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I had you in my calendar for 06:00, and I thought I'd give you a a call a couple minutes early to see if you had time to chat now. Perfect. Well, before I jump into it, I do need to let you know that our calls are recorded. And if I could just get you some terms of security, just full name, date of birth, and address. Perfect. Alright. So I have a a a note on file that you left with Jack that you were wanting to cancel your towel policy before renewal in November because the the the premiums are sorta getting a bit steep. Very steep. Very, very much so. Perfect. Because I I know like, I I read through your file and had a look at everything. I can I can see that, you know, the the policy has been around for a long time, and there have been conversations about possibly canceling it, reducing it, so forth like that? Are you wanting to look at alternatives in terms of cover, or do you straight up An SMSF? Yeah. Hi. And what's the intention, I guess, with the SMSF? Okay. Because because with an SMSF, there are, I guess, a few options available with respect to, like, how you trade, where you trade, what you do with the account. Like, ultimately, with an SMSF, you would have to set up a bank account that's owned by the trust. You become the trustee for that, and you have to, I guess, respect the rules and regulations for the super fund. And then from there, you can set up accounts that are owned by the the SMSF, by the trust that you then invest on. So you you have different platforms that you could then invest on. Have you looked into, I guess, where you're wanting to invest? Because you could set up like, Hub twenty four does have the facilities to enable you to trade like you're like, exactly like you're saying, but under an SMSF ownership. Yeah. And then and then from there, you'd you transition all the funds over and yep. Alright. And I guess what's the what's the intent with the, like, the SMSF? You're just gonna sort of day trade it, or you just wanna get a little bit more into, like, stock trading? Okay. Yeah. Very, like, very very different investment approaches, like stock trading. Yeah. Yep. Yeah. Absolutely. Sorry. What was the name of the the group? Just hi. Cool. So, obviously, like, they've explained the risks of stock trading. Nothing's guaranteed. The 2.5 mil is still not guaranteed, but you're willing to take the risk by the sounds of it. Look. Patent. Yeah. Okay. Alright. So what I can do is I can issue you it'll be tomorrow morning just because of the time of night that it is. But tomorrow morning, I can issue you what's called a execution only document where you have provided me with an instruction. Instruction one was to cancel the entirety of your towel policy, meaning that you will no longer have a benefit under that policy. That policy will completely cease. And then instruction two is to sell and liquidate all of your assets under your hub account. Can I confirm that you do want me to liquidate the the assets now ahead of you having the account set up, or do you wanna wait until you have the account set up? To set up the account or liquidate the assets? So liquidating the assets, majority of the assets will liquidate within probably about three to five days. Managed funds for which you do have I remember correctly. I'm just having another quick look at it. No. Sorry. I lied. You your your account will actually pretty much liquidate within a week because you don't you don't have any managed funds. You have listed securities only, so ETFs. So they will liquidate quite quickly. Managed funds for which you don't have anything, they take two plus weeks. But, no, your account will liquidate probably within five days. An employer can pay into an SMSF account, providing your employer is happy to do so. Not all employers will do so, but providing your employer is happy. Mhmm. No. It'll close. Yeah. So if you do a full account transition, so $285,000 will leave the account, go over to the SMSF account. We also can't trigger the rollover to your SMSF because it is a SMSF. We can we can move it to any other APRA fund. So I could send it to AustralianSuper. I could send it anywhere. With an SMSF, the request has to come from the SMSF because what happens is it'll be sent through SuperStream. SuperStream will basically send it to the ATO. The ATO will do a verification that the the that the SMSF is a valid fund, and then we'll send it through to Hub twenty four. Hub twenty four will only action once they receive that tick of confirmation that it is a legitimate and valid super fund. So it can't ever go from hub to an SMSF. The request has to come from the super fund. So once the team set up the account, they will have, like they'll they'll be using a back end software of some form. So it'll be like CHEST or something like that for the actual SMSF to sit on legislatively. They can just trigger a request in full from the hub account over into the SMSF account. I mean, the other option is is you could sort of maybe, like, move, say, 250, leave, you know, $30 or so or you you need to leave about 15 minimum in that account to keep the account open, and then your contributions can go in from there. So you could move majority of it and leave sort of that $15 and play it that way and have the dual accounts. But realistically speaking, it means that you're paying account keeping fees for the hub twenty four account, which means they have a flat administration fee, which means you're paying for that. And then your SMSF, you're paying for the financial audit. You'll be paying for whatever platform you're using, any buy and sell for the investments that you're buying and selling, everything else there. So it just it just depends on what your what your overall overall goal is. Are you wanting to, you know, just risk the majority of the money that you have that you're you're wanting to to put on and day trade or stock trade? And then just because your employer doesn't wanna pay into an SMSF fund because, realistically, if you've got a stock trader doing everything for you, then the money that they receive in cash into your SMSF fund, they'll just incorporate that into their buys. So it might be a conversation to have with them as to which avenue the account can support, what you're wanting to do with the account to make sure that you're aligned with it, or whether the conversation you've had with them is that, no. You wanna keep your hub 20 four open because your employer contributions are gonna go there, And you they're only getting this much money, and that's what they have to do to to grow. It it definitely yeah. Sorry. Yep. Yep. It's yeah. Yeah. Hub Hub would need sort of $15 like, you would need to leave $15 in the account with Hub twenty four if you wanna keep it open. No. I can. Give me two seconds while I go quiet, and I confirm what capital gains you have to pay. But, yes, I can tell you how much you would today if I sold everything today. Here it is. Okay. So capital gains tax, you will pay 5,100 and $100.40. So that's on so the gross so the gain that your account has had, discounts that apply. So the account gets discounts if you've held the assets for an an extended period of time, which then calculates what the net net capital gain is. So your net capital gain for the account's $34,000 after gross gain, which is 53, and then the discounts apply. The net gain's 34015% tax on that, which is $5. Oh, right. Apologies. Right. What you're you're asking balance. $2,796.50. Correct. Yeah. So what would leave the account is roughly that balance. That's if it'll trigger today. Like, tomorrow, know, capital gain could be more, whatever the case may be, but that's estimate based on today. Realistically speaking, if you don't have the SMSF set up yet because you have ETFs, it doesn't take long just to sell the ETFs. It's a matter of get your accounting side set up, confirm once the bank account's been because it's you have to set up the trust. You have to set up everything up. You have to make sure that the ATO has the bank account listed correctly. Make sure that it's registered. Once that's all done, just what I'll do is I'll send you an email, and you can email me back and say everything is set up. I give authority for you to sell liquidate all assets, and I'll liquidate the assets then. That way, I just I hold off on liquidating them until you're ready. So portfolio value is $285,715.90. That's what your entire portfolio is worth. And then you've got $5 worth of GAAP gains to to pay if you sell out prior to, like, retiring, prior to, you know we didn't consider you selling out these assets. And I know that we we did an investment swap on your account not too long ago, which means that you haven't held a lot of those assets for a long period of time, which is why the capital gains a little bit higher. Because you get a discount based on the length of time that you've held the assets. If you hold an asset for over twelve months, you get a discount to any capital gains that apply upon the sale of that asset. Yep. So if I so if I liquidate all the assets, you will have cash sitting in your account. Cash will be cash is cash. You'll if you leave the money in the account for a month or so, you'll get paid interest on the cash that's been sitting in the account. It works like an old bank account at that point, but that's it. Like, the, like, the Australian dollar value doesn't affect, like, the cash. It's just you'll get paid interest on the money sitting in the account, but that's the extent of it. It's not gonna go up or down because you don't own any shares that are going up or down. You have cash in a bank account, essentially. If I keep the assets that you currently own and just hold them until you're ready to sell, the assets will be worth whatever the assets are worth on the day that I trigger it, and that is depending on when you ask me to complete a sell, depending on market increase, decrease, so to speak. Capital gains will be calculated as of the day that we sell through. But as of today, that's where the account stands. So it it it is up to you which which direction you wanna go. I don't have to trigger anything on this side. I can just do a straight up cancellation for the insurance, and then we can you can circle so you can circle back on the sale of the assets that move to, you know, SMSF, what that looks like. I'm not saying don't go. Like, you you've obviously invested time, energy, and effort into exploring this as an option. You know, I've cautioned you on, you know, volatility and and working the market in the way that the that the broker is obviously going to. There can be some heavy losses that do occur. So, you know, as long as you're you're prepared to take that additional risk, that's that's absolutely fine. It's just a matter of how you exactly wanna execute everything, which I can take instruction and do on your behalf. You don't have to have an answer for me tonight. Yeah. Yep. Yeah. Yeah. That's fine. I'll I'll send you an email as soon as we get off the phone so that way you can have a chat to him. I'll literally I will literally screenshot from your account where your account sits right now, what the estimated capital gains calculation's gonna be, where where that, you know, balance is, all that kind of stuff. I'll I'll send that through to you. No. Your super fund already does that for you. It pays the lowest possible tax rate applicable. It pays much lower than your tax rate. Yeah. And even in even in your SMSF, the same thing's gonna apply, especially if you're buying and selling the way that a a day trader or a stock broker will. On the sells, you're gonna have capital gains within the fund, and the fund will pay them out as needed. Cool. Alright. Well, I'll send you an email and just break things down. And when you have had a chance to have a chat to your broker, you can come back to me and I will apply the instruction. But tomorrow, I will send you a execution document to cancel the insurance. So I will make sure that that's done. Yeah. Yeah. Because I I had a look at the policy. You've had the policy since before you were a client with Oakview. It's it's it's been a long term policy for you. So it's yes. No. Absolutely fair. Alright. Cool. Well, I'll cancel the insurance policy. I'll get that document out for you tomorrow, and I'll send you an email so you can have a chat to your broker and come back to me with instructions. Cool. If you have any quest questions, just flick them through to me in an email. Alright? No. No stress at all, Al. You have a good one. Alright. 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Lyle. Larissa, Oaktree Financial. How are you going? That's good. I, I just thought I'd try my luck a little early.\n\nI had you in my calendar for 06:00, and I thought I'd give you a a call a couple minutes early to see if you had time to chat now. Perfect. Well, before I jump into it, I do need to let you know that our calls are recorded. And if I could just get you some terms of security, just full name, date of birth, and address. Perfect.\n\nAlright. So I have a a a note on file that you left with Jack that you were wanting to cancel your towel policy before renewal in November because the the the premiums are sorta getting a bit steep. Very steep. Very, very much so. Perfect.\n\nBecause I I know like, I I read through your file and had a look at everything. I can I can see that, you know, the the policy has been around for a long time, and there have been conversations about possibly canceling it, reducing it, so forth like that? Are you wanting to look at alternatives in terms of cover, or do you straight up An SMSF? Yeah. Hi.\n\nAnd what's the intention, I guess, with the SMSF? Okay. Because because with an SMSF, there are, I guess, a few options available with respect to, like, how you trade, where you trade, what you do with the account. Like, ultimately, with an SMSF, you would have to set up a bank account that's owned by the trust. You become the trustee for that, and you have to, I guess, respect the rules and regulations for the super fund.\n\nAnd then from there, you can set up accounts that are owned by the the SMSF, by the trust that you then invest on. So you you have different platforms that you could then invest on. Have you looked into, I guess, where you're wanting to invest? Because you could set up like, Hub twenty four does have the facilities to enable you to trade like you're like, exactly like you're saying, but under an SMSF ownership. Yeah.\n\nAnd then and then from there, you'd you transition all the funds over and yep. Alright. And I guess what's the what's the intent with the, like, the SMSF? You're just gonna sort of day trade it, or you just wanna get a little bit more into, like, stock trading? Okay.\n\nYeah. Very, like, very very different investment approaches, like stock trading. Yeah. Yep. Yeah.\n\nAbsolutely. Sorry. What was the name of the the group? Just hi. Cool.\n\nSo, obviously, like, they've explained the risks of stock trading. Nothing's guaranteed. The 2.5 mil is still not guaranteed, but you're willing to take the risk by the sounds of it. Look. Patent.\n\nYeah. Okay. Alright. So what I can do is I can issue you it'll be tomorrow morning just because of the time of night that it is. But tomorrow morning, I can issue you what's called a execution only document where you have provided me with an instruction.\n\nInstruction one was to cancel the entirety of your towel policy, meaning that you will no longer have a benefit under that policy. That policy will completely cease. And then instruction two is to sell and liquidate all of your assets under your hub account. Can I confirm that you do want me to liquidate the the assets now ahead of you having the account set up, or do you wanna wait until you have the account set up? To set up the account or liquidate the assets?\n\nSo liquidating the assets, majority of the assets will liquidate within probably about three to five days. Managed funds for which you do have I remember correctly. I'm just having another quick look at it. No. Sorry.\n\nI lied. You your your account will actually pretty much liquidate within a week because you don't you don't have any managed funds. You have listed securities only, so ETFs. So they will liquidate quite quickly. Managed funds for which you don't have anything, they take two plus weeks.\n\nBut, no, your account will liquidate probably within five days. An employer can pay into an SMSF account, providing your employer is happy to do so. Not all employers will do so, but providing your employer is happy. Mhmm. No.\n\nIt'll close. Yeah. So if you do a full account transition, so $285,000 will leave the account, go over to the SMSF account. We also can't trigger the rollover to your SMSF because it is a SMSF. We can we can move it to any other APRA fund.\n\nSo I could send it to AustralianSuper. I could send it anywhere. With an SMSF, the request has to come from the SMSF because what happens is it'll be sent through SuperStream. SuperStream will basically send it to the ATO. The ATO will do a verification that the the that the SMSF is a valid fund, and then we'll send it through to Hub twenty four.\n\nHub twenty four will only action once they receive that tick of confirmation that it is a legitimate and valid super fund. So it can't ever go from hub to an SMSF. The request has to come from the super fund. So once the team set up the account, they will have, like they'll they'll be using a back end software of some form. So it'll be like CHEST or something like that for the actual SMSF to sit on legislatively.\n\nThey can just trigger a request in full from the hub account over into the SMSF account. I mean, the other option is is you could sort of maybe, like, move, say, 250, leave, you know, $30 or so or you you need to leave about 15 minimum in that account to keep the account open, and then your contributions can go in from there. So you could move majority of it and leave sort of that $15 and play it that way and have the dual accounts. But realistically speaking, it means that you're paying account keeping fees for the hub twenty four account, which means they have a flat administration fee, which means you're paying for that. And then your SMSF, you're paying for the financial audit.\n\nYou'll be paying for whatever platform you're using, any buy and sell for the investments that you're buying and selling, everything else there. So it just it just depends on what your what your overall overall goal is. Are you wanting to, you know, just risk the majority of the money that you have that you're you're wanting to to put on and day trade or stock trade? And then just because your employer doesn't wanna pay into an SMSF fund because, realistically, if you've got a stock trader doing everything for you, then the money that they receive in cash into your SMSF fund, they'll just incorporate that into their buys. So it might be a conversation to have with them as to which avenue the account can support, what you're wanting to do with the account to make sure that you're aligned with it, or whether the conversation you've had with them is that, no.\n\nYou wanna keep your hub 20 four open because your employer contributions are gonna go there, And you they're only getting this much money, and that's what they have to do to to grow. It it definitely yeah. Sorry. Yep. Yep.\n\nIt's yeah. Yeah. Hub Hub would need sort of $15 like, you would need to leave $15 in the account with Hub twenty four if you wanna keep it open. No. I can.\n\nGive me two seconds while I go quiet, and I confirm what capital gains you have to pay. But, yes, I can tell you how much you would today if I sold everything today. Here it is. Okay. So capital gains tax, you will pay 5,100 and $100.40.\n\nSo that's on so the gross so the gain that your account has had, discounts that apply. So the account gets discounts if you've held the assets for an an extended period of time, which then calculates what the net net capital gain is. So your net capital gain for the account's $34,000 after gross gain, which is 53, and then the discounts apply. The net gain's 34015% tax on that, which is $5. Oh, right.\n\nApologies. Right. What you're you're asking balance. $2,796.50. Correct.\n\nYeah. So what would leave the account is roughly that balance. That's if it'll trigger today. Like, tomorrow, know, capital gain could be more, whatever the case may be, but that's estimate based on today. Realistically speaking, if you don't have the SMSF set up yet because you have ETFs, it doesn't take long just to sell the ETFs.\n\nIt's a matter of get your accounting side set up, confirm once the bank account's been because it's you have to set up the trust. You have to set up everything up. You have to make sure that the ATO has the bank account listed correctly. Make sure that it's registered. Once that's all done, just what I'll do is I'll send you an email, and you can email me back and say everything is set up.\n\nI give authority for you to sell liquidate all assets, and I'll liquidate the assets then. That way, I just I hold off on liquidating them until you're ready. So portfolio value is $285,715.90. That's what your entire portfolio is worth. And then you've got $5 worth of GAAP gains to to pay if you sell out prior to, like, retiring, prior to, you know we didn't consider you selling out these assets.\n\nAnd I know that we we did an investment swap on your account not too long ago, which means that you haven't held a lot of those assets for a long period of time, which is why the capital gains a little bit higher. Because you get a discount based on the length of time that you've held the assets. If you hold an asset for over twelve months, you get a discount to any capital gains that apply upon the sale of that asset. Yep. So if I so if I liquidate all the assets, you will have cash sitting in your account.\n\nCash will be cash is cash. You'll if you leave the money in the account for a month or so, you'll get paid interest on the cash that's been sitting in the account. It works like an old bank account at that point, but that's it. Like, the, like, the Australian dollar value doesn't affect, like, the cash. It's just you'll get paid interest on the money sitting in the account, but that's the extent of it.\n\nIt's not gonna go up or down because you don't own any shares that are going up or down. You have cash in a bank account, essentially. If I keep the assets that you currently own and just hold them until you're ready to sell, the assets will be worth whatever the assets are worth on the day that I trigger it, and that is depending on when you ask me to complete a sell, depending on market increase, decrease, so to speak. Capital gains will be calculated as of the day that we sell through. But as of today, that's where the account stands.\n\nSo it it it is up to you which which direction you wanna go. I don't have to trigger anything on this side. I can just do a straight up cancellation for the insurance, and then we can you can circle so you can circle back on the sale of the assets that move to, you know, SMSF, what that looks like. I'm not saying don't go. Like, you you've obviously invested time, energy, and effort into exploring this as an option.\n\nYou know, I've cautioned you on, you know, volatility and and working the market in the way that the that the broker is obviously going to. There can be some heavy losses that do occur. So, you know, as long as you're you're prepared to take that additional risk, that's that's absolutely fine. It's just a matter of how you exactly wanna execute everything, which I can take instruction and do on your behalf. You don't have to have an answer for me tonight.\n\nYeah. Yep. Yeah. Yeah. That's fine.\n\nI'll I'll send you an email as soon as we get off the phone so that way you can have a chat to him. I'll literally I will literally screenshot from your account where your account sits right now, what the estimated capital gains calculation's gonna be, where where that, you know, balance is, all that kind of stuff. I'll I'll send that through to you. No. Your super fund already does that for you.\n\nIt pays the lowest possible tax rate applicable. It pays much lower than your tax rate. Yeah. And even in even in your SMSF, the same thing's gonna apply, especially if you're buying and selling the way that a a day trader or a stock broker will. On the sells, you're gonna have capital gains within the fund, and the fund will pay them out as needed.\n\nCool. Alright. Well, I'll send you an email and just break things down. And when you have had a chance to have a chat to your broker, you can come back to me and I will apply the instruction. But tomorrow, I will send you a execution document to cancel the insurance.\n\nSo I will make sure that that's done. Yeah. Yeah. Because I I had a look at the policy. You've had the policy since before you were a client with Oakview.\n\nIt's it's it's been a long term policy for you. So it's yes. No. Absolutely fair. Alright.\n\nCool. Well, I'll cancel the insurance policy. I'll get that document out for you tomorrow, and I'll send you an email so you can have a chat to your broker and come back to me with instructions. Cool. If you have any quest questions, just flick them through to me in an email.\n\nAlright? No. No stress at all, Al. You have a good one. Alright.\n\nBye.","paragraphs":[{"sentences":[{"text":"Hi, Lyle.","start":2.96,"end":3.76,"sentiment":"neutral","sentiment_score":0.15058023482561111},{"text":"Larissa, Oaktree Financial.","start":3.76,"end":5.12,"sentiment":"neutral","sentiment_score":0.1714601218700409},{"text":"How are you going?","start":5.12,"end":6.02,"sentiment":"neutral","sentiment_score":0.2699090391397476},{"text":"That's good.","start":8.48,"end":9.46,"sentiment":"positive","sentiment_score":0.7033282220363617},{"text":"I, I just thought I'd try my luck a little early.","start":9.5199995,"end":12.015,"sentiment":"neutral","sentiment_score":0.1864705444736914}],"sentiment":"neutral","sentiment_score":0.24331861023198476,"num_words":22,"start":2.96,"end":12.015},{"sentences":[{"text":"I had you in my calendar for 06:00, and I thought I'd give you a a call a couple minutes early to see if you had time to chat now.","start":12.255,"end":19.875,"sentiment":"neutral","sentiment_score":0.11304439927140872},{"text":"Perfect.","start":24.095001,"end":24.595001,"sentiment":"positive","sentiment_score":0.4303893446922302},{"text":"Well, before I jump into it, I do need to let you know that our calls are recorded.","start":25.34,"end":28.720001,"sentiment":"neutral","sentiment_score":0.011245115453170406},{"text":"And if I could just get you some terms of security, just full name, date of birth, and address.","start":29.02,"end":32.56,"sentiment":"neutral","sentiment_score":0.021095295289629383},{"text":"Perfect.","start":41.515,"end":42.015,"sentiment":"neutral","sentiment_score":0.2386910617351532}],"sentiment":"neutral","sentiment_score":0.06758891410477784,"num_words":69,"start":12.255,"end":42.015},{"sentences":[{"text":"Alright.","start":44.554996,"end":45.054996,"sentiment":"neutral","sentiment_score":0.06853973865509033},{"text":"So I have a a a note on file that you left with Jack that you were wanting to cancel your towel policy before renewal in November because the the the premiums are sorta getting a bit steep.","start":45.195,"end":59.420002,"sentiment":"neutral","sentiment_score":-0.16206029292784238},{"text":"Very steep.","start":64.12,"end":65.020004,"sentiment":"neutral","sentiment_score":-0.036773206666111946},{"text":"Very, very much so.","start":65.595,"end":66.815,"sentiment":"neutral","sentiment_score":0.17582786083221436},{"text":"Perfect.","start":69.115005,"end":69.595,"sentiment":"positive","sentiment_score":0.3360360264778137}],"sentiment":"neutral","sentiment_score":-0.11139022469844508,"num_words":46,"start":44.554996,"end":69.595},{"sentences":[{"text":"Because I I know like, I I read through your file and had a look at everything.","start":69.595,"end":75.19501,"sentiment":"neutral","sentiment_score":0.029299289207248128},{"text":"I can I can see that, you know, the the policy has been around for a long time, and there have been conversations about possibly canceling it, reducing it, so forth like that?","start":75.19501,"end":85.37,"sentiment":"neutral","sentiment_score":-0.07187461751428517},{"text":"Are you wanting to look at alternatives in terms of cover, or do you straight up An SMSF?","start":86.63,"end":108.39,"sentiment":"neutral","sentiment_score":-0.1172764885187563},{"text":"Yeah.","start":110.37,"end":110.69,"sentiment":"neutral","sentiment_score":0.01072760671377182},{"text":"Hi.","start":110.69,"end":111.19,"sentiment":"neutral","sentiment_score":0.013431627303361893}],"sentiment":"neutral","sentiment_score":-0.05657988601098103,"num_words":70,"start":69.595,"end":111.19},{"sentences":[{"text":"And what's the intention, I guess, with the SMSF?","start":112.61,"end":115.99,"sentiment":"neutral","sentiment_score":-0.014367423822275467},{"text":"Okay.","start":123.265,"end":123.765,"sentiment":"neutral","sentiment_score":-0.027674894779920575},{"text":"Because because with an SMSF, there are, I guess, a few options available with respect to, like, how you trade, where you trade, what you do with the account.","start":123.905,"end":133.605,"sentiment":"neutral","sentiment_score":-0.004192326217889786},{"text":"Like, ultimately, with an SMSF, you would have to set up a bank account that's owned by the trust.","start":135.35,"end":141.13,"sentiment":"neutral","sentiment_score":-0.017414554267337446},{"text":"You become the trustee for that, and you have to, I guess, respect the rules and regulations for the super fund.","start":141.83,"end":151.25499,"sentiment":"neutral","sentiment_score":0.2707371335654032}],"sentiment":"neutral","sentiment_score":0.06425372283917534,"num_words":79,"start":112.61,"end":151.25499},{"sentences":[{"text":"And then from there, you can set up accounts that are owned by the the SMSF, by the trust that you then invest on.","start":152.275,"end":163.955,"sentiment":"neutral","sentiment_score":0.26712850915888947},{"text":"So you you have different platforms that you could then invest on.","start":163.955,"end":167.19,"sentiment":"neutral","sentiment_score":0.3285941369831562},{"text":"Have you looked into, I guess, where you're wanting to invest?","start":168.85,"end":171.49,"sentiment":"neutral","sentiment_score":0.1597271656448191},{"text":"Because you could set up like, Hub twenty four does have the facilities to enable you to trade like you're like, exactly like you're saying, but under an SMSF ownership.","start":171.49,"end":182.96501,"sentiment":"neutral","sentiment_score":0.23374731540679933},{"text":"Yeah.","start":202.86,"end":203.18001,"sentiment":"neutral","sentiment_score":0.20169514417648315}],"sentiment":"neutral","sentiment_score":0.24776060630877814,"num_words":78,"start":152.275,"end":203.18001},{"sentences":[{"text":"And then and then from there, you'd you transition all the funds over and yep.","start":203.18001,"end":210.875,"sentiment":"neutral","sentiment_score":0.12814289927482606},{"text":"Alright.","start":212.215,"end":212.715,"sentiment":"neutral","sentiment_score":0.23558905720710752},{"text":"And I guess what's the what's the intent with the, like, the SMSF?","start":214.215,"end":217.735,"sentiment":"neutral","sentiment_score":0.1305449725343631},{"text":"You're just gonna sort of day trade it, or you just wanna get a little bit more into, like, stock trading?","start":217.735,"end":222.54,"sentiment":"neutral","sentiment_score":0.11247288169605392},{"text":"Okay.","start":249.995,"end":250.35,"sentiment":"neutral","sentiment_score":0.10219578444957732}],"sentiment":"neutral","sentiment_score":0.12390085273221427,"num_words":51,"start":203.18001,"end":250.35},{"sentences":[{"text":"Yeah.","start":270.845,"end":271.345,"sentiment":"neutral","sentiment_score":0.056564729660749435},{"text":"Very, like, very very different investment approaches, like stock trading.","start":273.32498,"end":277.35,"sentiment":"neutral","sentiment_score":-0.02124761715531349},{"text":"Yeah.","start":277.35,"end":277.85,"sentiment":"neutral","sentiment_score":0.03415333479642868},{"text":"Yep.","start":287.66998,"end":287.99,"sentiment":"neutral","sentiment_score":0.03664149716496467},{"text":"Yeah.","start":287.99,"end":288.22998,"sentiment":"neutral","sentiment_score":0.09637703746557236}],"sentiment":"neutral","sentiment_score":0.0008043162524700165,"num_words":14,"start":270.845,"end":288.22998},{"sentences":[{"text":"Absolutely.","start":288.22998,"end":288.72998,"sentiment":"neutral","sentiment_score":0.11275556683540344},{"text":"Sorry.","start":289.845,"end":290.165,"sentiment":"neutral","sentiment_score":-0.06331312656402588},{"text":"What was the name of the the group?","start":290.165,"end":292.08502,"sentiment":"neutral","sentiment_score":-0.03497741697356105},{"text":"Just hi.","start":292.08502,"end":298.64502,"sentiment":"neutral","sentiment_score":0.13271142914891243},{"text":"Cool.","start":298.64502,"end":299.14502,"sentiment":"positive","sentiment_score":0.4322936832904816}],"sentiment":"neutral","sentiment_score":0.03594920354393813,"num_words":13,"start":288.22998,"end":299.14502},{"sentences":[{"text":"So, obviously, like, they've explained the risks of stock trading.","start":301.605,"end":304.42502,"sentiment":"neutral","sentiment_score":-0.02411172240972519},{"text":"Nothing's guaranteed.","start":304.69998,"end":305.6,"sentiment":"neutral","sentiment_score":-0.23313436657190323},{"text":"The 2.5 mil is still not guaranteed, but you're willing to take the risk by the sounds of it.","start":305.66,"end":310.63998,"sentiment":"neutral","sentiment_score":-0.19285557811197482},{"text":"Look.","start":318.13998,"end":318.38,"sentiment":"neutral","sentiment_score":-0.025243358686566353},{"text":"Patent.","start":318.38,"end":318.88,"sentiment":"neutral","sentiment_score":-0.029941361397504807}],"sentiment":"neutral","sentiment_score":-0.13414626246826214,"num_words":33,"start":301.605,"end":318.88},{"sentences":[{"text":"Yeah.","start":341.56998,"end":342.05,"sentiment":"neutral","sentiment_score":0.021213319152593613},{"text":"Okay.","start":342.05,"end":342.55,"sentiment":"neutral","sentiment_score":0.051359791308641434},{"text":"Alright.","start":342.84998,"end":343.34998,"sentiment":"neutral","sentiment_score":0.09344571828842164},{"text":"So what I can do is I can issue you it'll be tomorrow morning just because of the time of night that it is.","start":343.88998,"end":352.045,"sentiment":"neutral","sentiment_score":0.09393177181482315},{"text":"But tomorrow morning, I can issue you what's called a execution only document where you have provided me with an instruction.","start":352.045,"end":360.385,"sentiment":"neutral","sentiment_score":0.04545509309640953}],"sentiment":"neutral","sentiment_score":0.07031121473604192,"num_words":48,"start":341.56998,"end":360.385},{"sentences":[{"text":"Instruction one was to cancel the entirety of your towel policy, meaning that you will no longer have a benefit under that policy.","start":361.57,"end":370.71,"sentiment":"neutral","sentiment_score":-0.13688134256264436},{"text":"That policy will completely cease.","start":370.77,"end":372.735,"sentiment":"neutral","sentiment_score":-0.21124619543552398},{"text":"And then instruction two is to sell and liquidate all of your assets under your hub account.","start":374.25497,"end":381.555,"sentiment":"neutral","sentiment_score":0.011084219550385195},{"text":"Can I confirm that you do want me to liquidate the the assets now ahead of you having the account set up, or do you wanna wait until you have the account set up?","start":381.935,"end":391.82,"sentiment":"neutral","sentiment_score":0.012041342280366841},{"text":"To set up the account or liquidate the assets?","start":399.08002,"end":401.175,"sentiment":"neutral","sentiment_score":-0.01932804027779235}],"sentiment":"neutral","sentiment_score":-0.04296155509919944,"num_words":88,"start":361.57,"end":401.175},{"sentences":[{"text":"So liquidating the assets, majority of the assets will liquidate within probably about three to five days.","start":404.615,"end":412.235,"sentiment":"neutral","sentiment_score":0.00849556177854538},{"text":"Managed funds for which you do have I remember correctly.","start":414.29498,"end":420.24,"sentiment":"neutral","sentiment_score":0.023112475872039795},{"text":"I'm just having another quick look at it.","start":420.62,"end":422.72,"sentiment":"neutral","sentiment_score":0.022837977623566985},{"text":"No.","start":425.5,"end":425.9,"sentiment":"neutral","sentiment_score":-0.1190592497587204},{"text":"Sorry.","start":425.9,"end":426.22,"sentiment":"neutral","sentiment_score":-0.15543848276138306}],"sentiment":"neutral","sentiment_score":0.0076690647952459955,"num_words":37,"start":404.615,"end":426.22},{"sentences":[{"text":"I lied.","start":426.22,"end":426.96,"sentiment":"neutral","sentiment_score":-0.25433820486068726},{"text":"You your your account will actually pretty much liquidate within a week because you don't you don't have any managed funds.","start":427.02,"end":432.755,"sentiment":"neutral","sentiment_score":-0.13901344119083314},{"text":"You have listed securities only, so ETFs.","start":432.755,"end":435.655,"sentiment":"neutral","sentiment_score":-0.06685785150953702},{"text":"So they will liquidate quite quickly.","start":436.195,"end":438.13498,"sentiment":"neutral","sentiment_score":-0.03091878319780032},{"text":"Managed funds for which you don't have anything, they take two plus weeks.","start":438.595,"end":442.71,"sentiment":"neutral","sentiment_score":-0.11178009670514327}],"sentiment":"neutral","sentiment_score":-0.11295137942141416,"num_words":49,"start":426.22,"end":442.71},{"sentences":[{"text":"But, no, your account will liquidate probably within five days.","start":443.75,"end":447.28998,"sentiment":"negative","sentiment_score":-0.34033256471157075},{"text":"An employer can pay into an SMSF account, providing your employer is happy to do so.","start":459.365,"end":464.085,"sentiment":"neutral","sentiment_score":0.26801322493702173},{"text":"Not all employers will do so, but providing your employer is happy.","start":464.085,"end":469.54498,"sentiment":"neutral","sentiment_score":0.14065660598377386},{"text":"Mhmm.","start":476.81,"end":477.31,"sentiment":"neutral","sentiment_score":0.002875184640288353},{"text":"No.","start":480.17,"end":480.41,"sentiment":"neutral","sentiment_score":-0.23861965537071228}],"sentiment":"neutral","sentiment_score":0.05842551882378757,"num_words":40,"start":443.75,"end":480.41},{"sentences":[{"text":"It'll close.","start":480.41,"end":481.15,"sentiment":"neutral","sentiment_score":-0.17263827472925186},{"text":"Yeah.","start":482.97,"end":483.29,"sentiment":"neutral","sentiment_score":0.04468199238181114},{"text":"So if you do a full account transition, so $285,000 will leave the account, go over to the SMSF account.","start":483.29,"end":494.685,"sentiment":"neutral","sentiment_score":0.12402507867664099},{"text":"We also can't trigger the rollover to your SMSF because it is a SMSF.","start":495.065,"end":499.225,"sentiment":"neutral","sentiment_score":0.0010469971956419094},{"text":"We can we can move it to any other APRA fund.","start":499.225,"end":502.75998,"sentiment":"neutral","sentiment_score":0.14348181045021524}],"sentiment":"neutral","sentiment_score":0.0786013519197392,"num_words":48,"start":480.41,"end":502.75998},{"sentences":[{"text":"So I could send it to AustralianSuper.","start":502.81998,"end":504.25998,"sentiment":"neutral","sentiment_score":0.20721120493752615},{"text":"I could send it anywhere.","start":504.25998,"end":505.24,"sentiment":"neutral","sentiment_score":0.16884928941726685},{"text":"With an SMSF, the request has to come from the SMSF because what happens is it'll be sent through SuperStream.","start":505.37997,"end":512.44,"sentiment":"neutral","sentiment_score":0.08038351759314537},{"text":"SuperStream will basically send it to the ATO.","start":513.14,"end":515.86,"sentiment":"neutral","sentiment_score":0.08645333722233772},{"text":"The ATO will do a verification that the the that the SMSF is a valid fund, and then we'll send it through to Hub twenty four.","start":515.86,"end":527.085,"sentiment":"neutral","sentiment_score":0.07975156175402495}],"sentiment":"neutral","sentiment_score":0.10102367480144356,"num_words":66,"start":502.81998,"end":527.085},{"sentences":[{"text":"Hub twenty four will only action once they receive that tick of confirmation that it is a legitimate and valid super fund.","start":527.085,"end":535.26,"sentiment":"neutral","sentiment_score":0.09433397650718689},{"text":"So it can't ever go from hub to an SMSF.","start":535.56,"end":538.38,"sentiment":"neutral","sentiment_score":-0.06807045955210925},{"text":"The request has to come from the super fund.","start":538.76,"end":540.76,"sentiment":"neutral","sentiment_score":0.0036045263210932412},{"text":"So once the team set up the account, they will have, like they'll they'll be using a back end software of some form.","start":540.76,"end":547.135,"sentiment":"neutral","sentiment_score":0.025363734396903412},{"text":"So it'll be like CHEST or something like that for the actual SMSF to sit on legislatively.","start":547.135,"end":552.115,"sentiment":"neutral","sentiment_score":-0.011486861991750844}],"sentiment":"neutral","sentiment_score":0.022409541503652746,"num_words":81,"start":527.085,"end":552.115},{"sentences":[{"text":"They can just trigger a request in full from the hub account over into the SMSF account.","start":553.375,"end":559.38,"sentiment":"neutral","sentiment_score":0.04748797372860067},{"text":"I mean, the other option is is you could sort of maybe, like, move, say, 250, leave, you know, $30 or so or you you need to leave about 15 minimum in that account to keep the account open, and then your contributions can go in from there.","start":580.085,"end":597.57,"sentiment":"neutral","sentiment_score":0.21417903434485197},{"text":"So you could move majority of it and leave sort of that $15 and play it that way and have the dual accounts.","start":598.03,"end":606.61505,"sentiment":"neutral","sentiment_score":0.2551734700151112},{"text":"But realistically speaking, it means that you're paying account keeping fees for the hub twenty four account, which means they have a flat administration fee, which means you're paying for that.","start":606.61505,"end":615.575,"sentiment":"neutral","sentiment_score":0.19376233508509974},{"text":"And then your SMSF, you're paying for the financial audit.","start":615.575,"end":619.98,"sentiment":"neutral","sentiment_score":0.23725376427173614}],"sentiment":"neutral","sentiment_score":0.19640348095071408,"num_words":129,"start":553.375,"end":619.98},{"sentences":[{"text":"You'll be paying for whatever platform you're using, any buy and sell for the investments that you're buying and selling, everything else there.","start":619.98,"end":625.92,"sentiment":"neutral","sentiment_score":0.2811172883147779},{"text":"So it just it just depends on what your what your overall overall goal is.","start":627.01996,"end":631.855,"sentiment":"neutral","sentiment_score":0.2761460026105245},{"text":"Are you wanting to, you know, just risk the majority of the money that you have that you're you're wanting to to put on and day trade or stock trade?","start":631.855,"end":640.915,"sentiment":"neutral","sentiment_score":0.1281077738851309},{"text":"And then just because your employer doesn't wanna pay into an SMSF fund because, realistically, if you've got a stock trader doing everything for you, then the money that they receive in cash into your SMSF fund, they'll just incorporate that into their buys.","start":641.055,"end":657.28503,"sentiment":"neutral","sentiment_score":0.1438433018259027},{"text":"So it might be a conversation to have with them as to which avenue the account can support, what you're wanting to do with the account to make sure that you're aligned with it, or whether the conversation you've had with them is that, no.","start":662.305,"end":675.27997,"sentiment":"neutral","sentiment_score":0.2828880429267883}],"sentiment":"neutral","sentiment_score":0.21344068852864254,"num_words":157,"start":619.98,"end":675.27997},{"sentences":[{"text":"You wanna keep your hub 20 four open because your employer contributions are gonna go there, And you they're only getting this much money, and that's what they have to do to to grow.","start":675.27997,"end":691.885,"sentiment":"neutral","sentiment_score":0.24975217659683788},{"text":"It it definitely yeah.","start":691.885,"end":693.64496,"sentiment":"neutral","sentiment_score":0.11473947204649448},{"text":"Sorry.","start":693.64496,"end":694.14496,"sentiment":"neutral","sentiment_score":-0.12879209220409393},{"text":"Yep.","start":700.49,"end":700.99,"sentiment":"neutral","sentiment_score":0.023417513817548752},{"text":"Yep.","start":706.00995,"end":706.32996,"sentiment":"neutral","sentiment_score":0.017763463780283928}],"sentiment":"neutral","sentiment_score":0.21616879946029768,"num_words":41,"start":675.27997,"end":706.32996},{"sentences":[{"text":"It's yeah.","start":706.32996,"end":718.555,"sentiment":"neutral","sentiment_score":-0.0067513082176446915},{"text":"Yeah.","start":719.335,"end":719.835,"sentiment":"neutral","sentiment_score":0.031492434442043304},{"text":"Hub Hub would need sort of $15 like, you would need to leave $15 in the account with Hub twenty four if you wanna keep it open.","start":720.135,"end":730.37,"sentiment":"neutral","sentiment_score":0.059901981993957805},{"text":"No.","start":738.755,"end":738.995,"sentiment":"neutral","sentiment_score":-0.11255080997943878},{"text":"I can.","start":738.995,"end":739.65497,"sentiment":"neutral","sentiment_score":-0.07623160071671009}],"sentiment":"neutral","sentiment_score":0.04152513092214411,"num_words":33,"start":706.32996,"end":739.65497},{"sentences":[{"text":"Give me two seconds while I go quiet, and I confirm what capital gains you have to pay.","start":742.115,"end":747.65497,"sentiment":"neutral","sentiment_score":0.007896856508321233},{"text":"But, yes, I can tell you how much you would today if I sold everything today.","start":748.72003,"end":755.30005,"sentiment":"neutral","sentiment_score":0.12726129358634353},{"text":"Here it is.","start":760.72003,"end":761.715,"sentiment":"neutral","sentiment_score":0.1638541022936503},{"text":"Okay.","start":774.83997,"end":775.24,"sentiment":"neutral","sentiment_score":0.09690473973751068},{"text":"So capital gains tax, you will pay 5,100 and $100.40.","start":775.24,"end":781.81995,"sentiment":"neutral","sentiment_score":0.07805347591638565}],"sentiment":"neutral","sentiment_score":0.0739026233398666,"num_words":48,"start":742.115,"end":781.81995},{"sentences":[{"text":"So that's on so the gross so the gain that your account has had, discounts that apply.","start":790.295,"end":798.615,"sentiment":"neutral","sentiment_score":0.12427222290459801},{"text":"So the account gets discounts if you've held the assets for an an extended period of time, which then calculates what the net net capital gain is.","start":798.615,"end":806.72003,"sentiment":"neutral","sentiment_score":0.15820925682783127},{"text":"So your net capital gain for the account's $34,000 after gross gain, which is 53, and then the discounts apply.","start":807.02,"end":814.8,"sentiment":"neutral","sentiment_score":0.1311846449971199},{"text":"The net gain's 34015% tax on that, which is $5.","start":815.10004,"end":823.315,"sentiment":"neutral","sentiment_score":0.10772978439927101},{"text":"Oh, right.","start":830.20996,"end":831.08997,"sentiment":"neutral","sentiment_score":-0.07482242584228516}],"sentiment":"neutral","sentiment_score":0.13073188968394933,"num_words":76,"start":790.295,"end":831.08997},{"sentences":[{"text":"Apologies.","start":831.08997,"end":831.58997,"sentiment":"neutral","sentiment_score":-0.22732698917388916},{"text":"Right.","start":831.97,"end":832.29,"sentiment":"neutral","sentiment_score":-0.06586165726184845},{"text":"What you're you're asking balance.","start":832.29,"end":834.23,"sentiment":"neutral","sentiment_score":-0.05617294907569885},{"text":"$2,796.50.","start":835.97,"end":837.99,"sentiment":"neutral","sentiment_score":-0.005011853761970997},{"text":"Correct.","start":849.625,"end":849.94495,"sentiment":"neutral","sentiment_score":0.06035541370511055}],"sentiment":"neutral","sentiment_score":-0.057634425763454705,"num_words":9,"start":831.08997,"end":849.94495},{"sentences":[{"text":"Yeah.","start":849.94495,"end":850.26495,"sentiment":"neutral","sentiment_score":0.06305305659770966},{"text":"So what would leave the account is roughly that balance.","start":850.26495,"end":855.14496,"sentiment":"neutral","sentiment_score":0.05823572650551796},{"text":"That's if it'll trigger today.","start":855.14496,"end":856.665,"sentiment":"neutral","sentiment_score":0.10028004795312881},{"text":"Like, tomorrow, know, capital gain could be more, whatever the case may be, but that's estimate based on today.","start":856.665,"end":862.23,"sentiment":"neutral","sentiment_score":0.026490497157761927},{"text":"Realistically speaking, if you don't have the SMSF set up yet because you have ETFs, it doesn't take long just to sell the ETFs.","start":875.73505,"end":882.79504,"sentiment":"neutral","sentiment_score":0.04766176509050032}],"sentiment":"neutral","sentiment_score":0.047356141857424025,"num_words":59,"start":849.94495,"end":882.79504},{"sentences":[{"text":"It's a matter of get your accounting side set up, confirm once the bank account's been because it's you have to set up the trust.","start":883.17505,"end":890.68,"sentiment":"neutral","sentiment_score":0.053994973599910734},{"text":"You have to set up everything up.","start":890.68,"end":891.8,"sentiment":"neutral","sentiment_score":0.06284173897334508},{"text":"You have to make sure that the ATO has the bank account listed correctly.","start":891.8,"end":894.46,"sentiment":"neutral","sentiment_score":0.0390572619757482},{"text":"Make sure that it's registered.","start":894.76,"end":895.9,"sentiment":"neutral","sentiment_score":0.0867578074336052},{"text":"Once that's all done, just what I'll do is I'll send you an email, and you can email me back and say everything is set up.","start":896.76,"end":904.135,"sentiment":"neutral","sentiment_score":0.18847661637342894}],"sentiment":"neutral","sentiment_score":0.09962012004349138,"num_words":77,"start":883.17505,"end":904.135},{"sentences":[{"text":"I give authority for you to sell liquidate all assets, and I'll liquidate the assets then.","start":904.135,"end":909.91504,"sentiment":"neutral","sentiment_score":0.15762143582105637},{"text":"That way, I just I hold off on liquidating them until you're ready.","start":912.88,"end":915.78,"sentiment":"neutral","sentiment_score":0.09586424208604373},{"text":"So portfolio value is $285,715.90.","start":931.83496,"end":937.855,"sentiment":"neutral","sentiment_score":0.09909065514802932},{"text":"That's what your entire portfolio is worth.","start":938.19995,"end":940.3,"sentiment":"neutral","sentiment_score":0.239377104810306},{"text":"And then you've got $5 worth of GAAP gains to to pay if you sell out prior to, like, retiring, prior to, you know we didn't consider you selling out these assets.","start":941.63995,"end":956.605,"sentiment":"neutral","sentiment_score":0.129576058476232}],"sentiment":"neutral","sentiment_score":0.1381603424781806,"num_words":73,"start":904.135,"end":956.605},{"sentences":[{"text":"And I know that we we did an investment swap on your account not too long ago, which means that you haven't held a lot of those assets for a long period of time, which is why the capital gains a little bit higher.","start":956.905,"end":970.98,"sentiment":"neutral","sentiment_score":0.07651492453772914},{"text":"Because you get a discount based on the length of time that you've held the assets.","start":972.16,"end":975.51996,"sentiment":"neutral","sentiment_score":0.16838283650577068},{"text":"If you hold an asset for over twelve months, you get a discount to any capital gains that apply upon the sale of that asset.","start":975.51996,"end":982.605,"sentiment":"neutral","sentiment_score":0.1231701296567917},{"text":"Yep.","start":996.845,"end":997.17,"sentiment":"neutral","sentiment_score":-0.06829683482646942},{"text":"So if I so if I liquidate all the assets, you will have cash sitting in your account.","start":1000.45,"end":1006.38995,"sentiment":"neutral","sentiment_score":-0.06569023720092243}],"sentiment":"neutral","sentiment_score":0.07585879039162627,"num_words":104,"start":956.905,"end":1006.38995},{"sentences":[{"text":"Cash will be cash is cash.","start":1007.01,"end":1009.725,"sentiment":"neutral","sentiment_score":-0.02513421947757403},{"text":"You'll if you leave the money in the account for a month or so, you'll get paid interest on the cash that's been sitting in the account.","start":1009.805,"end":1018.94495,"sentiment":"neutral","sentiment_score":0.02595546358713397},{"text":"It works like an old bank account at that point, but that's it.","start":1019.88495,"end":1023.68,"sentiment":"neutral","sentiment_score":0.011040092947391363},{"text":"Like, the, like, the Australian dollar value doesn't affect, like, the cash.","start":1023.98,"end":1029.82,"sentiment":"neutral","sentiment_score":0.01662464129428069},{"text":"It's just you'll get paid interest on the money sitting in the account, but that's the extent of it.","start":1029.82,"end":1035.965,"sentiment":"neutral","sentiment_score":0.06293699772734392}],"sentiment":"neutral","sentiment_score":0.02712742935914498,"num_words":77,"start":1007.01,"end":1035.965},{"sentences":[{"text":"It's not gonna go up or down because you don't own any shares that are going up or down.","start":1037.0651,"end":1040.745,"sentiment":"neutral","sentiment_score":-0.32186828867385264},{"text":"You have cash in a bank account, essentially.","start":1040.745,"end":1043.645,"sentiment":"neutral","sentiment_score":-0.09898707922548056},{"text":"If I keep the assets that you currently own and just hold them until you're ready to sell, the assets will be worth whatever the assets are worth on the day that I trigger it, and that is depending on when you ask me to complete a sell, depending on market increase, decrease, so to speak.","start":1047.385,"end":1066.885,"sentiment":"neutral","sentiment_score":0.2378212632611394},{"text":"Capital gains will be calculated as of the day that we sell through.","start":1067.505,"end":1071.525,"sentiment":"neutral","sentiment_score":0.1701740794456922},{"text":"But as of today, that's where the account stands.","start":1072.705,"end":1075.65,"sentiment":"neutral","sentiment_score":0.26856486664878}],"sentiment":"neutral","sentiment_score":0.10514231863475981,"num_words":105,"start":1037.0651,"end":1075.65},{"sentences":[{"text":"So it it it is up to you which which direction you wanna go.","start":1081.65,"end":1084.79,"sentiment":"neutral","sentiment_score":0.3312604810510363},{"text":"I don't have to trigger anything on this side.","start":1084.93,"end":1087.5701,"sentiment":"neutral","sentiment_score":-0.17664943801032174},{"text":"I can just do a straight up cancellation for the insurance, and then we can you can circle so you can circle back on the sale of the assets that move to, you know, SMSF, what that looks like.","start":1087.5701,"end":1102.8,"sentiment":"neutral","sentiment_score":0.05894037383871201},{"text":"I'm not saying don't go.","start":1103.6001,"end":1104.56,"sentiment":"neutral","sentiment_score":-0.22580044269561766},{"text":"Like, you you've obviously invested time, energy, and effort into exploring this as an option.","start":1104.56,"end":1109.7001,"sentiment":"neutral","sentiment_score":-0.07640500615040462}],"sentiment":"neutral","sentiment_score":0.037456086178014915,"num_words":82,"start":1081.65,"end":1109.7001},{"sentences":[{"text":"You know, I've cautioned you on, you know, volatility and and working the market in the way that the that the broker is obviously going to.","start":1110.3201,"end":1121.525,"sentiment":"neutral","sentiment_score":-0.17732798041274342},{"text":"There can be some heavy losses that do occur.","start":1121.8251,"end":1124.545,"sentiment":"negative","sentiment_score":-0.3918713198767768},{"text":"So, you know, as long as you're you're prepared to take that additional risk, that's that's absolutely fine.","start":1124.545,"end":1130.005,"sentiment":"neutral","sentiment_score":0.05119967170887523},{"text":"It's just a matter of how you exactly wanna execute everything, which I can take instruction and do on your behalf.","start":1131.24,"end":1138.38,"sentiment":"neutral","sentiment_score":0.2151494657709485},{"text":"You don't have to have an answer for me tonight.","start":1143.88,"end":1145.715,"sentiment":"neutral","sentiment_score":-0.030461454391479494}],"sentiment":"neutral","sentiment_score":-0.03574108382842193,"num_words":84,"start":1110.3201,"end":1145.715},{"sentences":[{"text":"Yeah.","start":1155.395,"end":1155.895,"sentiment":"neutral","sentiment_score":0.04164867103099823},{"text":"Yep.","start":1160.37,"end":1160.87,"sentiment":"neutral","sentiment_score":0.046012334525585175},{"text":"Yeah.","start":1166.21,"end":1166.71,"sentiment":"neutral","sentiment_score":0.0930846780538559},{"text":"Yeah.","start":1169.4099,"end":1169.73,"sentiment":"neutral","sentiment_score":0.1898874044418335},{"text":"That's fine.","start":1169.73,"end":1170.2899,"sentiment":"neutral","sentiment_score":0.312240332365036}],"sentiment":"neutral","sentiment_score":0.1658522921303908,"num_words":6,"start":1155.395,"end":1170.2899},{"sentences":[{"text":"I'll I'll send you an email as soon as we get off the phone so that way you can have a chat to him.","start":1170.2899,"end":1175.595,"sentiment":"neutral","sentiment_score":0.1817865764411787},{"text":"I'll literally I will literally screenshot from your account where your account sits right now, what the estimated capital gains calculation's gonna be, where where that, you know, balance is, all that kind of stuff.","start":1175.595,"end":1189.84,"sentiment":"neutral","sentiment_score":0.056717382477862496},{"text":"I'll I'll send that through to you.","start":1189.84,"end":1191.3,"sentiment":"neutral","sentiment_score":0.12560051892484939},{"text":"No.","start":1198.32,"end":1198.56,"sentiment":"neutral","sentiment_score":-0.05043691396713257},{"text":"Your super fund already does that for you.","start":1198.56,"end":1200.82,"sentiment":"neutral","sentiment_score":0.16599919460713863}],"sentiment":"neutral","sentiment_score":0.11339661995569865,"num_words":75,"start":1170.2899,"end":1200.82},{"sentences":[{"text":"It pays the lowest possible tax rate applicable.","start":1201.785,"end":1205.005,"sentiment":"neutral","sentiment_score":0.10523422341793776},{"text":"It pays much lower than your tax rate.","start":1205.0651,"end":1207.7251,"sentiment":"neutral","sentiment_score":0.13743361830711365},{"text":"Yeah.","start":1210.265,"end":1210.765,"sentiment":"neutral","sentiment_score":0.23892129957675937},{"text":"And even in even in your SMSF, the same thing's gonna apply, especially if you're buying and selling the way that a a day trader or a stock broker will.","start":1217.17,"end":1225.11,"sentiment":"neutral","sentiment_score":0.18737925887107848},{"text":"On the sells, you're gonna have capital gains within the fund, and the fund will pay them out as needed.","start":1226.21,"end":1234.095,"sentiment":"neutral","sentiment_score":0.18713797703385354}],"sentiment":"neutral","sentiment_score":0.1723044976147253,"num_words":67,"start":1201.785,"end":1234.095},{"sentences":[{"text":"Cool.","start":1242.315,"end":1242.5549,"sentiment":"positive","sentiment_score":0.35827651619911194},{"text":"Alright.","start":1242.5549,"end":1242.875,"sentiment":"neutral","sentiment_score":0.18601447343826297},{"text":"Well, I'll send you an email and just break things down.","start":1242.875,"end":1245.15,"sentiment":"neutral","sentiment_score":0.05538797988132997},{"text":"And when you have had a chance to have a chat to your broker, you can come back to me and I will apply the instruction.","start":1247.87,"end":1256.43,"sentiment":"neutral","sentiment_score":0.015260412715948544},{"text":"But tomorrow, I will send you a execution document to cancel the insurance.","start":1256.43,"end":1260.77,"sentiment":"neutral","sentiment_score":-0.16188398891916642}],"sentiment":"neutral","sentiment_score":-0.010656968403894167,"num_words":52,"start":1242.315,"end":1260.77},{"sentences":[{"text":"So I will make sure that that's done.","start":1261.365,"end":1263.305,"sentiment":"neutral","sentiment_score":-0.0038723782636225224},{"text":"Yeah.","start":1267.765,"end":1268.265,"sentiment":"neutral","sentiment_score":-0.00892581231892109},{"text":"Yeah.","start":1277.4199,"end":1277.74,"sentiment":"neutral","sentiment_score":-0.025844182819128036},{"text":"Because I I had a look at the policy.","start":1277.74,"end":1279.4199,"sentiment":"neutral","sentiment_score":-0.06295748137765461},{"text":"You've had the policy since before you were a client with Oakview.","start":1279.4199,"end":1282.2999,"sentiment":"neutral","sentiment_score":-0.00569321122020483}],"sentiment":"neutral","sentiment_score":-0.022602738331883185,"num_words":31,"start":1261.365,"end":1282.2999},{"sentences":[{"text":"It's it's it's been a long term policy for you.","start":1282.2999,"end":1285.0399,"sentiment":"neutral","sentiment_score":0.0666563406586647},{"text":"So it's yes.","start":1287.1,"end":1297.505,"sentiment":"neutral","sentiment_score":-0.04460915426413218},{"text":"No.","start":1297.725,"end":1298.045,"sentiment":"negative","sentiment_score":-0.3857361078262329},{"text":"Absolutely fair.","start":1298.045,"end":1299.245,"sentiment":"neutral","sentiment_score":-0.14081481099128723},{"text":"Alright.","start":1299.245,"end":1299.5651,"sentiment":"neutral","sentiment_score":-0.07274241745471954}],"sentiment":"neutral","sentiment_score":-0.012198364909957437,"num_words":17,"start":1282.2999,"end":1299.5651},{"sentences":[{"text":"Cool.","start":1299.5651,"end":1300.045,"sentiment":"neutral","sentiment_score":0.11023730039596558},{"text":"Well, I'll cancel the insurance policy.","start":1300.045,"end":1301.885,"sentiment":"negative","sentiment_score":-0.33802198121945065},{"text":"I'll get that document out for you tomorrow, and I'll send you an email so you can have a chat to your broker and come back to me with instructions.","start":1301.885,"end":1307.88,"sentiment":"neutral","sentiment_score":0.33212826947371166},{"text":"Cool.","start":1310.18,"end":1310.58,"sentiment":"positive","sentiment_score":0.4961431622505188},{"text":"If you have any quest questions, just flick them through to me in an email.","start":1310.58,"end":1313.62,"sentiment":"neutral","sentiment_score":0.20248396595319113}],"sentiment":"neutral","sentiment_score":0.2184784179026226,"num_words":53,"start":1299.5651,"end":1313.62},{"sentences":[{"text":"Alright?","start":1313.62,"end":1313.9188,"sentiment":"neutral","sentiment_score":0.124126099050045},{"text":"No.","start":1316.3988,"end":1316.5588,"sentiment":"neutral","sentiment_score":0.2566380202770233},{"text":"No stress at all, Al.","start":1316.5588,"end":1317.5188,"sentiment":"neutral","sentiment_score":0.2580214649438858},{"text":"You have a good one.","start":1317.5188,"end":1318.5789,"sentiment":"positive","sentiment_score":0.6897793650627136},{"text":"Alright.","start":1320.0789,"end":1320.5588,"sentiment":"positive","sentiment_score":0.3806041181087494}],"sentiment":"positive","sentiment_score":0.42310556826683193,"num_words":13,"start":1313.62,"end":1320.5588},{"sentences":[{"text":"Bye.","start":1320.5588,"end":1321.0588,"sentiment":"positive","sentiment_score":0.34714704751968384}],"sentiment":"positive","sentiment_score":0.34714704751968384,"num_words":1,"start":1320.5588,"end":1321.0588}]}}]},{"alternatives":[{"transcript":"Hello? Yeah. Well, I'm driving. I'm sorry. It's all good. Hello? That's the coffee stick, though. Well, medical, right, for insurance. It is it is safe. I just wanna cancel that. And the other thing that I want to call was the cash in all of me SS because I'm gonna start up a SMS in fund. Yeah. Oh, well, I'm not looking to get into shade, isn't it? Yep. Yeah. Well, we've been talking to a mob called William, and they've they've already got me started. They put credit on to me. Yeah. And so I I can get the SMS one set up. Yeah. At this stage, stock trading. That's what all my working on now. Like, in a week, like, I might I might have been doing a week or he's been doing it for a week for me, and I've already made $60 on on profit already. So once everything goes through, his goal is to try to get me $2,500,000 before I retire. And when I was speak I was speaking to the other girl. She told me last time by the time I retire, I should be up around about 720,000, which is, like the three and a half times more of what you guys can get. Just what you're doing now. Yeah. Yeah. Yeah. I I I I I I understand it, but I'd rather have $2,500,000 when I retire than, like, 700,000 units. You know where I'm coming from? It's Bill Billian Billian, I think it is. Billian, l a n. Yeah. Oh, so I've gotta gotta get that because it's they gave me that pension when I retired. And that's all I've gotta have enough money to live from 67 to to the day I die plus and try to help have enough money from the kids to be. But once I go on, like, funerals, since prices are going up ridiculously, that's why I'm I'm looking in trying to get more money. So Yep. Yep. Yeah. Both. Depends on how long it's gonna take. Because but, yes, it's Alright. Yeah. That when that happens, will that count go paid off? Because I was planning on just leave leave and that haven't whatever superannuation my employee pays and still go straight in back into that, which What I mean is when you do the transition over to there, the mess what I've got in there now, will half twenty four still be open? Because Yeah. Yeah. Because I I was planning just whatever I got in there now. That's all I was gonna transfer, and I I wanted to keep pressing stuff. I'm like, well, you can just keep putting it back in the hut hut hut 24, and you just can work on whatever you've gotta do too. Alright. Yeah. Because I've lost last time, I worked there. It was about 283,000, which I agreed to to to the SMS plan. That depends on on how much money you've been. Trade would use would not would not know. How much like, if you sell everything, how much money? Who do I have in my account? But that that's the question and answer. You might be able to help me now, would you? On on one product. Is that Yeah. But how much would that with everything? Is that it? Why don't you sell everything? Yeah. So the price on on the app is what money thing I the thing because every time you buy stuff, it it goes down. But Yep. Yeah. But how much money I'll I'll just count. I I I'm not good at in different like, once you sell up all the trades, is that price gonna go up or the and then the Yep. Yeah. No. Yep. Yeah. Yeah. We just submit an email and if you can. And because the seller's ringing me again tonight with more information. Yeah. Just the head head stuff ring. But will I be able to claim I won't be able to claim that Capital Grain tax when we tax a lot. Alrighty. Alrighty. Yep. Okey dokey. Yeah. Yeah. Definitely, that makes that R34 just insurance. It's just but I when I seen the price the other day because when I first seen it, I was only paying a thousand dollars. But now it's all the time going up $33. And just just for the the product up that much. I've seen it the other day. I couldn't believe why they put me glasses on. Is this bloody rough? And I said, no way I'm gonna keep this going. Yep. Okay. Yep. Okay. Thanks, Tom. Okay. Thank you. 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Yeah. Well, I'm driving. I'm sorry. It's all good.\n\nHello? That's the coffee stick, though. Well, medical, right, for insurance. It is it is safe. I just wanna cancel that.\n\nAnd the other thing that I want to call was the cash in all of me SS because I'm gonna start up a SMS in fund. Yeah. Oh, well, I'm not looking to get into shade, isn't it? Yep. Yeah.\n\nWell, we've been talking to a mob called William, and they've they've already got me started. They put credit on to me. Yeah. And so I I can get the SMS one set up. Yeah.\n\nAt this stage, stock trading. That's what all my working on now. Like, in a week, like, I might I might have been doing a week or he's been doing it for a week for me, and I've already made $60 on on profit already. So once everything goes through, his goal is to try to get me $2,500,000 before I retire. And when I was speak I was speaking to the other girl.\n\nShe told me last time by the time I retire, I should be up around about 720,000, which is, like the three and a half times more of what you guys can get. Just what you're doing now. Yeah. Yeah. Yeah.\n\nI I I I I I understand it, but I'd rather have $2,500,000 when I retire than, like, 700,000 units. You know where I'm coming from? It's Bill Billian Billian, I think it is. Billian, l a n. Yeah.\n\nOh, so I've gotta gotta get that because it's they gave me that pension when I retired. And that's all I've gotta have enough money to live from 67 to to the day I die plus and try to help have enough money from the kids to be. But once I go on, like, funerals, since prices are going up ridiculously, that's why I'm I'm looking in trying to get more money. So Yep. Yep.\n\nYeah. Both. Depends on how long it's gonna take. Because but, yes, it's Alright. Yeah.\n\nThat when that happens, will that count go paid off? Because I was planning on just leave leave and that haven't whatever superannuation my employee pays and still go straight in back into that, which What I mean is when you do the transition over to there, the mess what I've got in there now, will half twenty four still be open? Because Yeah. Yeah. Because I I was planning just whatever I got in there now.\n\nThat's all I was gonna transfer, and I I wanted to keep pressing stuff. I'm like, well, you can just keep putting it back in the hut hut hut 24, and you just can work on whatever you've gotta do too. Alright. Yeah. Because I've lost last time, I worked there.\n\nIt was about 283,000, which I agreed to to to the SMS plan. That depends on on how much money you've been. Trade would use would not would not know. How much like, if you sell everything, how much money? Who do I have in my account?\n\nBut that that's the question and answer. You might be able to help me now, would you? On on one product. Is that Yeah. But how much would that with everything?\n\nIs that it? Why don't you sell everything? Yeah. So the price on on the app is what money thing I the thing because every time you buy stuff, it it goes down. But Yep.\n\nYeah. But how much money I'll I'll just count. I I I'm not good at in different like, once you sell up all the trades, is that price gonna go up or the and then the Yep. Yeah. No.\n\nYep. Yeah. Yeah. We just submit an email and if you can. And because the seller's ringing me again tonight with more information.\n\nYeah. Just the head head stuff ring. But will I be able to claim I won't be able to claim that Capital Grain tax when we tax a lot. Alrighty. Alrighty.\n\nYep. Okey dokey. Yeah. Yeah. Definitely, that makes that R34 just insurance.\n\nIt's just but I when I seen the price the other day because when I first seen it, I was only paying a thousand dollars. But now it's all the time going up $33. And just just for the the product up that much. I've seen it the other day. I couldn't believe why they put me glasses on.\n\nIs this bloody rough? And I said, no way I'm gonna keep this going. Yep. Okay. Yep.\n\nOkay. Thanks, Tom. Okay. Thank you. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.36,"end":1.86,"sentiment":"neutral","sentiment_score":0.03147616982460022},{"text":"Yeah.","start":20.475,"end":20.715,"sentiment":"neutral","sentiment_score":0.09077537059783936},{"text":"Well, I'm driving.","start":20.715,"end":21.515,"sentiment":"neutral","sentiment_score":0.0760633150736491},{"text":"I'm sorry.","start":21.515,"end":22.175,"sentiment":"neutral","sentiment_score":0.06899165362119675},{"text":"It's all good.","start":22.475,"end":23.375,"sentiment":"positive","sentiment_score":0.4098947246869405}],"sentiment":"neutral","sentiment_score":0.17181089669466018,"num_words":10,"start":1.36,"end":23.375},{"sentences":[{"text":"Hello?","start":33.18,"end":33.66,"sentiment":"neutral","sentiment_score":0.00279349647462368},{"text":"That's the coffee stick, though.","start":33.66,"end":35.2,"sentiment":"neutral","sentiment_score":0.011122326040640474},{"text":"Well, medical, right, for insurance.","start":59.98,"end":61.84,"sentiment":"neutral","sentiment_score":-0.015100067108869552},{"text":"It is it is safe.","start":61.98,"end":63.760002,"sentiment":"neutral","sentiment_score":0.10674420073628425},{"text":"I just wanna cancel that.","start":85.53,"end":96.909996,"sentiment":"neutral","sentiment_score":-0.12663161307573317}],"sentiment":"neutral","sentiment_score":-0.005549155741131732,"num_words":21,"start":33.18,"end":96.909996},{"sentences":[{"text":"And the other thing that I want to call was the cash in all of me SS because I'm gonna start up a SMS in fund.","start":96.97,"end":106.845,"sentiment":"neutral","sentiment_score":-0.018685357824254494},{"text":"Yeah.","start":109.305,"end":109.805,"sentiment":"neutral","sentiment_score":0.005333738401532173},{"text":"Oh, well, I'm not looking to get into shade, isn't it?","start":116.97,"end":121.31,"sentiment":"neutral","sentiment_score":-0.10959822142666037},{"text":"Yep.","start":134.465,"end":134.965,"sentiment":"neutral","sentiment_score":-0.008150195702910423},{"text":"Yeah.","start":185.105,"end":185.345,"sentiment":"neutral","sentiment_score":0.18232309818267825}],"sentiment":"neutral","sentiment_score":-0.037797327456064525,"num_words":40,"start":96.97,"end":185.345},{"sentences":[{"text":"Well, we've been talking to a mob called William, and they've they've already got me started.","start":185.345,"end":191.685,"sentiment":"neutral","sentiment_score":0.26498897187411785},{"text":"They put credit on to me.","start":192.625,"end":193.985,"sentiment":"positive","sentiment_score":0.4475637724002202},{"text":"Yeah.","start":193.985,"end":194.485,"sentiment":"neutral","sentiment_score":0.3330891728401184},{"text":"And so I I can get the SMS one set up.","start":196.065,"end":200.18001,"sentiment":"neutral","sentiment_score":0.3083308447491039},{"text":"Yeah.","start":209.12001,"end":209.62001,"sentiment":"neutral","sentiment_score":0.15055178105831146}],"sentiment":"neutral","sentiment_score":0.3085853265864508,"num_words":35,"start":185.345,"end":209.62001},{"sentences":[{"text":"At this stage, stock trading.","start":223.71501,"end":225.255,"sentiment":"neutral","sentiment_score":0.09447267204523087},{"text":"That's what all my working on now.","start":225.89,"end":228.39,"sentiment":"neutral","sentiment_score":0.23260207687105453},{"text":"Like, in a week, like, I might I might have been doing a week or he's been doing it for a week for me, and I've already made $60 on on profit already.","start":229.01,"end":238.13,"sentiment":"neutral","sentiment_score":0.2030192046906009},{"text":"So once everything goes through, his goal is to try to get me $2,500,000 before I retire.","start":238.13,"end":247.455,"sentiment":"neutral","sentiment_score":0.23639990652308746},{"text":"And when I was speak I was speaking to the other girl.","start":249.595,"end":255.07,"sentiment":"neutral","sentiment_score":0.05301377084106207}],"sentiment":"neutral","sentiment_score":0.1818266934337648,"num_words":74,"start":223.71501,"end":255.07},{"sentences":[{"text":"She told me last time by the time I retire, I should be up around about 720,000, which is, like the three and a half times more of what you guys can get.","start":255.77,"end":268.29498,"sentiment":"neutral","sentiment_score":0.16772750877972806},{"text":"Just what you're doing now.","start":268.595,"end":270.215,"sentiment":"neutral","sentiment_score":0.11367366164922714},{"text":"Yeah.","start":277.235,"end":277.47498,"sentiment":"neutral","sentiment_score":0.00778096541762352},{"text":"Yeah.","start":277.47498,"end":277.715,"sentiment":"neutral","sentiment_score":0.04826457425951958},{"text":"Yeah.","start":277.715,"end":278.03497,"sentiment":"neutral","sentiment_score":0.0543028712272644}],"sentiment":"neutral","sentiment_score":0.15155425631418462,"num_words":41,"start":255.77,"end":278.03497},{"sentences":[{"text":"I I I I I I understand it, but I'd rather have $2,500,000 when I retire than, like, 700,000 units.","start":278.03497,"end":285.96002,"sentiment":"neutral","sentiment_score":0.002379363588988781},{"text":"You know where I'm coming from?","start":285.96002,"end":287.34,"sentiment":"neutral","sentiment_score":-0.038668363044659294},{"text":"It's Bill Billian Billian, I think it is.","start":293.005,"end":295.485,"sentiment":"neutral","sentiment_score":0.12460905779153109},{"text":"Billian, l a n.","start":295.485,"end":296.865,"sentiment":"neutral","sentiment_score":0.047043101862072945},{"text":"Yeah.","start":305.245,"end":305.745,"sentiment":"neutral","sentiment_score":-0.11314713954925536}],"sentiment":"neutral","sentiment_score":0.022755764711361665,"num_words":39,"start":278.03497,"end":305.745},{"sentences":[{"text":"Oh, so I've gotta gotta get that because it's they gave me that pension when I retired.","start":311.19,"end":315.45,"sentiment":"neutral","sentiment_score":-0.07509381959543508},{"text":"And that's all I've gotta have enough money to live from 67 to to the day I die plus and try to help have enough money from the kids to be.","start":317.91,"end":327.865,"sentiment":"neutral","sentiment_score":-0.051166743490724795},{"text":"But once I go on, like, funerals, since prices are going up ridiculously, that's why I'm I'm looking in trying to get more money.","start":329.765,"end":339.94,"sentiment":"neutral","sentiment_score":-0.22208305075764656},{"text":"So Yep.","start":339.94,"end":358.435,"sentiment":"neutral","sentiment_score":0.014584086835384369},{"text":"Yep.","start":373.765,"end":374.265,"sentiment":"neutral","sentiment_score":-0.0033741879742592573}],"sentiment":"neutral","sentiment_score":-0.10889284285095831,"num_words":75,"start":311.19,"end":374.265},{"sentences":[{"text":"Yeah.","start":382.245,"end":382.48502,"sentiment":"neutral","sentiment_score":0.05602794513106346},{"text":"Both.","start":382.48502,"end":382.98502,"sentiment":"neutral","sentiment_score":0.062392741441726685},{"text":"Depends on how long it's gonna take.","start":395.19,"end":397.37,"sentiment":"neutral","sentiment_score":-0.03743226506880352},{"text":"Because but, yes, it's Alright.","start":398.55,"end":431.73502,"sentiment":"neutral","sentiment_score":0.01018846482038498},{"text":"Yeah.","start":443.59998,"end":444.09998,"sentiment":"neutral","sentiment_score":-0.08214224874973297}],"sentiment":"neutral","sentiment_score":-0.011653672903776169,"num_words":15,"start":382.245,"end":444.09998},{"sentences":[{"text":"That when that happens, will that count go paid off?","start":446.87997,"end":450.08,"sentiment":"neutral","sentiment_score":-0.13988957330584526},{"text":"Because I was planning on just leave leave and that haven't whatever superannuation my employee pays and still go straight in back into that, which What I mean is when you do the transition over to there, the mess what I've got in there now, will half twenty four still be open?","start":450.08,"end":479.32,"sentiment":"neutral","sentiment_score":-0.07998447084369567},{"text":"Because Yeah.","start":479.32,"end":546.32495,"sentiment":"neutral","sentiment_score":-0.04148232564330101},{"text":"Yeah.","start":561.93005,"end":562.09,"sentiment":"neutral","sentiment_score":-0.0209342148154974},{"text":"Because I I was planning just whatever I got in there now.","start":562.09,"end":566.09,"sentiment":"neutral","sentiment_score":-0.22611930718024573}],"sentiment":"neutral","sentiment_score":-0.10877167232721657,"num_words":77,"start":446.87997,"end":566.09},{"sentences":[{"text":"That's all I was gonna transfer, and I I wanted to keep pressing stuff.","start":566.09,"end":569.545,"sentiment":"neutral","sentiment_score":-0.3175549017531531},{"text":"I'm like, well, you can just keep putting it back in the hut hut hut 24, and you just can work on whatever you've gotta do too.","start":569.545,"end":576.445,"sentiment":"positive","sentiment_score":0.3979477639551516},{"text":"Alright.","start":659.625,"end":660.125,"sentiment":"neutral","sentiment_score":0.2391902208328247},{"text":"Yeah.","start":691.945,"end":692.445,"sentiment":"neutral","sentiment_score":0.16286756098270416},{"text":"Because I've lost last time, I worked there.","start":692.73,"end":696.81,"sentiment":"neutral","sentiment_score":-0.10084312735125422}],"sentiment":"neutral","sentiment_score":0.11557125029902832,"num_words":51,"start":566.09,"end":696.81},{"sentences":[{"text":"It was about 283,000, which I agreed to to to the SMS plan.","start":696.81,"end":702.99,"sentiment":"neutral","sentiment_score":0.048763249356013075},{"text":"That depends on on how much money you've been.","start":706.395,"end":709.215,"sentiment":"neutral","sentiment_score":-0.032550222550829254},{"text":"Trade would use would not would not know.","start":710.875,"end":716.335,"sentiment":"neutral","sentiment_score":-0.1139700342901051},{"text":"How much like, if you sell everything, how much money?","start":728.83997,"end":732.68,"sentiment":"neutral","sentiment_score":0.033981364034116265},{"text":"Who do I have in my account?","start":732.68,"end":733.96,"sentiment":"neutral","sentiment_score":-0.009459912776947021}],"sentiment":"neutral","sentiment_score":-0.006323314569097884,"num_words":47,"start":696.81,"end":733.96},{"sentences":[{"text":"But that that's the question and answer.","start":733.96,"end":736.745,"sentiment":"neutral","sentiment_score":0.010902176810694593},{"text":"You might be able to help me now, would you?","start":736.745,"end":738.60504,"sentiment":"neutral","sentiment_score":0.153787063062191},{"text":"On on one product.","start":787.95,"end":789.07,"sentiment":"neutral","sentiment_score":0.033150545321404934},{"text":"Is that Yeah.","start":789.07,"end":826.755,"sentiment":"neutral","sentiment_score":0.02365949998299281},{"text":"But how much would that with everything?","start":826.755,"end":828.935,"sentiment":"neutral","sentiment_score":-0.014530247343438012}],"sentiment":"neutral","sentiment_score":0.055356607036364656,"num_words":31,"start":733.96,"end":828.935},{"sentences":[{"text":"Is that it?","start":844.26,"end":845.06,"sentiment":"neutral","sentiment_score":-0.014467901860674223},{"text":"Why don't you sell everything?","start":845.06,"end":846.83997,"sentiment":"neutral","sentiment_score":-0.18146683871746064},{"text":"Yeah.","start":912.065,"end":912.565,"sentiment":"neutral","sentiment_score":0.11227431893348694},{"text":"So the price on on the app is what money thing I the thing because every time you buy stuff, it it goes down.","start":916.5,"end":926.18,"sentiment":"neutral","sentiment_score":0.008796830040713152},{"text":"But Yep.","start":926.18,"end":942.21,"sentiment":"neutral","sentiment_score":0.12280043959617615}],"sentiment":"neutral","sentiment_score":-0.010906822287610599,"num_words":35,"start":844.26,"end":942.21},{"sentences":[{"text":"Yeah.","start":985.68,"end":986.18,"sentiment":"neutral","sentiment_score":0.0514206625521183},{"text":"But how much money I'll I'll just count.","start":986.39996,"end":990.295,"sentiment":"neutral","sentiment_score":-0.025726486463099718},{"text":"I I I'm not good at in different like, once you sell up all the trades, is that price gonna go up or the and then the Yep.","start":990.675,"end":1045.625,"sentiment":"neutral","sentiment_score":-0.16571007243224553},{"text":"Yeah.","start":1090.615,"end":1091.115,"sentiment":"neutral","sentiment_score":0.13327813148498535},{"text":"No.","start":1104.145,"end":1104.645,"sentiment":"neutral","sentiment_score":-0.30629903078079224}],"sentiment":"neutral","sentiment_score":-0.12736651683465028,"num_words":39,"start":985.68,"end":1104.645},{"sentences":[{"text":"Yep.","start":1139.355,"end":1139.855,"sentiment":"neutral","sentiment_score":0.21096870303153992},{"text":"Yeah.","start":1147.48,"end":1147.98,"sentiment":"neutral","sentiment_score":0.09384731948375702},{"text":"Yeah.","start":1151.24,"end":1151.48,"sentiment":"neutral","sentiment_score":0.10981182754039764},{"text":"We just submit an email and if you can.","start":1151.48,"end":1154.7799,"sentiment":"neutral","sentiment_score":0.09990809030003017},{"text":"And because the seller's ringing me again tonight with more information.","start":1155.32,"end":1162.745,"sentiment":"neutral","sentiment_score":-0.0066551102155988865}],"sentiment":"neutral","sentiment_score":0.05393888914714689,"num_words":23,"start":1139.355,"end":1162.745},{"sentences":[{"text":"Yeah.","start":1164.725,"end":1165.225,"sentiment":"neutral","sentiment_score":0.09451206773519516},{"text":"Just the head head stuff ring.","start":1166.565,"end":1168.825,"sentiment":"neutral","sentiment_score":0.03190798995395502},{"text":"But will I be able to claim I won't be able to claim that Capital Grain tax when we tax a lot.","start":1192.8551,"end":1197.675,"sentiment":"neutral","sentiment_score":0.066074956885793},{"text":"Alrighty.","start":1209.0599,"end":1209.5599,"sentiment":"neutral","sentiment_score":0.20062172412872312},{"text":"Alrighty.","start":1214.02,"end":1214.52,"sentiment":"neutral","sentiment_score":0.30208155512809753}],"sentiment":"neutral","sentiment_score":0.0723326560710707,"num_words":31,"start":1164.725,"end":1214.52},{"sentences":[{"text":"Yep.","start":1235.16,"end":1235.66,"sentiment":"neutral","sentiment_score":0.11635558307170868},{"text":"Okey dokey.","start":1240.6001,"end":1241.5,"sentiment":"neutral","sentiment_score":0.1904468908905983},{"text":"Yeah.","start":1261.3201,"end":1261.8201,"sentiment":"neutral","sentiment_score":0.0008366554975509644},{"text":"Yeah.","start":1263.8,"end":1264.2001,"sentiment":"neutral","sentiment_score":0.02898344583809376},{"text":"Definitely, that makes that R34 just insurance.","start":1264.2001,"end":1266.8601,"sentiment":"neutral","sentiment_score":0.03813984963510718}],"sentiment":"neutral","sentiment_score":0.06617070113619168,"num_words":12,"start":1235.16,"end":1266.8601},{"sentences":[{"text":"It's just but I when I seen the price the other day because when I first seen it, I was only paying a thousand dollars.","start":1267.7201,"end":1273.295,"sentiment":"neutral","sentiment_score":-0.10951781529933215},{"text":"But now it's all the time going up $33.","start":1273.355,"end":1275.855,"sentiment":"neutral","sentiment_score":-0.13452270378669104},{"text":"And just just for the the product up that much.","start":1286.82,"end":1289.48,"sentiment":"neutral","sentiment_score":0.015198831260204316},{"text":"I've seen it the other day.","start":1289.62,"end":1290.6599,"sentiment":"neutral","sentiment_score":-0.20799092203378677},{"text":"I couldn't believe why they put me glasses on.","start":1290.6599,"end":1292.5,"sentiment":"negative","sentiment_score":-0.5066680080360837}],"sentiment":"neutral","sentiment_score":-0.16279015268625344,"num_words":59,"start":1267.7201,"end":1292.5},{"sentences":[{"text":"Is this bloody rough?","start":1292.5,"end":1293.7799,"sentiment":"negative","sentiment_score":-0.5257826820015907},{"text":"And I said, no way I'm gonna keep this going.","start":1293.7799,"end":1296.52,"sentiment":"negative","sentiment_score":-0.43625135719776154},{"text":"Yep.","start":1308.995,"end":1309.495,"sentiment":"neutral","sentiment_score":0.2856779992580414},{"text":"Okay.","start":1310.91,"end":1311.41,"sentiment":"neutral","sentiment_score":0.130949005484581},{"text":"Yep.","start":1314.43,"end":1314.8301,"sentiment":"neutral","sentiment_score":0.1459774523973465}],"sentiment":"negative","sentiment_score":-0.3472376378143535,"num_words":17,"start":1292.5,"end":1314.8301},{"sentences":[{"text":"Okay.","start":1314.8301,"end":1315.15,"sentiment":"neutral","sentiment_score":0.27078932523727417},{"text":"Thanks, Tom.","start":1315.15,"end":1315.9701,"sentiment":"positive","sentiment_score":0.6934882402420044},{"text":"Okay.","start":1318.8301,"end":1319.2301,"sentiment":"positive","sentiment_score":0.5054891705513},{"text":"Thank you.","start":1319.2301,"end":1319.89,"sentiment":"positive","sentiment_score":0.7503530085086823},{"text":"Bye.","start":1321.7101,"end":1322.2101,"sentiment":"neutral","sentiment_score":-0.12337759882211684}],"sentiment":"positive","sentiment_score":0.5057976277811187,"num_words":7,"start":1314.8301,"end":1322.2101}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Hi, Lyle. Larissa, Oaktree Financial. How are you going? That's good. I, I just thought I'd try my luck a little early.\n\nI had you in my calendar for 06:00, and I thought I'd give you a a call a couple minutes early to see if you had time to chat now.\n\nChannel 1: Yeah. Well, I'm driving. I'm sorry. It's all good.\n\nChannel 0: Perfect. Well, before I jump into it, I do need to let you know that our calls are recorded. And if I could just get you some terms of security, just full name, date of birth, and address.\n\nChannel 1: Hello? That's the coffee stick, though.\n\nChannel 0: Perfect. Alright. So I have a a a note on file that you left with Jack that you were wanting to cancel your towel policy before renewal in November because the the the premiums are sorta getting a bit steep.\n\nChannel 1: Well, medical, right, for insurance. It is it is safe.\n\nChannel 0: Very steep. Very, very much so. Perfect. Because I I know like, I I read through your file and had a look at everything. I can I can see that, you know, the the policy has been around for a long time, and there have been conversations about possibly canceling it, reducing it, so forth like that?\n\nChannel 1: I\n\nChannel 0: Are you wanting to look at alternatives in terms of cover, or do you straight up\n\nChannel 1: just wanna cancel that. And the other thing that I want to call was the cash in all of me SS because I'm gonna start up a SMS in fund.\n\nChannel 0: An SMSF?\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. Hi. And what's the intention, I guess, with the SMSF?\n\nChannel 1: Oh, well, I'm not looking to get into shade, isn't it?\n\nChannel 0: Okay. Because because with an SMSF, there are, I guess, a few options available with respect to, like, how you trade, where you trade, what you do with the account.\n\nChannel 1: Yep.\n\nChannel 0: Like, ultimately, with an SMSF, you would have to set up a bank account that's owned by the trust. You become the trustee for that, and you have to, I guess, respect the rules and regulations for the super fund. And then from there, you can set up accounts that are owned by the the SMSF, by the trust that you then invest on. So you you have different platforms that you could then invest on. Have you looked into, I guess, where you're wanting to invest?\n\nBecause you could set up like, Hub twenty four does have the facilities to enable you to trade like you're like, exactly like you're saying, but under an SMSF ownership.\n\nChannel 1: Yeah. Well, we've been talking to a mob called William, and they've they've already got me started. They put credit on to me. Yeah. And so I I can get the SMS one set up.\n\nChannel 0: Yeah. And then and then from there, you'd you transition all the funds over and\n\nChannel 1: Yeah.\n\nChannel 0: yep. Alright. And I guess what's the what's the intent with the, like, the SMSF? You're just gonna sort of day trade it, or you just wanna get a little bit more into, like, stock trading?\n\nChannel 1: At this stage, stock trading. That's what all my working on now. Like, in a week, like, I might I might have been doing a week or he's been doing it for a week for me, and I've already made $60 on on profit already. So once everything goes through, his goal is to try to get me $2,500,000 before I retire. And when\n\nChannel 0: Okay.\n\nChannel 1: I was speak I was speaking to the other girl. She told me last time by the time I retire, I should be up around about 720,000, which is, like the three and a half times more of what you guys can get. Just what you're doing now.\n\nChannel 0: Yeah. Very, like, very very different investment approaches, like stock\n\nChannel 1: Yeah.\n\nChannel 0: trading. Yeah.\n\nChannel 1: Yeah. Yeah. I I I I I I understand it, but I'd rather have $2,500,000 when I retire than, like, 700,000 units. You know where I'm coming from?\n\nChannel 0: Yep. Yeah. Absolutely. Sorry. What was the name of the the group?\n\nJust\n\nChannel 1: It's Bill Billian Billian, I think it is. Billian, l a n.\n\nChannel 0: hi. Cool. So, obviously, like, they've explained the risks of stock trading. Nothing's guaranteed.\n\nChannel 1: Yeah.\n\nChannel 0: The 2.5 mil is still not guaranteed, but you're willing to take the risk by the sounds of it.\n\nChannel 1: Oh, so I've gotta gotta get that because it's they gave me that pension when I retired. And\n\nChannel 0: Look.\n\nChannel 1: that's\n\nChannel 0: Patent.\n\nChannel 1: all I've gotta have enough money to live from 67 to to the day I die plus and try to help have enough money from the kids to be. But once I go on, like, funerals, since prices are going up ridiculously, that's why I'm I'm looking in trying to get more money. So\n\nChannel 0: Yeah. Okay. Alright. So what I can do is I can issue you it'll be tomorrow morning just because of the time of night that it is. But tomorrow morning, I can issue you what's called a execution only document where you\n\nChannel 1: Yep.\n\nChannel 0: have provided me with an instruction. Instruction one was to cancel the entirety of your towel policy, meaning that you will no longer have a benefit under that policy. That policy will completely cease.\n\nChannel 1: Yep.\n\nChannel 0: And then instruction two is to sell and liquidate all of your assets under your hub account. Can I\n\nChannel 1: Yeah.\n\nChannel 0: confirm\n\nChannel 1: Both.\n\nChannel 0: that you do want me to liquidate the the assets now ahead of you having the account set up, or do you wanna wait until you have the account set up?\n\nChannel 1: Depends on how long it's gonna take. Because\n\nChannel 0: To set up the account or liquidate the assets?\n\nChannel 1: but, yes, it's\n\nChannel 0: So liquidating the assets, majority of the assets will liquidate within probably about three to five days. Managed funds for which you do have I remember correctly. I'm just having another quick look at it. No. Sorry.\n\nI lied. You your your account will actually pretty much liquidate within a week because you\n\nChannel 1: Alright.\n\nChannel 0: don't you don't have any managed funds. You have listed securities only, so ETFs. So they will liquidate quite quickly. Managed funds for which you don't have anything, they take two plus weeks.\n\nChannel 1: Yeah.\n\nChannel 0: But, no, your account will liquidate probably within five days.\n\nChannel 1: That when that happens, will that count go paid off? Because I was planning on just leave leave and that haven't whatever superannuation my employee pays and still go straight in back into that, which\n\nChannel 0: An employer can pay into an SMSF account, providing your employer is happy to do so. Not all employers will do so, but providing your employer is happy.\n\nChannel 1: What I mean is when you do the transition over to there, the mess what I've got in there now,\n\nChannel 0: Mhmm.\n\nChannel 1: will half twenty four still be open? Because\n\nChannel 0: No. It'll close. Yeah. So if you do a full account transition, so $285,000 will leave the account, go over to the SMSF account. We also can't trigger the rollover to your SMSF because it is a SMSF.\n\nWe can we can move it to any other APRA fund. So I could send it to AustralianSuper. I could send it anywhere. With an SMSF, the request has to come from the SMSF because what happens is it'll be sent through SuperStream. SuperStream will basically send it to the ATO.\n\nThe ATO will do a verification that the the that the SMSF is a valid fund, and then we'll send it through to Hub twenty four. Hub twenty four will only action once they receive that tick of confirmation that it is a legitimate and valid super fund. So it can't ever go from hub to an SMSF. The request has to come from the super fund. So once the team set up the account, they will have, like they'll they'll be using a back\n\nChannel 1: Yeah.\n\nChannel 0: end software of some form. So it'll be like CHEST or something like that for the actual SMSF to sit on legislatively. They can just trigger a request in full from the hub account over into the SMSF account.\n\nChannel 1: Yeah. Because I I was planning just whatever I got in there now. That's all I was gonna transfer, and I I wanted to keep pressing stuff. I'm like, well, you can just keep putting it back in the hut hut hut 24, and you just can work on whatever you've gotta do too.\n\nChannel 0: I mean, the other option is is you could sort of maybe, like, move, say, 250, leave, you know, $30 or so or you you need to leave about 15 minimum in that account to keep the account open, and then your contributions can go in from there. So you could move majority of it and leave sort of that $15 and play it that way and have the dual accounts. But realistically speaking, it means that you're paying account keeping fees for the hub twenty four account, which means they have a flat administration fee, which means you're paying for that. And then your SMSF, you're paying for the financial audit. You'll be paying for whatever platform you're using, any buy and sell for the investments that you're buying and selling, everything else there.\n\nSo it just it just depends on what your what your overall overall goal is. Are you wanting to, you know, just risk the majority of the money that you have that you're you're wanting to to put on and day trade or stock trade? And then just because your employer doesn't wanna pay into an SMSF fund because, realistically, if you've got a stock trader doing everything for you, then the money that they receive in cash into your SMSF fund, they'll just incorporate that into their buys.\n\nChannel 1: Alright.\n\nChannel 0: So it might be a conversation to have with them as to which avenue the account can support, what you're wanting to do with the account to make sure that you're aligned with it, or whether the conversation you've had with them is that, no. You wanna keep your hub 20 four open because your employer contributions are gonna go there, And you they're only getting this much money, and that's what they have to do to to grow. It\n\nChannel 1: Yeah.\n\nChannel 0: it definitely\n\nChannel 1: Because\n\nChannel 0: yeah.\n\nChannel 1: I've\n\nChannel 0: Sorry.\n\nChannel 1: lost last time, I worked there. It was about 283,000, which I agreed\n\nChannel 0: Yep.\n\nChannel 1: to to to the SMS plan.\n\nChannel 0: Yep. It's\n\nChannel 1: That depends on on how much money you've been. Trade would use would not would not know.\n\nChannel 0: yeah. Yeah. Hub Hub would need sort of $15 like, you would need to leave $15 in the account with Hub twenty\n\nChannel 1: How\n\nChannel 0: four if\n\nChannel 1: much\n\nChannel 0: you wanna keep it open.\n\nChannel 1: like, if you sell everything, how much money? Who do I have in my account? But that that's the question and answer. You might be able to help me now, would you?\n\nChannel 0: No. I can. Give me two seconds while I go quiet, and I confirm what capital gains you have to pay. But, yes, I can tell you how much you would today if I sold everything today. Here it is.\n\nOkay. So capital gains tax, you will pay 5,100 and $100.40.\n\nChannel 1: On on one product. Is that\n\nChannel 0: So that's on so the gross so the gain that your account has had, discounts that apply. So the account gets discounts if you've held the assets for an an extended period of time, which then calculates what the net net capital gain is. So your net capital gain for the account's $34,000 after gross gain, which is 53, and then the discounts apply. The net gain's 34015% tax on that, which is $5.\n\nChannel 1: Yeah. But how much would that with everything?\n\nChannel 0: Oh, right. Apologies. Right. What you're you're asking balance. $2,796.50.\n\nChannel 1: Is that it? Why don't you sell everything?\n\nChannel 0: Correct. Yeah. So what would leave the account is roughly that balance. That's if it'll trigger today. Like, tomorrow, know, capital gain could be more, whatever the case may be, but that's estimate based on today.\n\nRealistically speaking, if you don't have the SMSF set up yet because you have ETFs, it doesn't take long just to sell the ETFs. It's a matter of get your accounting side set up, confirm once the bank account's been because it's you have to set up the trust. You have to set up everything up. You have to make sure that the ATO has the bank account listed correctly. Make sure that it's registered.\n\nOnce that's all done, just what I'll do is I'll send you an email, and you can email me back and say everything is set up. I give authority for you to sell liquidate all assets, and I'll liquidate the assets then.\n\nChannel 1: Yeah.\n\nChannel 0: That way, I just I hold off on liquidating them until you're ready.\n\nChannel 1: So the price on on the app is what money thing I the thing because every time you buy stuff, it it goes down. But\n\nChannel 0: So portfolio value is $285,715.90. That's what your entire portfolio is worth. And\n\nChannel 1: Yep.\n\nChannel 0: then you've got $5 worth of GAAP gains to to pay if you sell out prior to, like, retiring, prior to, you know we didn't consider you selling out these assets. And I know that we we did an investment swap on your account not too long ago, which means that you haven't held a lot of those assets for a long period of time, which is why the capital gains a little bit higher. Because you get a discount based on the length of time that you've held the assets. If you hold an asset for over twelve months, you get a discount to any capital gains that apply upon the sale of that asset.\n\nChannel 1: Yeah. But how much money I'll I'll just count. I I I'm not good at in different like, once you sell up all the trades,\n\nChannel 0: Yep.\n\nChannel 1: is that price gonna go up or\n\nChannel 0: So\n\nChannel 1: the and then\n\nChannel 0: if\n\nChannel 1: the\n\nChannel 0: I so if I liquidate all the assets, you will have cash sitting in your account. Cash will be cash is cash. You'll if you leave the money in the account for a month or so, you'll get paid interest on the cash that's been sitting in the account. It works like an old bank account at that point, but that's it. Like, the, like, the Australian dollar value doesn't affect, like, the cash.\n\nIt's just you'll get paid interest on the money sitting in the account, but that's the extent of it. It's not gonna go up or down because you don't own any shares that are going up or down. You have cash in a bank account, essentially.\n\nChannel 1: Yep.\n\nChannel 0: If I keep the assets that you currently own and just hold them until you're ready to sell, the assets will be worth whatever the assets are worth on the day that I trigger it, and that is depending on when you ask me to complete a sell, depending on market increase, decrease, so to speak. Capital gains will be calculated as of the day that we sell through. But as of today, that's where the account stands. So it it it is up to you which which direction you wanna go. I don't have to trigger anything on this side.\n\nI can just do a straight up cancellation for the insurance,\n\nChannel 1: Yeah.\n\nChannel 0: and then we can you can circle so you can circle back on the sale of the assets that move to, you know, SMSF, what that looks like. I'm not saying\n\nChannel 1: No.\n\nChannel 0: don't go. Like, you you've obviously invested time, energy, and effort into exploring this as an option. You know, I've cautioned you on, you know, volatility and and working the market in the way that the that the broker is obviously going to. There can be some heavy losses that do occur. So, you know, as long as you're you're prepared to take that additional risk, that's that's absolutely fine.\n\nIt's just a matter of how you exactly wanna execute everything, which I can take instruction and do on your behalf.\n\nChannel 1: Yep.\n\nChannel 0: You don't have to have an answer for me tonight.\n\nChannel 1: Yeah. Yeah. We just submit an email and if you can. And\n\nChannel 0: Yeah.\n\nChannel 1: because the seller's ringing me again tonight\n\nChannel 0: Yep.\n\nChannel 1: with more information. Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Just the head head stuff ring.\n\nChannel 0: Yeah. That's fine. I'll I'll send you an email as soon as we get off the phone so that way you can have a chat to him. I'll literally I will literally screenshot from your account where your account sits right now, what the estimated capital gains calculation's gonna be, where where that, you know, balance is, all that kind of stuff. I'll I'll send that through to you.\n\nChannel 1: But will I be able to claim I won't be able to claim that Capital Grain tax when we tax a lot.\n\nChannel 0: No. Your super fund already does that for you. It pays the lowest possible tax rate applicable. It pays much lower than your tax rate.\n\nChannel 1: Alrighty.\n\nChannel 0: Yeah.\n\nChannel 1: Alrighty.\n\nChannel 0: And even in even in your SMSF, the same thing's gonna apply, especially if you're buying and selling the way that a a day trader or a stock broker will. On the sells, you're gonna have capital gains within the fund, and the fund will pay them out as needed.\n\nChannel 1: Yep. Okey dokey.\n\nChannel 0: Cool. Alright. Well, I'll send you an email and just break things down. And when you have had a chance to have a chat to your broker, you can come back to me and I will apply the instruction. But tomorrow, I will send you a execution document to cancel the insurance.\n\nChannel 1: Yeah.\n\nChannel 0: So I will make sure that that's done.\n\nChannel 1: Yeah. Definitely, that makes that R34 just insurance. It's\n\nChannel 0: Yeah.\n\nChannel 1: just but I when I seen the price the other day because when I first seen it, I was only paying a thousand dollars. But now it's all the time going up $33.\n\nChannel 0: Yeah. Because I I had a look at the policy. You've had the policy since before you were a client with Oakview. It's it's it's been a long term policy for you.\n\nChannel 1: And\n\nChannel 0: So\n\nChannel 1: just\n\nChannel 0: it's\n\nChannel 1: just for the the product up that much. I've seen it the other day. I couldn't believe why they put me glasses on. Is this bloody rough? And I said, no way I'm gonna keep this going.\n\nChannel 0: yes. No. Absolutely fair. Alright. Cool.\n\nWell, I'll cancel the insurance policy. I'll get that document out for you tomorrow, and I'll send you an email so you can have a chat to your broker and come back to me with instructions.\n\nChannel 1: Yep.\n\nChannel 0: Cool. If you have\n\nChannel 1: Okay.\n\nChannel 0: any quest questions, just flick them through to me in an email. Alright?\n\nChannel 1: Yep. Okay. Thanks, Tom.\n\nChannel 0: No. No stress at all, Al. You have a good one.\n\nChannel 1: Okay. Thank you.\n\nChannel 0: Alright. Bye.\n\nChannel 1: Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.36,"end":1.86,"sentiment":"neutral","sentiment_score":0.03147616982460022}],"sentiment":"neutral","sentiment_score":0.03147616982460022,"channel":1,"num_words":1,"start":1.36,"end":1.86},{"sentences":[{"text":"Hi, Lyle.","start":2.96,"end":3.76,"sentiment":"neutral","sentiment_score":0.15058023482561111},{"text":"Larissa, Oaktree Financial.","start":3.76,"end":5.12,"sentiment":"neutral","sentiment_score":0.1714601218700409},{"text":"How are you going?","start":5.12,"end":6.02,"sentiment":"neutral","sentiment_score":0.2699090391397476},{"text":"That's good.","start":8.48,"end":9.46,"sentiment":"positive","sentiment_score":0.7033282220363617},{"text":"I, I just thought I'd try my luck a little early.","start":9.5199995,"end":12.015,"sentiment":"neutral","sentiment_score":0.1864705444736914}],"sentiment":"neutral","sentiment_score":0.24331861023198476,"channel":0,"num_words":22,"start":2.96,"end":12.015},{"sentences":[{"text":"I had you in my calendar for 06:00, and I thought I'd give you a a call a couple minutes early to see if you had time to chat now.","start":12.255,"end":19.875,"sentiment":"neutral","sentiment_score":0.11304439927140872}],"sentiment":"neutral","sentiment_score":0.11304439927140872,"channel":0,"num_words":30,"start":12.255,"end":19.875},{"sentences":[{"text":"Yeah.","start":20.475,"end":20.715,"sentiment":"neutral","sentiment_score":0.09077537059783936},{"text":"Well, I'm driving.","start":20.715,"end":21.515,"sentiment":"neutral","sentiment_score":0.0760633150736491},{"text":"I'm sorry.","start":21.515,"end":22.175,"sentiment":"neutral","sentiment_score":0.06899165362119675},{"text":"It's all good.","start":22.475,"end":23.375,"sentiment":"positive","sentiment_score":0.4098947246869405}],"sentiment":"neutral","sentiment_score":0.18740364412466684,"channel":1,"num_words":9,"start":20.475,"end":23.375},{"sentences":[{"text":"Perfect.","start":24.095001,"end":24.595001,"sentiment":"positive","sentiment_score":0.4303893446922302},{"text":"Well, before I jump into it, I do need to let you know that our calls are recorded.","start":25.34,"end":28.720001,"sentiment":"neutral","sentiment_score":0.011245115453170406},{"text":"And if I could just get you some terms of security, just full name, date of birth, and address.","start":29.02,"end":32.56,"sentiment":"neutral","sentiment_score":0.021095295289629383}],"sentiment":"neutral","sentiment_score":0.027200316667164628,"channel":0,"num_words":38,"start":24.095001,"end":32.56},{"sentences":[{"text":"Hello?","start":33.18,"end":33.66,"sentiment":"neutral","sentiment_score":0.00279349647462368},{"text":"That's the coffee stick, though.","start":33.66,"end":35.2,"sentiment":"neutral","sentiment_score":0.011122326040640474}],"sentiment":"neutral","sentiment_score":0.009734187779637674,"channel":1,"num_words":6,"start":33.18,"end":35.2},{"sentences":[{"text":"Perfect.","start":41.515,"end":42.015,"sentiment":"neutral","sentiment_score":0.2386910617351532},{"text":"Alright.","start":44.554996,"end":45.054996,"sentiment":"neutral","sentiment_score":0.06853973865509033},{"text":"So I have a a a note on file that you left with Jack that you were wanting to cancel your towel policy before renewal in November because the the the premiums are sorta getting a bit steep.","start":45.195,"end":59.420002,"sentiment":"neutral","sentiment_score":-0.16206029292784238}],"sentiment":"neutral","sentiment_score":-0.1462765082716942,"channel":0,"num_words":40,"start":41.515,"end":59.420002},{"sentences":[{"text":"Well, medical, right, for insurance.","start":59.98,"end":61.84,"sentiment":"neutral","sentiment_score":-0.015100067108869552},{"text":"It is it is safe.","start":61.98,"end":63.760002,"sentiment":"neutral","sentiment_score":0.10674420073628425}],"sentiment":"neutral","sentiment_score":0.04582206681370735,"channel":1,"num_words":10,"start":59.98,"end":63.760002},{"sentences":[{"text":"Very steep.","start":64.12,"end":65.020004,"sentiment":"neutral","sentiment_score":-0.036773206666111946},{"text":"Very, very much so.","start":65.595,"end":66.815,"sentiment":"neutral","sentiment_score":0.17582786083221436},{"text":"Perfect.","start":69.115005,"end":69.595,"sentiment":"positive","sentiment_score":0.3360360264778137},{"text":"Because I I know like, I I read through your file and had a look at everything.","start":69.595,"end":75.19501,"sentiment":"neutral","sentiment_score":0.029299289207248128},{"text":"I can I can see that, you know, the the policy has been around for a long time, and there have been conversations about possibly canceling it, reducing it, so forth like that?","start":75.19501,"end":85.37,"sentiment":"neutral","sentiment_score":-0.07187461751428517}],"sentiment":"neutral","sentiment_score":-0.01592935798199553,"channel":0,"num_words":57,"start":64.12,"end":85.37},{"sentences":[{"text":"I","start":85.53,"end":86.03,"sentiment":"neutral","sentiment_score":-0.08949899673461914}],"sentiment":"neutral","sentiment_score":-0.08949899673461914,"channel":1,"num_words":1,"start":85.53,"end":86.03},{"sentences":[{"text":"Are you wanting to look at alternatives in terms of cover, or do you straight up","start":86.63,"end":94.185005,"sentiment":"neutral","sentiment_score":-0.13162751588970423}],"sentiment":"neutral","sentiment_score":-0.13162751588970423,"channel":0,"num_words":16,"start":86.63,"end":94.185005},{"sentences":[{"text":"just wanna cancel that.","start":95.13,"end":96.909996,"sentiment":"neutral","sentiment_score":-0.1359147671610117},{"text":"And the other thing that I want to call was the cash in all of me SS because I'm gonna start up a SMS in fund.","start":96.97,"end":106.845,"sentiment":"neutral","sentiment_score":-0.018685357824254494}],"sentiment":"neutral","sentiment_score":-0.03431594573582212,"channel":1,"num_words":30,"start":95.13,"end":106.845},{"sentences":[{"text":"An SMSF?","start":107.49,"end":108.39,"sentiment":"neutral","sentiment_score":-0.0024682695511728525}],"sentiment":"neutral","sentiment_score":-0.0024682695511728525,"channel":0,"num_words":2,"start":107.49,"end":108.39},{"sentences":[{"text":"Yeah.","start":109.305,"end":109.805,"sentiment":"neutral","sentiment_score":0.005333738401532173}],"sentiment":"neutral","sentiment_score":0.005333738401532173,"channel":1,"num_words":1,"start":109.305,"end":109.805},{"sentences":[{"text":"Yeah.","start":110.37,"end":110.69,"sentiment":"neutral","sentiment_score":0.01072760671377182},{"text":"Hi.","start":110.69,"end":111.19,"sentiment":"neutral","sentiment_score":0.013431627303361893},{"text":"And what's the intention, I guess, with the SMSF?","start":112.61,"end":115.99,"sentiment":"neutral","sentiment_score":-0.014367423822275467}],"sentiment":"neutral","sentiment_score":-0.0095588709439405,"channel":0,"num_words":11,"start":110.37,"end":115.99},{"sentences":[{"text":"Oh, well, I'm not looking to get into shade, isn't it?","start":116.97,"end":121.31,"sentiment":"neutral","sentiment_score":-0.10959822142666037}],"sentiment":"neutral","sentiment_score":-0.10959822142666037,"channel":1,"num_words":11,"start":116.97,"end":121.31},{"sentences":[{"text":"Okay.","start":123.265,"end":123.765,"sentiment":"neutral","sentiment_score":-0.027674894779920575},{"text":"Because because with an SMSF, there are, I guess, a few options available with respect to, like, how you trade, where you trade, what you do with the account.","start":123.905,"end":133.605,"sentiment":"neutral","sentiment_score":-0.004192326217889786}],"sentiment":"neutral","sentiment_score":-0.004975078503290812,"channel":0,"num_words":30,"start":123.265,"end":133.605},{"sentences":[{"text":"Yep.","start":134.465,"end":134.965,"sentiment":"neutral","sentiment_score":-0.008150195702910423}],"sentiment":"neutral","sentiment_score":-0.008150195702910423,"channel":1,"num_words":1,"start":134.465,"end":134.965},{"sentences":[{"text":"Like, ultimately, with an SMSF, you would have to set up a bank account that's owned by the trust.","start":135.35,"end":141.13,"sentiment":"neutral","sentiment_score":-0.017414554267337446},{"text":"You become the trustee for that, and you have to, I guess, respect the rules and regulations for the super fund.","start":141.83,"end":151.25499,"sentiment":"neutral","sentiment_score":0.2707371335654032},{"text":"And then from there, you can set up accounts that are owned by the the SMSF, by the trust that you then invest on.","start":152.275,"end":163.955,"sentiment":"neutral","sentiment_score":0.26712850915888947},{"text":"So you you have different platforms that you could then invest on.","start":163.955,"end":167.19,"sentiment":"neutral","sentiment_score":0.3285941369831562},{"text":"Have you looked into, I guess, where you're wanting to invest?","start":168.85,"end":171.49,"sentiment":"neutral","sentiment_score":0.1597271656448191}],"sentiment":"neutral","sentiment_score":0.2007565052815895,"channel":0,"num_words":87,"start":135.35,"end":171.49},{"sentences":[{"text":"Because you could set up like, Hub twenty four does have the facilities to enable you to trade like you're like, exactly like you're saying, but under an SMSF ownership.","start":171.49,"end":182.96501,"sentiment":"neutral","sentiment_score":0.23374731540679933}],"sentiment":"neutral","sentiment_score":0.23374731540679933,"channel":0,"num_words":30,"start":171.49,"end":182.96501},{"sentences":[{"text":"Yeah.","start":185.105,"end":185.345,"sentiment":"neutral","sentiment_score":0.18232309818267825},{"text":"Well, we've been talking to a mob called William, and they've they've already got me started.","start":185.345,"end":191.685,"sentiment":"neutral","sentiment_score":0.26498897187411785},{"text":"They put credit on to me.","start":192.625,"end":193.985,"sentiment":"positive","sentiment_score":0.4475637724002202},{"text":"Yeah.","start":193.985,"end":194.485,"sentiment":"neutral","sentiment_score":0.3330891728401184},{"text":"And so I I can get the SMS one set up.","start":196.065,"end":200.18001,"sentiment":"neutral","sentiment_score":0.3083308447491039}],"sentiment":"neutral","sentiment_score":0.3094930785042899,"channel":1,"num_words":35,"start":185.105,"end":200.18001},{"sentences":[{"text":"Yeah.","start":202.86,"end":203.18001,"sentiment":"neutral","sentiment_score":0.20169514417648315},{"text":"And then and then from there, you'd you transition all the funds over 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when","start":249.595,"end":250.07501,"sentiment":"neutral","sentiment_score":0.07834894768893719}],"sentiment":"neutral","sentiment_score":0.20274543686537072,"channel":1,"num_words":64,"start":223.71501,"end":250.07501},{"sentences":[{"text":"Okay.","start":249.995,"end":250.35,"sentiment":"neutral","sentiment_score":0.10219578444957732}],"sentiment":"neutral","sentiment_score":0.10219578444957732,"channel":0,"num_words":1,"start":249.995,"end":250.35},{"sentences":[{"text":"I was speak I was speaking to the other girl.","start":250.07501,"end":255.07,"sentiment":"neutral","sentiment_score":0.04794673547148705},{"text":"She told me last time by the time I retire, I should be up around about 720,000, which is, like the three and a half times more of what you guys can get.","start":255.77,"end":268.29498,"sentiment":"neutral","sentiment_score":0.16772750877972806},{"text":"Just what you're doing 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I I I I I understand it, but I'd rather have $2,500,000 when I retire than, like, 700,000 units.","start":278.03497,"end":285.96002,"sentiment":"neutral","sentiment_score":0.002379363588988781},{"text":"You know where I'm coming from?","start":285.96002,"end":287.34,"sentiment":"neutral","sentiment_score":-0.038668363044659294}],"sentiment":"neutral","sentiment_score":-0.002923409321478435,"channel":1,"num_words":28,"start":277.47498,"end":287.34},{"sentences":[{"text":"Yep.","start":287.66998,"end":287.99,"sentiment":"neutral","sentiment_score":0.03664149716496467},{"text":"Yeah.","start":287.99,"end":288.22998,"sentiment":"neutral","sentiment_score":0.09637703746557236},{"text":"Absolutely.","start":288.22998,"end":288.72998,"sentiment":"neutral","sentiment_score":0.11275556683540344},{"text":"Sorry.","start":289.845,"end":290.165,"sentiment":"neutral","sentiment_score":-0.06331312656402588},{"text":"What was the name of the the 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n.","start":295.485,"end":296.865,"sentiment":"neutral","sentiment_score":0.047043101862072945}],"sentiment":"neutral","sentiment_score":0.09875373914837837,"channel":1,"num_words":12,"start":293.005,"end":296.865},{"sentences":[{"text":"hi.","start":298.325,"end":298.64502,"sentiment":"neutral","sentiment_score":0.15987028181552887},{"text":"Cool.","start":298.64502,"end":299.14502,"sentiment":"positive","sentiment_score":0.4322936832904816},{"text":"So, obviously, like, they've explained the risks of stock trading.","start":301.605,"end":304.42502,"sentiment":"neutral","sentiment_score":-0.02411172240972519},{"text":"Nothing's guaranteed.","start":304.69998,"end":305.6,"sentiment":"neutral","sentiment_score":-0.23313436657190323}],"sentiment":"neutral","sentiment_score":-0.008230142295360565,"channel":0,"num_words":14,"start":298.325,"end":305.6},{"sentences":[{"text":"Yeah.","start":305.245,"end":305.745,"sentiment":"neutral","sentiment_score":-0.11314713954925536}],"sentiment":"neutral","sentiment_score":-0.11314713954925536,"channel":1,"num_words":1,"start":305.245,"end":305.745},{"sentences":[{"text":"The 2.5 mil is still not guaranteed, but you're willing to take the risk by the sounds of it.","start":305.66,"end":310.63998,"sentiment":"neutral","sentiment_score":-0.19285557811197482}],"sentiment":"neutral","sentiment_score":-0.19285557811197482,"channel":0,"num_words":19,"start":305.66,"end":310.63998},{"sentences":[{"text":"Oh, so I've gotta gotta get that because it's they gave me that pension when I 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I've gotta have enough money to live from 67 to to the day I die plus and try to help have enough money from the kids to be.","start":318.63,"end":327.865,"sentiment":"neutral","sentiment_score":-0.05310348010268705},{"text":"But once I go on, like, funerals, since prices are going up ridiculously, that's why I'm I'm looking in trying to get more 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you","start":352.045,"end":358.125,"sentiment":"neutral","sentiment_score":0.05203859135508537}],"sentiment":"neutral","sentiment_score":0.07621333863408793,"channel":0,"num_words":42,"start":341.56998,"end":358.125},{"sentences":[{"text":"Yep.","start":357.935,"end":358.435,"sentiment":"neutral","sentiment_score":0.03438780829310417}],"sentiment":"neutral","sentiment_score":0.03438780829310417,"channel":1,"num_words":1,"start":357.935,"end":358.435},{"sentences":[{"text":"have provided me with an instruction.","start":358.125,"end":360.385,"sentiment":"neutral","sentiment_score":0.028996347449719906},{"text":"Instruction one was to cancel the entirety of your towel policy, meaning that you will no longer have a benefit under that policy.","start":361.57,"end":370.71,"sentiment":"neutral","sentiment_score":-0.13688134256264436},{"text":"That policy will completely cease.","start":370.77,"end":372.735,"sentiment":"neutral","sentiment_score":-0.21124619543552398}],"sentiment":"neutral","sentiment_score":-0.11854481680647415,"channel":0,"num_words":34,"start":358.125,"end":372.735},{"sentences":[{"text":"Yep.","start":373.765,"end":374.265,"sentiment":"neutral","sentiment_score":-0.0033741879742592573}],"sentiment":"neutral","sentiment_score":-0.0033741879742592573,"channel":1,"num_words":1,"start":373.765,"end":374.265},{"sentences":[{"text":"And then instruction two is to sell and liquidate all of your assets under your hub account.","start":374.25497,"end":381.555,"sentiment":"neutral","sentiment_score":0.011084219550385195},{"text":"Can 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haven't whatever superannuation my employee pays and still go straight in back into that, which","start":450.08,"end":458.745,"sentiment":"neutral","sentiment_score":-0.15136605009436607}],"sentiment":"neutral","sentiment_score":-0.14808705672621728,"channel":1,"num_words":35,"start":446.87997,"end":458.745},{"sentences":[{"text":"An employer can pay into an SMSF account, providing your employer is happy to do so.","start":459.365,"end":464.085,"sentiment":"neutral","sentiment_score":0.26801322493702173},{"text":"Not all employers will do so, but providing your employer is happy.","start":464.085,"end":469.54498,"sentiment":"neutral","sentiment_score":0.14065660598377386}],"sentiment":"neutral","sentiment_score":0.21343181681420123,"channel":0,"num_words":28,"start":459.365,"end":469.54498},{"sentences":[{"text":"What I mean is when you do the transition over to there, the mess what I've got in there 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too.","start":569.545,"end":576.445,"sentiment":"positive","sentiment_score":0.3979477639551516}],"sentiment":"neutral","sentiment_score":0.06600842780123155,"channel":1,"num_words":54,"start":561.93005,"end":576.445},{"sentences":[{"text":"I mean, the other option is is you could sort of maybe, like, move, say, 250, leave, you know, $30 or so or you you need to leave about 15 minimum in that account to keep the account open, and then your contributions can go in from there.","start":580.085,"end":597.57,"sentiment":"neutral","sentiment_score":0.21417903434485197},{"text":"So you could move majority of it and leave sort of that $15 and play it that way and have the dual accounts.","start":598.03,"end":606.61505,"sentiment":"neutral","sentiment_score":0.2551734700151112},{"text":"But realistically speaking, it means that you're paying account keeping fees for the hub twenty four account, which means they have a flat administration fee, which means you're paying for that.","start":606.61505,"end":615.575,"sentiment":"neutral","sentiment_score":0.19376233508509974},{"text":"And then your SMSF, you're paying for the financial audit.","start":615.575,"end":619.98,"sentiment":"neutral","sentiment_score":0.23725376427173614},{"text":"You'll be paying for whatever platform you're using, any buy and sell for the investments that you're buying and selling, everything else there.","start":619.98,"end":625.92,"sentiment":"neutral","sentiment_score":0.2811172883147779}],"sentiment":"neutral","sentiment_score":0.22958852681848738,"channel":0,"num_words":135,"start":580.085,"end":625.92},{"sentences":[{"text":"So it just it just depends on what your what your overall overall goal is.","start":627.01996,"end":631.855,"sentiment":"neutral","sentiment_score":0.2761460026105245},{"text":"Are you wanting to, you know, just risk the majority of the money that you have that you're you're wanting to to put on and day trade or stock trade?","start":631.855,"end":640.915,"sentiment":"neutral","sentiment_score":0.1281077738851309},{"text":"And then just because your employer doesn't wanna pay into an SMSF fund because, realistically, if you've got a stock trader doing everything for you, then the money that they receive in cash into your SMSF fund, they'll just incorporate that into their buys.","start":641.055,"end":657.28503,"sentiment":"neutral","sentiment_score":0.1438433018259027}],"sentiment":"neutral","sentiment_score":0.16083739928147767,"channel":0,"num_words":89,"start":627.01996,"end":657.28503},{"sentences":[{"text":"Alright.","start":659.625,"end":660.125,"sentiment":"neutral","sentiment_score":0.2391902208328247}],"sentiment":"neutral","sentiment_score":0.2391902208328247,"channel":1,"num_words":1,"start":659.625,"end":660.125},{"sentences":[{"text":"So it might be a conversation to have with them as to which avenue the account can support, what you're wanting to do with the account to make sure that you're aligned with it, or whether the conversation you've had with them is that, no.","start":662.305,"end":675.27997,"sentiment":"neutral","sentiment_score":0.2828880429267883},{"text":"You wanna keep your hub 20 four open because your employer contributions are gonna go there, And you they're only getting this much money, and that's what they have to do to to grow.","start":675.27997,"end":691.885,"sentiment":"neutral","sentiment_score":0.24975217659683788},{"text":"It","start":691.885,"end":692.125,"sentiment":"neutral","sentiment_score":0.09800948947668076}],"sentiment":"neutral","sentiment_score":0.266494317818433,"channel":0,"num_words":80,"start":662.305,"end":692.125},{"sentences":[{"text":"Yeah.","start":691.945,"end":692.445,"sentiment":"neutral","sentiment_score":0.16286756098270416}],"sentiment":"neutral","sentiment_score":0.16286756098270416,"channel":1,"num_words":1,"start":691.945,"end":692.445},{"sentences":[{"text":"it 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last time, I worked there.","start":694.0399,"end":696.81,"sentiment":"neutral","sentiment_score":-0.1458784006536007},{"text":"It was about 283,000, which I agreed","start":696.81,"end":700.64996,"sentiment":"neutral","sentiment_score":0.04797982105187008}],"sentiment":"neutral","sentiment_score":-0.04149320435065489,"channel":1,"num_words":13,"start":694.0399,"end":700.64996},{"sentences":[{"text":"Yep.","start":700.49,"end":700.99,"sentiment":"neutral","sentiment_score":0.023417513817548752}],"sentiment":"neutral","sentiment_score":0.023417513817548752,"channel":0,"num_words":1,"start":700.49,"end":700.99},{"sentences":[{"text":"to to to the SMS 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know.","start":710.875,"end":716.335,"sentiment":"neutral","sentiment_score":-0.1139700342901051}],"sentiment":"neutral","sentiment_score":-0.07086542807519436,"channel":1,"num_words":17,"start":706.395,"end":716.335},{"sentences":[{"text":"yeah.","start":718.055,"end":718.555,"sentiment":"neutral","sentiment_score":0.007218636572360992},{"text":"Yeah.","start":719.335,"end":719.835,"sentiment":"neutral","sentiment_score":0.031492434442043304},{"text":"Hub Hub would need sort of $15 like, you would need to leave $15 in the account with Hub 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open.","start":729.23004,"end":730.37,"sentiment":"neutral","sentiment_score":0.0849234938621521}],"sentiment":"neutral","sentiment_score":0.0849234938621521,"channel":0,"num_words":5,"start":729.23004,"end":730.37},{"sentences":[{"text":"like, if you sell everything, how much money?","start":730.92,"end":732.68,"sentiment":"neutral","sentiment_score":0.025061979657039046},{"text":"Who do I have in my account?","start":732.68,"end":733.96,"sentiment":"neutral","sentiment_score":-0.009459912776947021},{"text":"But that that's the question and answer.","start":733.96,"end":736.745,"sentiment":"neutral","sentiment_score":0.010902176810694593},{"text":"You might be able to help me now, would you?","start":736.745,"end":738.60504,"sentiment":"neutral","sentiment_score":0.153787063062191}],"sentiment":"neutral","sentiment_score":0.05463944737857673,"channel":1,"num_words":32,"start":730.92,"end":738.60504},{"sentences":[{"text":"No.","start":738.755,"end":738.995,"sentiment":"neutral","sentiment_score":-0.11255080997943878},{"text":"I can.","start":738.995,"end":739.65497,"sentiment":"neutral","sentiment_score":-0.07623160071671009},{"text":"Give me two seconds while I go quiet, and I confirm what capital gains you have to pay.","start":742.115,"end":747.65497,"sentiment":"neutral","sentiment_score":0.007896856508321233},{"text":"But, yes, I can tell you how much you would today if I sold everything today.","start":748.72003,"end":755.30005,"sentiment":"neutral","sentiment_score":0.12726129358634353},{"text":"Here it is.","start":760.72003,"end":761.715,"sentiment":"neutral","sentiment_score":0.1638541022936503}],"sentiment":"neutral","sentiment_score":0.06012181024998427,"channel":0,"num_words":40,"start":738.755,"end":761.715},{"sentences":[{"text":"Okay.","start":774.83997,"end":775.24,"sentiment":"neutral","sentiment_score":0.09690473973751068},{"text":"So capital gains tax, you will pay 5,100 and $100.40.","start":775.24,"end":781.81995,"sentiment":"neutral","sentiment_score":0.07805347591638565}],"sentiment":"neutral","sentiment_score":0.07976722717285156,"channel":0,"num_words":11,"start":774.83997,"end":781.81995},{"sentences":[{"text":"On on one product.","start":787.95,"end":789.07,"sentiment":"neutral","sentiment_score":0.033150545321404934},{"text":"Is that","start":789.07,"end":789.73,"sentiment":"neutral","sentiment_score":0.026969026774168015}],"sentiment":"neutral","sentiment_score":0.031090039138992626,"channel":1,"num_words":6,"start":787.95,"end":789.73},{"sentences":[{"text":"So that's on so the gross so the gain that your account has had, discounts that apply.","start":790.295,"end":798.615,"sentiment":"neutral","sentiment_score":0.12427222290459801},{"text":"So the account gets discounts if you've held the assets for an an extended period of time, which then calculates what the net net capital gain is.","start":798.615,"end":806.72003,"sentiment":"neutral","sentiment_score":0.15820925682783127},{"text":"So your net capital gain for the account's $34,000 after gross gain, which is 53, and then the discounts apply.","start":807.02,"end":814.8,"sentiment":"neutral","sentiment_score":0.1311846449971199},{"text":"The net gain's 34015% tax on that, which is $5.","start":815.10004,"end":823.315,"sentiment":"neutral","sentiment_score":0.10772978439927101}],"sentiment":"neutral","sentiment_score":0.1362874117251989,"channel":0,"num_words":74,"start":790.295,"end":823.315},{"sentences":[{"text":"Yeah.","start":826.59503,"end":826.755,"sentiment":"neutral","sentiment_score":0.017040446400642395},{"text":"But how much would that with everything?","start":826.755,"end":828.935,"sentiment":"neutral","sentiment_score":-0.014530247343438012}],"sentiment":"neutral","sentiment_score":-0.010583910625427961,"channel":1,"num_words":8,"start":826.59503,"end":828.935},{"sentences":[{"text":"Oh, right.","start":830.20996,"end":831.08997,"sentiment":"neutral","sentiment_score":-0.07482242584228516},{"text":"Apologies.","start":831.08997,"end":831.58997,"sentiment":"neutral","sentiment_score":-0.22732698917388916},{"text":"Right.","start":831.97,"end":832.29,"sentiment":"neutral","sentiment_score":-0.06586165726184845},{"text":"What you're you're asking 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roughly that balance.","start":850.26495,"end":855.14496,"sentiment":"neutral","sentiment_score":0.05823572650551796},{"text":"That's if it'll trigger today.","start":855.14496,"end":856.665,"sentiment":"neutral","sentiment_score":0.10028004795312881},{"text":"Like, tomorrow, know, capital gain could be more, whatever the case may be, but that's estimate based on today.","start":856.665,"end":862.23,"sentiment":"neutral","sentiment_score":0.026490497157761927}],"sentiment":"neutral","sentiment_score":0.04751348392003112,"channel":0,"num_words":36,"start":849.625,"end":862.23},{"sentences":[{"text":"Realistically speaking, if you don't have the SMSF set up yet because you have ETFs, it doesn't take long just to sell the ETFs.","start":875.73505,"end":882.79504,"sentiment":"neutral","sentiment_score":0.04766176509050032},{"text":"It's a matter of get your accounting side set up, confirm once the bank account's been because it's you have to set up the 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worth.","start":938.19995,"end":940.3,"sentiment":"neutral","sentiment_score":0.239377104810306},{"text":"And","start":941.63995,"end":941.88,"sentiment":"neutral","sentiment_score":0.15659727156162262}],"sentiment":"neutral","sentiment_score":0.1790530985364547,"channel":0,"num_words":13,"start":931.83496,"end":941.88},{"sentences":[{"text":"Yep.","start":941.85504,"end":942.21,"sentiment":"neutral","sentiment_score":0.18858852982521057}],"sentiment":"neutral","sentiment_score":0.18858852982521057,"channel":1,"num_words":1,"start":941.85504,"end":942.21},{"sentences":[{"text":"then you've got $5 worth of GAAP gains to to pay if you sell out prior to, like, retiring, prior to, you know we didn't consider you selling out these assets.","start":941.88,"end":956.605,"sentiment":"neutral","sentiment_score":0.1287044064412194},{"text":"And I know that we we did an investment swap on your account not too long ago, which means that you haven't held a lot of those assets for a long period of 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you sell up all the trades,","start":990.675,"end":996.135,"sentiment":"neutral","sentiment_score":-0.2549654715694487}],"sentiment":"neutral","sentiment_score":-0.16935355097055435,"channel":1,"num_words":25,"start":985.68,"end":996.135},{"sentences":[{"text":"Yep.","start":996.845,"end":997.17,"sentiment":"neutral","sentiment_score":-0.06829683482646942}],"sentiment":"neutral","sentiment_score":-0.06829683482646942,"channel":0,"num_words":1,"start":996.845,"end":997.17},{"sentences":[{"text":"is that price gonna go up 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cash.","start":1007.01,"end":1009.725,"sentiment":"neutral","sentiment_score":-0.02513421947757403},{"text":"You'll if you leave the money in the account for a month or so, you'll get paid interest on the cash that's been sitting in the account.","start":1009.805,"end":1018.94495,"sentiment":"neutral","sentiment_score":0.02595546358713397},{"text":"It works like an old bank account at that point, but that's it.","start":1019.88495,"end":1023.68,"sentiment":"neutral","sentiment_score":0.011040092947391363},{"text":"Like, the, like, the Australian dollar value doesn't affect, like, the cash.","start":1023.98,"end":1029.82,"sentiment":"neutral","sentiment_score":0.01662464129428069}],"sentiment":"neutral","sentiment_score":-0.002191483471039179,"channel":0,"num_words":74,"start":1001.08997,"end":1029.82},{"sentences":[{"text":"It's just you'll get paid interest on the money sitting in the account, but that's the extent of it.","start":1029.82,"end":1035.965,"sentiment":"neutral","sentiment_score":0.06293699772734392},{"text":"It's not gonna go up or down because you don't own any shares that are going up or down.","start":1037.0651,"end":1040.745,"sentiment":"neutral","sentiment_score":-0.32186828867385264},{"text":"You have cash in a bank account, essentially.","start":1040.745,"end":1043.645,"sentiment":"neutral","sentiment_score":-0.09898707922548056}],"sentiment":"neutral","sentiment_score":-0.12416502525625021,"channel":0,"num_words":46,"start":1029.82,"end":1043.645},{"sentences":[{"text":"Yep.","start":1045.125,"end":1045.625,"sentiment":"neutral","sentiment_score":0.3166188597679138}],"sentiment":"neutral","sentiment_score":0.3166188597679138,"channel":1,"num_words":1,"start":1045.125,"end":1045.625},{"sentences":[{"text":"If I keep the assets that you currently own and just hold them until you're ready to sell, the assets will be worth whatever the assets are worth on the day that I trigger it, and that is depending on when you ask me to complete a sell, depending on market increase, decrease, so to speak.","start":1047.385,"end":1066.885,"sentiment":"neutral","sentiment_score":0.2378212632611394},{"text":"Capital gains will be calculated as of the day that we sell through.","start":1067.505,"end":1071.525,"sentiment":"neutral","sentiment_score":0.1701740794456922},{"text":"But as of today, that's where the account stands.","start":1072.705,"end":1075.65,"sentiment":"neutral","sentiment_score":0.26856486664878},{"text":"So it it it is up to you which which direction you wanna go.","start":1081.65,"end":1084.79,"sentiment":"neutral","sentiment_score":0.3312604810510363},{"text":"I don't have to trigger anything on this side.","start":1084.93,"end":1087.5701,"sentiment":"neutral","sentiment_score":-0.17664943801032174}],"sentiment":"neutral","sentiment_score":0.2078726670086974,"channel":0,"num_words":101,"start":1047.385,"end":1087.5701},{"sentences":[{"text":"I can just do a straight up cancellation for the insurance,","start":1087.5701,"end":1089.91,"sentiment":"neutral","sentiment_score":-0.12070016292008487}],"sentiment":"neutral","sentiment_score":-0.12070016292008487,"channel":0,"num_words":11,"start":1087.5701,"end":1089.91},{"sentences":[{"text":"Yeah.","start":1090.615,"end":1091.115,"sentiment":"neutral","sentiment_score":0.13327813148498535}],"sentiment":"neutral","sentiment_score":0.13327813148498535,"channel":1,"num_words":1,"start":1090.615,"end":1091.115},{"sentences":[{"text":"and then we can you can circle so you can circle back on the sale of the assets that move to, you know, SMSF, what that looks like.","start":1091.635,"end":1102.8,"sentiment":"neutral","sentiment_score":0.1295134418510965},{"text":"I'm not saying","start":1103.6001,"end":1104.16,"sentiment":"neutral","sentiment_score":-0.1279764175415039}],"sentiment":"neutral","sentiment_score":0.10459506836149,"channel":0,"num_words":31,"start":1091.635,"end":1104.16},{"sentences":[{"text":"No.","start":1104.145,"end":1104.645,"sentiment":"neutral","sentiment_score":-0.30629903078079224}],"sentiment":"neutral","sentiment_score":-0.30629903078079224,"channel":1,"num_words":1,"start":1104.145,"end":1104.645},{"sentences":[{"text":"don't go.","start":1104.16,"end":1104.56,"sentiment":"negative","sentiment_score":-0.37253648042678833},{"text":"Like, you you've obviously invested time, energy, and effort into exploring this as an option.","start":1104.56,"end":1109.7001,"sentiment":"neutral","sentiment_score":-0.07640500615040462},{"text":"You know, I've cautioned you on, you know, volatility and and working the market in the way that the that the broker is obviously going to.","start":1110.3201,"end":1121.525,"sentiment":"neutral","sentiment_score":-0.17732798041274342},{"text":"There can be some heavy losses that do occur.","start":1121.8251,"end":1124.545,"sentiment":"negative","sentiment_score":-0.3918713198767768},{"text":"So, you know, as long as you're you're prepared to take that additional risk, that's that's absolutely fine.","start":1124.545,"end":1130.005,"sentiment":"neutral","sentiment_score":0.05119967170887523}],"sentiment":"neutral","sentiment_score":-0.13009890474246016,"channel":0,"num_words":70,"start":1104.16,"end":1130.005},{"sentences":[{"text":"It's just a matter of how you exactly wanna execute everything, which I can take instruction and do on your behalf.","start":1131.24,"end":1138.38,"sentiment":"neutral","sentiment_score":0.2151494657709485}],"sentiment":"neutral","sentiment_score":0.2151494657709485,"channel":0,"num_words":21,"start":1131.24,"end":1138.38},{"sentences":[{"text":"Yep.","start":1139.355,"end":1139.855,"sentiment":"neutral","sentiment_score":0.21096870303153992}],"sentiment":"neutral","sentiment_score":0.21096870303153992,"channel":1,"num_words":1,"start":1139.355,"end":1139.855},{"sentences":[{"text":"You don't have to have an answer for me tonight.","start":1143.88,"end":1145.715,"sentiment":"neutral","sentiment_score":-0.030461454391479494}],"sentiment":"neutral","sentiment_score":-0.030461454391479494,"channel":0,"num_words":10,"start":1143.88,"end":1145.715},{"sentences":[{"text":"Yeah.","start":1147.48,"end":1147.98,"sentiment":"neutral","sentiment_score":0.09384731948375702},{"text":"Yeah.","start":1151.24,"end":1151.48,"sentiment":"neutral","sentiment_score":0.10981182754039764},{"text":"We just submit an email and if you can.","start":1151.48,"end":1154.7799,"sentiment":"neutral","sentiment_score":0.09990809030003017},{"text":"And","start":1155.32,"end":1155.82,"sentiment":"neutral","sentiment_score":0.06238593906164169}],"sentiment":"neutral","sentiment_score":0.09710149156550567,"channel":1,"num_words":12,"start":1147.48,"end":1155.82},{"sentences":[{"text":"Yeah.","start":1155.395,"end":1155.895,"sentiment":"neutral","sentiment_score":0.04164867103099823}],"sentiment":"neutral","sentiment_score":0.04164867103099823,"channel":0,"num_words":1,"start":1155.395,"end":1155.895},{"sentences":[{"text":"because the seller's ringing me again tonight","start":1156.44,"end":1159.34,"sentiment":"neutral","sentiment_score":-0.029028979263135364}],"sentiment":"neutral","sentiment_score":-0.029028979263135364,"channel":1,"num_words":7,"start":1156.44,"end":1159.34},{"sentences":[{"text":"Yep.","start":1160.37,"end":1160.87,"sentiment":"neutral","sentiment_score":0.046012334525585175}],"sentiment":"neutral","sentiment_score":0.046012334525585175,"channel":0,"num_words":1,"start":1160.37,"end":1160.87},{"sentences":[{"text":"with more information.","start":1161.365,"end":1162.745,"sentiment":"neutral","sentiment_score":0.02253690113623937},{"text":"Yeah.","start":1164.725,"end":1165.225,"sentiment":"neutral","sentiment_score":0.09451206773519516}],"sentiment":"neutral","sentiment_score":0.04053069278597832,"channel":1,"num_words":4,"start":1161.365,"end":1165.225},{"sentences":[{"text":"Yeah.","start":1166.21,"end":1166.71,"sentiment":"neutral","sentiment_score":0.0930846780538559}],"sentiment":"neutral","sentiment_score":0.0930846780538559,"channel":0,"num_words":1,"start":1166.21,"end":1166.71},{"sentences":[{"text":"Just the head head stuff ring.","start":1166.565,"end":1168.825,"sentiment":"neutral","sentiment_score":0.03190798995395502}],"sentiment":"neutral","sentiment_score":0.03190798995395502,"channel":1,"num_words":6,"start":1166.565,"end":1168.825},{"sentences":[{"text":"Yeah.","start":1169.4099,"end":1169.73,"sentiment":"neutral","sentiment_score":0.1898874044418335},{"text":"That's fine.","start":1169.73,"end":1170.2899,"sentiment":"neutral","sentiment_score":0.312240332365036},{"text":"I'll I'll send you an email as soon as we get off the phone so that way you can have a chat to him.","start":1170.2899,"end":1175.595,"sentiment":"neutral","sentiment_score":0.1817865764411787},{"text":"I'll literally I will literally screenshot from your account where your account sits right now, what the estimated capital gains calculation's gonna be, where where that, you know, balance is, all that kind of stuff.","start":1175.595,"end":1189.84,"sentiment":"neutral","sentiment_score":0.056717382477862496},{"text":"I'll I'll send that through to you.","start":1189.84,"end":1191.3,"sentiment":"neutral","sentiment_score":0.12560051892484939}],"sentiment":"neutral","sentiment_score":0.11654431772404823,"channel":0,"num_words":69,"start":1169.4099,"end":1191.3},{"sentences":[{"text":"But will I be able to claim I won't be able to claim that Capital Grain tax when we tax a lot.","start":1192.8551,"end":1197.675,"sentiment":"neutral","sentiment_score":0.066074956885793}],"sentiment":"neutral","sentiment_score":0.066074956885793,"channel":1,"num_words":22,"start":1192.8551,"end":1197.675},{"sentences":[{"text":"No.","start":1198.32,"end":1198.56,"sentiment":"neutral","sentiment_score":-0.05043691396713257},{"text":"Your super fund already does that for you.","start":1198.56,"end":1200.82,"sentiment":"neutral","sentiment_score":0.16599919460713863},{"text":"It pays the lowest possible tax rate applicable.","start":1201.785,"end":1205.005,"sentiment":"neutral","sentiment_score":0.10523422341793776},{"text":"It pays much lower than your tax rate.","start":1205.0651,"end":1207.7251,"sentiment":"neutral","sentiment_score":0.13743361830711365}],"sentiment":"neutral","sentiment_score":0.12875597506761552,"channel":0,"num_words":25,"start":1198.32,"end":1207.7251},{"sentences":[{"text":"Alrighty.","start":1209.0599,"end":1209.5599,"sentiment":"neutral","sentiment_score":0.20062172412872312}],"sentiment":"neutral","sentiment_score":0.20062172412872312,"channel":1,"num_words":1,"start":1209.0599,"end":1209.5599},{"sentences":[{"text":"Yeah.","start":1210.265,"end":1210.765,"sentiment":"neutral","sentiment_score":0.23892129957675937}],"sentiment":"neutral","sentiment_score":0.23892129957675937,"channel":0,"num_words":1,"start":1210.265,"end":1210.765},{"sentences":[{"text":"Alrighty.","start":1214.02,"end":1214.52,"sentiment":"neutral","sentiment_score":0.30208155512809753}],"sentiment":"neutral","sentiment_score":0.30208155512809753,"channel":1,"num_words":1,"start":1214.02,"end":1214.52},{"sentences":[{"text":"And even in even in your SMSF, the same thing's gonna apply, especially if you're buying and selling the way that a a day trader or a stock broker will.","start":1217.17,"end":1225.11,"sentiment":"neutral","sentiment_score":0.18737925887107848},{"text":"On the sells, you're gonna have capital gains within the fund, and the fund will pay them out as needed.","start":1226.21,"end":1234.095,"sentiment":"neutral","sentiment_score":0.18713797703385354}],"sentiment":"neutral","sentiment_score":0.1872827461361885,"channel":0,"num_words":50,"start":1217.17,"end":1234.095},{"sentences":[{"text":"Yep.","start":1235.16,"end":1235.66,"sentiment":"neutral","sentiment_score":0.11635558307170868},{"text":"Okey dokey.","start":1240.6001,"end":1241.5,"sentiment":"neutral","sentiment_score":0.1904468908905983}],"sentiment":"neutral","sentiment_score":0.16574978828430176,"channel":1,"num_words":3,"start":1235.16,"end":1241.5},{"sentences":[{"text":"Cool.","start":1242.315,"end":1242.5549,"sentiment":"positive","sentiment_score":0.35827651619911194},{"text":"Alright.","start":1242.5549,"end":1242.875,"sentiment":"neutral","sentiment_score":0.18601447343826297},{"text":"Well, I'll send you an email and just break things down.","start":1242.875,"end":1245.15,"sentiment":"neutral","sentiment_score":0.05538797988132997},{"text":"And when you have had a chance to have a chat to your broker, you can come back to me and I will apply the instruction.","start":1247.87,"end":1256.43,"sentiment":"neutral","sentiment_score":0.015260412715948544},{"text":"But tomorrow, I will send you a execution document to cancel the insurance.","start":1256.43,"end":1260.77,"sentiment":"neutral","sentiment_score":-0.16188398891916642}],"sentiment":"neutral","sentiment_score":-0.010656968403894167,"channel":0,"num_words":52,"start":1242.315,"end":1260.77},{"sentences":[{"text":"Yeah.","start":1261.3201,"end":1261.8201,"sentiment":"neutral","sentiment_score":0.0008366554975509644}],"sentiment":"neutral","sentiment_score":0.0008366554975509644,"channel":1,"num_words":1,"start":1261.3201,"end":1261.8201},{"sentences":[{"text":"So I will make sure that that's done.","start":1261.365,"end":1263.305,"sentiment":"neutral","sentiment_score":-0.0038723782636225224}],"sentiment":"neutral","sentiment_score":-0.0038723782636225224,"channel":0,"num_words":8,"start":1261.365,"end":1263.305},{"sentences":[{"text":"Yeah.","start":1263.8,"end":1264.2001,"sentiment":"neutral","sentiment_score":0.02898344583809376},{"text":"Definitely, that makes that R34 just insurance.","start":1264.2001,"end":1266.8601,"sentiment":"neutral","sentiment_score":0.03813984963510718},{"text":"It's","start":1267.7201,"end":1267.8,"sentiment":"neutral","sentiment_score":0.009787953458726406}],"sentiment":"neutral","sentiment_score":0.03397226074917449,"channel":1,"num_words":9,"start":1263.8,"end":1267.8},{"sentences":[{"text":"Yeah.","start":1267.765,"end":1268.265,"sentiment":"neutral","sentiment_score":-0.00892581231892109}],"sentiment":"neutral","sentiment_score":-0.00892581231892109,"channel":0,"num_words":1,"start":1267.765,"end":1268.265},{"sentences":[{"text":"just but I when I seen the price the other day because when I first seen it, I was only paying a thousand dollars.","start":1267.8,"end":1273.295,"sentiment":"neutral","sentiment_score":-0.11448888899758458},{"text":"But now it's all the time going up $33.","start":1273.355,"end":1275.855,"sentiment":"neutral","sentiment_score":-0.13452270378669104}],"sentiment":"neutral","sentiment_score":-0.11995265666734088,"channel":1,"num_words":33,"start":1267.8,"end":1275.855},{"sentences":[{"text":"Yeah.","start":1277.4199,"end":1277.74,"sentiment":"neutral","sentiment_score":-0.025844182819128036},{"text":"Because I I had a look at the policy.","start":1277.74,"end":1279.4199,"sentiment":"neutral","sentiment_score":-0.06295748137765461},{"text":"You've had the policy since before you were a client with Oakview.","start":1279.4199,"end":1282.2999,"sentiment":"neutral","sentiment_score":-0.00569321122020483},{"text":"It's it's it's been a long term policy for you.","start":1282.2999,"end":1285.0399,"sentiment":"neutral","sentiment_score":0.0666563406586647}],"sentiment":"neutral","sentiment_score":0.00018072989769279957,"channel":0,"num_words":32,"start":1277.4199,"end":1285.0399},{"sentences":[{"text":"And","start":1286.82,"end":1287.14,"sentiment":"neutral","sentiment_score":0.005109325051307678}],"sentiment":"neutral","sentiment_score":0.005109325051307678,"channel":1,"num_words":1,"start":1286.82,"end":1287.14},{"sentences":[{"text":"So","start":1287.1,"end":1287.4199,"sentiment":"neutral","sentiment_score":0.001990795135498047}],"sentiment":"neutral","sentiment_score":0.001990795135498047,"channel":0,"num_words":1,"start":1287.1,"end":1287.4199},{"sentences":[{"text":"just","start":1287.14,"end":1287.46,"sentiment":"neutral","sentiment_score":-0.014671318233013151}],"sentiment":"neutral","sentiment_score":-0.014671318233013151,"channel":1,"num_words":1,"start":1287.14,"end":1287.46},{"sentences":[{"text":"it's","start":1287.4199,"end":1287.645,"sentiment":"neutral","sentiment_score":-0.02010004222393036}],"sentiment":"neutral","sentiment_score":-0.02010004222393036,"channel":0,"num_words":1,"start":1287.4199,"end":1287.645},{"sentences":[{"text":"just for the the product up that much.","start":1287.46,"end":1289.48,"sentiment":"neutral","sentiment_score":0.02019378822296858},{"text":"I've seen it the other day.","start":1289.62,"end":1290.6599,"sentiment":"neutral","sentiment_score":-0.20799092203378677},{"text":"I couldn't believe why they put me glasses on.","start":1290.6599,"end":1292.5,"sentiment":"negative","sentiment_score":-0.5066680080360837},{"text":"Is this bloody rough?","start":1292.5,"end":1293.7799,"sentiment":"negative","sentiment_score":-0.5257826820015907},{"text":"And I said, no way I'm gonna keep this going.","start":1293.7799,"end":1296.52,"sentiment":"negative","sentiment_score":-0.43625135719776154}],"sentiment":"neutral","sentiment_score":-0.32735274591155955,"channel":1,"num_words":37,"start":1287.46,"end":1296.52},{"sentences":[{"text":"yes.","start":1297.005,"end":1297.505,"sentiment":"neutral","sentiment_score":-0.11571821570396423},{"text":"No.","start":1297.725,"end":1298.045,"sentiment":"negative","sentiment_score":-0.3857361078262329},{"text":"Absolutely fair.","start":1298.045,"end":1299.245,"sentiment":"neutral","sentiment_score":-0.14081481099128723},{"text":"Alright.","start":1299.245,"end":1299.5651,"sentiment":"neutral","sentiment_score":-0.07274241745471954},{"text":"Cool.","start":1299.5651,"end":1300.045,"sentiment":"neutral","sentiment_score":0.11023730039596558}],"sentiment":"neutral","sentiment_score":-0.12426484376192093,"channel":0,"num_words":6,"start":1297.005,"end":1300.045},{"sentences":[{"text":"Well, I'll cancel the insurance policy.","start":1300.045,"end":1301.885,"sentiment":"negative","sentiment_score":-0.33802198121945065},{"text":"I'll get that document out for you tomorrow, and I'll send you an email so you can have a chat to your broker and come back to me with instructions.","start":1301.885,"end":1307.88,"sentiment":"neutral","sentiment_score":0.33212826947371166}],"sentiment":"neutral","sentiment_score":0.22043656102485126,"channel":0,"num_words":36,"start":1300.045,"end":1307.88},{"sentences":[{"text":"Yep.","start":1308.995,"end":1309.495,"sentiment":"neutral","sentiment_score":0.2856779992580414}],"sentiment":"neutral","sentiment_score":0.2856779992580414,"channel":1,"num_words":1,"start":1308.995,"end":1309.495},{"sentences":[{"text":"Cool.","start":1310.18,"end":1310.58,"sentiment":"positive","sentiment_score":0.4961431622505188},{"text":"If you have","start":1310.58,"end":1311.06,"sentiment":"neutral","sentiment_score":0.1529556711514791}],"sentiment":"neutral","sentiment_score":0.238752543926239,"channel":0,"num_words":4,"start":1310.18,"end":1311.06},{"sentences":[{"text":"Okay.","start":1310.91,"end":1311.41,"sentiment":"neutral","sentiment_score":0.130949005484581}],"sentiment":"neutral","sentiment_score":0.130949005484581,"channel":1,"num_words":1,"start":1310.91,"end":1311.41},{"sentences":[{"text":"any quest questions, just flick them through to me in an email.","start":1311.06,"end":1313.62,"sentiment":"neutral","sentiment_score":0.21486603965361914},{"text":"Alright?","start":1313.62,"end":1313.9188,"sentiment":"neutral","sentiment_score":0.124126099050045}],"sentiment":"neutral","sentiment_score":0.20788604422257498,"channel":0,"num_words":13,"start":1311.06,"end":1313.9188},{"sentences":[{"text":"Yep.","start":1314.43,"end":1314.8301,"sentiment":"neutral","sentiment_score":0.1459774523973465},{"text":"Okay.","start":1314.8301,"end":1315.15,"sentiment":"neutral","sentiment_score":0.27078932523727417},{"text":"Thanks, Tom.","start":1315.15,"end":1315.9701,"sentiment":"positive","sentiment_score":0.6934882402420044}],"sentiment":"positive","sentiment_score":0.45093581452965736,"channel":1,"num_words":4,"start":1314.43,"end":1315.9701},{"sentences":[{"text":"No.","start":1316.3988,"end":1316.5588,"sentiment":"neutral","sentiment_score":0.2566380202770233},{"text":"No stress at all, Al.","start":1316.5588,"end":1317.5188,"sentiment":"neutral","sentiment_score":0.2580214649438858},{"text":"You have a good one.","start":1317.5188,"end":1318.5789,"sentiment":"positive","sentiment_score":0.6897793650627136}],"sentiment":"positive","sentiment_score":0.45414928821000183,"channel":0,"num_words":11,"start":1316.3988,"end":1318.5789},{"sentences":[{"text":"Okay.","start":1318.8301,"end":1319.2301,"sentiment":"positive","sentiment_score":0.5054891705513},{"text":"Thank you.","start":1319.2301,"end":1319.89,"sentiment":"positive","sentiment_score":0.7503530085086823}],"sentiment":"positive","sentiment_score":0.6687317291895548,"channel":1,"num_words":3,"start":1318.8301,"end":1319.89},{"sentences":[{"text":"Alright.","start":1320.0789,"end":1320.5588,"sentiment":"positive","sentiment_score":0.3806041181087494},{"text":"Bye.","start":1320.5588,"end":1321.0588,"sentiment":"positive","sentiment_score":0.34714704751968384}],"sentiment":"positive","sentiment_score":0.3638755828142166,"channel":0,"num_words":2,"start":1320.0789,"end":1321.0588},{"sentences":[{"text":"Bye.","start":1321.7101,"end":1322.2101,"sentiment":"neutral","sentiment_score":-0.12337759882211684}],"sentiment":"neutral","sentiment_score":-0.12337759882211684,"channel":1,"num_words":1,"start":1321.7101,"end":1322.2101}]},"summary":{"result":"success","short":"Representatives from Oaktree Financial speak with customers about canceling their towel policy and investing in stock trading. The process is taking a week to complete, but setting up an account and liquidating assets is not difficult. The customer is cautioned about volatility and potential loss of capital gains, and will receive a discount on their account if they hold assets for an extended period of time. The agents explain the process for canceling insurance policies and selling all assets, and provide instructions for sending execution documents and cancelling insurance if needed."},"intents":{"segments":[{"text":"I Are you wanting to look at alternatives in terms of cover, or do you straight up just wanna cancel that.","start_word":213,"end_word":233,"intents":[{"intent":"Discuss options","confidence_score":0.0405259},{"intent":"Discuss policy options","confidence_score":0.006670633}]},{"text":"And the other thing that I want to call was the cash in all of me SS because I'm gonna start up a SMS in fund. An SMSF? Yeah.","start_word":234,"end_word":262,"intents":[{"intent":"Request cash in","confidence_score":0.00026795873},{"intent":"Discuss ssf","confidence_score":0.08188474}]},{"text":"Like, ultimately, with an SMSF, you would have to set up a bank account that's owned by the trust.","start_word":316,"end_word":334,"intents":[{"intent":"Set up bank account","confidence_score":0.38416624}]},{"text":"You become the trustee for that, and you have to, I guess, respect the rules and regulations for the super fund. And then from there, you can set up accounts that are owned by the the SMSF, by the trust that you then invest on.","start_word":336,"end_word":380,"intents":[{"intent":"Set up and invest","confidence_score":0.000117380136},{"intent":"Set up ssf","confidence_score":0.11123036}]},{"text":"And then from there, you can set up accounts that are owned by the the SMSF, by the trust that you then invest on.","start_word":356,"end_word":379,"intents":[{"intent":"Get ssf set up","confidence_score":0.0029392142},{"intent":"Get ssf set up","confidence_score":0.048690893},{"intent":"Get ssf set up","confidence_score":0.22379929}]},{"text":"Because you could set up like, Hub twenty four does have the facilities to enable you to trade like you're like, exactly like you're saying, but under an SMSF ownership. Yeah.","start_word":403,"end_word":433,"intents":[{"intent":"Trade funds","confidence_score":0.1659034}]},{"text":"Well, we've been talking to a mob called William, and they've they've already got me started. They put credit on to me. Yeah. And so I I can get the SMS one set up. Yeah.","start_word":434,"end_word":468,"intents":[{"intent":"Start ssf","confidence_score":0.000099706616},{"intent":"Start ssf set up","confidence_score":0.000020039764}]},{"text":"At this stage, stock trading. That's what all my working on now. Like, in a week, like, I might I might have been doing a week or he's been doing it for a week for me, and I've already made $60 on on profit already.","start_word":520,"end_word":564,"intents":[{"intent":"Make profit","confidence_score":0.23237641}]},{"text":"I I I I I I understand it, but I'd rather have $2,500,000 when I retire than, like, 700,000 units.","start_word":648,"end_word":667,"intents":[{"intent":"Understand retirement plan","confidence_score":0.04680306}]},{"text":"With an SMSF, the request has to come from the SMSF because what happens is it'll be sent through SuperStream.","start_word":1210,"end_word":1229,"intents":[{"intent":"Process ssf request","confidence_score":0.0027351202}]},{"text":"Are you wanting to, you know, just risk the majority of the money that you have that you're you're wanting to to put on and day trade or stock trade? And then just because your employer doesn't wanna pay into an SMSF fund because, realistically, if you've got a stock trader doing everything for you, then the money that they receive in cash into your SMSF fund, they'll just incorporate that into their buys.","start_word":1567,"end_word":1640,"intents":[{"intent":"Share savings decisions","confidence_score":0.000005990267}]},{"text":"It's That depends on on how much money you've been. Trade would use would not would not know. yeah.","start_word":1751,"end_word":1769,"intents":[{"intent":"Confirm amount","confidence_score":0.006228521}]},{"text":"Give me two seconds while I go quiet, and I confirm what capital gains you have to pay. But, yes, I can tell you how much you would today if I sold everything today. Here it is. Okay.","start_word":1834,"end_word":1871,"intents":[{"intent":"Provide information","confidence_score":0.0148563115}]},{"text":"So capital gains tax, you will pay 5,100 and $100.40. On on one product.","start_word":1872,"end_word":1885,"intents":[{"intent":"Determine tax","confidence_score":0.0005992568}]},{"text":"But how much would that with everything? Oh, right. Apologies. Right. What you're you're asking balance. $2,796.50.","start_word":1963,"end_word":1979,"intents":[{"intent":"Determine balance","confidence_score":0.118377104}]},{"text":"Realistically speaking, if you don't have the SMSF set up yet because you have ETFs, it doesn't take long just to sell the ETFs. It's a matter of get your accounting side set up, confirm once the bank account's been because it's you have to set up the trust.","start_word":2024,"end_word":2072,"intents":[{"intent":"Set up trust","confidence_score":0.083861396},{"intent":"Set up trust","confidence_score":0.5704445}]},{"text":"Realistically speaking, if you don't have the SMSF set up yet because you have ETFs, it doesn't take long just to sell the ETFs. It's a matter of get your accounting side set up, confirm once the bank account's been because it's you have to set up the trust. You have to set up everything up. You have to make sure that the ATO has the bank account listed correctly.","start_word":2024,"end_word":2093,"intents":[{"intent":"Confirm ssf setup","confidence_score":0.076928414}]},{"text":"Make sure that it's registered.","start_word":2095,"end_word":2099,"intents":[{"intent":"Ensure registration","confidence_score":0.05332475}]},{"text":"I give authority for you to sell liquidate all assets, and I'll liquidate the assets then. Yeah.","start_word":2125,"end_word":2141,"intents":[{"intent":"Liquidate assets","confidence_score":0.1959444}]},{"text":"That way, I just I hold off on liquidating them until you're ready.","start_word":2142,"end_word":2154,"intents":[{"intent":"Hold off","confidence_score":0.13431858}]},{"text":"But So portfolio value is $285,715.90. That's what your entire portfolio is worth. And Yep.","start_word":2179,"end_word":2193,"intents":[{"intent":"Calculate portfolio value","confidence_score":0.21210939},{"intent":"Calculate portfolio value","confidence_score":0.0017962271}]},{"text":"Because you get a discount based on the length of time that you've held the assets. If you hold an asset for over twelve months, you get a discount to any capital gains that apply upon the sale of that asset. Yeah.","start_word":2269,"end_word":2310,"intents":[{"intent":"Clarify discount percentage","confidence_score":0.00009767357}]},{"text":"Cash will be cash is cash.","start_word":2365,"end_word":2370,"intents":[{"intent":"Dispute cash usage","confidence_score":0.000027184984},{"intent":"Clarify cash usage","confidence_score":0.04967736}]},{"text":"Cash will be cash is cash. You'll if you leave the money in the account for a month or so, you'll get paid interest on the cash that's been sitting in the account.","start_word":2365,"end_word":2397,"intents":[{"intent":"Explain cash usage","confidence_score":0.19599715}]},{"text":"It's just a matter of how you exactly wanna execute everything, which I can take instruction and do on your behalf. Yep.","start_word":2685,"end_word":2706,"intents":[{"intent":"Create strategy","confidence_score":0.0018950383}]},{"text":"So I will make sure that that's done. Yeah.","start_word":2974,"end_word":2982,"intents":[{"intent":"Confirm insurance cancellation","confidence_score":0.0025320107}]}]},"sentiments":{"segments":[{"text":"Hello? Hi, Lyle. Larissa, Oaktree Financial. How are you going?","start_word":0,"end_word":9,"sentiment":"neutral","sentiment_score":0.17806056141853333},{"text":"That's good.","start_word":10,"end_word":11,"sentiment":"positive","sentiment_score":0.704354465007782},{"text":"I, I just thought I'd try my luck a little early. I had you in my calendar for 06:00, and I thought I'd give you a a call a couple minutes early to see if you had time to chat now. Yeah. Well, I'm driving. I'm sorry.","start_word":12,"end_word":58,"sentiment":"neutral","sentiment_score":0.12385471910238266},{"text":"It's all good. Perfect.","start_word":59,"end_word":62,"sentiment":"positive","sentiment_score":0.4076230525970459},{"text":"Well, before I jump into it, I do need to let you know that our calls are recorded. And if I could just get you some terms of security, just full name, date of birth, and address. Hello? That's the coffee stick, though. Perfect. Alright. So I have a a a note on file that you left with Jack that you were wanting to cancel your towel policy before renewal in November because the the the premiums are sorta getting a bit steep. Well, medical, right, for insurance. It is it is safe. Very steep. Very, very much so.","start_word":63,"end_word":161,"sentiment":"neutral","sentiment_score":-0.03649168089032173},{"text":"Perfect.","start_word":162,"end_word":162,"sentiment":"positive","sentiment_score":0.3360360264778137},{"text":"Because I I know like, I I read through your file and had a look at everything. I can I can see that, you know, the the policy has been around for a long time, and there have been conversations about possibly canceling it, reducing it, so forth like that? I Are you wanting to look at alternatives in terms of cover, or do you straight up just wanna cancel that. And the other thing that I want to call was the cash in all of me SS because I'm gonna start up a SMS in fund. An SMSF? Yeah. Yeah. Hi. And what's the intention, I guess, with the SMSF? Oh, well, I'm not looking to get into shade, isn't it? Okay. Because because with an SMSF, there are, I guess, a few options available with respect to, like, how you trade, where you trade, what you do with the account. Yep. Like, ultimately, with an SMSF, you would have to set up a bank account that's owned by the trust. You become the trustee for that, and you have to, I guess, respect the rules and regulations for the super fund. And then from there, you can set up accounts that are owned by the the SMSF, by the trust that you then invest on. So you you have different platforms that you could then invest on. Have you looked into, I guess, where you're wanting to invest? Because you could set up like, Hub twenty four does have the facilities to enable you to trade like you're like, exactly like you're saying, but under an SMSF ownership. Yeah. Well, we've been talking to a mob called William, and they've they've already got me started.","start_word":163,"end_word":449,"sentiment":"neutral","sentiment_score":0.07570338083061191},{"text":"They put credit on to me.","start_word":450,"end_word":455,"sentiment":"positive","sentiment_score":0.4397170841693878},{"text":"Yeah. And so I I can get the SMS one set up. Yeah. And then and then from there, you'd you transition all the funds over and Yeah. yep. Alright. And I guess what's the what's the intent with the, like, the SMSF? You're just gonna sort of day trade it, or you just wanna get a little bit more into, like, stock trading? At this stage, stock trading. That's what all my working on now. Like, in a week, like, I might I might have been doing a week or he's been doing it for a week for me, and I've already made $60 on on profit already. So once everything goes through, his goal is to try to get me $2,500,000 before I retire. And when Okay. I was speak I was speaking to the other girl. She told me last time by the time I retire, I should be up around about 720,000, which is, like the three and a half times more of what you guys can get. Just what you're doing now. Yeah. Very, like, very very different investment approaches, like stock Yeah. trading. Yeah. Yeah. Yeah. I I I I I I understand it, but I'd rather have $2,500,000 when I retire than, like, 700,000 units. You know where I'm coming from? Yep. Yeah. Absolutely. Sorry. What was the name of the the group? Just It's Bill Billian Billian, I think it is. Billian, l a n. hi.","start_word":456,"end_word":699,"sentiment":"neutral","sentiment_score":0.12572696316437643},{"text":"Cool.","start_word":700,"end_word":700,"sentiment":"positive","sentiment_score":0.4322936832904816},{"text":"So, obviously, like, they've explained the risks of stock trading. Nothing's guaranteed. Yeah. The 2.5 mil is still not guaranteed, but you're willing to take the risk by the sounds of it. Oh, so I've gotta gotta get that because it's they gave me that pension when I retired. And Look. that's Patent. all I've gotta have enough money to live from 67 to to the day I die plus and try to help have enough money from the kids to be. But once I go on, like, funerals, since prices are going up ridiculously, that's why I'm I'm looking in trying to get more money. So Yeah. Okay. Alright. So what I can do is I can issue you it'll be tomorrow morning just because of the time of night that it is. But tomorrow morning, I can issue you what's called a execution only document where you Yep. have provided me with an instruction. Instruction one was to cancel the entirety of your towel policy, meaning that you will no longer have a benefit under that policy. That policy will completely cease. Yep. And then instruction two is to sell and liquidate all of your assets under your hub account. Can I Yeah. confirm Both. that you do want me to liquidate the the assets now ahead of you having the account set up, or do you wanna wait until you have the account set up? Depends on how long it's gonna take. Because To set up the account or liquidate the assets? but, yes, it's So liquidating the assets, majority of the assets will liquidate within probably about three to five days. Managed funds for which you do have I remember correctly. I'm just having another quick look at it. No. Sorry. I lied. You your your account will actually pretty much liquidate within a week because you Alright. don't you don't have any managed funds. You have listed securities only, so ETFs. So they will liquidate quite quickly. Managed funds for which you don't have anything, they take two plus weeks. Yeah. But, no, your account will liquidate probably within five days. That when that happens, will that count go paid off? Because I was planning on just leave leave and that haven't whatever superannuation my employee pays and still go straight in back into that, which An employer can pay into an SMSF account, providing your employer is happy to do so. Not all employers will do so, but providing your employer is happy. What I mean is when you do the transition over to there, the mess what I've got in there now, Mhmm. will half twenty four still be open? Because No. It'll close. Yeah. So if you do a full account transition, so $285,000 will leave the account, go over to the SMSF account. We also can't trigger the rollover to your SMSF because it is a SMSF. We can we can move it to any other APRA fund. So I could send it to AustralianSuper. I could send it anywhere. With an SMSF, the request has to come from the SMSF because what happens is it'll be sent through SuperStream. SuperStream will basically send it to the ATO. The ATO will do a verification that the the that the SMSF is a valid fund, and then we'll send it through to Hub twenty four. Hub twenty four will only action once they receive that tick of confirmation that it is a legitimate and valid super fund. So it can't ever go from hub to an SMSF. The request has to come from the super fund. So once the team set up the account, they will have, like they'll they'll be using a back Yeah. end software of some form. So it'll be like CHEST or something like that for the actual SMSF to sit on legislatively. They can just trigger a request in full from the hub account over into the SMSF account. Yeah. Because I I was planning just whatever I got in there now. That's all I was gonna transfer, and I I wanted to keep pressing stuff.","start_word":701,"end_word":1389,"sentiment":"neutral","sentiment_score":-0.026774272983636927},{"text":"I'm like, well, you can just keep putting it back in the hut hut hut 24, and you just can work on whatever you've gotta do too.","start_word":1390,"end_word":1416,"sentiment":"positive","sentiment_score":0.3887583315372467},{"text":"I mean, the other option is is you could sort of maybe, like, move, say, 250, leave, you know, $30 or so or you you need to leave about 15 minimum in that account to keep the account open, and then your contributions can go in from there. So you could move majority of it and leave sort of that $15 and play it that way and have the dual accounts. But realistically speaking, it means that you're paying account keeping fees for the hub twenty four account, which means they have a flat administration fee, which means you're paying for that. And then your SMSF, you're paying for the financial audit. You'll be paying for whatever platform you're using, any buy and sell for the investments that you're buying and selling, everything else there. So it just it just depends on what your what your overall overall goal is. Are you wanting to, you know, just risk the majority of the money that you have that you're you're wanting to to put on and day trade or stock trade? And then just because your employer doesn't wanna pay into an SMSF fund because, realistically, if you've got a stock trader doing everything for you, then the money that they receive in cash into your SMSF fund, they'll just incorporate that into their buys. Alright. So it might be a conversation to have with them as to which avenue the account can support, what you're wanting to do with the account to make sure that you're aligned with it, or whether the conversation you've had with them is that, no. You wanna keep your hub 20 four open because your employer contributions are gonna go there, And you they're only getting this much money, and that's what they have to do to to grow. It Yeah. it definitely Because yeah. I've Sorry. lost last time, I worked there. It was about 283,000, which I agreed Yep. to to to the SMS plan. Yep. It's That depends on on how much money you've been. Trade would use would not would not know. yeah. Yeah. Hub Hub would need sort of $15 like, you would need to leave $15 in the account with Hub twenty How four if much you wanna keep it open. like, if you sell everything, how much money? Who do I have in my account? But that that's the question and answer. You might be able to help me now, would you? No. I can. Give me two seconds while I go quiet, and I confirm what capital gains you have to pay. But, yes, I can tell you how much you would today if I sold everything today. Here it is. Okay. So capital gains tax, you will pay 5,100 and $100.40. On on one product. Is that So that's on so the gross so the gain that your account has had, discounts that apply. So the account gets discounts if you've held the assets for an an extended period of time, which then calculates what the net net capital gain is. So your net capital gain for the account's $34,000 after gross gain, which is 53, and then the discounts apply. The net gain's 34015% tax on that, which is $5. Yeah. But how much would that with everything? Oh, right. Apologies. Right. What you're you're asking balance. $2,796.50. Is that it? Why don't you sell everything? Correct. Yeah. So what would leave the account is roughly that balance. That's if it'll trigger today. Like, tomorrow, know, capital gain could be more, whatever the case may be, but that's estimate based on today. Realistically speaking, if you don't have the SMSF set up yet because you have ETFs, it doesn't take long just to sell the ETFs. It's a matter of get your accounting side set up, confirm once the bank account's been because it's you have to set up the trust. You have to set up everything up. You have to make sure that the ATO has the bank account listed correctly. Make sure that it's registered. Once that's all done, just what I'll do is I'll send you an email, and you can email me back and say everything is set up. I give authority for you to sell liquidate all assets, and I'll liquidate the assets then. Yeah. That way, I just I hold off on liquidating them until you're ready. So the price on on the app is what money thing I the thing because every time you buy stuff, it it goes down. But So portfolio value is $285,715.90. That's what your entire portfolio is worth. And Yep. then you've got $5 worth of GAAP gains to to pay if you sell out prior to, like, retiring, prior to, you know we didn't consider you selling out these assets. And I know that we we did an investment swap on your account not too long ago, which means that you haven't held a lot of those assets for a long period of time, which is why the capital gains a little bit higher. Because you get a discount based on the length of time that you've held the assets. If you hold an asset for over twelve months, you get a discount to any capital gains that apply upon the sale of that asset. Yeah. But how much money I'll I'll just count. I I I'm not good at in different like, once you sell up all the trades, Yep. is that price gonna go up or So the and then if the I so if I liquidate all the assets, you will have cash sitting in your account. Cash will be cash is cash. You'll if you leave the money in the account for a month or so, you'll get paid interest on the cash that's been sitting in the account. It works like an old bank account at that point, but that's it. Like, the, like, the Australian dollar value doesn't affect, like, the cash. It's just you'll get paid interest on the money sitting in the account, but that's the extent of it. It's not gonna go up or down because you don't own any shares that are going up or down. You have cash in a bank account, essentially. Yep. If I keep the assets that you currently own and just hold them until you're ready to sell, the assets will be worth whatever the assets are worth on the day that I trigger it, and that is depending on when you ask me to complete a sell, depending on market increase, decrease, so to speak. Capital gains will be calculated as of the day that we sell through. But as of today, that's where the account stands. So it it it is up to you which which direction you wanna go. I don't have to trigger anything on this side. I can just do a straight up cancellation for the insurance, Yeah. and then we can you can circle so you can circle back on the sale of the assets that move to, you know, SMSF, what that looks like. I'm not saying No.","start_word":1417,"end_word":2614,"sentiment":"neutral","sentiment_score":0.09904148065810012},{"text":"don't go.","start_word":2615,"end_word":2616,"sentiment":"negative","sentiment_score":-0.3777242302894592},{"text":"Like, you you've obviously invested time, energy, and effort into exploring this as an option. You know, I've cautioned you on, you know, volatility and and working the market in the way that the that the broker is obviously going to.","start_word":2617,"end_word":2657,"sentiment":"neutral","sentiment_score":-0.12638594210147858},{"text":"There can be some heavy losses that do occur.","start_word":2658,"end_word":2666,"sentiment":"negative","sentiment_score":-0.4039016366004944},{"text":"So, you know, as long as you're you're prepared to take that additional risk, that's that's absolutely fine. It's just a matter of how you exactly wanna execute everything, which I can take instruction and do on your behalf. Yep. You don't have to have an answer for me tonight. Yeah. Yeah. We just submit an email and if you can. And Yeah. because the seller's ringing me again tonight Yep. with more information. Yeah. Yeah. Just the head head stuff ring. Yeah. That's fine. I'll I'll send you an email as soon as we get off the phone so that way you can have a chat to him. I'll literally I will literally screenshot from your account where your account sits right now, what the estimated capital gains calculation's gonna be, where where that, you know, balance is, all that kind of stuff. I'll I'll send that through to you. But will I be able to claim I won't be able to claim that Capital Grain tax when we tax a lot. No. Your super fund already does that for you. It pays the lowest possible tax rate applicable. It pays much lower than your tax rate. Alrighty. Yeah. Alrighty. And even in even in your SMSF, the same thing's gonna apply, especially if you're buying and selling the way that a a day trader or a stock broker will. On the sells, you're gonna have capital gains within the fund, and the fund will pay them out as needed. Yep. Okey dokey.","start_word":2667,"end_word":2920,"sentiment":"neutral","sentiment_score":0.12494615503535496},{"text":"Cool.","start_word":2921,"end_word":2921,"sentiment":"positive","sentiment_score":0.35827651619911194},{"text":"Alright. Well, I'll send you an email and just break things down. And when you have had a chance to have a chat to your broker, you can come back to me and I will apply the instruction. But tomorrow, I will send you a execution document to cancel the insurance. Yeah. So I will make sure that that's done. Yeah. Definitely, that makes that R34 just insurance. It's Yeah. just but I when I seen the price the other day because when I first seen it, I was only paying a thousand dollars. But now it's all the time going up $33. Yeah. Because I I had a look at the policy. You've had the policy since before you were a client with Oakview. It's it's it's been a long term policy for you. And So just it's just for the the product up that much. I've seen it the other day.","start_word":2922,"end_word":3074,"sentiment":"neutral","sentiment_score":-0.03171122819185257},{"text":"I couldn't believe why they put me glasses on. Is this bloody rough? And I said, no way I'm gonna keep this going.","start_word":3075,"end_word":3097,"sentiment":"negative","sentiment_score":-0.47581323981285095},{"text":"yes.","start_word":3098,"end_word":3098,"sentiment":"neutral","sentiment_score":-0.11571821570396423},{"text":"No.","start_word":3099,"end_word":3099,"sentiment":"negative","sentiment_score":-0.3857361078262329},{"text":"Absolutely fair. Alright. Cool.","start_word":3100,"end_word":3103,"sentiment":"neutral","sentiment_score":-0.062109045684337616},{"text":"Well, I'll cancel the insurance policy.","start_word":3104,"end_word":3109,"sentiment":"negative","sentiment_score":-0.3637721538543701},{"text":"I'll get that document out for you tomorrow, and I'll send you an email so you can have a chat to your broker and come back to me with instructions. Yep.","start_word":3110,"end_word":3140,"sentiment":"neutral","sentiment_score":0.326557457447052},{"text":"Cool.","start_word":3141,"end_word":3141,"sentiment":"positive","sentiment_score":0.4961431622505188},{"text":"If you have Okay. any quest questions, just flick them through to me in an email. Alright? Yep. Okay.","start_word":3142,"end_word":3160,"sentiment":"neutral","sentiment_score":0.18458203971385956},{"text":"Thanks, Tom.","start_word":3161,"end_word":3162,"sentiment":"positive","sentiment_score":0.6934882402420044},{"text":"No. No stress at all, Al.","start_word":3163,"end_word":3168,"sentiment":"neutral","sentiment_score":0.26701822876930237},{"text":"You have a good one. Okay. Thank you. Alright. Bye.","start_word":3169,"end_word":3178,"sentiment":"positive","sentiment_score":0.5659494400024414},{"text":"Bye.","start_word":3179,"end_word":3179,"sentiment":"neutral","sentiment_score":0.20451688766479492}],"average":{"sentiment":"neutral","sentiment_score":0.06410802694127692}}}}