{"id":1244,"date":"2020-11-01T10:09:00","date_gmt":"2020-11-01T07:09:00","guid":{"rendered":"http:\/\/tasarrufdelileri.com\/?p=1244"},"modified":"2026-03-07T17:07:33","modified_gmt":"2026-03-07T14:07:33","slug":"ya-butun-hesaplarimiz-yanlissa","status":"publish","type":"post","link":"https:\/\/fonanalizi.com\/?p=1244","title":{"rendered":"Ya b\u00fct\u00fcn hesaplar\u0131m\u0131z yanl\u0131\u015fsa?"},"content":{"rendered":"\n

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Deprem \u00f6yle bir travma<\/strong> ki, yaratt\u0131\u011f\u0131 etki \u00e7ok sert oluyor; hepimize ac\u0131 t\u00fcten hikayeler b\u0131rak\u0131yor. \u0130zmir depremi de bunlardan biriydi ve daha \u00e7ok taze. Ya\u015fad\u0131\u011f\u0131m\u0131z \u00e7a\u011fda ac\u0131 olan, bunun hepimizin ba\u015f\u0131na gelebilecek bir olay olmas\u0131. Deprem ku\u015fa\u011f\u0131nda ya\u015fayan bir \u00fclkenin insanlar\u0131 olarak<\/strong> maalesef, 21.y\u00fczy\u0131l\u0131n i\u00e7inde, sa\u011fl\u0131kl\u0131 bar\u0131nma hakk\u0131n\u0131 ‘standart’<\/strong> bir kazan\u0131m yapamad\u0131k. Bilimsel ger\u00e7eklerden uzak, rant i\u00e7erikli yap\u0131la\u015fma devam etti. Travma, \u00fclkemizi bu kez bir metropolde yakalad\u0131. <\/p>\n\n\n\n

Hayata dair kararlar\u0131 bilime dayan\u0131p ak\u0131lc\u0131 bi\u00e7imde <\/strong>vermez ya da bu kararlar\u0131 vermeyenleri etkin bi\u00e7imde denetlemez<\/strong> isek, tekrar\u0131n\u0131 ya\u015famaktan \u00fcrkt\u00fc\u011f\u00fcm\u00fcz bir kabus olarak<\/strong> kalacak ‘deprem’ <\/strong>hayat\u0131m\u0131zda. <\/p>\n\n\n\n

B\u00f6yle ac\u0131lar, bizi ‘zaman\u0131nda yapamad\u0131\u011f\u0131m\u0131z’<\/strong> \u015feylerle \u00e7ok \u00e7arp\u0131c\u0131 bi\u00e7imde y\u00fcz y\u00fcze getiriyor. Zaman\u0131nda okunmam\u0131\u015f bir kitap<\/strong>, gidilmemi\u015f bir tiyatro oyunu<\/strong>, okunmam\u0131\u015f bir \u00fcniversite<\/strong>, d\u00fc\u015f\u00fcn\u00fclmemi\u015f bir birikim<\/strong> ve yap\u0131lmam\u0131\u015f bir tasarruf <\/strong>y\u00fcz\u00fcnden ‘insani standartlara ula\u015famam\u0131\u015f’ <\/strong>bir hayat kalitesi gibi. Deprem sonucu yerle bir olacak bir yap\u0131n\u0131n i\u00e7inde ya\u015famaya mecbur kalmak gibi, ula\u015fabildi\u011fimiz parasal g\u00fcc\u00fcn ancak ‘o yap\u0131larda ya\u015famay\u0131 elde edebilecek’<\/strong> kadar olmas\u0131 gibi. <\/p>\n\n\n\n

\u0130zmir depreminde hayat\u0131n\u0131 kaybeden vatanda\u015flar\u0131m\u0131za Allah’tan rahmet, yak\u0131nlar\u0131na ba\u015fsa\u011fl\u0131\u011f\u0131 diliyorum.<\/p>\n\n\n\n

Zaman\u0131nda <\/strong>vermedi\u011fimiz veya veremedi\u011fimiz kararlar\u0131n en olumsuz etkilerini<\/strong>, \u00fcretkenli\u011fimizin azal\u0131p sonland\u0131\u011f\u0131, enerjimizin k\u0131s\u0131tland\u0131\u011f\u0131 d\u00f6nemde ya\u015f\u0131yoruz ne yaz\u0131k ki: ya\u015fl\u0131l\u0131k.<\/strong> Bug\u00fcnk\u00fc yaz\u0131y\u0131, asl\u0131nda ya\u015fam\u0131n en keyifli ve rafine <\/strong>olmas\u0131 gereken d\u00f6nemini, k\u0131r\u0131lgan ve savunmas\u0131z ya\u015famamak i\u00e7in zihnimizde bir pencere a\u00e7abilmek ad\u0131na kaleme almak istedim. <\/p>\n\n\n\n

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Tasarrufa dair motivasyon ki\u015fiden ki\u015fiye de\u011fi\u015febiliyor. Fakat ne kadar farkl\u0131 olursak olal\u0131m, s\u00fcrecin bir yerinde ‘ya\u015fl\u0131l\u0131kta finansal ba\u011f\u0131ms\u0131zl\u0131k’ <\/strong>mutlaka oluyor. <\/p>\n\n\n\n

Pandemi<\/strong> nedeniyle \u00e7ok y\u0131prat\u0131c\u0131 bir 2020 ya\u015fad\u0131k, halen de ya\u015f\u0131yoruz. An\u0131msayacaks\u0131n\u0131z, covid-19 belirsizli\u011fi korkuya d\u00f6n\u00fc\u015fmeye ba\u015flad\u0131\u011f\u0131nda; al\u0131nan \u00f6nlemlerin etkinli\u011fi kadar; odakland\u0131\u011f\u0131 ya\u015f grubu<\/strong> da tart\u0131\u015fma konusuydu. <\/p>\n\n\n\n

Ya\u015fad\u0131\u011f\u0131m\u0131z zor s\u00fcre\u00e7 dikkatlerimizi \u00f6zellikle 65 \u00fcst\u00fc ya\u015f grubuna <\/strong>\u00e7evirmemize, onlar\u0131 yeniden tan\u0131mlamam\u0131za neden oldu. Soka\u011fa \u00e7\u0131kma yasaklar\u0131, seyahat k\u0131s\u0131tlar\u0131 gibi \u00f6nlemler sonras\u0131nda hepimiz dikkatimizi ya\u015fl\u0131lar\u0131m\u0131za<\/strong> \u00e7evirdik. <\/p>\n\n\n\n

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Ya\u015fl\u0131l\u0131k nedir?<\/strong><\/h4>\n\n\n\n

D\u00fcnya Sa\u011fl\u0131k \u00d6rg\u00fct\u00fc, ‘ya\u015fl\u0131’<\/strong> olarak 65 ya\u015f ve \u00fcst\u00fc bireyleri tan\u0131ml\u0131yor. T\u00dc\u0130K, Aile ve Sosyal Politikalar Bakanl\u0131\u011f\u0131 gibi \u00fclkemiz kurumlar\u0131 da \u00f6yle. 65 ya\u015f tan\u0131m\u0131n ba\u015flang\u0131\u00e7 noktas\u0131. <\/p>\n\n\n\n

T\u00fcrkiye 2019 y\u0131l\u0131 ya\u015fl\u0131 n\u00fcfusu<\/strong> 7,5 milyonun \u00fczerinde. Bu say\u0131 \u00fclkemiz n\u00fcfusunun %9’undan fazla. Bu oran 2014’te %8 seviyesindeymi\u015f ve 2019 sonu\u00e7lar\u0131na g\u00f6re ya\u015fl\u0131 n\u00fcfus oran\u0131 bir \u00f6nceki d\u00f6neme g\u00f6re %21.9 artm\u0131\u015f. <\/p>\n\n\n\n

Ya\u015fl\u0131 n\u00fcfusun toplam i\u00e7indeki oran\u0131n\u0131n %10’u ge\u00e7mesi n\u00fcfus ya\u015flanmas\u0131n\u0131n<\/strong> bir g\u00f6stergesi. Son y\u0131llarda \u00fclkemizde ya\u015fl\u0131 n\u00fcfus, di\u011fer ya\u015f gruplar\u0131na g\u00f6re daha h\u0131zl\u0131 art\u0131\u015f g\u00f6stermi\u015f ve n\u00fcfus ya\u015flanmas\u0131n\u0131n kriteri <\/strong>olarak kabul edilen %10 i\u00e7in sadece bir ad\u0131m kalm\u0131\u015f. <\/p>\n\n\n\n

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N\u00fcfus yap\u0131m\u0131zdaki de\u011fi\u015fim<\/strong><\/h4>\n\n\n\n

Demografide<\/strong> ( n\u00fcfusu inceleyen bilim dal\u0131 ) ortanca ya\u015f<\/strong> diye bir kavram var. Bu kavram, yeni do\u011fan bebekten en ya\u015fl\u0131s\u0131na kadar n\u00fcfusu olu\u015fturan t\u00fcm ki\u015filerin ya\u015flar\u0131 k\u00fc\u00e7\u00fckten b\u00fcy\u00fc\u011fe do\u011fru s\u0131raland\u0131\u011f\u0131nda ortada kalan ki\u015finin ya\u015f\u0131n\u0131 ifade ediyor. N\u00fcfusun ya\u015flanmas\u0131 ile ilgili bilgi veren g\u00f6stergelerden biri olan ortanca ya\u015f; <\/p>\n\n\n\n

    \n
  • 2014 y\u0131l\u0131nda 30,7 iken %5.5 art\u0131\u015f g\u00f6stererek,<\/li>\n\n\n\n
  • 2019 y\u0131l\u0131nda 32,4 olmu\u015f.<\/li>\n<\/ul>\n\n\n\n

    Yap\u0131lan n\u00fcfus projeksiyonlar\u0131na g\u00f6re ortanca ya\u015f\u0131n; <\/p>\n\n\n\n

      \n
    • 2023 y\u0131l\u0131nda 33,5<\/li>\n\n\n\n
    • 2030 y\u0131l\u0131nda 35,6<\/li>\n\n\n\n
    • 2040 y\u0131l\u0131nda 38,5<\/li>\n\n\n\n
    • 2060 y\u0131l\u0131nda 42,3 olaca\u011f\u0131 \u00f6ng\u00f6r\u00fcl\u00fcyor. <\/li>\n<\/ul>\n\n\n\n

      Kaynak: T\u00dc\u0130K <\/strong><\/p>\n\n\n\n

      <\/p>\n\n\n\n

      K\u00fcresel ya\u015flanma s\u00fcreci<\/strong><\/h4>\n\n\n\n

      Bu durum sadece \u00fclkemiz i\u00e7in ge\u00e7erli de\u011fil. K\u00fcresel ya\u015flanma s\u00fcreci olarak ifade edilen bu d\u00f6nemde, do\u011furganl\u0131\u011f\u0131n ve \u00f6l\u00fcm h\u0131zlar\u0131n\u0131n azalmas\u0131n\u0131n<\/strong> yan\u0131 s\u0131ra, sa\u011fl\u0131k alan\u0131nda kaydedilen <\/strong>geli\u015fmeler, refah d\u00fczeyindeki genel art\u0131\u015f<\/strong> gibi yap\u0131sal geli\u015fmeler, ya\u015fam s\u00fcrelerinin uzamas\u0131na<\/strong> yol a\u00e7t\u0131 ve \u00fclkelerin n\u00fcfus yap\u0131lar\u0131nda \u00f6nemli de\u011fi\u015fiklikler yaratt\u0131. Son y\u0131llarda \u00e7ocuk ve gen\u00e7lerin n\u00fcfus i\u00e7indeki oran\u0131 azal\u0131rken ya\u015fl\u0131lar\u0131n oran\u0131 art\u0131\u015f g\u00f6sterme trendinde… <\/p>\n\n\n\n

      <\/p>\n\n\n\n

      Uzayan ya\u015fam s\u00fcreleri<\/strong><\/h4>\n\n\n\n

      Demografinin \u00e7al\u0131\u015fma alanlar\u0131ndan biri de ya\u015fam s\u00fcreleri. T\u00dc\u0130K taraf\u0131ndan haz\u0131rlanan ‘Hayat Tablolar\u0131 2016-2018’<\/strong> sonucuna g\u00f6re, \u00fclkemizdeki bir bireyin 65 ya\u015f\u0131na ula\u015ft\u0131ktan sonra kalan \u00f6m\u00fcr s\u00fcresi erkeklerde 16,2 y\u0131l, kad\u0131nlarda ise 19,4 y\u0131l olarak hesaplanm\u0131\u015f. Ortalama yakla\u015f\u0131k 18 y\u0131l<\/strong> ve 83 ya\u015fa<\/strong> denk geliyor. <\/p>\n\n\n\n

      <\/p>\n\n\n

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      Ya\u015fl\u0131l\u0131kta gelirlerimiz azal\u0131yor.<\/strong><\/figcaption><\/figure>\n<\/div>\n\n\n

      <\/p>\n\n\n\n

      Ya\u015fl\u0131l\u0131kta gelir azl\u0131\u011f\u0131<\/strong><\/h4>\n\n\n\n

      Ya\u015fl\u0131l\u0131ktaki en b\u00fcy\u00fck sorunlardan biri gelir azl\u0131\u011f\u0131. KONDA<\/strong> Ara\u015ft\u0131rma ve Dan\u0131\u015fmanl\u0131k ad\u0131na sosyolog G\u00fcl\u00e7in Con Wright <\/strong>taraf\u0131ndan haz\u0131rlanan Konda Ya\u015fl\u0131l\u0131k Raporu<\/strong> adl\u0131 ara\u015ft\u0131rma sonu\u00e7lar\u0131; 2018 y\u0131l\u0131nda T\u00fcrkiye\u2019deki ya\u015fl\u0131lar\u0131n ayl\u0131k gelir miktar\u0131n\u0131n, \u00fclke genel ortalamas\u0131ndan daha az<\/strong> oldu\u011funu ortaya koyuyor. Ya\u015fl\u0131lar aras\u0131nda k\u0131t kanaat ge\u00e7inenlerin oran\u0131 \u00fclke genelinden y\u00fcksek, kenara para koyanlar\u0131n oran\u0131 ise, \u00fclke genelinden daha d\u00fc\u015f\u00fck… <\/p>\n\n\n\n

      Ya\u015fl\u0131l\u0131k & tasarruf ili\u015fkisi<\/strong><\/h4>\n\n\n\n

      65+ ya\u015f grubundaki en yayg\u0131n gelir kayna\u011f\u0131<\/strong> emekli maa\u015f\u0131. <\/p>\n\n\n

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      Pasif gelir azl\u0131\u011f\u0131 dikkat \u00e7ekiyor.<\/strong>
      Kaynak: KONDA<\/strong><\/figcaption><\/figure>\n<\/div>\n\n\n

      \u00dclkemizdeki \u00fccretli \u00e7al\u0131\u015fan kesimin y\u00fczde k\u0131rk\u0131ndan fazlas\u0131n\u0131n asgari \u00fccret ald\u0131\u011f\u0131n\u0131<\/strong> d\u00fc\u015f\u00fcn\u00fcrseniz, asgari \u00fccret alarak emekli olmu\u015f bir ya\u015fl\u0131n\u0131n<\/strong> ya\u015fayabilece\u011fi maddi sorunlar ile ilgili isabetli bir yorum yapmak, daha olas\u0131 g\u00f6r\u00fcn\u00fcyor. <\/p>\n\n\n\n

      Ara\u015ft\u0131rmaya g\u00f6re 65+ ya\u015f grubunda ‘pasif gelir’ yani kira, faiz , temett\u00fc , borsa geliri <\/strong>sahibi olan ya\u015fl\u0131 grubu sadece %3!<\/p>\n\n\n\n

      *pasif gelir: <\/strong>s\u0131f\u0131r veya \u00e7ok az u\u011fra\u015f ile d\u00fczenli gelir getiren tasarruflar<\/em><\/p>\n\n\n\n

      <\/p>\n\n\n\n

      Ya\u015fl\u0131lar\u0131m\u0131z\u0131n psikolojisi<\/strong><\/h4>\n\n\n\n

      Ara\u015ft\u0131rmaya g\u00f6re \u00fclke genelinin %42\u2019si 2000 TL ve alt\u0131 gelire sahipken, bu oran ya\u015fl\u0131lar i\u00e7in %65\u2019 e \u00e7\u0131k\u0131yor ve ya\u015fl\u0131lar kendilerini ortan\u0131n alt\u0131 ve yoksul <\/strong>olarak alg\u0131l\u0131yor. Ya\u015fl\u0131lar\u0131m\u0131z\u0131n sadece %15’inin ihtiya\u00e7 fazlas\u0131 tasarrufu var. Tasarruf a\u00e7\u0131\u011f\u0131ndaki oran ise \u00fcrk\u00fct\u00fcc\u00fc: %85.<\/p>\n\n\n\n

      <\/p>\n\n\n

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      2.000 TL alt\u0131 gelir sahibi ya\u015fl\u0131lar\u0131n oran\u0131<\/strong>
      Kaynak: KONDA<\/strong><\/figcaption><\/figure>\n<\/div>\n\n\n

      <\/p>\n\n\n

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      Ya\u015fl\u0131lar\u0131m\u0131z kendisini nas\u0131l tan\u0131ml\u0131yor? <\/strong>
      Kaynak: KONDA<\/strong><\/figcaption><\/figure>\n<\/div>\n\n\n

      <\/p>\n\n\n

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      Ge\u00e7inebildiniz mi?
      Kaynak : KONDA<\/strong><\/figcaption><\/figure>\n<\/div>\n\n\n

      <\/p>\n\n\n

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      Ya\u015fl\u0131larda en bask\u0131n korku, paras\u0131z kal\u0131p muhta\u00e7 olmak…
      Kaynak: KONDA<\/strong><\/figcaption><\/figure>\n<\/div>\n\n\n

      <\/p>\n\n\n\n

      Tasarruf plan\u0131n\u0131z de\u011fi\u015fen ya\u015fam s\u00fcrelerini hesaba kat\u0131yor mu?<\/strong><\/h4>\n\n\n\n

      Tasarrufun kilit noktalar\u0131ndan biri tasarrufun s\u00fcresi<\/strong>. Ya\u015fam s\u00fcrelerinin uzad\u0131\u011f\u0131n\u0131<\/strong> d\u00fc\u015f\u00fcnd\u00fc\u011f\u00fcm\u00fczde, hatta en \u00f6nemlisi<\/strong> bile olabilir. Bir \u00e7o\u011fumuzun plan\u0131nda ya\u015fl\u0131l\u0131k d\u00f6nemine ili\u015fkin ‘s\u00fcre planlamas\u0131’<\/strong> ilk s\u0131ralarda yer alm\u0131yor, muhtemelen dikkatimizden ka\u00e7\u0131yor. <\/p>\n\n\n\n

      Bu yaz\u0131da ya\u015fl\u0131l\u0131k s\u00fcrecinin do\u011fru alg\u0131lanmas\u0131 ve tasarruf plan\u0131n\u0131n buna g\u00f6re tasarlanmas\u0131n\u0131n \u00f6nemini \u00f6zellikle belirtmek istedim. A\u015fa\u011f\u0131daki tabloda, di\u011fer tablolardan farkl\u0131 olarak, 65+ ya\u015fa de\u011fil, T\u00fcrkiye geneline<\/strong> dikkatinizi \u00e7ekmek isterim. <\/p>\n\n\n\n

      Ara\u015ft\u0131rmaya g\u00f6re \u00fclkemiz genelinde para biriktirme veya yat\u0131r\u0131m yapma sadece %10 d\u00fczeyinde kal\u0131yor. Tasarruf azl\u0131\u011f\u0131<\/strong>, \u00fclkemizdeki en \u00f6nemli yap\u0131sal sorunlardan<\/strong> biri. <\/p>\n\n\n

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      Tasarrufa ba\u015flama noktas\u0131ndaki umutsuz halimizin duygusal arka plan\u0131nda, ‘tasarruf i\u00e7in \u00e7ok ge\u00e7 kalm\u0131\u015f olma’<\/strong> d\u00fc\u015f\u00fcncesi yat\u0131yor \u00e7o\u011fu zaman. T\u00dc\u0130K raporundaki 65 ya\u015f sonras\u0131 ortalama ya\u015fam s\u00fcresi 18 y\u0131l, \u00e7ok ciddi bir s\u00fcre. 60 ya\u015f\u0131nda emekli olmu\u015f bir birey i\u00e7in gelire ihtiya\u00e7 duyaca\u011f\u0131 23 y\u0131l<\/strong> demek bu!<\/p>\n\n\n\n

      <\/p>\n\n\n\n

      Bitirirken<\/strong><\/h4>\n\n\n\n

      \u00dclkemizin deprem <\/strong>ger\u00e7e\u011fi kadar; demografik ger\u00e7eklerini<\/strong> de bar\u0131nd\u0131ran bir tasarruf plan\u0131na sahip olmam\u0131z b\u00fcy\u00fck \u00f6nem ta\u015f\u0131yor. \u00dcstelik pasif gelir stat\u00fcs\u00fcndeki hisse senedi geliri, temett\u00fc geliri, bireysel emeklilik gelirleri, kira, faiz <\/strong>gibi her t\u00fcrl\u00fc gelir; bize ya\u015fl\u0131l\u0131k d\u00f6nemindeki finansal s\u0131k\u0131nt\u0131lar i\u00e7in koruyucu bir kalkan olabilir. D\u00fczenli gelir sa\u011flayabilir. Ya\u015fam standard\u0131m\u0131z\u0131 yukar\u0131 iterek daha ‘g\u00fcvenli’<\/strong> konutlarda ya\u015fama imkan\u0131 verebilir!<\/p>\n\n\n\n

      \u00dcstelik muhtemel bir gelecekte, ya\u015fam s\u00fcresi tahminlerinde yukar\u0131 y\u00f6nl\u00fc bir de\u011fi\u015fim olmasa bile, on y\u0131llarla<\/strong> ifade edilebilecek tasarruf s\u00fcreleri planlamak m\u00fcmk\u00fcn. D\u00fc\u015f\u00fcn\u00fcn, ya b\u00fct\u00fcn hesaplar\u0131m\u0131z daha ba\u015ftan yanl\u0131\u015fsa? <\/p>\n\n\n\n

      Tasarrufa ba\u015flamak i\u00e7in kesinlikle ge\u00e7 de\u011fil<\/strong>.<\/p>\n\n\n\n

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      Sa\u011fl\u0131kla kal\u0131n…<\/p>\n\n\n\n

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      <\/p>\n\n\n\n

      *Yararlan\u0131lan Kaynaklar: KONDA Ya\u015fl\u0131l\u0131k Raporu<\/p>\n\n\n\n

      \nhttps:\/\/konda.com.tr\/wp-content\/uploads\/2020\/10\/KondaYaslilikRaporuEkim2020.pdf\n<\/div><\/figure>\n\n\n\n

      https:\/\/data.tuik.gov.tr\/tr\/display-bulletin\/?bulletin=istatistiklerle-yaslilar-2019-33712<\/p>\n\n\n\n\n","protected":false},"excerpt":{"rendered":"

      Deprem \u00f6yle bir travma ki, yaratt\u0131\u011f\u0131 etki \u00e7ok sert oluyor; hepimize ac\u0131 t\u00fcten hikayeler b\u0131rak\u0131yor. \u0130zmir depremi de bunlardan biriydi ve daha \u00e7ok taze. Ya\u015fad\u0131\u011f\u0131m\u0131z \u00e7a\u011fda ac\u0131 olan, bunun hepimizin ba\u015f\u0131na gelebilecek bir olay olmas\u0131. Deprem ku\u015fa\u011f\u0131nda ya\u015fayan bir \u00fclkenin insanlar\u0131 olarak maalesef, 21.y\u00fczy\u0131l\u0131n i\u00e7inde, sa\u011fl\u0131kl\u0131 bar\u0131nma hakk\u0131n\u0131 ‘standart’ bir kazan\u0131m yapamad\u0131k. Bilimsel ger\u00e7eklerden uzak, rant i\u00e7erikli yap\u0131la\u015fma devam etti. Travma, \u00fclkemizi bu kez bir metropolde yakalad\u0131. <\/p>\n","protected":false},"author":1,"featured_media":4159,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2,3,6,7,1,8,10,12,11],"tags":[],"class_list":["post-1244","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-aile","category-birikim","category-finans","category-finansal-okuryazarlik","category-genel","category-hisse","category-tasarruf","category-yasam","category-yatirim-fonu"],"_links":{"self":[{"href":"https:\/\/fonanalizi.com\/index.php?rest_route=\/wp\/v2\/posts\/1244","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/fonanalizi.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/fonanalizi.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/fonanalizi.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/fonanalizi.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=1244"}],"version-history":[{"count":1,"href":"https:\/\/fonanalizi.com\/index.php?rest_route=\/wp\/v2\/posts\/1244\/revisions"}],"predecessor-version":[{"id":4160,"href":"https:\/\/fonanalizi.com\/index.php?rest_route=\/wp\/v2\/posts\/1244\/revisions\/4160"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/fonanalizi.com\/index.php?rest_route=\/wp\/v2\/media\/4159"}],"wp:attachment":[{"href":"https:\/\/fonanalizi.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=1244"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/fonanalizi.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=1244"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/fonanalizi.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=1244"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}