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But not everyone is eligible for the new rate, which is far beyond anything else on offer from an Australian bank. Are you?

Write comment (0 Comments) " ["fulltext"]=> string(3553) "

Westpac has revealed that from today, young Australians will be able to access new bonus savings rates on their Westpac Life account of up to 3 per cent per annum where they are growing their savings.

The rate will remain up to 2.4 per cent per annum where the account is not grown month-to-month.

According to the fine print, the savings rate offer is available to both new and existing Westpac Life and Choice customers aged between 19 and 29 years old on balances up to $30,000.

Customers must also make five eligible purchases with a debit card that is linked to their Westpac Choice account each month.

According to Westpac’s head of savings and investments, Kathryn Carpenter, the bank has recognised the “unique financial challenges this generation is facing and the flow-on impact this can have to future wealth building, like buying a home”.

“Building savings can already be challenging for young adults who are only just starting their financial journey, particularly in an environment like this where many are also now navigating changes to their income or employment,” she commented.

The announcement from Westpac about the improved savings rates comes despite the RBA’s maintenance of the official Australian cash rate at record lows.

Westpac’s own research has recently found that despite such low rates, the pandemic “has made younger Australians sharpen their focus on saving for the future”.

Nearly half (49 per cent) of 18 to 29-year-olds surveyed by Westpac revealed they are now planning to save more than they did prior to the pandemic, while a whopping 85 per cent have chosen to either cut back on spending or hold off on large purchases to protect their cash savings.

This is in spite of the same research finding that Australians under the age of 30 are three times more likely to have lost their job, and nearly twice as likely to have taken a pay cut or be working less hours compared with older groups.

Ms Carpenter acknowledged that despite being a difficult time, “it’s encouraging to see Australians are embracing this as an opportunity to get on top of their finances and make some positive changes”.

“Most of us have spent more time than ever before at home over the past few months. It’s clear this has been a turning point for many younger Australians, who are thinking more about owning a space of their own in the future and prioritising saving for a deposit,” she commented.

Westpac also revealed that the pandemic has improved the motivation of young people to purchase property, with two-thirds of the 18 to 29-year-old respondents considering that they are now more motivated to save for their first home.  

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• How to save money without (too much) sacrifice 
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• Bank balances reveal Aussies are prepping for life post-COVID 

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But not everyone is eligible for the new rate, which is far beyond anything else on offer from an Australian bank. Are you?

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Australia may be firmly planted within a recession, but with the advent of a new financial year, there’s still plenty to be gained from a “new year, new me” approach when it comes to money.

Write comment (0 Comments) " ["fulltext"]=> string(3440) "

MyState Bank has revealed a number of ways Australians can get ahead in the 2020-21 financial year, despite the recent hiccups from COVID-19.

Here are five of the bank’s top tips:

1. Pay down any high-interest-accruing outstanding debt

Whether it’s an outstanding credit card balance or a personal loan debt, MyState Bank has outlined how it’s “crucial” to create some breathing room in your monthly budget.

Not having huge debts can also provide you with some peace of mind if you are worried about the current job market.

2. Reprioritise your savings goals

Especially given international travel is off the table, the new financial year could be the perfect time for you to re-examine your spending priorities.

Maybe that money that was penned in for travel could now go towards a longer-term goal? Or help you to boost your emergency savings fund?

3. Swap out a gym buddy for a ‘financial’ buddy

According to MyState Bank, more than four in 10 Australians are cutting back on gym memberships and associated costs after isolation prevented them from actually going to the gym for several months.

It suggested that Australians could refocus their exercise energy into the conquering of financial goals.

You can start this process by having a frank conversation with a close and trusted friend who will motivate you and keep you on track while you work towards hitting your financial benchmark.

Of course, you can do the same for your friends, too!

4. Keep the good financial habits of COVID-19

MyState Bank general manager of customer experience, Heather McGovern, said, “For many Australians, the introduction of social distancing measures has been an opportunity to save more than ever before on expenses from public transport to dining out at restaurants.”

With research indicating Australians are likely to prolong their savvier spending habits seen throughout COVID-19 long after the pandemic ends, MyState Bank is encouraging of such attitudes.

It touted the benefits of having more dinners at home and spending time outside as opposed to at the gym or shops.

5. Live within your means

MyState Bank reminded everyone that Australia is in a recession.

Do a financial audit to separate your wants from your needs – this should help you to work out where you can or should cut back on spending.

Don’t leave out any expenses from such a review as there are often real savings to be made that will have little to no impact on your everyday life.

---

Did you enjoy this article? You may also be interested in:

• How to safeguard your finances through the pandemic 
• Here’s how Gen Z is changing the finance game 
• 9 tips to stop the credit card cripple

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Australia may be firmly planted within a recession, but with the advent of a new financial year, there’s still plenty to be gained from a “new year, new me” approach when it comes to money.

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More than a third of Australians have declared they will use cash less often or not at all after the pandemic, according to new research.

Write comment (0 Comments) " ["fulltext"]=> string(3015) "

Analysis of a new survey from BankWest has suggested that the advent of coronavirus “could accelerate the decline in use of physical money”.

It also revealed that Australians were already altering their attitude to cash pre-2020, with a majority of respondents already preferring digital payment methods before the need for better sanitary behaviours.

This was driven more by ease of use (40 per cent) than it was to avoid handling money (13 per cent).

Since the declaration of the pandemic, the preference for digital has become even stronger, with more than a third (37 per cent) intending to either use physical money less or not at all.

ATMs also appear to be losing popularity, with 41 per cent indicating they would now use ATMs less, if at all.

The preferences picked up by the survey are backed by Bankwest customer data, with the bank highlighting that overall cash withdrawals saw a rapid decline from the end of March to the end of April – activity levels were around 35 per cent lower than they had been pre-COVID-19.

According to Bankwest’s chief customer officer, Paul Vivian, the responses merely “reinforce trends we’ve seen for more than a decade”.

He flagged how it will be interesting to see how behaviours do change after COVID-19.

“The decline in cash use could potentially accelerate because of this pandemic, not just due to consumers’ preferences, but as merchants continue to make it easier to pay without cash,” Mr Vivian commented.

But he argued that while a growing number of people are displaying an adverseness to cash use, “it’s hard to see physical money disappearing from Australia anytime soon”.

“Cash might become a niche payment method – if it isn’t already – but it remains popular with many people, and a common option for low-value transactions.”

One thing physical notes and coins do have going for them? There’s no need to rely on the internet or power.

Because of that, Mr Vivian touted it as “incredibly stable and an important system for those members of society who are less tech-savvy or more vulnerable”.

“So, while cash’s heyday is certainly a thing of the past and COVID-19 has rapidly moved us further from those times, many people will likely carry it in their wallets for some time yet.” 

---

 Did you enjoy this article? You may also be interested in: 

• Could COVID-19 be the death of cash?
• Why cash flow is king during COVID-19
• Use cash handouts before touching super, industry body warns 

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More than a third of Australians have declared they will use cash less often or not at all after the pandemic, according to new research.

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["label"]=> string(14) "Embedded Video" ["description"]=> string(0) "" ["required"]=> string(1) "0" ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(22) "Summary points + video" ["group_access"]=> string(1) "1" ["group_state"]=> string(1) "1" ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } } ["link"]=> string(72) "/save-money/expenses/will-cash-go-the-way-of-the-dinosaurs-post-covid-19" ["image"]=> string(40) "images/article-826x550/cash-tight-ne.jpg" ["image_alt"]=> string(4) "cash" } [3]=> object(stdClass)#4135 (56) { ["id"]=> string(5) "15386" ["title"]=> string(36) "When will I get my robo-debt refund?" ["alias"]=> string(34) "when-will-i-get-my-robodebt-refund" ["introtext"]=> string(403) "

With the government’s recent concession that it would be refunding $721 million from robo-debt notices, many Australians are wondering when they can expect the money to be returned to their hip pocket.

Write comment (0 Comments) " ["fulltext"]=> string(2809) "

According to a statement from Services Australia, it’s “soon”.

The government department has revealed that it will be writing to anyone eligible for a refund from mid-July, where those people made repayments on income compliance debts where the debt was raised using averaging of Australian Taxation Office income information.

In cases where no money has been paid towards an eligible debt, Services Australia has indicated that debt would be reduced to zero.

A small number of refunds will be rolled out from early July to test out the refund system.

Refunds will then be made from late-July, and Services Australia outlined that it expects most refunds to be paid by the end of November 2020.

Refunds will include repayments of any recovery fees and interest charges that were applied to the debt, while larger refunds will be paid out in installments, according to Services Australia.

What is the process for refunds?

Services Australia said there will be two separate processes for refunds, depending on whether or not you currently receive payments from the government.

If you do currently receive payments, you do not need to get your refund.

If you do not currently receive a Services Australia payment, you’ll need to update your details from late July using your Centrelink online account through myGov.

The government first indicated that it would be refunding all repayments made on debts that were raised wholly or partially using income leveraging of ATO data in late May. 

This was followed by Prime Minister Scott Morrison offering his “deep regret” to individuals who were affected by the scheme. 

In June, he said, “I would deeply regret any hardship that has been caused to people in the conduct of that activity.”

“The business of raising and recovering debts on behalf of taxpayers is a difficult job,” he commented.

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• ‘Reporting error’ sees $60bn slashed from JobKeeper 

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With the government’s recent concession that it would be refunding $721 million from robo-debt notices, many Australians are wondering when they can expect the money to be returned to their hip pocket.

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Generation Zers – those born between 1995 and 2012 – are leading the way when it comes to money responsibility and a more flexible view of finance, according to new research.

Write comment (0 Comments) " ["fulltext"]=> string(2717) "

Afterpay has released the Global Gen Z Report: Financial Feels, which has revealed a generation that’s both cautious about their spending habits and reluctant to commit when it comes to credit.

The findings highlighted a generation that rejects overt displays of wealth or wealth hoarding.

“Instead, they are focused on being financially in control,” it reported.

One of the key takeaways from the report: “For Gen Z, finance is no longer regarded as a constraint that needs to be overcome, but as a lifestyle enabler that needs to be attended to in a proactive manner.”

These characteristics are due, in part, to the generation being raised in the aftermath of the 2008 global financial crisis.

It’s a stance that has now been firmly cemented in this generation due to the impacts of COVID-19.

Afterpay co-founder Nick Molnar said Generation Zers are “a generation who has a firm grasp of the role finance plays in their lives”.

“Gen Z Aussies are emerging as a self-motivated generation that pay, play and save differently from the Millennials that came before them,” he continued.  

According to AfterPay’s report, 94 per cent of its Gen Z customers use their own money when making purchases using the payment method.

They are far less likely to have credit cards or long-term credit options, preferring to monitor their money in real time.

It also revealed an emphasis on “financial wellness” in the age group, having embraced apps and services that lead them to feel confident and calm in their spending choices.

This attitude has filtered through to their use of stop-anytime subscriptions.

The report found that Gen Z individuals “like to maximise flexibility within their lifestyles”.

“The ability to turn on and off commitments in their life is paramount and leads to a generation who prefer to lease, rent and share so they have the financial freedom to spend their money on what’s most important to them without being tied down,” it stated.

---

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• Australian youths bear brunt of COVID-19 cuts 
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Generation Zers – those born between 1995 and 2012 – are leading the way when it comes to money responsibility and a more flexible view of finance, according to new research.

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The corporate regulator has delivered a new caution to consumers as reports of misconduct rise 20 per cent.

Write comment (1 Comment) " ["fulltext"]=> string(2274) "

In a statement, the Australian Securities and Investments Commission’s (ASIC) executive director for assessment and intelligence, Warren Day, revealed that the current economic uncertainty – thanks to COVID-19 – has created “a perfect storm”.

“Australians are at risk of being scammed and losing money, and scammers are using age-old tactics in new and sophisticated ways to target people.”

He said ASIC had recently seen “a spike in reports of scams related to fake crypto assets (or crypto currencies), term deposits, investments and scams that start via romance sites”.

Scam reports were up 20 per cent across March, April and May in 2020, compared with data from the same months in 2019.  

ASIC is particularly concerned about the risk to consumers and investors losing money when buying into fake crypto assets.

According to Mr Day, “Most crypto asset investment opportunities reported to ASIC appear to be outright scams and there is no actual underlying investment.”

Scammers can be difficult to catch, and lost money can be tricky to recover, especially where fraudulent operators are based outside of Australia, ASIC said.

While scams “can take many forms”, the corporate regulator said many financial and investment scams do possess similar traits.

Scammers will often:

• present a range of investment offers – from modest returns to high returns – that sound safer than they are
• make persistent requests to continue investing despite no evidence of actual returns on initial investments
• display fake endorsements from celebrities or government agencies, including ASIC
• request money to be paid to a person or company into multiple or constantly changing bank accounts
• lure someone via a romance site and direct them to send money or invest in crypto assets or forex trading.

ASIC has advised anyone who thinks that they might have been scammed, or that they know someone who has been scammed, to lodge a report of misconduct with ASIC – noting that reports from the public are highly valued.

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The corporate regulator has delivered a new caution to consumers as reports of misconduct rise 20 per cent.

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["description"]=> string(0) "" ["required"]=> string(1) "0" ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(16) "Related Articles" ["group_access"]=> string(1) "1" ["group_state"]=> string(1) "1" ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [9]=> object(stdClass)#4767 (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)#4532 (3) { ["data":protected]=> object(stdClass)#4535 (1) { ["relative"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#4534 (3) { ["data":protected]=> object(stdClass)#4537 (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)#4764 (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)#4536 (3) { ["data":protected]=> object(stdClass)#4539 (2) { ["filter"]=> string(0) "" ["maxlength"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#4538 (3) { ["data":protected]=> object(stdClass)#4541 (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)#4765 (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)#4540 (3) { ["data":protected]=> object(stdClass)#4543 (2) { ["filter"]=> string(0) "" ["maxlength"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#4542 (3) { ["data":protected]=> object(stdClass)#4545 (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)#4760 (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)#4544 (3) { ["data":protected]=> object(stdClass)#4550 (1) { ["options"]=> object(stdClass)#4548 (2) { ["options0"]=> object(stdClass)#4547 (2) { ["name"]=> string(8) "Inactive" ["value"]=> string(1) "0" } ["options1"]=> object(stdClass)#4549 (2) { ["name"]=> string(6) "Active" ["value"]=> string(1) "1" } } } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#4546 (3) { ["data":protected]=> object(stdClass)#4552 (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)#4763 (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)#4551 (3) { ["data":protected]=> object(stdClass)#4554 (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)#4553 (3) { ["data":protected]=> object(stdClass)#4556 (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)#4773 (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)#4555 (3) { ["data":protected]=> object(stdClass)#4558 (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)#4557 (3) { ["data":protected]=> object(stdClass)#4560 (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(75) "/save-money/scams/a-perfect-storm-asic-delivers-new-investment-scam-warning" ["image"]=> string(50) "images/article-826x550/lightning-storm-city-ne.jpg" ["image_alt"]=> string(23) "investment scam warning" } }