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In an era where the click of a button can lead to monetary gain, the internet has become a bustling marketplace for those looking to supplement their income. However, where there is opportunity, there are also opportunists ready to take advantage of the unwary.

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Australians looking to navigate the world of online money-making must be vigilant to steer clear of scams. Here’s how to identify potential scams and protect yourself from becoming a victim.

Navigating online money-making: Scams to avoid

1. Investment schemes

Phoney investment schemes are rampant online. They promise high returns with little to no risk, often involving cryptocurrencies or ’revolutionary’ trading software. They may pressure you to act quickly or promise guaranteed returns. Remember, if an investment opportunity sounds too good to be true, it probably is.

2. Phishing scams

Phishing scams lure you into providing personal and banking information under the guise of reputable organisations. Always verify the source before clicking on links in emails or messages. A legitimate business will never ask for your password or bank details via email.

3. Pyramid schemes

These schemes are cleverly disguised as multi-level marketing (MLM) opportunities. They rely on recruiting more people to invest in the program rather than selling an actual product or service. If the focus is more on recruitment than sales, steer clear.

4. ‘Get rich quick’ schemes

Online courses or programs that claim to teach you how to become wealthy in a very short time are usually suspect. These often involve a substantial upfront fee and provide little to no value in return.

5. Mystery shopping

While there are legitimate mystery shopping jobs, scammers often use this ploy to trick people. They might send a cheque, ask you to cash it, and then use some of that money to ’test’ a money transfer service. The cheque will eventually bounce, leaving you out of pocket.

6. Online surveys and task completion

There are genuine websites that pay for completing surveys or tasks, but some are scams that either don’t pay out or require you to pay for membership. Research and read reviews before committing your time and personal details.

How to avoid online money-making scams

Do your homework

Research is your best defence. Before investing time or money, do a thorough check of the company or offer. Search for reviews and complaints online, and check with official regulators like ASIC to confirm legitimacy.

Secure your personal information

Be cautious about sharing personal information. Use strong, unique passwords for different sites, and enable two-factor authentication where possible. Keep your computer’s antivirus software up to date.

Understand the offer

Make sure you fully comprehend the terms and conditions of any online money-making venture. Be wary of complex jargon or convoluted explanations designed to confuse and mislead.

Trust your instincts

If something feels off, trust your gut. Scammers often use high-pressure tactics to push you into making decisions without giving you time to think or ask questions.

Report suspicious activity

If you come across a potential scam, report it to the ACCC through the Scamwatch website. Your report could help others avoid being scammed.

---

The allure of easy money can be tempting, but the internet is a minefield of scams that prey on hopeful money-makers. By remaining informed and cautious, you can navigate through dubious offers and find legitimate ways to earn money online.

Always remember, when it comes to online money-making, if it seems too easy, too fast, or too good, it warrants a closer look. Stay vigilant and keep your wits about you to ensure your online endeavours lead to legitimate gains, not losses.

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In an era where the click of a button can lead to monetary gain, the internet has become a bustling marketplace for those looking to supplement their income. However, where there is opportunity, there are also opportunists ready to take advantage of the unwary.

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string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } } ["link"]=> string(63) "/save-money/scams/navigating-online-money-making-scams-to-avoid" ["image"]=> string(137) "https://res.cloudinary.com/momentum-media-group-pty-ltd/image/upload/v1701068759/Navigating_online_money-making_scams_to_avoid_rere6i.png" ["image_alt"]=> string(0) "" } [1]=> object(stdClass)#8842 (57) { ["id"]=> int(18297) ["title"]=> string(63) "Cyber criminals using interest rates as bait to trick customers" ["alias"]=> string(62) "cybercriminals-using-interest-rates-as-bait-to-trick-customers" ["introtext"]=> string(321) "

If you’ve ever found yourself on the receiving end of a suspicious phone call, e-mail or text message claiming to be from a major bank and demanding your details, you’re not alone – and experts are warning everyone to be on the lookout for fraudsters posing as banks offering information on interest rates.

" ["fulltext"]=> string(2429) "

Bogus but alarmingly convincing communications from cyber criminals pretending to be a widely recognised financial institution has become a major problem, reportedly costing the economy $33 billion in self-reported losses in 2020-21, according to the Australian Signals Directorate (ASD).

But financial experts are warning that cyber crime could become an even bigger headache for banks and potential victims alike following the Reserve Bank of Australia’s (RBA) recent decision to raise interest rates.

According to GBG solutions consultant Alex Cherniakov, fraudsters are at the ready to pounce on consumers at their most vulnerable or those expecting some kind of change to their financial situation.

“As more banks and financial institutions communicate changes related to the cost of servicing and interest rates in the coming weeks, scammers around the world will be looking to take advantage of this by impersonating banks, encouraging consumers to click on malicious links, and convincing consumers to share personal and banking information,” Mr Cherniakov said.

He warned Australians to “remain vigilant” as there will almost certainly be a rise in scams and fraud related to interest rates and repayment changes over the next few months.

Hoping to ensure Australian banking customers are aware of the potential risks in communicating with crafty scammers, Mr Cherniakov offered some common sense advice to help them avoid the ordeal of being swindled.

“Make sure you are only sharing information with trusted parties, never interact with a text, email, or unsolicited phone call,” Mr Cherniakov said.

He warned not to forget the basics such as maintaining strong passwords and using two-factor authentication.

Australia’s major banks have also offered warnings on their websites, including the Commonwealth Bank (CBA), which routinely reports phishing and investment scams.

Other major banks, including NAB, ANZ and Westpac also feature similar alert pages and forms to report suspicious activity.

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If you’ve ever found yourself on the receiving end of a suspicious phone call, e-mail or text message claiming to be from a major bank and demanding your details, you’re not alone – and experts are warning everyone to be on the lookout for fraudsters posing as banks offering information on interest rates.

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A nationwide crackdown on incidents of fraud involving the creation of fake businesses to scam GST refunds from the federal government has led to the Australian Taxation Office (ATO) firmly warning Australians not to engage with these shady businesses.

" ["fulltext"]=> string(2264) "

The ATO claims that $850 million is being spruiked on social media, and has launched Operation Protego, which is probing potentially fraudulent payments made to about 40,000 Australians who have each claimed on average around $20,000.

According to the ATO, the scam involved offenders setting up sham businesses and ABN applications, then submitting bogus Business Activity Statements to receive a false GST refund.

The ATO said it’s presently working with banks, the Reserve Bank (RBA) and an AUSTRAC-led collaboration between law enforcement and financial industry bodies to crack down on the organised scam.

ATO deputy commissioner and chief of the serious financial crime taskforce, Will Day, said that information on how to attempt the fraud is being shared online including via social media platforms.

“We are working with social media platforms to help remove content promoting this fraud, but if you see something that sounds too good to be true, it probably is” Mr Day said.

He warned that the people who have participated in this fraud are “not anonymous”.

“We know who they are, and we will be taking action."

He urged anyone involved to “face the music” and come forward now rather than face even tougher consequences later, including penalties and criminal charges.

“Unfortunately, as we take action to protect revenue, some legitimate taxpayers may find they have to take extra steps to receive their legitimate refunds as we have put extra controls in place as a result of this fraud. But we must emphasise that the fraudsters are not real or legitimate small businesses” Mr Day said.

“People who have participated in this fraud may have unwittingly followed advice they have read online, claiming to help access a loan from the ATO, or receive other financial government support such as a disaster payment."

“However, for others, there was nothing accidental or unintentional about setting up a fake business in their own name and seeking an unearned refund."

“Circumstances where there were deliberate attempts to defraud the ATO or a refusal to organise repayments will lead to tougher actions including criminal action.”

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• Yes

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A nationwide crackdown on incidents of fraud involving the creation of fake businesses to scam GST refunds from the federal government has led to the Australian Taxation Office (ATO) firmly warning Australians not to engage with these shady businesses.

Write comment (0 Comments) " ["jcfields"]=> array(9) { [1]=> object(stdClass)#9365 (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)#9043 (3) { ["data":protected]=> object(stdClass)#8859 (1) { ["options"]=> object(stdClass)#8861 (2) { ["options0"]=> object(stdClass)#8862 (2) { ["name"]=> string(3) "Yes" ["value"]=> string(1) "1" } ["options1"]=> object(stdClass)#8860 (2) { ["name"]=> string(2) "No" ["value"]=> string(1) "0" } } } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#9042 (3) { ["data":protected]=> object(stdClass)#8857 (6) { ["hint"]=> string(0) 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string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } } ["link"]=> string(65) "/save-money/scams/ato-cracks-down-on-850m-gst-fake-business-fraud" ["image"]=> string(43) "images/article-826x550/Hacker-hoodie_NE.jpg" ["image_alt"]=> string(48) "ATO cracks down on $850m GST fake business fraud" } [3]=> object(stdClass)#8840 (57) { ["id"]=> int(18270) ["title"]=> string(58) "Crackdown sees more than half a billion scam calls blocked" ["alias"]=> string(58) "crackdown-sees-more-than-half-a-billion-scam-calls-blocked" ["introtext"]=> string(120) "

Initiatives by telcos and the ACMA have also led to a 95 per cent reduction in reports of mobile porting fraud.

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More than 549 million scam phone calls have been blocked since the introduction of new rules for telcos in late 2020, according to the data from the Australian Communications and Media Authority (ACMA).

The Reducing Scam Calls Code is among the initiatives developed by ACMA and the telecommunications industry in response to the agency’s Combating Scams Action Plan.

The code requires telcos to detect, trace and block scam calls as well as publish information to assist their customers manage and report scam calls, share information with other telcos and report identified scam calls to authorities or face penalties of up to $250,000.

“Every scam call that doesn’t reach a consumer is a good outcome, and every initiative that helps disrupt scammers makes Australia a harder target and increases confidence in our telecommunications services,” ACMA chair Nerida O’Loughlin said on Tuesday.

Research conducted by ACMA last year found that 98 per cent of Aussie adults have received unsolicited communications on their phone.

Around 86 per cent of Aussies said that they received scam calls and four out of ten said they received these calls on at least a weekly basis.

In the first quarter of this year, scam call complaints were down by 70 per cent for ACMA and 49 per cent for the Australian Competition and Consumer Commission’s Scamwatch.

“We will be actively monitoring to see if this trend continues. Given the agility of scammers, we need to exercise some caution about shorter-term trends,” Ms O’Loughlin noted.

New rules introduced in mid-2020 have also resulted in a 95 per cent decrease in reports of mobile porting fraud, with ACMA anticipating a similar reduction in SIM-swap scams when new rules come into effect on 30 June.

Scamwatch reported that financial losses associated with phone scams increased by 61 per cent in the first quarter of 2022 compared to a year earlier, rising from about $20 million to $33 million.

Ms O’Loughlin said that the industry needed to prioritise the development of new rules to block SMS scams following a 331 per cent increase in financial losses during the first three months of the year to over $4 million.

She also called on the telco industry and the financial sector to work together to share data, and said that telcos needed to continue to build their capability to identify and block scams and provide more information to their customers about how to identify and stop scam calls.

“Combating scams is a seriously challenging business, and while we are having some wins, set-and-forget industry efforts and regulatory obligations are not going to effectively address the problem,” said Ms O’Loughlin.

“It is only by continued strong collaboration across government, the telco industry, the financial sector that we will keep succeeding.”

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• Yes

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Initiatives by telcos and the ACMA have also led to a 95 per cent reduction in reports of mobile porting fraud.

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string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } } ["link"]=> string(76) "/save-money/scams/crackdown-sees-more-than-half-a-billion-scam-calls-blocked" ["image"]=> string(49) "images/article-826x550/scam-unknown-caller-ne.jpg" ["image_alt"]=> string(10) "scam calls" } [4]=> object(stdClass)#8839 (57) { ["id"]=> int(18243) ["title"]=> string(49) "Be wary when applying for a TFN or ABN, ATO warns" ["alias"]=> string(48) "be-wary-when-applying-for-a-tfn-or-abn-ato-warns" ["introtext"]=> string(118) "

The tax office said that scams involving TFN and ABN applications are on the rise in the lead up to tax time.

" ["fulltext"]=> string(3270) "

Taxpayers have been warned to be on the lookout for fake websites that purport to provide tax file numbers (TFN) and Australian business numbers (ABN).

The ATO said that it had seen an increase in scams involving fake services that offer to obtain a TFN or an ABN for a fee but do not actually provide the promised service.

Instead, these scams, which are often advertised on social media, steal both money and personal information from affected individuals.

“We are concerned about a recent increase in the number of victims reporting scams around TFN and ABN applications,” said ATO assistant commissioner Tim Loh.

“We are also still seeing scammers impersonating the ATO, making threats, demanding the payment of fake tax debts or claiming a TFN has been ‘suspended’ due to fraud.”

More than 50,000 people reported ATO impersonation scams during 2021 alone with victims losing over $800,000 in total.

The ATO noted that it was “free, quick and easy” for individuals to apply for a TFN via its own website and to apply for an ABN through the Australian Business Register.

Additionally, the tax office said that those who apply for a TFN or ABN through a tax agent should ensure that the tax agent is registered with the Tax Practitioners Board.

“Scammers are constantly developing new ways to target the community, and we expect to see more of these malicious attempts to steal identity details in the lead up to tax time,” said Mr Loh.

“We are encouraging everyone to be on alert and take the time to remind family and friends to be on the lookout and stay safe online, so you don’t fall victim to a scam this tax time.”

To avoid scammers, the ATO urged taxpayers to know their tax affairs and check whether they have a legitimate debt by logging into myGov or calling their tax agent.

Individuals should ensure that the website or phone number is accurate and legitimate and not engage with any call, text or email that they are uncertain about.

This includes only giving out personal and financial information to trusted people and remaining careful when clicking on links, downloading files or opening attachments.

The ATO said that taxpayers should also understand the legitimate ways to make payments, as scammers can lure victims into paying fake debts via unusual methods such as gift cards or bank accounts that are not linked to the tax office.

Anyone who believes they or someone they know may have fallen victim to a scam should contact the ATO as soon as possible via 1800 008 540 or the ATO’s website.

The ABS previously reported that more than 723,000 people, or 3.6 per cent of the population, experienced some type of scam during the 2020-21 financial year.

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• Yes

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The tax office said that scams involving TFN and ABN applications are on the rise in the lead up to tax time.

Write comment (0 Comments) " ["jcfields"]=> array(9) { [1]=> object(stdClass)#9387 (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)#9043 (3) { ["data":protected]=> object(stdClass)#8859 (1) { ["options"]=> object(stdClass)#8861 (2) { ["options0"]=> object(stdClass)#8862 (2) { ["name"]=> string(3) "Yes" ["value"]=> string(1) "1" } ["options1"]=> object(stdClass)#8860 (2) { ["name"]=> string(2) "No" ["value"]=> string(1) "0" } } } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#9042 (3) { ["data":protected]=> object(stdClass)#8857 (6) { ["hint"]=> string(0) 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The bank said it would block suspect transactions from overseas online retailers that are considered high-risk of being a scam.

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Westpac has announced it has begun automatically blocking online transactions from detected overseas retailers that are highly likely to be scammers.

A trial conducted by the bank last year involving diet pill retailers blocked more than 11,000 potential scams for 4,000 of its customers and saved over $1.2 million.

After expanding the scam blocks to more online retailers in January, Westpac said that it had stopped 69,000 more customers from losing over $6 million, or an average of $87 each.

“Online shopping scams are on the rise and we’re seeing more overseas retailers targeting Australians with false advertising for popular products like diet pills, supplements, dating subscriptions and business services,” said Westpac chief executive consumer & business banking Chris de Bruin.

“With our research showing these scams are costing Australians hundreds of millions each year, we’re ramping up our investment in technologies which will help detect scams and prevent customers getting swindled.”

Westpac estimated that expanding the block would stop an additional 2,000 of its customers each day losing a collective $120 million each year.

When the bank detects a scam following an online credit or debit card payment, it will automatically block the transaction and notify the affected customer by SMS.

If the customer believes the transaction is legitimate and wishes to proceed, they are able to contact Westpac’s scam assistance team.

However, the bank said that over 99 per cent of customers did not go ahead with transactions after receiving a scam alert.

“We want to help put a stop to online scams by blocking retailers who may be misrepresenting what they’re selling or duping Aussies into handing over money for products they’ll never receive,” said Westpac head of fraud Ben Young.

“The technology adds another layer of security for our customers shopping online and intervenes when they are making a purchase with a suspect retailer.”

Overseas online retailers are dynamically added and removed from Westpac’s high-risk lists based on analysis of transaction patterns and merchant behaviours as well as previous reports from its customers.

Westpac encouraged its customers to remain vigilant when shopping online and to contact the bank as soon as possible if they believe they have fallen victim to a scam.

“While scams are getting more sophisticated, so are the banks at detecting them, and we want scammers to know we are watching and taking action to protect our customers,” added Mr Young.

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The bank said it would block suspect transactions from overseas online retailers that are considered high-risk of being a scam.

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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)#9399 (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)#9029 (3) { ["data":protected]=> object(stdClass)#9019 (1) { ["relative"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#9022 (3) { ["data":protected]=> object(stdClass)#9027 (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)#9397 (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)#9026 (3) { ["data":protected]=> object(stdClass)#9024 (2) { ["filter"]=> string(0) "" ["maxlength"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#9025 (3) { ["data":protected]=> object(stdClass)#9053 (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)#9385 (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)#9021 (3) { ["data":protected]=> object(stdClass)#9055 (2) { ["filter"]=> string(0) "" ["maxlength"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#9052 (3) { ["data":protected]=> object(stdClass)#9057 (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)#9406 (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)#9054 (3) { ["data":protected]=> object(stdClass)#9062 (1) { ["options"]=> object(stdClass)#9060 (2) { ["options0"]=> object(stdClass)#9059 (2) { ["name"]=> string(8) "Inactive" ["value"]=> string(1) "0" } ["options1"]=> object(stdClass)#9061 (2) { ["name"]=> string(6) "Active" ["value"]=> string(1) "1" } } } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#9056 (3) { ["data":protected]=> object(stdClass)#9064 (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)#9302 (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)#9058 (3) { ["data":protected]=> object(stdClass)#9066 (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)#9063 (3) { ["data":protected]=> object(stdClass)#9068 (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)#9405 (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)#9065 (3) { ["data":protected]=> object(stdClass)#9070 (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)#9067 (3) { ["data":protected]=> object(stdClass)#9072 (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(69) "/save-money/scams/westpac-will-now-automatically-block-scam-purchases" ["image"]=> string(45) "images/article-826x550/Westpac_HQ_sign_ne.jpg" ["image_alt"]=> string(7) "Westpac" } }