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Personal loans can be a strategic tool for managing finances, whether consolidating debt, financing a large purchase, or covering unexpected expenses. However, borrowing money comes with the responsibility of timely repayments and the cost of interest.
" ["fulltext"]=> string(4829) "As such, it is crucial to manage personal loans smartly to avoid financial strain. Here’s a comprehensive guide for the savvy Australian borrower on how to manage personal loans effectively.
The smart borrower’s guide to managing personal loans
Understand your loan
The first step in managing a personal loan is to fully understand its terms. Be clear on the interest rate, whether it is fixed or variable, the term of the loan, and any fees or penalties associated with early repayment or missed payments. Read the fine print and ask your lender to clarify any points that are not clear to you.
Budget wisely
To manage a personal loan effectively, incorporate the repayment amount into your budget. This ensures you have a clear picture of your financial commitments and helps prevent overspending. A well-structured budget accounts for your income, fixed expenses, savings, and loan repayments.
Timely repayments
Making loan repayments on time is essential. Late payments can result in additional fees and negatively impact your credit score. Set up direct debits or automatic transfers from your bank account to ensure you never miss a payment.
Pay more than the minimum
If your budget allows, paying more than the minimum repayment can reduce the amount of interest you pay over the life of the loan and shorten the loan term. Even small additional repayments can make a significant difference.
Monitor interest rates
Keep an eye on interest rates, especially if you have a variable rate loan. If rates fall, you may end up paying less interest, which could allow you to pay off the loan faster. Conversely, if rates rise, be prepared to adjust your budget to cover the increase.
Use windfalls wisely
If you receive a financial windfall, such as a tax refund, bonus, or inheritance, consider making a lump-sum repayment on your loan. This can dramatically reduce the principal amount owed and thus the interest, as well as shorten the loan term.
Avoid additional debt
While you have a personal loan, it’s wise to avoid taking on additional debt that can strain your finances. Focus on repaying what you currently owe before committing to any other significant financial obligations.
Refinance if necessary
If you find a lender offering a lower interest rate, or if your financial situation has improved since you took out the loan, refinancing could save you money. However, be mindful of any fees involved in closing your current loan and opening a new one.
Stay in communication with your lender
If you’re having trouble making repayments due to a change in your financial circumstances, contact your lender as soon as possible. Most lenders will prefer to work with you to adjust your repayment plan rather than see you default on the loan.
Regularly review your loan
Periodically review your loan and your financial situation. You may find opportunities to adjust your repayments or even pay off the loan entirely without penalty, saving you money on interest.
---
Effectively managing a personal loan requires diligence, budgeting, and an ongoing assessment of your financial situation. By understanding your loan, making timely repayments, and staying on top of interest rates, you can control your debt rather than let it control you.
Smart management of personal loans can contribute to a healthier financial future, providing peace of mind and financial freedom. Remember, when managed wisely, personal loans can be a helpful financial tool rather than a burden.
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From financing a credit card debt to deciding on a home loan, Nest Egg’s got your back! " ["secure"]=> int(0) ["page_description"]=> string(7) "nestegg" ["page_rights"]=> NULL ["robots"]=> NULL ["check_access_rights"]=> int(0) ["access-view"]=> bool(true) } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["displayDate"]=> string(19) "2023-11-28 22:00:23" ["slug"]=> string(59) "18396:the-smart-borrower-s-guide-to-managing-personal-loans" ["event"]=> object(stdClass)#8537 (3) { ["afterDisplayTitle"]=> string(0) "" ["beforeDisplayContent"]=> string(132) "- Yes
Personal loans can be a strategic tool for managing finances, whether consolidating debt, financing a large purchase, or covering unexpected expenses. However, borrowing money comes with the responsibility of timely repayments and the cost of interest.
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string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } } ["link"]=> string(87) "/borrow-money/personal-cash-loans/the-smart-borrower-s-guide-to-managing-personal-loans" ["image"]=> string(145) "https://res.cloudinary.com/momentum-media-group-pty-ltd/image/upload/v1701068915/The_smart_borrower_s_guide_to_managing_personal_loans_v5o4h1.png" ["image_alt"]=> string(0) "" } [1]=> object(stdClass)#7977 (57) { ["id"]=> int(18379) ["title"]=> string(81) "The future of digital banking in Australia: Trends and implications for investors" ["alias"]=> string(80) "the-future-of-digital-banking-in-australia-trends-and-implications-for-investors" ["introtext"]=> string(179) "As technology continues to reshape our lives, its influence on the financial sector is particularly transformative. One sector at the epicentre of this change is banking.
" ["fulltext"]=> string(6325) "Digital banking in Australia has seen a paradigm shift in recent years, with traditional banks, fintechs, and even tech giants playing a role in this rapidly evolving landscape. This article delves into the future of digital banking in Australia and what it signifies for investors.
The digital transformation
1. Improving the user experience
One of the most visible changes in digital banking is the customer-centric focus, emphasising user experience and convenience. Banks are now prioritising user experience and convenience, making it easier for customers to access and manage their finances.
With the rise of smartphones and mobile banking apps, customers can perform a wide range of transactions, from checking account balances to transferring funds, all from the comfort of their own homes.
2. Taking operational efficiency to the next level
Digital technologies are enabling banks to improve their operational efficiency and streamline their processes. Artificial intelligence (AI) is playing a crucial role in this transformation. AI-powered chatbots are being used for customer service, providing quick and efficient responses to customer queries.
Blockchain technology is another innovation that is driving operational efficiency in the banking sector. By leveraging the power of blockchain, banks can facilitate secure and transparent transactions, eliminating the need for intermediaries and reducing costs.
3. A broader financial inclusion
One of the most promising aspects of the digital transformation in banking is its potential to bring financial services to underserved areas. In Australia, as well as globally, there are communities that have limited access to traditional banking services. Digital banking has the power to bridge this gap by providing access to financial services through mobile devices.
Mobile banking apps and digital wallets allow individuals to open accounts, make payments, and access other financial services without the need for physical branches. This opens up opportunities for those who have been excluded from the traditional banking system, enabling them to participate in the economy and improve their financial well-being.
Key trends shaping the future
Open Banking, driven by the Consumer Data Right (CDR), is poised to reshape customer interactions with financial service providers in Australia. It empowers customers to securely share their financial data with other institutions, granting them more control over their personal information and fostering competition and innovation within the industry.
Cryptocurrencies and Blockchain technology, while still awaiting regulatory decisions, hold the potential to revolutionize transaction processes. Cryptocurrencies like Bitcoin are gaining traction as alternative payment methods, while blockchain technology offers secure and transparent transaction verification, involving multiple parties.
Artificial Intelligence is set to play a pivotal role in the future of digital banking. Machine learning algorithms can analyze vast datasets, enabling personalized financial advice, the detection of fraudulent activities, and even the automation of investment decisions. By harnessing AI, banks can provide customized solutions to customers while enhancing overall operational efficiency.
Implications for investors
In the face of digital technology's growing importance, traditional banks that effectively adapt may experience a boost in profitability, driven by reduced operational expenses.
Exploring the fintech sector presents substantial investment potential, particularly for investors seeking diversification away from conventional banking stocks.
Keeping abreast of the swiftly changing regulatory framework surrounding digital financial services is essential for investors, as it can significantly influence their decision-making process.
Risks and challenges
The escalating volume of digital data and transactions underscores the critical importance of cybersecurity as a top concern.
Swift technological advancements can outstrip regulatory frameworks, leading to uncertainty for banks and investors alike in terms of regulatory risks.
With an increasing number of participants entering the digital banking landscape, competition intensifies, potentially impacting growth prospects in the market.
Tips for Australian investors
Conducting thorough due diligence is essential before committing to investments in digital banking or fintech ventures, ensuring informed decision-making.
Given the inherent volatility in the fintech sector, it's prudent to include it as part of a diversified investment portfolio to spread risk.
Staying informed about industry trends and legislative shifts can provide valuable insights, potentially revealing promising investment opportunities ahead of time.
Conclusion
The future of digital banking in Australia is both exciting and unpredictable, with manifold opportunities and risks for investors. Those who keep their finger on the pulse of technological and regulatory trends will be better positioned to capitalise on the digital transformation sweeping the banking sector.
By staying abreast of the latest developments and understanding their impact, Australian investors can navigate the complex yet promising world of digital banking more effectively.
This article is intended for informational purposes and should not be considered as financial advice. Consult a financial adviser for personalised advice to suit your individual circumstances.
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As technology continues to reshape our lives, its influence on the financial sector is particularly transformative. One sector at the epicentre of this change is banking.
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string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } } ["link"]=> string(102) "/borrow-money/banking/the-future-of-digital-banking-in-australia-trends-and-implications-for-investors" ["image"]=> string(172) "https://res.cloudinary.com/momentum-media-group-pty-ltd/image/upload/v1699328705/The_future_of_digital_banking_in_Australia_trends_and_implications_for_investors_njkzsl.png" ["image_alt"]=> string(0) "" } [2]=> object(stdClass)#7976 (57) { ["id"]=> int(18361) ["title"]=> string(43) "ANZ sued for allegedly misleading customers" ["alias"]=> string(43) "anz-sued-for-allegedly-misleading-customers" ["introtext"]=> string(82) "The corporate regulator has commenced civil proceedings in Federal Court.
" ["fulltext"]=> string(1922) "On Monday, 30 May, ASIC confirmed it is suing ANZ for overstating its account balances and charging fees.
In a statement, the corporate regulator alleged that between May 2016 and November 2018, around 165,750 ANZ customers were charged cash advance fees and interest for withdrawing or transferring money from their credit card accounts based on an incorrect account balance.
ASIC claims that the issue is still yet to be “adequately fixed” and that customers are still being affected.
“We are concerned that, over a long period of time, ANZ overstated the available funds and balances on credit card accounts, and nonetheless charged fees and interest to customers who relied on this information when making withdrawals,” ASIC deputy chair Sarah Court said.
“In some cases, single customers were charged thousands of dollars in fees while the average cash advance fees and interest charged per affected account was $47.
“This alleged misconduct is the result of system errors within ANZ and a lack of effort to comprehensively fix these issues. We say that ANZ has been aware of the unlawful charging since at least 2018 and the problem is still occurring today.”
ASIC further alleges that since 24 September last year, ANZ engaged in “misleading” conduct where the amount of a customer’s ‘balance’ or ‘funds’ was in credit, the balance would be available to the customer for withdrawal without incurring fees or interest.
ASIC is seeking declarations and pecuniary penalties and orders from the Court that customers who have been charged since 2018 be remediated.
In its own statement, ANZ said it is "considering the matters" brought forward by ASIC.
"ANZ will not be providing further comment given the matter is now before the Court," the statement read.
A hearing date is yet to be scheduled.
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The corporate regulator has commenced civil proceedings in Federal Court.
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string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } } ["link"]=> string(65) "/borrow-money/banking/anz-sued-for-allegedly-misleading-customers" ["image"]=> string(44) "images/article-826x550/ANZ-new-still1-ne.jpg" ["image_alt"]=> string(43) "ANZ sued for allegedly misleading customers" } [3]=> object(stdClass)#7975 (57) { ["id"]=> int(18332) ["title"]=> string(57) "CBA launches digital home loan with 10-minute application" ["alias"]=> string(57) "cba-launches-digital-home-loan-with-10-minute-application" ["introtext"]=> string(150) "According to the bank, Unloan will provide a single low-cost interest rate to borrowers with an application time of as little as ten minutes.
" ["fulltext"]=> string(3077) "The Commonwealth Bank (CBA) has announced that it is now accepting applications for its simplified digital home loan offering, Unloan.
Unloan offers a single interest rate of 2.14 per cent for owner-occupiers and 2.44 per cent for investors with digital applications that purportedly take as little as ten minutes.
“As customer expectations continue to change, we know a growing number of Australians are ready to consider a digital home loan that’s easy to get and more rewarding to live with. And, just as importantly, backed by a brand they know and trust,” said CBA CEO Matt Comyn.
“By bringing together the pace and innovation of the start-up world with the scale and assets of Australia’s leading bank, we've reimagined what a home loan can look like.”
The bank confirmed that those looking to refinance their properties up to a value of $3 million and up to 80 per cent of their value can now apply through Unloan.
Customers will also receive a ‘loyalty discount’ that grows by 0.01 per cent p.a. every year up to a maximum of 30 years.
The launch of Unloan was announced alongside a number of other new initiatives from CBA, including the availability of CommSec within the existing CommBank app and the launch of the new Kit money app and digital information tool for kids.
“Driving digital innovation for our customers is core to our strategy. This is all about reimagining what it means to be a bank, and the ways in which a bank can anticipate and meet customer needs,” said Mr Comyn.
“We seek to be the trusted centre of our customers’ financial lives, using technology to build the best integrated and personalised digital experiences to suit all the ways our customers interact with us. Our strategy is to broaden and deepen our distinct and highly differentiated proposition to give customers more reasons to bank with the Commonwealth Bank.”
The bank’s micro-investing platform CommSec Pocket will be made available to all customers through the CommBank app in the coming months before general CommSec services are then made available later this year.
CBA said that the changes came in response to feedback from the growing number of CommSec investors.
“Customers tell us they want to be able to manage all of their money in one place and now they will be able to move seamlessly between their everyday banking and CommSec investing with one log-in that will give every qualified CBA customer access to CommSec’s investing tool,” Mr Comyn said.
Meanwhile, CBA said that the Kit app and digital information tool aimed to help kids learn about money and how to save, budget and manage their spending by providing them with their own account and prepaid card.
Initially launching as a pilot involving up to 5,000 customers, the bank said that Kit would allow kids to manage their own earning, saving, and spending through experiential learning with controls including spending limits being made available to parents.
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According to the bank, Unloan will provide a single low-cost interest rate to borrowers with an application time of as little as ten minutes.
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["alias"]=> string(58) "are-central-banks-weighing-the-economic-pain-of-rate-hikes" ["introtext"]=> string(200) "The hype around interest rate hikes usually centres around the urgent and fundamental need to alleviate the consequences of inflation – but does this monetary policy do more harm than good?
" ["fulltext"]=> string(4162) "It’s no secret that mortgage holders are the biggest victims of a central bank’s decision to hike interest rates, as they often find themselves faced by bigger loan repayments than they might have initially budgeted for.
Central banks across the globe are presently recalibrating the direction of national monetary policies, as exemplified by the Reserve Bank of Australia’s (RBA) recent decision to raise interest rates from a historic low of 0.1 per cent to 0.35 per cent and the Federal Reserve’s choice to enact the largest hike in decades, all with a common aim to reduce the effects of inflation.
Historically, setting the interest rate to a level that reverses the course on generous government policy has proven effective, but are central banks ignoring the potential long-term economic pain that a rate hike may inflict?
AMP chief economist Dr Shane Oliver doesn’t believe so – rather, he feels that potential economic pain weighs heavily on a central bank’s decision to lift the cash rates.
“They have a dual mandate to aim for price stability but also full employment, so they certainly do take into account financial hardship,” Dr Oliver said.
Describing a central bank’s role as a “balancing act”, he said the present problem of inflation is causing hardship for households and businesses because costs are rising – “but by the same token, we also know that if central banks don’t get it under control, it’s going to cause even more hardship.”
And that balancing act creates a significant dilemma for central banks, according to Dr Oliver.
He said central banks know if they don’t get inflation under control, they’ll have a much bigger problem, and virtually the only lead they have is to raise interest rates.
“In other words, to tighten monetary policy – because it increases the cost of money, and acts to slow down demand growth in the economy – that’s what they’re seeking to do but it does have the unfortunate effect of taking spending power away from the nearly 40 per cent of households that have a mortgage,” Dr Oliver said.
This dilemma places central banks in a difficult position because “there’s not much more they can do about that”.
There’s also the problem when interest rates are raised too high, they potentially place mortgage holders in the position of having to sell or even face the prospect of having to default on their loan – but Dr Oliver said there are contingencies for those events.
“It is a significant risk and it’s why it’s next to impossible to predict how high interest rates will go because that is the key thing the RBA will be watching,” Dr Oliver said.
He said that the RBA only wants to raise interest rates enough to “cool things down” and to get inflation under control.
“It’s not on autopilot here – this is not 1989 when debt levels were a fraction of what they are today, and therefore interest rates went to 17 per cent,” he said.
He offered a relieving assertion that the RBA will not be doing that – “they will only raise interest rates as far as necessary, and as soon as they see signs that there’s a big increase in defaults or lots of people really struggling on their mortgage to the point that they’re likely to miss payments or might have to sell their house, then that’s when they will pull back,” Dr Oliver said.
He said at some point, if interest rate hikes start to cause issues within the housing sector, that may be a sign that the RBA has “done enough”.
Dr Oliver also reminds that APRA requires banks to assess any borrower on the basis of their ability to pay a mortgage rate of 3 per cent above the rate of which they’re signing up for.
“So if you show up and your mortgage rate is 3.7 per cent as the going rate, the bank will assess you on the basis of 3.7 per cent, plus another 3 per cent, at 6.7 per cent,” he said.
“They’ll want clear evidence that you can keep your payments going when rates are 3 per cent higher.”
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The hype around interest rate hikes usually centres around the urgent and fundamental need to alleviate the consequences of inflation – but does this monetary policy do more harm than good?
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string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } } ["link"]=> string(78) "/borrow-money/loans/are-central-banks-weighing-the-economic-pain-of-rate-hikes" ["image"]=> string(48) "images/article-826x550/stressed-man-bills-ne.jpg" ["image_alt"]=> string(10) "rate hikes" } [5]=> object(stdClass)#7973 (57) { ["id"]=> int(18296) ["title"]=> string(65) "Banks report $14.4bn profit amid pressure on net interest margins" ["alias"]=> string(64) "banks-report-14-4bn-profit-amid-pressure-on-net-interest-margins" ["introtext"]=> string(246) "Australia’s major banks have reported a significant boost to their bottom lines and returns in the first half of the 2022 financial year, signaling sector-wide resilience despite persistent pressure on their net interest margins (NIM).
" ["fulltext"]=> string(3633) "Indicating a healthy outlook for Australia’s network of major banks, a new analysis from professional services network KPMG revealed big banks raked in a combined after-tax cash profit from continuing operations of $14.4 billion in the first half of 2022.
This translates into a 5.1 per cent increase against the comparable period in 2021, indicating that bank profits are returning to their pre-COVID levels despite remaining “slightly” down, by 0.4 per cent, on the results clocked in the first half of the 2019 financial year.
According to the KPMG report, the growth in cash profits hinged on the increase in total operating income (on a cash basis), which edged up 0.8 per cent on the year, rising from $39.6 billion to $39.9 billion.
“Off the back of this earnings growth, the Majors’ return on equity (ROE) has risen to 10.6 per cent from 10.4 per cent in FY21,” the report found.
Continuously strong volumes in both mortgage and business lending contributed to a lift in operating incomes, KPMG explained.
The firm’s head of banking and capital markets, Steve Jackson, said the major banks have successfully capitalised on the recovery of the Australian economy and the strong housing market performance to deliver improved financial results.
“With returns on equity in the sector now again restored to double digits but with uncertainty ahead, it will be interesting to see how they maintain their current momentum,” Mr Jackson said.
But despite the apparent resilience in banking profits, KPMG pointed to a decrease in net interest margins with the average NIM for the major banks down 13 basis points to 175.
“The industry-wide depressed NIMs have been the primary brake on the majors’ profit growth,” the KPMG report said.
KPMG’s banking strategy lead Hessel Verbeek said the market dynamic has been dominated by the NIM decrease resulting from low lending rates in a very competitive market and strong demand for low margin fixed rate mortgages.
“This downward pressure has only partially been offset by lower funding costs from near-zero deposit rates. The impacts of an extended period of low interest rates are deeply baked into net interest margins,” Mr Verbeek said.
Moving forward, the RBA’s recent rate rise has signalled the end of the prolonged period of ultra-low interest rates, creating a general expectation that this will support a recovery of NIMs.
“We expect to see the dual impacts of both net interest margin relief and higher levels of mortgage book stress, as RBA interest rates are expected to increase several times. However, these impacts will take their time to pull through as both margins and book quality have built up their momentum over a long period of low rates,” said Verbeek.
Another interesting development highlighted by KPMG when looking at the major’s results has been the decrease in balance sheet strength, with the average CET1 ratio declining by 90 basis points to a still very strong 11.8 per cent.
KPMG noted that while in recent years, the majors have been shoring up their capital position through divestments and lower dividend pay-out ratios, this trend appears to have ended.
“We may have reached an inflection point on balance sheet strength. This signals that the Majors have left the recent disruptions behind them, and are now charting a new course. They are starting to ‘draw down’ on the balance sheet ‘deposits’ they have been making since 2020,” said KPMG banking partner Maria Trinci.
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From financing a credit card debt to deciding on a home loan, Nest Egg’s got your back! " ["secure"]=> int(0) ["page_description"]=> string(7) "nestegg" ["page_rights"]=> NULL ["robots"]=> NULL ["check_access_rights"]=> int(0) ["access-view"]=> bool(true) } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["displayDate"]=> string(19) "2022-05-10 00:00:26" ["slug"]=> string(70) "18296:banks-report-14-4bn-profit-amid-pressure-on-net-interest-margins" ["event"]=> object(stdClass)#8704 (3) { ["afterDisplayTitle"]=> string(0) "" ["beforeDisplayContent"]=> string(132) "- Yes
Australia’s major banks have reported a significant boost to their bottom lines and returns in the first half of the 2022 financial year, signaling sector-wide resilience despite persistent pressure on their net interest margins (NIM).
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"url" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(3) ["label"]=> string(17) "First article URL" ["description"]=> string(0) "" ["required"]=> int(0) ["only_use_in_subform"]=> int(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"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [8]=> object(stdClass)#8759 (33) { ["id"]=> int(8) ["title"]=> string(18) "Second article URL" ["name"]=> string(18) "second-article-url" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2020-07-08 05:42:04" ["created_user_id"]=> int(2351) ["ordering"]=> int(0) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#8168 (3) { ["data":protected]=> object(stdClass)#8484 (1) { ["relative"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#8165 (3) { ["data":protected]=> object(stdClass)#8424 (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":protected]=> string(1) "." } ["type"]=> string(3) "url" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(3) ["label"]=> string(18) "Second article URL" ["description"]=> string(0) "" ["required"]=> int(0) ["only_use_in_subform"]=> int(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"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [9]=> object(stdClass)#8754 (33) { ["id"]=> int(9) ["title"]=> string(17) "Third article URL" ["name"]=> string(17) "third-article-url" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2020-07-08 05:42:42" ["created_user_id"]=> int(2351) ["ordering"]=> int(0) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#8485 (3) { ["data":protected]=> object(stdClass)#8465 (1) { ["relative"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#8233 (3) { ["data":protected]=> object(stdClass)#8483 (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":protected]=> string(1) "." } ["type"]=> string(3) "url" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(3) ["label"]=> string(17) "Third article URL" ["description"]=> string(0) "" ["required"]=> int(0) ["only_use_in_subform"]=> int(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"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [4]=> object(stdClass)#8752 (33) { ["id"]=> int(4) ["title"]=> string(9) "Video URL" ["name"]=> string(9) "video-url" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2020-06-19 05:54:21" ["created_user_id"]=> int(2351) ["ordering"]=> int(1) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#8482 (3) { ["data":protected]=> object(stdClass)#8462 (2) { ["filter"]=> string(0) "" ["maxlength"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#8434 (3) { ["data":protected]=> object(stdClass)#8492 (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":protected]=> string(1) "." } ["type"]=> string(4) "text" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(2) ["label"]=> string(9) "Video URL" ["description"]=> string(0) "" ["required"]=> int(0) ["only_use_in_subform"]=> int(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"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [6]=> object(stdClass)#8751 (33) { ["id"]=> int(6) ["title"]=> string(33) "Image Caption / Video description" ["name"]=> string(31) "image-caption-video-description" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2020-06-25 16:29:55" ["created_user_id"]=> int(2351) ["ordering"]=> int(2) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#8366 (3) { ["data":protected]=> object(stdClass)#8490 (2) { ["filter"]=> string(0) "" ["maxlength"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#8146 (3) { ["data":protected]=> object(stdClass)#8488 (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":protected]=> string(1) "." } ["type"]=> string(4) "text" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(2) ["label"]=> string(33) "Image Caption / Video description" ["description"]=> string(0) "" ["required"]=> int(0) ["only_use_in_subform"]=> int(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"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [3]=> object(stdClass)#8761 (33) { ["id"]=> int(3) ["title"]=> string(6) "Status" ["name"]=> string(6) "status" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2020-06-20 01:45:26" ["created_user_id"]=> int(2351) ["ordering"]=> int(3) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#8491 (3) { ["data":protected]=> object(stdClass)#8476 (1) { ["options"]=> object(stdClass)#8430 (2) { ["options0"]=> object(stdClass)#8486 (2) { ["name"]=> string(8) "Inactive" ["value"]=> string(1) "0" } ["options1"]=> object(stdClass)#8431 (2) { ["name"]=> string(6) "Active" ["value"]=> string(1) "1" } } } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#8489 (3) { ["data":protected]=> object(stdClass)#8481 (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":protected]=> string(1) "." } ["type"]=> string(5) "radio" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(2) ["label"]=> string(6) "Status" ["description"]=> string(0) "" ["required"]=> int(0) ["only_use_in_subform"]=> int(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"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [5]=> object(stdClass)#8694 (33) { ["id"]=> int(5) ["title"]=> string(22) " Essential information" ["name"]=> string(21) "essential-information" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2020-06-25 06:10:20" ["created_user_id"]=> int(2351) ["ordering"]=> int(4) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#8487 (3) { ["data":protected]=> object(stdClass)#8510 (4) { ["buttons"]=> string(0) "" ["width"]=> string(0) "" ["height"]=> string(0) "" ["filter"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#8432 (3) { ["data":protected]=> object(stdClass)#8512 (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":protected]=> string(1) "." } ["type"]=> string(6) "editor" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(2) ["label"]=> string(22) " Essential information" ["description"]=> string(35) "3 points that summarize the article" ["required"]=> int(0) ["only_use_in_subform"]=> int(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"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [2]=> object(stdClass)#8749 (33) { ["id"]=> int(2) ["title"]=> string(14) "Embedded Video" ["name"]=> string(14) "embedded-video" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2020-06-20 01:43:32" ["created_user_id"]=> int(2351) ["ordering"]=> int(5) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#8509 (3) { ["data":protected]=> object(stdClass)#8514 (4) { ["buttons"]=> string(0) "" ["width"]=> string(0) "" ["height"]=> string(0) "" ["filter"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#8511 (3) { ["data":protected]=> object(stdClass)#8516 (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":protected]=> string(1) "." } ["type"]=> string(6) "editor" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(2) ["label"]=> string(14) "Embedded Video" ["description"]=> string(0) "" ["required"]=> int(0) ["only_use_in_subform"]=> int(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"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } } ["link"]=> string(86) "/borrow-money/banking/banks-report-14-4bn-profit-amid-pressure-on-net-interest-margins" ["image"]=> string(53) "images/article-826x550/australia-dollars-coins-ne.jpg" ["image_alt"]=> string(65) "Banks report $14.4bn profit amid pressure on net interest margins" } }Subscribe to our newletters
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