{"id":30904,"date":"2023-04-04T05:11:55","date_gmt":"2023-04-04T12:11:55","guid":{"rendered":"https:\/\/alejandrorioja.com\/?p=30904"},"modified":"2023-09-27T06:27:53","modified_gmt":"2023-09-27T13:27:53","slug":"from-lending-to-saving-a-comprehensive-review-of-marcus","status":"publish","type":"post","link":"https:\/\/alejandrorioja.com\/from-lending-to-saving-a-comprehensive-review-of-marcus\/","title":{"rendered":"From Lending to Saving: A Comprehensive Review of Marcus"},"content":{"rendered":"\n<div class=\"wp-block-uagb-inline-notice uagb-inline_notice__align-left uagb-block-09b84dfd\"><h4 class=\"uagb-notice-title\">Summary<\/h4><div class=\"uagb-notice-text\">If you hope to get a better financial plan, you might want to look into an online bank I know: Marcus by Goldman Sachs.\u00a0<br>Marcus by Goldman Sachs offers competitive interest rates on its products, such as savings accounts and certificates of deposit. This online bank is convenient for a client like you as it provides straightforward design making navigating and managing your account a breeze.\u00a0<br>Marcus&#8217;s benefits, like no-fee savings accounts and personal loans, are a huge perk for its clientele. But Marcus may not be the best choice for you and everyone because of its drawbacks.\u00a0<br>Ultimately, Marcus is a good option if you search for a straightforward savings account or personal loan without hidden fees.<\/div><\/div>\n\n\n\n<p><em>Disclaimer: This post contains affiliate links in which I receive commissions. The reviews and opinions expressed in this article are my own.\u00a0<\/em><\/p>\n\n\n\n<p>The increasing popularity of online banking in past years can be attributed to its many advantages, including its accessibility, efficiency, and convenience.\u00a0<\/p>\n\n\n\n<p>With the proliferation of smartphones and the widespread availability of online banking, clients like you can take care of your financial affairs whenever and wherever you like.&nbsp;<\/p>\n\n\n\n<p>Also, with just a few simple clicks, clients of online banks may view their account balances, pay bills, make transfers, and even apply for loans.&nbsp;<\/p>\n\n\n\n<p>I trust that online banking may be your means if you want to save money and streamline your financial life because of its reduced fees and greater interest rates.<\/p>\n\n\n\n<p>Identical to Marcus by Goldman Sachs, an online-only bank that offers savings accounts, personal loans, and certificates of deposit, which I researched.&nbsp;<\/p>\n\n\n\n<p>The online-only bank Marcus was introduced in 2016 and has since garnered popularity because of its low-interest rates, straightforward platform, and absence of extra fees.&nbsp;<\/p>\n\n\n\n<p>In this post, I&#8217;ll review <a href=\"https:\/\/alejandrorioja.com\/recommends\/marcus\/\" target=\"_blank\" rel=\"noreferrer noopener\">Marcus by Goldman Sachs&#8217;s<\/a> features, benefits, and drawbacks so you can decide whether it&#8217;s the best option for your personal banking needs.<\/p>\n\n\n\n<figure class=\"wp-block-embed is-type-video is-provider-youtube wp-block-embed-youtube wp-embed-aspect-16-9 wp-has-aspect-ratio\"><div class=\"wp-block-embed__wrapper\">\n<div class=\"flex-video widescreen youtube\"><iframe loading=\"lazy\" title=\"The Marcus Online Savings Account | Marcus by Goldman Sachs\u00ae\" width=\"1170\" height=\"658\" src=\"https:\/\/www.youtube.com\/embed\/-g-NQ5uusW4?feature=oembed&showinfo=0&rel=0&modestbranding=1&iv_load_policy=3&playsinline=1&enablejsapi=1\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" allowfullscreen><\/iframe><\/div>\n<\/div><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">What Is An Online Savings Bank?<\/h2>\n\n\n\n<p>Online banking specifies that if you have a connection to the internet and a laptop, desktop, or other handheld devices, you can use banking online to handle your financial needs.&nbsp;<\/p>\n\n\n\n<p>There will be no in-person interactions with bank personnel, but your account is always accessible via your desktop, laptop, or other handheld devices.&nbsp;<\/p>\n\n\n\n<p>Bank transactions in an online bank can be completed whenever beneficial for a client like you, not just during regular office hours. In online banking, you can do almost anything you would do at a brick-and-mortar bank or credit union, from opening an account to paying bills.&nbsp;<\/p>\n\n\n\n<p>You can do your banking online through a dedicated online institution such as a credit union or bank or one of the many online services offered by traditional financial institutions.&nbsp;<\/p>\n\n\n\n<p>Typical banking services include making deposits, transferring money, applying for loans, paying bills, and viewing account history and balances.&nbsp;<\/p>\n\n\n\n<p>There are many online banking institutions out there, but <a href=\"https:\/\/alejandrorioja.com\/recommends\/marcus\/\" target=\"_blank\" rel=\"noreferrer noopener\">Marcus by Goldman Sachs<\/a> is what I believe is the best online bank I recommend to you. This is because, with this online bank, you may complete your financial transactions whenever it is most convenient for you, not only when the bank is open.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">What Is Marcus by Goldman Sachs?<\/h2>\n\n\n\n<p>Launched in 2016, Marcus is a new service provided by Goldman Sachs, a 154-year-old Wall Street investment bank.&nbsp;<\/p>\n\n\n\n<p>Marcus by Goldman Sachs, also known simply as &#8220;Marcus,&#8221; is an online bank that provides high-yield savings accounts, CDs without penalty fees, and no-charge personal loans.&nbsp;<\/p>\n\n\n\n<p>Personal loans are available through Marcus by Goldman Sachs, an online bank. You can utilize personal loans to consolidate higher-interest debt to fund much-needed home repairs and renovations.&nbsp;<\/p>\n\n\n\n<p>The only way to apply for a loan with this financial institution is via their website, as they have no physical offices.&nbsp; Sometimes, the approval process can take as little as five minutes.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Marcus by Goldman Sachs Offerings<\/h2>\n\n\n\n<p>Marcus by Goldman Sachs offers a limited selection of products available for you to acquire; nonetheless, the bank works hard to ensure that the products offered are outstanding from others. These products and services include:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">1. Savings<\/h3>\n\n\n\n<p>Marcus currently offers one type of regular bank account, a high-yield savings account. Yet, savers may get the most out of this account because no minimum deposit is required, no monthly maintenance cost, and a 3.75% APR.<\/p>\n\n\n\n<p>Compared to the average annual percentage yield (APY) of 0.37%, Marcus&#8217;s savings rate is significantly higher at 3.75%.&nbsp;<\/p>\n\n\n\n<p>There is no requirement for a starting balance or a maintenance charge, although the bank&#8217;s withdrawal possibilities are more limited than some competitors. But you can get your money by wire transfer, check, or transfer to an external account.&nbsp;<\/p>\n\n\n\n<p>Marcus allows $125,000 in same-day internet transfers to personal accounts outside of Marcus, provided the same person owns both accounts.&nbsp;<\/p>\n\n\n\n<p>You must work with a Marcus agent for transactions above $1 million on the same day. Direct deposits and transfers, domestic wire transfers, and mailed checks are all acceptable methods of depositing funds into the account.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">2. Three Type Of CDs<\/h3>\n\n\n\n<p>Marcus provides three Certificates of Deposit (CDs) to choose from: High-Yield, No-Penalty, and Rate Bump. With the possibility of converting to a higher rate, if available, throughout the CD&#8217;s term.&nbsp;<\/p>\n\n\n\n<p>More flexible term lengths (six months to seven years) are available in the High-Yield variant. The lowest opening deposit for any of these CDs is $500.<\/p>\n\n\n\n<p>There is a rate guarantee on the High-Yield CD for ten days. No matter the rate, if you open a CD and deposit $500 in 10 days, you&#8217;ll get the highest rate.<\/p>\n\n\n\n<p>In addition, investors in High-Yield CDs have 30 days from the account opening date to deposit the whole amount.<\/p>\n\n\n\n<p>You will be penalized if you withdraw funds from your High-Yield CD before its maturity date. For CDs with maturities of 12 months or less, the penalty is 90 days of interest. And for those of 12 months to five years, 180 days of interest, and those with maturities of more than five years, 270 days of interest.<\/p>\n\n\n\n<p>Although the interest rates on No-Penalty CDs are lower than those on High-Yield CDs. The principal on a No-Penalty CD can be withdrawn early without penalty as long as the CD has been funded for at least seven days.&nbsp;&nbsp;<\/p>\n\n\n\n<p>Nevertheless, you won&#8217;t be able to withdraw a certain amount from your penalty-free CD.<\/p>\n\n\n\n<p>It&#8217;s important to keep in mind when the CD you have will expire. If you don&#8217;t take action to remove the funds from your CD within ten days of the maturity date, your CD will be automatically renewed for another period by Marcus.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Marcus by Goldman Sachs Customer Support<\/h2>\n\n\n\n<p>Marcus customers must use the website, a smartphone app, or even the phone to get their money because the bank has no physical locations.&nbsp;<\/p>\n\n\n\n<p>Despite the lack of physical locations, Marcus provides several options for contacting customer service. The Frequently Asked Questions (FAQ) section of the Marcus by Goldman Sachs website gives detailed and understandable replies to various potential concerns.<\/p>\n\n\n\n<p>When customers log into their account on the Marcus website, they can access a live chat feature and phone support available seven days a week.&nbsp;<\/p>\n\n\n\n<p>Marcus is a digital-only bank with a feature-rich mobile app for both Apple and Google devices. The App Store rating for the iOS version is an impressive 4.8 stars, and the Android version is 4.5 stars.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Benefits Of Marcus By Goldman Sachs<\/h2>\n\n\n\n<p>Here are some benefits you\u2019ll get in joining Marcus by Goldman Sachs online bank.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">1. Uncomplicated Access To Your Money<\/h3>\n\n\n\n<p>Marcus savings account members can make free wire transfers to external accounts or ACH withdrawals to linked accounts online or over the phone.&nbsp;<\/p>\n\n\n\n<p>A cheque can be mailed to you if you prefer that withdrawal method.&nbsp;<\/p>\n\n\n\n<p>Money can be added to your account in various ways, including transfers, direct deposits, checks, wire transfers, and mobile check deposits.&nbsp;<\/p>\n\n\n\n<p>Incoming and outgoing transfers between linked accounts are free of charge at Marcus, but it&#8217;s important to remember that your other bank may impose fees. No limit on withdrawals or transfers can be made during a given statement cycle.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">2. No Monthly Fees On Savings Accounts<\/h3>\n\n\n\n<p>Marcus by Goldman Sachs offers an APY of 3.75% on savings accounts. This rate claims to be four times the national average and provides a simple calculator to compare your yield over time with Marcus to the APY on other accounts.&nbsp;<\/p>\n\n\n\n<p>Marcus CDs offer a better annual percentage yield (APY) than competitive offerings across all maturities and other financial institutions.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">3. No Minimum Deposit Requirement For Savings Accounts<\/h3>\n\n\n\n<p>Fees charged by some banks on savings accounts are one of the drawbacks that might eat away at your money. For instance, if your balance decreases below the account&#8217;s minimum each month.&nbsp;<\/p>\n\n\n\n<p>But I assure you here at Marcus online bank, they do not charge its customers for having a savings account with them.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">4. The Balance Requirements For CDs Are Relatively Lows<\/h3>\n\n\n\n<p>Creating a savings account requires no initial contribution from a client like you, though you must fund accounts within 60 days. You simply need $500 to open a CD, and you have up to 10 days after that to make your first deposit.&nbsp;<\/p>\n\n\n\n<p>Marcus also offers No-Penalty CDs, allowing early withdrawal of the total amount before maturity without incurring a penalty along with its high-yield CDs.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">5. Assist In Tracking And Optimizing Your Finances<\/h3>\n\n\n\n<p>Marcus account holders can benefit from convenient mobile access to their savings. You can easily monitor your savings progress, set up automatic deposits, and view your yearly interest earnings from the convenience of your mobile device using Marcus&#8217; unique mobile banking app.<\/p>\n\n\n\n<p>Although Marcus by Goldman Sachs is an online savings account, the bank&#8217;s U.S.-based contact center is open seven days a week to assist customers with questions or concerns.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Drawbacks Of Marcus By Goldman Sachs<\/h2>\n\n\n\n<p>Marcus by Goldman Sachs has flaws and limitations like any other organization. These flaws and limitations include the following:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">1. No Physical Location<\/h3>\n\n\n\n<p>A direct or online bank, such as Marcus by Goldman Sachs, is a financial institution that conducts all of its transactions electronically. These transactions include mail, mobile check deposits, chat rooms for customer care, and other electronic means.&nbsp;<\/p>\n\n\n\n<p>This bank has no physical locations, as all its services are offered digitally. The absence of branches further constrains the inaccessibility of your Marcus account.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">2. Do Not Offer ATM Or Debit Card<\/h3>\n\n\n\n<p>Since Marcus does not have a physical store, so do ATM networks. Consequently, accessing funds in your Marcus accounts will be difficult. More than just the cost of using an ATM outside your network is at risk here.&nbsp;<\/p>\n\n\n\n<p>Quickly withdrawing monies from your savings account requires an electronic funds transfer (ACH) or a wire transfer.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">3. No Mobile Check Deposit Feature<\/h3>\n\n\n\n<p>You can only deposit a check into your Marcus account by mailing it in, even though a user-friendly mobile app is available for Android and iOS. But domestic wire transfers, direct payments to savings accounts, and international wire transfers are also options.<\/p>\n\n\n\n<p>Despite an easy-to-use mobile app for iOS and Android, sending it via U.S. mail is the only way to deposit a check into your Marcus account. Although you can also set up fund transfers with a linked external bank account, send a domestic wire transfer, and make direct deposits into savings.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Marcus by Goldman Sachs: Reliable And Trustworthy Online Bank<\/h2>\n\n\n\n<p>Marcus by Goldman Sachs, overall, is a reputable and trustworthy online bank due to its low fees, convenient interface, and competitive interest rates. The bank has a good reputation and is supported by Goldman Sachs&#8217;s reliability and resources.&nbsp;<\/p>\n\n\n\n<p>Marcus does not have the same range of services as a full-service bank, but it does make saving and taking loans online easy and convenient.&nbsp;<\/p>\n\n\n\n<p>Conclusively, I suggest <a href=\"https:\/\/alejandrorioja.com\/recommends\/marcus\/\" target=\"_blank\" rel=\"noreferrer noopener\">Marcus by Goldman Sachs<\/a> as one of your best options. They could be your best online bank if you value high customer service and transparency in your financial plans.<\/p>\n\n\n\n<p>If you liked what you read about my review for Marcus by Goldman Sachs, comment and share this post. And to learn more, check out my previous post from the link below, discussing financial plans and some of my reviews.<\/p>\n\n\n\n<ul>\n<li><a href=\"https:\/\/alejandrorioja.com\/personal-finance-101\/\" target=\"_blank\" rel=\"noreferrer noopener\">Personal Finance 101 \u2013 Everything You Need to Know About Money<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/alejandrorioja.com\/how-does-whatsapp-make-money\/\" target=\"_blank\" rel=\"noreferrer noopener\">How Does Whatsapp Make Money?<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/alejandrorioja.com\/how-does-sweatcoin-work\/\" target=\"_blank\" rel=\"noreferrer noopener\">How Does Sweatcoin Work? A Detailed Overview Of The App<\/a><\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Disclaimer: This post contains affiliate links in which I receive commissions. The reviews and opinions expressed in this article are my own.\u00a0 The increasing popularity of online banking in past years can be attributed to its many advantages, including its accessibility, efficiency, and convenience.\u00a0 With the proliferation of smartphones and the widespread availability of online&hellip;<\/p>\n","protected":false},"author":1,"featured_media":30908,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_coblocks_attr":"","_coblocks_dimensions":"","_coblocks_responsive_height":"","_coblocks_accordion_ie_support":"","om_disable_all_campaigns":false,"_uag_custom_page_level_css":"","footnotes":""},"categories":[649],"tags":[],"lang":"en","translations":{"en":30904},"uagb_featured_image_src":{"full":["https:\/\/alejandrorioja.com\/wp-content\/uploads\/2023\/04\/From-Lending-to-Saving-A-Comprehensive-Review-of-Marcus.png",1200,675,false],"thumbnail":["https:\/\/alejandrorioja.com\/wp-content\/uploads\/2023\/04\/From-Lending-to-Saving-A-Comprehensive-Review-of-Marcus.png",128,72,false],"medium":["https:\/\/alejandrorioja.com\/wp-content\/uploads\/2023\/04\/From-Lending-to-Saving-A-Comprehensive-Review-of-Marcus.png",1200,675,false],"medium_large":["https:\/\/alejandrorioja.com\/wp-content\/uploads\/2023\/04\/From-Lending-to-Saving-A-Comprehensive-Review-of-Marcus-768x432.png",768,432,true],"large":["https:\/\/alejandrorioja.com\/wp-content\/uploads\/2023\/04\/From-Lending-to-Saving-A-Comprehensive-Review-of-Marcus.png",1200,675,false],"1536x1536":["https:\/\/alejandrorioja.com\/wp-content\/uploads\/2023\/04\/From-Lending-to-Saving-A-Comprehensive-Review-of-Marcus.png",1200,675,false],"2048x2048":["https:\/\/alejandrorioja.com\/wp-content\/uploads\/2023\/04\/From-Lending-to-Saving-A-Comprehensive-Review-of-Marcus.png",1200,675,false],"post-thumbnail":["https:\/\/alejandrorioja.com\/wp-content\/uploads\/2023\/04\/From-Lending-to-Saving-A-Comprehensive-Review-of-Marcus-80x75.png",80,75,true],"goodlife-thumbnail":["https:\/\/alejandrorioja.com\/wp-content\/uploads\/2023\/04\/From-Lending-to-Saving-A-Comprehensive-Review-of-Marcus-80x75.png",80,75,true],"goodlife-grid":["https:\/\/alejandrorioja.com\/wp-content\/uploads\/2023\/04\/From-Lending-to-Saving-A-Comprehensive-Review-of-Marcus-320x270.png",320,270,true],"goodlife-latest":["https:\/\/alejandrorioja.com\/wp-content\/uploads\/2023\/04\/From-Lending-to-Saving-A-Comprehensive-Review-of-Marcus-320x225.png",320,225,true],"goodlife-latestshort":["https:\/\/alejandrorioja.com\/wp-content\/uploads\/2023\/04\/From-Lending-to-Saving-A-Comprehensive-Review-of-Marcus-320x170.png",320,170,true],"goodlife-vertical":["https:\/\/alejandrorioja.com\/wp-content\/uploads\/2023\/04\/From-Lending-to-Saving-A-Comprehensive-Review-of-Marcus-320x420.png",320,420,true],"goodlife-gallery":["https:\/\/alejandrorioja.com\/wp-content\/uploads\/2023\/04\/From-Lending-to-Saving-A-Comprehensive-Review-of-Marcus-320x150.png",320,150,true],"goodlife-galleryvertical":["https:\/\/alejandrorioja.com\/wp-content\/uploads\/2023\/04\/From-Lending-to-Saving-A-Comprehensive-Review-of-Marcus-320x350.png",320,350,true],"goodlife-poststyle1":["https:\/\/alejandrorioja.com\/wp-content\/uploads\/2023\/04\/From-Lending-to-Saving-A-Comprehensive-Review-of-Marcus-770x433.png",770,433,true],"goodlife-thumbnail-small":["https:\/\/alejandrorioja.com\/wp-content\/uploads\/2023\/04\/From-Lending-to-Saving-A-Comprehensive-Review-of-Marcus-40x150.png",40,150,true],"goodlife-thumbnail-2x":["https:\/\/alejandrorioja.com\/wp-content\/uploads\/2023\/04\/From-Lending-to-Saving-A-Comprehensive-Review-of-Marcus-160x150.png",160,150,true],"goodlife-thumbnail-mini":["https:\/\/alejandrorioja.com\/wp-content\/uploads\/2023\/04\/From-Lending-to-Saving-A-Comprehensive-Review-of-Marcus-20x18.png",20,18,true],"goodlife-grid-small":["https:\/\/alejandrorioja.com\/wp-content\/uploads\/2023\/04\/From-Lending-to-Saving-A-Comprehensive-Review-of-Marcus-160x540.png",160,540,true],"goodlife-grid-2x":["https:\/\/alejandrorioja.com\/wp-content\/uploads\/2023\/04\/From-Lending-to-Saving-A-Comprehensive-Review-of-Marcus-640x540.png",640,540,true],"goodlife-grid-mini":["https:\/\/alejandrorioja.com\/wp-content\/uploads\/2023\/04\/From-Lending-to-Saving-A-Comprehensive-Review-of-Marcus-20x16.png",20,16,true],"goodlife-latest-small":["https:\/\/alejandrorioja.com\/wp-content\/uploads\/2023\/04\/From-Lending-to-Saving-A-Comprehensive-Review-of-Marcus-160x450.png",160,450,true],"goodlife-latest-2x":["https:\/\/alejandrorioja.com\/wp-content\/uploads\/2023\/04\/From-Lending-to-Saving-A-Comprehensive-Review-of-Marcus-640x450.png",640,450,true],"goodlife-latest-mini":["https:\/\/alejandrorioja.com\/wp-content\/uploads\/2023\/04\/From-Lending-to-Saving-A-Comprehensive-Review-of-Marcus-20x14.png",20,14,true],"goodlife-latestshort-small":["https:\/\/alejandrorioja.com\/wp-content\/uploads\/2023\/04\/From-Lending-to-Saving-A-Comprehensive-Review-of-Marcus-160x340.png",160,340,true],"goodlife-latestshort-2x":["https:\/\/alejandrorioja.com\/wp-content\/uploads\/2023\/04\/From-Lending-to-Saving-A-Comprehensive-Review-of-Marcus-640x340.png",640,340,true],"goodlife-latestshort-mini":["https:\/\/alejandrorioja.com\/wp-content\/uploads\/2023\/04\/From-Lending-to-Saving-A-Comprehensiv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Rioja","author_link":"https:\/\/alejandrorioja.com\/author\/alerioja\/"},"uagb_comment_info":146,"uagb_excerpt":"Disclaimer: This post contains affiliate links in which I receive commissions. The reviews and opinions expressed in this article are my own.\u00a0 The increasing popularity of online banking in past years can be attributed to its many advantages, including its accessibility, efficiency, and convenience.\u00a0 With the proliferation of smartphones and the widespread availability of online&hellip;","pll_sync_post":[],"_links":{"self":[{"href":"https:\/\/alejandrorioja.com\/wp-json\/wp\/v2\/posts\/30904"}],"collection":[{"href":"https:\/\/alejandrorioja.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/alejandrorioja.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/alejandrorioja.com\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/alejandrorioja.com\/wp-json\/wp\/v2\/comments?post=30904"}],"version-history":[{"count":2,"href":"https:\/\/alejandrorioja.com\/wp-json\/wp\/v2\/posts\/30904\/revisions"}],"predecessor-version":[{"id":30907,"href":"https:\/\/alejandrorioja.com\/wp-json\/wp\/v2\/posts\/30904\/revisions\/30907"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/alejandrorioja.com\/wp-json\/wp\/v2\/media\/30908"}],"wp:attachment":[{"href":"https:\/\/alejandrorioja.com\/wp-json\/wp\/v2\/media?parent=30904"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/alejandrorioja.com\/wp-json\/wp\/v2\/categories?post=30904"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/alejandrorioja.com\/wp-json\/wp\/v2\/tags?post=30904"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}