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Recent research from the e61 Institute has unearthed significant links between slow wage growth in Australia and obstacles to job mobility, including non-compete clauses, complicated occupational licensing rules, and the affordability of housing.

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These barriers could be limiting the potential economic benefits of job switching for workers, firms, and the overall economy.

The study highlights the surprisingly low number of workers seeking better pay through changing jobs, despite Australia experiencing one of its strongest labor markets in recent history. This trend is partly attributed to regulatory challenges and the ongoing impact of the COVID-19 pandemic. "The rate at which workers move between jobs has declined in recent decades. Despite the strongest labour market in decades, job switching rates have only recently risen to a little above the pre-pandemic level," e61's Senior Research Economist, Aaron Wong, conveyed.

Aaron Wong provided insight into the repercussions of such trends, stating, "If people aren’t switching to better jobs in a record-setting labour market, it suggests that there are fundamental issues in the Australian labour market." This observation underscores a critical need for reassessment of current labor market dynamics and policies.

The research further revealed that workers who did switch jobs enjoyed a significant wage increase of 9 percentage points more than those who stayed put, equating to an average annual pay rise of approximately $5,700 for median-wage earners. The benefits appeared even more pronounced among younger workers (aged 21-34), who saw an average wage increase of $7,500 upon switching jobs. In addition, the analysis showed that job switchers in capital cities received higher wage gains compared to their counterparts in regional areas, attributed to the greater employment opportunities available in urban centers.

e61 Institute CEO Michael Brennan emphasized the impact of workplace laws on job mobility, suggesting that "This research suggests that workplace laws could be a barrier to job mobility, which impacts the ability of workers to benefit from job switching." The research pointed to specific impediments such as restrictive non-compete clauses in employment contracts and complex occupational licensing requirements that vary across states and territories.

Furthermore, the study advocated for policy reforms aimed at enhancing labor market dynamism and innovation. Aaron Wong argued for policy changes to "encourage firms to compete more actively for the best workers and make it easier for workers to move between employers," which could mutually benefit workers and employers by aligning top-performing firms with the most suitable workers. Additionally, he highlighted the potential for government policies aimed at fostering entrepreneurship and the startup ecosystem, thereby creating more job opportunities that align with workers' skills and propelling wage growth.

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Recent research from the e61 Institute has unearthed significant links between slow wage growth in Australia and obstacles to job mobility, including non-compete clauses, complicated occupational licensing rules, and the affordability of housing.

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As the Australian property market continues to evolve, investors are keenly looking for strategies that will yield the best returns in 2024.

" ["fulltext"]=> string(4736) "

 With insights from industry experts, this article delves into the best property investment strategies for the upcoming year, offering a roadmap for navigating Australia's dynamic real estate landscape.

Diversification: The key to stability

Experts agree that diversification remains a cornerstone strategy for property investment in Australia. By spreading investments across different property types, locations, and investment models, investors can mitigate risks associated with market volatility. This approach not only safeguards against regional economic downturns but also capitalises on the growth potential in varied sectors.

Strategy highlights:
- Geographical diversification: Investing in a mix of urban and regional properties to leverage the growth potential outside major cities.
- Asset types: Combining residential, commercial, and industrial properties to balance the portfolio.
- Investment models: Exploring direct ownership, real estate investment trusts (REITs), and property syndicates for varied exposure.

Focus on growth corridors

Identifying and investing in growth corridors is a strategy highly recommended for 2024. These are areas projected to experience significant development, population growth, and infrastructure improvement, driving demand for property. Researching upcoming government projects, such as transportation networks and urban development plans, can provide insights into future hotspots.

Strategy highlights:
- Infrastructure-led growth: Targeting areas with planned infrastructure projects that will enhance accessibility and attract businesses and residents.
- Demographic trends: Investing in regions with strong population growth forecasts, particularly those appealing to Millennials and Gen Z, who are entering the property market.

Sustainable and green investments

Sustainability is moving from a niche interest to a mainstream investment criterion. Properties that offer eco-friendly features, energy efficiency, and sustainable living conditions are increasingly in demand among tenants and buyers. Investing in green properties or upgrading existing properties to meet sustainable standards can enhance their value and appeal.

Strategy highlights:
- Green certification: Seeking properties with sustainability certifications, such as Green Star, can increase their marketability and rental yields.
- Energy efficiency: Investing in solar panels, energy storage systems, and other technologies that reduce utility costs and appeal to environmentally conscious tenants.

Technology and innovation

Leveraging technology and innovation in property investment can provide a competitive edge. From property management software that streamlines operations to virtual reality tours for prospective tenants, technology is reshaping the real estate landscape. Staying abreast of technological advancements can improve investment outcomes by enhancing property appeal and operational efficiency.

Strategy highlights:
- PropTech investments: Adopting property technology (PropTech) solutions for better management and enhanced tenant experiences. 
- Smart homes: Investing in smart home technologies to attract a tech-savvy demographic and command higher rents.

Expert insights for 2024

Industry experts emphasise the importance of research and due diligence in implementing these strategies. Understanding market trends, regulatory changes, and economic forecasts is crucial for making informed investment decisions. Additionally, building a network of real estate professionals, including agents, brokers, and financial advisors, can provide valuable insights and support.

Conclusion

As we look towards 2024, the Australian property market presents a wealth of opportunities for informed investors. By embracing diversification, focusing on growth corridors, investing in sustainable properties, and leveraging technology, investors can position themselves for success in the evolving real estate landscape. With expert insights guiding the way, the upcoming year holds promise for strategic investors aiming to maximise their returns in Australia's dynamic property market.

For those seeking to refine their property investment strategies, engaging with industry seminars, real estate workshops, and professional advisory services can provide the expertise and knowledge needed to navigate the complexities of the Australian real estate market effectively.

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string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } } ["link"]=> string(92) "/earn-money/best-property-investment-strategies-in-australia-for-2024-an-experts-perspective" ["image"]=> string(173) "https://res.cloudinary.com/momentum-media-group-pty-ltd/image/upload/v1707700681/best_property_investment_strategies_in_Australia_for_2024_an_expert_s_perspective_bslte9.jpg" ["image_alt"]=> string(82) "best property investment strategies in Australia for 2024: an expert's perspective" } [2]=> object(stdClass)#8105 (57) { ["id"]=> int(18399) ["title"]=> string(61) "Innovative tax saving techniques for individuals and families" ["alias"]=> string(61) "innovative-tax-saving-techniques-for-individuals-and-families" ["introtext"]=> string(168) "

Tax time can be daunting for many Australians, but with some innovative planning and smart strategies, individuals and families can maximise their tax savings.

" ["fulltext"]=> string(4633) "

Tax laws can be complex and ever-changing, so staying informed and being proactive can significantly reduce your tax liability. Here are some innovative tax-saving techniques to consider.

Innovative tax-saving techniques for individuals and families

1. Income splitting to reduce taxable income

One way families can save on taxes is through income splitting. This involves distributing income within a family to take advantage of lower tax rates for lower-income earners.

For example, investing in the name of a non-working or low-income-earning spouse can result in investment income being taxed at a lower rate.

Similarly, a family trust can be utilised to distribute income among family members strategically.

2. Salary sacrifice arrangements

Salary sacrificing into your superannuation can be a tax-effective way to boost your retirement savings.

By contributing part of your pre-tax salary to your super fund, you can reduce your taxable income while investing more into your super, which is taxed at a concessional rate of 15 per cent.

This strategy works well for individuals in a higher income bracket.

3. Use of tax-deductible debt

Tax-deductible debt is debt incurred to produce taxable income, and the interest on this debt is often tax-deductible.

For instance, if you take out a loan to invest in income-producing shares or property, the interest can be claimed as a tax deduction.

Restructuring your debt to make it tax-deductible requires careful planning and advice but can be an effective tax-saving technique.

4. Investing in tax-effective vehicles

Investing in tax-effective vehicles such as insurance bonds or certain managed funds can also save on tax.

These investments typically pay taxes within the fund at a rate of 30 per cent, which may be beneficial for individuals taxed at a higher rate.

Furthermore, if held for more than ten years, gains from insurance bonds are tax-free when withdrawn.

5. Claiming all deductions and rebates

Ensuring you claim all allowable deductions is essential. This may include work-related expenses, self-education expenses, and home office costs.

It’s also important to be aware of any rebates you may be entitled to, such as the private health insurance rebate or the offsets for low and middle-income earners.

6. Deferring taxable income

If you expect to be in a lower tax bracket in the following year, deferring income until after June 30 can reduce your current year’s taxable income. This may include deferring the sale of assets that will result in a capital gain or delaying the receipt of investment income.

7. Making charitable donations

Making donations to registered charities not only supports good causes but can also provide tax benefits. Donations of $2 or more are tax-deductible, and this can be an effective way to reduce taxable income. Keep all receipts to substantiate claims.

8. Prepaying expenses

Prepaying deductible expenses can bring forward tax deductions into the current financial year. This can include prepaying interest on an investment loan or prepaying income protection insurance premiums.

---

There are numerous strategies that individuals and families can employ to reduce their tax liability. However, it’s important to tailor these strategies to your specific financial situation.

Always consult with a tax professional or financial advisor to ensure compliance with tax laws and maximise your tax-saving potential. By being innovative and informed, you can not only ease your tax burden but also improve your long-term financial health.

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Tax time can be daunting for many Australians, but with some innovative planning and smart strategies, individuals and families can maximise their tax savings.

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string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } } ["link"]=> string(73) "/earn-money/innovative-tax-saving-techniques-for-individuals-and-families" ["image"]=> string(153) "https://res.cloudinary.com/momentum-media-group-pty-ltd/image/upload/v1701071237/Innovative_tax_saving_techniques_for_individuals_and_families_tpflsr.png" ["image_alt"]=> string(0) "" } [3]=> object(stdClass)#8104 (57) { ["id"]=> int(18394) ["title"]=> string(49) "Side hustles that can turn into full-time careers" ["alias"]=> string(49) "side-hustles-that-can-turn-into-full-time-careers" ["introtext"]=> string(112) "

In the age of the gig economy, the traditional 9-to-5 workday is no longer the only pathway to success.

" ["fulltext"]=> string(6162) "

Australians are increasingly turning their passions into paychecks by delving into side hustles. What starts as a part-time project or a hobby can often blossom into a full-time career, offering not just income but also the flexibility and personal satisfaction many workers crave.

Let’s explore some side hustles that have the potential to grow into flourishing full-time careers.

Side hustles that can turn into full-time careers

Freelance writing and content creation

The digital era has created a voracious demand for content. Skilled writers and content creators can find opportunities in blogging, copywriting, and social media management.

With a knack for words and an understanding of SEO (Search Engine Optimisation), one can start by taking on small freelance assignments.

Over time, building a strong portfolio and client base can lead to a lucrative full-time career, especially in niche markets that command specialised knowledge.

E-commerce and online retail

The world of online retail has exploded, with platforms like eBay, Etsy, and Shopify simplifying the process of setting up an online shop. Australians with an eye for market trends or a crafty hand can start small, using these platforms to sell products.

With the right product, marketing strategy, and customer service, this side hustle has the potential to become a thriving online business, with some entrepreneurs eventually expanding into brick-and-mortar stores.

Personal fitness training and wellness coaching

Health and wellness have become a priority for many, and this sector shows no signs of slowing down. If you have expertise and a passion for fitness, personal training can be an excellent side hustle.

Starting with a few clients can eventually lead to more referrals, and before you know it, you could be running your own fitness studio. Additionally, wellness coaching, which focuses on holistic health, is another avenue that has seen substantial growth.

Photography and videography

Photography and videography are highly versatile side hustles. Whether it’s weddings, corporate events, or portrait sessions, there’s always demand.

By building a strong portfolio and networking, this side hustle can become a full-fledged media production business. With the rise of digital marketing, the addition of drone photography and virtual tours can further expand your services.

Consulting and coaching

Professionals with experience in a specific industry can offer their expertise as consultants or coaches. Whether it’s business strategy, life coaching, or IT consulting, leveraging your professional network to find your first clients can set the foundation for a sustainable practice.

With the advent of remote work, consulting services can be offered to clients globally, significantly expanding the potential market.

App development and web design

For those with a technical bent, app development and web design can start as freelance projects and evolve into a full-time tech venture. With every business needing an online presence, skilled developers and designers are in high demand.

Starting with small projects can help you refine your skills, and as you build a reputation for quality work, larger projects and possibly even equity in start-ups could come your way.

Handmade crafts and artwork

Australia has a rich culture of art and craft, and platforms like Etsy have provided artisans with a global marketplace.

Whether it’s jewellery, home decor, or original artwork, turning a creative hobby into a business has never been easier. As your brand grows and you streamline your production, this artistic pursuit can become a significant source of income.

Tips for turning your side hustle into a career

1. Begin with manageable goals, but always have a vision for where you want to go.
2. Connect with others in your field and related fields to learn, find clients, and grow your presence.
3. Create a consistent brand across all your platforms to become easily identifiable and professional.
4. Markets change and new technologies emerge – adapt your business to stay ahead.
5. Use your initial earnings to improve and expand your services or products.

---

Side hustles offer a unique pathway to entrepreneurship. They allow individuals to test the waters of self-employment with relatively low risk and investment.

For many Australians, what begins as a way to earn a bit of extra cash can, with hard work and strategic planning, turn into a rewarding and profitable career.

So, if you have a passion or a skill currently on the sidelines, perhaps it’s time to consider how it might take centre stage in your professional life.

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• Yes

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In the age of the gig economy, the traditional 9-to-5 workday is no longer the only pathway to success.

Write comment (0 Comments) " ["jcfields"]=> array(9) { [1]=> object(stdClass)#8766 (33) { ["id"]=> int(1) ["title"]=> string(17) "Automatic tagging" ["name"]=> string(17) "automatic-tagging" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2018-08-29 05:26:30" ["created_user_id"]=> int(2355) ["ordering"]=> int(-1) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#8517 (3) { ["data":protected]=> object(stdClass)#8518 (1) { ["options"]=> object(stdClass)#8562 (2) { ["options0"]=> object(stdClass)#8561 (2) { ["name"]=> string(3) "Yes" ["value"]=> string(1) "1" } ["options1"]=> object(stdClass)#8563 (2) { ["name"]=> string(2) "No" ["value"]=> string(1) "0" } } } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#8508 (3) { ["data":protected]=> object(stdClass)#8564 (6) { ["hint"]=> string(0) 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string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } } ["link"]=> string(73) "/earn-money/side-hustle/side-hustles-that-can-turn-into-full-time-careers" ["image"]=> string(141) "https://res.cloudinary.com/momentum-media-group-pty-ltd/image/upload/v1701068208/Side_hustles_that_can_turn_into_full-time_careers_tbvalm.png" ["image_alt"]=> string(0) "" } [4]=> object(stdClass)#8103 (57) { ["id"]=> int(18353) ["title"]=> string(61) "Top firm says five factors are fuelling the Great Resignation" ["alias"]=> string(61) "top-firm-says-five-factors-are-fuelling-the-great-resignation" ["introtext"]=> string(85) "

According to PwC, the Great Resignation is showing no signs of slowing down.

" ["fulltext"]=> string(4103) "

In a recent survey conducted by PwC, one in five workers indicated that they are likely to switch to a new employer during the next several months.

The firm surveyed 52,195 workers in 44 countries and territories in what it described as one of the largest surveys of the global workforce.

According to the findings, Gen Z workers are most likely to find a new employer in the next 12 months (27 per cent), followed by Millennials (23 per cent), Gen X'ers (15 per cent) and Baby Boomers (9 per cent).

PwC found that people are less likely to leave if they find their job fulfilling, feel they can be their true self at work, feel fairly rewarded financially, feel their team cares for them, and have a manager who listens.

“There is a tremendous need for business to do more to improve the skills of workers, while being conscious of the risk of polarisation if opportunities to develop aren't provided right across society,” said PwC global chairman Bob Moritz.

“At the same time, workers are not just looking for decent pay, they want more control over how they work and they want to derive greater meaning from what they do.

“By acquiring skills, workers can gain the control over the work they are looking for. Leaders have to adapt to build the teams needed to successfully deal with the challenges and opportunities of today and those yet to come.”

Higher pay is still the most important factor for employees contemplating a change in work environment (71 per cent). However, wanting a fulfilling job (69 per cent) and wanting to truly be themselves at work (66 per cent) were also seen as major motivators.

“In a tight labour market, it is even more important that organisations take a human-led, tech-powered approach,” commented PwC’s global tax and legal services leader Carol Stubbings.

“That means investing in both digital transformation and in skills. Investment should be guided by a principle of equity, with a focus on strengthening the capabilities of skilled employees, providing access routes for those who lack skills and automation that frees up people to do what only people can do.”

PwC’s research also found that women were 7 percentage points less likely than men to feel they were fairly rewarded financially, and also 7 points less likely to ask for a raise.

Furthermore, women are also said to be less likely to ask for a promotion.

“It is bad for society and bad for business when there is a failure to ensure women have the same opportunities as men to develop their skills and careers,” said the co-leader of PwC's global people and organisation services.

“One of the quickest ways to strengthen the workforce is to ensure women are not overlooked - which means addressing the culture, systems and structures that can lead to women losing out.”

Earlier this month, new independent research run by global talent solutions provider Robert Half highlighted that 86 per cent of employers are “concerned” about valued team members leaving in favour of new opportunities.

The firm’s latest Salary Guide for 2022 illustrated a difficult path for employers feeling the pressure to create conditions that will retain employees, with 75 per cent predicting turnover will increase this year compared to the pre-pandemic period. The research also found that 80 per cent of employers are planning award salary increases this year as a means to retain existing employees.

The research, however, warned that boosting compensation is “only part of a swathe of new tactics taking aim at retaining top talent in the year ahead”.

“With flexibility being cited as the number one reason for the rising turnover, work-life balance benefits have become a must-have for most employees in today’s market and most companies are actively taking steps to meet those demands,” the research said.

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• Yes

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According to PwC, the Great Resignation is showing no signs of slowing down.

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string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } } ["link"]=> string(73) "/earn-money/top-firm-says-five-factors-are-fuelling-the-great-resignation" ["image"]=> string(48) "images/article-826x550/resignation-letter-ne.jpg" ["image_alt"]=> string(11) "resignation" } [5]=> object(stdClass)#8102 (57) { ["id"]=> int(18325) ["title"]=> string(57) "The ATO will be focusing on these four issues at tax time" ["alias"]=> string(57) "the-ato-will-be-focusing-on-these-four-issues-at-tax-time" ["introtext"]=> string(111) "

The tax office has indicated it will be scrutinising areas where taxpayers are known to make mistakes.

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The ATO has confirmed it will be focusing on four key areas this tax time to make sure that there is an “appropriate level of scrutiny” on the reporting of deductions and income.

recordkeeping, work-related expenses, capital gains from crypto, property and shares, and rental property income and deductions are the four stated priorities of the tax office this year.

“The ATO is targeting problem areas where we see people making mistakes,” ATO assistant commissioner Tim Loh said.

Aussies who deliberately try to increase their tax refund, falsify records or cannot substantiate their claims are set to face firm action according to the ATO.

“We know there is still some weeks left until tax time, but if you start organising the income and deductions records you’ve kept throughout the year, this will guarantee you a smoother tax time and ensure you claim the deductions you are entitled to,” said Mr Loh.

With the ongoing prevalence of hybrid working, the ATO indicated that it expected to see a reduction in car, clothing and other work-related expenses including parking and tolls for those who have continued to work from home.

Taxpayers are able to claim a deduction for work from home expenses using either the shortcut, fixed rate and actual cost methods but must ensure they meet the appropriate eligibility and recordkeeping requirements.

“Each individual’s work-related expenses are unique to their circumstances. If your working arrangements have changed, don’t just copy and paste your prior year’s claims,” warned Mr Loh.

“If your expense was used for both work-related and private use, you can only claim the work-related portion of the expense. For example, you can’t claim 100 per cent of mobile phone expenses if you use your mobile phone to ring mum and dad.”

For taxpayers who have disposed of an asset this financial year, including property, shares or crypto, the ATO said that they need to calculate a capital gain or capital loss and then include this in their tax return.

Particular emphasis was placed on crypto-assets including non-fungible tokens (NFTs).

“Crypto is a popular type of asset and we expect to see more capital gains or capital losses reported in tax returns this year. Remember you can’t offset your crypto losses against your salary and wages” Mr Loh noted.

“Through our data collection processes, we know that many Aussies are buying, selling or exchanging digital coins and assets so it’s important people understand what this means for their tax obligations.”

Research has found that around 5 per cent of Aussies now own at least one cryptocurrency, however many have not thought about how these investments affect them at tax time.

Finally, the ATO said that rental property owners must make sure they include all the income they have received from the rental property in their returns.

This includes short-term rental arrangements, insurance payouts and rental bond money that has been retained.

“We know a lot of rental property owners use a registered tax agent to help with their tax affairs. I encourage you to keep good records, as all rental income and deductions need to be entered manually, you can ask your registered tax agent for assistance,” said Mr Loh.

“If we do notice a discrepancy, it may delay the processing of your refund as we may contact you or your registered tax agent to correct your return. We can also ask for supporting documentation for any claim that you make after your notice of assessment issues.”

The ATO indicated that a rush of tax returns lodged in July often resulted in many mistakes when taxpayers have failed to include interest, dividends and payments from government agencies and private health insurers.

Pre-filled information is typically available by the end of July for most Aussies, which the ATO said can help make the process smoother while also saving time.

“You can check if your employer has marked your income statement as ‘tax ready’ as well as if your pre-fill is available in myTax before you lodge. That way, an amendment doesn’t need to be made later, which could result in delays to your refund,” noted Mr Loh.

“While we receive and match a lot of information on rental income, foreign sourced income and capital gains events involving shares, crypto-assets or property, we don’t pre-fill all of that information for you.”

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The tax office has indicated it will be scrutinising areas where taxpayers are known to make mistakes.

Write comment (0 Comments) " ["jcfields"]=> array(9) { [1]=> object(stdClass)#8844 (33) { ["id"]=> int(1) ["title"]=> string(17) "Automatic tagging" ["name"]=> string(17) "automatic-tagging" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2018-08-29 05:26:30" ["created_user_id"]=> int(2355) ["ordering"]=> int(-1) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#8626 (3) { ["data":protected]=> object(stdClass)#8593 (1) { ["options"]=> object(stdClass)#8590 (2) { ["options0"]=> object(stdClass)#8615 (2) { ["name"]=> string(3) "Yes" ["value"]=> string(1) "1" } ["options1"]=> object(stdClass)#8592 (2) { ["name"]=> string(2) "No" ["value"]=> string(1) "0" } } } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#8627 (3) { ["data":protected]=> object(stdClass)#8594 (6) { ["hint"]=> string(0) 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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)#8591 (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)#8647 (3) { ["data":protected]=> object(stdClass)#8797 (1) { ["relative"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#8644 (3) { ["data":protected]=> object(stdClass)#8703 (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)#8845 (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)#8798 (3) { ["data":protected]=> object(stdClass)#8674 (1) { ["relative"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#8714 (3) { ["data":protected]=> object(stdClass)#8796 (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)#8846 (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)#8786 (3) { ["data":protected]=> object(stdClass)#8692 (2) { ["filter"]=> string(0) "" ["maxlength"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#8795 (3) { ["data":protected]=> object(stdClass)#8805 (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)#8847 (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)#8769 (3) { ["data":protected]=> object(stdClass)#8803 (2) { ["filter"]=> string(0) "" ["maxlength"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#8595 (3) { ["data":protected]=> object(stdClass)#8801 (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)#8851 (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)#8804 (3) { ["data":protected]=> object(stdClass)#8789 (1) { ["options"]=> object(stdClass)#8775 (2) { ["options0"]=> object(stdClass)#8799 (2) { ["name"]=> string(8) "Inactive" ["value"]=> string(1) "0" } ["options1"]=> object(stdClass)#8787 (2) { ["name"]=> string(6) "Active" ["value"]=> string(1) "1" } } } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#8802 (3) { ["data":protected]=> object(stdClass)#8794 (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)#8848 (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)#8800 (3) { ["data":protected]=> object(stdClass)#8823 (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)#8788 (3) { ["data":protected]=> object(stdClass)#8825 (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)#8849 (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)#8822 (3) { ["data":protected]=> object(stdClass)#8827 (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)#8824 (3) { ["data":protected]=> object(stdClass)#8829 (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(80) "/earn-money/tax-refund/the-ato-will-be-focusing-on-these-four-issues-at-tax-time" ["image"]=> string(44) "images/article-826x550/ATO-new-still2-ne.jpg" ["image_alt"]=> string(3) "ATO" } }