{"id":21070,"date":"2021-10-28T14:18:55","date_gmt":"2021-10-28T01:18:55","guid":{"rendered":"https:\/\/alternatefinance.co.nz\/?p=21070"},"modified":"2023-02-01T14:28:26","modified_gmt":"2023-02-01T01:28:26","slug":"cremation-costs","status":"publish","type":"post","link":"https:\/\/alternatefinance.co.nz\/cremation-costs\/","title":{"rendered":"Cremation Costs"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_65 counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #ffffff;color:#ffffff\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #ffffff;color:#ffffff\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/alternatefinance.co.nz\/cremation-costs\/#Who_pays_for_your_funeral\" title=\"Who pays for your funeral?\">Who pays for your funeral?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/alternatefinance.co.nz\/cremation-costs\/#Savings\" title=\"Savings\">Savings<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/alternatefinance.co.nz\/cremation-costs\/#Insurance_policy\" title=\"Insurance policy\">Insurance policy<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/alternatefinance.co.nz\/cremation-costs\/#Funeral_plan\" title=\"Funeral plan\">Funeral plan<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/alternatefinance.co.nz\/cremation-costs\/#Funeral_loans\" title=\"Funeral loans\">Funeral loans<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/alternatefinance.co.nz\/cremation-costs\/#State_assistance\" title=\"State assistance\">State assistance<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/alternatefinance.co.nz\/cremation-costs\/#Cost_of_funerals_in_NZ\" title=\"Cost of funerals in NZ\">Cost of funerals in NZ<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/alternatefinance.co.nz\/cremation-costs\/#Cremation\" title=\"Cremation\">Cremation<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/alternatefinance.co.nz\/cremation-costs\/#Burial\" title=\"Burial\">Burial<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/alternatefinance.co.nz\/cremation-costs\/#Additional_expenses\" title=\"Additional expenses\">Additional expenses<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/alternatefinance.co.nz\/cremation-costs\/#WINZ_funeral_grant\" title=\"WINZ funeral grant\">WINZ funeral grant<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/alternatefinance.co.nz\/cremation-costs\/#Eligibility_for_a_WINZ_funeral_grant\" title=\"Eligibility for a WINZ funeral grant\">Eligibility for a WINZ funeral grant<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/alternatefinance.co.nz\/cremation-costs\/#Income_restrictions\" title=\"Income restrictions\">Income restrictions<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/alternatefinance.co.nz\/cremation-costs\/#Asset_limits\" title=\"Asset limits\">Asset limits<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/alternatefinance.co.nz\/cremation-costs\/#Applying_for_a_funeral_grant\" title=\"Applying for a funeral grant\">Applying for a funeral grant<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/alternatefinance.co.nz\/cremation-costs\/#Help_is_at_hand\" title=\"Help is at hand\">Help is at hand<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/alternatefinance.co.nz\/cremation-costs\/#Conclusion\" title=\"Conclusion\">Conclusion<\/a><\/li><\/ul><\/nav><\/div>\n\n<p>The subject of death is not one you would choose to discuss around the dinner table, let alone the cost of funerals in NZ. Whether looking at the price of burial or cremation, there are many different factors to consider. You will also come across the work and income New Zealand funeral grant, otherwise known as the WINZ funeral grant, which can help with funeral costs.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Who_pays_for_your_funeral\"><\/span>Who pays for your funeral?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>In a perfect world, we would all have the necessary funds available or insurance to cover the cost of our funeral. However, at a difficult time, your family and friends will be grieving, and the added pressure of funding a funeral can often be too much to take. So before we look at the costs of funerals in NZ, we will take a look at the different ways in which the cost can be covered.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Savings\"><\/span>Savings<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Many people try to put away a little extra each month in the hope of covering their funeral, any other expenses and to leave gifts for friends and family on their passing. But, unfortunately, as the cost of living continues to rise and spare funds are often scarce, this is not always possible.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Insurance_policy\"><\/span>Insurance policy<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Life insurance is another popular way of ensuring your cremation\/burial costs will be covered on your death. If this is a path down which you decide to go, it is essential to review the cost regularly. You may need to adjust your insurance policy which may mean higher premiums.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Funeral_plan\"><\/span>Funeral plan<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Over the years, we have seen growing demand for funeral plans. These plans, similar to insurance policies, allow you to pay off the cost of your funeral each month. However, the funds are kept separately from the companies offering this service, as a means of protecting your capital, with the cost of funeral services often capped.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Funeral_loans\"><\/span>Funeral loans<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>There will be occasions where individuals have no savings, assets or insurance policies to cover the cost of their cremation. In addition, while the executors of the deceased estate are often responsible for funding the cost of cremation, funds may not always be available. Consequently, we have seen an increase in demand for <a href=\"https:\/\/alternatefinance.co.nz\/loan\/funeral-loans\/\" target=\"_blank\" rel=\"noreferrer noopener\">funeral loans<\/a> which can be supplementary to additional assistance from the likes of WINZ.<\/p>\n\n\n\n<p>Upon the death of an individual, it can take some time for the deceased\u2019s estate to be settled and funds released. Consequently, many will choose a short-term funeral loan as a means of bridging this gap before paying off the loan when the estate has been settled.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"State_assistance\"><\/span>State assistance<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>As we will cover later in this article, there is state assistance available for those with limited or no funds to cover the cost of cremation. The WINZ funeral grant is designed to help those struggling financially. There are various criteria, and the total cost of cremation and funeral will not be included, but it does offer valuable assistance.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"960\" height=\"540\" src=\"https:\/\/alternatefinance.co.nz\/wp-content\/uploads\/2021\/11\/54.jpg\" alt=\"\" class=\"wp-image-23512\" srcset=\"https:\/\/alternatefinance.co.nz\/wp-content\/uploads\/2021\/11\/54.jpg 960w, https:\/\/alternatefinance.co.nz\/wp-content\/uploads\/2021\/11\/54-300x169.jpg 300w, https:\/\/alternatefinance.co.nz\/wp-content\/uploads\/2021\/11\/54-768x432.jpg 768w\" sizes=\"(max-width: 960px) 100vw, 960px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Cost_of_funerals_in_NZ\"><\/span>Cost of funerals in NZ<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>While we have seen numerous attempts to control the ever-rising cost of cremations and funerals, this is often to no avail. Many people are now forced to consider a no-frills funeral, giving them the dignity of a cremation but no traditional celebration of their life. We will now look at the cost of funerals in NZ, including cremation, burial, and additional expenses.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Cremation\"><\/span>Cremation<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>When you consider that a no-frills cremation will still cost you around $4000, this put everything into perspective. If you require a funeral on top of the cremation, you could be looking at more than $10,000. While a lot of people will struggle to afford a full funeral, many feel it is the only option when looking to pay respects to family and friends.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Burial\"><\/span>Burial<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>The cost of a burial in New Zealand is even greater because you will need to acquire a cemetery plot from the local authority. The cost of single and double plots will be upwards of $2000, dependent upon the local authority. When you consider the additional costs associated with a traditional funeral, you could be looking at $15,000 upwards.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Additional_expenses\"><\/span>Additional expenses<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Only when you sit down to research the additional expenses associated with a traditional funeral, do you begin to understand the cost entirely. Other fees will include:-<\/p>\n\n\n\n<p>\u2022 Transport for mourners<br>\u2022 Catering<br>\u2022 Room hire<br>\u2022 Flowers<br>\u2022 Obituary<br>\u2022 Chapel of rest<br>\u2022 Urn\/casket<br>\u2022 Crematorium\/church<\/p>\n\n\n\n<p>This is just an example of some of the expenses associated with the cost of funerals in NZ. Of course, there are base expenses such as the cremation cost, but for many, it is the additional extras they find difficult to fund.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"WINZ_funeral_grant\"><\/span>WINZ funeral grant<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>The work and income department (WINZ) offers a funeral grant system to help with funeral costs when someone dies. While there are several aspects to consider and conditions that need to be met, the <a href=\"https:\/\/www.workandincome.govt.nz\/products\/a-z-benefits\/funeral-grant.html\" target=\"_blank\" rel=\"noreferrer noopener\">WINZ funeral grant<\/a> is an invaluable service.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Eligibility_for_a_WINZ_funeral_grant\"><\/span>Eligibility for a WINZ funeral grant<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>You may be eligible for a funeral grant when someone dies if you are:-<\/p>\n\n\n\n<p>\u2022 A partner<br>\u2022 Child<br>\u2022 Parent\/guardian (for those over 18)<\/p>\n\n\n\n<p>Unfortunately, some people will die with no family to organise their cremation. Consequently, if you are not family but arranging a funeral on behalf of someone aged 18 or over, you may be eligible for financial assistance.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Income_restrictions\"><\/span>Income restrictions<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>There are income restrictions when looking to cover the cost of cremation or burial via the WINZ funeral grant system. If you are the deceased person&#8217;s partner you will only be eligible if you have annual income below the following thresholds:-<\/p>\n\n\n\n<p><strong>Individual <\/strong><\/p>\n\n\n\n<p>16 to 17 years of age with no children &#8211; <strong>Annual income before tax $26,749.32<\/strong><br>18+ years with no children &#8211; <strong>Annual income before tax $30,742.40<\/strong><br>A parent with one child &#8211; <strong>Annual income before tax $37,304.80<\/strong><br>A parent with two or more children &#8211; <strong>Annual income before tax $39,302.64<\/strong><\/p>\n\n\n\n<p>The income threshold for a deceased person\u2019s parent\/guardian is as follows:-<\/p>\n\n\n\n<p><strong>Individual <\/strong><\/p>\n\n\n\n<p>Single, 16 to 17 years with no other children &#8211; <strong>Annual income before tax $26,749.32<\/strong><br>Single, 18+ years with no other children &#8211; <strong>Annual income before tax $30,742.40<\/strong><br>Married, in a civil union or de facto relationship, with or without children &#8211; <strong>Annual income before tax $44,653.44<\/strong><br>Single with one other child &#8211; <strong>Annual income before tax $37,304.80<\/strong><br>Single with two or more other children &#8211; <strong>Annual income before tax $39,302.64<\/strong><\/p>\n\n\n\n<p>Unless your income is below the appropriate threshold, it is unlikely that you will qualify for a WINZ funeral grant.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Asset_limits\"><\/span>Asset limits<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>The eligibility factor will also include the assets of the deceased person and their partner, parent or guardian. Thankfully, there are several personal and family assets that will not be included when assessing eligibility.<\/p>\n\n\n\n<p>The authorities will then compare the value of assets available to the total funeral expenses. Traditional expenses with this system take into account:-<\/p>\n\n\n\n<p>\u2022 Casket<br>\u2022 Public notice<br>\u2022 Hearse fees<br>\u2022 Burial plot<br>\u2022 Cremation fees<br>\u2022 Professional undertaker services<\/p>\n\n\n\n<p>This information is used to calculate the amount of funding provided by the WINZ funeral grant. The maximum grant is $2152.66, less certain assets. For example:-<\/p>\n\n\n\n<p><strong>Funeral: <\/strong>$2500<br><strong>Assets available: <\/strong>$1500<br><strong>Shortfall:<\/strong> $1000<\/p>\n\n\n\n<p>In this scenario, the authorities would provide finance of $1000 to cover the shortfall between the available assets and the funeral cost. However, the situation is a little different for the deceased person&#8217;s partner, parent or guardian. In this scenario, the first $1876.56 of their assets would not be included in the funding calculation.<\/p>\n\n\n\n<p>Carrying on from the above calculation, if we assume that the surviving partner or their parent\/guardian had assets of $2500, the situation would be as follows:-<\/p>\n\n\n\n<p><strong>Additional assets available: <\/strong>$2500<br><strong>Allowance:<\/strong> $1876.56<br><strong>Assets included in calculation:<\/strong> $644.85<\/p>\n\n\n\n<p>Consequently, the revised calculation would be as follows:-<\/p>\n\n\n\n<p><strong>Funeral: <\/strong>$2500<br><strong>Combined assets: <\/strong>$2144.85 ($1500 + $644.85)<br><strong>Shortfall:<\/strong> $355.15<\/p>\n\n\n\n<p>In this example, the authorities would provide an additional $355.15 to make up the shortfall between assets included and the funeral cost.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"960\" height=\"540\" src=\"https:\/\/alternatefinance.co.nz\/wp-content\/uploads\/2021\/11\/55.jpg\" alt=\"\" class=\"wp-image-23514\" srcset=\"https:\/\/alternatefinance.co.nz\/wp-content\/uploads\/2021\/11\/55.jpg 960w, https:\/\/alternatefinance.co.nz\/wp-content\/uploads\/2021\/11\/55-300x169.jpg 300w, https:\/\/alternatefinance.co.nz\/wp-content\/uploads\/2021\/11\/55-768x432.jpg 768w\" sizes=\"(max-width: 960px) 100vw, 960px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Applying_for_a_funeral_grant\"><\/span>Applying for a funeral grant<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>When applying for a funeral grant, you will need to provide an array of documentation such as:-<\/p>\n\n\n\n<p>\u2022 Death certificate<br>\u2022 An itemised list of funeral expenses<br>\u2022 Proof of identity<br>\u2022 List of assets<br>\u2022 Confirmation of income<\/p>\n\n\n\n<p>As the cost of a funeral in New Zealand is probably a lot more expensive than you first thought, many people now depend upon the WINZ funeral grant system.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Help_is_at_hand\"><\/span>Help is at hand<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Whether looking for a funeral loan or eligible for state assistance, or both, there is help available in your darkest hour. Unfortunately, even though most people try to leave sufficient funds to cover the cost of their funeral, this is not always possible.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span>Conclusion<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Even though cremation funeral expenses are usually significantly less than a burial, they still start at $4000. When you add in the array of additional charges, overall costs can often exceed $10,000 if you want a complete funeral. Thankfully, the WINZ funeral grant is in place for eligible applicants struggling to bury a loved one, family member or friend. Amidst the grief of losing a loved one, you need to take advice regarding funeral expenses and your eligibility for financial assistance.<\/p>\n\n\n\n<p>It is important to note that while <a href=\"https:\/\/alternatefinance.co.nz\/loan\/funeral-loans\/\" target=\"_blank\" rel=\"noreferrer noopener\">funeral loans<\/a> are available, they will be credit checked as Alternate Finance is a responsible lender. Those ineligible for a commercial funeral loan will likely be eligible for government assistance.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>The subject of death is not one you would choose to discuss around the dinner table, let alone the cost of funerals in NZ. Whether looking at the price of burial or cremation, there are many different factors to consider. You will also come across the work and income New Zealand funeral grant, otherwise known&hellip;<\/p>\n","protected":false},"author":9,"featured_media":23511,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_seopress_robots_primary_cat":"none","_seopress_titles_title":"","_seopress_titles_desc":"The subject of death is not one you would choose to discuss around the dinner table, let alone the cost of funerals in NZ. ","_seopress_robots_index":"","inline_featured_image":false,"footnotes":""},"categories":[11,8,7],"tags":[],"acf":[],"_links":{"self":[{"href":"https:\/\/alternatefinance.co.nz\/wp-json\/wp\/v2\/posts\/21070"}],"collection":[{"href":"https:\/\/alternatefinance.co.nz\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/alternatefinance.co.nz\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/alternatefinance.co.nz\/wp-json\/wp\/v2\/users\/9"}],"replies":[{"embeddable":true,"href":"https:\/\/alternatefinance.co.nz\/wp-json\/wp\/v2\/comments?post=21070"}],"version-history":[{"count":0,"href":"https:\/\/alternatefinance.co.nz\/wp-json\/wp\/v2\/posts\/21070\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/alternatefinance.co.nz\/wp-json\/wp\/v2\/media\/23511"}],"wp:attachment":[{"href":"https:\/\/alternatefinance.co.nz\/wp-json\/wp\/v2\/media?parent=21070"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/alternatefinance.co.nz\/wp-json\/wp\/v2\/categories?post=21070"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/alternatefinance.co.nz\/wp-json\/wp\/v2\/tags?post=21070"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}