{"id":294662,"date":"2021-07-09T07:21:00","date_gmt":"2021-07-09T04:21:00","guid":{"rendered":"https:\/\/en.buradabiliyorum.com\/what-will-you-do-with-your-enhanced-child-tax-credit-here-are-3-smart-options\/"},"modified":"2021-07-09T07:21:00","modified_gmt":"2021-07-09T04:21:00","slug":"what-will-you-do-with-your-enhanced-child-tax-credit-here-are-3-smart-options","status":"publish","type":"post","link":"https:\/\/buradabiliyorum.com\/en\/what-will-you-do-with-your-enhanced-child-tax-credit-here-are-3-smart-options\/","title":{"rendered":"#: What will you do with your enhanced Child Tax Credit? Here are 3 smart options"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_84 counter-hierarchy ez-toc-counter ez-toc-custom 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-6a22eb0501ee2\" 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: #dd3333;color:#dd3333\" 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: #dd3333;color:#dd3333\" 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-6a22eb0501ee2\" checked 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:\/\/buradabiliyorum.com\/en\/what-will-you-do-with-your-enhanced-child-tax-credit-here-are-3-smart-options\/#The_monthly_payments_300_per_child_under_age_6_and_250_per_child_between_age_6_and_17_begin_July_15\" >The monthly payments, $300 per child under age 6 and $250 per child between age 6 and 17, begin July 15<\/a><ul class='ez-toc-list-level-6' ><li class='ez-toc-heading-level-6'><ul class='ez-toc-list-level-6' ><li class='ez-toc-heading-level-6'><ul class='ez-toc-list-level-6' ><li class='ez-toc-heading-level-6'><ul class='ez-toc-list-level-6' ><li class='ez-toc-heading-level-6'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/buradabiliyorum.com\/en\/what-will-you-do-with-your-enhanced-child-tax-credit-here-are-3-smart-options\/#Surprising_benefits_of_529_plans\" >Surprising benefits of 529 plans<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-6'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/buradabiliyorum.com\/en\/what-will-you-do-with-your-enhanced-child-tax-credit-here-are-3-smart-options\/#Retirement_accounts_Yes_really\" >Retirement accounts? Yes, really<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-6'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/buradabiliyorum.com\/en\/what-will-you-do-with-your-enhanced-child-tax-credit-here-are-3-smart-options\/#Set_up_an_estate_plan\" >Set up an estate plan<\/a><\/li><\/ul><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/buradabiliyorum.com\/en\/what-will-you-do-with-your-enhanced-child-tax-credit-here-are-3-smart-options\/#Andrew_Keshner\" >Andrew Keshner<\/a><\/li><\/ul><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<p>&#8220;<strong>#: What will you do with your enhanced Child Tax Credit? Here are 3 smart options<\/strong>&#8221;<\/p>\n<h2 class=\"article__subhead\" itemprop=\"alternativeHeadline\"><span class=\"ez-toc-section\" id=\"The_monthly_payments_300_per_child_under_age_6_and_250_per_child_between_age_6_and_17_begin_July_15\"><\/span>\n  The monthly payments, $300 per child under age 6 and $250 per child between age 6 and 17, begin July 15<br \/>\n<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><\/p>\n<div class=\"column column--full article__content\">\n<div class=\"article__side\">\n<div class=\"container--sticky not-active\">\n<div id=\"cx-next\" data-nosnippet>\n              <\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div id=\"js-article__body\" class=\"article__body article-wrap at16-col16 barrons-article-wrap\" itemprop=\"articleBody\" data-sbid=\"WP-MKTW-0000330320\">\n<div class=\"barrons-article-ad-wrapper\">\n<div data-track=\"barrons-article-ad-wrap\" class=\"barrons-article-ad sticky_item\">\n<div class=\"barrons-main-article-ad-target sticky_target body_ad\" aria-hidden=\"true\"><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div data-layout=\"\n                inline\" data-layout-mobile=\"\" class=\"\n          media-object\n          type-InsetArticleReader\n              \n              inline\n  article__inset\n          article__inset--type-InsetArticleReader\n              article__inset--inline\n  \"><\/p>\n<div class=\"media-object-article-reader\">\n<div class=\"audioplayer\" data-sbid=\"WP-MKTW-0000330320\" role=\"region\" aria-label=\"Listen to Article\" tabindex=\"-1\" id=\"articlereader\" data-show-title=\"false\" data-theme=\"wsj-article-reader\" data-show-header=\"false\" data-show-subscribe=\"false\" data-ads-enabled=\"true\" data-save-publication=\"false\">\n        <\/div>\n<\/p><\/div>\n<\/p><\/div>\n<p>       What will <em>you<\/em> do when you get it?<\/p>\n<p> Some 39 million households, accounting for almost 90% of U.S. families, will receive the enhanced Child Tax Credit. The Internal Revenue Service will distribute the payments the middle of every month, from July 15 to December 15. <\/p>\n<p>Eligible parents with kids under age six will get $300\/month per child while parents with kids ages 6 to 17 will receive $250\/month per child. <\/p>\n<div class=\"paywall\">\n       Millions of parents will view the money as a financial lifeline. The money could potentially halve child poverty when combined with other federal cash assistance, some researchers say.<\/p>\n<div data-layout=\"inline\n                \" data-layout-mobile=\"\" class=\"\n          media-object\n          type-InsetPullQuote\n            inline\n    scope-web|mobileapps\n  article__inset\n          article__inset--type-InsetPullQuote\n            article__inset--inline\n  \"><\/p>\n<div class=\"wsj-article-pullquote article__inset__pullquote \">\n<p class=\"pullquote-content article__inset__pullquote__quote\">\n        <span class=\"l-qt article__inset__pullquote__mark--left\">\u201c<\/span><br \/>\n        The CTC money could potentially halve child poverty when combined with other federal cash assistance, researchers say.<br \/>\n        <span class=\"r-qt article__inset__pullquote__mark--right\">\u201d<\/span><\/p><\/div>\n<\/p><\/div>\n<p>       But just like the government\u2019s previous COVID-related stimulus payments, some parents will regard the payments as a windfall. Seth Mullikin, principal at Lattice Financial in Charlotte, N.C., says this is a \u201cgood problem to have.\u201d<\/p>\n<p> Mullikin and other financial advisers point out some savings and investment moves to help kids pay for college \u2014 and even put towards their retirement. They could also provide your child\u2019s first crash course in financial literacy, they add.<\/p>\n<p>The tax credit has been around for decades, but the $1.9 trillion American Rescue Plan made some significant changes for one year only. It increased from $2,000 per child to $3,600 for children under age 6, and $3,000 for kids ages 6 to 17. <\/p>\n<p>The CTC was previously paid as a lump sum, layered onto a person\u2019s income-tax refund. Half of the total amount will paid as an advance in monthly installments,  for this year only for qualifying families.<\/p>\n<h6><span class=\"ez-toc-section\" id=\"Surprising_benefits_of_529_plans\"><\/span>Surprising benefits of 529 plans<span class=\"ez-toc-section-end\"><\/span><\/h6>\n<p>Families can withdraw money from a 529 account without paying federal and state income taxes on it in most states, as long as the funds go toward qualified higher education expenses like tuition, books and laptops. <\/p>\n<p>A student with a scholarship can still use the money for other costs like room and board. If the intended beneficiary doesn\u2019t go to college, the money can be rolled over to another person in their family.<\/p>\n<div id=\"cx-membership-tile\"><\/div>\n<p>Catherine Valega of Green Bee Advisory in Boston, Mass., said such a plan would be a great place to start for families who are looking for places to deposit their extra CTC cash.<\/p>\n<div data-layout=\"inline\n                \" data-layout-mobile=\"\" class=\"\n          media-object\n          type-InsetPullQuote\n            inline\n    scope-web|mobileapps\n  article__inset\n          article__inset--type-InsetPullQuote\n            article__inset--inline\n  \"><\/p>\n<div class=\"wsj-article-pullquote article__inset__pullquote \">\n<p class=\"pullquote-content article__inset__pullquote__quote\">\n        <span class=\"l-qt article__inset__pullquote__mark--left\">\u201c<\/span><br \/>\n        By the end of 2020, there were almost 15 million 529 college savings accounts, according to the College Savings Plans Network.<br \/>\n        <span class=\"r-qt article__inset__pullquote__mark--right\">\u201d<\/span><\/p><\/div>\n<\/p><\/div>\n<p>       Like 401(k) accounts, 529 accounts are defined-contribution plans tied to market performance. How the money is invested depends on the risk tolerance and the number of years before college starts. <\/p>\n<p> Many plans offer age-based investment options that grow increasingly conservative as the beneficiary nears college. Risk-based investments, regardless of the beneficiary\u2019s age, are another option.<\/p>\n<p>The earnings inside the tax-advantaged 529 plans will not be taxed by the IRS, nor by state tax authorities, <a rel=\"nofollow noopener\" target=\"_blank\" href=\"https:\/\/www.hrblock.com\/tax-center\/filing\/adjustments-and-deductions\/are-529-contributions-tax-deductible\/\" class=\"icon none\">according to<\/a> H&amp;R Block<br \/>\n        HRB,<br \/>\n        <bg-quote field=\"percentchange\" format=\"0,000.00%\" channel=\"\/zigman2\/quotes\/207406664\/composite\" class=\"negative\">-0.25%<\/bg-quote><span>.<\/span><br \/>\n       Contributions to a 529 plan are not deductible in federal taxes.<\/p>\n<p>Even a little helps. Say the parents of a one-year-old child deposit $3,600 into a 529 plan. With a 6% annual return and no further contributions, that money will grow to $10,275 when the child is age 18, he said.<\/p>\n<p>By the end of 2020, there were almost 15 million 529 college savings accounts, according to the College Savings Plans Network, an organization offering information to states running college savings plans.<\/p>\n<p>These accounts contain more than $425 billion in assets and the average balance was $28,679 by the end of the year, <a rel=\"nofollow noopener\" target=\"_blank\" href=\"https:\/\/www.collegesavings.org\/wp-content\/uploads\/2021\/02\/cspn-onepager-2020-Year-end_x4.pdf\" class=\"icon none\">the organization said<\/a>.<\/p>\n<h6><span class=\"ez-toc-section\" id=\"Retirement_accounts_Yes_really\"><\/span>Retirement accounts? Yes, really<span class=\"ez-toc-section-end\"><\/span><\/h6>\n<p>There are various types of custodial accounts \u2014 accounts that parents establish when their children are minors \u2014 but Valega and Mullikin say a custodial Roth IRA is a good option for the enhanced Child Tax Credit payments.<\/p>\n<p>Traditional IRAs contain pretax dollars, so the money is taxed when withdrawn. But the money in Roth IRAs is post-tax, so it can be withdrawn tax-free decades from now. What should you do with CTC cash? Valega says, \u201cLet\u2019s do a Roth.\u201d<\/p>\n<p>Not only does it give an individual the obvious advantage of getting a head start on saving for retirement, but owning such an account can put retirement on your child\u2019s radar and kickstart their retirement planning.<\/p>\n<div data-layout=\"inline\n                \" data-layout-mobile=\"\" class=\"\n          media-object\n          type-InsetPullQuote\n            inline\n    scope-web|mobileapps\n  article__inset\n          article__inset--type-InsetPullQuote\n            article__inset--inline\n  \"><\/p>\n<div class=\"wsj-article-pullquote article__inset__pullquote \">\n<p class=\"pullquote-content article__inset__pullquote__quote\">\n        <span class=\"l-qt article__inset__pullquote__mark--left\">\u201c<\/span><br \/>\n        Would you like your child to wow his or her classmates with the latest on subjects like IRAs, taxes and compound interest?<br \/>\n        <span class=\"r-qt article__inset__pullquote__mark--right\">\u201d<\/span><\/p><\/div>\n<\/p><\/div>\n<p>       Would you like your child to wow his or her classmates with the latest on subjects like IRAs, taxes and compound interest? \u201cYou are going to be light years ahead of all your peers in terms of financial literacy,\u201d Valega said.<\/p>\n<p> There are caveats. As MarketWatch\u2019s Tax Guy Bill Bischoff explains: \u201cWhen funds are transferred into a minor child\u2019s custodial account at a financial institution or brokerage firm, the funds now irrevocably belong to that child.\u201d<\/p>\n<p>The current maximum annual contribution for a custodial account is $6,000, or the the maximum of a child\u2019s earned income for the year \u2014 whether it\u2019s babysitting or gardening \u2014 whichever amount is less, <a rel=\"nofollow noopener\" target=\"_blank\" href=\"https:\/\/www.fidelity.com\/learning-center\/personal-finance\/retirement\/turbocharge-childs-retirement\" class=\"icon none\">according to Fidelity Investments.<\/a> <\/p>\n<p>If a child just makes $2,000 from a summer job, $2,000 is the contribution limit. The money does not need to come directly from the child\u2019s wallet, Mullikin noted. Parents, for instance, may decide to match their kid\u2019s income with contributions.<\/p>\n<p>Other types of custodial accounts include brokerage accounts, but Valega said parents and kids need to be careful. A custodial brokerage account is technically the child\u2019s asset, and they oversee it when they are no longer a minor.<\/p>\n<p>Some 20% of custodial accounts should be made available for college bills to avail of federal financial aid. A maximum of 5.64% of 529 college savings plans should be made available for college<a rel=\"nofollow noopener\" target=\"_blank\" href=\"https:\/\/www.schwab.com\/resource-center\/insights\/content\/saving-for-college-custodial-accounts\" class=\"icon none\"> <\/a>to qualify for federal financial aid.<\/p>\n<p>Roth IRAs are not deemed an asset by federal financial aid formulas when assessing parents ability to pay for their children\u2019s college fees, Valega said.<\/p>\n<h6><span class=\"ez-toc-section\" id=\"Set_up_an_estate_plan\"><\/span>Set up an estate plan<span class=\"ez-toc-section-end\"><\/span><\/h6>\n<p>Some parents should consider skipping the CTC cash, experts say, because the advanced payments are subject to income eligibility rules like $75,000 for individuals and $150,000 for married couples filing jointly.<\/p>\n<p><a rel=\"nofollow noopener\" target=\"_blank\" href=\"https:\/\/www.irs.gov\/credits-deductions\/2021-child-tax-credit-and-advance-child-tax-credit-payments-topic-h-reconciling-your-advance-child-tax-credit-payments-on-your-2021-tax-return\" class=\"icon none\">If the IRS determines<\/a> that the CTC has been overpaid a family based on their 2021 income, it will either deduct the overpayment from the household\u2019s refund next tax season or tack the sum onto the tax bill. <\/p>\n<p>If you already have a 529 plan and\/or custodial account for your children, consider setting up a will and\/or a living will for healthcare decisions, said Gregory Giardino, a financial adviser at J.M. Franklin &amp; Company, based in Tarrytown, N.Y.<\/p>\n<div data-layout=\"inline\n                \" data-layout-mobile=\"\" class=\"\n          media-object\n          type-InsetPullQuote\n            inline\n    scope-web|mobileapps\n  article__inset\n          article__inset--type-InsetPullQuote\n            article__inset--inline\n  \"><\/p>\n<div class=\"wsj-article-pullquote article__inset__pullquote \">\n<p class=\"pullquote-content article__inset__pullquote__quote\">\n        <span class=\"l-qt article__inset__pullquote__mark--left\">\u201c<\/span><br \/>\n        Wills can dictate inheritances, who serves as a guardian for a child, a trustee for an estate or who serves as power of attorney.<br \/>\n        <span class=\"r-qt article__inset__pullquote__mark--right\">\u201d<\/span><\/p><\/div>\n<\/p><\/div>\n<p>       Wills can dictate inheritances, who serves as a guardian for a child, a trustee for an estate or who serves as power of attorney. Such documents are \u201cinvaluable in protecting your children,\u201c he said.<\/p>\n<p> But many Americans overlook the process. <a rel=\"nofollow noopener\" target=\"_blank\" href=\"https:\/\/www.caring.com\/caregivers\/estate-planning\/wills-survey\/\" class=\"icon none\">Two-thirds<\/a> of Americans in one December survey said they didn\u2019t have a will and <a href=\"https:\/\/buradabiliyorum.com\/en\/category\/social-mediaa\/\" data-internallinksmanager029f6b8e52c=\"1\" title=\"Social Media\" target=\"_blank\" rel=\"noopener\">media<\/a> reports are dotted with stories of wealthy celebrities who have died without wills.<\/p>\n<p>Attorneys can charge between $150 and $600 to draft a will, according to <a rel=\"nofollow noopener\" target=\"_blank\" href=\"https:\/\/info.legalzoom.com\/article\/average-cost-making-will\" class=\"icon none\">LegalZoom<\/a>. The cost might range up to $1,000, according to <a rel=\"nofollow noopener\" target=\"_blank\" href=\"https:\/\/www.aarp.org\/money\/estate-planning\/info-03-2011\/cost-effective-wills.html\" class=\"icon none\">AARP<\/a>, \u00a0formerly the American Association of Retired Persons.<\/p>\n<p>\u201cIt can create more control and direction over your wealth, should the unexpected occur,\u201d Giardino said. After 16 months of a global public-health crisis, many parents might be able to relate to that.<\/p><\/div>\n<\/div><\/div>\n<p><\/p>\n<div class=\"byline article__byline\">\n<p>      <span>By<\/span><\/p>\n<div class=\"author  hasMenu\" data-scrim='{\"type\":\"author\",\"header\":\"Andrew Keshner\",\"subhead\":\"The Wall Street Journal\",\"list\":[]}' itemscope itemprop=\"author\" itemtype=\"http:\/\/schema.org\/Person\">\n<h4 itemprop=\"name\"><span class=\"ez-toc-section\" id=\"Andrew_Keshner\"><\/span>Andrew Keshner<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/p><\/div>\n<\/div>\n<blockquote><p><strong><span style=\"color: #ff6600;\">If you liked the article, do not forget to share it with your friends. Follow us on\u00a0<span style=\"color: #ff0000;\"><a style=\"color: #ff0000;\" href=\"https:\/\/news.google.com\/publications\/CAAqBwgKMLG0nwswvr63Aw\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">Google News<\/a><\/span>\u00a0too, click on the star and choose us from your favorites.<\/span><\/strong><\/p><\/blockquote>\n<blockquote>\n<p style=\"text-align: center;\">For forums sites go to <span style=\"color: #ff9900;\"><a style=\"color: #ff9900;\" href=\"https:\/\/forum.buradabiliyorum.com\/\" target=\"_blank\" rel=\"noopener\">Forum.BuradaBiliyorum.Com<\/a><\/span><\/strong><\/p>\n<\/blockquote>\n<blockquote>\n<p style=\"text-align: center;\"><strong>If you want to read more <a href=\"https:\/\/buradabiliyorum.com\/en\/category\/news\/\" data-internallinksmanager029f6b8e52c=\"2\" title=\"News\" target=\"_blank\" rel=\"noopener\">News<\/a> articles, you can visit our <span style=\"color: #ff9900;\"><a style=\"color: #ff9900;\" href=\"https:\/\/en.buradabiliyorum.com\/news\/\" target=\"_blank\" rel=\"noopener\">News category.<\/a><\/span><\/strong><\/p>\n<\/blockquote>\n<p><span style=\"color: black;\"><a style=\"color: #ff9900;\" href=\"http:\/\/www.marketwatch.com\/news\/story.asp?guid=%7B20C05575-04D4-B545-750A-501A101F06E0%7D&#038;siteid=rss&#038;rss=1\" target=\"_blank\" rel=\"noopener\">Source<\/a><\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>&#8220;#: What will you do with your enhanced Child Tax Credit? Here are 3 smart options&#8221; The monthly payments, $300 per child under age 6 and $250 per child between age 6 and 17, begin July 15 What will you do when you get it? Some 39 million households, accounting for almost 90% of U.S&#8230;.<\/p>\n","protected":false},"author":1,"featured_media":294663,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"fifu_image_url":"","fifu_image_alt":"","footnotes":""},"categories":[70897],"tags":[],"class_list":["post-294662","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news"],"_links":{"self":[{"href":"https:\/\/buradabiliyorum.com\/en\/wp-json\/wp\/v2\/posts\/294662","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/buradabiliyorum.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/buradabiliyorum.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/buradabiliyorum.com\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/buradabiliyorum.com\/en\/wp-json\/wp\/v2\/comments?post=294662"}],"version-history":[{"count":0,"href":"https:\/\/buradabiliyorum.com\/en\/wp-json\/wp\/v2\/posts\/294662\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/buradabiliyorum.com\/en\/wp-json\/wp\/v2\/media\/294663"}],"wp:attachment":[{"href":"https:\/\/buradabiliyorum.com\/en\/wp-json\/wp\/v2\/media?parent=294662"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/buradabiliyorum.com\/en\/wp-json\/wp\/v2\/categories?post=294662"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/buradabiliyorum.com\/en\/wp-json\/wp\/v2\/tags?post=294662"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}