{"id":53,"date":"2008-03-07T20:38:13","date_gmt":"2008-03-07T20:38:13","guid":{"rendered":"https:\/\/bhgrealestateblog.com\/fraud-could-it-happen-to-you.html"},"modified":"2024-12-30T14:56:26","modified_gmt":"2024-12-30T19:56:26","slug":"fraud-could-it-happen-to-you","status":"publish","type":"post","link":"https:\/\/bhgrecareer.com\/bebetterblog\/fraud-could-it-happen-to-you\/","title":{"rendered":"Fraud:  Could it Happen to You?"},"content":{"rendered":"<p>As the news about the unprecedented fraud conducted by J\u00e9r\u00f4me Kerviel at <a title=\"Soci\u00e9t\u00e9 G\u00e9n\u00e9rale\" href=\"http:\/\/www.sgcib.com\/\" target=\"_blank\" rel=\"noopener\">Soci\u00e9t\u00e9 G\u00e9n\u00e9rale<\/a> continues to unfold <img decoding=\"async\" class=\"alignright size-full wp-image-1507\" style=\"border: black 2px solid\" title=\"jeromekerviel\" src=\"https:\/\/bhgrecareer.com\/bebetterblog\/wp-content\/uploads\/sites\/11\/2008\/03\/jeromekerviel.jpg\" alt=\"jeromekerviel\" width=\"108\" height=\"144\" srcset=\"https:\/\/bhgrecareer.com\/bebetterblog\/wp-content\/uploads\/sites\/11\/2008\/03\/jeromekerviel.jpg 300w, https:\/\/bhgrecareer.com\/bebetterblog\/wp-content\/uploads\/sites\/11\/2008\/03\/jeromekerviel-225x300.jpg 225w, https:\/\/bhgrecareer.com\/bebetterblog\/wp-content\/uploads\/sites\/11\/2008\/03\/jeromekerviel-100x133.jpg 100w\" sizes=\"(max-width: 108px) 100vw, 108px\" \/>before our eyes, it\u2019s easy to chalk this up as perhaps interesting reading but something irrelevant to most of us. But the unfortunate truth is fraud is happening every day, to companies of all sizes, and in every industry.<\/p>\n<p>The <a title=\"The Wells Report\" href=\"http:\/\/www.acfe.com\/documents\/2006-rttn.pdf\" target=\"_blank\" rel=\"noopener\">2006 Report to the Nation on Occupational Fraud and Abuse<\/a> is a sobering read. In it, the <a title=\"ACFE\" href=\"http:\/\/www.acfe.com\/\" target=\"_blank\" rel=\"noopener\">Association of Certified Fraud Examiners<\/a> (ACFE) has compiled data from over 1,000 fraud cases covering every imaginable company. From it, I thought the following figures were particularly relevant to our industry:<\/p>\n<ul>\n<li>The median loss per scheme was $159,000. For small business (100 or fewer employees) the news was worse: $190,000 per scheme.<\/li>\n<li>2.9{0a8e414e4f0423ce9f97e7209435b0fa449e6cffaf599cce0c556757c159a30c} of the cases were in the real estate industry, where the median loss per scheme was $200,000.<\/li>\n<li>The most common small business scheme was check tampering, which often happens when the person who makes the payments is the same one who records them.<\/li>\n<li>Most schemes went 18 months from the time fraud began until detection.<\/li>\n<li>Nearly 40{0a8e414e4f0423ce9f97e7209435b0fa449e6cffaf599cce0c556757c159a30c} of all cases involved two or more individuals. Median losses were almost five times higher when more than one person was involved.<\/li>\n<\/ul>\n<p>So what can you do? For starters, here are 5 steps all firms should take:<\/p>\n<ul>\n<li><strong><span style=\"text-decoration: underline\">Screen job applicants<\/span><\/strong>. Run criminal checks, credit checks, and verify what\u2019s on resumes (prior jobs, education, references, etc.). Take note however that although criminal checks of all employees is essential, the data shows that this is not the most important deterrent or detection method (as less than 8{0a8e414e4f0423ce9f97e7209435b0fa449e6cffaf599cce0c556757c159a30c} of all cases were perpetrated by individuals with prior criminal records).<\/li>\n<li><strong><span style=\"text-decoration: underline\">Establish an anonymous reporting line<\/span><\/strong>. Most small companies wouldn\u2019t ever consider having a 1-800 number to report fraud. But perhaps all owners should now be asking themselves whether or not they have an ethics policy. Every company, regardless of size, should have an ethics policy (for a free guide, click <a title=\"Ethics Guide\" href=\"http:\/\/www.managementhelp.org\/ethics\/ethxgde.htm\" target=\"_blank\" rel=\"noopener\">here<\/a>) and a confidential manner for employees to report violations. Fraud should be a part of this. The data shows that the most common method of detecting fraud was through tips and that companies with hotlines had median losses of $100,000 while going 15 months from beginning to detection. These figures are markedly better than the averages without hotlines. Unfortunately, less than 10{0a8e414e4f0423ce9f97e7209435b0fa449e6cffaf599cce0c556757c159a30c} of all businesses have anonymous fraud reporting systems.<\/li>\n<li><strong><span style=\"text-decoration: underline\">Establish controls<\/span>.<\/strong> Corporate and accounting controls aren\u2019t just for the big players. Either sign all checks yourself or require that all checks over a certain amount be approved by at least two people. Avoid check tampering by separating duties. Never allow the same person who writes the checks to be the one recording them.<\/li>\n<li><strong><span style=\"text-decoration: underline\">Regularly review all vendor and provider rolls<\/span>.<\/strong> Uncover fictitious vendors by looking for unfamiliar names or acronyms. Verify addresses (be especially watchful for any post office boxes). Research and cross-reference tax ID numbers.<\/li>\n<li><strong><span style=\"text-decoration: underline\">Train your employees<\/span>. <\/strong>Tell them of your ethics code and how to anonymously report violations. Make sure they know what to look for. For information on self-study courses, go to the <a title=\"AIPB\" href=\"http:\/\/www.aipb.org\/\" target=\"_blank\" rel=\"noopener\">American Institute of Professional Bookkeepers<\/a> site and click on Continuing Education.<\/li>\n<\/ul>\n<p>Unfortunately, I\u2019m only scratching the surface. I have on my desk the very ominous-sounding ACFE <a title=\"ACFE SBFPM\" href=\"http:\/\/eweb.acfe.com\/eweb\/dynamicpage.aspx?webcode=prodinfo&amp;short=yes&amp;prdkey=3861E33C-2E2A-4D73-8657-E7A8DB64F324\" target=\"_blank\" rel=\"noopener\">Small Business Fraud Prevention Manual<\/a> that I will study cover to cover. I know our future affiliates will expect as much of us.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>As the news about the unprecedented fraud conducted by J\u00e9r\u00f4me Kerviel at Soci\u00e9t\u00e9 G\u00e9n\u00e9rale continues to unfold before our eyes, it\u2019s easy to chalk this up as perhaps interesting reading but something irrelevant to most of us. But the unfortunate truth is fraud is happening every day, to companies of all sizes, and in every [&hellip;]<\/p>\n","protected":false},"author":181,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[181],"tags":[881,15681,25391,33981],"class_list":["post-53","post","type-post","status-publish","format-standard","hentry","category-real-estate","tag-accounting","tag-fraud","tag-management","tag-real-estate"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Fraud: Could it Happen to You?<\/title>\n<meta name=\"description\" content=\"five steps real estate brokers can take to avoid fraud\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/bhgrecareer.com\/bebetterblog\/fraud-could-it-happen-to-you\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Fraud: Could it Happen to You?\" \/>\n<meta property=\"og:description\" content=\"five steps real estate brokers can take to avoid fraud\" \/>\n<meta property=\"og:url\" content=\"https:\/\/bhgrecareer.com\/bebetterblog\/fraud-could-it-happen-to-you\/\" \/>\n<meta property=\"og:site_name\" content=\"Better Homes and Gardens Real Estate Be Better Blog\" \/>\n<meta property=\"article:published_time\" content=\"2008-03-07T20:38:13+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2024-12-30T19:56:26+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/bhgrecareer.com\/bebetterblog\/wp-content\/uploads\/sites\/11\/2008\/03\/jeromekerviel.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"300\" \/>\n\t<meta property=\"og:image:height\" content=\"400\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Elizabeth Byrne\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Elizabeth Byrne\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/bhgrecareer.com\/bebetterblog\/fraud-could-it-happen-to-you\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/bhgrecareer.com\/bebetterblog\/fraud-could-it-happen-to-you\/\"},\"author\":{\"name\":\"Elizabeth Byrne\",\"@id\":\"https:\/\/bhgrecareer.com\/bebetterblog\/#\/schema\/person\/cba2618c2f68146c705ea5ed10947fe4\"},\"headline\":\"Fraud: Could it Happen to You?\",\"datePublished\":\"2008-03-07T20:38:13+00:00\",\"dateModified\":\"2024-12-30T19:56:26+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/bhgrecareer.com\/bebetterblog\/fraud-could-it-happen-to-you\/\"},\"wordCount\":634,\"commentCount\":2,\"publisher\":{\"@id\":\"https:\/\/bhgrecareer.com\/bebetterblog\/#organization\"},\"image\":{\"@id\":\"https:\/\/bhgrecareer.com\/bebetterblog\/fraud-could-it-happen-to-you\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/bhgrecareer.com\/bebetterblog\/wp-content\/uploads\/sites\/11\/2008\/03\/jeromekerviel.jpg\",\"keywords\":[\"Accounting\",\"Fraud\",\"management\",\"Real estate\"],\"articleSection\":[\"Real estate\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/bhgrecareer.com\/bebetterblog\/fraud-could-it-happen-to-you\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/bhgrecareer.com\/bebetterblog\/fraud-could-it-happen-to-you\/\",\"url\":\"https:\/\/bhgrecareer.com\/bebetterblog\/fraud-could-it-happen-to-you\/\",\"name\":\"Fraud: Could it Happen to You?\",\"isPartOf\":{\"@id\":\"https:\/\/bhgrecareer.com\/bebetterblog\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/bhgrecareer.com\/bebetterblog\/fraud-could-it-happen-to-you\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/bhgrecareer.com\/bebetterblog\/fraud-could-it-happen-to-you\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/bhgrecareer.com\/bebetterblog\/wp-content\/uploads\/sites\/11\/2008\/03\/jeromekerviel.jpg\",\"datePublished\":\"2008-03-07T20:38:13+00:00\",\"dateModified\":\"2024-12-30T19:56:26+00:00\",\"description\":\"five steps real estate brokers can take to avoid fraud\",\"breadcrumb\":{\"@id\":\"https:\/\/bhgrecareer.com\/bebetterblog\/fraud-could-it-happen-to-you\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/bhgrecareer.com\/bebetterblog\/fraud-could-it-happen-to-you\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/bhgrecareer.com\/bebetterblog\/fraud-could-it-happen-to-you\/#primaryimage\",\"url\":\"https:\/\/bhgrecareer.com\/bebetterblog\/wp-content\/uploads\/sites\/11\/2008\/03\/jeromekerviel.jpg\",\"contentUrl\":\"https:\/\/bhgrecareer.com\/bebetterblog\/wp-content\/uploads\/sites\/11\/2008\/03\/jeromekerviel.jpg\",\"width\":300,\"height\":400},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/bhgrecareer.com\/bebetterblog\/fraud-could-it-happen-to-you\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/bhgrecareer.com\/bebetterblog\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Fraud: Could it Happen to You?\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/bhgrecareer.com\/bebetterblog\/#website\",\"url\":\"https:\/\/bhgrecareer.com\/bebetterblog\/\",\"name\":\"Better Homes and Gardens Real Estate Be Better Blog\",\"description\":\"Insights into the Real Estate Industry\",\"publisher\":{\"@id\":\"https:\/\/bhgrecareer.com\/bebetterblog\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/bhgrecareer.com\/bebetterblog\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/bhgrecareer.com\/bebetterblog\/#organization\",\"name\":\"Better Homes and Gardens Real Estate Be Better Blog\",\"url\":\"https:\/\/bhgrecareer.com\/bebetterblog\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/bhgrecareer.com\/bebetterblog\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/bhgrecareer.com\/bebetterblog\/wp-content\/uploads\/sites\/11\/2021\/11\/BHGRE_bug.png\",\"contentUrl\":\"https:\/\/bhgrecareer.com\/bebetterblog\/wp-content\/uploads\/sites\/11\/2021\/11\/BHGRE_bug.png\",\"width\":76,\"height\":76,\"caption\":\"Better Homes and Gardens Real Estate Be Better Blog\"},\"image\":{\"@id\":\"https:\/\/bhgrecareer.com\/bebetterblog\/#\/schema\/logo\/image\/\"}},{\"@type\":\"Person\",\"@id\":\"https:\/\/bhgrecareer.com\/bebetterblog\/#\/schema\/person\/cba2618c2f68146c705ea5ed10947fe4\",\"name\":\"Elizabeth Byrne\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/secure.gravatar.com\/avatar\/a49eb437a2433ab9a3fa67b891eeae5e208a3bcc759e71ae9cc366f39f09260e?s=96&d=mm&r=g\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/a49eb437a2433ab9a3fa67b891eeae5e208a3bcc759e71ae9cc366f39f09260e?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/a49eb437a2433ab9a3fa67b891eeae5e208a3bcc759e71ae9cc366f39f09260e?s=96&d=mm&r=g\",\"caption\":\"Elizabeth Byrne\"},\"url\":\"https:\/\/bhgrecareer.com\/bebetterblog\/author\/lizbyrne\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Fraud: Could it Happen to You?","description":"five steps real estate brokers can take to avoid fraud","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/bhgrecareer.com\/bebetterblog\/fraud-could-it-happen-to-you\/","og_locale":"en_US","og_type":"article","og_title":"Fraud: Could it Happen to You?","og_description":"five steps real estate brokers can take to avoid fraud","og_url":"https:\/\/bhgrecareer.com\/bebetterblog\/fraud-could-it-happen-to-you\/","og_site_name":"Better Homes and Gardens Real Estate Be Better Blog","article_published_time":"2008-03-07T20:38:13+00:00","article_modified_time":"2024-12-30T19:56:26+00:00","og_image":[{"width":300,"height":400,"url":"https:\/\/bhgrecareer.com\/bebetterblog\/wp-content\/uploads\/sites\/11\/2008\/03\/jeromekerviel.jpg","type":"image\/jpeg"}],"author":"Elizabeth Byrne","twitter_card":"summary_large_image","twitter_misc":{"Written by":"Elizabeth Byrne","Est. reading time":"3 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/bhgrecareer.com\/bebetterblog\/fraud-could-it-happen-to-you\/#article","isPartOf":{"@id":"https:\/\/bhgrecareer.com\/bebetterblog\/fraud-could-it-happen-to-you\/"},"author":{"name":"Elizabeth Byrne","@id":"https:\/\/bhgrecareer.com\/bebetterblog\/#\/schema\/person\/cba2618c2f68146c705ea5ed10947fe4"},"headline":"Fraud: Could it Happen to You?","datePublished":"2008-03-07T20:38:13+00:00","dateModified":"2024-12-30T19:56:26+00:00","mainEntityOfPage":{"@id":"https:\/\/bhgrecareer.com\/bebetterblog\/fraud-could-it-happen-to-you\/"},"wordCount":634,"commentCount":2,"publisher":{"@id":"https:\/\/bhgrecareer.com\/bebetterblog\/#organization"},"image":{"@id":"https:\/\/bhgrecareer.com\/bebetterblog\/fraud-could-it-happen-to-you\/#primaryimage"},"thumbnailUrl":"https:\/\/bhgrecareer.com\/bebetterblog\/wp-content\/uploads\/sites\/11\/2008\/03\/jeromekerviel.jpg","keywords":["Accounting","Fraud","management","Real estate"],"articleSection":["Real estate"],"inLanguage":"en-US","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/bhgrecareer.com\/bebetterblog\/fraud-could-it-happen-to-you\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/bhgrecareer.com\/bebetterblog\/fraud-could-it-happen-to-you\/","url":"https:\/\/bhgrecareer.com\/bebetterblog\/fraud-could-it-happen-to-you\/","name":"Fraud: Could it Happen to You?","isPartOf":{"@id":"https:\/\/bhgrecareer.com\/bebetterblog\/#website"},"primaryImageOfPage":{"@id":"https:\/\/bhgrecareer.com\/bebetterblog\/fraud-could-it-happen-to-you\/#primaryimage"},"image":{"@id":"https:\/\/bhgrecareer.com\/bebetterblog\/fraud-could-it-happen-to-you\/#primaryimage"},"thumbnailUrl":"https:\/\/bhgrecareer.com\/bebetterblog\/wp-content\/uploads\/sites\/11\/2008\/03\/jeromekerviel.jpg","datePublished":"2008-03-07T20:38:13+00:00","dateModified":"2024-12-30T19:56:26+00:00","description":"five steps real estate brokers can take to avoid fraud","breadcrumb":{"@id":"https:\/\/bhgrecareer.com\/bebetterblog\/fraud-could-it-happen-to-you\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/bhgrecareer.com\/bebetterblog\/fraud-could-it-happen-to-you\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/bhgrecareer.com\/bebetterblog\/fraud-could-it-happen-to-you\/#primaryimage","url":"https:\/\/bhgrecareer.com\/bebetterblog\/wp-content\/uploads\/sites\/11\/2008\/03\/jeromekerviel.jpg","contentUrl":"https:\/\/bhgrecareer.com\/bebetterblog\/wp-content\/uploads\/sites\/11\/2008\/03\/jeromekerviel.jpg","width":300,"height":400},{"@type":"BreadcrumbList","@id":"https:\/\/bhgrecareer.com\/bebetterblog\/fraud-could-it-happen-to-you\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/bhgrecareer.com\/bebetterblog\/"},{"@type":"ListItem","position":2,"name":"Fraud: Could it Happen to You?"}]},{"@type":"WebSite","@id":"https:\/\/bhgrecareer.com\/bebetterblog\/#website","url":"https:\/\/bhgrecareer.com\/bebetterblog\/","name":"Better Homes and Gardens Real Estate Be Better Blog","description":"Insights into the Real Estate Industry","publisher":{"@id":"https:\/\/bhgrecareer.com\/bebetterblog\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/bhgrecareer.com\/bebetterblog\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/bhgrecareer.com\/bebetterblog\/#organization","name":"Better Homes and Gardens Real Estate Be Better Blog","url":"https:\/\/bhgrecareer.com\/bebetterblog\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/bhgrecareer.com\/bebetterblog\/#\/schema\/logo\/image\/","url":"https:\/\/bhgrecareer.com\/bebetterblog\/wp-content\/uploads\/sites\/11\/2021\/11\/BHGRE_bug.png","contentUrl":"https:\/\/bhgrecareer.com\/bebetterblog\/wp-content\/uploads\/sites\/11\/2021\/11\/BHGRE_bug.png","width":76,"height":76,"caption":"Better Homes and Gardens Real Estate Be Better Blog"},"image":{"@id":"https:\/\/bhgrecareer.com\/bebetterblog\/#\/schema\/logo\/image\/"}},{"@type":"Person","@id":"https:\/\/bhgrecareer.com\/bebetterblog\/#\/schema\/person\/cba2618c2f68146c705ea5ed10947fe4","name":"Elizabeth Byrne","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/secure.gravatar.com\/avatar\/a49eb437a2433ab9a3fa67b891eeae5e208a3bcc759e71ae9cc366f39f09260e?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/a49eb437a2433ab9a3fa67b891eeae5e208a3bcc759e71ae9cc366f39f09260e?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/a49eb437a2433ab9a3fa67b891eeae5e208a3bcc759e71ae9cc366f39f09260e?s=96&d=mm&r=g","caption":"Elizabeth Byrne"},"url":"https:\/\/bhgrecareer.com\/bebetterblog\/author\/lizbyrne\/"}]}},"_links":{"self":[{"href":"https:\/\/bhgrecareer.com\/bebetterblog\/wp-json\/wp\/v2\/posts\/53","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/bhgrecareer.com\/bebetterblog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/bhgrecareer.com\/bebetterblog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/bhgrecareer.com\/bebetterblog\/wp-json\/wp\/v2\/users\/181"}],"replies":[{"embeddable":true,"href":"https:\/\/bhgrecareer.com\/bebetterblog\/wp-json\/wp\/v2\/comments?post=53"}],"version-history":[{"count":1,"href":"https:\/\/bhgrecareer.com\/bebetterblog\/wp-json\/wp\/v2\/posts\/53\/revisions"}],"predecessor-version":[{"id":69188,"href":"https:\/\/bhgrecareer.com\/bebetterblog\/wp-json\/wp\/v2\/posts\/53\/revisions\/69188"}],"wp:attachment":[{"href":"https:\/\/bhgrecareer.com\/bebetterblog\/wp-json\/wp\/v2\/media?parent=53"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bhgrecareer.com\/bebetterblog\/wp-json\/wp\/v2\/categories?post=53"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bhgrecareer.com\/bebetterblog\/wp-json\/wp\/v2\/tags?post=53"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}