scott Morrison also apologised for any “dismay and distress” caused by the robodebt scheme. Despite this, Government Services Minister Stuart Robert noted that “the Commonwealth has not accepted or admitted any liability in the matter”.

The federal government also announced that it would stop the income averaging part of the scheme. The Labor Party and the Greens are seeking to have the matter investigated by a royal commission.

For the latest news, updates and information about the robodebt saga, follow our social media accounts and explore nestegg. 

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We’ve heard all the buzz, now it’s time to know what this controversial government scheme actually is. 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What exactly is robodebt? We’ve heard all the buzz, now it’s time to know what this controversial government scheme actually is. 

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The COVID-19 pandemic has seen insurer payouts fall by $500 million, but Australian consumers are continuing to pay more, the consumer watchdog has revealed.

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The Australian Competition and Consumer Commission (ACCC) found that government-imposed lockdowns, which limited non-urgent elective surgery and non-urgent extra treatments, saw the cost to insurers fall compared with 2019 costs. 

At the same time, average premium increases have continued to be higher than inflation and wage growth despite the fact that most insurers postponed their scheduled April 2020 premium increases for at least six months in response to the pandemic.

“The ACCC expects insurers to act on public commitments to return any profits gained from COVID-19 to policyholders, including through hardship measures such as premium waivers and discounts, and through the timely management of any built-up demand for non-urgent elective surgery,” ACCC deputy chair Delia Rickard said.

The report also noted that health insurance participation rates had continued to decline over the past year, as the proportion of the population holding “hospital only” or combined cover fell from 44.3 per cent in June 2019 to 43.6 per cent in June 2020.

“The overall decline in the proportion of people with hospital policies in 2019-20 was possibly due in part to the economic slowdown associated with COVID-19. However, some have asserted that the pandemic also reminded Australians of the quality of Medicare and the Australian hospital system, leading them to question the value of continuing to pay for private health insurance,” Ms Rickard said.

“While it is difficult to determine the exact reason why there was a lower proportion of people with hospital cover in the year ending June 2020, there is little uncertainty about the continued downward trend, particularly among younger age groups.”

The report from the ACCC follows data released by the Australian Prudential Regulation Authority (APRA) which showed that younger Australians are not signing up for new premiums due to the high costs associated with insurance. 

According to the latest APRA data, the number of people aged 20 to 29 with hospital cover and general health insurance has dropped by 8 per cent and 5 per cent, respectively, over the past three years.

Despite charging more for claims and paying out less, APRA has found profits for the sector fell over the year.

Industry net profit after tax of $0.9 billion and return on net assets of 3.2 per cent were significantly lower during the year ended September 2020.  

This was due to lower underwriting results from the catastrophic bushfire and storm events in late December/early 2020, and large falls in investment income mainly from the negative impact of the COVID-19 pandemic on investment markets in the March quarter.

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The COVID-19 pandemic has seen insurer payouts fall by $500 million, but Australian consumers are continuing to pay more, the consumer watchdog has revealed.

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Essential bills, savings accounts, Christmas gifts and exchange-traded funds appear to be the big winners from the latest round of tax cuts, new research has revealed.

Write comment (0 Comments) " ["fulltext"]=> string(2874) "

During the 2020 budget, Treasurer Josh Frydenberg announced that up to 11 million Australians will benefit from tax cuts, with more than 7 million individuals expected to receive $2,000 or more in tax relief for the 2020-21 income year, compared with previous years.

Survey results collated by Colonial First State found the majority of Aussies are intending to spend their extra cash towards essentials like bills, groceries and insurance. This was followed by shopping on discretionary items such as clothing, electronics and accessories, and a holiday.

With festive season round the corner, almost 10 per cent have also planned to use it for Christmas shopping such as décor, gifts and food.

The research also found that almost one in five Australians plans to use their tax cut to reduce their mortgage, particularly those aged between 35-54 years.

While 16 per cent will use the extra money as an opportunity to invest in the stock market, with Australian shares and exchange-traded funds being the big winners.

Surprisingly, only 11 per cent of Australians said they planned to use their tax saving to pay off high-interest debt such as credit card and ‘buy now, pay later’ accounts. 

Super ‘not so super’ as preferred spending priority

Despite using their superannuation during the COVID-19 pandemic, very few Australians intend to use the income tax cuts that were introduced in this year’s federal budget towards rebuilding their super or retirement savings.

Colonial First State general manager Kelly Power said the research showed that those who have needed to access super early as a way of surviving income loss, particularly younger Australians, are not making rebuilding their superannuation a priority.

“As we begin to emerge on the other side of the pandemic, it’s important to start thinking about the long-term impact your super withdrawal could have on the quality of your retirement. Seemingly small decisions now could have a big effect on the kind of retirement you’ve always dreamed of.

“Everyone’s circumstances are different, so whether you decide to spend it, use it to pay down debts, build up savings or make super contributions, it’s important Australians put the money towards what matters to them,” Ms Power concluded.

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"2" } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["type"]=> string(3) "url" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> string(1) "3" ["label"]=> string(17) "First article URL" ["description"]=> string(0) "" ["required"]=> string(1) "0" ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(16) "Related Articles" ["group_access"]=> string(1) "1" ["group_state"]=> string(1) "1" ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [8]=> object(stdClass)#5943 (32) { ["id"]=> string(1) "8" ["title"]=> string(18) "Second article URL" ["name"]=> string(18) "second-article-url" ["checked_out"]=> string(1) "0" ["checked_out_time"]=> string(19) "0000-00-00 00:00:00" ["note"]=> string(0) "" ["state"]=> string(1) "1" ["access"]=> string(1) "1" ["created_time"]=> string(19) "2020-07-08 05:42:04" ["created_user_id"]=> string(4) "2351" ["ordering"]=> string(1) "0" ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#5905 (3) { ["data":protected]=> object(stdClass)#5908 (1) { ["relative"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#5907 (3) { ["data":protected]=> object(stdClass)#5910 (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)#5944 (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)#5909 (3) { ["data":protected]=> object(stdClass)#5912 (1) { ["relative"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#5911 (3) { ["data":protected]=> object(stdClass)#5914 (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)#5945 (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)#5913 (3) { ["data":protected]=> object(stdClass)#5916 (2) { ["filter"]=> string(0) "" ["maxlength"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#5915 (3) { ["data":protected]=> object(stdClass)#5918 (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)#5946 (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)#5917 (3) { ["data":protected]=> object(stdClass)#5920 (2) { ["filter"]=> string(0) "" ["maxlength"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#5919 (3) { ["data":protected]=> object(stdClass)#5922 (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)#5947 (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)#5921 (3) { ["data":protected]=> object(stdClass)#5927 (1) { ["options"]=> object(stdClass)#5925 (2) { ["options0"]=> object(stdClass)#5924 (2) { ["name"]=> string(8) "Inactive" ["value"]=> string(1) "0" } ["options1"]=> object(stdClass)#5926 (2) { ["name"]=> string(6) "Active" ["value"]=> string(1) "1" } } } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#5923 (3) { ["data":protected]=> object(stdClass)#5929 (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)#5948 (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)#5928 (3) { ["data":protected]=> object(stdClass)#5931 (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)#5930 (3) { ["data":protected]=> object(stdClass)#5933 (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)#5949 (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)#5932 (3) { ["data":protected]=> object(stdClass)#5935 (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)#5934 (3) { ["data":protected]=> object(stdClass)#5937 (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(81) "/save-money/tax-saving/how-are-australians-planning-on-spending-their-tax-savings" ["image"]=> string(47) "images/article-826x550/christmas-rubbish-ne.jpg" ["image_alt"]=> string(59) "How are Australians planning on spending their tax savings?" } }