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Indigenous consumers lost more than $1 million to investment scams in 2019, ASIC has revealed.

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It’s National Scams Awareness Week this week, and ASIC and members of the National Indigenous Consumer Strategy are reminding Indigenous consumers that “anyone can get caught out by a scam”.

The consumer watchdog’s ScamWatch received 2,767 scam reports from Indigenous consumers last year alone at a cost of more than $2 million, with the greatest losses reportedly coming from investment scams, compromising more than half of the total money lost.

The warning has led ASIC and other agencies within the National Indigenous Consumer Strategy to recommend three tips for Indigenous consumers:

1. Be careful of sharing information either over the phone or online

If someone asks for personal details on the phone, hang up. Call them back using details from the official website of the organisation that contacted you first.

2. Ask for more information

If consumers are contacted by someone offering an investment and ways to make easy money, you should ask for more information about the company and do your own research to work out whether the company is legitimate.

3. Take time to think things through

ASIC also advises taking the time to think an offer through. Don’t ever feel pressured into sharing personal information or investing your money.

If you think you may have been scammed, you can lodge a report of misconduct with ASIC or report your concern to the ACCC’s ScamWatch.

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Indigenous consumers lost more than $1 million to investment scams in 2019, ASIC has revealed.

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Extra precautions should be taken in the fight against cyber crime, as the corporate regulator revealed a number of issues associated with access to superannuation coming to light during the current pandemic.

Write comment (0 Comments) " ["fulltext"]=> string(1586) "

The warning, from the Association of Super Funds of Australia (ASFA), follows a revelation from the Australian Securities and Investments Commission (ASIC) that fraud has been linked to the Federal Government’s early release of superannuation scheme.

Weighing in on the issue, ASFA CEO Dr Martin Fahy said “ASIC has outlined the rising threat and identified the growing cases of cybercrime, fraud and identity theft specifically targeting super funds and their members in relation to the COVID-19 early release super scheme.”

He said it’s critical that Australians protect their superannuation account details and has recommended regularly checking the account balance, “just as you would with an everyday bank account”.

“It’s the best way to be alert to suspicious activity,” Dr Fahy stated.

ASFA also warned individuals about other issues recently raised by ASIC – there are reportedly still breaches of the law by real estate agents encouraging tenants to access early release of super to meet rental payments.

Elsewhere, it’s alleged that credit providers are advising borrowers to access the retirement savings early so as to meet loan repayments.

Dr Fahy is encouraging authorities “to prosecute these breaches to the full extent of the law and send a message to those preying on vulnerable members of the community”.

Here are five ways to protect yourself against online scammers. 

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Extra precautions should be taken in the fight against cyber crime, as the corporate regulator revealed a number of issues associated with access to superannuation coming to light during the current pandemic.

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The consumer watchdog has warned that impersonation scams are on the rise, with more than $1.26 million having been lost by Australians from more than 7,100 instances of fraudulent behaviour.

Write comment (0 Comments) " ["fulltext"]=> string(3791) "

The Australian Competition and Consumer Commission (ACCC) is urging Australians to watch out for government impersonation scams.

There’s been an increase in scams reported during tax time, it revealed, with a number of text messages claiming to be from myGov or from agencies that claim to help victims gain early access to their superannuation.

According to ACCC deputy chair Delia Rickard, “Scammers are increasingly taking advantage of the financial difficulties and uncertainty generated from the COVID-19 pandemic to trick unsuspecting Australians.”

Ms Rickard said there are two main types of scams being used: fake government threats and phishing scams.

“Both of these scams can be quite convincing and can lead to significant financial losses or even identity theft,” she warned.

Fake government threats

Fake government threat scams see victims receive a robocall pretending to be from a government department, such as the ATO or Department of Home Affairs.

Scammers will claim something illegal has been committed in the victim’s name – like tax fraud or money laundering – and they should dial 1 to speak to an operator.

The scammer will then try to scare victims into handing over money, and may threaten arrest for any refusal, but Ms Rickard has advised, “Don’t be pressured by a threatening caller.”

“Take your time to consider who you might be dealing with,” she continued.

“Government departments will never threaten you with immediate arrest or ask for payment by unusual methods such as gift cards, iTunes vouchers or bank transfers.”

Phishing scams

In a phishing scam, a victim will receive an email or text message that claims to be from a government department, such as Services Australia, that contains an external link.

Usually, such scams include a request of personal details to confirm eligibility for a government payment or because the person may have been exposed to COVID-19.

Phishing scams will request personal details – from a tax file number to your superannuation details, or even your identity documents.

Ms Rickard has recommended not clicking on any hyperlinks in texts or emails that appear to reach a government website.

“Always type the address into the browser yourself,” the deputy chair has advised.

“Do not respond to texts or emails as the scammer will escalate their attempts to get your money.”

“If you’re not sure whether a call is legitimate, hang up and call the relevant organisation directly by finding the details though an independent search,” Ms Rickard said.

The new warning comes just days after the Australian Cyber Security Centre issued a similar warning, due to increased reports of myGov-related SMS and email scams.

“At this time of year, when people expect some form of interaction with the ATO during tax time, be aware that cyber criminals take advantage by pretending to be the ATO or myGov,” it reported.

Such scams look like they have come from an ATO or myGov email and they ask you to click on a link to verify your details.

The Australian Cyber Security Centre has reiterated: “As always, our advice is don’t click any links and don’t provide the information requested.”

Want to better protect yourself against cyber crime? nestegg recently chatted with Professor Asha Rao, the associate dean of mathematical sciences at RMIT University, about the importance of remaining vigilant and how to stay safe online. You can listen here. 

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The consumer watchdog has warned that impersonation scams are on the rise, with more than $1.26 million having been lost by Australians from more than 7,100 instances of fraudulent behaviour.

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As consumers’ preferences change from traditional retail to online shopping, they are being advised to keep an eye out for potential scams.

Write comment (0 Comments) " ["fulltext"]=> string(3243) "

A study released by Mastercard showed that since the pandemic began, nearly half (46 per cent) of respondents in Asia Pacific said they have been using cash less often, while two-thirds of Latin American consumers said they have been using cash less or not at all. 

In Europe, which already had the largest adoption of contactless payments of any region, 64 percent said tap-and-pay is now their preferred way to pay in-store.

As local restrictions continue to change, online shopping remains part of our new normal. Mastercard research showed that just under three-quarters (71 per cent) of Aussies believe contactless payments are here to stay, with almost six out of 10 globally believing digital payments will become a permanent part of our lives.

With more and more transactions taking place online, it’s never been more important to stay aware of potential online payment fraud. Any financial crisis, especially one as pronounced as that triggered by the COVID-19 pandemic, can put businesses and consumers at heightened risk of fraud.

Mastercard’s five tips to avoid getting scammed:

1. Research the seller

When it comes to spending online, do some quick desktop research to ensure that you are dealing with a trusted and reliable business. Verify company details and check for feedback from other customers – if they’re unsafe, it’s likely someone else has experienced this.

2. Be alert

Be aware of unexpected emails from government agencies (such as the ATO) or health authorities requesting personal information. Don’t click on links or attachments from unknown sources, pop-ups or untrusted websites as this may contain malware, intended to damage devices and steal data. These simple precautions will help you spot any suspicious activity, before it’s too late. Mastercard is working with banks and merchants to deploy technologies that detect malware, use of stolen credentials and identity theft. 

3. Knowledge is power

When going to pay, only enter your details into a secure web page. You can spot this from the “https://” at the beginning of the address bar and/or a picture of a locked padlock in the browser. When shopping online, your bank may prompt you to enter a one-time code, via SMS, to confirm that it is really you making an online payment. 

4. Make sure you’re protected

In the event that your payment details are compromised, make sure you’re protected by industry policies. Notify your bank as soon as you notice an unauthorised transaction. 

5. Store your data securely

From passwords to payment and shipping information, it can be hard to remember everything. To best protect yourself and avoid potential information breaches, put pen to paper.

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Image Caption / Video description: 5 Ways to protect yourself from online scammers

Status: Active

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As consumers’ preferences change from traditional retail to online shopping, they are being advised to keep an eye out for potential scams.

Write comment (0 Comments) " ["jcfields"]=> array(9) { [1]=> object(stdClass)#4873 (32) { ["id"]=> string(1) "1" ["title"]=> string(17) "Automatic tagging" ["name"]=> string(17) "automatic-tagging" ["checked_out"]=> string(1) "0" ["checked_out_time"]=> string(19) "0000-00-00 00:00:00" ["note"]=> string(0) "" ["state"]=> string(1) "1" ["access"]=> string(1) "1" ["created_time"]=> string(19) "2018-08-29 05:26:30" ["created_user_id"]=> string(4) "2355" ["ordering"]=> string(2) "-1" ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#4628 (3) { ["data":protected]=> object(stdClass)#4642 (1) { ["options"]=> object(stdClass)#4640 (2) { ["options0"]=> object(stdClass)#4639 (2) { ["name"]=> string(3) "Yes" ["value"]=> string(1) "1" } ["options1"]=> object(stdClass)#4641 (2) { ["name"]=> string(2) "No" ["value"]=> string(1) "0" } } } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#4638 (3) { 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" } } ["link"]=> string(65) "/save-money/scams/5-ways-to-protect-yourself-from-online-scammers" ["image"]=> string(48) "images/article-826x550/cyber-scammer-dark-ne.jpg" ["image_alt"]=> string(15) "online scammers" } [4]=> object(stdClass)#4527 (56) { ["id"]=> string(5) "15338" ["title"]=> string(64) "‘A perfect storm’: ASIC delivers new investment scam warning" ["alias"]=> string(57) "a-perfect-storm-asic-delivers-new-investment-scam-warning" ["introtext"]=> string(316) "

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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Australians lost more than $634 million to scams in 2019 alone, a figure calculated from the more than 350,000 reports of fraudulent activity made to Scamwatch, other government agencies and the big four banks over the year.

Write comment (0 Comments) " ["fulltext"]=> string(3443) "

According to the Australian Competition and Consumer Commission’s (ACCC) deputy chair, Delia Rickard, it was unfortunately “another year with devastatingly high losses”.

While it’s the first year that the consumer watchdog has incorporated statistics from the big four banks in its reporting, Ms Rickard said it “gives a more complete picture of how much people are losing to scams”.

Despite this, “we know these numbers still vastly understate losses as around one-third of people don’t report scam cases to anyone”.

Scammers are “constantly finding new ways to defraud Australians”, the deputy chair said.

“Some of these scams can last for months, or even years, and can leave victims financially and emotionally devastated,” Ms Rickard flagged.

Business email compromise scams accounted for the highest losses in 2019 – it saw both businesses and individuals lose a total $132 million.

Investment scams came in at a close second – losing Australians $126 million all up.

Dating and romance scams also netted large losses – victims of this scam type gave up a reported $83 million.

According to information gathered by the ACCC, scams originating on social media increased by 20 per cent in 2019, while scammers increasingly attempted to make contact with potential victims through the use of mobile phone apps.

Inclusion of the most recent data means that over the last 10 years, ScamWatch has received almost 1 million scam reports.

Combined with partner data, it means Australians have reported losses of $2.5 billion over the decade.

Ms Rickard said, “Over the last decade, scammers have taken advantage of new technologies, and current scams are using social media apps and new payment methods that didn’t exist in 2009.”

“In particular, a new trend with dating and romance scams is scammers contacting the victim on social media apps or games which are not designed for dating, so it’s important to be aware that scammers can target you anywhere,” she explained.

The consumer watchdog highlighted several common techniques in use by scammers to manipulate their victims: These include making exclusive offers that you don’t want to miss out on, or asking for small commitments, such as completing a survey, to make the victim more likely to comply with larger schemes.

“You can always say no, hang up the phone or delete an email, even if you’ve said yes previously. You don’t owe the scammer anything,” Ms Rickard advised.

Anyone who thinks they may have been the victim of a scam is being urged to contact their bank as soon as possible, as well as contact the platform on which the scam took place.

---

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Australians lost more than $634 million to scams in 2019 alone, a figure calculated from the more than 350,000 reports of fraudulent activity made to Scamwatch, other government agencies and the big four banks over the year.

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string(19) "2020-07-08 05:42:04" ["created_user_id"]=> string(4) "2351" ["ordering"]=> string(1) "0" ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#4647 (3) { ["data":protected]=> object(stdClass)#4650 (1) { ["relative"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#4649 (3) { ["data":protected]=> object(stdClass)#4652 (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)#4898 (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)#4651 (3) { ["data":protected]=> object(stdClass)#4654 (1) { ["relative"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#4653 (3) { ["data":protected]=> object(stdClass)#4656 (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)#4894 (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)#4655 (3) { ["data":protected]=> object(stdClass)#4658 (2) { ["filter"]=> string(0) "" ["maxlength"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#4657 (3) { ["data":protected]=> object(stdClass)#4660 (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)#4895 (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)#4659 (3) { ["data":protected]=> object(stdClass)#4662 (2) { ["filter"]=> string(0) "" ["maxlength"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#4661 (3) { ["data":protected]=> object(stdClass)#4664 (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)#4891 (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)#4663 (3) { ["data":protected]=> object(stdClass)#4669 (1) { ["options"]=> object(stdClass)#4667 (2) { ["options0"]=> object(stdClass)#4666 (2) { ["name"]=> string(8) "Inactive" ["value"]=> string(1) "0" } ["options1"]=> object(stdClass)#4668 (2) { ["name"]=> string(6) "Active" ["value"]=> string(1) "1" } } } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#4665 (3) { ["data":protected]=> object(stdClass)#4671 (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)#4893 (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)#4670 (3) { ["data":protected]=> object(stdClass)#4673 (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)#4672 (3) { ["data":protected]=> object(stdClass)#4675 (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)#4904 (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)#4674 (3) { ["data":protected]=> object(stdClass)#4677 (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)#4676 (3) { ["data":protected]=> object(stdClass)#4679 (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(52) "/save-money/scams/634m-loss-scammers-getting-smarter" ["image"]=> string(48) "images/article-826x550/scammer-silhouette-ne.jpg" ["image_alt"]=> string(24) "Scammers getting smarter" } }