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The government has warned online shoppers to be alert to scams this holiday season.

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As the end of the year approaches and the biggest shopping season of the year kicks off, Australians have been warned to be aware of potential scams while shopping online.

“We all love browsing online for a bargain, and it’s a convenient way for many of us to do our Christmas shopping at this time of year, but if you are not alert, you could get taken in by fraudulent deals,” said Assistant Defence Minister Andrew Hastie.

More than 11,000 reports of online shopping cybercrime were made to the Australian Cyber Security Centre (ACSC) in the last financial year, making up around 17 per cent of the total reports to the centre’s ReportCyber service.

Individuals aged between 25 and 45 accounted for almost half of all online shopping fraud victims, drawing attention to the need for all Australians to be wary about where they purchase from.

“Watch out for cybercriminals who use tricks like selling products that don’t exist, impersonating well-known brands but offering spectacular sales, or asking for personal and payment information they don’t need,” said Mr Hastie.

Australians are expected to spend $58.8 billion on shopping in the pre-Christmas period, with a greater proportion of shoppers heading online, according to research from the Australian Retailers Association and Roy Morgan.

“The COVID five-year digital acceleration means many more Australians are shopping online, so this Christmas, we will see much more of a mix between in-store and online shopping,” said Roy Morgan CEO Michele Levine.

When shopping for bargains online, the old adage “if it seems too good to be true, it probably is” still applies according to the ACSC and is echoed by other experts in online security.

“The ACSC recommends only buying from trusted sellers, always using secure payment methods, such as PayPal or credit card at checkout, and never clicking on a link in an email or SMS to verify an order,” Mr Hastie said.

Scammers have ramped up their activity to record levels in 2021, with over $211 million lost to scams as of mid-September, according to the Australian Competition and Consumer Commission and Scamwatch.

Middle-aged Australians have been found to be particularly vulnerable to investment scams, while younger Australians are being targeted by scams related to employment.

Individuals who have fallen victim to a scam are encouraged to make a report through ReportCyber and contact their bank or financial institution immediately.

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The government has warned online shoppers to be alert to scams this holiday season.

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Aussies aren’t keeping pace with those seeking to scam them. 

Write comment (0 Comments) " ["fulltext"]=> string(4008) "

More and more Aussies are more aware of the risks that new technology invites, but many still struggle to grapple with the realities of balancing that danger.

Unisys’ latest Security Index found that while 60 per cent of Australians saw themselves as responsible for keeping their data secure, many were unable to spot potential threats to their personal information.

Fifty-five per cent were unaware that scammers might use SMS messages to trick them into handing over personal or financial information, with 39 per cent unaware of the risks that could come with clicking on a link in a text message, email or social app.

Sim jacking proved to be another major blindspot for Aussies, with 79 per cent unaware of the threat.

What’s more, even if they were scammed, a sizable 73 per cent were unsure of where they should report that incident.

Perhaps most troubling, 48 per cent said that they were not as careful on their phone as they are on their laptop when it comes to sharing their personal and financial information.

According to Unisys industry director of cybersecurity Gergana Winzer, the digital threatscape is quickly adapting to the realities of the post-pandemic.

“With the need to be able to prove vaccination status to access many services and venues, and the proposed introduction of a vaccine passport to travel overseas, scammers are already tailoring very sophisticated attacks that mimic government agencies and other organisations we trust,” she said.

Ms Winzer said that many of these scammers try to trick consumers into clicking on a link or downloading an app, which can then launch malicious code or hijack personal details for nefarious ends.

“There’s a lot of focus on public and employee education campaigns to raise awareness of scams in order to avoid them. But education is only part of the solution – it must be repeated and continually updated to ensure people are aware of new, sophisticated threats,” she said.

While 43 per cent admitted that they had downloaded software, apps or programs onto their work machine without the approval of their organisation’s IT department, Ms Winzer encouraged businesses to look at this figure as an opportunity.

“Security and employee experience are fundamentally integrated: employees who download unauthorised software risk creating unsecured links to devices and systems,” she said.

Ms Winzer encouraged organisations to take a closer look at what unauthorised apps are installed and ask why. She recommended organisations measure the adoption of approved tools to work out how to negate the temptation or need for individuals to install unauthorised software.

“Is it really a gap in tools required to perform a job? Or is it because employees aren’t aware of the functionality already available, or are they simply reluctant to change from what they are familiar with?”

Ms Winzer conceded that humans will still make bad decisions but argued that businesses should take that into account when planning around cyber risk.

“Organisations also need a holistic approach to security that also includes processes, policies and technologies to make it extra hard for people to do the wrong thing.” 

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Aussies aren’t keeping pace with those seeking to scam them. 

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As the economy recovers, Australia’s tax regulator says it’s planning to put unregistered practitioners under the microscope.

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The stats suggest that the tax tribulations of the pandemic drove more businesses and consumers to rely on Australia’s Tax Practitioners Board (TPB).

According to the latest report by the regulator, the challenges of the last 12 months only brought tax practitioners and taxpayers closer together.

“As Australia and the world continued to grapple with the ongoing implications of the coronavirus pandemic, we also continued to ensure that tax practitioners were enabled to provide quality and ethical taxation services while maintaining the high levels of trust placed in them by their clients, the Australian public,” TPB chair Ian Klug said.

Over the past 12 months, the TPB said that it reviewed 170 cases of potential misconduct. Seventy-five of these investigations resulted in the termination of a practitioner’s registration.

He noted that annual TPB register searches exceeded 2 million for the first time in the 2020–2021 financial year.

In addition to these queries, TPB staff answered around 20,000 emails and letters and approximately 29,000 telephone enquiries.

Mr Klug suggested the growth in the usage of the TPB as a resource mirrors the increase in consumer and business awareness of the organisation.

He noted that 80 per cent of business owners are not aware of the tax regulator, up on 67.7 per cent in December 2020.

Consumer awareness of the TPB has also risen in recent months from 38.5 per cent in December 2020 up to 57.7 per cent in July 2021.

Looking forward, Mr Klug called the federal government’s recent response to the independent review into the effectiveness of the TPB and the Tax Agent Services Act 2009 a “positive step forward for the future”.

“In line with the review recommendations, we are working to finalise our memorandum of understanding with the ATO and formalise our data‑sharing arrangements with various agencies and stakeholders,” he said.

Mr Klug also indicated that the TPB would be looking to focus more on unregistered preparers in the coming year.

“We continue to invest in and improve on our data analytics capabilities to drive our compliance work, investigating those practitioners who choose to do the wrong thing, while supporting the majority that continue to uphold the high expectations of the profession and the integrity of our tax system,” he said.

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As the economy recovers, Australia’s tax regulator says it’s planning to put unregistered practitioners under the microscope.

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"the-more-time-i-spend-looking-at-my-money-the-further-i-feel-from-financial-freedom" ["introtext"]=> string(423) "

The past 18 months of lockdowns gave me the opportunity to spend more time thinking about my financial future, but it didn’t give me all that much hope.

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Every year, my dad asks me if I’ve read the copy of The Barefoot Investor he got me as a gift when I was younger.

Every year, without fail, I dodge the question. This year will be no different. Well, maybe a little different. Like many young Australians, the last 18 months of lockdowns made it a little easier to rein in my spending and pay more attention to where my money was going.

After spending a little too much money on quarantine distractions during 2020, I was determined to make the most of Sydney’s most-recent winter in lockdown. One of the many privileges of working in the media industry has been a relatively smooth transition towards remote work during Sydney’s various stages of lockdown, so why not make the most of it?

The opportunity to get my finances in order, work down outstanding BNPL debt and replenish the bite that my last overseas holiday took out of my savings has been a rare silver lining on an otherwise dark cloud. I even had the opportunity to experiment with cryptocurrencies. I still don’t know if I recommend it.

But the last few months of being in control of my finances haven’t given me much hope for the future. If anything, they’ve made the advantages and disadvantages faced by my generation starker than ever.

With little to do, and even less to spend money on, I could not have asked for better circumstances to supercharge my monthly savings. Where I’d typically save around 10 per cent of my monthly income, Sydney’s latest lockdown sometimes saw me save as much as triple that.

And yet, when I look at my long-term financial goals, it still feels like the odds are stacked against me. Even saving triple what I ordinarily would each month, I don’t feel any closer to major financial milestones like a deposit on a house.

This is probably because I’m not.

Over the past 18 months, I’ve saved a lot more money than usual — but my savings haven’t grown by nearly as much as Sydney’s median house prices have.

Even in the ideal savings-friendly circumstances of lockdown and even if I was to consider getting the federal government’s permission to pillaging my own superannuation fund (which I’m not),  saving up the 20 or so per cent of $1.3 million that I’d need for a house deposit would require me to live this way for another 13.5 years.

It will take approximately half of my current age to save for a deposit so that I may begin the process of buying a house and paying off a mortgage over another few decades. And that’s assuming house prices don’t continue to rise, of course, which they probably will because that’s been the trend for the last 25 years.

Now, I know what you’re thinking. You’re just not looking in the right places. You just need to adjust your expectations. Have you considered rentvesting in the regional suburbs? I’ve heard it all before, and I don’t want to spend too much time rephrasing the same old song and dance.

These lines of argument assert that every property purchase should conform to the logic and language of asset investment, ignoring the fact that this is often not the case. For many first home buyers, a house is something you buy because you want somewhere to live.

Regional homes may in fact be more affordable for first home buyers. However, moving to the regions is not a workable solution for many because we have built our society around urbanised metropolitan infrastructure.

Isolating yourself from friends, family and your local community by moving to a rural or regional area with significantly less job opportunities for the decades-long commitment of paying off a mortgage is not a particularly appealing pathway to property ownership for many young people for obvious reasons. Rentvesting seems to work for some people, but it can easily go awry and isn’t a good fit for many more.

In my opinion, rhetoric suggesting that these younger generations ought to get over themselves and put in the hard yards to earn their spot on the property ladder is as fundamentally dishonest and hollow as any other meritocracy.

Previous generations did not have to make these kinds of trade-offs, and younger generations are being asked to because they were born a few decades too late or to the wrong social economic class.

If we’re being honest, the only thing that’s ever made my ability to budget and save money easier has been leaving a job that did not pay me enough for one that paid me more. It’s that simple. There’s no magical or radical shortcuts that have helped me find any sense of financial stability.

When I was paid less, money was a thing I got stressed about. When I got paid more, that stopped because I had more money. The literal reality couldn’t be simpler.

I understand that this may not be particularly useful advice to some, but I can at least say it’s more honest than the myths we make about young people and home ownership. 

As a young person, the one thing I should be able to count on is time. I’ve got plenty of years left in the workforce. Plenty of years to get smarter about my investments and a healthy amount of compound interest to tilt the odds in my favour.

Unfortunately, my disillusionment about these so-called immutable forces of wealth creation could not be higher than it is right now.

Lockdown gave me the chance to get better and smarter about how I manage my money, but the more I spend looking at my bank account, the less I like what I see.

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The past 18 months of lockdowns gave me the opportunity to spend more time thinking about my financial future, but it didn’t give me all that much hope.

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Australians looking to work towards financial freedom are embracing a new approach.

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Younger generations are putting their own spin on the traditional wealth-creation journey through a new push towards financial wellness.

Wisr chief strategy officer Dr Lili Sussman told nestegg that financial wellness is a multifaceted and complex issue, one that’s both subjective and objective. 

“It’s about the role of money in your life and the relationship with yourself,” she said.

Dr Sussman said that financial wellness isn’t about purely how much money you earn, nor is it about how much you can save through tips and tricks. According to her, financial wellness eschews the simplicity of easy fixes and turns the complexity of financial literacy into a strength rather than a burden.

“Financial wellness has to do with being able to meet your current financial needs, setting yourself up for the future, having control over your money decisions and understanding how money helps you to live your values,” she explained.

Importantly, where financial wellness differs from the typical journey towards financial freedom is that it embraces a more nuanced perspective. That means acknowledging that not every individual sees financial wellness the same way and that not everyone is working towards the same goals.

This flexibility is part of its appeal to younger demographics, as it asks them how they can find financial wellness within their lifestyle rather than asking them to start living a different one.

“We all have different financial goals and values — not to mention hobbies, expenses and living situations — which means there’s no one right way to financial wellness,” Dr Sussman said.

However, in order to change, you have to know where to start.

“When you’re financially stressed, the last thing you need is to be told ‘stop spending and start meal prepping, you’ll be fine’,” Dr Sussman said.

According to her, achieving financial wellness isn’t something limited by age, gender or earning capacity. Ultimately, it comes down to financial literacy.

“With knowledge comes power and, in turn, helps you to understand your relationship and behaviour with money. It’s a key foundation of improving your financial  wellness,” she said.

Beyond just being willing to re-evaluate and rethink the way you think about money, Dr Sussman said that a willingness to commit to better financial behaviours over the long run can be critical.

“Like our physical health, everyone has the right to be financially well and can get there by building good habits,” she said.

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Australians looking to work towards financial freedom are embracing a new approach.

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Old and young Australians are facing different threats from scammers, but both need to remain vigilant.

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Scammer activity isn’t just rising in 2021, it’s thriving on the chaos of the pandemic.

Commenting on recent findings by the Australian Competition and Consumer Commission (ACCC), Proofpoint ANZ area vice-president Crispin Kerr said September represented more than just a record month for the costs of scammer activity.

“September revealed several concerning trends, with significant losses to investment scams for middle-aged Australians,” he said.

Recent figures released by the ACCC and Scamwatch found the last nine months of scammer activity had already eclipsed the losses seen across the entirety of 2020 with a running total of over $211 million.

Mr Kerr said that the rise of classified and employment scams targeting young people left in the lurch by recent lockdowns were a growing concern, but noted that investment scams remain the biggest source of money loss throughout 2021.

“Compared to September last year where losses to these scams amounted to $6 million, the most recent figures paint a stark picture of the current reality,” he said.

Mr Kerr said that the latest figures released by the ACCC and Scamwatch revealed that it is middle-aged Australians who are suffering from these scams the most. 

Those in the 45 to 54 age group made up 40 per cent of the $18 million toll exacted by investment scams in 2021 to date.

“Investment scams can be particularly alluring, as they promise money or some form of financial compensation,” he noted.

Pointing to an overlap between the states most heavily affected by the pandemic and those hit hardest by investment scams, Mr Kerr recommended Aussies exercise caution and common sense to ensure their financial safety going forward.

While investment scammers are seeking out older Australians, Mr Kerr said that young people are being targeted by new employment scams.

“Scammers have also been taking advantage of the current job market by offering fake job and employment opportunities, commonly delivered via mobile apps and text messages,” he said.

Noting that the current climate can make this type of scams particularly appealing and effective, Mr Kerr urged younger Aussies to remain vigilant.

“These scams usually come out of the blue and sound too good to be true, which are two of the biggest red flags that something isn’t quite right,” he said.

Mr Kerr’s words of warning come as other bodies in Australia’s financial sector have issued their own, as the price and proliferation of scams have continued to rise.

“Scams succeed because they look like the real thing and catch you off guard when you are not expecting it,” Australian Banking Association CEO Anna Bligh said.

According to data released by the ABA, 66 per cent of Australians are targeted by a scam each week. Twenty-nine per cent were said to have fended off a scam attempt each day.

“Scammers don’t target one group over another; they target all people of all backgrounds, ages and income levels across Australia,” Ms Bligh noted.

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Old and young Australians are facing different threats from scammers, but both need to remain vigilant.

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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)#7016 (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)#6557 (3) { ["data":protected]=> object(stdClass)#6560 (1) { ["relative"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#6559 (3) { ["data":protected]=> object(stdClass)#6562 (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)#7015 (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)#6561 (3) { ["data":protected]=> object(stdClass)#6564 (1) { ["relative"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#6563 (3) { ["data":protected]=> object(stdClass)#6566 (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)#7012 (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)#6565 (3) { ["data":protected]=> object(stdClass)#6568 (2) { ["filter"]=> string(0) "" ["maxlength"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#6567 (3) { ["data":protected]=> object(stdClass)#6570 (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)#7013 (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)#6569 (3) { ["data":protected]=> object(stdClass)#6572 (2) { ["filter"]=> string(0) "" ["maxlength"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#6571 (3) { ["data":protected]=> object(stdClass)#6574 (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)#7008 (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)#6573 (3) { ["data":protected]=> object(stdClass)#6579 (1) { ["options"]=> object(stdClass)#6577 (2) { ["options0"]=> object(stdClass)#6576 (2) { ["name"]=> string(8) "Inactive" ["value"]=> string(1) "0" } ["options1"]=> object(stdClass)#6578 (2) { ["name"]=> string(6) "Active" ["value"]=> string(1) "1" } } } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#6575 (3) { ["data":protected]=> object(stdClass)#6581 (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)#7011 (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)#6580 (3) { ["data":protected]=> object(stdClass)#6583 (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)#6582 (3) { ["data":protected]=> object(stdClass)#6585 (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)#7021 (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)#6584 (3) { ["data":protected]=> object(stdClass)#6587 (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)#6586 (3) { ["data":protected]=> object(stdClass)#6589 (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(80) "/save-money/scams/experts-warn-of-employment-and-investment-scams-lockdowns-ease" ["image"]=> string(46) "images/article-826x550/scam-cyber-theft-ne.jpg" ["image_alt"]=> string(31) "employment and investment scams" } }