{"id":168736,"date":"2024-07-29T09:46:55","date_gmt":"2024-07-29T08:46:55","guid":{"rendered":"http:\/\/realbusiness.co.uk\/?p=168736"},"modified":"2024-11-22T11:52:18","modified_gmt":"2024-11-22T11:52:18","slug":"class-4-national-insurance-used","status":"publish","type":"post","link":"https:\/\/realbusiness.co.uk\/class-4-national-insurance-used","title":{"rendered":"What Is Class 4 National Insurance Used For?"},"content":{"rendered":"<div class='booster-block booster-read-block'><\/div><p data-pm-slice=\"1 1 []\"><strong>In the UK, Class 4 NIC (National Insurance Contributions) is a tax that the self-employed are required to pay for profits over \u00a312,570, and it&#8217;s used by the government to fund state benefits. But what are the rates, and how is it calculated? <\/strong><\/p>\n<p>In this article, Real Business will explore the calculation rules behind class 4 National Insurance, including how the self-assessment tax return is filed, and more.<\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_74 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<label for=\"ez-toc-cssicon-toggle-item-684fdfc0c813f\" class=\"ez-toc-cssicon-toggle-label\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" 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: #999;color:#999\" 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><\/label><input type=\"checkbox\"  id=\"ez-toc-cssicon-toggle-item-684fdfc0c813f\"  aria-label=\"Toggle\" \/><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:\/\/realbusiness.co.uk\/class-4-national-insurance-used\/#National_Insurance_Contributions_-_What_Are_They\" >National Insurance Contributions - What Are They?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/realbusiness.co.uk\/class-4-national-insurance-used\/#What_Is_National_Insurance_Contributions_Class_4\" >What Is National Insurance Contributions Class 4?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/realbusiness.co.uk\/class-4-national-insurance-used\/#What_Is_Class_2_National_Insurance_And_How_Does_It_Differ_From_Class_4_NIC\" >What Is Class 2 National Insurance, And How Does It Differ From Class 4 NIC?<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/realbusiness.co.uk\/class-4-national-insurance-used\/#Making_Voluntary_National_Insurance_Contributions\" >Making Voluntary National Insurance Contributions<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/realbusiness.co.uk\/class-4-national-insurance-used\/#Is_Class_Two_National_Insurance_Being_Abolished\" >Is Class Two National Insurance Being Abolished?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/realbusiness.co.uk\/class-4-national-insurance-used\/#What_Are_National_Insurance_Contributions_Used_For\" >What Are National Insurance Contributions Used For?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/realbusiness.co.uk\/class-4-national-insurance-used\/#Other_Taxes_For_Self-Employed_People\" >Other Taxes For Self-Employed People<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/realbusiness.co.uk\/class-4-national-insurance-used\/#Possible_Exemptions_For_The_Self-Employed_Taxpayers\" >Possible Exemptions For The Self-Employed Taxpayers<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/realbusiness.co.uk\/class-4-national-insurance-used\/#Conclusion\" >Conclusion<\/a><\/li><\/ul><\/nav><\/div>\n\n<h2><strong>National Insurance Contributions &#8211; What Are They? <\/strong><\/h2>\n<p>National insurance classes range from 1 &#8211; 4, and each one is a tax levied and adjusted for different working groups for fairness purposes. For a quick summary:<\/p>\n<table>\n<colgroup>\n<col \/>\n<col \/><\/colgroup>\n<tbody>\n<tr>\n<th colspan=\"1\" rowspan=\"1\"><strong>Class<\/strong><\/th>\n<th colspan=\"1\" rowspan=\"1\"><strong>Who Pays<\/strong><\/th>\n<\/tr>\n<tr>\n<th colspan=\"1\" rowspan=\"1\"><strong>Class 1<\/strong><\/th>\n<td colspan=\"1\" rowspan=\"1\">Employees earning above the threshold<\/td>\n<\/tr>\n<tr>\n<th colspan=\"1\" rowspan=\"1\"><strong>Class 1A\/1B<\/strong><\/th>\n<td colspan=\"1\" rowspan=\"1\">Employers<\/td>\n<\/tr>\n<tr>\n<th colspan=\"1\" rowspan=\"1\"><strong>Class 2<\/strong><\/th>\n<td colspan=\"1\" rowspan=\"1\">Self-employed above small profits threshold<\/td>\n<\/tr>\n<tr>\n<th colspan=\"1\" rowspan=\"1\"><strong>Class 3<\/strong><\/th>\n<td colspan=\"1\" rowspan=\"1\">Voluntary contributions<\/td>\n<\/tr>\n<tr>\n<th colspan=\"1\" rowspan=\"1\"><strong>Class 4<\/strong><\/th>\n<td colspan=\"1\" rowspan=\"1\">Self-employed above lower profits limit<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>The state benefits funded involve:<\/p>\n<ul>\n<li><strong>State Pension<\/strong><\/li>\n<li><strong>New State Pension<\/strong><\/li>\n<li><strong>Contribution-Based Jobseeker\u2019s Allowance (JSA)<\/strong><\/li>\n<li><strong>Contribution-Based Employment and Support Allowance (ESA)<\/strong><\/li>\n<li><strong>Maternity Allowance<\/strong><\/li>\n<li><strong>Bereavement Support Payment<\/strong><\/li>\n<li><strong>Some aspects of the NHS<\/strong><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p>By paying into the system, you gain access to state pension when you reach state pension age, and contribution-based allowances when you meet other eligibility criteria. Upon receiving your national insurance number at age 16, you must pay national insurance contributions when you work and are sorted into one of four national insurance classes.<\/p>\n<p><img fetchpriority=\"high\" decoding=\"async\" class=\" wp-image-193719 aligncenter lazyload\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" data-src=\"https:\/\/realbusiness.co.uk\/wp-content\/uploads\/2022\/04\/shutterstock_2298792701-scaled.jpg\" alt=\"National Insurance Card\" width=\"813\" height=\"542\" \/><noscript><img decoding=\"async\" class=\" wp-image-193719 aligncenter lazyload\" src=\"https:\/\/realbusiness.co.uk\/wp-content\/uploads\/2022\/04\/shutterstock_2298792701-scaled.jpg\" alt=\"National Insurance Card\" width=\"813\" height=\"542\" srcset=\"https:\/\/realbusiness.co.uk\/wp-content\/uploads\/2022\/04\/shutterstock_2298792701-scaled.jpg 1200w, https:\/\/realbusiness.co.uk\/wp-content\/uploads\/2022\/04\/shutterstock_2298792701-300x200.jpg 300w, https:\/\/realbusiness.co.uk\/wp-content\/uploads\/2022\/04\/shutterstock_2298792701-1024x683.jpg 1024w, https:\/\/realbusiness.co.uk\/wp-content\/uploads\/2022\/04\/shutterstock_2298792701-1536x1024.jpg 1536w, https:\/\/realbusiness.co.uk\/wp-content\/uploads\/2022\/04\/shutterstock_2298792701-2048x1365.jpg 2048w\" sizes=\"(max-width: 813px) 100vw, 813px\" \/><\/noscript><\/p>\n<h2><span class=\"ez-toc-section\" id=\"What_Is_National_Insurance_Contributions_Class_4\"><\/span><strong>What Is National Insurance Contributions Class 4?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>National Insurance class 4 is reserved for those who are in self-employment, and earning above the lower profits limit, which is set at \u00a312,570 annually for the tax year of 2024 &#8211; 2025. From there, a fixed tax percentage (currently 10.25% for 2024-25) is applied to profits between the lower profits limit (\u00a312,570) and the upper profits limit (\u00a350,270).<\/p>\n<p>It&#8217;s not paid like a Class 1 national insurance, which is a PAYE (Pay As You Earn) tax code that automatically deducts from your employment income. This is because it&#8217;s the job of the employer, who holds and releases the funds, to deduct.<\/p>\n<p>So if you have no employer, which self-employed taxpayers don&#8217;t, then you are responsible for the deduction yourself. It&#8217;s done so via self-assessment tax return forms.<\/p>\n<p>The process is as follows:<\/p>\n<ol>\n<li><strong>Register and receive form &#8211; <\/strong>You have to register with HMRC. There, you can do an online self-assessment or request a paper form. We highly recommend going online, as it&#8217;s faster and more convenient for all parties involved.<\/li>\n<li><strong>Gather information &#8211; <\/strong>The necessary information consists of annual profit income from business accounts, records of expenses and income, and any other details relevant to cash flow and taxes, such as pension contributions and student loans.<\/li>\n<li><strong>Calculate Class 4 NIC &#8211; <\/strong>Use the tax calculation tools built into the online software. For paper form, you will have to do this yourself.<\/li>\n<li><strong>Submit the return &#8211; <\/strong>The 31st of October is the deadline for the paper submission, and the 31st of January is the deadline for the online tax return.<\/li>\n<\/ol>\n<p>&nbsp;<\/p>\n<p><img decoding=\"async\" class=\" wp-image-193720 aligncenter lazyload\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" data-src=\"https:\/\/realbusiness.co.uk\/wp-content\/uploads\/2022\/04\/shutterstock_2426265163-scaled.jpg\" alt=\"State Benefits\" width=\"754\" height=\"503\" \/><noscript><img loading=\"lazy\" decoding=\"async\" class=\" wp-image-193720 aligncenter lazyload\" src=\"https:\/\/realbusiness.co.uk\/wp-content\/uploads\/2022\/04\/shutterstock_2426265163-scaled.jpg\" alt=\"State Benefits\" width=\"754\" height=\"503\" srcset=\"https:\/\/realbusiness.co.uk\/wp-content\/uploads\/2022\/04\/shutterstock_2426265163-scaled.jpg 1200w, https:\/\/realbusiness.co.uk\/wp-content\/uploads\/2022\/04\/shutterstock_2426265163-300x200.jpg 300w, https:\/\/realbusiness.co.uk\/wp-content\/uploads\/2022\/04\/shutterstock_2426265163-1024x683.jpg 1024w, https:\/\/realbusiness.co.uk\/wp-content\/uploads\/2022\/04\/shutterstock_2426265163-1536x1024.jpg 1536w, https:\/\/realbusiness.co.uk\/wp-content\/uploads\/2022\/04\/shutterstock_2426265163-2048x1366.jpg 2048w\" sizes=\"(max-width: 754px) 100vw, 754px\" \/><\/noscript><\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_Is_Class_2_National_Insurance_And_How_Does_It_Differ_From_Class_4_NIC\"><\/span>What Is Class 2 National Insurance, And How Does It Differ From Class 4 NIC?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Class 2 national insurance and class 4 NIC are similar in that they are both for workers with self-employment status, but differ in criteria:<\/p>\n<table>\n<colgroup>\n<col \/>\n<col \/>\n<col \/><\/colgroup>\n<tbody>\n<tr>\n<th colspan=\"1\" rowspan=\"1\"><strong>Aspect<\/strong><\/th>\n<th colspan=\"1\" rowspan=\"1\"><strong>Class 2 NIC<\/strong><\/th>\n<th colspan=\"1\" rowspan=\"1\"><strong>Class 4 NIC<\/strong><\/th>\n<\/tr>\n<tr>\n<th colspan=\"1\" rowspan=\"1\"><strong>Who pays<\/strong><\/th>\n<td colspan=\"1\" rowspan=\"1\">Self-employed workers<\/td>\n<td colspan=\"1\" rowspan=\"1\">Self-employed workers<\/td>\n<\/tr>\n<tr>\n<th colspan=\"1\" rowspan=\"1\"><strong>Threshold<\/strong><\/th>\n<td colspan=\"1\" rowspan=\"1\">Payable when profits exceed the small profits threshold (\u00a36,725 for the 2024\/2025 tax year)<\/td>\n<td colspan=\"1\" rowspan=\"1\">Payable if profits exceed the lower profits limit (\u00a312,570 for the 2024\/2025 tax year)<\/td>\n<\/tr>\n<tr>\n<th colspan=\"1\" rowspan=\"1\"><strong>Rate<\/strong><\/th>\n<td colspan=\"1\" rowspan=\"1\">Fixed weekly amount (\u00a33.45 per week for the 2024\/2025 tax year)<\/td>\n<td colspan=\"1\" rowspan=\"1\">10.25% of profits between lower and upper profits limit (\u00a350,270)<\/td>\n<\/tr>\n<tr>\n<th colspan=\"1\" rowspan=\"1\"><strong>Purpose<\/strong><\/th>\n<td colspan=\"1\" rowspan=\"1\">Builds entitlement to state benefits<\/td>\n<td colspan=\"1\" rowspan=\"1\">General contribution to national insurance fund<\/td>\n<\/tr>\n<tr>\n<th colspan=\"1\" rowspan=\"1\"><strong>How Paid<\/strong><\/th>\n<td colspan=\"1\" rowspan=\"1\">Self-assessment tax return<\/td>\n<td colspan=\"1\" rowspan=\"1\">Self-assessment tax return<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2><span class=\"ez-toc-section\" id=\"Making_Voluntary_National_Insurance_Contributions\"><\/span><strong>Making Voluntary National Insurance Contributions<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>You are permitted to make voluntary National Insurance Contributions especially if there are gaps in your payment records to keep your NIC record strong, entitling you to state benefits. The steps to make these voluntary contributions are straightforward once you contact HMRC and set up a direct debit.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Is_Class_Two_National_Insurance_Being_Abolished\"><\/span><strong>Is Class Two National Insurance Being Abolished?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The 2018 budget included the announcement to abolish the Class 2 National Insurance starting from April 2019. It was a genuine attempt by the government to simplify the tax system for the <a href=\"https:\/\/realbusiness.co.uk\/pursuing-clarity-the-self-employed-desperately-need\"  data-wpil-monitor-id=\"79\">self-employed<\/a>.<\/p>\n<p>Despite their efforts, the Class 2 NICs remain to date because of certain concerns raised. Some people feared that the abolishment would result in higher National Insurance for the self-employed, which the government has denied.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"What_Are_National_Insurance_Contributions_Used_For\"><\/span><strong>What Are National Insurance Contributions Used For? <\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>This section lists the examples of state benefits funded by the UK government through collected National Insurance Contributions.<\/p>\n<ul>\n<li><strong>The National Health Service (NHS) \u2013<\/strong> The NHS is one of the important state benefits that is funded through National Insurance Contributions. It is a free healthcare service that is available to all UK residents at zero charge. The government claimed to increase the NIC rate in 2022 to provide extra funds to support its NHS scheme for the post-Covid era.\n<ul>\n<li><strong>Social Care \u2013<\/strong> Social care projects in the UK are also funded through the NICs. It covers the care provided to vulnerable residents such as the elderly and disabled. Social care includes home help, daycare and respite care, and was listed as one of the benefits in need of additional funds by the Chancellor in 2022.<\/li>\n<li><strong>The State Pension \u2013<\/strong> This refers to a regular payment made to people when they reach <a href=\"https:\/\/realbusiness.co.uk\/retirement-age-uk\"  data-wpil-monitor-id=\"80\">retirement age<\/a>. The state pension is an important benefit of National Insurance Contributions. The amount an individual gets would depend on how much NICs they pay throughout their working life. There is a minimum amount of National Insurance payment that qualifies a person for the state pension. That explains why some people voluntarily pay NICs to fill the gaps in their payment records.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<ul>\n<li><strong>Maternity and Paternity Leave \u2013 <\/strong>This is the leave that parents take when they have a new baby. A maternity\/paternity leave includes options like paid leave, flexible working time and time-off for antenatal appointments. The National Insurance funds this benefit package to give parents time to bond with their new baby without worrying about finances.<\/li>\n<\/ul>\n<ul>\n<li><strong>Sick Pay \u2013<\/strong> National Insurance also has provisions for those who are unable to work because of an illness or injury. A regular payment is made to such people to ease their recovery process.<\/li>\n<\/ul>\n<ul>\n<li><strong>Unemployment Benefit \u2013 <\/strong>This state benefit is for employees who lose their jobs and are in search of a new one. National Insurance regularly pays them unemployment benefits.<\/li>\n<\/ul>\n<ul>\n<li><strong>Universal Credit \u2013<\/strong> This initiative was recently introduced by the UK government to support those families on a low income or unemployed. It is a single payment made to the poorest families to ease their financial burden.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Other_Taxes_For_Self-Employed_People\"><\/span><strong>Other Taxes For Self-Employed People<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Learn about the other taxes that self-employed people pay in addition to National Insurance Contributions.<\/p>\n<ul>\n<li><strong>Income Tax \u2013 <\/strong>\u00a0refers to tax paid on income. The amount depends on your earnings for that tax year.<\/li>\n<\/ul>\n<ul>\n<li><strong>Capital Gains Tax \u2013 <\/strong>this is tax paid on any profit made through the sale of an asset.<\/li>\n<\/ul>\n<ul>\n<li><strong>Stamp Duty \u2013 <\/strong>refers to tax paid on the purchase of a property. The amount depends on the value of that property and surrounding circumstances.<\/li>\n<\/ul>\n<ul>\n<li><strong>Council Tax \u2013 <\/strong>the tax amount paid to your local authority for services provided. The total tax depends on the value of your properties.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Possible_Exemptions_For_The_Self-Employed_Taxpayers\"><\/span><strong>Possible Exemptions For The Self-Employed Taxpayers<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>There are certain exemptions you might be eligible to claim while filing a self-assessment tax return. They include:<\/p>\n<ul>\n<li><strong>Business Expenses \u2013 <\/strong>you can deduct business expenses like <a href=\"https:\/\/realbusiness.co.uk\/the-15-hidden-costs-of-moving-offices\"  data-wpil-monitor-id=\"81\">office costs<\/a>, travel costs and stationery when calculating tax on your self-assessment return.<\/li>\n<\/ul>\n<ul>\n<li><strong>Capital Allowances \u2013 <\/strong>you might be eligible to make claims for the cost of equipment or machinery you bought for your business.<\/li>\n<\/ul>\n<ul>\n<li><strong>Enterprise Investment Scheme \u2013<\/strong> you might also be eligible to claim the cost of investing in a new business.<\/li>\n<\/ul>\n<ul>\n<li><strong>Research and Development Tax Credit \u2013 <\/strong>an exemption for the cost of research and development spent on your business.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p>You can claim any of the above tax deductions from your self-assessment once you prove they are necessary costs of running the business, particularly useful for lowering your tax liability.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span><strong>Conclusion<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The Class 4 National Insurance is an important tax that self-employed people need to budget for if they\u2019re earning profits over the \u00a312,570 threshold. Contributions are made toward funding essential state benefits like the NHS, state pension, sick pay, and the care system. There is also the option to voluntarily pay NICs if you have gaps in your payment records. You can find out more about Class 4 National Insurance on the <a href=\"https:\/\/www.gov.uk\/self-employed-national-insurance-rates\" rel=\"noopener noreferrer\"><u>GOV UK website<\/u><\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>In the UK, Class 4 NIC (National Insurance Contributions) is a tax that the self-employed are required to pay for profits over \u00a312,570, and it&#8217;s used by the government to fund state benefits. But what are the rates, and how is it calculated? In this article, Real Business will explore the calculation rules behind class [&hellip;]<\/p>\n","protected":false},"author":26234,"featured_media":168741,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_mi_skip_tracking":false,"footnotes":""},"categories":[11974],"tags":[11887,3250,11978,3028],"class_list":["post-168736","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-business","tag-april-p","tag-national-insurance","tag-p2022","tag-self-employed"],"views":3790,"_links":{"self":[{"href":"https:\/\/realbusiness.co.uk\/wp-json\/wp\/v2\/posts\/168736","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/realbusiness.co.uk\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/realbusiness.co.uk\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/realbusiness.co.uk\/wp-json\/wp\/v2\/users\/26234"}],"replies":[{"embeddable":true,"href":"https:\/\/realbusiness.co.uk\/wp-json\/wp\/v2\/comments?post=168736"}],"version-history":[{"count":0,"href":"https:\/\/realbusiness.co.uk\/wp-json\/wp\/v2\/posts\/168736\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/realbusiness.co.uk\/wp-json\/wp\/v2\/media\/168741"}],"wp:attachment":[{"href":"https:\/\/realbusiness.co.uk\/wp-json\/wp\/v2\/media?parent=168736"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/realbusiness.co.uk\/wp-json\/wp\/v2\/categories?post=168736"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/realbusiness.co.uk\/wp-json\/wp\/v2\/tags?post=168736"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}