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I have definitely quit. Amazing. How are you? You're good. I'm so sorry. Oh, my darling. Oh, my love. Yeah. I'm in pain. Yeah. It's sometimes they they do go through and they pass on to their noses, don't you? Sure. Now I had a look at everything from top to bottom and sideways and upside down. I had a chat to one of my brokers as well, and her and I had a really, really good chat about where we could possibly with your position. And what we could do, and it's not something that's gonna be turned around in a month. It's not something that's gonna take two months. It's probably gonna be a little bit of a six But her and I both actually believe that we may be able to actually get you into Yes. Yes. So in terms of advice, right this second, I don't have anything documented on paper because it is a little bit more in-depth than what I can do by myself. What we would need to do is, basically, I would connect you with my darling girl, Brooke, and she would work with like, the three of us would work together. Going for a mortgage means, you know, obviously, there's bank statements and all those kind of fun things that we have to provide. And what that's gonna do is that's going to enable her to start looking at lenders to be able to proceed with a loan. Now Yeah. Clean that out a little bit and then and start saving a little bit more heavily as well, which will be good. Now what I would like to do is probably connect you sooner so we could sort of start she could start getting a feel for where you're at, having a look at you know, starting to look at your finances and starting to put a feel out for some of the lenders and and putting a case together for you. Because that case is gonna basically be you know, we're gonna need to use some of your superannuation balance to be able to settle the mortgage at the time you retire. And I know that you're not really at a putting an age on your retirement. But, realistically, because of your age, the lenders aren't going to go for anything longer than a twenty year mortgage. So, normally, you could get a thirty year term. When we start getting a little bit older, they start bringing that term back. And at your age, it's gonna be, like, fifteen, twenty years worth of a term, which does mean that on a $500,000 loan, I know you're three fifty four, but I looked at some of the housing area, and I don't know the, you know, I don't know the Toowoomba area too well. It's been a good or maybe fifteen, twenty years since I've been out that way. So I don't not really that familiar with the Toowoomba area. They're coming up. Yeah. But Brooke did say that there has been a bit of a stagnation market and that over the next six months, there might be a bit of a drop. So it could also be good timing as well. So what I wanna do is I had a look at where your superannuation funds now with your Hostplus account. Obviously, you've done that little grab with your superannuation fund within your within your host plus account, you know, you're you're pretty much on track to have well over 400,000 by the time 68 comes around. But to be able to settle out whatever's left to be your mortgage plus a little bit of a savings account there for you. But, you know, Brooke and I would have to obviously have a bit of a retirement strategy put together to present to the brokers. But how comfortable would you be if I get you with Brooke now? Have a look at getting getting some of the doc a meeting with you and start playing with how we can go ahead with getting you a house. Yeah. Yeah. I know. Yeah. Absolutely. The one question I did have Yeah. Absolute and that's exactly what I said to to Brooke. I was like, she's happy to keep on working just as long as everything keeps keeps allowing her to do so. I did wanna ask, have you ever owned a house before, or would this be your first house? Yeah. I thought I thought that was it. Perfect. No. That's absolutely okay. Well, if you're comfortable, what I'll what I'll do I will send an email through to Brooke, basically connect the two of you. I'll cc you in so that way you have her, like, her email address and stuff like that. And she is love she'll reach out to you within the next couple of days. It's obviously a public holiday on Monday, and depending on what her schedule looks like, it might be early if she can't call you this week. But, yeah, I I think that's because just looking at everything and having a look at what you wanted to go, I change the investment. Oh, am I? What's that? What is Storm? I'm sorry, my love. There's storms hanging around. It's not in shock then. Yeah. I had a look at your superannuation fund, and I had a look at like, there was some some things I could do to change some of the, like, it like, I could move your money over to another super fund, and I could do some, you know, fancy investment stuff, but it just didn't have the same weight behind it as getting you into a house. And that's that is the the ultimate goal, and I can see it stay in host plus. The insurance is there as well. So if anything go to bid does happen to you, you've got that income protection sitting there that's gonna give you that benefit. It'll protect you and keep you safe with income. That is Yeah. Yeah. That's all still sitting there. And it's gonna it's gonna let you let you do everything. You know? It's gonna let us go and buy the house and do what we wanna do on the house front as well. Get you get you into your own home. Yeah. I mean, as you said, you're not paying anyone's rent anymore and you yeah. And correct. And, you know, because you have that little bit of surplus in your cash flow, you know, you could have that away a little bit heavier, get it paid off quicker, you know, move to payments rather than monthly. That way you're you're keeping up with what you're used to payment wise for for rent, and you you have it up quicker. Yeah. Alright. Well, what I'll do is I'm gonna connect you with Brooke, and you'll be in the email, so you'll see everything there. Is there a best day that you have to for her to call, or do you just want her to reach out and give you a call whenever? Call whenever. Yeah. Alright. Perfect. I'll let her know that you're a free agent until you're not. Perfect. No. I love. Well, you'll still be hearing from me in bits and pieces. There's no advice that I can give now until Brooke has a look at everything and she starts getting things under control. And then the three of us will just keep convening and touching base and get the yeah. Yeah. Always. Yeah. Perfect. No. That's excellent. Good. Alright. Well, I will get a email off to Brooke now, and she'll reach out to you. That's okay. I'm very excited, actually. I can't wait. That's it. That's it. And so we'll go from there. I'll I'll talk to you in a little bit, but, yeah, just keep me appraised with Brooke, and and we'll just take it a step at a time. That's okay, Michelle. Have a good one. 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I think I should Yeah. I've got you. I've got you loud and clear, my darling. I I could hear that the call was engaged, but there was nothing coming through.\n\nSo, Bonnie? I have yes. I have definitely quit. Amazing. How are you?\n\nYou're good. I'm so sorry. Oh, my darling. Oh, my love. Yeah.\n\nI'm in pain. Yeah. It's sometimes they they do go through and they pass on to their noses, don't you? Sure. Now I had a look at everything from top to bottom and sideways and upside down.\n\nI had a chat to one of my brokers as well, and her and I had a really, really good chat about where we could possibly with your position. And what we could do, and it's not something that's gonna be turned around in a month. It's not something that's gonna take two months. It's probably gonna be a little bit of a six But her and I both actually believe that we may be able to actually get you into Yes. Yes.\n\nSo in terms of advice, right this second, I don't have anything documented on paper because it is a little bit more in-depth than what I can do by myself. What we would need to do is, basically, I would connect you with my darling girl, Brooke, and she would work with like, the three of us would work together. Going for a mortgage means, you know, obviously, there's bank statements and all those kind of fun things that we have to provide. And what that's gonna do is that's going to enable her to start looking at lenders to be able to proceed with a loan. Now Yeah.\n\nClean that out a little bit and then and start saving a little bit more heavily as well, which will be good. Now what I would like to do is probably connect you sooner so we could sort of start she could start getting a feel for where you're at, having a look at you know, starting to look at your finances and starting to put a feel out for some of the lenders and and putting a case together for you. Because that case is gonna basically be you know, we're gonna need to use some of your superannuation balance to be able to settle the mortgage at the time you retire. And I know that you're not really at a putting an age on your retirement. But, realistically, because of your age, the lenders aren't going to go for anything longer than a twenty year mortgage.\n\nSo, normally, you could get a thirty year term. When we start getting a little bit older, they start bringing that term back. And at your age, it's gonna be, like, fifteen, twenty years worth of a term, which does mean that on a $500,000 loan, I know you're three fifty four, but I looked at some of the housing area, and I don't know the, you know, I don't know the Toowoomba area too well. It's been a good or maybe fifteen, twenty years since I've been out that way. So I don't not really that familiar with the Toowoomba area.\n\nThey're coming up. Yeah. But Brooke did say that there has been a bit of a stagnation market and that over the next six months, there might be a bit of a drop. So it could also be good timing as well. So what I wanna do is I had a look at where your superannuation funds now with your Hostplus account.\n\nObviously, you've done that little grab with your superannuation fund within your within your host plus account, you know, you're you're pretty much on track to have well over 400,000 by the time 68 comes around. But to be able to settle out whatever's left to be your mortgage plus a little bit of a savings account there for you. But, you know, Brooke and I would have to obviously have a bit of a retirement strategy put together to present to the brokers. But how comfortable would you be if I get you with Brooke now? Have a look at getting getting some of the doc a meeting with you and start playing with how we can go ahead with getting you a house.\n\nYeah. Yeah. I know. Yeah. Absolutely.\n\nThe one question I did have Yeah. Absolute and that's exactly what I said to to Brooke. I was like, she's happy to keep on working just as long as everything keeps keeps allowing her to do so. I did wanna ask, have you ever owned a house before, or would this be your first house? Yeah.\n\nI thought I thought that was it. Perfect. No. That's absolutely okay. Well, if you're comfortable, what I'll what I'll do I will send an email through to Brooke, basically connect the two of you.\n\nI'll cc you in so that way you have her, like, her email address and stuff like that. And she is love she'll reach out to you within the next couple of days. It's obviously a public holiday on Monday, and depending on what her schedule looks like, it might be early if she can't call you this week. But, yeah, I I think that's because just looking at everything and having a look at what you wanted to go, I change the investment. Oh, am I?\n\nWhat's that? What is Storm? I'm sorry, my love. There's storms hanging around. It's not in shock then.\n\nYeah. I had a look at your superannuation fund, and I had a look at like, there was some some things I could do to change some of the, like, it like, I could move your money over to another super fund, and I could do some, you know, fancy investment stuff, but it just didn't have the same weight behind it as getting you into a house. And that's that is the the ultimate goal, and I can see it stay in host plus. The insurance is there as well. So if anything go to bid does happen to you, you've got that income protection sitting there that's gonna give you that benefit.\n\nIt'll protect you and keep you safe with income. That is Yeah. Yeah. That's all still sitting there. And it's gonna it's gonna let you let you do everything.\n\nYou know? It's gonna let us go and buy the house and do what we wanna do on the house front as well. Get you get you into your own home. Yeah. I mean, as you said, you're not paying anyone's rent anymore and you yeah.\n\nAnd correct. And, you know, because you have that little bit of surplus in your cash flow, you know, you could have that away a little bit heavier, get it paid off quicker, you know, move to payments rather than monthly. That way you're you're keeping up with what you're used to payment wise for for rent, and you you have it up quicker. Yeah. Alright.\n\nWell, what I'll do is I'm gonna connect you with Brooke, and you'll be in the email, so you'll see everything there. Is there a best day that you have to for her to call, or do you just want her to reach out and give you a call whenever? Call whenever. Yeah. Alright.\n\nPerfect. I'll let her know that you're a free agent until you're not. Perfect. No. I love.\n\nWell, you'll still be hearing from me in bits and pieces. There's no advice that I can give now until Brooke has a look at everything and she starts getting things under control. And then the three of us will just keep convening and touching base and get the yeah. Yeah. Always.\n\nYeah. Perfect. No. That's excellent. Good.\n\nAlright. Well, I will get a email off to Brooke now, and she'll reach out to you. That's okay. I'm very excited, actually. I can't wait.\n\nThat's it. That's it. And so we'll go from there. I'll I'll talk to you in a little bit, but, yeah, just keep me appraised with Brooke, and and we'll just take it a step at a time. That's okay, Michelle.\n\nHave a good one. Bye.","paragraphs":[{"sentences":[{"text":"Hi.","start":2.8799999,"end":3.3799999,"sentiment":"neutral","sentiment_score":0.00309537909924984},{"text":"I think I should Yeah.","start":4.0,"end":11.12,"sentiment":"neutral","sentiment_score":-0.0015491874888539313},{"text":"I've got you.","start":11.12,"end":11.759999,"sentiment":"neutral","sentiment_score":0.07110044235984485},{"text":"I've got you loud and clear, my darling.","start":11.759999,"end":13.62,"sentiment":"neutral","sentiment_score":0.2843143306672573},{"text":"I I could hear that the call was engaged, but there was nothing coming through.","start":17.335,"end":22.475,"sentiment":"neutral","sentiment_score":-0.2069739133119583}],"sentiment":"neutral","sentiment_score":-0.019420102675212547,"num_words":32,"start":2.8799999,"end":22.475},{"sentences":[{"text":"So, Bonnie?","start":37.27,"end":38.09,"sentiment":"neutral","sentiment_score":-0.10330822691321372},{"text":"I have yes.","start":38.79,"end":39.59,"sentiment":"neutral","sentiment_score":-0.09045127282540004},{"text":"I have definitely quit.","start":39.59,"end":40.89,"sentiment":"neutral","sentiment_score":-0.27255578711628914},{"text":"Amazing.","start":45.395,"end":45.895,"sentiment":"positive","sentiment_score":0.444780170917511},{"text":"How are you?","start":46.995,"end":47.975,"sentiment":"neutral","sentiment_score":0.24853157997131348}],"sentiment":"neutral","sentiment_score":-0.02906296230279482,"num_words":13,"start":37.27,"end":47.975},{"sentences":[{"text":"You're good.","start":54.69,"end":55.17,"sentiment":"neutral","sentiment_score":0.07061587274074554},{"text":"I'm so sorry.","start":55.17,"end":56.23,"sentiment":"neutral","sentiment_score":-0.2267094006141027},{"text":"Oh, my darling.","start":62.85,"end":63.829998,"sentiment":"neutral","sentiment_score":0.0870021606485049},{"text":"Oh, my love.","start":82.310005,"end":83.130005,"sentiment":"neutral","sentiment_score":0.18668956061204275},{"text":"Yeah.","start":88.47,"end":88.950005,"sentiment":"neutral","sentiment_score":-0.06808698177337646}],"sentiment":"neutral","sentiment_score":0.017840977137287457,"num_words":12,"start":54.69,"end":88.950005},{"sentences":[{"text":"I'm in pain.","start":88.950005,"end":90.090004,"sentiment":"neutral","sentiment_score":-0.29518426458040875},{"text":"Yeah.","start":93.605,"end":93.765,"sentiment":"neutral","sentiment_score":-0.1140703111886978},{"text":"It's sometimes they they do go through and they pass on to their noses, don't you?","start":93.765,"end":99.625,"sentiment":"neutral","sentiment_score":-0.09084781259298325},{"text":"Sure.","start":114.82,"end":115.32,"sentiment":"neutral","sentiment_score":0.08080818504095078},{"text":"Now I had a look at everything from top to bottom and sideways and upside down.","start":116.42,"end":121.975,"sentiment":"neutral","sentiment_score":0.0525972954928875}],"sentiment":"neutral","sentiment_score":-0.04137359982406771,"num_words":37,"start":88.950005,"end":121.975},{"sentences":[{"text":"I had a chat to one of my brokers as well, and her and I had a really, really good chat about where we could possibly with your position.","start":122.91499,"end":133.15,"sentiment":"neutral","sentiment_score":0.11990194151113773},{"text":"And what we could do, and it's not something that's gonna be turned around in a month.","start":135.53,"end":140.65,"sentiment":"neutral","sentiment_score":0.015881134416250622},{"text":"It's not something that's gonna take two months.","start":140.65,"end":142.17,"sentiment":"neutral","sentiment_score":-0.019474341068416834},{"text":"It's probably gonna be a little bit of a six But her and I both actually believe that we may be able to actually get you into Yes.","start":142.17,"end":155.495,"sentiment":"positive","sentiment_score":0.33744465998773066},{"text":"Yes.","start":157.155,"end":157.655,"sentiment":"neutral","sentiment_score":0.17024242877960205}],"sentiment":"neutral","sentiment_score":0.15915703335889134,"num_words":83,"start":122.91499,"end":157.655},{"sentences":[{"text":"So in terms of advice, right this second, I don't have anything documented on paper because it is a little bit more in-depth than what I can do by myself.","start":157.795,"end":170.64,"sentiment":"neutral","sentiment_score":-0.005341858044266701},{"text":"What we would need to do is, basically, I would connect you with my darling girl, Brooke, and she would work with like, the three of us would work together.","start":172.15501,"end":183.05501,"sentiment":"neutral","sentiment_score":0.198625115553538},{"text":"Going for a mortgage means, you know, obviously, there's bank statements and all those kind of fun things that we have to provide.","start":184.73,"end":191.06999,"sentiment":"neutral","sentiment_score":0.14847128319999445},{"text":"And what that's gonna do is that's going to enable her to start looking at lenders to be able to proceed with a loan.","start":191.76999,"end":203.335,"sentiment":"neutral","sentiment_score":0.1613874907294909},{"text":"Now Yeah.","start":203.715,"end":211.015,"sentiment":"neutral","sentiment_score":0.1947731152176857}],"sentiment":"neutral","sentiment_score":0.12363470868643271,"num_words":109,"start":157.795,"end":211.015},{"sentences":[{"text":"Clean that out a little bit and then and start saving a little bit more heavily as well, which will be good.","start":211.71,"end":219.41,"sentiment":"neutral","sentiment_score":0.29869550466537476},{"text":"Now what I would like to do is probably connect you sooner so we could sort of start she could start getting a feel for where you're at, having a look at you know, starting to look at your finances and starting to put a feel out for some of the lenders and and putting a case together for you.","start":221.15,"end":237.455,"sentiment":"neutral","sentiment_score":0.24736166546742122},{"text":"Because that case is gonna basically be you know, we're gonna need to use some of your superannuation balance to be able to settle the mortgage at the time you retire.","start":237.455,"end":246.89,"sentiment":"neutral","sentiment_score":0.0849913394739551},{"text":"And I know that you're not really at a putting an age on your retirement.","start":246.89,"end":251.31,"sentiment":"neutral","sentiment_score":-0.026472765040428687},{"text":"But, realistically, because of your age, the lenders aren't going to go for anything longer than a twenty year mortgage.","start":252.33,"end":259.915,"sentiment":"neutral","sentiment_score":-0.009475442674010992}],"sentiment":"neutral","sentiment_score":0.15852116368438834,"num_words":148,"start":211.71,"end":259.915},{"sentences":[{"text":"So, normally, you could get a thirty year term.","start":259.975,"end":262.475,"sentiment":"neutral","sentiment_score":0.04305173166924053},{"text":"When we start getting a little bit older, they start bringing that term back.","start":263.335,"end":266.955,"sentiment":"neutral","sentiment_score":0.010369282881064075},{"text":"And at your age, it's gonna be, like, fifteen, twenty years worth of a term, which does mean that on a $500,000 loan, I know you're three fifty four, but I looked at some of the housing area, and I don't know the, you know, I don't know the Toowoomba area too well.","start":267.09,"end":281.91,"sentiment":"neutral","sentiment_score":0.009298596039133251},{"text":"It's been a good or maybe fifteen, twenty years since I've been out that way.","start":282.51498,"end":287.01498,"sentiment":"neutral","sentiment_score":0.04947307743132114},{"text":"So I don't not really that familiar with the Toowoomba area.","start":288.275,"end":290.935,"sentiment":"neutral","sentiment_score":-0.07341552949087186}],"sentiment":"neutral","sentiment_score":0.00941163208335638,"num_words":102,"start":259.975,"end":290.935},{"sentences":[{"text":"They're coming up.","start":292.03497,"end":293.155,"sentiment":"neutral","sentiment_score":-0.07263047869006793},{"text":"Yeah.","start":293.155,"end":293.63498,"sentiment":"neutral","sentiment_score":-0.044214386492967606},{"text":"But Brooke did say that there has been a bit of a stagnation market and that over the next six months, there might be a bit of a drop.","start":293.63498,"end":303.03,"sentiment":"neutral","sentiment_score":-0.14835381918940052},{"text":"So it could also be good timing as well.","start":303.03,"end":306.16998,"sentiment":"neutral","sentiment_score":-0.027046821183628507},{"text":"So what I wanna do is I had a look at where your superannuation funds now with your Hostplus account.","start":307.75,"end":314.875,"sentiment":"neutral","sentiment_score":0.12466160506010056}],"sentiment":"neutral","sentiment_score":-0.037331546266232765,"num_words":62,"start":292.03497,"end":314.875},{"sentences":[{"text":"Obviously, you've done that little grab with your superannuation fund within your within your host plus account, you know, you're you're pretty much on track to have well over 400,000 by the time 68 comes around.","start":314.875,"end":329.06,"sentiment":"neutral","sentiment_score":0.14437007096906504},{"text":"But to be able to settle out whatever's left to be your mortgage plus a little bit of a savings account there for you.","start":329.06,"end":336.965,"sentiment":"neutral","sentiment_score":0.10462785822649796},{"text":"But, you know, Brooke and I would have to obviously have a bit of a retirement strategy put together to present to the brokers.","start":337.745,"end":345.445,"sentiment":"neutral","sentiment_score":0.10689478740096092},{"text":"But how comfortable would you be if I get you with Brooke now?","start":346.305,"end":350.3,"sentiment":"neutral","sentiment_score":0.09982169763400005},{"text":"Have a look at getting getting some of the doc a meeting with you and start playing with how we can go ahead with getting you a house.","start":350.76,"end":362.46,"sentiment":"neutral","sentiment_score":0.209210105240345}],"sentiment":"neutral","sentiment_score":0.1394354485273361,"num_words":125,"start":314.875,"end":362.46},{"sentences":[{"text":"Yeah.","start":364.85498,"end":365.35498,"sentiment":"positive","sentiment_score":0.5493994951248169},{"text":"Yeah.","start":368.455,"end":368.955,"sentiment":"neutral","sentiment_score":0.12742428481578827},{"text":"I know.","start":371.175,"end":371.91498,"sentiment":"neutral","sentiment_score":0.08614623546600342},{"text":"Yeah.","start":383.5,"end":384.0,"sentiment":"neutral","sentiment_score":0.16951626539230347},{"text":"Absolutely.","start":386.13998,"end":386.63998,"sentiment":"positive","sentiment_score":0.454176127910614}],"sentiment":"neutral","sentiment_score":0.24546810736258826,"num_words":6,"start":364.85498,"end":386.63998},{"sentences":[{"text":"The one question I did have Yeah.","start":386.78,"end":393.785,"sentiment":"neutral","sentiment_score":0.29418851009437014},{"text":"Absolute and that's exactly what I said to to Brooke.","start":397.04498,"end":399.525,"sentiment":"positive","sentiment_score":0.48172207474708556},{"text":"I was like, she's happy to keep on working just as long as everything keeps keeps allowing her to do so.","start":399.525,"end":405.54498,"sentiment":"positive","sentiment_score":0.5936055822031838},{"text":"I did wanna ask, have you ever owned a house before, or would this be your first house?","start":405.9,"end":410.32,"sentiment":"neutral","sentiment_score":0.02960711655517419},{"text":"Yeah.","start":413.58002,"end":413.98,"sentiment":"neutral","sentiment_score":0.01506664790213108}],"sentiment":"positive","sentiment_score":0.34895179456655395,"num_words":57,"start":386.78,"end":413.98},{"sentences":[{"text":"I thought I thought that was it.","start":413.98,"end":417.2,"sentiment":"neutral","sentiment_score":-0.0145746184779065},{"text":"Perfect.","start":427.145,"end":427.645,"sentiment":"positive","sentiment_score":0.3345457911491394},{"text":"No.","start":428.745,"end":428.985,"sentiment":"neutral","sentiment_score":0.03149174526333809},{"text":"That's absolutely okay.","start":428.985,"end":430.525,"sentiment":"neutral","sentiment_score":0.14212603867053986},{"text":"Well, if you're comfortable, what I'll what I'll do I will send an email through to Brooke, basically connect the two of you.","start":430.745,"end":438.13,"sentiment":"neutral","sentiment_score":0.22347077532954837}],"sentiment":"neutral","sentiment_score":0.16657774730452468,"num_words":35,"start":413.98,"end":438.13},{"sentences":[{"text":"I'll cc you in so that way you have her, like, her email address and stuff like that.","start":438.13,"end":442.39,"sentiment":"neutral","sentiment_score":0.2876579703556167},{"text":"And she is love she'll reach out to you within the next couple of days.","start":442.69,"end":446.63,"sentiment":"positive","sentiment_score":0.5469058056672415},{"text":"It's obviously a public holiday on Monday, and depending on what her schedule looks like, it might be early if she can't call you this week.","start":446.69,"end":454.565,"sentiment":"neutral","sentiment_score":-0.11065734707965301},{"text":"But, yeah, I I think that's because just looking at everything and having a look at what you wanted to go, I change the investment.","start":456.065,"end":469.97998,"sentiment":"neutral","sentiment_score":0.04342929765582085},{"text":"Oh, am I?","start":470.59998,"end":471.81998,"sentiment":"neutral","sentiment_score":-0.0016579280296961467}],"sentiment":"neutral","sentiment_score":0.13316204809936985,"num_words":87,"start":438.13,"end":471.81998},{"sentences":[{"text":"What's that?","start":472.19998,"end":472.93997,"sentiment":"neutral","sentiment_score":-0.0162489740177989},{"text":"What is Storm?","start":473.96,"end":474.93997,"sentiment":"neutral","sentiment_score":-0.07440623268485069},{"text":"I'm sorry, my love.","start":476.965,"end":478.005,"sentiment":"neutral","sentiment_score":-0.07093511521816254},{"text":"There's storms hanging around.","start":478.005,"end":479.525,"sentiment":"neutral","sentiment_score":-0.07753545045852661},{"text":"It's not in shock then.","start":479.525,"end":480.745,"sentiment":"neutral","sentiment_score":-0.07263806471601128}],"sentiment":"neutral","sentiment_score":-0.06737717957649794,"num_words":18,"start":472.19998,"end":480.745},{"sentences":[{"text":"Yeah.","start":482.485,"end":482.805,"sentiment":"neutral","sentiment_score":-0.04122268036007881},{"text":"I had a look at your superannuation fund, and I had a look at like, there was some some things I could do to change some of the, like, it like, I could move your money over to another super fund, and I could do some, you know, fancy investment stuff, but it just didn't have the same weight behind it as getting you into a house.","start":482.805,"end":499.90002,"sentiment":"neutral","sentiment_score":0.052011868541142835},{"text":"And that's that is the the ultimate goal, and I can see it stay in host plus.","start":500.2,"end":508.745,"sentiment":"neutral","sentiment_score":0.2945478676873095},{"text":"The insurance is there as well.","start":508.745,"end":510.265,"sentiment":"neutral","sentiment_score":0.14282697439193726},{"text":"So if anything go to bid does happen to you, you've got that income protection sitting there that's gonna give you that benefit.","start":510.265,"end":517.53,"sentiment":"neutral","sentiment_score":0.14110085141399634}],"sentiment":"neutral","sentiment_score":0.11011550606538852,"num_words":114,"start":482.485,"end":517.53},{"sentences":[{"text":"It'll protect you and keep you safe with income.","start":518.15,"end":520.73,"sentiment":"neutral","sentiment_score":0.14031327764193216},{"text":"That is Yeah.","start":522.39,"end":523.75,"sentiment":"neutral","sentiment_score":0.08081509172916412},{"text":"Yeah.","start":523.75,"end":524.07,"sentiment":"neutral","sentiment_score":0.09457337856292725},{"text":"That's all still sitting there.","start":524.07,"end":525.53,"sentiment":"neutral","sentiment_score":0.10268601924180984},{"text":"And it's gonna it's gonna let you let you do everything.","start":526.825,"end":529.645,"sentiment":"neutral","sentiment_score":0.23296291448853232}],"sentiment":"neutral","sentiment_score":0.1612365623486453,"num_words":29,"start":518.15,"end":529.645},{"sentences":[{"text":"You know?","start":529.705,"end":530.025,"sentiment":"neutral","sentiment_score":0.16888564079999924},{"text":"It's gonna let us go and buy the house and do what we wanna do on the house front as well.","start":530.025,"end":534.525,"sentiment":"neutral","sentiment_score":0.26089711842082797},{"text":"Get you get you into your own home.","start":534.745,"end":537.085,"sentiment":"neutral","sentiment_score":0.17679222021251917},{"text":"Yeah.","start":552.885,"end":553.28503,"sentiment":"neutral","sentiment_score":0.08559627830982208},{"text":"I mean, as you said, you're not paying anyone's rent anymore and you yeah.","start":553.28503,"end":558.025,"sentiment":"neutral","sentiment_score":-0.02365414266075407}],"sentiment":"neutral","sentiment_score":0.15185623502601747,"num_words":46,"start":529.705,"end":558.025},{"sentences":[{"text":"And correct.","start":565.125,"end":578.05,"sentiment":"neutral","sentiment_score":0.05465717799961567},{"text":"And, you know, because you have that little bit of surplus in your cash flow, you know, you could have that away a little bit heavier, get it paid off quicker, you know, move to payments rather than monthly.","start":578.19,"end":591.995,"sentiment":"neutral","sentiment_score":0.09570273842949134},{"text":"That way you're you're keeping up with what you're used to payment wise for for rent, and you you have it up quicker.","start":591.995,"end":600.01996,"sentiment":"neutral","sentiment_score":0.1604633260032405},{"text":"Yeah.","start":601.36,"end":601.76,"sentiment":"neutral","sentiment_score":0.072919562458992},{"text":"Alright.","start":601.76,"end":602.0,"sentiment":"neutral","sentiment_score":0.06855782866477966}],"sentiment":"neutral","sentiment_score":0.1162705309689045,"num_words":66,"start":565.125,"end":602.0},{"sentences":[{"text":"Well, what I'll do is I'm gonna connect you with Brooke, and you'll be in the email, so you'll see everything there.","start":602.0,"end":608.89996,"sentiment":"neutral","sentiment_score":0.055195575072006745},{"text":"Is there a best day that you have to for her to call, or do you just want her to reach out and give you a call whenever?","start":609.03503,"end":613.615,"sentiment":"neutral","sentiment_score":0.027645167329215577},{"text":"Call whenever.","start":617.275,"end":618.015,"sentiment":"neutral","sentiment_score":-0.0013690586201846602},{"text":"Yeah.","start":621.55005,"end":621.95,"sentiment":"neutral","sentiment_score":0.026384001597762108},{"text":"Alright.","start":621.95,"end":622.35004,"sentiment":"neutral","sentiment_score":0.09790174663066864}],"sentiment":"neutral","sentiment_score":0.03907249940352307,"num_words":54,"start":602.0,"end":622.35004},{"sentences":[{"text":"Perfect.","start":622.35004,"end":622.85004,"sentiment":"positive","sentiment_score":0.351919949054718},{"text":"I'll let her know that you're a free agent until you're not.","start":622.91003,"end":626.29004,"sentiment":"neutral","sentiment_score":0.15538792250057062},{"text":"Perfect.","start":630.75,"end":631.25,"sentiment":"positive","sentiment_score":0.34928151965141296},{"text":"No.","start":631.39,"end":631.71,"sentiment":"neutral","sentiment_score":0.1013406366109848},{"text":"I love.","start":631.71,"end":632.27,"sentiment":"neutral","sentiment_score":0.2652996778488159}],"sentiment":"neutral","sentiment_score":0.18810567829538793,"num_words":17,"start":622.35004,"end":632.27},{"sentences":[{"text":"Well, you'll still be hearing from me in bits and pieces.","start":632.27,"end":635.485,"sentiment":"neutral","sentiment_score":0.08275922726501118},{"text":"There's no advice that I can give now until Brooke has a look at everything and she starts getting things under control.","start":635.485,"end":642.225,"sentiment":"neutral","sentiment_score":0.059144505045630714},{"text":"And then the three of us will just keep convening and touching base and get the yeah.","start":642.76495,"end":648.70496,"sentiment":"neutral","sentiment_score":0.06858359474469633},{"text":"Yeah.","start":653.06,"end":653.56,"sentiment":"neutral","sentiment_score":0.01450543198734522},{"text":"Always.","start":659.30005,"end":659.80005,"sentiment":"neutral","sentiment_score":0.0896230936050415}],"sentiment":"neutral","sentiment_score":0.06695346629175429,"num_words":52,"start":632.27,"end":659.80005},{"sentences":[{"text":"Yeah.","start":667.125,"end":667.625,"sentiment":"neutral","sentiment_score":0.17400944232940674},{"text":"Perfect.","start":680.74005,"end":681.24005,"sentiment":"positive","sentiment_score":0.448747456073761},{"text":"No.","start":681.78,"end":682.10004,"sentiment":"neutral","sentiment_score":0.29408344626426697},{"text":"That's excellent.","start":682.10004,"end":683.24005,"sentiment":"positive","sentiment_score":0.4914967715740204},{"text":"Good.","start":684.5,"end":685.0,"sentiment":"positive","sentiment_score":0.4764968454837799}],"sentiment":"positive","sentiment_score":0.39605512221654254,"num_words":6,"start":667.125,"end":685.0},{"sentences":[{"text":"Alright.","start":685.06,"end":685.46,"sentiment":"neutral","sentiment_score":0.3036038279533386},{"text":"Well, I will get a email off to Brooke now, and she'll reach out to you.","start":685.46,"end":693.695,"sentiment":"neutral","sentiment_score":0.19693299336358905},{"text":"That's okay.","start":693.695,"end":694.495,"sentiment":"positive","sentiment_score":0.4885701984167099},{"text":"I'm very excited, actually.","start":694.495,"end":696.015,"sentiment":"positive","sentiment_score":0.7165563106536865},{"text":"I can't wait.","start":696.015,"end":696.915,"sentiment":"positive","sentiment_score":0.6676284472147623}],"sentiment":"positive","sentiment_score":0.35772241164858526,"num_words":26,"start":685.06,"end":696.915},{"sentences":[{"text":"That's it.","start":704.39996,"end":705.3,"sentiment":"neutral","sentiment_score":0.11574649810791016},{"text":"That's it.","start":705.83997,"end":706.66,"sentiment":"neutral","sentiment_score":0.22944995760917664},{"text":"And so we'll go from there.","start":707.12,"end":710.24,"sentiment":"neutral","sentiment_score":0.27222077641636133},{"text":"I'll I'll talk to you in a little bit, but, yeah, just keep me appraised with Brooke, and and we'll just take it a step at a time.","start":710.24,"end":717.38,"sentiment":"neutral","sentiment_score":0.21875449057136262},{"text":"That's okay, 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Can you hear me now, though? Oh my lordy. That was fun, wasn't it? It was weird because I answered and then you called again, then I had you on hold on the other line, and then it was and I thought, okay. I'll swap it over and then cancel that one and then come back to you. Oh, it's just a nightmare. Do you hear me though? Beautiful. Yeah. It's a little bit sad that this was my client passed away. So yeah. Little bit sad. Yeah. Yeah. I was with it for over twelve months. So I was off on twelve months. So yeah. Yeah. It's a very sad situation this week, but my work's looking after me. So, hopefully, I'll be able to get back into the thing. So they've got another client, another house ready for me. So I'm just in the process of getting all that done. Yeah. But she's in a better place now. And that's part of the downfalls of disability. Yeah. That's right. That's right. And that's the way I look at it as well. But the sun rose and off we go again. Mhmm. Yeah. Mhmm. Oh, that sounds very promising. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Six months would actually be good because my personal loan to be paid off. I'll be able to pay my credit cards off and yeah. Yeah. Yeah. Yeah. It sounds like a good plan. Yeah. Yes. Yeah. Yeah. Yeah. Yeah. Yeah. The prices are hiking up a little bit more. Yeah. Yeah. No. I completely understand. Yeah. No. It sounds good, honey. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. I'm happy with that time because that would be the ultimate goal, and that way I've got a legacy to leave behind. And I know that I probably would have to go just outside Toowoomba, but I'm happy with that. And my kind of work, like, these people are still 75 years old and still doing disability work. So so, you know, I I hope to go as long as my health holds up. I'm happy to go, and I'm young at heart and healthy. So yeah. I did many, many years ago. Many years ago. So nearly yeah. It was with my ex husband, and we sold that in 2003. Yeah. Yeah. Yeah. You keep cutting out, darling. You keep cutting out, sweetheart. Yeah. So it's I'm sort of getting every second word. Yeah. That's right, Tom. Yeah. Yeah. Yeah. And that's still sitting there, isn't it? The income protection. Yeah. Yeah. So that way yes. Oh, honey. That would be amazing. That would be at the ultimate. And and, you know, and with the market the way it is true to be a good investment as well. Well, I pay $420 a week right now. So, you know, I said to them, I'm happy to go up to 500 if I needed to move out. But yeah. It's why pay somebody else's off when I could be paying my own off? Yeah. Yeah. No. That sounds that sounds good down. Mhmm. At the moment at the moment, I'm just on call with work done, so she can just try me. I'm off tomorrow at this stage, but that could change. That's right. You can try. Yeah. Yeah. I'll just work on once my work picks up again, I wanna work on, you know, getting my savings up again and and all of that stuff again because holiday I spent a little bit more than what I should have. But yeah. So I'll definitely definitely work on that. And I want to have at least 5,000 to put back into my super so for a tax thing. So I'll be working on that in the next next six weeks. So Yep. Perfect. Sounds wonderful. Thank you so much. I'm I'm super excited. No guarantees, but we can only but try, can't we? Yes. Okay, beautiful girl. Sounds sounds wonderful. Thank you so much, Louisa. Yeah. You too, darling. 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you hear me now, darling? Can you hear me now, though? Oh my lordy. That was fun, wasn't it? It was weird because I answered and then you called again, then I had you on hold on the other line, and then it was and I thought, okay.\n\nI'll swap it over and then cancel that one and then come back to you. Oh, it's just a nightmare. Do you hear me though? Beautiful. Yeah.\n\nIt's a little bit sad that this was my client passed away. So yeah. Little bit sad. Yeah. Yeah.\n\nI was with it for over twelve months. So I was off on twelve months. So yeah. Yeah. It's a very sad situation this week, but my work's looking after me.\n\nSo, hopefully, I'll be able to get back into the thing. So they've got another client, another house ready for me. So I'm just in the process of getting all that done. Yeah. But she's in a better place now.\n\nAnd that's part of the downfalls of disability. Yeah. That's right. That's right. And that's the way I look at it as well.\n\nBut the sun rose and off we go again. Mhmm. Yeah. Mhmm. Oh, that sounds very promising.\n\nYeah. Yeah. Yeah. Yeah. Yeah.\n\nYeah. Six months would actually be good because my personal loan to be paid off. I'll be able to pay my credit cards off and yeah. Yeah. Yeah.\n\nYeah. It sounds like a good plan. Yeah. Yes. Yeah.\n\nYeah. Yeah. Yeah. Yeah. The prices are hiking up a little bit more.\n\nYeah. Yeah. No. I completely understand. Yeah.\n\nNo. It sounds good, honey. Yeah. Yeah. Yeah.\n\nYeah. Yeah. Yeah. I'm happy with that time because that would be the ultimate goal, and that way I've got a legacy to leave behind. And I know that I probably would have to go just outside Toowoomba, but I'm happy with that.\n\nAnd my kind of work, like, these people are still 75 years old and still doing disability work. So so, you know, I I hope to go as long as my health holds up. I'm happy to go, and I'm young at heart and healthy. So yeah. I did many, many years ago.\n\nMany years ago. So nearly yeah. It was with my ex husband, and we sold that in 2003. Yeah. Yeah.\n\nYeah. You keep cutting out, darling. You keep cutting out, sweetheart. Yeah. So it's I'm sort of getting every second word.\n\nYeah. That's right, Tom. Yeah. Yeah. Yeah.\n\nAnd that's still sitting there, isn't it? The income protection. Yeah. Yeah. So that way yes.\n\nOh, honey. That would be amazing. That would be at the ultimate. And and, you know, and with the market the way it is true to be a good investment as well. Well, I pay $420 a week right now.\n\nSo, you know, I said to them, I'm happy to go up to 500 if I needed to move out. But yeah. It's why pay somebody else's off when I could be paying my own off? Yeah. Yeah.\n\nNo. That sounds that sounds good down. Mhmm. At the moment at the moment, I'm just on call with work done, so she can just try me. I'm off tomorrow at this stage, but that could change.\n\nThat's right. You can try. Yeah. Yeah. I'll just work on once my work picks up again, I wanna work on, you know, getting my savings up again and and all of that stuff again because holiday I spent a little bit more than what I should have.\n\nBut yeah. So I'll definitely definitely work on that. And I want to have at least 5,000 to put back into my super so for a tax thing. So I'll be working on that in the next next six weeks. So Yep.\n\nPerfect. Sounds wonderful. Thank you so much. I'm I'm super excited. No guarantees, but we can only but try, can't we?\n\nYes. Okay, beautiful girl. Sounds sounds wonderful. Thank you so much, Louisa. Yeah.\n\nYou too, darling. Bye bye.","paragraphs":[{"sentences":[{"text":"Can you hear me now, darling?","start":1.04,"end":2.42,"sentiment":"neutral","sentiment_score":0.0006335793683926264},{"text":"Can you hear me now, though?","start":8.88,"end":10.34,"sentiment":"neutral","sentiment_score":-0.013745422475039959},{"text":"Oh my lordy.","start":13.2,"end":14.42,"sentiment":"neutral","sentiment_score":-0.047838994612296425},{"text":"That was fun, wasn't it?","start":15.1449995,"end":22.765,"sentiment":"neutral","sentiment_score":-0.021413681656122212},{"text":"It was weird because I answered and then you called again, then I had you on hold on the other line, and then it was and I thought, okay.","start":23.145,"end":29.145,"sentiment":"neutral","sentiment_score":-0.2064359131558188}],"sentiment":"neutral","sentiment_score":-0.1288958761689006,"num_words":49,"start":1.04,"end":29.145},{"sentences":[{"text":"I'll swap it over and then cancel that one and then come back to you.","start":29.145,"end":32.760002,"sentiment":"neutral","sentiment_score":-0.22440046270688374},{"text":"Oh, it's just a nightmare.","start":32.760002,"end":34.3,"sentiment":"negative","sentiment_score":-0.5564033150672912},{"text":"Do you hear me though?","start":37.08,"end":38.3,"sentiment":"neutral","sentiment_score":-0.10460027456283569},{"text":"Beautiful.","start":41.8,"end":42.3,"sentiment":"positive","sentiment_score":0.4085015058517456},{"text":"Yeah.","start":48.775,"end":49.255,"sentiment":"neutral","sentiment_score":-0.029740948230028152}],"sentiment":"neutral","sentiment_score":-0.2330468270789694,"num_words":27,"start":29.145,"end":49.255},{"sentences":[{"text":"It's a little bit sad that this was my client passed away.","start":49.255,"end":52.455,"sentiment":"negative","sentiment_score":-0.47846582035223645},{"text":"So yeah.","start":52.455,"end":54.715,"sentiment":"neutral","sentiment_score":-0.06344852037727833},{"text":"Little bit sad.","start":55.175003,"end":56.315002,"sentiment":"neutral","sentiment_score":-0.21344446142514548},{"text":"Yeah.","start":56.855,"end":57.355,"sentiment":"neutral","sentiment_score":-0.08489906787872314},{"text":"Yeah.","start":57.575,"end":57.815002,"sentiment":"neutral","sentiment_score":-0.057185664772987366}],"sentiment":"negative","sentiment_score":-0.3500476316793969,"num_words":19,"start":49.255,"end":57.815002},{"sentences":[{"text":"I was with it for over twelve months.","start":57.815002,"end":59.67,"sentiment":"neutral","sentiment_score":-0.07847268460318446},{"text":"So I was off on twelve months.","start":59.75,"end":61.69,"sentiment":"neutral","sentiment_score":-0.10083262196608953},{"text":"So yeah.","start":62.629997,"end":63.37,"sentiment":"neutral","sentiment_score":0.016933051869273186},{"text":"Yeah.","start":64.549995,"end":65.03,"sentiment":"neutral","sentiment_score":-0.042601458728313446},{"text":"It's a very sad situation this week, but my work's looking after me.","start":65.03,"end":69.43,"sentiment":"negative","sentiment_score":-0.3347405092074321}],"sentiment":"neutral","sentiment_score":-0.1836765098475641,"num_words":31,"start":57.815002,"end":69.43},{"sentences":[{"text":"So, hopefully, I'll be able to get back into the thing.","start":69.43,"end":73.995,"sentiment":"neutral","sentiment_score":-0.10528164594010873},{"text":"So they've got another client, another house ready for me.","start":73.995,"end":77.354996,"sentiment":"neutral","sentiment_score":-0.0012053858488798135},{"text":"So I'm just in the process of getting all that done.","start":77.354996,"end":81.135,"sentiment":"neutral","sentiment_score":-0.019358900375664234},{"text":"Yeah.","start":84.395,"end":84.895,"sentiment":"neutral","sentiment_score":0.13804641366004944},{"text":"But she's in a better place now.","start":85.755,"end":87.695,"sentiment":"neutral","sentiment_score":0.16323792615107127}],"sentiment":"neutral","sentiment_score":-0.00255969928111881,"num_words":40,"start":69.43,"end":87.695},{"sentences":[{"text":"And that's part of the downfalls of disability.","start":88.53001,"end":91.75,"sentiment":"neutral","sentiment_score":-0.2510260744020343},{"text":"Yeah.","start":97.490005,"end":97.990005,"sentiment":"neutral","sentiment_score":-0.0551065132021904},{"text":"That's right.","start":100.69,"end":101.590004,"sentiment":"neutral","sentiment_score":0.0518247801810503},{"text":"That's right.","start":102.21001,"end":103.03,"sentiment":"neutral","sentiment_score":0.11127108335494995},{"text":"And that's the way I look at it as well.","start":103.605,"end":105.865,"sentiment":"neutral","sentiment_score":0.05134744681417942}],"sentiment":"neutral","sentiment_score":-0.05320212666107261,"num_words":23,"start":88.53001,"end":105.865},{"sentences":[{"text":"But the sun rose and off we go again.","start":107.925,"end":111.465,"sentiment":"neutral","sentiment_score":-0.011839052041371664},{"text":"Mhmm.","start":127.14,"end":127.38,"sentiment":"neutral","sentiment_score":0.039124950766563416},{"text":"Yeah.","start":127.38,"end":127.88,"sentiment":"neutral","sentiment_score":0.07487940788269043},{"text":"Mhmm.","start":134.325,"end":134.825,"sentiment":"neutral","sentiment_score":-0.015359356068074703},{"text":"Oh, that sounds very promising.","start":152.48,"end":155.93999,"sentiment":"positive","sentiment_score":0.6351146936416626}],"sentiment":"neutral","sentiment_score":0.1863333530833616,"num_words":17,"start":107.925,"end":155.93999},{"sentences":[{"text":"Yeah.","start":163.21501,"end":163.71501,"sentiment":"neutral","sentiment_score":-0.010859085246920586},{"text":"Yeah.","start":171.98,"end":172.48,"sentiment":"neutral","sentiment_score":0.0423259437084198},{"text":"Yeah.","start":178.37999,"end":178.87999,"sentiment":"neutral","sentiment_score":0.19648206233978271},{"text":"Yeah.","start":191.66501,"end":192.16501,"sentiment":"neutral","sentiment_score":0.08520558476448059},{"text":"Yeah.","start":202.97,"end":203.47,"sentiment":"neutral","sentiment_score":0.11582405865192412}],"sentiment":"neutral","sentiment_score":0.08579571284353733,"num_words":5,"start":163.21501,"end":203.47},{"sentences":[{"text":"Yeah.","start":203.85,"end":204.35,"sentiment":"neutral","sentiment_score":0.1472051739692688},{"text":"Six months would actually be good because my personal loan to be paid off.","start":204.73,"end":207.93001,"sentiment":"neutral","sentiment_score":0.3238423147371837},{"text":"I'll be able to pay my credit cards off and yeah.","start":207.93001,"end":210.75,"sentiment":"neutral","sentiment_score":0.27123476429419086},{"text":"Yeah.","start":216.265,"end":216.765,"sentiment":"neutral","sentiment_score":0.2284790575504303},{"text":"Yeah.","start":218.185,"end":218.265,"sentiment":"neutral","sentiment_score":0.22429195046424863}],"sentiment":"neutral","sentiment_score":0.28990539269787924,"num_words":28,"start":203.85,"end":218.265},{"sentences":[{"text":"Yeah.","start":218.265,"end":218.58499,"sentiment":"neutral","sentiment_score":0.2194213569164276},{"text":"It sounds like a good plan.","start":218.58499,"end":220.045,"sentiment":"positive","sentiment_score":0.4903187205394109},{"text":"Yeah.","start":237.99,"end":238.49,"sentiment":"neutral","sentiment_score":0.11291007697582243},{"text":"Yes.","start":256.62,"end":257.12,"sentiment":"neutral","sentiment_score":0.06438888609409332},{"text":"Yeah.","start":266.94,"end":267.44,"sentiment":"neutral","sentiment_score":0.049326445907354355}],"sentiment":"positive","sentiment_score":0.3387959089130163,"num_words":10,"start":218.265,"end":267.44},{"sentences":[{"text":"Yeah.","start":271.02,"end":271.52,"sentiment":"neutral","sentiment_score":0.03626839071512222},{"text":"Yeah.","start":276.73502,"end":277.23502,"sentiment":"neutral","sentiment_score":0.01255868375301361},{"text":"Yeah.","start":278.655,"end":279.155,"sentiment":"neutral","sentiment_score":0.0107906274497509},{"text":"Yeah.","start":288.33,"end":288.73,"sentiment":"neutral","sentiment_score":-0.02825332060456276},{"text":"The prices are hiking up a little bit more.","start":288.73,"end":291.05,"sentiment":"neutral","sentiment_score":-0.06629499606788158}],"sentiment":"neutral","sentiment_score":-0.0434838910228931,"num_words":13,"start":271.02,"end":291.05},{"sentences":[{"text":"Yeah.","start":291.05,"end":291.55,"sentiment":"neutral","sentiment_score":-0.014471333473920822},{"text":"Yeah.","start":291.69,"end":292.19,"sentiment":"neutral","sentiment_score":-0.013655366376042366},{"text":"No.","start":292.25,"end":292.65,"sentiment":"neutral","sentiment_score":-0.08135128021240234},{"text":"I completely understand.","start":292.65,"end":293.87,"sentiment":"neutral","sentiment_score":-0.06122682988643646},{"text":"Yeah.","start":306.90503,"end":307.385,"sentiment":"neutral","sentiment_score":0.0010369643568992617}],"sentiment":"neutral","sentiment_score":-0.04173164362353938,"num_words":7,"start":291.05,"end":307.385},{"sentences":[{"text":"No.","start":307.385,"end":307.625,"sentiment":"neutral","sentiment_score":0.043754350394010544},{"text":"It sounds good, honey.","start":307.625,"end":308.765,"sentiment":"neutral","sentiment_score":0.30308786779642105},{"text":"Yeah.","start":323.90002,"end":324.40002,"sentiment":"neutral","sentiment_score":0.11615113168954848},{"text":"Yeah.","start":329.475,"end":329.975,"sentiment":"neutral","sentiment_score":0.08183930814266205},{"text":"Yeah.","start":336.515,"end":337.015,"sentiment":"neutral","sentiment_score":0.07303659617900848}],"sentiment":"neutral","sentiment_score":0.19089160719886422,"num_words":8,"start":307.385,"end":337.015},{"sentences":[{"text":"Yeah.","start":351.03998,"end":351.53998,"sentiment":"neutral","sentiment_score":0.11043992638587952},{"text":"Yeah.","start":362.695,"end":363.195,"sentiment":"neutral","sentiment_score":0.2454492151737213},{"text":"Yeah.","start":363.735,"end":364.135,"sentiment":"positive","sentiment_score":0.33828768134117126},{"text":"I'm happy with that time because that would be the ultimate goal, and that way I've got a legacy to leave behind.","start":364.135,"end":369.78,"sentiment":"positive","sentiment_score":0.4728437384421175},{"text":"And I know that I probably would have to go just outside Toowoomba, but I'm happy with that.","start":371.04,"end":377.12,"sentiment":"neutral","sentiment_score":0.15393307391140196}],"sentiment":"neutral","sentiment_score":0.32250079997750214,"num_words":43,"start":351.03998,"end":377.12},{"sentences":[{"text":"And my kind of work, like, these people are still 75 years old and still doing disability work.","start":377.12,"end":383.715,"sentiment":"neutral","sentiment_score":0.09690829180181026},{"text":"So so, you know, I I hope to go as long as my health holds up.","start":383.715,"end":389.555,"sentiment":"neutral","sentiment_score":0.2659328319132328},{"text":"I'm happy to go, and I'm young at heart and healthy.","start":389.555,"end":393.575,"sentiment":"positive","sentiment_score":0.5871205898848447},{"text":"So yeah.","start":393.715,"end":406.63,"sentiment":"neutral","sentiment_score":0.2238103337585926},{"text":"I did many, many years ago.","start":410.295,"end":412.315,"sentiment":"neutral","sentiment_score":0.028617269980410736}],"sentiment":"neutral","sentiment_score":0.24673444036183492,"num_words":53,"start":377.12,"end":412.315},{"sentences":[{"text":"Many years ago.","start":413.015,"end":414.23502,"sentiment":"neutral","sentiment_score":0.01346066656212012},{"text":"So nearly yeah.","start":415.73502,"end":418.475,"sentiment":"neutral","sentiment_score":-0.005795709167917569},{"text":"It was with my ex husband, and we sold that in 2003.","start":418.535,"end":424.72998,"sentiment":"neutral","sentiment_score":0.030575585551559925},{"text":"Yeah.","start":447.17502,"end":447.67502,"sentiment":"neutral","sentiment_score":-0.02220804989337921},{"text":"Yeah.","start":454.99002,"end":455.07,"sentiment":"neutral","sentiment_score":-0.01950080133974552}],"sentiment":"neutral","sentiment_score":0.0174096523784101,"num_words":20,"start":413.015,"end":455.07},{"sentences":[{"text":"Yeah.","start":455.07,"end":455.57,"sentiment":"neutral","sentiment_score":-0.01575283706188202},{"text":"You keep cutting out, darling.","start":468.285,"end":469.745,"sentiment":"neutral","sentiment_score":-0.03355841189622879},{"text":"You keep cutting out, sweetheart.","start":471.085,"end":472.44498,"sentiment":"neutral","sentiment_score":-0.011362079530954361},{"text":"Yeah.","start":472.44498,"end":472.925,"sentiment":"neutral","sentiment_score":-0.0039743464440107346},{"text":"So it's I'm sort of getting every second word.","start":472.925,"end":475.905,"sentiment":"neutral","sentiment_score":-0.03745800505081812}],"sentiment":"neutral","sentiment_score":-0.027688175528531984,"num_words":21,"start":455.07,"end":475.905},{"sentences":[{"text":"Yeah.","start":475.965,"end":476.465,"sentiment":"neutral","sentiment_score":-0.014305941760540009},{"text":"That's right, Tom.","start":479.06,"end":480.12,"sentiment":"neutral","sentiment_score":-0.010359737401207289},{"text":"Yeah.","start":500.725,"end":501.225,"sentiment":"neutral","sentiment_score":0.13329893350601196},{"text":"Yeah.","start":518.26,"end":518.76,"sentiment":"neutral","sentiment_score":0.1368694305419922},{"text":"Yeah.","start":518.9,"end":519.4,"sentiment":"neutral","sentiment_score":0.14417211711406708}],"sentiment":"neutral","sentiment_score":0.05270790388541562,"num_words":7,"start":475.965,"end":519.4},{"sentences":[{"text":"And that's still sitting there, isn't it?","start":519.54,"end":521.295,"sentiment":"neutral","sentiment_score":0.09439345129898616},{"text":"The income protection.","start":521.295,"end":521.77496,"sentiment":"neutral","sentiment_score":0.026932527000705402},{"text":"Yeah.","start":521.77496,"end":522.27496,"sentiment":"neutral","sentiment_score":0.07478584349155426},{"text":"Yeah.","start":535.295,"end":535.45496,"sentiment":"neutral","sentiment_score":0.10902908444404602},{"text":"So that way yes.","start":535.45496,"end":538.64,"sentiment":"neutral","sentiment_score":0.22484874352812767}],"sentiment":"neutral","sentiment_score":0.11404760263394564,"num_words":16,"start":519.54,"end":538.64},{"sentences":[{"text":"Oh, honey.","start":538.64,"end":539.2,"sentiment":"positive","sentiment_score":0.5010856986045837},{"text":"That would be amazing.","start":539.2,"end":540.5,"sentiment":"positive","sentiment_score":0.7552128881216049},{"text":"That would be at the ultimate.","start":542.16003,"end":543.62,"sentiment":"positive","sentiment_score":0.6440915167331696},{"text":"And and, you know, and with the market the way it is true to be a good investment as well.","start":546.56,"end":558.915,"sentiment":"neutral","sentiment_score":0.2634070012718439},{"text":"Well, I pay $420 a week right now.","start":558.915,"end":561.975,"sentiment":"neutral","sentiment_score":0.05022583552636206}],"sentiment":"positive","sentiment_score":0.3389379689935595,"num_words":40,"start":538.64,"end":561.975},{"sentences":[{"text":"So, you know, I said to them, I'm happy to go up to 500 if I needed to move out.","start":564.48004,"end":569.94,"sentiment":"neutral","sentiment_score":0.12070103567093611},{"text":"But yeah.","start":570.24005,"end":571.22003,"sentiment":"neutral","sentiment_score":-0.009779570624232292},{"text":"It's why pay somebody else's off when I could be paying my own off?","start":572.0,"end":576.42004,"sentiment":"neutral","sentiment_score":-0.029399797985596315},{"text":"Yeah.","start":597.21,"end":597.71,"sentiment":"neutral","sentiment_score":0.04231253266334534},{"text":"Yeah.","start":597.93,"end":598.17004,"sentiment":"neutral","sentiment_score":0.05434687435626984}],"sentiment":"neutral","sentiment_score":0.05472431072082959,"num_words":38,"start":564.48004,"end":598.17004},{"sentences":[{"text":"No.","start":598.17004,"end":598.33,"sentiment":"neutral","sentiment_score":0.06933243572711945},{"text":"That sounds that sounds good down.","start":598.33,"end":600.11005,"sentiment":"neutral","sentiment_score":0.1448310213163495},{"text":"Mhmm.","start":604.89,"end":605.39,"sentiment":"neutral","sentiment_score":0.03160690516233444},{"text":"At the moment at the moment, I'm just on call with work done, so she can just try me.","start":612.085,"end":617.685,"sentiment":"neutral","sentiment_score":0.010661240373002855},{"text":"I'm off tomorrow at this stage, but that could change.","start":617.685,"end":620.425,"sentiment":"neutral","sentiment_score":-0.03988132756203413}],"sentiment":"neutral","sentiment_score":0.02091015568254767,"num_words":37,"start":598.17004,"end":620.425},{"sentences":[{"text":"That's right.","start":627.14996,"end":627.97,"sentiment":"neutral","sentiment_score":0.17039619386196136},{"text":"You can try.","start":628.19,"end":629.01,"sentiment":"neutral","sentiment_score":0.15089730421702066},{"text":"Yeah.","start":643.005,"end":643.505,"sentiment":"neutral","sentiment_score":0.04724261909723282},{"text":"Yeah.","start":645.83,"end":646.23004,"sentiment":"neutral","sentiment_score":0.0627540722489357},{"text":"I'll just work on once my work picks up again, I wanna work on, you know, getting my savings up again and and all of that stuff again because holiday I spent a little bit more than what I should have.","start":646.23004,"end":658.01,"sentiment":"neutral","sentiment_score":0.01995873274054469}],"sentiment":"neutral","sentiment_score":0.035870604876739286,"num_words":48,"start":627.14996,"end":658.01},{"sentences":[{"text":"But yeah.","start":658.835,"end":660.935,"sentiment":"neutral","sentiment_score":0.10396769270300865},{"text":"So I'll definitely definitely work on that.","start":661.075,"end":665.815,"sentiment":"neutral","sentiment_score":0.32916862198284697},{"text":"And I want to have at least 5,000 to put back into my super so for a tax thing.","start":667.075,"end":673.47504,"sentiment":"neutral","sentiment_score":0.15047978884295413},{"text":"So I'll be working on that in the next next six weeks.","start":673.47504,"end":677.59,"sentiment":"neutral","sentiment_score":0.10478960288067658},{"text":"So Yep.","start":677.59,"end":688.95,"sentiment":"neutral","sentiment_score":0.2116307094693184}],"sentiment":"neutral","sentiment_score":0.1679040090668769,"num_words":42,"start":658.835,"end":688.95},{"sentences":[{"text":"Perfect.","start":688.95,"end":689.45,"sentiment":"positive","sentiment_score":0.37384629249572754},{"text":"Sounds wonderful.","start":690.785,"end":691.665,"sentiment":"positive","sentiment_score":0.6711255013942719},{"text":"Thank you so much.","start":691.665,"end":692.805,"sentiment":"positive","sentiment_score":0.7554078102111816},{"text":"I'm I'm super excited.","start":696.545,"end":698.325,"sentiment":"positive","sentiment_score":0.6037499457597733},{"text":"No guarantees, but we can only but try, can't we?","start":700.545,"end":703.525,"sentiment":"neutral","sentiment_score":0.06805360056459904}],"sentiment":"positive","sentiment_score":0.3730125868959086,"num_words":21,"start":688.95,"end":703.525},{"sentences":[{"text":"Yes.","start":706.12,"end":706.62,"sentiment":"neutral","sentiment_score":0.23949351906776428},{"text":"Okay, beautiful girl.","start":707.24,"end":708.54,"sentiment":"positive","sentiment_score":0.5949591994285583},{"text":"Sounds sounds wonderful.","start":717.88,"end":719.01996,"sentiment":"positive","sentiment_score":0.8714579343795776},{"text":"Thank you so much, Louisa.","start":719.385,"end":722.20496,"sentiment":"positive","sentiment_score":0.851369833946228},{"text":"Yeah.","start":723.545,"end":724.045,"sentiment":"positive","sentiment_score":0.4996034502983093}],"sentiment":"positive","sentiment_score":0.7227075031170478,"num_words":13,"start":706.12,"end":724.045},{"sentences":[{"text":"You too, darling.","start":724.34503,"end":725.145,"sentiment":"positive","sentiment_score":0.6080875794092814},{"text":"Bye bye.","start":725.145,"end":725.885,"sentiment":"neutral","sentiment_score":0.30449047684669495}],"sentiment":"positive","sentiment_score":0.4866487383842468,"num_words":5,"start":724.34503,"end":725.885}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Can you hear me now, darling?\n\nChannel 0: Hi. I think I should\n\nChannel 1: Can you hear me now, though?\n\nChannel 0: Yeah. I've got you. I've got you loud and clear, my darling.\n\nChannel 1: Oh my lordy. That was fun, wasn't\n\nChannel 0: I I could hear that the call was engaged, but there was nothing coming through.\n\nChannel 1: it? It was weird because I answered and then you called again, then I had you on hold on the other line, and then it was and I thought, okay. I'll swap it over and then cancel that one and then come back to you. Oh, it's just a nightmare. Do\n\nChannel 0: So,\n\nChannel 1: you hear me\n\nChannel 0: Bonnie?\n\nChannel 1: though?\n\nChannel 0: I have yes. I have definitely quit.\n\nChannel 1: Beautiful.\n\nChannel 0: Amazing. How are you?\n\nChannel 1: Yeah. It's a little bit sad that this was my client passed away. So yeah.\n\nChannel 0: You're good. I'm\n\nChannel 1: Little\n\nChannel 0: so\n\nChannel 1: bit\n\nChannel 0: sorry.\n\nChannel 1: sad. Yeah. Yeah. I was with it for over twelve months. So I was off on twelve months.\n\nSo\n\nChannel 0: Oh,\n\nChannel 1: yeah.\n\nChannel 0: my darling.\n\nChannel 1: Yeah. It's a very sad situation this week, but my work's looking after me. So, hopefully, I'll be able to get back into the thing. So they've got another client, another house ready for me. So I'm just in the process of getting all that done.\n\nChannel 0: Oh, my love.\n\nChannel 1: Yeah. But she's in a better place now.\n\nChannel 0: Yeah.\n\nChannel 1: And that's\n\nChannel 0: I'm in\n\nChannel 1: part of\n\nChannel 0: pain.\n\nChannel 1: the downfalls of disability.\n\nChannel 0: Yeah. It's sometimes they they do go through and\n\nChannel 1: Yeah.\n\nChannel 0: they pass on to their noses, don't you?\n\nChannel 1: That's right. That's right. And that's the way I look at it as well. But the sun rose and off we go again.\n\nChannel 0: Sure. Now I had a look at everything from top to bottom and sideways and upside down. I had a chat to one of my brokers as well,\n\nChannel 1: Mhmm. Yeah.\n\nChannel 0: and her and I had a really, really good chat about where we could possibly with your position.\n\nChannel 1: Mhmm.\n\nChannel 0: And what we could do, and it's not something that's gonna be turned around in a month. It's not something that's gonna take two months. It's probably gonna be a little bit of a six But her and I both actually believe that we may be able to actually get you into\n\nChannel 1: Oh, that sounds\n\nChannel 0: Yes.\n\nChannel 1: very promising.\n\nChannel 0: Yes. So in terms of advice, right this second, I don't\n\nChannel 1: Yeah.\n\nChannel 0: have anything documented on paper because it is a little bit more in-depth than what I can do by myself.\n\nChannel 1: Yeah.\n\nChannel 0: What we would need to do is, basically, I would connect you with my darling girl, Brooke, and\n\nChannel 1: Yeah.\n\nChannel 0: she would work with like, the three of us would work together. Going for a mortgage means, you know, obviously, there's bank statements and all those kind of fun things that we have to provide.\n\nChannel 1: Yeah.\n\nChannel 0: And what that's gonna do is that's going to enable her to start looking at lenders to be able to proceed with a loan.\n\nChannel 1: Yeah.\n\nChannel 0: Now\n\nChannel 1: Yeah. Six months would actually be good because my personal loan to be paid off. I'll be able to pay my credit cards off and yeah.\n\nChannel 0: Yeah. Clean that out a little bit and then and start saving a little bit more heavily as well,\n\nChannel 1: Yeah. Yeah. Yeah.\n\nChannel 0: which\n\nChannel 1: It\n\nChannel 0: will\n\nChannel 1: sounds\n\nChannel 0: be good.\n\nChannel 1: like a good plan.\n\nChannel 0: Now what I would like to do is probably connect you sooner so we could sort of start she could start getting a feel for where you're at, having a look at you know, starting to look at your finances and starting to put a feel out for some of the lenders and and putting a case together for you. Because that case\n\nChannel 1: Yeah.\n\nChannel 0: is gonna basically be you know, we're gonna need to use some of your superannuation balance to be able to settle the mortgage at the time you retire. And I know that you're not really at a putting an age on your retirement. But, realistically, because of your age, the lenders\n\nChannel 1: Yes.\n\nChannel 0: aren't going to go for anything longer than a twenty year mortgage. So, normally, you could get a thirty year term. When we start getting a little bit older, they start bringing that term back.\n\nChannel 1: Yeah.\n\nChannel 0: And at your age, it's gonna be, like, fifteen, twenty years worth of a term, which\n\nChannel 1: Yeah.\n\nChannel 0: does mean that on a $500,000 loan, I know you're three fifty four, but I looked\n\nChannel 1: Yeah.\n\nChannel 0: at some of the housing area,\n\nChannel 1: Yeah.\n\nChannel 0: and I don't know the, you know, I don't know the Toowoomba area too well. It's been a good or maybe fifteen, twenty years since I've been out that way. So\n\nChannel 1: Yeah.\n\nChannel 0: I don't\n\nChannel 1: The\n\nChannel 0: not\n\nChannel 1: prices\n\nChannel 0: really that\n\nChannel 1: are\n\nChannel 0: familiar\n\nChannel 1: hiking\n\nChannel 0: with\n\nChannel 1: up\n\nChannel 0: the Toowoomba\n\nChannel 1: a little bit\n\nChannel 0: area.\n\nChannel 1: more. Yeah. Yeah.\n\nChannel 0: They're\n\nChannel 1: No.\n\nChannel 0: coming\n\nChannel 1: I\n\nChannel 0: up.\n\nChannel 1: completely\n\nChannel 0: Yeah.\n\nChannel 1: understand.\n\nChannel 0: But Brooke did say that there has been a bit of a stagnation market and that over the next six months, there might be a bit of a drop. So it could also be good timing as well.\n\nChannel 1: Yeah. No. It\n\nChannel 0: So\n\nChannel 1: sounds good, honey.\n\nChannel 0: what I wanna do is I had a look at where your superannuation funds now with your Hostplus account. Obviously, you've done that little grab with your superannuation fund within your within your host plus account, you know, you're you're\n\nChannel 1: Yeah.\n\nChannel 0: pretty much on track to have well over 400,000 by the time 68 comes around. But to be\n\nChannel 1: Yeah.\n\nChannel 0: able to settle out whatever's left to be your mortgage plus a little bit of a savings account there for you.\n\nChannel 1: Yeah.\n\nChannel 0: But, you know, Brooke and I would have to obviously have a bit of a retirement strategy put together to present to the brokers. But how comfortable would you be if I get you with Brooke now? Have\n\nChannel 1: Yeah.\n\nChannel 0: a look at getting getting some of the doc a meeting with you and start playing with how we can go ahead with getting you a house.\n\nChannel 1: Yeah. Yeah. I'm happy with\n\nChannel 0: Yeah.\n\nChannel 1: that time because that would be the ultimate goal, and that way I've got a\n\nChannel 0: Yeah.\n\nChannel 1: legacy to leave behind. And I\n\nChannel 0: I\n\nChannel 1: know\n\nChannel 0: know.\n\nChannel 1: that I probably would have to go just outside Toowoomba, but I'm happy with that. And my kind of work, like, these people are still 75 years old and still doing disability work.\n\nChannel 0: Yeah.\n\nChannel 1: So so,\n\nChannel 0: Absolutely.\n\nChannel 1: you know,\n\nChannel 0: The one\n\nChannel 1: I\n\nChannel 0: question\n\nChannel 1: I hope\n\nChannel 0: I did\n\nChannel 1: to\n\nChannel 0: have\n\nChannel 1: go as long as my health holds up. I'm happy to go, and I'm young at heart and healthy.\n\nChannel 0: Yeah.\n\nChannel 1: So\n\nChannel 0: Absolute and that's exactly what I said to to Brooke. I was like, she's happy to keep on working just as long as everything keeps keeps allowing her to do so. I did\n\nChannel 1: yeah.\n\nChannel 0: wanna ask, have you ever owned a house before, or would this be your first house?\n\nChannel 1: I did many, many years ago. Many years\n\nChannel 0: Yeah.\n\nChannel 1: ago.\n\nChannel 0: I thought I thought that\n\nChannel 1: So nearly\n\nChannel 0: was it.\n\nChannel 1: yeah. It was with my ex husband, and we sold that in 2003.\n\nChannel 0: Perfect. No. That's absolutely okay. Well, if you're comfortable, what I'll what I'll do I will send an email through to Brooke, basically connect the two of you. I'll cc you in so that way you have her, like, her email address and stuff like that.\n\nAnd she is love she'll reach out to you within the next couple of days. It's obviously\n\nChannel 1: Yeah.\n\nChannel 0: a public holiday on Monday, and depending on what her schedule looks like, it might be early if she can't call you this week.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: But, yeah, I I think that's because just looking at everything and having a look at what you wanted to go, I\n\nChannel 1: You keep cutting out,\n\nChannel 0: change the\n\nChannel 1: darling.\n\nChannel 0: investment. Oh, am\n\nChannel 1: You keep\n\nChannel 0: I?\n\nChannel 1: cutting out, sweetheart.\n\nChannel 0: What's that?\n\nChannel 1: Yeah. So it's I'm sort of\n\nChannel 0: What is Storm?\n\nChannel 1: getting every second word. Yeah.\n\nChannel 0: I'm sorry, my love. There's storms hanging\n\nChannel 1: That's\n\nChannel 0: around.\n\nChannel 1: right,\n\nChannel 0: It's\n\nChannel 1: Tom.\n\nChannel 0: not in shock then. Yeah. I had a look at your superannuation fund, and I had a look at like, there was some some things I could do to change some of the, like, it like, I could move your money over to another super fund, and I could do some, you know, fancy investment stuff, but it just didn't have the same weight behind it as getting you into a house. And\n\nChannel 1: Yeah.\n\nChannel 0: that's that is the the ultimate goal, and I can see it stay in host plus. The insurance is there as well. So if anything go to bid does happen to you, you've got that income protection sitting there that's gonna give you that benefit. It'll\n\nChannel 1: Yeah.\n\nChannel 0: protect you\n\nChannel 1: Yeah.\n\nChannel 0: and keep you\n\nChannel 1: And\n\nChannel 0: safe\n\nChannel 1: that's\n\nChannel 0: with\n\nChannel 1: still\n\nChannel 0: income.\n\nChannel 1: sitting there, isn't it? The income protection. Yeah.\n\nChannel 0: That is Yeah. Yeah. That's all still sitting there. And it's gonna it's gonna let you let you do everything. You know?\n\nIt's gonna let us go and buy the house and do what we wanna do on the house front as well. Get you get\n\nChannel 1: Yeah.\n\nChannel 0: you\n\nChannel 1: So\n\nChannel 0: into\n\nChannel 1: that way\n\nChannel 0: your own home.\n\nChannel 1: yes. Oh, honey. That would be amazing. That would be at the ultimate. And and, you know, and with the market the way it is true to be a good investment as\n\nChannel 0: Yeah. I mean, as you said, you're not paying anyone's rent anymore and you yeah.\n\nChannel 1: well. Well, I pay $420 a week right now. So, you know,\n\nChannel 0: And\n\nChannel 1: I said to them, I'm happy to go up to 500 if I needed to move out. But yeah. It's why pay somebody else's off when I could be paying my own off?\n\nChannel 0: correct. And, you know, because you have that little bit of surplus in your cash flow, you know, you could have that away a little bit heavier, get it paid off quicker, you know, move to payments rather than monthly. That way you're you're keeping up with what you're used to payment wise\n\nChannel 1: Yeah.\n\nChannel 0: for for rent,\n\nChannel 1: Yeah. No. That\n\nChannel 0: and\n\nChannel 1: sounds\n\nChannel 0: you\n\nChannel 1: that\n\nChannel 0: you have\n\nChannel 1: sounds\n\nChannel 0: it\n\nChannel 1: good\n\nChannel 0: up quicker.\n\nChannel 1: down.\n\nChannel 0: Yeah. Alright. Well, what I'll do is I'm gonna connect you with Brooke,\n\nChannel 1: Mhmm.\n\nChannel 0: and you'll be in the email, so you'll see everything there. Is there a best day that you have to for her to call, or do you just want her to\n\nChannel 1: At\n\nChannel 0: reach\n\nChannel 1: the\n\nChannel 0: out\n\nChannel 1: moment\n\nChannel 0: and give you a\n\nChannel 1: at\n\nChannel 0: call whenever?\n\nChannel 1: the moment, I'm just on call with work done, so she can just try\n\nChannel 0: Call\n\nChannel 1: me.\n\nChannel 0: whenever.\n\nChannel 1: I'm off tomorrow at this stage, but that could change.\n\nChannel 0: Yeah. Alright. Perfect. I'll let her know that you're a free agent until you're not.\n\nChannel 1: That's right. You can try.\n\nChannel 0: Perfect. No. I love. Well, you'll still be hearing from me in bits and pieces. There's no advice that I can give now until Brooke has a look at everything and she starts getting things under control.\n\nAnd then\n\nChannel 1: Yeah.\n\nChannel 0: the three of us will just keep convening and touching base\n\nChannel 1: Yeah.\n\nChannel 0: and\n\nChannel 1: I'll just work on once my\n\nChannel 0: get\n\nChannel 1: work\n\nChannel 0: the\n\nChannel 1: picks\n\nChannel 0: yeah.\n\nChannel 1: up again, I wanna work on, you know, getting my savings up again and\n\nChannel 0: Yeah.\n\nChannel 1: and all of that stuff again because holiday I spent a little bit more than what I should have. But\n\nChannel 0: Always.\n\nChannel 1: yeah. So I'll definitely definitely work on that. And\n\nChannel 0: Yeah.\n\nChannel 1: I want to have at least 5,000 to put back into my super so for a tax thing. So I'll be working on that in the next next six weeks. So\n\nChannel 0: Perfect. No. That's excellent. Good. Alright.\n\nWell, I will get a email off to Brooke now,\n\nChannel 1: Yep.\n\nChannel 0: and\n\nChannel 1: Perfect.\n\nChannel 0: she'll reach out to\n\nChannel 1: Sounds wonderful. Thank you so much.\n\nChannel 0: you. That's okay. I'm very excited, actually. I can't wait.\n\nChannel 1: I'm I'm super excited. No guarantees, but we can only but try, can't we?\n\nChannel 0: That's it. That's\n\nChannel 1: Yes.\n\nChannel 0: it. And\n\nChannel 1: Okay, beautiful girl.\n\nChannel 0: so we'll go from there. I'll I'll talk to you in a little bit, but, yeah, just keep me appraised with Brooke, and and we'll just take it a step at a time.\n\nChannel 1: Sounds sounds wonderful. Thank you so much, Louisa.\n\nChannel 0: That's okay, Michelle. Have a good one.\n\nChannel 1: Yeah. You too, darling. Bye bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Can you hear me now, darling?","start":1.04,"end":2.42,"sentiment":"neutral","sentiment_score":0.0006335793683926264}],"sentiment":"neutral","sentiment_score":0.0006335793683926264,"channel":1,"num_words":6,"start":1.04,"end":2.42},{"sentences":[{"text":"Hi.","start":2.8799999,"end":3.3799999,"sentiment":"neutral","sentiment_score":0.00309537909924984},{"text":"I think I should","start":4.0,"end":5.06,"sentiment":"neutral","sentiment_score":-0.0071344568859785795}],"sentiment":"neutral","sentiment_score":-0.005088489688932896,"channel":0,"num_words":5,"start":2.8799999,"end":5.06},{"sentences":[{"text":"Can you hear me now, though?","start":8.88,"end":10.34,"sentiment":"neutral","sentiment_score":-0.013745422475039959}],"sentiment":"neutral","sentiment_score":-0.013745422475039959,"channel":1,"num_words":6,"start":8.88,"end":10.34},{"sentences":[{"text":"Yeah.","start":10.8,"end":11.12,"sentiment":"neutral","sentiment_score":0.02079189009964466},{"text":"I've got you.","start":11.12,"end":11.759999,"sentiment":"neutral","sentiment_score":0.07110044235984485},{"text":"I've got you loud and clear, my darling.","start":11.759999,"end":13.62,"sentiment":"neutral","sentiment_score":0.2843143306672573}],"sentiment":"neutral","sentiment_score":0.20905065520976981,"channel":0,"num_words":12,"start":10.8,"end":13.62},{"sentences":[{"text":"Oh my lordy.","start":13.2,"end":14.42,"sentiment":"neutral","sentiment_score":-0.047838994612296425},{"text":"That was fun, wasn't","start":15.1449995,"end":16.445,"sentiment":"neutral","sentiment_score":0.014258655719459057}],"sentiment":"neutral","sentiment_score":-0.012354622994150435,"channel":1,"num_words":7,"start":13.2,"end":16.445},{"sentences":[{"text":"I I could hear that the call was engaged, but there was nothing coming through.","start":17.335,"end":22.475,"sentiment":"neutral","sentiment_score":-0.2069739133119583}],"sentiment":"neutral","sentiment_score":-0.2069739133119583,"channel":0,"num_words":15,"start":17.335,"end":22.475},{"sentences":[{"text":"it?","start":22.265,"end":22.765,"sentiment":"neutral","sentiment_score":-0.1641030311584473},{"text":"It was weird because I answered and then you called again, then I had you on hold on the other line, and then it was and I thought, okay.","start":23.145,"end":29.145,"sentiment":"neutral","sentiment_score":-0.2064359131558188},{"text":"I'll swap it over and then cancel that one and then come back to you.","start":29.145,"end":32.760002,"sentiment":"neutral","sentiment_score":-0.22440046270688374},{"text":"Oh, it's just a nightmare.","start":32.760002,"end":34.3,"sentiment":"negative","sentiment_score":-0.5564033150672912},{"text":"Do","start":37.08,"end":37.32,"sentiment":"neutral","sentiment_score":-0.1525874137878418}],"sentiment":"neutral","sentiment_score":-0.2441442243608774,"channel":1,"num_words":51,"start":22.265,"end":37.32},{"sentences":[{"text":"So,","start":37.27,"end":37.59,"sentiment":"neutral","sentiment_score":-0.1317954063415527}],"sentiment":"neutral","sentiment_score":-0.1317954063415527,"channel":0,"num_words":1,"start":37.27,"end":37.59},{"sentences":[{"text":"you hear me","start":37.32,"end":37.8,"sentiment":"neutral","sentiment_score":-0.09275185813506444}],"sentiment":"neutral","sentiment_score":-0.09275185813506444,"channel":1,"num_words":3,"start":37.32,"end":37.8},{"sentences":[{"text":"Bonnie?","start":37.59,"end":38.09,"sentiment":"neutral","sentiment_score":-0.07482104748487473}],"sentiment":"neutral","sentiment_score":-0.07482104748487473,"channel":0,"num_words":1,"start":37.59,"end":38.09},{"sentences":[{"text":"though?","start":37.8,"end":38.3,"sentiment":"neutral","sentiment_score":-0.09215838462114334}],"sentiment":"neutral","sentiment_score":-0.09215838462114334,"channel":1,"num_words":1,"start":37.8,"end":38.3},{"sentences":[{"text":"I have yes.","start":38.79,"end":39.59,"sentiment":"neutral","sentiment_score":-0.09045127282540004},{"text":"I have definitely 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was with it for over twelve months.","start":57.815002,"end":59.67,"sentiment":"neutral","sentiment_score":-0.07847268460318446},{"text":"So I was off on twelve 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Louisa.","start":719.385,"end":722.20496,"sentiment":"positive","sentiment_score":0.851369833946228}],"sentiment":"positive","sentiment_score":0.8589028716087341,"channel":1,"num_words":8,"start":717.88,"end":722.20496},{"sentences":[{"text":"That's okay, Michelle.","start":721.855,"end":722.915,"sentiment":"positive","sentiment_score":0.6792005896568298},{"text":"Have a good one.","start":722.975,"end":724.035,"sentiment":"positive","sentiment_score":0.7268361896276474}],"sentiment":"positive","sentiment_score":0.706420932497297,"channel":0,"num_words":7,"start":721.855,"end":724.035},{"sentences":[{"text":"Yeah.","start":723.545,"end":724.045,"sentiment":"positive","sentiment_score":0.4996034502983093},{"text":"You too, darling.","start":724.34503,"end":725.145,"sentiment":"positive","sentiment_score":0.6080875794092814},{"text":"Bye 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They suggest a retirement strategy and connect the customer with a mortgage expert. The customer expresses interest in obtaining a house and the agent explains the benefits of insurance protection. The agent will send an email to connect the customer with a specific person and provide them with information about their retirement plans, while also mentioning the customer's investment strategy and potential savings."},"intents":{"segments":[{"text":"and her and I had a really, really good chat about where we could possibly with your position.","start_word":305,"end_word":322,"intents":[{"intent":"Discuss position","confidence_score":0.21001215}]},{"text":"And what we could do, and it's not something that's gonna be turned around in a month. It's not something that's gonna take two months.","start_word":325,"end_word":349,"intents":[{"intent":"Set a plan","confidence_score":0.012665425}]},{"text":"What we would need to do is, basically, I would connect you with my darling girl, Brooke, and Yeah. she would work with like, the three of us would work together.","start_word":415,"end_word":445,"intents":[{"intent":"Connect with brooke","confidence_score":0.6236467}]},{"text":"Going for a mortgage means, you know, obviously, there's bank statements and all those kind of fun things that we have to provide. 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Obviously, you've done that little grab with your superannuation fund within your within your host plus account, you know, you're you're Yeah.","start_word":853,"end_word":893,"intents":[{"intent":"Discuss superannuation funds","confidence_score":0.24329738}]},{"text":"But, you know, Brooke and I would have to obviously have a bit of a retirement strategy put together to present to the brokers. But how comfortable would you be if I get you with Brooke now? Have Yeah.","start_word":935,"end_word":973,"intents":[{"intent":"Discuss retirement strategy","confidence_score":0.5792691}]},{"text":"a look at getting getting some of the doc a meeting with you and start playing with how we can go ahead with getting you a house. Yeah.","start_word":974,"end_word":1001,"intents":[{"intent":"Have doc a meeting with brooke","confidence_score":0.00015366224}]},{"text":"Well, if you're comfortable, what I'll what I'll do I will send an email through to Brooke, basically connect the two of you. I'll cc you in so that way you have her, like, her email address and stuff like that. And she is love she'll reach out to you within the next couple of days.","start_word":1189,"end_word":1244,"intents":[{"intent":"Connect with brooke","confidence_score":0.31948406}]},{"text":"I had a look at your superannuation fund, and I had a look at like, there was some some things I could do to change some of the, like, it like, I could move your money over to another super fund, and I could do some, you know, fancy investment stuff, but it just didn't have the same weight behind it as getting you into a house. And Yeah.","start_word":1346,"end_word":1414,"intents":[{"intent":"Change funds","confidence_score":0.5780281},{"intent":"Do investments","confidence_score":0.099240616}]},{"text":"protect you Yeah.","start_word":1461,"end_word":1463,"intents":[{"intent":"Protect and protect","confidence_score":0.14511554}]},{"text":"you So into that way your own home. yes.","start_word":1528,"end_word":1536,"intents":[{"intent":"Own house","confidence_score":0.12926874},{"intent":"Stay in a house","confidence_score":0.0016133809}]},{"text":"I mean, as you said, you're not paying anyone's rent anymore and you yeah. well. Well, I pay $420 a week right now.","start_word":1569,"end_word":1591,"intents":[{"intent":"Pay rent","confidence_score":0.40165332}]},{"text":"And, you know, because you have that little bit of surplus in your cash flow, you know, you could have that away a little bit heavier, get it paid off quicker, you know, move to payments rather than monthly.","start_word":1630,"end_word":1668,"intents":[{"intent":"Move to payments","confidence_score":0.25184882}]},{"text":"Well, what I'll do is I'm gonna connect you with Brooke, Mhmm.","start_word":1703,"end_word":1714,"intents":[{"intent":"Connect with brooke","confidence_score":0.75715977}]},{"text":"Well, what I'll do is I'm gonna connect you with Brooke, Mhmm. and you'll be in the email, so you'll see everything there. 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Now I had a look at everything from top to bottom and sideways and upside down. I had a chat to one of my brokers as well, Mhmm. Yeah. and her and I had a really, really good chat about where we could possibly with your position. Mhmm. And what we could do, and it's not something that's gonna be turned around in a month. It's not something that's gonna take two months.","start_word":133,"end_word":348,"sentiment":"neutral","sentiment_score":-0.02659901392568524},{"text":"It's probably gonna be a little bit of a six But her and I both actually believe that we may be able to actually get you into Oh, that sounds Yes. very promising.","start_word":349,"end_word":381,"sentiment":"positive","sentiment_score":0.3622832596302033},{"text":"Yes. So in terms of advice, right this second, I don't Yeah. have anything documented on paper because it is a little bit more in-depth than what I can do by myself. Yeah. What we would need to do is, basically, I would connect you with my darling girl, Brooke, and Yeah. she would work with like, the three of us would work together. Going for a mortgage means, you know, obviously, there's bank statements and all those kind of fun things that we have to provide. Yeah. And what that's gonna do is that's going to enable her to start looking at lenders to be able to proceed with a loan. Yeah. Now Yeah. Six months would actually be good because my personal loan to be paid off. I'll be able to pay my credit cards off and yeah. Yeah. Clean that out a little bit and then and start saving a little bit more heavily as well, Yeah. Yeah. Yeah.","start_word":382,"end_word":543,"sentiment":"neutral","sentiment_score":0.16221463680267334},{"text":"which It will sounds be good. like a good plan.","start_word":544,"end_word":553,"sentiment":"positive","sentiment_score":0.48734575510025024},{"text":"Now what I would like to do is probably connect you sooner so we could sort of start she could start getting a feel for where you're at, having a look at you know, starting to look at your finances and starting to put a feel out for some of the lenders and and putting a case together for you. Because that case Yeah. is gonna basically be you know, we're gonna need to use some of your superannuation balance to be able to settle the mortgage at the time you retire. And I know that you're not really at a putting an age on your retirement. But, realistically, because of your age, the lenders Yes. aren't going to go for anything longer than a twenty year mortgage. So, normally, you could get a thirty year term. When we start getting a little bit older, they start bringing that term back. Yeah. And at your age, it's gonna be, like, fifteen, twenty years worth of a term, which Yeah. does mean that on a $500,000 loan, I know you're three fifty four, but I looked Yeah. at some of the housing area, Yeah. and I don't know the, you know, I don't know the Toowoomba area too well. It's been a good or maybe fifteen, twenty years since I've been out that way. So Yeah. I don't The not prices really that are familiar hiking with up the Toowoomba a little bit area. more. Yeah. Yeah. They're No. coming I up. completely Yeah. understand. But Brooke did say that there has been a bit of a stagnation market and that over the next six months, there might be a bit of a drop. So it could also be good timing as well. Yeah. No. It So sounds good, honey. what I wanna do is I had a look at where your superannuation funds now with your Hostplus account. Obviously, you've done that little grab with your superannuation fund within your within your host plus account, you know, you're you're Yeah. pretty much on track to have well over 400,000 by the time 68 comes around. But to be Yeah. able to settle out whatever's left to be your mortgage plus a little bit of a savings account there for you. Yeah. But, you know, Brooke and I would have to obviously have a bit of a retirement strategy put together to present to the brokers. But how comfortable would you be if I get you with Brooke now? Have Yeah. a look at getting getting some of the doc a meeting with you and start playing with how we can go ahead with getting you a house. Yeah.","start_word":554,"end_word":1001,"sentiment":"neutral","sentiment_score":0.0729926766029426},{"text":"Yeah. I'm happy with Yeah. that time because that would be the ultimate goal, and that way I've got a Yeah.","start_word":1002,"end_word":1022,"sentiment":"positive","sentiment_score":0.5277837514877319},{"text":"legacy to leave behind. And I I know know. that I probably would have to go just outside Toowoomba, but I'm happy with that. And my kind of work, like, these people are still 75 years old and still doing disability work. Yeah. So so, Absolutely. you know, The one I question I hope I did to have go as long as my health holds up.","start_word":1023,"end_word":1088,"sentiment":"neutral","sentiment_score":0.1819560080766678},{"text":"I'm happy to go, and I'm young at heart and healthy.","start_word":1089,"end_word":1099,"sentiment":"positive","sentiment_score":0.5806547403335571},{"text":"Yeah.","start_word":1100,"end_word":1100,"sentiment":"neutral","sentiment_score":0.3304005265235901},{"text":"So Absolute and that's exactly what I said to to Brooke. I was like, she's happy to keep on working just as long as everything keeps keeps allowing her to do so.","start_word":1101,"end_word":1132,"sentiment":"positive","sentiment_score":0.5432690978050232},{"text":"I did yeah. wanna ask, have you ever owned a house before, or would this be your first house? I did many, many years ago. Many years Yeah. ago. I thought I thought that So nearly was it. yeah. It was with my ex husband, and we sold that in 2003.","start_word":1133,"end_word":1183,"sentiment":"neutral","sentiment_score":0.02215513028204441},{"text":"Perfect.","start_word":1184,"end_word":1184,"sentiment":"positive","sentiment_score":0.3345457911491394},{"text":"No. That's absolutely okay. Well, if you're comfortable, what I'll what I'll do I will send an email through to Brooke, basically connect the two of you. I'll cc you in so that way you have her, like, her email address and stuff like that.","start_word":1185,"end_word":1229,"sentiment":"neutral","sentiment_score":0.231949582695961},{"text":"And she is love she'll reach out to you within the next couple of days.","start_word":1230,"end_word":1244,"sentiment":"positive","sentiment_score":0.5483839511871338},{"text":"It's obviously Yeah. a public holiday on Monday, and depending on what her schedule looks like, it might be early if she can't call you this week. Yeah. Yeah. But, yeah, I I think that's because just looking at everything and having a look at what you wanted to go, I You keep cutting out, change the darling. investment. Oh, am You keep I? cutting out, sweetheart. What's that? Yeah. So it's I'm sort of What is Storm? getting every second word. Yeah. I'm sorry, my love. There's storms hanging That's around. right, It's Tom. not in shock then. Yeah. I had a look at your superannuation fund, and I had a look at like, there was some some things I could do to change some of the, like, it like, I could move your money over to another super fund, and I could do some, you know, fancy investment stuff, but it just didn't have the same weight behind it as getting you into a house. And Yeah. that's that is the the ultimate goal, and I can see it stay in host plus. The insurance is there as well. So if anything go to bid does happen to you, you've got that income protection sitting there that's gonna give you that benefit. It'll Yeah. protect you Yeah. and keep you And safe that's with still income. sitting there, isn't it? The income protection. Yeah. That is Yeah. Yeah. That's all still sitting there. And it's gonna it's gonna let you let you do everything. You know? It's gonna let us go and buy the house and do what we wanna do on the house front as well. Get you get Yeah. you So into that way your own home. yes.","start_word":1245,"end_word":1536,"sentiment":"neutral","sentiment_score":0.07794289954312861},{"text":"Oh, honey. That would be amazing. That would be at the ultimate.","start_word":1537,"end_word":1548,"sentiment":"positive","sentiment_score":0.6428124904632568},{"text":"And and, you know, and with the market the way it is true to be a good investment as Yeah. I mean, as you said, you're not paying anyone's rent anymore and you yeah. well. Well, I pay $420 a week right now. So, you know, And I said to them, I'm happy to go up to 500 if I needed to move out. But yeah. It's why pay somebody else's off when I could be paying my own off? correct. And, you know, because you have that little bit of surplus in your cash flow, you know, you could have that away a little bit heavier, get it paid off quicker, you know, move to payments rather than monthly. That way you're you're keeping up with what you're used to payment wise Yeah. for for rent, Yeah. No. That and sounds you that you have sounds it good up quicker. down. Yeah. Alright. Well, what I'll do is I'm gonna connect you with Brooke, Mhmm. and you'll be in the email, so you'll see everything there. Is there a best day that you have to for her to call, or do you just want her to At reach the out moment and give you a at call whenever? the moment, I'm just on call with work done, so she can just try Call me. whenever. I'm off tomorrow at this stage, but that could change. Yeah. Alright.","start_word":1549,"end_word":1786,"sentiment":"neutral","sentiment_score":0.07352831294494015},{"text":"Perfect.","start_word":1787,"end_word":1787,"sentiment":"positive","sentiment_score":0.351919949054718},{"text":"I'll let her know that you're a free agent until you're not. That's right. You can try.","start_word":1788,"end_word":1804,"sentiment":"neutral","sentiment_score":0.15375269949436188},{"text":"Perfect.","start_word":1805,"end_word":1805,"sentiment":"positive","sentiment_score":0.34928151965141296},{"text":"No. I love. Well, you'll still be hearing from me in bits and pieces. There's no advice that I can give now until Brooke has a look at everything and she starts getting things under control. And then Yeah. the three of us will just keep convening and touching base Yeah. and I'll just work on once my get work the picks yeah. up again, I wanna work on, you know, getting my savings up again and Yeah. and all of that stuff again because holiday I spent a little bit more than what I should have. But Always. yeah. So I'll definitely definitely work on that. And Yeah. I want to have at least 5,000 to put back into my super so for a tax thing. So I'll be working on that in the next next six weeks.","start_word":1806,"end_word":1944,"sentiment":"neutral","sentiment_score":0.08876442164182663},{"text":"So Perfect.","start_word":1945,"end_word":1946,"sentiment":"positive","sentiment_score":0.3815702795982361},{"text":"No.","start_word":1947,"end_word":1947,"sentiment":"neutral","sentiment_score":0.29408344626426697},{"text":"That's excellent. Good.","start_word":1948,"end_word":1950,"sentiment":"positive","sentiment_score":0.4903706908226013},{"text":"Alright. Well, I will get a email off to Brooke now, Yep. and Perfect.","start_word":1951,"end_word":1964,"sentiment":"neutral","sentiment_score":0.2135668396949768},{"text":"she'll reach out to Sounds wonderful. Thank you so much. you. That's okay. I'm very excited, actually. I can't wait. I'm I'm super excited.","start_word":1965,"end_word":1988,"sentiment":"positive","sentiment_score":0.5708762407302856},{"text":"No guarantees, but we can only but try, can't we? That's it. That's Yes. it.","start_word":1989,"end_word":2003,"sentiment":"neutral","sentiment_score":0.1261644959449768},{"text":"And Okay, beautiful girl.","start_word":2004,"end_word":2007,"sentiment":"positive","sentiment_score":0.5247715711593628},{"text":"so we'll go from there. I'll I'll talk to you in a little bit, but, yeah, just keep me appraised with Brooke, and and we'll just take it a step at a time.","start_word":2008,"end_word":2040,"sentiment":"neutral","sentiment_score":0.2249214333115202},{"text":"Sounds sounds wonderful. Thank you so much, Louisa. That's okay, Michelle. Have a good one. Yeah. You too, darling.","start_word":2041,"end_word":2059,"sentiment":"positive","sentiment_score":0.7270464897155762},{"text":"Bye bye. Bye.","start_word":2060,"end_word":2062,"sentiment":"neutral","sentiment_score":0.2586997449398041}],"average":{"sentiment":"neutral","sentiment_score":0.11268293816211072}}}}