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Is that still a good time there for you? Yeah. All good. How's your morning been thus far? Oh, that's good. That's good. Before we jump into the call, Edgar, I normally do send through some under review documents to you. Are you able to access your emails? If you can't, that's absolutely fine. Just want to double check. Yeah. Fantastic. I'm just gonna press send on this one and send them through to you there. Should come through very, very quickly. Perfect. So in these annual review documents, as they do come through, you will see it's the ongoing service agreement for the next twelve months to continue forward with our services there. We do also have the attachments which will entail the performance report for your hub twenty four super account and also your insurance information for your sum insured for your life and TBD cover, and we've also got your updated balances there. Okay. Beautiful. Hopefully, it comes through fairly quickly for you. Before I jump in and go through it all for you there, Joe, I just need to confirm, are you okay with us recording this call moving forward? Oh, fantastic. Excellent. Excellent. And I'll just do a quick security check there with you as well just to confirm your full name, your date of birth, and address I should have on file. Yep. Next. Yeah. Beautiful. Thank you so much. Is it nice and warm down there at the moment? Oh, wow. In bit different. Yeah. I have. Yeah. Yeah. Wow. Yeah. Yeah. Absolutely. No. All good. Now we'll go through and have a bit of a chat about your super, your insurances, and how everything's going goal wise for you. But is there anything else that you wanted me to sort of touch on this part of your annual review? Anything else specific that you wanted me to to ask me or have me chat about? Yeah. Yes. Yeah. Absolutely. That's okay. So when it comes to property advice, if you're just looking to find out whether you're able to purchase another investment or not, you'd be best to speak to a mortgage broker just because that would entail your servicing. Did you want me to maybe refer you through to one of our mortgage brokers to assess your servicing and borrowing capacity for that purchase? Yeah. Yeah. Absolutely. That that may have been a couple of years ago. We do since have a different mortgage broker, so you may have spoken to Grant back in the day. Nowadays yeah. Nowadays, I have a different mortgage broker that I refer you to because Grant has unfortunately retired. He's done his life of working, and he's off to enjoy his retirement years. Yeah. So we do have a new mortgage broker, and I'll refer you to the Fabian. So Fabian is a great mortgage broker, has been around for a very long time, and he runs and owns this business himself. And he will I'll do an introductory email to you and to Fabian, and he'll be able to touch base in the next couple of days and and look at your servicing capacity, look at what you're able to borrow in regards to an investment property, and, obviously, look helping you in that way. Is that okay? Yeah. Beautiful. All good. Excellent. That way, it's nice and easy. When it comes down to financial advice and looking at investment properties, because we don't have a credit license, we can't really help out with the loan aspect. But down the track, depending on what you're looking at, financial advice does come into essentially a really good aspect of your retirement plan. So whether you're wanting to keep those properties long term and supplement your super in retirement or whether you're just gonna hold them for the next sort of ten years and possibly sell them off, cement the gain, and then maybe, you know, look at what other moving the money into other areas of investment for a time and aspects. So that's where financial advice kinda comes into play. But just getting the property and doing your servicing and borrowing, that's where a mortgage broker is gonna be a lot more valuable to you. Okay? Fantastic. Excellent. And just while we are talking about the the property side of things, what is your goal with having those investment properties? Are you wanting to kinda keep them through retirement as an income stream, or do you think you'll plan on selling them off? What is your goal moving forward with those? Yep. Yeah. Yeah. Perfect. Yeah. No. That's okay. Well, it's definitely something to think about down the track, and I'll make sure that I touch base with you and sort of keep up to date with that because we definitely can factor that into your advice down the track. But, yeah, just have a think about what you want to happen out of the I know with the kids being so young, it's it's my kids are probably the same boat. It's gonna be difficult for them to buy property without our our assistance in the future, isn't it? Crazy. Yeah. No. Yeah. You've got four kids total, don't you? Yeah. Yeah. Yeah. Yeah. No. Fantastic. Excellent. Excellent. Well, I'll jump in and have a little bit of a look at your super. So just to sort of touch base with the email that you've got there, when you press the sign button, it takes you through to sign the ongoing service agreement. But with the you're a legend. Because you've already signed that one, I'll just take you through the updated balances. So last time we did an annual review, your balance then was about 249,625. Your balance in your super now is at 320 sorry. 328,719 and 54¢. So you have seen some really good growth in your super. When we look at it over the last twelve months, we've seen an increase of 5.57% net of fees. As a dollar figure, that's showing earnings and growth within the fund of over 21,889 for the last twelve months. So it is really good growth and a good return. Admittedly, given kind of where you're at, it is a little bit lower than what we kind of of would have expected out of your sort of portfolio. That has had a little bit to do with what's been happening in the world generally between, you know, the America and and Iran with that war this year. And then, yeah, and then here in Australia, we've also had very high inflationary rates, and high inflation tends to have an effect on fixed income and bonds and things like that as well. So it has been definitely a very up and down sort of year. The benefit is that you're not able to access super yet. You're still very young and have a lot of working life ahead of you. So you're able to wither through those downtime, and sort of see the advantages as your contributions keep going in and being invested into your super fund there. But, we'll get all in all to come up with a positive return of 5.57 net of fees, and it still made you over 21,000 for the year, which is a positive thing. Okay. Excellent. Excellent. Now I can also see that you are salary sacrificing a little bit there as well. Yeah. Yeah. Perfect. Are you wanting to look at maybe salary sacrificing more into super as well, or you just are happy with what you're doing and wanting to focus on getting properties out and building wealth outside of super? Putting more money in the super. Yeah. No. So at the moment, the maximum concessionally, so that's employer contributions as well as additional life salary sacrifice or deductible contributions, this financial year is thirty two thousand five hundred. Yeah. Absolutely. Let me go have a look there for you. I just logged in to Hub 24 just to pop in there and have a look. Sorry. Won't be a second. Okay. Search. So last financial year, you put 32,222. So you were just over the cap for the last year. Yeah. So what I'd be looking at doing is double checking. It looks like from the 2324 financial year, you only put 4882 into hub '24. We'd have to check whether any what kind of contributions were going into your previous year. But if you because of the the '20 last financial year and the financial year before that, the one ending in 2025, it looks like those two years, you exceeded your cap in both the years. As long as yeah. So as long as you have some carry forward contributions from, say, the last five years, the carry forward is any unused concessional cap from the last or previous five years. Looking at your balance, you're within range to be allowed to access those sorts of things. Your balance has to be under 5,000 100,000 as that June 30 of financial year prior. So long as you've got some carry forward left over from the last previous five financial years, that should offset the extra that you've put into the super fund. However, it just depends on what you have there. You can check your myGov account, and it will determine whether you have any leftover cap space from the previous five financial years. If you haven't, because last year you exceeded the cap, they essentially do make you pay extra tax for that. So they use the highest marginal tax rate with a 15% offset, and that all gets done as part of your tax return. So you if you've got a chance to check your MyGov account, just have a look to see whether you've got some carry forward concessional contributions available to you. If you do, it shouldn't be a problem. I can't I can't get into your myGov account, unfortunately. I can send yes. Yeah. Oh, absolutely. Yeah. Definitely. Sorry. Absolutely. So when you're in your MyGov account there, you should be able to go to your linked services and click on the ATO. Yeah. That's okay. Yep. The ATO. Yep. That's okay. So from services, you click on the one that says ATO. And then from there, when it loads mine's still loading. I always do this with you because it's easier to go through. And then you go to your menu at yeah. The menu at the very top one that opens, and let me know when that is. Yep. And then go press on the super and then information. And then you've got an option that says carry forward concessional contributions. Yep. Now beautiful. So then I'm gonna after if you scroll down a little bit, you'll see it says unused concessional contributions available to carry forward. Yeah? You should have a balance in there, and it should tell you in a green box if you're eligible or not. Mhmm. Okay. So that's telling you how much you have carried forward from the last five years that you're able to contribute into super over and above the current contributions cap. So you've just gotta be really careful that if you do exceed the cap that you have this amount or these sorts of funds eligible to you. Once your super balance hit, say, as an example, if as 06/30/2027, your super balance goes over that $500,000 mark, then the following financial year, you won't be eligible to use these carry forward contributions. So it's just important when you are adding extra money to super that you are just making sure you stay under the cap. If you think you're gonna go over the cap, then just making sure you have carry forward concessional contributions eligible to you. What I'm gonna do moving forward as well is I'm gonna make sure we do a catch up every sort of six months. That way, I can check your contributions for you. And if I think you're getting close to the cap, we can just go back in and double check the eligible amount for you. Is that okay? Yeah. Well, you can't can't take the money out of sleep anymore. It's already in there. So currently, we just have to wait for you to do your tax return. When you do your tax return, they will it it'll show eligibility, and, essentially, the ATO does it automatically. So what happens is when your contributions at the end of the year get reported to the ATO, they report exactly. So they'll say you've made that 32,800 of contributions. The ATO then go, well, your cap last year was 30,000. However, that $2.08 that 2,800, if you had carry forward, and they'll go back to check that you had eligible carry forward amounts, and they'll subtract that from the the earliest financial year available to you. So you don't have to do anything. Just do your tax return as normal moving forward. And you if you're fine to keep your contributions going the way you want to if you like, I would just be wanting to make sure we catch up with you every six months and double check how your contributions are going. If you are close to the cap, we might have to stop those extra going in. K? Yeah. 100 per week. Yep. Yep. All good. And your income, I've got you down on about 215,800 per annum. Is that about right, income wise? Okay. So you're on 250,000. The other thing to be mindful is if your your employer your wage plus your super contributions exceeds that $250,000 on a yearly basis, you're also then expected to pay an additional tax. So inside super, you pay 15% tax on contributions that are to put in there. If your, gross income and your income earned from your employer plus your super contributions exceeds that 250,000, any exceeds that 250,000. Any super contributions and income over that $250,000 is actually taxed at a at an extra 15%. So just double check with your accountant when you do your tax return what your income looks like and whether this year you might be having to pay that additional tax. Okay? If they do yeah. If that if that does come through and you do have to pay that additional tax, it's on income and contributions over the 250,000. So I don't know whether you'll have to pay it on currently or not. Just check with your account, and they'll be able to confirm what that looks like. If you do get a letter from the ATO stating that you do have to pay that additional taxes, $2.09 3 tax, you can elect to have it deducted out of your super funds. So it's not money you'll have to pay out of pocket if you don't wish to. You can elect on the form just to have it deducted from super. The ATO will then have that extra funds deducted from your super fund for you. It's just a matter of the money obviously comes out of super, is paid to the ATO, and that money is no longer invested for your future. So as long as you're aware that you're comfortable with that, you do are able to elect it that way. But I would probably suggest go and speak to your accountant, do your tax return, have them look at all your income and everything, and find out whether that's if two nine three tax is gonna be applicable. And then, you know, have a look at whether your contributions for this next year are gonna exceed the cap. Just making sure that we're not gonna go over that in any way. Okay? Does that make sense? Yeah. There's a lot too. It is a great thing to earn more money. Yeah. Yeah. And we'll just double check things. So with your income yeah. Six months. Absolutely. So with your income, do you feel, like, this year, you should go over that 250,000? Do you think like, what is your actual base income? You you reckon you'll go over that $250,000? Yep. Okay. So I'm just having a look at contributions. Now your employer, did they just pay normal 12% contributions? Do you get anything like, paid anything additional on top of that aside from the salary sacrifice? So your employer, they're only paying that 12%. You're not paying you, like, 15% employment contributions or anything fun? Yep. Yep. Yep. That's absolutely fine. So if I sort of look at this, $100 per week salary sacrifice at the moment. Based on an income of 250,000 with 12% employer contributions plus a $100 per week in employer contributions, the expected total contributions for this financial year would be 35,200. So that does put you over the cap. Yeah. Based on 250,000, if you were to maximize the salary sacrifice, it's basically telling me that you realistically couldn't put more than $48.08 on a weekly basis into super. So you've got the option. You can reduce yeah. So you can look to reduce your salary sacrifice back a little bit to try and keep you under the cap. There is another way of doing it. If you wanted to look at reducing that salary sacrifice back or even stop it for the time then you could, that extra bit of money you could always put away into a savings account, and you can do a lump sum deductible contribution at the end of the financial year as well. And that deductible contribution works as a bit of a tax deduction for you. So that's another option to sort of look at. Maybe have a chat to your accountant about the salary sacrifice and the deductible contribution, see if they can kind of model your tax return for the next financial year based on everything you've given them, and just sort of see what they say about, you know, which way might be better tax wise for you. Okay. Yeah. So the total div $2.09 3 expectation based on your if we go on $100 per week, the s and this is just an estimate. It could be actual could be absolutely different. But the expected div two nine three tax on with your current $2.50 of income plus the $100 per week of salary sacrifice and your employer contributions, from what I can see, they're estimating the DIV two nine three tax at the end of the year to be about $4,000 that you would have to pay extra tax off. Yeah. Yeah. We could have it back. Just keep it down to the the cap. At the end of the financial year, we could have a look at what you've got available to your carry forward contributions, look at whether you have any additional money there, and look at making a one off deductible contribution But, yeah, from what I can see, looking at things, the maximum salary sacrifice to keep you under the cap would be about $48 per week. That's based on your income. Yeah. Yeah. Yeah. Beautiful. It's a good thing. Look. You're earning a lot of extra money, and that's fantastic, but it does come with extra tax as well. So just making sure that we you don't wanna pay more than your fair share. Yeah. Absolutely. No. Definitely. But do have a chat to your accountant where you do tax return and ask them about the DIV two nine three tax, and they'll be able to let you know whether you have to pay that based on the last year or not. Okay? We do have if you would like us to refer you through to one, absolutely. Did you want us to refer you through to an accountant for the accountant services are completely separate. They will charge you for your personal tax return separately. However, when you get an accountant to do your tax return, they do the amount you pay for the next financial year is tax deductible for you. Yeah. Yeah. Yes. Beautiful. Beautiful. Well, let me know if you do happen to have any questions there. If you want, I could always send you a bit of an email after the call, just a bit of a recap on things that you could definitely ask them to check for you. Okay? Yep. Fantastic. Easy. So, look, it's really good to see your sleep is growing definitely. Obviously, income's going really nicely as well. You've got your contribution, your extra salary sacrifice at a $100 per week, and you are gonna look to reduce that for this year as well, aren't you? '40 five? Yeah. Yeah. Absolutely. Absolutely. And I'll make sure that we do catch ups with you, each six months so I can check what your contributions are going in. I'll put that in my calendar so my team will give you a call, in six months ago. Hey. Time for a bit of a catch up there, Joe. Let's see how your contributions are going, and we can just make sure that you you this is all going in quite well and that you're not so far exceeding the cap. Okay? Excellent. Beautiful. The other thing to sort of look at is your insurances. So you do have your towel policy with your life and TBD. In the event of passing away, your life cover, your sum insured, 750,000, and then, obviously, you've got your super paid out on top of that, which is the $3.28. So if I just sort of work it out together and it just sort of shows if in the event you would have passed away now, your beneficiaries are eligible for the sum insured of a million and 78. Do you feel that's fairly appropriate for the life cover? Did you wanna look at reviewing that at all? It's up to you. Yeah. It depends on what you wanna have covered. Like, thinking about your scenario now, if you would have passed away now, where would that million dollars go to, and what would you want them to cover with that? Absolutely. Yeah. Well, with with the two perfect. With the two investment properties you've got there, the first one I'm sorry. I don't have suburbs written down. The first one I had here was valued at 700,000. Do you know which property you would value at roughly that? $9.50. And what suburb is that property in? Butler, WA. Beautiful. Just so I can tell them apart for you. Excellent. And the mortgage on that property was about 380,000. Has that kind of reduced, or is that in in interest only? Yep. Okay. That's the second one I would have here. Yeah. I have a secondary one. The value of the secondary property was at 550,000. Would that have been the one that you took the funds out for? Yep. Oh, beautiful. And what suburb is that one in? South Pleasant. Beautiful. Yep. Beautiful. 340,000. Fantastic. And the income was are these properties positive or negatively geared? Yep. You're right. 37 per month. Beautiful. $15.37 per fortnight. Fantastic. That's okay. Beautiful. Yep. So 1,400 per week rent for that property. And how much was the loan, I'm so sorry, that you're paying back per fortnight? Yes. Perfect. Twelve twelve per The other one's negative. Yeah. Yeah. Yeah. Definitely. Okay. Perfect. So this one the second one is a 100% under your wife's name, and the first one was under your name. The one in Butler's under your name. Oh, fifty fifty. Beautiful. 50% owned. Fantastic. Excellent. And wanting to get one more property there as well. And I'll do the referral through to the mortgage broker. Essentially, in order to refer you through there, I'll just need to be able to provide them with your name, your phone number, possibly an email, and a time that they can give you a call. When generally best suits the mortgage where they give you a call and have a chat about servicing? Is there a day and time that suits you better, Jo? Anytime? Yep. Beautiful. Fantastic. So with your life cover, you're fairly happy with the $7.50 sum insured plus your super benefit. With TBD, you have the same level of cover. So in the event that you were totally permanently disabled, not able to get back to work again, the sum insured 750,000, we can again claim permanent incapacity against your super. Are you fairly comfortable with that? Did you wanna look at maybe increasing or altering that cover for TBD, or do you have any questions about how TB, total permanent disability, works? Yep. Yeah. Yes. So for your life and TPD at the moment, the the total paid from was $2,283.83 this year. So these policies do get more and more expensive as you get older. It does mean that more money is deducted from your super for the premium. So if you did wanna increase that, it absolutely does increase the cost of the level of cover. However, it's just making sure that you have the level of protection that meets your goal as well. Yeah. I can jump in I'll see if I can get into the portal and have a look for you. Worst case, I could always get an updated quote and email it through to you afterwards. But let me see if I can jump in because giving you a live quote would be easier on your self. That's okay. And just while this is, like, logging in there, Joe, as well, now you don't have any, like, income protection or anything like that. In the event that you were unable to go to work, I know you've got your investment property income and things, but are you fairly comfortable knowing you wouldn't have any income protection to fall back on? You would have to, you know, rely on savings, you know, your wife's income if she works, you know, any income from the investment properties that support you. So income protection pays out a monthly benefit in the event that you're unable to go to work in the short term. So as an example, say, you were sick. Yeah. You don't have any income protection to fall back on. It's something you didn't wanna look at in the past, but just wanting to sort of work out. Are you still comfortable with that? Are you wanting to look at income protection now? I can give you update if you like. Have a look at that for you. Let's do a quote. Sorry. I'm still just logging in to the portal. Won't be a second. It's just gonna do two factor authentications. Okay. So I've got your policy here. I'm just gonna pop in and do a quick live quote for you. New quote. Okay. So you said you wanted to look at, as an example, increasing your life and TBD to a million dollars? Correct. Yeah. And with life and TBD, your super balance is also paid out. We can claim against your super when you pass away, and that gets paid to your beneficiaries. So with the 750 of life plus your current super balance, that gives you a million and 78 of life cover. With CBD, it gives you the same level. But if you were to claim CBD, unfortunately, it is a taxable payment. So if you claimed CBD and had the full million and 78 paid out as a lump sum, the government does tax it. It's up to 22%. So based on that, the estimated tax on a million and 78 would be 237 thousand. That that would leave yes. So, I mean, realistically, if you were to claim TBD, we would provide advice on, you know, how best to use the funds. That way we can limit the tax if possible, and also, you know, keep money invested as whole years. But, yeah, if you were to look at so I'm just sort of looking at the increase. Increase. A million. It doesn't like my inputting information. So a million dollars of life and TBD. And then did you want me to quote giving you income protection as well? Yes? Beautiful. So based on income of, say, 250,000, would that be right, the income protection? Yep. Perfect. Okay. So the $2.50. We can increase that by And adding new transaction. Alright. So income protection based on 250,000 gives us a monthly benefit of $14,005.83. So adding that, with income protection, do you think you'd wanna have the lowest waiting period? So that's the time that you would have to be off work in order to make a claim. So you'd have to be off work and unable to work for, say, thirty days, sixty days, or ninety days. What sort of waiting period do you think you'd want? The longer it takes. Yeah. But the longer it does take to get the payment to get the claim. Yep. So sixty days would be preferable. Let's see what they offer. Beautiful. Excellent. And they have a benefit period as well, which is how long you can be on a claim for. Benefit periods are two years, five years, or up to age 65. The longer the benefit period, the more expensive the premiums are gonna be. Do you think you would realistically just need, you know, a, you know, a a two year benefit period, or do you would would you wanna go a bit longer? What do you think would be appropriate? Yeah. So you reckon two years or five years? Yeah. So it's like if you had a car accident and broke your back and you couldn't go back to work and you were on an income protection claim, you can be on a claim for up to two years. At that two year mark, if you still can't go back to work, the claim stops regardless. Yeah. Two years would be fine? Beautiful. Alright. So it's estimating the yearly premium to be about $8,900 to to add income protection and increase your life and TPD to a million dollars. That's that's included in the 8,982. It's estimating the total premium for income protection as well as the increase. If you just kept your life and TPD as it was and did not increase it, but you did take out the income protection, I'm just deleting those from the quote. The income protection alone. Sorry. It's just loading. Won't be a second. The income protection alone is, again, about $8,000. It's pretty expensive, the income protection component for you. Yeah. That's okay. You're happy just with the cover you have now, just leaving it as is for the time being? Yep. The the life insurance and TBD. Mhmm. Let's have a look. I'll just delete this TBD off here. Two seconds. It's gonna go back into it just because it's a a little bit loading. So if we just look at increasing the life of TBD, that's your current life, current GST. And three. Yay. You're fine. You're absolutely fine. Okay. So if you just look to increase the life in TPD, the extra premium I'll just have to add this up because it's kind of subtracted it all back. Okay. $4.00 2. It's bringing the total premium for the discount to about 3,500 per year. Yeah. Right now, you paid 2,283, which does increase. But with the level of cover you have at the moment, you've got your life and TBD with the sum insured of 750,000. And then with your current super balance, that does push you over that thousand dollar, dollar sorry, million dollar mark of some insured. Yeah. Your super balance is added on. Yeah. Yeah. Correct. Yeah. No. No. So that's you don't pay the the extra tax on your on the life cover or your super balance. That's paid out to your beneficiary if you would have passed away. But if you, yeah, were t p d and you took, say, the $1,300,000 out as a lump sum, and once you claimed on that, then absolutely there is up to 22% tax on that lump sum payout. If we leave it in there, yeah, if we leave it in there and draw it out in smaller regular increments in the way of a disability benefit, that can sort of reduce the the tax side of things a little bit. It also keeps money invested, so it lasts you longer as well. So if you were to be TBD, we would provide the advice to help you along with that. It's also important to note that with these power policies, they do go through a renewal every year. So every year, the policy does increase a little bit. So if you think back to your last annual review Oh. It says here it was the same amount, so yours doesn't seem increase much. They normally increase along with indexation, but it looks like yours stays exactly the same. But these policies do get more and more expensive as you get older. So you'll pay 2 thousand 200 now for the premium in, say, another 3 or 4 years, you could be paying over 3,000 dollars for the same yeah. Because it does get more expensive. That's correct. Yeah. But you don't want it to sort of eat away your super. So you wanna make sure your super is growing and that you're getting the returns to cover the insurance premiums, but also provide, you know, a bit more growth for longevity as well. Because a lot of people, when they get into their, you know, fifties, their insurance premiums can be anywhere between 15 to $20,000 a year. So at that age, those insurance premiums get very expensive. Yeah. It's up to you. It's absolutely up you. Do you want me to send it is. It is. Yeah. I'll send you a recap email after the call if you like. That way, you can have a think about what it is that you're after. There is obviously a risk involved that if you do increase your insurance policy, you'll to go back to an application for the increased amount. So if there are any changes to your health, if you've had, you know, back pain or any other issues, since we put that first policy into force, there could be explosions or loadings that make the policy more expensive than expected. So it is about going through a new application as well. But if it's something that meets your goal that you're actually wanting to do, we can definitely look at helping you out in doing that for you. That's okay. Okay. If you like, I'll put a little recap in the email there for you. That way, you can mull it over. And if you decide you wanna go ahead and look at increasing it, just let me know, and we can talk about that in more detail. How does that sound? Yep. Beautiful. All good. Now the only other type of insurance I have to go through with you is called trauma. You don't have any trauma. So trauma pays out a lump sum benefit in the event that you're diagnosed or have, say, a heart attack, cancer, Parkinson's, other neurological disorders like MS. It's major traumatic diagnosis thing. You have to pay trauma out of your back pocket, so not everyone wants to. And you can also get child trauma policies to cover your kids in the event of them getting, you know, diagnoses like cancer. Did you wanna look at getting any additional cover for trauma or child trauma out of your back pocket, or you're happy just to leave this as it is for the moment? Yep. Beautiful. What I'll do, Jo, because we did go through a lot with the insurance, there's a lot a lot kinda covered. I'll add a little recap into the email for you just so you can take that back. Have a bit of a look at what we've gone through the things we've discussed. And if you have additional questions or wanna come back and revisit any of it, you can let me know. Okay? Beautiful. Combias insurances are very complex, aren't they? Yeah. That's okay. Now with your super, I can see having a look at your investments, there's one that is underperforming a little bit at the moment. We have a couple of options. I can look to go back and do some advice and maybe review your super and the the way it's invested, maybe look at a newer portfolio that might be cheaper, better for you, you know, working harder towards your goals, or we can just hold it off for six months and reevaluate it then. What would you like to do? Get rid of it? Yeah. Absolutely. I've got some other options that I can look at. I just wanna run through a real quick risk profile with you just to sorta gauge whether your risk tolerance has changed at all. The first one here is just looking at do you you do you have any shares of cryptocurrency or anything in your own name? Have you ever invested in any shares before? No. Absolutely. Beautiful. With your goal age for accessing super, I know originally we were sort of looking at between, sorry, I believe 60 to 65 mark. Are you sort of wanting to keep at the same age, or are you feeling you'd like to try and access super at the earliest possible possible opportunity? 60 if you retire? Yeah. Yep. Absolutely. Now the next question here is about how you feel about risk. So when you think about your super, do you feel comfortable taking on a higher level of risk to try and get greater returns to make your super work harder? Do you feel like you're comfortable taking on a moderate or medium amount of risk to get the best returns you can, or are you concerned about the ups and downs in the market and not wanting to take on any risk and understand the returns are lower because of that? Yeah. Yeah. Yeah. Do you think you'd be in between one and two? Yep. Beautiful. Excellent. The next one here, it says, if you saw your super full by, say, 20% in the next six to twelve months, how do you think you might be feeling? This is due to extra market factors. Yes. If the O chart was still tweeting and we still had this war going in the next twelve months and the market took a bigger dip because of what was going on globally, do you think you'd be feeling concerned? And if you wanted to call us see what's happening, see what we can do to sort of help you out, would you be a bit scared wanting to take money out, or do you think it's a buying opportunity? You're not retiring for the next ten to twenty years, and you might wanna put some money in and take advantage of it. Yeah. Yeah. Mhmm. Yep. Yeah. That's okay. Not a problem at all. The next one here is asking, have you ever considered borrowing from a bank or financial institution in order to invest in, say, shares or manage funds, or do you feel like that's a bit too risky? You're just comfortable borrowing to invest in property? Yep. Yep. What was the main main reason for wanting to look into that? Yeah. So the biggest thing I should probably let you know is the rules have now changed the self managed super funds. So, yeah, they no longer allow you to borrow for, like, the type of loans that they have inside those trust accounts. It's called a limited recourse borrowing scheme or arrangement. We can't do that for residential properties anymore as of the August 10, which basically means two weeks. Yeah. So the only real way to be able to do that is to either have all the funds, enough money to go in and buy a residential property outright, or utilizing that borrowing scheme for commercial property. Commercial property does definitely have its own level of risks, and commercial property can be rented for long periods of time. So there are a lot of different changes that have come into play here. So it does limit a lot of people's, you know, once around borrowing inside of self managed super fund. And I can sort of understand where it came from because there has been a lot of interest around self managed super funds and putting money into property in that way. But a lot of people with lower balances have also been doing it. They don't find they get a lot of additional growth or someone in their forties like you and I who wants to, you know, buy a property. We don't really wanna have to work for the next thirty odd years. We hope to retire at 60. But, you know, having a thirty year loan means we might have to work till 70 if we can't pay it down quicker. So, there is a lot of risk involved with doing something like that. It is still a possibility. It's just the type of property and the type of borrowing capacity within those super funds is no longer available for residential. Down the track, if you end up with we get you a million dollars in super and you wanna sort of transition in and buy a property outright, absolutely fine. We can help you with that if it's appropriate to your goals. But the benefit to having the way your super is at the moment is that you can hold listed assets, listed property, and still be growing your super and keep it in this sort of environment. It's not an industry fund. It's a little bit more, you know, more of a a retail fund, but you get access to investments to be able to grow and alter your super and keep it working harder for you in the you know? So there are some good benefits to the way your super is structured now as well. Yeah. All good. Beautiful. Now with that risk profile questionnaire, you have essentially scored and you are in a growth portfolio at the moment. So it sees about 80% in those growth in assets. So think about things like Australian shares, international shares, listed property, and also commodities like gold and silver, and then a small component about 20% in low risk defensive investments, things like cash, bonds, and fixed interest. For your age and stage, this generally suits where you are. That growth environment suits someone who has at least six years before accessing their funds. It also generally is expected to see a negative return, say, one in about every five odd years, and you're looking to try and obtain a return of around seven to 9% compound on a yearly basis there. Do you feel like that kind of level of exposure and environment is still comfortable for you? Did you have more questions about that? Yeah. It it does definitely suit where you're at, what's happening. You've got a lot of yeah. It is growing and working and compounding, which is what we wanna see. I mean, when you sort of look at where your balance was in the last review to now, you've definitely had a really good return. And the fact that even with the ups and downs this year, we've still come out with a 5% return net of fees. It has worked really well. And you can absolutely state that environment. But are you comfortable with that? Did you have questions around it? Yep. Beautiful. If you ever find you're not, you can always let me know, and we can always delve deeper into it. Okay? Excellent. Perfect. Now just updating the last things in your risk in your fax line here as well. Have you ever had a will and power of attorney done up? Is it something you and your wife have spoken about doing? Oh, that's that's terrible. Yeah. It is definitely worth doing. Might, yeah, might be worth, chatting to that account and to that, sorry, solicitor again and going, hey. Where's my will? Let's get this sorted. Definitely have a chat to your wife, talk about what you want, what your goals are, because it is definitely worthwhile having a will in place. Okay? Yeah. And power of attorney as well is really important to make sure in the event that you can't make decisions on your behalf that the person you appoint to do that knows exactly what you want to happen in those instances. Okay? Excellent. With the I'll after the call, I'll do a little recap for you so we can go through it'll basically outline things that we have sort of gone through today to make it easier on you. And, also, I'll do update referral through to the mortgage broker for you as well. So he'll contact you and have a bit of a chat about your borrowing capacity and what you're able to borrow. You have the two investment properties that you're currently renting where you live at the moment. Is that right? Yes. Yeah. And how much are you paying for that on a regular a weekly basis? Is it all at the moment? Okay. 3 40 3 per fortnight. Yeah. Beautiful. Through that. Beautiful. And is there any other assets that you need to maybe note down? Anything else of value? Any other cars, boats, caravans, tools of trade? 40,000? Yes. Fantastic. And is it owned outright? Fantastic. And your car as well? What kind of car do you drive? Oh, Fantastic. 300 series. I had a value of 30,000 on that last year. Would you change or alter that value? Okay. Fantastic. Do you guys have a secondary vehicle as well? This one. Beautiful. Oh, fantastic. And the Land Cruiser, do you own that outright, or do you have a loan on that vehicle? No. Okay. Three years left. And how much do you pay for that out of your income on a regular basis? Yep. Yeah. You're alright. That's okay. Perfect. Yep. $37.45 $4.09. Beautiful. Thank you for updating that for me. Excellent. And the only other thing to confirm is your beneficiaries on your super and your life insurance. We have it noted here. A 100% of the benefits be paid to, that's your spouse. You're happy with the way that is structured? Yes. Beautiful. Excellent. And the last thing here is, are you putting much in the way of savings away out of your income on a weekly or fortnightly basis, or are you finding everything's kinda going into your loans? Nothing? No. That's okay. That's all good. And I've asked you the same question. No. All good. That's good. Oh, hopefully, you can start. Do you know kinda what you'd like to be out of putting away on a, say, a weekly or fortnightly basis as dedicated savings? Has she sort of spoken to you about what she'd like to see? Okay. Yeah. Perfect. Perfect. Yeah. Absolutely. Well, I mean, have a chat to the mortgage broker about your borrowing capacity there. If you did then wanna look at, you know, extra advice around cash on budgeting and things like that, we do charge an out of pocket cost for the personal advice there. But I can always just send you a budget planner and have general conversations around you with ways to be able to save, and that is complimentary to you as part of your current services. So, you know, if you want extra services like that and help, let me know. I'll always go through and talk to you about it, what we, you know, what does or doesn't cost, and what we can do for free to help you along. Okay? Absolutely. Absolutely. Not a problem at all. Yeah. Absolutely. Most definitely. And do you have any other goals that you were looking to sort of obtain? I had back here in 2024, you were looking to get married. Did you you obviously went ahead and got married? Oh, congratulations. Excellent. Oh, did you do something nice to your one year anniversary? Yep. Yeah. Nice. Honestly, dinner's just as good. Dinner's nice. Yeah. Excellent. And I also had down here that you're down the track you're looking to buy your forever home. Is that something you're still looking to do down the track? Okay. Yep. Okay. Beautiful. Yep. Absolutely. Fantastic. Is there any other goals that you might have in the next, you know, one, two, five, or ten years that you might wanna note down as well? Yep. Build that property portfolio. Fantastic. Excellent. And you're thinking about handing the properties over to your kids in the future as well, sort of building that for them to inherit? Yep. The generational wealth. I love that. Fantastic. Beautiful. Well, that's basically everything I needed from you. Obviously, you do pay the ongoing service fee. You have signed that document, so thank you so much for doing that. The ongoing service fee is 1.65% per annum. That is deducted in smaller inside of your super there. So it does continue for the next twelve months. I'll do a little recap with what we've gone through. We've touched on a lot of areas, a lot of different things. I'll go through and do a bit of a recap email for you with what we've gone over, the areas we've discussed, what we're looking at now. I'll go back and also just review your super investments and do a little an investment switch advice document for you, which we'll have in a few weeks. I'll limit that to just the investment switch for you. And anything additional you need advice on, you can always let me know. We can come back and reevaluate. Is that okay? Are you comfortable with that? Yep. Beautiful. Look. I've taken up so much of your time, Jo, but I thank you so much for that. Have you got any questions for me that's come out of any of this, or is there anything that I may have not touched on that you wanted to maybe bring up with me as well? On your insurances? Let me have a quick. Yeah. That's okay. Let's have a bit of a look. So as long as the application, when it was submitted, was correct, it's fine. They sort of don't mind if you weren't smoking then and you've taken it up now. That's fine. We don't have to go back and disclose that at all. But if you were smoking back then and didn't disclose it, that becomes a bit of a question. Yeah. I'm Okay. Yeah. That's yeah. Of course. So just socially smoking. So I'll just double check what I've got here for you. Yes. So you are down as being a social smoker. Yep. Yeah. All good. Fantastic. Was there any other questions or anything else that you wanted to ask me while you've got me here, Jo? No. That's okay. It's a lot, and I'm so sorry about that. Yeah. Uh-oh. Fantastic. Yeah. Yeah. Excellent. And I'll send through the introduction to the mortgage broker there as well. So it's an email to yourself and the mortgage broker, and then he contacts you to organize a time to touch base and have a chat about what you're after, what your borrowing capacity is, and look at everything. And then he'll go from there. Mortgage breaker services are completely complimentary because they are paid by the banks they write the loans for. So that that'll be nice and free for you. Okay? That's okay. Easy, Joe. I'll let you go. You have an amazing day, and let me know if there's anything that comes up. I'll get those emails out to you shortly. Thanks. 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It's Zena from OKIE Financial. How are you this morning? I'm very well. Thanks so much.\n\nI had you booked in to go through you, and you reviewed you this morning. Is that still a good time there for you? Yeah. All good. How's your morning been thus far?\n\nOh, that's good. That's good. Before we jump into the call, Edgar, I normally do send through some under review documents to you. Are you able to access your emails? If you can't, that's absolutely fine.\n\nJust want to double check. Yeah. Fantastic. I'm just gonna press send on this one and send them through to you there. Should come through very, very quickly.\n\nPerfect. So in these annual review documents, as they do come through, you will see it's the ongoing service agreement for the next twelve months to continue forward with our services there. We do also have the attachments which will entail the performance report for your hub twenty four super account and also your insurance information for your sum insured for your life and TBD cover, and we've also got your updated balances there. Okay. Beautiful.\n\nHopefully, it comes through fairly quickly for you. Before I jump in and go through it all for you there, Joe, I just need to confirm, are you okay with us recording this call moving forward? Oh, fantastic. Excellent. Excellent.\n\nAnd I'll just do a quick security check there with you as well just to confirm your full name, your date of birth, and address I should have on file. Yep. Next. Yeah. Beautiful.\n\nThank you so much. Is it nice and warm down there at the moment? Oh, wow. In bit different. Yeah.\n\nI have. Yeah. Yeah. Wow. Yeah.\n\nYeah. Absolutely. No. All good. Now we'll go through and have a bit of a chat about your super, your insurances, and how everything's going goal wise for you.\n\nBut is there anything else that you wanted me to sort of touch on this part of your annual review? Anything else specific that you wanted me to to ask me or have me chat about? Yeah. Yes. Yeah.\n\nAbsolutely. That's okay. So when it comes to property advice, if you're just looking to find out whether you're able to purchase another investment or not, you'd be best to speak to a mortgage broker just because that would entail your servicing. Did you want me to maybe refer you through to one of our mortgage brokers to assess your servicing and borrowing capacity for that purchase? Yeah.\n\nYeah. Absolutely. That that may have been a couple of years ago. We do since have a different mortgage broker, so you may have spoken to Grant back in the day. Nowadays yeah.\n\nNowadays, I have a different mortgage broker that I refer you to because Grant has unfortunately retired. He's done his life of working, and he's off to enjoy his retirement years. Yeah. So we do have a new mortgage broker, and I'll refer you to the Fabian. So Fabian is a great mortgage broker, has been around for a very long time, and he runs and owns this business himself.\n\nAnd he will I'll do an introductory email to you and to Fabian, and he'll be able to touch base in the next couple of days and and look at your servicing capacity, look at what you're able to borrow in regards to an investment property, and, obviously, look helping you in that way. Is that okay? Yeah. Beautiful. All good.\n\nExcellent. That way, it's nice and easy. When it comes down to financial advice and looking at investment properties, because we don't have a credit license, we can't really help out with the loan aspect. But down the track, depending on what you're looking at, financial advice does come into essentially a really good aspect of your retirement plan. So whether you're wanting to keep those properties long term and supplement your super in retirement or whether you're just gonna hold them for the next sort of ten years and possibly sell them off, cement the gain, and then maybe, you know, look at what other moving the money into other areas of investment for a time and aspects.\n\nSo that's where financial advice kinda comes into play. But just getting the property and doing your servicing and borrowing, that's where a mortgage broker is gonna be a lot more valuable to you. Okay? Fantastic. Excellent.\n\nAnd just while we are talking about the the property side of things, what is your goal with having those investment properties? Are you wanting to kinda keep them through retirement as an income stream, or do you think you'll plan on selling them off? What is your goal moving forward with those? Yep. Yeah.\n\nYeah. Perfect. Yeah. No. That's okay.\n\nWell, it's definitely something to think about down the track, and I'll make sure that I touch base with you and sort of keep up to date with that because we definitely can factor that into your advice down the track. But, yeah, just have a think about what you want to happen out of the I know with the kids being so young, it's it's my kids are probably the same boat. It's gonna be difficult for them to buy property without our our assistance in the future, isn't it? Crazy. Yeah.\n\nNo. Yeah. You've got four kids total, don't you? Yeah. Yeah.\n\nYeah. Yeah. No. Fantastic. Excellent.\n\nExcellent. Well, I'll jump in and have a little bit of a look at your super. So just to sort of touch base with the email that you've got there, when you press the sign button, it takes you through to sign the ongoing service agreement. But with the you're a legend. Because you've already signed that one, I'll just take you through the updated balances.\n\nSo last time we did an annual review, your balance then was about 249,625. Your balance in your super now is at 320 sorry. 328,719 and 54¢. So you have seen some really good growth in your super. When we look at it over the last twelve months, we've seen an increase of 5.57% net of fees.\n\nAs a dollar figure, that's showing earnings and growth within the fund of over 21,889 for the last twelve months. So it is really good growth and a good return. Admittedly, given kind of where you're at, it is a little bit lower than what we kind of of would have expected out of your sort of portfolio. That has had a little bit to do with what's been happening in the world generally between, you know, the America and and Iran with that war this year. And then, yeah, and then here in Australia, we've also had very high inflationary rates, and high inflation tends to have an effect on fixed income and bonds and things like that as well.\n\nSo it has been definitely a very up and down sort of year. The benefit is that you're not able to access super yet. You're still very young and have a lot of working life ahead of you. So you're able to wither through those downtime, and sort of see the advantages as your contributions keep going in and being invested into your super fund there. But, we'll get all in all to come up with a positive return of 5.57 net of fees, and it still made you over 21,000 for the year, which is a positive thing.\n\nOkay. Excellent. Excellent. Now I can also see that you are salary sacrificing a little bit there as well. Yeah.\n\nYeah. Perfect. Are you wanting to look at maybe salary sacrificing more into super as well, or you just are happy with what you're doing and wanting to focus on getting properties out and building wealth outside of super? Putting more money in the super. Yeah.\n\nNo. So at the moment, the maximum concessionally, so that's employer contributions as well as additional life salary sacrifice or deductible contributions, this financial year is thirty two thousand five hundred. Yeah. Absolutely. Let me go have a look there for you.\n\nI just logged in to Hub 24 just to pop in there and have a look. Sorry. Won't be a second. Okay. Search.\n\nSo last financial year, you put 32,222. So you were just over the cap for the last year. Yeah. So what I'd be looking at doing is double checking. It looks like from the 2324 financial year, you only put 4882 into hub '24.\n\nWe'd have to check whether any what kind of contributions were going into your previous year. But if you because of the the '20 last financial year and the financial year before that, the one ending in 2025, it looks like those two years, you exceeded your cap in both the years. As long as yeah. So as long as you have some carry forward contributions from, say, the last five years, the carry forward is any unused concessional cap from the last or previous five years. Looking at your balance, you're within range to be allowed to access those sorts of things.\n\nYour balance has to be under 5,000 100,000 as that June 30 of financial year prior. So long as you've got some carry forward left over from the last previous five financial years, that should offset the extra that you've put into the super fund. However, it just depends on what you have there. You can check your myGov account, and it will determine whether you have any leftover cap space from the previous five financial years. If you haven't, because last year you exceeded the cap, they essentially do make you pay extra tax for that.\n\nSo they use the highest marginal tax rate with a 15% offset, and that all gets done as part of your tax return. So you if you've got a chance to check your MyGov account, just have a look to see whether you've got some carry forward concessional contributions available to you. If you do, it shouldn't be a problem. I can't I can't get into your myGov account, unfortunately. I can send yes.\n\nYeah. Oh, absolutely. Yeah. Definitely. Sorry.\n\nAbsolutely. So when you're in your MyGov account there, you should be able to go to your linked services and click on the ATO. Yeah. That's okay. Yep.\n\nThe ATO. Yep. That's okay. So from services, you click on the one that says ATO. And then from there, when it loads mine's still loading.\n\nI always do this with you because it's easier to go through. And then you go to your menu at yeah. The menu at the very top one that opens, and let me know when that is. Yep. And then go press on the super and then information.\n\nAnd then you've got an option that says carry forward concessional contributions. Yep. Now beautiful. So then I'm gonna after if you scroll down a little bit, you'll see it says unused concessional contributions available to carry forward. Yeah?\n\nYou should have a balance in there, and it should tell you in a green box if you're eligible or not. Mhmm. Okay. So that's telling you how much you have carried forward from the last five years that you're able to contribute into super over and above the current contributions cap. So you've just gotta be really careful that if you do exceed the cap that you have this amount or these sorts of funds eligible to you.\n\nOnce your super balance hit, say, as an example, if as 06/30/2027, your super balance goes over that $500,000 mark, then the following financial year, you won't be eligible to use these carry forward contributions. So it's just important when you are adding extra money to super that you are just making sure you stay under the cap. If you think you're gonna go over the cap, then just making sure you have carry forward concessional contributions eligible to you. What I'm gonna do moving forward as well is I'm gonna make sure we do a catch up every sort of six months. That way, I can check your contributions for you.\n\nAnd if I think you're getting close to the cap, we can just go back in and double check the eligible amount for you. Is that okay? Yeah. Well, you can't can't take the money out of sleep anymore. It's already in there.\n\nSo currently, we just have to wait for you to do your tax return. When you do your tax return, they will it it'll show eligibility, and, essentially, the ATO does it automatically. So what happens is when your contributions at the end of the year get reported to the ATO, they report exactly. So they'll say you've made that 32,800 of contributions. The ATO then go, well, your cap last year was 30,000.\n\nHowever, that $2.08 that 2,800, if you had carry forward, and they'll go back to check that you had eligible carry forward amounts, and they'll subtract that from the the earliest financial year available to you. So you don't have to do anything. Just do your tax return as normal moving forward. And you if you're fine to keep your contributions going the way you want to if you like, I would just be wanting to make sure we catch up with you every six months and double check how your contributions are going. If you are close to the cap, we might have to stop those extra going in.\n\nK? Yeah. 100 per week. Yep. Yep.\n\nAll good. And your income, I've got you down on about 215,800 per annum. Is that about right, income wise? Okay. So you're on 250,000.\n\nThe other thing to be mindful is if your your employer your wage plus your super contributions exceeds that $250,000 on a yearly basis, you're also then expected to pay an additional tax. So inside super, you pay 15% tax on contributions that are to put in there. If your, gross income and your income earned from your employer plus your super contributions exceeds that 250,000, any exceeds that 250,000. Any super contributions and income over that $250,000 is actually taxed at a at an extra 15%. So just double check with your accountant when you do your tax return what your income looks like and whether this year you might be having to pay that additional tax.\n\nOkay? If they do yeah. If that if that does come through and you do have to pay that additional tax, it's on income and contributions over the 250,000. So I don't know whether you'll have to pay it on currently or not. Just check with your account, and they'll be able to confirm what that looks like.\n\nIf you do get a letter from the ATO stating that you do have to pay that additional taxes, $2.09 3 tax, you can elect to have it deducted out of your super funds. So it's not money you'll have to pay out of pocket if you don't wish to. You can elect on the form just to have it deducted from super. The ATO will then have that extra funds deducted from your super fund for you. It's just a matter of the money obviously comes out of super, is paid to the ATO, and that money is no longer invested for your future.\n\nSo as long as you're aware that you're comfortable with that, you do are able to elect it that way. But I would probably suggest go and speak to your accountant, do your tax return, have them look at all your income and everything, and find out whether that's if two nine three tax is gonna be applicable. And then, you know, have a look at whether your contributions for this next year are gonna exceed the cap. Just making sure that we're not gonna go over that in any way. Okay?\n\nDoes that make sense? Yeah. There's a lot too. It is a great thing to earn more money. Yeah.\n\nYeah. And we'll just double check things. So with your income yeah. Six months. Absolutely.\n\nSo with your income, do you feel, like, this year, you should go over that 250,000? Do you think like, what is your actual base income? You you reckon you'll go over that $250,000? Yep. Okay.\n\nSo I'm just having a look at contributions. Now your employer, did they just pay normal 12% contributions? Do you get anything like, paid anything additional on top of that aside from the salary sacrifice? So your employer, they're only paying that 12%. You're not paying you, like, 15% employment contributions or anything fun?\n\nYep. Yep. Yep. That's absolutely fine. So if I sort of look at this, $100 per week salary sacrifice at the moment.\n\nBased on an income of 250,000 with 12% employer contributions plus a $100 per week in employer contributions, the expected total contributions for this financial year would be 35,200. So that does put you over the cap. Yeah. Based on 250,000, if you were to maximize the salary sacrifice, it's basically telling me that you realistically couldn't put more than $48.08 on a weekly basis into super. So you've got the option.\n\nYou can reduce yeah. So you can look to reduce your salary sacrifice back a little bit to try and keep you under the cap. There is another way of doing it. If you wanted to look at reducing that salary sacrifice back or even stop it for the time then you could, that extra bit of money you could always put away into a savings account, and you can do a lump sum deductible contribution at the end of the financial year as well. And that deductible contribution works as a bit of a tax deduction for you.\n\nSo that's another option to sort of look at. Maybe have a chat to your accountant about the salary sacrifice and the deductible contribution, see if they can kind of model your tax return for the next financial year based on everything you've given them, and just sort of see what they say about, you know, which way might be better tax wise for you. Okay. Yeah. So the total div $2.09 3 expectation based on your if we go on $100 per week, the s and this is just an estimate.\n\nIt could be actual could be absolutely different. But the expected div two nine three tax on with your current $2.50 of income plus the $100 per week of salary sacrifice and your employer contributions, from what I can see, they're estimating the DIV two nine three tax at the end of the year to be about $4,000 that you would have to pay extra tax off. Yeah. Yeah. We could have it back.\n\nJust keep it down to the the cap. At the end of the financial year, we could have a look at what you've got available to your carry forward contributions, look at whether you have any additional money there, and look at making a one off deductible contribution But, yeah, from what I can see, looking at things, the maximum salary sacrifice to keep you under the cap would be about $48 per week. That's based on your income. Yeah. Yeah.\n\nYeah. Beautiful. It's a good thing. Look. You're earning a lot of extra money, and that's fantastic, but it does come with extra tax as well.\n\nSo just making sure that we you don't wanna pay more than your fair share. Yeah. Absolutely. No. Definitely.\n\nBut do have a chat to your accountant where you do tax return and ask them about the DIV two nine three tax, and they'll be able to let you know whether you have to pay that based on the last year or not. Okay? We do have if you would like us to refer you through to one, absolutely. Did you want us to refer you through to an accountant for the accountant services are completely separate. They will charge you for your personal tax return separately.\n\nHowever, when you get an accountant to do your tax return, they do the amount you pay for the next financial year is tax deductible for you. Yeah. Yeah. Yes. Beautiful.\n\nBeautiful. Well, let me know if you do happen to have any questions there. If you want, I could always send you a bit of an email after the call, just a bit of a recap on things that you could definitely ask them to check for you. Okay? Yep.\n\nFantastic. Easy. So, look, it's really good to see your sleep is growing definitely. Obviously, income's going really nicely as well. You've got your contribution, your extra salary sacrifice at a $100 per week, and you are gonna look to reduce that for this year as well, aren't you?\n\n'40 five? Yeah. Yeah. Absolutely. Absolutely.\n\nAnd I'll make sure that we do catch ups with you, each six months so I can check what your contributions are going in. I'll put that in my calendar so my team will give you a call, in six months ago. Hey. Time for a bit of a catch up there, Joe. Let's see how your contributions are going, and we can just make sure that you you this is all going in quite well and that you're not so far exceeding the cap.\n\nOkay? Excellent. Beautiful. The other thing to sort of look at is your insurances. So you do have your towel policy with your life and TBD.\n\nIn the event of passing away, your life cover, your sum insured, 750,000, and then, obviously, you've got your super paid out on top of that, which is the $3.28. So if I just sort of work it out together and it just sort of shows if in the event you would have passed away now, your beneficiaries are eligible for the sum insured of a million and 78. Do you feel that's fairly appropriate for the life cover? Did you wanna look at reviewing that at all? It's up to you.\n\nYeah. It depends on what you wanna have covered. Like, thinking about your scenario now, if you would have passed away now, where would that million dollars go to, and what would you want them to cover with that? Absolutely. Yeah.\n\nWell, with with the two perfect. With the two investment properties you've got there, the first one I'm sorry. I don't have suburbs written down. The first one I had here was valued at 700,000. Do you know which property you would value at roughly that?\n\n$9.50. And what suburb is that property in? Butler, WA. Beautiful. Just so I can tell them apart for you.\n\nExcellent. And the mortgage on that property was about 380,000. Has that kind of reduced, or is that in in interest only? Yep. Okay.\n\nThat's the second one I would have here. Yeah. I have a secondary one. The value of the secondary property was at 550,000. Would that have been the one that you took the funds out for?\n\nYep. Oh, beautiful. And what suburb is that one in? South Pleasant. Beautiful.\n\nYep. Beautiful. 340,000. Fantastic. And the income was are these properties positive or negatively geared?\n\nYep. You're right. 37 per month. Beautiful. $15.37 per fortnight.\n\nFantastic. That's okay. Beautiful. Yep. So 1,400 per week rent for that property.\n\nAnd how much was the loan, I'm so sorry, that you're paying back per fortnight? Yes. Perfect. Twelve twelve per The other one's negative. Yeah.\n\nYeah. Yeah. Definitely. Okay. Perfect.\n\nSo this one the second one is a 100% under your wife's name, and the first one was under your name. The one in Butler's under your name. Oh, fifty fifty. Beautiful. 50% owned.\n\nFantastic. Excellent. And wanting to get one more property there as well. And I'll do the referral through to the mortgage broker. Essentially, in order to refer you through there, I'll just need to be able to provide them with your name, your phone number, possibly an email, and a time that they can give you a call.\n\nWhen generally best suits the mortgage where they give you a call and have a chat about servicing? Is there a day and time that suits you better, Jo? Anytime? Yep. Beautiful.\n\nFantastic. So with your life cover, you're fairly happy with the $7.50 sum insured plus your super benefit. With TBD, you have the same level of cover. So in the event that you were totally permanently disabled, not able to get back to work again, the sum insured 750,000, we can again claim permanent incapacity against your super. Are you fairly comfortable with that?\n\nDid you wanna look at maybe increasing or altering that cover for TBD, or do you have any questions about how TB, total permanent disability, works? Yep. Yeah. Yes. So for your life and TPD at the moment, the the total paid from was $2,283.83 this year.\n\nSo these policies do get more and more expensive as you get older. It does mean that more money is deducted from your super for the premium. So if you did wanna increase that, it absolutely does increase the cost of the level of cover. However, it's just making sure that you have the level of protection that meets your goal as well. Yeah.\n\nI can jump in I'll see if I can get into the portal and have a look for you. Worst case, I could always get an updated quote and email it through to you afterwards. But let me see if I can jump in because giving you a live quote would be easier on your self. That's okay. And just while this is, like, logging in there, Joe, as well, now you don't have any, like, income protection or anything like that.\n\nIn the event that you were unable to go to work, I know you've got your investment property income and things, but are you fairly comfortable knowing you wouldn't have any income protection to fall back on? You would have to, you know, rely on savings, you know, your wife's income if she works, you know, any income from the investment properties that support you. So income protection pays out a monthly benefit in the event that you're unable to go to work in the short term. So as an example, say, you were sick. Yeah.\n\nYou don't have any income protection to fall back on. It's something you didn't wanna look at in the past, but just wanting to sort of work out. Are you still comfortable with that? Are you wanting to look at income protection now? I can give you update if you like.\n\nHave a look at that for you. Let's do a quote. Sorry. I'm still just logging in to the portal. Won't be a second.\n\nIt's just gonna do two factor authentications. Okay. So I've got your policy here. I'm just gonna pop in and do a quick live quote for you. New quote.\n\nOkay. So you said you wanted to look at, as an example, increasing your life and TBD to a million dollars? Correct. Yeah. And with life and TBD, your super balance is also paid out.\n\nWe can claim against your super when you pass away, and that gets paid to your beneficiaries. So with the 750 of life plus your current super balance, that gives you a million and 78 of life cover. With CBD, it gives you the same level. But if you were to claim CBD, unfortunately, it is a taxable payment. So if you claimed CBD and had the full million and 78 paid out as a lump sum, the government does tax it.\n\nIt's up to 22%. So based on that, the estimated tax on a million and 78 would be 237 thousand. That that would leave yes. So, I mean, realistically, if you were to claim TBD, we would provide advice on, you know, how best to use the funds. That way we can limit the tax if possible, and also, you know, keep money invested as whole years.\n\nBut, yeah, if you were to look at so I'm just sort of looking at the increase. Increase. A million. It doesn't like my inputting information. So a million dollars of life and TBD.\n\nAnd then did you want me to quote giving you income protection as well? Yes? Beautiful. So based on income of, say, 250,000, would that be right, the income protection? Yep.\n\nPerfect. Okay. So the $2.50. We can increase that by And adding new transaction. Alright.\n\nSo income protection based on 250,000 gives us a monthly benefit of $14,005.83. So adding that, with income protection, do you think you'd wanna have the lowest waiting period? So that's the time that you would have to be off work in order to make a claim. So you'd have to be off work and unable to work for, say, thirty days, sixty days, or ninety days. What sort of waiting period do you think you'd want?\n\nThe longer it takes. Yeah. But the longer it does take to get the payment to get the claim. Yep. So sixty days would be preferable.\n\nLet's see what they offer. Beautiful. Excellent. And they have a benefit period as well, which is how long you can be on a claim for. Benefit periods are two years, five years, or up to age 65.\n\nThe longer the benefit period, the more expensive the premiums are gonna be. Do you think you would realistically just need, you know, a, you know, a a two year benefit period, or do you would would you wanna go a bit longer? What do you think would be appropriate? Yeah. So you reckon two years or five years?\n\nYeah. So it's like if you had a car accident and broke your back and you couldn't go back to work and you were on an income protection claim, you can be on a claim for up to two years. At that two year mark, if you still can't go back to work, the claim stops regardless. Yeah. Two years would be fine?\n\nBeautiful. Alright. So it's estimating the yearly premium to be about $8,900 to to add income protection and increase your life and TPD to a million dollars. That's that's included in the 8,982. It's estimating the total premium for income protection as well as the increase.\n\nIf you just kept your life and TPD as it was and did not increase it, but you did take out the income protection, I'm just deleting those from the quote. The income protection alone. Sorry. It's just loading. Won't be a second.\n\nThe income protection alone is, again, about $8,000. It's pretty expensive, the income protection component for you. Yeah. That's okay. You're happy just with the cover you have now, just leaving it as is for the time being?\n\nYep. The the life insurance and TBD. Mhmm. Let's have a look. I'll just delete this TBD off here.\n\nTwo seconds. It's gonna go back into it just because it's a a little bit loading. So if we just look at increasing the life of TBD, that's your current life, current GST. And three. Yay.\n\nYou're fine. You're absolutely fine. Okay. So if you just look to increase the life in TPD, the extra premium I'll just have to add this up because it's kind of subtracted it all back. Okay.\n\n$4.00 2. It's bringing the total premium for the discount to about 3,500 per year. Yeah. Right now, you paid 2,283, which does increase. But with the level of cover you have at the moment, you've got your life and TBD with the sum insured of 750,000.\n\nAnd then with your current super balance, that does push you over that thousand dollar, dollar sorry, million dollar mark of some insured. Yeah. Your super balance is added on. Yeah. Yeah.\n\nCorrect. Yeah. No. No. So that's you don't pay the the extra tax on your on the life cover or your super balance.\n\nThat's paid out to your beneficiary if you would have passed away. But if you, yeah, were t p d and you took, say, the $1,300,000 out as a lump sum, and once you claimed on that, then absolutely there is up to 22% tax on that lump sum payout. If we leave it in there, yeah, if we leave it in there and draw it out in smaller regular increments in the way of a disability benefit, that can sort of reduce the the tax side of things a little bit. It also keeps money invested, so it lasts you longer as well. So if you were to be TBD, we would provide the advice to help you along with that.\n\nIt's also important to note that with these power policies, they do go through a renewal every year. So every year, the policy does increase a little bit. So if you think back to your last annual review Oh. It says here it was the same amount, so yours doesn't seem increase much. They normally increase along with indexation, but it looks like yours stays exactly the same.\n\nBut these policies do get more and more expensive as you get older. So you'll pay 2 thousand 200 now for the premium in, say, another 3 or 4 years, you could be paying over 3,000 dollars for the same yeah. Because it does get more expensive. That's correct. Yeah.\n\nBut you don't want it to sort of eat away your super. So you wanna make sure your super is growing and that you're getting the returns to cover the insurance premiums, but also provide, you know, a bit more growth for longevity as well. Because a lot of people, when they get into their, you know, fifties, their insurance premiums can be anywhere between 15 to $20,000 a year. So at that age, those insurance premiums get very expensive. Yeah.\n\nIt's up to you. It's absolutely up you. Do you want me to send it is. It is. Yeah.\n\nI'll send you a recap email after the call if you like. That way, you can have a think about what it is that you're after. There is obviously a risk involved that if you do increase your insurance policy, you'll to go back to an application for the increased amount. So if there are any changes to your health, if you've had, you know, back pain or any other issues, since we put that first policy into force, there could be explosions or loadings that make the policy more expensive than expected. So it is about going through a new application as well.\n\nBut if it's something that meets your goal that you're actually wanting to do, we can definitely look at helping you out in doing that for you. That's okay. Okay. If you like, I'll put a little recap in the email there for you. That way, you can mull it over.\n\nAnd if you decide you wanna go ahead and look at increasing it, just let me know, and we can talk about that in more detail. How does that sound? Yep. Beautiful. All good.\n\nNow the only other type of insurance I have to go through with you is called trauma. You don't have any trauma. So trauma pays out a lump sum benefit in the event that you're diagnosed or have, say, a heart attack, cancer, Parkinson's, other neurological disorders like MS. It's major traumatic diagnosis thing. You have to pay trauma out of your back pocket, so not everyone wants to.\n\nAnd you can also get child trauma policies to cover your kids in the event of them getting, you know, diagnoses like cancer. Did you wanna look at getting any additional cover for trauma or child trauma out of your back pocket, or you're happy just to leave this as it is for the moment? Yep. Beautiful. What I'll do, Jo, because we did go through a lot with the insurance, there's a lot a lot kinda covered.\n\nI'll add a little recap into the email for you just so you can take that back. Have a bit of a look at what we've gone through the things we've discussed. And if you have additional questions or wanna come back and revisit any of it, you can let me know. Okay? Beautiful.\n\nCombias insurances are very complex, aren't they? Yeah. That's okay. Now with your super, I can see having a look at your investments, there's one that is underperforming a little bit at the moment. We have a couple of options.\n\nI can look to go back and do some advice and maybe review your super and the the way it's invested, maybe look at a newer portfolio that might be cheaper, better for you, you know, working harder towards your goals, or we can just hold it off for six months and reevaluate it then. What would you like to do? Get rid of it? Yeah. Absolutely.\n\nI've got some other options that I can look at. I just wanna run through a real quick risk profile with you just to sorta gauge whether your risk tolerance has changed at all. The first one here is just looking at do you you do you have any shares of cryptocurrency or anything in your own name? Have you ever invested in any shares before? No.\n\nAbsolutely. Beautiful. With your goal age for accessing super, I know originally we were sort of looking at between, sorry, I believe 60 to 65 mark. Are you sort of wanting to keep at the same age, or are you feeling you'd like to try and access super at the earliest possible possible opportunity? 60 if you retire?\n\nYeah. Yep. Absolutely. Now the next question here is about how you feel about risk. So when you think about your super, do you feel comfortable taking on a higher level of risk to try and get greater returns to make your super work harder?\n\nDo you feel like you're comfortable taking on a moderate or medium amount of risk to get the best returns you can, or are you concerned about the ups and downs in the market and not wanting to take on any risk and understand the returns are lower because of that? Yeah. Yeah. Yeah. Do you think you'd be in between one and two?\n\nYep. Beautiful. Excellent. The next one here, it says, if you saw your super full by, say, 20% in the next six to twelve months, how do you think you might be feeling? This is due to extra market factors.\n\nYes. If the O chart was still tweeting and we still had this war going in the next twelve months and the market took a bigger dip because of what was going on globally, do you think you'd be feeling concerned? And if you wanted to call us see what's happening, see what we can do to sort of help you out, would you be a bit scared wanting to take money out, or do you think it's a buying opportunity? You're not retiring for the next ten to twenty years, and you might wanna put some money in and take advantage of it. Yeah.\n\nYeah. Mhmm. Yep. Yeah. That's okay.\n\nNot a problem at all. The next one here is asking, have you ever considered borrowing from a bank or financial institution in order to invest in, say, shares or manage funds, or do you feel like that's a bit too risky? You're just comfortable borrowing to invest in property? Yep. Yep.\n\nWhat was the main main reason for wanting to look into that? Yeah. So the biggest thing I should probably let you know is the rules have now changed the self managed super funds. So, yeah, they no longer allow you to borrow for, like, the type of loans that they have inside those trust accounts. It's called a limited recourse borrowing scheme or arrangement.\n\nWe can't do that for residential properties anymore as of the August 10, which basically means two weeks. Yeah. So the only real way to be able to do that is to either have all the funds, enough money to go in and buy a residential property outright, or utilizing that borrowing scheme for commercial property. Commercial property does definitely have its own level of risks, and commercial property can be rented for long periods of time. So there are a lot of different changes that have come into play here.\n\nSo it does limit a lot of people's, you know, once around borrowing inside of self managed super fund. And I can sort of understand where it came from because there has been a lot of interest around self managed super funds and putting money into property in that way. But a lot of people with lower balances have also been doing it. They don't find they get a lot of additional growth or someone in their forties like you and I who wants to, you know, buy a property. We don't really wanna have to work for the next thirty odd years.\n\nWe hope to retire at 60. But, you know, having a thirty year loan means we might have to work till 70 if we can't pay it down quicker. So, there is a lot of risk involved with doing something like that. It is still a possibility. It's just the type of property and the type of borrowing capacity within those super funds is no longer available for residential.\n\nDown the track, if you end up with we get you a million dollars in super and you wanna sort of transition in and buy a property outright, absolutely fine. We can help you with that if it's appropriate to your goals. But the benefit to having the way your super is at the moment is that you can hold listed assets, listed property, and still be growing your super and keep it in this sort of environment. It's not an industry fund. It's a little bit more, you know, more of a a retail fund, but you get access to investments to be able to grow and alter your super and keep it working harder for you in the you know?\n\nSo there are some good benefits to the way your super is structured now as well. Yeah. All good. Beautiful. Now with that risk profile questionnaire, you have essentially scored and you are in a growth portfolio at the moment.\n\nSo it sees about 80% in those growth in assets. So think about things like Australian shares, international shares, listed property, and also commodities like gold and silver, and then a small component about 20% in low risk defensive investments, things like cash, bonds, and fixed interest. For your age and stage, this generally suits where you are. That growth environment suits someone who has at least six years before accessing their funds. It also generally is expected to see a negative return, say, one in about every five odd years, and you're looking to try and obtain a return of around seven to 9% compound on a yearly basis there.\n\nDo you feel like that kind of level of exposure and environment is still comfortable for you? Did you have more questions about that? Yeah. It it does definitely suit where you're at, what's happening. You've got a lot of yeah.\n\nIt is growing and working and compounding, which is what we wanna see. I mean, when you sort of look at where your balance was in the last review to now, you've definitely had a really good return. And the fact that even with the ups and downs this year, we've still come out with a 5% return net of fees. It has worked really well. And you can absolutely state that environment.\n\nBut are you comfortable with that? Did you have questions around it? Yep. Beautiful. If you ever find you're not, you can always let me know, and we can always delve deeper into it.\n\nOkay? Excellent. Perfect. Now just updating the last things in your risk in your fax line here as well. Have you ever had a will and power of attorney done up?\n\nIs it something you and your wife have spoken about doing? Oh, that's that's terrible. Yeah. It is definitely worth doing. Might, yeah, might be worth, chatting to that account and to that, sorry, solicitor again and going, hey.\n\nWhere's my will? Let's get this sorted. Definitely have a chat to your wife, talk about what you want, what your goals are, because it is definitely worthwhile having a will in place. Okay? Yeah.\n\nAnd power of attorney as well is really important to make sure in the event that you can't make decisions on your behalf that the person you appoint to do that knows exactly what you want to happen in those instances. Okay? Excellent. With the I'll after the call, I'll do a little recap for you so we can go through it'll basically outline things that we have sort of gone through today to make it easier on you. And, also, I'll do update referral through to the mortgage broker for you as well.\n\nSo he'll contact you and have a bit of a chat about your borrowing capacity and what you're able to borrow. You have the two investment properties that you're currently renting where you live at the moment. Is that right? Yes. Yeah.\n\nAnd how much are you paying for that on a regular a weekly basis? Is it all at the moment? Okay. 3 40 3 per fortnight. Yeah.\n\nBeautiful. Through that. Beautiful. And is there any other assets that you need to maybe note down? Anything else of value?\n\nAny other cars, boats, caravans, tools of trade? 40,000? Yes. Fantastic. And is it owned outright?\n\nFantastic. And your car as well? What kind of car do you drive? Oh, Fantastic. 300 series.\n\nI had a value of 30,000 on that last year. Would you change or alter that value? Okay. Fantastic. Do you guys have a secondary vehicle as well?\n\nThis one. Beautiful. Oh, fantastic. And the Land Cruiser, do you own that outright, or do you have a loan on that vehicle? No.\n\nOkay. Three years left. And how much do you pay for that out of your income on a regular basis? Yep. Yeah.\n\nYou're alright. That's okay. Perfect. Yep. $37.45 $4.09.\n\nBeautiful. Thank you for updating that for me. Excellent. And the only other thing to confirm is your beneficiaries on your super and your life insurance. We have it noted here.\n\nA 100% of the benefits be paid to, that's your spouse. You're happy with the way that is structured? Yes. Beautiful. Excellent.\n\nAnd the last thing here is, are you putting much in the way of savings away out of your income on a weekly or fortnightly basis, or are you finding everything's kinda going into your loans? Nothing? No. That's okay. That's all good.\n\nAnd I've asked you the same question. No. All good. That's good. Oh, hopefully, you can start.\n\nDo you know kinda what you'd like to be out of putting away on a, say, a weekly or fortnightly basis as dedicated savings? Has she sort of spoken to you about what she'd like to see? Okay. Yeah. Perfect.\n\nPerfect. Yeah. Absolutely. Well, I mean, have a chat to the mortgage broker about your borrowing capacity there. If you did then wanna look at, you know, extra advice around cash on budgeting and things like that, we do charge an out of pocket cost for the personal advice there.\n\nBut I can always just send you a budget planner and have general conversations around you with ways to be able to save, and that is complimentary to you as part of your current services. So, you know, if you want extra services like that and help, let me know. I'll always go through and talk to you about it, what we, you know, what does or doesn't cost, and what we can do for free to help you along. Okay? Absolutely.\n\nAbsolutely. Not a problem at all. Yeah. Absolutely. Most definitely.\n\nAnd do you have any other goals that you were looking to sort of obtain? I had back here in 2024, you were looking to get married. Did you you obviously went ahead and got married? Oh, congratulations. Excellent.\n\nOh, did you do something nice to your one year anniversary? Yep. Yeah. Nice. Honestly, dinner's just as good.\n\nDinner's nice. Yeah. Excellent. And I also had down here that you're down the track you're looking to buy your forever home. Is that something you're still looking to do down the track?\n\nOkay. Yep. Okay. Beautiful. Yep.\n\nAbsolutely. Fantastic. Is there any other goals that you might have in the next, you know, one, two, five, or ten years that you might wanna note down as well? Yep. Build that property portfolio.\n\nFantastic. Excellent. And you're thinking about handing the properties over to your kids in the future as well, sort of building that for them to inherit? Yep. The generational wealth.\n\nI love that. Fantastic. Beautiful. Well, that's basically everything I needed from you. Obviously, you do pay the ongoing service fee.\n\nYou have signed that document, so thank you so much for doing that. The ongoing service fee is 1.65% per annum. That is deducted in smaller inside of your super there. So it does continue for the next twelve months. I'll do a little recap with what we've gone through.\n\nWe've touched on a lot of areas, a lot of different things. I'll go through and do a bit of a recap email for you with what we've gone over, the areas we've discussed, what we're looking at now. I'll go back and also just review your super investments and do a little an investment switch advice document for you, which we'll have in a few weeks. I'll limit that to just the investment switch for you. And anything additional you need advice on, you can always let me know.\n\nWe can come back and reevaluate. Is that okay? Are you comfortable with that? Yep. Beautiful.\n\nLook. I've taken up so much of your time, Jo, but I thank you so much for that. Have you got any questions for me that's come out of any of this, or is there anything that I may have not touched on that you wanted to maybe bring up with me as well? On your insurances? Let me have a quick.\n\nYeah. That's okay. Let's have a bit of a look. So as long as the application, when it was submitted, was correct, it's fine. They sort of don't mind if you weren't smoking then and you've taken it up now.\n\nThat's fine. We don't have to go back and disclose that at all. But if you were smoking back then and didn't disclose it, that becomes a bit of a question. Yeah. I'm Okay.\n\nYeah. That's yeah. Of course. So just socially smoking. So I'll just double check what I've got here for you.\n\nYes. So you are down as being a social smoker. Yep. Yeah. All good.\n\nFantastic. Was there any other questions or anything else that you wanted to ask me while you've got me here, Jo? No. That's okay. It's a lot, and I'm so sorry about that.\n\nYeah. Uh-oh. Fantastic. Yeah. Yeah.\n\nExcellent. And I'll send through the introduction to the mortgage broker there as well. So it's an email to yourself and the mortgage broker, and then he contacts you to organize a time to touch base and have a chat about what you're after, what your borrowing capacity is, and look at everything. And then he'll go from there. Mortgage breaker services are completely complimentary because they are paid by the banks they write the loans for.\n\nSo that that'll be nice and free for you. Okay? That's okay. Easy, Joe. I'll let you go.\n\nYou have an amazing day, and let me know if there's anything that comes up. I'll get those emails out to you shortly. Thanks. See you later.","paragraphs":[{"sentences":[{"text":"Hi.","start":2.6399999,"end":2.96,"sentiment":"neutral","sentiment_score":0.13031569123268127},{"text":"It's Zena from OKIE Financial.","start":2.96,"end":4.58,"sentiment":"neutral","sentiment_score":0.16508457958698272},{"text":"How are you this morning?","start":4.64,"end":5.7799997,"sentiment":"neutral","sentiment_score":0.20737063884735107},{"text":"I'm very well.","start":8.639999,"end":9.599999,"sentiment":"positive","sentiment_score":0.6423344810803732},{"text":"Thanks so much.","start":9.599999,"end":10.4,"sentiment":"positive","sentiment_score":0.8093283971150717}],"sentiment":"positive","sentiment_score":0.37338708341121674,"num_words":17,"start":2.6399999,"end":10.4},{"sentences":[{"text":"I had you booked in to go through you, and you reviewed you this morning.","start":10.719999,"end":13.44,"sentiment":"positive","sentiment_score":0.3599579175313314},{"text":"Is that still a good time there for you?","start":13.44,"end":15.46,"sentiment":"positive","sentiment_score":0.3585529757870568},{"text":"Yeah.","start":17.225,"end":17.625,"sentiment":"neutral","sentiment_score":0.19639533758163452},{"text":"All good.","start":17.625,"end":18.025,"sentiment":"positive","sentiment_score":0.4511221945285797},{"text":"How's your morning been thus far?","start":18.025,"end":19.965,"sentiment":"neutral","sentiment_score":0.1946542759736379}],"sentiment":"neutral","sentiment_score":0.3300882099252759,"num_words":33,"start":10.719999,"end":19.965},{"sentences":[{"text":"Oh, that's good.","start":25.385,"end":26.345001,"sentiment":"positive","sentiment_score":0.40125513076782227},{"text":"That's good.","start":26.345001,"end":27.244999,"sentiment":"positive","sentiment_score":0.4843222051858902},{"text":"Before we jump into the call, Edgar, I normally do send through some under review documents to you.","start":27.75,"end":32.07,"sentiment":"neutral","sentiment_score":0.0308396323170099},{"text":"Are you able to access your emails?","start":32.07,"end":34.23,"sentiment":"neutral","sentiment_score":-0.0006512472672121865},{"text":"If you can't, that's absolutely fine.","start":34.23,"end":35.91,"sentiment":"neutral","sentiment_score":0.002059296239167452}],"sentiment":"neutral","sentiment_score":0.07598111752627625,"num_words":36,"start":25.385,"end":35.91},{"sentences":[{"text":"Just want to double check.","start":35.91,"end":37.21,"sentiment":"neutral","sentiment_score":-0.012394453585147857},{"text":"Yeah.","start":39.510002,"end":40.010002,"sentiment":"neutral","sentiment_score":0.26252061128616333},{"text":"Fantastic.","start":40.475002,"end":40.635002,"sentiment":"positive","sentiment_score":0.5492774248123169},{"text":"I'm just gonna press send on this one and send them through to you there.","start":40.635002,"end":44.015,"sentiment":"positive","sentiment_score":0.35487861434618634},{"text":"Should come through very, very quickly.","start":44.395,"end":46.175,"sentiment":"positive","sentiment_score":0.5193588534990946}],"sentiment":"neutral","sentiment_score":0.32818421801286085,"num_words":28,"start":35.91,"end":46.175},{"sentences":[{"text":"Perfect.","start":47.435,"end":47.935,"sentiment":"positive","sentiment_score":0.4672818183898926},{"text":"So in these annual review documents, as they do come through, you will see it's the ongoing service agreement for the next twelve months to continue forward with our services there.","start":49.755,"end":57.46,"sentiment":"neutral","sentiment_score":0.17486334231591993},{"text":"We do also have the attachments which will entail the performance report for your hub twenty four super account and also your insurance information for your sum insured for your life and TBD cover, and we've also got your updated balances there.","start":57.679996,"end":73.165,"sentiment":"neutral","sentiment_score":0.14214978881535076},{"text":"Okay.","start":73.165,"end":73.665,"sentiment":"neutral","sentiment_score":0.1362105906009674},{"text":"Beautiful.","start":75.725,"end":76.225,"sentiment":"positive","sentiment_score":0.40870267152786255}],"sentiment":"neutral","sentiment_score":0.16320065555996016,"num_words":76,"start":47.435,"end":76.225},{"sentences":[{"text":"Hopefully, it comes through fairly quickly for you.","start":77.485,"end":80.22,"sentiment":"positive","sentiment_score":0.3525536395609379},{"text":"Before I jump in and go through it all for you there, Joe, I just need to confirm, are you okay with us recording this call moving forward?","start":80.46,"end":86.72,"sentiment":"neutral","sentiment_score":0.10433885042688676},{"text":"Oh, fantastic.","start":90.46,"end":91.36,"sentiment":"positive","sentiment_score":0.3858354836702347},{"text":"Excellent.","start":91.66,"end":92.16,"sentiment":"positive","sentiment_score":0.3955952525138855},{"text":"Excellent.","start":92.455,"end":92.775,"sentiment":"positive","sentiment_score":0.3694465160369873}],"sentiment":"neutral","sentiment_score":0.18196574160829188,"num_words":40,"start":77.485,"end":92.775},{"sentences":[{"text":"And I'll just do a quick security check there with you as well just to confirm your full name, your date of birth, and address I should have on file.","start":92.775,"end":99.034996,"sentiment":"neutral","sentiment_score":0.1872674584388733},{"text":"Yep.","start":102.695,"end":103.195,"sentiment":"neutral","sentiment_score":0.024936482310295105},{"text":"Next.","start":104.375,"end":104.875,"sentiment":"neutral","sentiment_score":0.01782883331179619},{"text":"Yeah.","start":106.375,"end":106.8,"sentiment":"neutral","sentiment_score":0.021489275619387627},{"text":"Beautiful.","start":110.0,"end":110.5,"sentiment":"positive","sentiment_score":0.3903532028198242}],"sentiment":"neutral","sentiment_score":0.17860681021257357,"num_words":34,"start":92.775,"end":110.5},{"sentences":[{"text":"Thank you so much.","start":110.560005,"end":111.36,"sentiment":"positive","sentiment_score":0.5037450715899467},{"text":"Is it nice and warm down there at the moment?","start":111.36,"end":113.3,"sentiment":"neutral","sentiment_score":0.22415886372327803},{"text":"Oh, wow.","start":119.744995,"end":120.645,"sentiment":"neutral","sentiment_score":0.057607006281614304},{"text":"In bit different.","start":121.024994,"end":128.22499,"sentiment":"neutral","sentiment_score":-0.020031108520925045},{"text":"Yeah.","start":128.22499,"end":128.465,"sentiment":"neutral","sentiment_score":0.013652844354510307}],"sentiment":"neutral","sentiment_score":0.21626712274737656,"num_words":20,"start":110.560005,"end":128.465},{"sentences":[{"text":"I have.","start":128.465,"end":128.86499,"sentiment":"neutral","sentiment_score":0.01564976153895259},{"text":"Yeah.","start":128.86499,"end":129.36499,"sentiment":"neutral","sentiment_score":0.02870039828121662},{"text":"Yeah.","start":132.22499,"end":132.72499,"sentiment":"neutral","sentiment_score":0.1947231888771057},{"text":"Wow.","start":132.785,"end":133.26,"sentiment":"positive","sentiment_score":0.447215735912323},{"text":"Yeah.","start":135.26,"end":135.76,"sentiment":"neutral","sentiment_score":0.22160367667675016}],"sentiment":"neutral","sentiment_score":0.15392375380421677,"num_words":6,"start":128.465,"end":135.76},{"sentences":[{"text":"Yeah.","start":135.9,"end":136.4,"sentiment":"neutral","sentiment_score":0.2956359088420868},{"text":"Absolutely.","start":137.34,"end":137.84,"sentiment":"positive","sentiment_score":0.42392057180404663},{"text":"No.","start":138.22,"end":138.62,"sentiment":"neutral","sentiment_score":0.2967109680175781},{"text":"All good.","start":138.62,"end":139.36,"sentiment":"positive","sentiment_score":0.44290225207805634},{"text":"Now we'll go through and have a bit of a chat about your super, your insurances, and how everything's going goal wise for you.","start":139.73999,"end":145.34,"sentiment":"neutral","sentiment_score":0.26119777125616866}],"sentiment":"neutral","sentiment_score":0.2817523607919956,"num_words":29,"start":135.9,"end":145.34},{"sentences":[{"text":"But is there anything else that you wanted me to sort of touch on this part of your annual review?","start":145.34,"end":149.215,"sentiment":"neutral","sentiment_score":0.1522006902843714},{"text":"Anything else specific that you wanted me to to ask me or have me chat about?","start":149.215,"end":153.795,"sentiment":"neutral","sentiment_score":0.0743339138571173},{"text":"Yeah.","start":158.655,"end":158.85,"sentiment":"neutral","sentiment_score":0.015107213519513609},{"text":"Yes.","start":173.01001,"end":173.49,"sentiment":"neutral","sentiment_score":0.060163918882608414},{"text":"Yeah.","start":173.49,"end":173.99,"sentiment":"neutral","sentiment_score":0.06806237995624542}],"sentiment":"neutral","sentiment_score":0.1122228189681967,"num_words":39,"start":145.34,"end":173.99},{"sentences":[{"text":"Absolutely.","start":174.205,"end":174.705,"sentiment":"neutral","sentiment_score":0.20575419068336487},{"text":"That's okay.","start":175.325,"end":176.125,"sentiment":"neutral","sentiment_score":0.24923603236675262},{"text":"So when it comes to property advice, if you're just looking to find out whether you're able to purchase another investment or not, you'd be best to speak to a mortgage broker just because that would entail your servicing.","start":176.125,"end":187.02,"sentiment":"neutral","sentiment_score":0.03961329551365895},{"text":"Did you want me to maybe refer you through to one of our mortgage brokers to assess your servicing and borrowing capacity for that purchase?","start":187.90001,"end":195.04001,"sentiment":"neutral","sentiment_score":0.041030465736985204},{"text":"Yeah.","start":199.34,"end":199.665,"sentiment":"neutral","sentiment_score":-0.06487837433815002}],"sentiment":"neutral","sentiment_score":0.04720629484611837,"num_words":68,"start":174.205,"end":199.665},{"sentences":[{"text":"Yeah.","start":203.105,"end":203.50499,"sentiment":"neutral","sentiment_score":-0.014114324934780598},{"text":"Absolutely.","start":203.50499,"end":204.00499,"sentiment":"neutral","sentiment_score":-0.012315292842686176},{"text":"That that may have been a couple of years ago.","start":204.385,"end":206.465,"sentiment":"neutral","sentiment_score":-0.0394439646974206},{"text":"We do since have a different mortgage broker, so you may have spoken to Grant back in the day.","start":206.465,"end":211.125,"sentiment":"neutral","sentiment_score":-0.030137769681842702},{"text":"Nowadays yeah.","start":211.745,"end":213.185,"sentiment":"neutral","sentiment_score":-0.007258206605911255}],"sentiment":"neutral","sentiment_score":-0.03054555460359111,"num_words":33,"start":203.105,"end":213.185},{"sentences":[{"text":"Nowadays, I have a different mortgage broker that I refer you to because Grant has unfortunately retired.","start":213.185,"end":217.73,"sentiment":"neutral","sentiment_score":-0.038942862740334344},{"text":"He's done his life of working, and he's off to enjoy his retirement years.","start":217.79,"end":221.87,"sentiment":"neutral","sentiment_score":-0.01421125712139266},{"text":"Yeah.","start":221.87,"end":222.37,"sentiment":"neutral","sentiment_score":0.050961416214704514},{"text":"So we do have a new mortgage broker, and I'll refer you to the Fabian.","start":223.70999,"end":227.31,"sentiment":"neutral","sentiment_score":0.09883490651845932},{"text":"So Fabian is a great mortgage broker, has been around for a very long time, and he runs and owns this business himself.","start":227.31,"end":232.64499,"sentiment":"neutral","sentiment_score":0.1592056715618009}],"sentiment":"neutral","sentiment_score":0.061917559908969064,"num_words":70,"start":213.185,"end":232.64499},{"sentences":[{"text":"And he will I'll do an introductory email to you and to Fabian, and he'll be able to touch base in the next couple of days and and look at your servicing capacity, look at what you're able to borrow in regards to an investment property, and, obviously, look helping you in that way.","start":233.345,"end":247.38,"sentiment":"neutral","sentiment_score":0.09950693883001804},{"text":"Is that okay?","start":247.38,"end":248.28,"sentiment":"neutral","sentiment_score":0.07639826213320096},{"text":"Yeah.","start":250.02,"end":250.42,"sentiment":"positive","sentiment_score":0.33348482847213745},{"text":"Beautiful.","start":250.42,"end":250.92,"sentiment":"positive","sentiment_score":0.6745313405990601},{"text":"All good.","start":251.14,"end":251.78,"sentiment":"positive","sentiment_score":0.6999721229076385}],"sentiment":"neutral","sentiment_score":0.13132016226405002,"num_words":61,"start":233.345,"end":251.78},{"sentences":[{"text":"Excellent.","start":251.78,"end":252.28,"sentiment":"positive","sentiment_score":0.7402995824813843},{"text":"That way, it's nice and easy.","start":252.34,"end":253.54,"sentiment":"positive","sentiment_score":0.7168096005916595},{"text":"When it comes down to financial advice and looking at investment properties, because we don't have a credit license, we can't really help out with the loan aspect.","start":253.54,"end":261.225,"sentiment":"neutral","sentiment_score":0.08866299974865147},{"text":"But down the track, depending on what you're looking at, financial advice does come into essentially a really good aspect of your retirement plan.","start":261.845,"end":269.925,"sentiment":"neutral","sentiment_score":0.241075593046844},{"text":"So whether you're wanting to keep those properties long term and supplement your super in retirement or whether you're just gonna hold them for the next sort of ten years and possibly sell them off, cement the gain, and then maybe, you know, look at what other moving the money into other areas of investment for a time and aspects.","start":269.925,"end":287.83002,"sentiment":"neutral","sentiment_score":0.18288462944328784}],"sentiment":"neutral","sentiment_score":0.20405557293037907,"num_words":119,"start":251.78,"end":287.83002},{"sentences":[{"text":"So that's where financial advice kinda comes into play.","start":287.89,"end":290.675,"sentiment":"neutral","sentiment_score":0.10672922018501493},{"text":"But just getting the property and doing your servicing and borrowing, that's where a mortgage broker is gonna be a lot more valuable to you.","start":290.675,"end":296.835,"sentiment":"neutral","sentiment_score":0.22323574185371398},{"text":"Okay?","start":296.835,"end":297.335,"sentiment":"neutral","sentiment_score":0.1036754548549652},{"text":"Fantastic.","start":299.395,"end":299.895,"sentiment":"positive","sentiment_score":0.6472848653793335},{"text":"Excellent.","start":300.595,"end":301.095,"sentiment":"positive","sentiment_score":0.4728829860687256}],"sentiment":"neutral","sentiment_score":0.20987296849489212,"num_words":37,"start":287.89,"end":301.095},{"sentences":[{"text":"And just while we are talking about the the property side of things, what is your goal with having those investment properties?","start":301.25,"end":306.87003,"sentiment":"neutral","sentiment_score":0.08895449933003295},{"text":"Are you wanting to kinda keep them through retirement as an income stream, or do you think you'll plan on selling them off?","start":306.93002,"end":312.77002,"sentiment":"neutral","sentiment_score":0.07567860898764237},{"text":"What is your goal moving forward with those?","start":312.77002,"end":314.475,"sentiment":"neutral","sentiment_score":0.06884351000189781},{"text":"Yep.","start":323.035,"end":323.535,"sentiment":"neutral","sentiment_score":0.06724008917808533},{"text":"Yeah.","start":323.595,"end":323.995,"sentiment":"neutral","sentiment_score":0.05794339627027512}],"sentiment":"neutral","sentiment_score":0.07951888286254623,"num_words":55,"start":301.25,"end":323.995},{"sentences":[{"text":"Yeah.","start":323.995,"end":324.39502,"sentiment":"neutral","sentiment_score":0.1067318394780159},{"text":"Perfect.","start":324.39502,"end":324.89502,"sentiment":"neutral","sentiment_score":0.23812130093574524},{"text":"Yeah.","start":327.515,"end":327.835,"sentiment":"neutral","sentiment_score":0.00496695376932621},{"text":"No.","start":327.835,"end":328.075,"sentiment":"neutral","sentiment_score":-0.022344524040818214},{"text":"That's okay.","start":328.075,"end":328.555,"sentiment":"neutral","sentiment_score":0.033146196976304054}],"sentiment":"neutral","sentiment_score":0.06562799401581287,"num_words":6,"start":323.995,"end":328.555},{"sentences":[{"text":"Well, it's definitely something to think about down the track, and I'll make sure that I touch base with you and sort of keep up to date with that because we definitely can factor that into your advice down the track.","start":328.555,"end":337.09,"sentiment":"neutral","sentiment_score":0.19341698497897242},{"text":"But, yeah, just have a think about what you want to happen out of the I know with the kids being so young, it's it's my kids are probably the same boat.","start":337.31,"end":344.815,"sentiment":"neutral","sentiment_score":-0.02928813271864783},{"text":"It's gonna be difficult for them to buy property without our our assistance in the future, isn't it?","start":344.815,"end":349.55502,"sentiment":"neutral","sentiment_score":-0.10135373633561863},{"text":"Crazy.","start":350.575,"end":351.075,"sentiment":"neutral","sentiment_score":-0.00593195017427206},{"text":"Yeah.","start":352.575,"end":352.975,"sentiment":"neutral","sentiment_score":-0.001065647229552269}],"sentiment":"neutral","sentiment_score":0.05550012135157181,"num_words":93,"start":328.555,"end":352.975},{"sentences":[{"text":"No.","start":352.975,"end":353.135,"sentiment":"neutral","sentiment_score":-0.04144296422600746},{"text":"Yeah.","start":353.135,"end":353.375,"sentiment":"neutral","sentiment_score":-0.01758071780204773},{"text":"You've got four kids total, don't you?","start":353.375,"end":355.315,"sentiment":"neutral","sentiment_score":-0.006246058769258005},{"text":"Yeah.","start":356.975,"end":357.27,"sentiment":"neutral","sentiment_score":0.002573858946561814},{"text":"Yeah.","start":360.55,"end":361.05,"sentiment":"neutral","sentiment_score":0.000506996177136898}],"sentiment":"neutral","sentiment_score":-0.009060476208105683,"num_words":11,"start":352.975,"end":361.05},{"sentences":[{"text":"Yeah.","start":364.78998,"end":365.28998,"sentiment":"neutral","sentiment_score":0.03498835116624832},{"text":"Yeah.","start":366.38998,"end":366.88998,"sentiment":"neutral","sentiment_score":0.020814118906855583},{"text":"No.","start":367.03,"end":367.34998,"sentiment":"neutral","sentiment_score":0.08169683814048767},{"text":"Fantastic.","start":367.34998,"end":367.84998,"sentiment":"positive","sentiment_score":0.4687828421592712},{"text":"Excellent.","start":368.31,"end":368.81,"sentiment":"positive","sentiment_score":0.5052617192268372}],"sentiment":"neutral","sentiment_score":0.22230877391994,"num_words":5,"start":364.78998,"end":368.81},{"sentences":[{"text":"Excellent.","start":369.11,"end":369.61,"sentiment":"positive","sentiment_score":0.5027822256088257},{"text":"Well, I'll jump in and have a little bit of a look at your super.","start":370.305,"end":372.865,"sentiment":"neutral","sentiment_score":0.2800454209248225},{"text":"So just to sort of touch base with the email that you've got there, when you press the sign button, it takes you through to sign the ongoing service agreement.","start":372.865,"end":380.885,"sentiment":"neutral","sentiment_score":0.08909293388326962},{"text":"But with the you're a legend.","start":381.905,"end":384.565,"sentiment":"neutral","sentiment_score":0.23667678671578565},{"text":"Because you've already signed that one, I'll just take you through the updated balances.","start":385.41,"end":389.00998,"sentiment":"neutral","sentiment_score":0.15683354969535554}],"sentiment":"neutral","sentiment_score":0.1665451813940749,"num_words":66,"start":369.11,"end":389.00998},{"sentences":[{"text":"So last time we did an annual review, your balance then was about 249,625.","start":389.00998,"end":395.11,"sentiment":"neutral","sentiment_score":0.09540573081799916},{"text":"Your balance in your super now is at 320 sorry.","start":395.41,"end":399.655,"sentiment":"neutral","sentiment_score":0.1508322238922119},{"text":"328,719 and 54¢.","start":399.715,"end":403.795,"sentiment":"neutral","sentiment_score":0.09816940128803253},{"text":"So you have seen some really good growth in your super.","start":403.795,"end":406.695,"sentiment":"positive","sentiment_score":0.607784856449474},{"text":"When we look at it over the last twelve months, we've seen an increase of 5.57% net of fees.","start":407.155,"end":415.13,"sentiment":"neutral","sentiment_score":0.28451943240667643}],"sentiment":"neutral","sentiment_score":0.27021149838609354,"num_words":57,"start":389.00998,"end":415.13},{"sentences":[{"text":"As a dollar figure, that's showing earnings and growth within the fund of over 21,889 for the last twelve months.","start":415.75,"end":423.19,"sentiment":"neutral","sentiment_score":0.31646447703242303},{"text":"So it is really good growth and a good return.","start":423.19,"end":425.61,"sentiment":"positive","sentiment_score":0.6653116583824158},{"text":"Admittedly, given kind of where you're at, it is a little bit lower than what we kind of of would have expected out of your sort of portfolio.","start":425.83,"end":432.705,"sentiment":"negative","sentiment_score":-0.3784097842872143},{"text":"That has had a little bit to do with what's been happening in the world generally between, you know, the America and and Iran with that war this year.","start":433.405,"end":442.285,"sentiment":"neutral","sentiment_score":-0.07052242152135947},{"text":"And then, yeah, and then here in Australia, we've also had very high inflationary rates, and high inflation tends to have an effect on fixed income and bonds and things like that as well.","start":442.285,"end":453.22998,"sentiment":"neutral","sentiment_score":-0.02516600944320945}],"sentiment":"neutral","sentiment_score":-0.004246796535189487,"num_words":121,"start":415.75,"end":453.22998},{"sentences":[{"text":"So it has been definitely a very up and down sort of year.","start":453.22998,"end":457.00998,"sentiment":"neutral","sentiment_score":-0.09159732323426467},{"text":"The benefit is that you're not able to access super yet.","start":457.22998,"end":459.70502,"sentiment":"neutral","sentiment_score":0.09646596082232216},{"text":"You're still very young and have a lot of working life ahead of you.","start":459.70502,"end":462.825,"sentiment":"neutral","sentiment_score":0.15115813804524286},{"text":"So you're able to wither through those downtime, and sort of see the advantages as your contributions keep going in and being invested into your super fund there.","start":462.825,"end":472.585,"sentiment":"positive","sentiment_score":0.3708083762654236},{"text":"But, we'll get all in all to come up with a positive return of 5.57 net of fees, and it still made you over 21,000 for the year, which is a positive thing.","start":472.585,"end":483.09,"sentiment":"positive","sentiment_score":0.681112530556592}],"sentiment":"positive","sentiment_score":0.3519790135700293,"num_words":99,"start":453.22998,"end":483.09},{"sentences":[{"text":"Okay.","start":483.09,"end":483.59,"sentiment":"neutral","sentiment_score":0.26964688301086426},{"text":"Excellent.","start":485.09,"end":485.59,"sentiment":"positive","sentiment_score":0.5623459815979004},{"text":"Excellent.","start":486.785,"end":486.945,"sentiment":"positive","sentiment_score":0.5248945355415344},{"text":"Now I can also see that you are salary sacrificing a little bit there as well.","start":486.945,"end":490.725,"sentiment":"neutral","sentiment_score":0.17183642322197556},{"text":"Yeah.","start":495.105,"end":495.505,"sentiment":"neutral","sentiment_score":0.10265149921178818}],"sentiment":"neutral","sentiment_score":0.2104460835456848,"num_words":20,"start":483.09,"end":495.505},{"sentences":[{"text":"Yeah.","start":495.505,"end":495.905,"sentiment":"neutral","sentiment_score":0.15866953134536743},{"text":"Perfect.","start":495.905,"end":496.405,"sentiment":"neutral","sentiment_score":0.28565311431884766},{"text":"Are you wanting to look at maybe salary sacrificing more into super as well, or you just are happy with what you're doing and wanting to focus on getting properties out and building wealth outside of super?","start":496.625,"end":507.38,"sentiment":"neutral","sentiment_score":0.07483196303852506},{"text":"Putting more money in the super.","start":513.28,"end":514.955,"sentiment":"neutral","sentiment_score":-0.01342828944325447},{"text":"Yeah.","start":515.255,"end":515.755,"sentiment":"neutral","sentiment_score":0.013434603810310364}],"sentiment":"neutral","sentiment_score":0.06839065533131361,"num_words":46,"start":495.505,"end":515.755},{"sentences":[{"text":"No.","start":522.05505,"end":522.29504,"sentiment":"neutral","sentiment_score":-0.03337998688220978},{"text":"So at the moment, the maximum concessionally, so that's employer contributions as well as additional life salary sacrifice or deductible contributions, this financial year is thirty two thousand five hundred.","start":522.29504,"end":533.86,"sentiment":"neutral","sentiment_score":0.003655252799702187},{"text":"Yeah.","start":539.68,"end":540.08,"sentiment":"neutral","sentiment_score":0.05181512236595154},{"text":"Absolutely.","start":540.08,"end":540.58,"sentiment":"neutral","sentiment_score":0.06892730295658112},{"text":"Let me go have a look there for you.","start":540.815,"end":542.995,"sentiment":"neutral","sentiment_score":0.05250871595409182}],"sentiment":"neutral","sentiment_score":0.015942820619481306,"num_words":42,"start":522.05505,"end":542.995},{"sentences":[{"text":"I just logged in to Hub 24 just to pop in there and have a look.","start":544.255,"end":548.035,"sentiment":"neutral","sentiment_score":0.0391452721087262},{"text":"Sorry.","start":548.89496,"end":549.295,"sentiment":"neutral","sentiment_score":-0.021541748195886612},{"text":"Won't be a second.","start":549.295,"end":550.27496,"sentiment":"neutral","sentiment_score":-0.0244561149738729},{"text":"Okay.","start":560.19,"end":560.69,"sentiment":"neutral","sentiment_score":0.011524781584739683},{"text":"Search.","start":561.31,"end":561.81,"sentiment":"neutral","sentiment_score":0.008015809580683708}],"sentiment":"neutral","sentiment_score":0.02289124942668106,"num_words":23,"start":544.255,"end":561.81},{"sentences":[{"text":"So last financial year, you put 32,222.","start":562.91,"end":569.46497,"sentiment":"neutral","sentiment_score":0.017315502943737165},{"text":"So you were just over the cap for the last year.","start":569.46497,"end":572.205,"sentiment":"neutral","sentiment_score":0.04160208221186291},{"text":"Yeah.","start":578.425,"end":578.745,"sentiment":"neutral","sentiment_score":0.026884477585554123},{"text":"So what I'd be looking at doing is double checking.","start":578.745,"end":581.73004,"sentiment":"neutral","sentiment_score":0.025227443128824235},{"text":"It looks like from the 2324 financial year, you only put 4882 into hub '24.","start":581.73004,"end":589.73004,"sentiment":"neutral","sentiment_score":0.010462014625469843}],"sentiment":"neutral","sentiment_score":0.02306637620892037,"num_words":44,"start":562.91,"end":589.73004},{"sentences":[{"text":"We'd have to check whether any what kind of contributions were going into your previous year.","start":589.73004,"end":594.55005,"sentiment":"neutral","sentiment_score":-0.0831519365310669},{"text":"But if you because of the the '20 last financial year and the financial year before that, the one ending in 2025, it looks like those two years, you exceeded your cap in both the years.","start":596.245,"end":606.66504,"sentiment":"neutral","sentiment_score":-0.1701553865439362},{"text":"As long as yeah.","start":607.89,"end":609.91,"sentiment":"neutral","sentiment_score":-0.06870342418551445},{"text":"So as long as you have some carry forward contributions from, say, the last five years, the carry forward is any unused concessional cap from the last or previous five years.","start":610.05,"end":620.79,"sentiment":"neutral","sentiment_score":-0.04796068015838823},{"text":"Looking at your balance, you're within range to be allowed to access those sorts of things.","start":621.365,"end":625.605,"sentiment":"neutral","sentiment_score":0.04893515445291996}],"sentiment":"neutral","sentiment_score":-0.08188987582994317,"num_words":103,"start":589.73004,"end":625.605},{"sentences":[{"text":"Your balance has to be under 5,000 100,000 as that June 30 of financial year prior.","start":625.605,"end":631.46497,"sentiment":"neutral","sentiment_score":0.005869680666364729},{"text":"So long as you've got some carry forward left over from the last previous five financial years, that should offset the extra that you've put into the super fund.","start":632.005,"end":641.51996,"sentiment":"neutral","sentiment_score":0.0667341102300019},{"text":"However, it just depends on what you have there.","start":641.51996,"end":643.94,"sentiment":"neutral","sentiment_score":-0.023984860628843307},{"text":"You can check your myGov account, and it will determine whether you have any leftover cap space from the previous five financial years.","start":644.16,"end":651.60504,"sentiment":"neutral","sentiment_score":-0.030712476850527783},{"text":"If you haven't, because last year you exceeded the cap, they essentially do make you pay extra tax for that.","start":651.985,"end":658.35,"sentiment":"neutral","sentiment_score":-0.15187860503792763}],"sentiment":"neutral","sentiment_score":-0.019903285841735983,"num_words":97,"start":625.605,"end":658.35},{"sentences":[{"text":"So they use the highest marginal tax rate with a 15% offset, and that all gets done as part of your tax return.","start":658.35,"end":665.57,"sentiment":"neutral","sentiment_score":-0.015556762561849926},{"text":"So you if you've got a chance to check your MyGov account, just have a look to see whether you've got some carry forward concessional contributions available to you.","start":665.63,"end":673.79,"sentiment":"neutral","sentiment_score":0.031226420325451885},{"text":"If you do, it shouldn't be a problem.","start":673.79,"end":676.075,"sentiment":"neutral","sentiment_score":-0.11444038432091475},{"text":"I can't I can't get into your myGov account, unfortunately.","start":676.855,"end":679.675,"sentiment":"neutral","sentiment_score":-0.3239824116230011},{"text":"I can send yes.","start":679.975,"end":681.915,"sentiment":"neutral","sentiment_score":-0.10258334502577782}],"sentiment":"neutral","sentiment_score":-0.054296215140336265,"num_words":74,"start":658.35,"end":681.915},{"sentences":[{"text":"Yeah.","start":684.695,"end":685.195,"sentiment":"neutral","sentiment_score":-0.04001343622803688},{"text":"Oh, absolutely.","start":685.815,"end":686.955,"sentiment":"neutral","sentiment_score":0.012381408363580704},{"text":"Yeah.","start":687.415,"end":687.735,"sentiment":"neutral","sentiment_score":0.05738238990306854},{"text":"Definitely.","start":687.735,"end":688.235,"sentiment":"neutral","sentiment_score":0.06964460015296936},{"text":"Sorry.","start":688.295,"end":688.795,"sentiment":"neutral","sentiment_score":-0.019147351384162903}],"sentiment":"neutral","sentiment_score":0.015438169861833254,"num_words":6,"start":684.695,"end":688.795},{"sentences":[{"text":"Absolutely.","start":690.12,"end":690.62,"sentiment":"neutral","sentiment_score":0.21156397461891177},{"text":"So when you're in your MyGov account there, you should be able to go to your linked services and click on the ATO.","start":691.0,"end":696.78,"sentiment":"neutral","sentiment_score":0.09913380913760352},{"text":"Yeah.","start":699.56,"end":700.06,"sentiment":"neutral","sentiment_score":0.07215899229049683},{"text":"That's okay.","start":701.08,"end":701.98004,"sentiment":"neutral","sentiment_score":0.05757317319512367},{"text":"Yep.","start":705.03503,"end":705.515,"sentiment":"neutral","sentiment_score":0.04600322246551514}],"sentiment":"neutral","sentiment_score":0.09731964806893043,"num_words":28,"start":690.12,"end":705.515},{"sentences":[{"text":"The ATO.","start":705.515,"end":706.335,"sentiment":"neutral","sentiment_score":0.03803359530866146},{"text":"Yep.","start":706.555,"end":707.055,"sentiment":"neutral","sentiment_score":0.0329153910279274},{"text":"That's okay.","start":718.17004,"end":718.99005,"sentiment":"neutral","sentiment_score":0.1663423776626587},{"text":"So from services, you click on the one that says ATO.","start":719.37006,"end":722.51,"sentiment":"neutral","sentiment_score":0.04180004109035839},{"text":"And then from there, when it loads mine's still loading.","start":723.05005,"end":726.41003,"sentiment":"neutral","sentiment_score":0.054471132531762126}],"sentiment":"neutral","sentiment_score":0.05562227362623581,"num_words":26,"start":705.515,"end":726.41003},{"sentences":[{"text":"I always do this with you because it's easier to go through.","start":726.41003,"end":729.305,"sentiment":"neutral","sentiment_score":0.312565665692091},{"text":"And then you go to your menu at yeah.","start":730.485,"end":733.125,"sentiment":"neutral","sentiment_score":0.05957677484386497},{"text":"The menu at the very top one that opens, and let me know when that is.","start":733.125,"end":736.745,"sentiment":"neutral","sentiment_score":0.044759406708180904},{"text":"Yep.","start":738.965,"end":739.205,"sentiment":"neutral","sentiment_score":0.042073607444763184},{"text":"And then go press on the super and then information.","start":739.205,"end":745.03,"sentiment":"neutral","sentiment_score":0.024905089847743513}],"sentiment":"neutral","sentiment_score":0.11029695781568687,"num_words":48,"start":726.41003,"end":745.03},{"sentences":[{"text":"And then you've got an option that says carry forward concessional contributions.","start":747.65,"end":751.35004,"sentiment":"neutral","sentiment_score":0.0250062628959616},{"text":"Yep.","start":755.25,"end":755.75,"sentiment":"neutral","sentiment_score":0.07359503954648972},{"text":"Now beautiful.","start":757.09,"end":758.575,"sentiment":"positive","sentiment_score":0.35301151499152184},{"text":"So then I'm gonna after if you scroll down a little bit, you'll see it says unused concessional contributions available to carry forward.","start":759.835,"end":766.815,"sentiment":"neutral","sentiment_score":0.05400850874898226},{"text":"Yeah?","start":766.875,"end":767.375,"sentiment":"neutral","sentiment_score":0.04714196547865867}],"sentiment":"neutral","sentiment_score":0.06074438182016214,"num_words":39,"start":747.65,"end":767.375},{"sentences":[{"text":"You should have a balance in there, and it should tell you in a green box if you're eligible or not.","start":767.675,"end":772.99005,"sentiment":"neutral","sentiment_score":0.055011616398890816},{"text":"Mhmm.","start":775.77,"end":776.27,"sentiment":"neutral","sentiment_score":0.040190935134887695},{"text":"Okay.","start":779.29004,"end":779.69,"sentiment":"neutral","sentiment_score":0.05042733252048493},{"text":"So that's telling you how much you have carried forward from the last five years that you're able to contribute into super over and above the current contributions cap.","start":779.69,"end":788.735,"sentiment":"neutral","sentiment_score":0.03517449441654929},{"text":"So you've just gotta be really careful that if you do exceed the cap that you have this amount or these sorts of funds eligible to you.","start":789.03503,"end":796.41504,"sentiment":"neutral","sentiment_score":-0.11496253725555208}],"sentiment":"neutral","sentiment_score":-0.010608429820099963,"num_words":79,"start":767.675,"end":796.41504},{"sentences":[{"text":"Once your super balance hit, say, as an example, if as 06/30/2027, your super balance goes over that $500,000 mark, then the following financial year, you won't be eligible to use these carry forward contributions.","start":797.03503,"end":812.51,"sentiment":"neutral","sentiment_score":-0.04832292768572058},{"text":"So it's just important when you are adding extra money to super that you are just making sure you stay under the cap.","start":812.65,"end":819.915,"sentiment":"neutral","sentiment_score":0.012932725655643837},{"text":"If you think you're gonna go over the cap, then just making sure you have carry forward concessional contributions eligible to you.","start":820.135,"end":826.95,"sentiment":"neutral","sentiment_score":0.010736658195541664},{"text":"What I'm gonna do moving forward as well is I'm gonna make sure we do a catch up every sort of six months.","start":827.11,"end":832.87,"sentiment":"neutral","sentiment_score":0.10111665677117265},{"text":"That way, I can check your contributions for you.","start":832.87,"end":836.15,"sentiment":"neutral","sentiment_score":0.09901061167733537}],"sentiment":"neutral","sentiment_score":0.018385136716200838,"num_words":112,"start":797.03503,"end":836.15},{"sentences":[{"text":"And if I think you're getting close to the cap, we can just go back in and double check the eligible amount for you.","start":836.15,"end":841.805,"sentiment":"neutral","sentiment_score":0.08484749185542266},{"text":"Is that okay?","start":841.805,"end":842.625,"sentiment":"neutral","sentiment_score":0.12274147073427837},{"text":"Yeah.","start":847.645,"end":848.045,"sentiment":"neutral","sentiment_score":0.04999953508377075},{"text":"Well, you can't can't take the money out of sleep anymore.","start":848.045,"end":851.165,"sentiment":"neutral","sentiment_score":-0.254289775070819},{"text":"It's already in there.","start":851.165,"end":852.205,"sentiment":"neutral","sentiment_score":-0.14126410335302353}],"sentiment":"neutral","sentiment_score":-0.021108841566845428,"num_words":43,"start":836.15,"end":852.205},{"sentences":[{"text":"So currently, we just have to wait for you to do your tax return.","start":852.205,"end":855.0,"sentiment":"neutral","sentiment_score":0.027343193601284708},{"text":"When you do your tax return, they will it it'll show eligibility, and, essentially, the ATO does it automatically.","start":855.0,"end":862.46,"sentiment":"neutral","sentiment_score":0.15903864840143606},{"text":"So what happens is when your contributions at the end of the year get reported to the ATO, they report exactly.","start":862.60004,"end":869.365,"sentiment":"neutral","sentiment_score":0.17572249401183354},{"text":"So they'll say you've made that 32,800 of contributions.","start":869.365,"end":872.825,"sentiment":"neutral","sentiment_score":0.18776518520381716},{"text":"The ATO then go, well, your cap last year was 30,000.","start":873.445,"end":876.825,"sentiment":"neutral","sentiment_score":0.15880620276386087}],"sentiment":"neutral","sentiment_score":0.14231711218284593,"num_words":74,"start":852.205,"end":876.825},{"sentences":[{"text":"However, that $2.08 that 2,800, if you had carry forward, and they'll go back to check that you had eligible carry forward amounts, and they'll subtract that from the the earliest financial year available to you.","start":876.885,"end":891.19,"sentiment":"neutral","sentiment_score":0.1790709723201063},{"text":"So you don't have to do anything.","start":891.19,"end":893.27,"sentiment":"neutral","sentiment_score":0.3303233172212328},{"text":"Just do your tax return as normal moving forward.","start":893.27,"end":896.835,"sentiment":"positive","sentiment_score":0.5027918616930643},{"text":"And you if you're fine to keep your contributions going the way you want to if you like, I would just be wanting to make sure we catch up with you every six months and double check how your contributions are going.","start":896.835,"end":908.135,"sentiment":"neutral","sentiment_score":0.33047769218683243},{"text":"If you are close to the cap, we might have to stop those extra going in.","start":908.275,"end":912.57,"sentiment":"neutral","sentiment_score":-0.13051165780052543}],"sentiment":"neutral","sentiment_score":0.2279620138758963,"num_words":110,"start":876.885,"end":912.57},{"sentences":[{"text":"K?","start":912.79,"end":913.29,"sentiment":"neutral","sentiment_score":0.03285440057516098},{"text":"Yeah.","start":913.43,"end":913.93,"sentiment":"neutral","sentiment_score":0.04792463406920433},{"text":"100 per week.","start":916.38995,"end":917.75,"sentiment":"neutral","sentiment_score":0.04059935609499613},{"text":"Yep.","start":917.75,"end":918.25,"sentiment":"neutral","sentiment_score":0.05893367528915405},{"text":"Yep.","start":920.47,"end":920.97,"sentiment":"neutral","sentiment_score":0.12884168326854706}],"sentiment":"neutral","sentiment_score":0.05576463735529354,"num_words":7,"start":912.79,"end":920.97},{"sentences":[{"text":"All good.","start":922.70996,"end":923.26996,"sentiment":"positive","sentiment_score":0.46329692006111145},{"text":"And your income, I've got you down on about 215,800 per annum.","start":923.26996,"end":928.575,"sentiment":"neutral","sentiment_score":0.07392069511115551},{"text":"Is that about right, income wise?","start":928.575,"end":930.515,"sentiment":"neutral","sentiment_score":0.038421886041760445},{"text":"Okay.","start":937.535,"end":938.035,"sentiment":"neutral","sentiment_score":0.021722519770264626},{"text":"So you're on 250,000.","start":939.375,"end":942.47003,"sentiment":"neutral","sentiment_score":0.029230738058686256}],"sentiment":"neutral","sentiment_score":0.08731275878846645,"num_words":25,"start":922.70996,"end":942.47003},{"sentences":[{"text":"The other thing to be mindful is if your your employer your wage plus your super contributions exceeds that $250,000 on a yearly basis, you're also then expected to pay an additional tax.","start":942.97003,"end":957.835,"sentiment":"neutral","sentiment_score":-0.08940250878081177},{"text":"So inside super, you pay 15% tax on contributions that are to put in there.","start":958.215,"end":963.835,"sentiment":"neutral","sentiment_score":-0.007532786329587301},{"text":"If your, gross income and your income earned from your employer plus your super contributions exceeds that 250,000, any exceeds that 250,000.","start":963.895,"end":971.95996,"sentiment":"neutral","sentiment_score":-0.04105251367119225},{"text":"Any super contributions and income over that $250,000 is actually taxed at a at an extra 15%.","start":972.5,"end":980.51996,"sentiment":"neutral","sentiment_score":-0.08101888746023178},{"text":"So just double check with your accountant when you do your tax return what your income looks like and whether this year you might be having to pay that additional tax.","start":980.58,"end":991.66504,"sentiment":"neutral","sentiment_score":-0.038397937412223505}],"sentiment":"neutral","sentiment_score":-0.05537361891592963,"num_words":118,"start":942.97003,"end":991.66504},{"sentences":[{"text":"Okay?","start":991.805,"end":992.305,"sentiment":"neutral","sentiment_score":0.014978518709540369},{"text":"If they do yeah.","start":992.925,"end":995.005,"sentiment":"neutral","sentiment_score":0.03666979260742664},{"text":"If that if that does come through and you do have to pay that additional tax, it's on income and contributions over the 250,000.","start":995.005,"end":1003.29004,"sentiment":"neutral","sentiment_score":-0.056915911535422005},{"text":"So I don't know whether you'll have to pay it on currently or not.","start":1003.29004,"end":1006.65,"sentiment":"neutral","sentiment_score":-0.09314642207963127},{"text":"Just check with your account, and they'll be able to confirm what that looks like.","start":1006.65,"end":1010.11,"sentiment":"neutral","sentiment_score":0.018048473944266636}],"sentiment":"neutral","sentiment_score":-0.038580120476926195,"num_words":58,"start":991.805,"end":1010.11},{"sentences":[{"text":"If you do get a letter from the ATO stating that you do have to pay that additional taxes, $2.09 3 tax, you can elect to have it deducted out of your super funds.","start":1010.65,"end":1020.625,"sentiment":"neutral","sentiment_score":0.027706828406628442},{"text":"So it's not money you'll have to pay out of pocket if you don't wish to.","start":1020.625,"end":1024.385,"sentiment":"neutral","sentiment_score":-0.05469762138091028},{"text":"You can elect on the form just to have it deducted from super.","start":1024.385,"end":1028.005,"sentiment":"neutral","sentiment_score":0.04938912377334558},{"text":"The ATO will then have that extra funds deducted from your super fund for you.","start":1028.225,"end":1032.26,"sentiment":"neutral","sentiment_score":0.0972644050916036},{"text":"It's just a matter of the money obviously comes out of super, is paid to the ATO, and that money is no longer invested for your future.","start":1032.26,"end":1040.74,"sentiment":"neutral","sentiment_score":0.057624386416541204}],"sentiment":"neutral","sentiment_score":0.03546431754671392,"num_words":105,"start":1010.65,"end":1040.74},{"sentences":[{"text":"So as long as you're aware that you're comfortable with that, you do are able to elect it that way.","start":1040.74,"end":1045.9249,"sentiment":"neutral","sentiment_score":0.12872480005025863},{"text":"But I would probably suggest go and speak to your accountant, do your tax return, have them look at all your income and everything, and find out whether that's if two nine three tax is gonna be applicable.","start":1046.3049,"end":1056.8049,"sentiment":"neutral","sentiment_score":0.03080833173896137},{"text":"And then, you know, have a look at whether your contributions for this next year are gonna exceed the cap.","start":1057.67,"end":1063.51,"sentiment":"neutral","sentiment_score":-0.06776821967214346},{"text":"Just making sure that we're not gonna go over that in any way.","start":1063.51,"end":1066.5499,"sentiment":"neutral","sentiment_score":-0.152343977529269},{"text":"Okay?","start":1066.5499,"end":1067.0499,"sentiment":"neutral","sentiment_score":0.04459506273269653}],"sentiment":"neutral","sentiment_score":0.004934473570598208,"num_words":92,"start":1040.74,"end":1067.0499},{"sentences":[{"text":"Does that make sense?","start":1068.79,"end":1070.01,"sentiment":"neutral","sentiment_score":0.1682761274278164},{"text":"Yeah.","start":1070.3099,"end":1070.8099,"sentiment":"neutral","sentiment_score":0.11025246232748032},{"text":"There's a lot too.","start":1071.795,"end":1072.675,"sentiment":"neutral","sentiment_score":0.13996403850615025},{"text":"It is a great thing to earn more money.","start":1072.675,"end":1074.6151,"sentiment":"positive","sentiment_score":0.38134429934951997},{"text":"Yeah.","start":1080.1951,"end":1080.675,"sentiment":"neutral","sentiment_score":0.16619637608528137}],"sentiment":"neutral","sentiment_score":0.260079378752332,"num_words":19,"start":1068.79,"end":1080.675},{"sentences":[{"text":"Yeah.","start":1080.675,"end":1080.995,"sentiment":"neutral","sentiment_score":0.13480570912361145},{"text":"And we'll just double check things.","start":1080.995,"end":1082.675,"sentiment":"neutral","sentiment_score":0.10982238625486691},{"text":"So with your income yeah.","start":1082.675,"end":1084.915,"sentiment":"neutral","sentiment_score":0.04396097436547279},{"text":"Six months.","start":1084.915,"end":1085.555,"sentiment":"neutral","sentiment_score":0.057416122406721115},{"text":"Absolutely.","start":1085.555,"end":1086.055,"sentiment":"neutral","sentiment_score":0.28794920444488525}],"sentiment":"neutral","sentiment_score":0.09442175651590029,"num_words":15,"start":1080.675,"end":1086.055},{"sentences":[{"text":"So with your income, do you feel, like, this year, you should go over that 250,000?","start":1086.26,"end":1092.4401,"sentiment":"neutral","sentiment_score":0.15489534800872207},{"text":"Do you think like, what is your actual base income?","start":1092.5,"end":1095.3201,"sentiment":"neutral","sentiment_score":0.027000212110579014},{"text":"You you reckon you'll go over that $250,000?","start":1102.755,"end":1105.495,"sentiment":"neutral","sentiment_score":0.029101265827193856},{"text":"Yep.","start":1106.6749,"end":1107.1749,"sentiment":"neutral","sentiment_score":0.07090236246585846},{"text":"Okay.","start":1108.115,"end":1108.615,"sentiment":"neutral","sentiment_score":0.04047572240233421}],"sentiment":"neutral","sentiment_score":0.0859032194647524,"num_words":36,"start":1086.26,"end":1108.615},{"sentences":[{"text":"So I'm just having a look at contributions.","start":1109.875,"end":1111.975,"sentiment":"neutral","sentiment_score":0.013714888831600547},{"text":"Now your employer, did they just pay normal 12% contributions?","start":1112.17,"end":1118.1901,"sentiment":"neutral","sentiment_score":-0.0297112625092268},{"text":"Do you get anything like, paid anything additional on top of that aside from the salary sacrifice?","start":1118.41,"end":1123.55,"sentiment":"neutral","sentiment_score":-0.0755624977104804},{"text":"So your employer, they're only paying that 12%.","start":1127.7949,"end":1130.515,"sentiment":"neutral","sentiment_score":-0.18243836052715778},{"text":"You're not paying you, like, 15% employment contributions or anything fun?","start":1130.515,"end":1134.375,"sentiment":"neutral","sentiment_score":-0.18391446633772415}],"sentiment":"neutral","sentiment_score":-0.09175040721203442,"num_words":54,"start":1109.875,"end":1134.375},{"sentences":[{"text":"Yep.","start":1135.875,"end":1136.375,"sentiment":"neutral","sentiment_score":0.0534818172454834},{"text":"Yep.","start":1140.0349,"end":1140.5349,"sentiment":"neutral","sentiment_score":-0.00218808907084167},{"text":"Yep.","start":1142.275,"end":1142.331,"sentiment":"neutral","sentiment_score":0.14760151505470276},{"text":"That's absolutely fine.","start":1142.331,"end":1142.499,"sentiment":"neutral","sentiment_score":0.3191724916299184},{"text":"So if I sort of look at this, $100 per week salary sacrifice at the moment.","start":1142.499,"end":1153.68,"sentiment":"neutral","sentiment_score":0.003251058515161276}],"sentiment":"neutral","sentiment_score":0.05492862065280364,"num_words":22,"start":1135.875,"end":1153.68},{"sentences":[{"text":"Based on an income of 250,000 with 12% employer contributions plus a $100 per week in employer contributions, the expected total contributions for this financial year would be 35,200.","start":1155.02,"end":1172.51,"sentiment":"neutral","sentiment_score":-0.08944314731092289},{"text":"So that does put you over the cap.","start":1172.51,"end":1174.91,"sentiment":"neutral","sentiment_score":-0.04373067943379283},{"text":"Yeah.","start":1174.91,"end":1175.41,"sentiment":"neutral","sentiment_score":0.0014508478343486786},{"text":"Based on 250,000, if you were to maximize the salary sacrifice, it's basically telling me that you realistically couldn't put more than $48.08 on a weekly basis into super.","start":1175.71,"end":1190.515,"sentiment":"neutral","sentiment_score":-0.05086774822196056},{"text":"So you've got the option.","start":1190.515,"end":1191.635,"sentiment":"neutral","sentiment_score":0.032146524637937546}],"sentiment":"neutral","sentiment_score":-0.05912052687361009,"num_words":72,"start":1155.02,"end":1191.635},{"sentences":[{"text":"You can reduce yeah.","start":1191.635,"end":1193.315,"sentiment":"neutral","sentiment_score":0.017466450110077858},{"text":"So you can look to reduce your salary sacrifice back a little bit to try and keep you under the cap.","start":1193.315,"end":1198.855,"sentiment":"neutral","sentiment_score":0.0027447055493082318},{"text":"There is another way of doing it.","start":1199.19,"end":1200.63,"sentiment":"neutral","sentiment_score":0.0613953173160553},{"text":"If you wanted to look at reducing that salary sacrifice back or even stop it for the time then you could, that extra bit of money you could always put away into a savings account, and you can do a lump sum deductible contribution at the end of the financial year as well.","start":1200.63,"end":1214.8899,"sentiment":"neutral","sentiment_score":0.08901173045050423},{"text":"And that deductible contribution works as a bit of a tax deduction for you.","start":1215.4851,"end":1219.805,"sentiment":"neutral","sentiment_score":0.17257216572761536}],"sentiment":"neutral","sentiment_score":0.0776858976995102,"num_words":99,"start":1191.635,"end":1219.805},{"sentences":[{"text":"So that's another option to sort of look at.","start":1219.805,"end":1222.285,"sentiment":"neutral","sentiment_score":0.06173407700326708},{"text":"Maybe have a chat to your accountant about the salary sacrifice and the deductible contribution, see if they can kind of model your tax return for the next financial year based on everything you've given them, and just sort of see what they say about, you know, which way might be better tax wise for you.","start":1222.285,"end":1238.59,"sentiment":"neutral","sentiment_score":0.057703848861690075},{"text":"Okay.","start":1238.65,"end":1239.15,"sentiment":"neutral","sentiment_score":0.03713370114564896},{"text":"Yeah.","start":1248.9049,"end":1249.4049,"sentiment":"neutral","sentiment_score":0.008865054696798325},{"text":"So the total div $2.09 3 expectation based on your if we go on $100 per week, the s and this is just an estimate.","start":1252.745,"end":1265.3899,"sentiment":"neutral","sentiment_score":-0.013937144596129656}],"sentiment":"neutral","sentiment_score":0.037876004024165806,"num_words":92,"start":1219.805,"end":1265.3899},{"sentences":[{"text":"It could be actual could be absolutely different.","start":1265.3899,"end":1268.09,"sentiment":"neutral","sentiment_score":-0.05572405178099871},{"text":"But the expected div two nine three tax on with your current $2.50 of income plus the $100 per week of salary sacrifice and your employer contributions, from what I can see, they're estimating the DIV two nine three tax at the end of the year to be about $4,000 that you would have to pay extra tax off.","start":1268.95,"end":1289.51,"sentiment":"neutral","sentiment_score":-0.024887831123956178},{"text":"Yeah.","start":1296.37,"end":1296.77,"sentiment":"neutral","sentiment_score":0.05855611711740494},{"text":"Yeah.","start":1296.77,"end":1297.25,"sentiment":"neutral","sentiment_score":0.06586845964193344},{"text":"We could have it back.","start":1297.25,"end":1298.37,"sentiment":"neutral","sentiment_score":0.06948784664273262}],"sentiment":"neutral","sentiment_score":-0.01949068433227571,"num_words":74,"start":1265.3899,"end":1298.37},{"sentences":[{"text":"Just keep it down to the the cap.","start":1298.37,"end":1300.195,"sentiment":"neutral","sentiment_score":0.0351021708920598},{"text":"At the end of the financial year, we could have a look at what you've got available to your carry forward contributions, look at whether you have any additional money there, and look at making a one off deductible contribution But, yeah, from what I can see, looking at things, the maximum salary sacrifice to keep you under the cap would be about $48 per week.","start":1300.195,"end":1325.495,"sentiment":"neutral","sentiment_score":0.019372005678826208},{"text":"That's based on your income.","start":1327.955,"end":1329.415,"sentiment":"neutral","sentiment_score":0.004234690591692925},{"text":"Yeah.","start":1331.475,"end":1331.975,"sentiment":"neutral","sentiment_score":0.008275110274553299},{"text":"Yeah.","start":1339.475,"end":1339.955,"sentiment":"neutral","sentiment_score":0.07387523353099823}],"sentiment":"neutral","sentiment_score":0.020527080724728697,"num_words":81,"start":1298.37,"end":1339.955},{"sentences":[{"text":"Yeah.","start":1339.955,"end":1340.28,"sentiment":"neutral","sentiment_score":0.2258940637111664},{"text":"Beautiful.","start":1340.4401,"end":1340.8401,"sentiment":"positive","sentiment_score":0.6607967615127563},{"text":"It's a good thing.","start":1340.8401,"end":1341.64,"sentiment":"positive","sentiment_score":0.6813993006944656},{"text":"Look.","start":1341.64,"end":1341.8,"sentiment":"neutral","sentiment_score":0.0605243518948555},{"text":"You're earning a lot of extra money, and that's fantastic, but it does come with extra tax as well.","start":1341.8,"end":1347.56,"sentiment":"neutral","sentiment_score":0.3052683632428709}],"sentiment":"positive","sentiment_score":0.36434274159658414,"num_words":26,"start":1339.955,"end":1347.56},{"sentences":[{"text":"So just making sure that we you don't wanna pay more than your fair share.","start":1347.56,"end":1351.98,"sentiment":"neutral","sentiment_score":-0.06364715720216434},{"text":"Yeah.","start":1355.265,"end":1355.765,"sentiment":"neutral","sentiment_score":0.1058463528752327},{"text":"Absolutely.","start":1355.825,"end":1356.325,"sentiment":"neutral","sentiment_score":0.179924875497818},{"text":"No.","start":1356.865,"end":1357.265,"sentiment":"neutral","sentiment_score":0.038883090019226074},{"text":"Definitely.","start":1357.265,"end":1357.765,"sentiment":"neutral","sentiment_score":0.10682010650634766}],"sentiment":"neutral","sentiment_score":-0.027538575428096873,"num_words":19,"start":1347.56,"end":1357.765},{"sentences":[{"text":"But do have a chat to your accountant where you do tax return and ask them about the DIV two nine three tax, and they'll be able to let you know whether you have to pay that based on the last year or not.","start":1358.465,"end":1369.1699,"sentiment":"neutral","sentiment_score":0.03403674260797826},{"text":"Okay?","start":1369.1699,"end":1369.6699,"sentiment":"neutral","sentiment_score":0.010449884459376335},{"text":"We do have if you would like us to refer you through to one, absolutely.","start":1374.69,"end":1378.07,"sentiment":"neutral","sentiment_score":0.06732918098568916},{"text":"Did you want us to refer you through to an accountant for the accountant services are completely separate.","start":1378.69,"end":1389.825,"sentiment":"neutral","sentiment_score":0.004288997708095444},{"text":"They will charge you for your personal tax return separately.","start":1389.825,"end":1393.205,"sentiment":"neutral","sentiment_score":-0.013248980790376664}],"sentiment":"neutral","sentiment_score":0.027985413918610324,"num_words":88,"start":1358.465,"end":1393.205},{"sentences":[{"text":"However, when you get an accountant to do your tax return, they do the amount you pay for the next financial year is tax deductible for you.","start":1393.9049,"end":1403.66,"sentiment":"neutral","sentiment_score":0.036585796520941787},{"text":"Yeah.","start":1403.7201,"end":1404.2201,"sentiment":"neutral","sentiment_score":0.044790737330913544},{"text":"Yeah.","start":1405.4,"end":1405.9,"sentiment":"neutral","sentiment_score":0.019409304484725},{"text":"Yes.","start":1407.88,"end":1408.38,"sentiment":"neutral","sentiment_score":0.07035750150680542},{"text":"Beautiful.","start":1408.8401,"end":1409.3401,"sentiment":"positive","sentiment_score":0.5720340013504028}],"sentiment":"neutral","sentiment_score":0.05465832421736371,"num_words":31,"start":1393.9049,"end":1409.3401},{"sentences":[{"text":"Beautiful.","start":1409.7201,"end":1410.2001,"sentiment":"positive","sentiment_score":0.5327019691467285},{"text":"Well, let me know if you do happen to have any questions there.","start":1410.2001,"end":1412.655,"sentiment":"neutral","sentiment_score":0.15362867770286706},{"text":"If you want, I could always send you a bit of an email after the call, just a bit of a recap on things that you could definitely ask them to check for you.","start":1413.135,"end":1420.8151,"sentiment":"neutral","sentiment_score":0.11747937671401922},{"text":"Okay?","start":1420.8151,"end":1421.3151,"sentiment":"neutral","sentiment_score":0.04618510603904724},{"text":"Yep.","start":1422.5751,"end":1423.0751,"sentiment":"neutral","sentiment_score":0.17204058170318604}],"sentiment":"neutral","sentiment_score":0.13484798550605773,"num_words":50,"start":1409.7201,"end":1423.0751},{"sentences":[{"text":"Fantastic.","start":1424.015,"end":1424.515,"sentiment":"positive","sentiment_score":0.623406171798706},{"text":"Easy.","start":1425.055,"end":1425.555,"sentiment":"positive","sentiment_score":0.4833589792251587},{"text":"So, look, it's really good to see your sleep is growing definitely.","start":1426.02,"end":1428.92,"sentiment":"positive","sentiment_score":0.49971479177474976},{"text":"Obviously, income's going really nicely as well.","start":1429.22,"end":1431.88,"sentiment":"positive","sentiment_score":0.36310807721955435},{"text":"You've got your contribution, your extra salary sacrifice at a $100 per week, and you are gonna look to reduce that for this year as well, aren't you?","start":1432.1,"end":1443.185,"sentiment":"neutral","sentiment_score":0.04496717948599586}],"sentiment":"neutral","sentiment_score":0.22253429017276788,"num_words":49,"start":1424.015,"end":1443.185},{"sentences":[{"text":"'40 five?","start":1443.185,"end":1444.005,"sentiment":"neutral","sentiment_score":0.004107519285753369},{"text":"Yeah.","start":1444.0651,"end":1444.385,"sentiment":"neutral","sentiment_score":0.04598703235387802},{"text":"Yeah.","start":1444.385,"end":1444.785,"sentiment":"neutral","sentiment_score":0.08748485147953033},{"text":"Absolutely.","start":1444.785,"end":1445.285,"sentiment":"neutral","sentiment_score":0.15687790513038635},{"text":"Absolutely.","start":1445.825,"end":1446.325,"sentiment":"neutral","sentiment_score":0.05328558385372162}],"sentiment":"neutral","sentiment_score":0.058641735231503844,"num_words":6,"start":1443.185,"end":1446.325},{"sentences":[{"text":"And I'll make sure that we do catch ups with you, each six months so I can check what your contributions are going in.","start":1446.385,"end":1452.225,"sentiment":"neutral","sentiment_score":0.13951076660305262},{"text":"I'll put that in my calendar so my team will give you a call, in six months ago.","start":1452.225,"end":1456.18,"sentiment":"neutral","sentiment_score":0.09687070341573821},{"text":"Hey.","start":1456.18,"end":1456.5,"sentiment":"neutral","sentiment_score":0.12775880098342896},{"text":"Time for a bit of a catch up there, Joe.","start":1456.5,"end":1458.02,"sentiment":"neutral","sentiment_score":0.13944923356175423},{"text":"Let's see how your contributions are going, and we can just make sure that you you this is all going in quite well and that you're not so far exceeding the cap.","start":1458.02,"end":1466.1001,"sentiment":"neutral","sentiment_score":0.26991739543154836}],"sentiment":"neutral","sentiment_score":0.17942986882784787,"num_words":85,"start":1446.385,"end":1466.1001},{"sentences":[{"text":"Okay?","start":1466.1001,"end":1466.6001,"sentiment":"neutral","sentiment_score":0.1525503396987915},{"text":"Excellent.","start":1468.66,"end":1469.16,"sentiment":"positive","sentiment_score":0.7615892291069031},{"text":"Beautiful.","start":1469.4601,"end":1469.9601,"sentiment":"positive","sentiment_score":0.7363933324813843},{"text":"The other thing to sort of look at is your insurances.","start":1471.335,"end":1473.755,"sentiment":"neutral","sentiment_score":0.15375033427368512},{"text":"So you do have your towel policy with your life and TBD.","start":1473.975,"end":1477.755,"sentiment":"neutral","sentiment_score":0.10301239788532257}],"sentiment":"neutral","sentiment_score":0.1760744366508264,"num_words":26,"start":1466.1001,"end":1477.755},{"sentences":[{"text":"In the event of passing away, your life cover, your sum insured, 750,000, and then, obviously, you've got your super paid out on top of that, which is the $3.28.","start":1478.615,"end":1489.4601,"sentiment":"neutral","sentiment_score":0.07958421558141708},{"text":"So if I just sort of work it out together and it just sort of shows if in the event you would have passed away now, your beneficiaries are eligible for the sum insured of a million and 78.","start":1489.4601,"end":1502.165,"sentiment":"neutral","sentiment_score":0.07777407421515538},{"text":"Do you feel that's fairly appropriate for the life cover?","start":1502.305,"end":1505.605,"sentiment":"neutral","sentiment_score":0.02203143686056137},{"text":"Did you wanna look at reviewing that at all?","start":1505.665,"end":1508.005,"sentiment":"neutral","sentiment_score":-0.07841088457239999},{"text":"It's up to you.","start":1511.46,"end":1512.42,"sentiment":"neutral","sentiment_score":0.016870446808752604}],"sentiment":"neutral","sentiment_score":0.0543784082230717,"num_words":92,"start":1478.615,"end":1512.42},{"sentences":[{"text":"Yeah.","start":1512.42,"end":1512.66,"sentiment":"neutral","sentiment_score":0.005509655922651291},{"text":"It depends on what you wanna have covered.","start":1512.66,"end":1514.58,"sentiment":"neutral","sentiment_score":-0.023416029987856746},{"text":"Like, thinking about your scenario now, if you would have passed away now, where would that million dollars go to, and what would you want them to cover with that?","start":1514.58,"end":1532.7051,"sentiment":"neutral","sentiment_score":-0.035036146516601245},{"text":"Absolutely.","start":1532.7051,"end":1533.2051,"sentiment":"neutral","sentiment_score":0.1083298847079277},{"text":"Yeah.","start":1539.6699,"end":1540.1699,"sentiment":"neutral","sentiment_score":0.04361545294523239}],"sentiment":"neutral","sentiment_score":-0.026364820532319023,"num_words":41,"start":1512.42,"end":1540.1699},{"sentences":[{"text":"Well, with with the two perfect.","start":1540.23,"end":1543.19,"sentiment":"neutral","sentiment_score":0.08478375772635142},{"text":"With the two investment properties you've got there, the first one I'm sorry.","start":1543.19,"end":1546.47,"sentiment":"neutral","sentiment_score":0.03416683238286238},{"text":"I don't have suburbs written down.","start":1546.47,"end":1548.15,"sentiment":"neutral","sentiment_score":-0.04206797480583191},{"text":"The first one I had here was valued at 700,000.","start":1548.15,"end":1551.21,"sentiment":"neutral","sentiment_score":-0.005891935154795647},{"text":"Do you know which property you would value at roughly that?","start":1551.635,"end":1554.535,"sentiment":"neutral","sentiment_score":-0.0042227857153524055}],"sentiment":"neutral","sentiment_score":0.012936815740945547,"num_words":46,"start":1540.23,"end":1554.535},{"sentences":[{"text":"$9.50.","start":1559.555,"end":1560.275,"sentiment":"neutral","sentiment_score":-0.009525236673653126},{"text":"And what suburb is that property in?","start":1560.275,"end":1562.4551,"sentiment":"neutral","sentiment_score":0.005777075021926846},{"text":"Butler, WA.","start":1565.555,"end":1566.48,"sentiment":"neutral","sentiment_score":0.02562585100531578},{"text":"Beautiful.","start":1566.7999,"end":1567.28,"sentiment":"positive","sentiment_score":0.6093005537986755},{"text":"Just so I can tell them apart for you.","start":1567.28,"end":1569.44,"sentiment":"positive","sentiment_score":0.4793962869379256}],"sentiment":"neutral","sentiment_score":0.25030165633652357,"num_words":20,"start":1559.555,"end":1569.44},{"sentences":[{"text":"Excellent.","start":1569.44,"end":1569.94,"sentiment":"positive","sentiment_score":0.561819314956665},{"text":"And the mortgage on that property was about 380,000.","start":1570.24,"end":1574.1799,"sentiment":"neutral","sentiment_score":0.12090763159924084},{"text":"Has that kind of reduced, or is that in in interest only?","start":1574.24,"end":1577.7,"sentiment":"neutral","sentiment_score":0.0010226208250969648},{"text":"Yep.","start":1582.08,"end":1582.395,"sentiment":"neutral","sentiment_score":-0.03766139596700668},{"text":"Okay.","start":1590.235,"end":1590.735,"sentiment":"neutral","sentiment_score":-0.10866589844226836}],"sentiment":"neutral","sentiment_score":0.06316383978507172,"num_words":24,"start":1569.44,"end":1590.735},{"sentences":[{"text":"That's the second one I would have here.","start":1593.435,"end":1595.535,"sentiment":"neutral","sentiment_score":-0.031168888555839658},{"text":"Yeah.","start":1595.595,"end":1595.915,"sentiment":"neutral","sentiment_score":-0.010755851864814758},{"text":"I have a secondary one.","start":1595.915,"end":1597.1951,"sentiment":"neutral","sentiment_score":-0.00880035748705268},{"text":"The value of the secondary property was at 550,000.","start":1597.1951,"end":1601.17,"sentiment":"neutral","sentiment_score":-0.006479754681802458},{"text":"Would that have been the one that you took the funds out for?","start":1601.17,"end":1604.13,"sentiment":"neutral","sentiment_score":-0.01195064140483737}],"sentiment":"neutral","sentiment_score":-0.014382913281830648,"num_words":36,"start":1593.435,"end":1604.13},{"sentences":[{"text":"Yep.","start":1604.13,"end":1604.63,"sentiment":"neutral","sentiment_score":0.0013688020408153534},{"text":"Oh, beautiful.","start":1606.29,"end":1607.11,"sentiment":"neutral","sentiment_score":0.19719143956899643},{"text":"And what suburb is that one in?","start":1607.49,"end":1609.5901,"sentiment":"neutral","sentiment_score":0.021757239741938456},{"text":"South Pleasant.","start":1612.53,"end":1613.4951,"sentiment":"neutral","sentiment_score":0.13983451575040817},{"text":"Beautiful.","start":1613.4951,"end":1613.9951,"sentiment":"neutral","sentiment_score":0.32918864488601685}],"sentiment":"neutral","sentiment_score":0.08899307967378543,"num_words":13,"start":1604.13,"end":1613.9951},{"sentences":[{"text":"Yep.","start":1620.4551,"end":1620.9551,"sentiment":"neutral","sentiment_score":0.045259520411491394},{"text":"Beautiful.","start":1621.895,"end":1622.395,"sentiment":"neutral","sentiment_score":0.1724511682987213},{"text":"340,000.","start":1629.88,"end":1631.3201,"sentiment":"neutral","sentiment_score":0.03341143950819969},{"text":"Fantastic.","start":1631.3201,"end":1631.8201,"sentiment":"neutral","sentiment_score":0.2898856997489929},{"text":"And the income was are these properties positive or negatively geared?","start":1632.36,"end":1636.86,"sentiment":"neutral","sentiment_score":-0.007749939961782232}],"sentiment":"neutral","sentiment_score":0.030383899225853384,"num_words":15,"start":1620.4551,"end":1636.86},{"sentences":[{"text":"Yep.","start":1643.5751,"end":1644.0751,"sentiment":"neutral","sentiment_score":0.022397495806217194},{"text":"You're right.","start":1652.4551,"end":1658.3301,"sentiment":"neutral","sentiment_score":-0.03119172528386116},{"text":"37 per month.","start":1659.99,"end":1661.43,"sentiment":"neutral","sentiment_score":-0.010477836709469557},{"text":"Beautiful.","start":1661.43,"end":1661.93,"sentiment":"neutral","sentiment_score":0.16473117470741272},{"text":"$15.37 per fortnight.","start":1663.8301,"end":1665.6749,"sentiment":"neutral","sentiment_score":0.014047288956741491}],"sentiment":"neutral","sentiment_score":0.01354535766877234,"num_words":10,"start":1643.5751,"end":1665.6749},{"sentences":[{"text":"Fantastic.","start":1665.6749,"end":1666.1749,"sentiment":"neutral","sentiment_score":0.26925981044769287},{"text":"That's okay.","start":1668.6349,"end":1669.375,"sentiment":"neutral","sentiment_score":0.03126681037247181},{"text":"Beautiful.","start":1672.955,"end":1673.455,"sentiment":"neutral","sentiment_score":0.2606795132160187},{"text":"Yep.","start":1679.115,"end":1679.52,"sentiment":"neutral","sentiment_score":0.03631297126412392},{"text":"So 1,400 per week rent for that property.","start":1692.48,"end":1695.485,"sentiment":"neutral","sentiment_score":0.03837944031693041}],"sentiment":"neutral","sentiment_score":0.07198626447755557,"num_words":13,"start":1665.6749,"end":1695.485},{"sentences":[{"text":"And how much was the loan, I'm so sorry, that you're paying back per fortnight?","start":1695.485,"end":1698.945,"sentiment":"neutral","sentiment_score":-0.04537213370203972},{"text":"Yes.","start":1705.325,"end":1705.725,"sentiment":"neutral","sentiment_score":0.0893642008304596},{"text":"Perfect.","start":1705.725,"end":1706.225,"sentiment":"positive","sentiment_score":0.33502325415611267},{"text":"Twelve twelve per The other one's negative.","start":1706.845,"end":1712.5599,"sentiment":"neutral","sentiment_score":-0.09150375186332635},{"text":"Yeah.","start":1712.94,"end":1713.44,"sentiment":"neutral","sentiment_score":-0.12613296508789062}],"sentiment":"neutral","sentiment_score":-0.04091415114700794,"num_words":25,"start":1695.485,"end":1713.44},{"sentences":[{"text":"Yeah.","start":1714.78,"end":1715.1799,"sentiment":"neutral","sentiment_score":-0.011788154020905496},{"text":"Yeah.","start":1715.1799,"end":1715.5,"sentiment":"neutral","sentiment_score":0.035360269248485565},{"text":"Definitely.","start":1715.5,"end":1716.0,"sentiment":"neutral","sentiment_score":0.13647964596748352},{"text":"Okay.","start":1719.82,"end":1720.2999,"sentiment":"neutral","sentiment_score":0.1478976309299469},{"text":"Perfect.","start":1720.2999,"end":1720.7999,"sentiment":"neutral","sentiment_score":0.3075776994228363}],"sentiment":"neutral","sentiment_score":0.12310541830956936,"num_words":5,"start":1714.78,"end":1720.7999},{"sentences":[{"text":"So this one the second one is a 100% under your wife's name, and the first one was under your name.","start":1720.94,"end":1727.2251,"sentiment":"neutral","sentiment_score":0.09311060660651752},{"text":"The one in Butler's under your name.","start":1727.2251,"end":1729.005,"sentiment":"neutral","sentiment_score":0.0407185996217387},{"text":"Oh, fifty fifty.","start":1732.265,"end":1733.245,"sentiment":"neutral","sentiment_score":0.03758796056111654},{"text":"Beautiful.","start":1733.305,"end":1733.805,"sentiment":"positive","sentiment_score":0.47348031401634216},{"text":"50% owned.","start":1734.1051,"end":1735.5651,"sentiment":"positive","sentiment_score":0.4212247431278229}],"sentiment":"neutral","sentiment_score":0.1079131358248346,"num_words":34,"start":1720.94,"end":1735.5651},{"sentences":[{"text":"Fantastic.","start":1736.9,"end":1737.4,"sentiment":"positive","sentiment_score":0.7139183878898621},{"text":"Excellent.","start":1737.62,"end":1738.12,"sentiment":"positive","sentiment_score":0.6659550666809082},{"text":"And wanting to get one more property there as well.","start":1738.4199,"end":1740.58,"sentiment":"positive","sentiment_score":0.41179280579090116},{"text":"And I'll do the referral through to the mortgage broker.","start":1740.58,"end":1743.0,"sentiment":"neutral","sentiment_score":0.16935030966997147},{"text":"Essentially, in order to refer you through there, I'll just need to be able to provide them with your name, your phone number, possibly an email, and a time that they can give you a call.","start":1743.22,"end":1751.5599,"sentiment":"neutral","sentiment_score":0.12151499216755231}],"sentiment":"neutral","sentiment_score":0.19941110908985138,"num_words":58,"start":1736.9,"end":1751.5599},{"sentences":[{"text":"When generally best suits the mortgage where they give you a call and have a chat about servicing?","start":1752.185,"end":1757.005,"sentiment":"neutral","sentiment_score":0.09799192100763321},{"text":"Is there a day and time that suits you better, Jo?","start":1757.145,"end":1759.485,"sentiment":"neutral","sentiment_score":0.07579756020144983},{"text":"Anytime?","start":1762.345,"end":1762.845,"sentiment":"neutral","sentiment_score":0.04033476859331131},{"text":"Yep.","start":1763.625,"end":1764.125,"sentiment":"neutral","sentiment_score":0.15267720818519592},{"text":"Beautiful.","start":1764.185,"end":1764.685,"sentiment":"positive","sentiment_score":0.5488531589508057}],"sentiment":"neutral","sentiment_score":0.10435915237758309,"num_words":32,"start":1752.185,"end":1764.685},{"sentences":[{"text":"Fantastic.","start":1765.145,"end":1765.645,"sentiment":"positive","sentiment_score":0.5505379438400269},{"text":"So with your life cover, you're fairly happy with the $7.50 sum insured plus your super benefit.","start":1766.7,"end":1771.6799,"sentiment":"positive","sentiment_score":0.4227214841281666},{"text":"With TBD, you have the same level of cover.","start":1772.5399,"end":1775.5,"sentiment":"neutral","sentiment_score":0.1244045603606436},{"text":"So in the event that you were totally permanently disabled, not able to get back to work again, the sum insured 750,000, we can again claim permanent incapacity against your super.","start":1775.5,"end":1786.515,"sentiment":"neutral","sentiment_score":-0.010524648241698742},{"text":"Are you fairly comfortable with that?","start":1787.135,"end":1788.655,"sentiment":"neutral","sentiment_score":0.031779853627085686}],"sentiment":"neutral","sentiment_score":0.13626342568022665,"num_words":64,"start":1765.145,"end":1788.655},{"sentences":[{"text":"Did you wanna look at maybe increasing or altering that cover for TBD, or do you have any questions about how TB, total permanent disability, works?","start":1788.655,"end":1796.29,"sentiment":"neutral","sentiment_score":0.031750754166681036},{"text":"Yep.","start":1799.0701,"end":1799.5701,"sentiment":"neutral","sentiment_score":0.026144450530409813},{"text":"Yeah.","start":1802.75,"end":1803.25,"sentiment":"neutral","sentiment_score":-0.026287835091352463},{"text":"Yes.","start":1810.9451,"end":1811.4451,"sentiment":"neutral","sentiment_score":0.020186983048915863},{"text":"So for your life and TPD at the moment, the the total paid from was $2,283.83 this year.","start":1814.7051,"end":1824.49,"sentiment":"neutral","sentiment_score":-0.02736879326403141}],"sentiment":"neutral","sentiment_score":0.007509041022747121,"num_words":47,"start":1788.655,"end":1824.49},{"sentences":[{"text":"So these policies do get more and more expensive as you get older.","start":1824.49,"end":1828.65,"sentiment":"neutral","sentiment_score":-0.29189646817170656},{"text":"It does mean that more money is deducted from your super for the premium.","start":1828.65,"end":1832.1901,"sentiment":"neutral","sentiment_score":-0.025246694684028625},{"text":"So if you did wanna increase that, it absolutely does increase the cost of the level of cover.","start":1832.49,"end":1837.615,"sentiment":"neutral","sentiment_score":0.1593791383008162},{"text":"However, it's just making sure that you have the level of protection that meets your goal as well.","start":1838.3151,"end":1843.375,"sentiment":"neutral","sentiment_score":0.17076479188270038},{"text":"Yeah.","start":1843.595,"end":1844.095,"sentiment":"neutral","sentiment_score":0.06559646129608154}],"sentiment":"neutral","sentiment_score":0.029063740512356162,"num_words":64,"start":1824.49,"end":1844.095},{"sentences":[{"text":"I can jump in I'll see if I can get into the portal and have a look for you.","start":1849.47,"end":1854.21,"sentiment":"neutral","sentiment_score":0.0884573738041677},{"text":"Worst case, I could always get an updated quote and email it through to you afterwards.","start":1854.83,"end":1859.47,"sentiment":"neutral","sentiment_score":-0.030671568820253015},{"text":"But let me see if I can jump in because giving you a live quote would be easier on your self.","start":1859.47,"end":1867.745,"sentiment":"neutral","sentiment_score":0.14914718305780775},{"text":"That's okay.","start":1867.885,"end":1868.785,"sentiment":"neutral","sentiment_score":0.20743151009082794},{"text":"And just while this is, like, logging in there, Joe, as well, now you don't have any, like, income protection or anything like that.","start":1876.0449,"end":1883.49,"sentiment":"neutral","sentiment_score":-0.13576947408728302}],"sentiment":"neutral","sentiment_score":0.01802965228604834,"num_words":82,"start":1849.47,"end":1883.49},{"sentences":[{"text":"In the event that you were unable to go to work, I know you've got your investment property income and things, but are you fairly comfortable knowing you wouldn't have any income protection to fall back on?","start":1883.87,"end":1893.005,"sentiment":"neutral","sentiment_score":-0.20542072222844973},{"text":"You would have to, you know, rely on savings, you know, your wife's income if she works, you know, any income from the investment properties that support you.","start":1893.005,"end":1901.985,"sentiment":"neutral","sentiment_score":-0.10916729377848762},{"text":"So income protection pays out a monthly benefit in the event that you're unable to go to work in the short term.","start":1905.5651,"end":1910.9099,"sentiment":"neutral","sentiment_score":-0.21423266963525253},{"text":"So as an example, say, you were sick.","start":1910.9099,"end":1913.63,"sentiment":"neutral","sentiment_score":-0.10757936257869005},{"text":"Yeah.","start":1913.63,"end":1914.0299,"sentiment":"neutral","sentiment_score":-0.10723936557769775}],"sentiment":"neutral","sentiment_score":-0.17019004110867778,"num_words":96,"start":1883.87,"end":1914.0299},{"sentences":[{"text":"You don't have any income protection to fall back on.","start":1914.0299,"end":1916.99,"sentiment":"neutral","sentiment_score":-0.1994386151432991},{"text":"It's something you didn't wanna look at in the past, but just wanting to sort of work out.","start":1916.99,"end":1921.665,"sentiment":"neutral","sentiment_score":-0.17085402458906174},{"text":"Are you still comfortable with that?","start":1921.665,"end":1923.105,"sentiment":"neutral","sentiment_score":-0.08935185025135677},{"text":"Are you wanting to look at income protection now?","start":1923.105,"end":1925.845,"sentiment":"neutral","sentiment_score":-0.08888162424166997},{"text":"I can give you update if you like.","start":1931.025,"end":1933.365,"sentiment":"neutral","sentiment_score":0.1764175370335579}],"sentiment":"neutral","sentiment_score":-0.0979306670088394,"num_words":51,"start":1914.0299,"end":1933.365},{"sentences":[{"text":"Have a look at that for you.","start":1934.05,"end":1935.65,"sentiment":"neutral","sentiment_score":0.2267719336918422},{"text":"Let's do a quote.","start":1935.65,"end":1936.71,"sentiment":"neutral","sentiment_score":0.08334816433489323},{"text":"Sorry.","start":1939.33,"end":1939.5701,"sentiment":"neutral","sentiment_score":-0.06448039412498474},{"text":"I'm still just logging in to the portal.","start":1939.5701,"end":1941.17,"sentiment":"neutral","sentiment_score":-0.10095677897334099},{"text":"Won't be a second.","start":1941.17,"end":1942.13,"sentiment":"neutral","sentiment_score":-0.09589808620512486}],"sentiment":"neutral","sentiment_score":0.027711217602094013,"num_words":24,"start":1934.05,"end":1942.13},{"sentences":[{"text":"It's just gonna do two factor authentications.","start":1942.13,"end":1944.0701,"sentiment":"neutral","sentiment_score":-0.0256875247827598},{"text":"Okay.","start":1974.02,"end":1974.465,"sentiment":"neutral","sentiment_score":0.046672187745571136},{"text":"So I've got your policy here.","start":1974.465,"end":1976.3049,"sentiment":"neutral","sentiment_score":0.10693282137314479},{"text":"I'm just gonna pop in and do a quick live quote for you.","start":1976.3049,"end":1979.525,"sentiment":"neutral","sentiment_score":0.1326299854196035},{"text":"New quote.","start":1979.585,"end":1980.4049,"sentiment":"neutral","sentiment_score":0.06803734414279461}],"sentiment":"neutral","sentiment_score":0.08168003245674331,"num_words":29,"start":1942.13,"end":1980.4049},{"sentences":[{"text":"Okay.","start":2031.0651,"end":2031.5651,"sentiment":"neutral","sentiment_score":0.05697779357433319},{"text":"So you said you wanted to look at, as an example, increasing your life and TBD to a million dollars?","start":2032.1051,"end":2039.46,"sentiment":"neutral","sentiment_score":0.03509871000424027},{"text":"Correct.","start":2049.12,"end":2049.62,"sentiment":"neutral","sentiment_score":-0.051022786647081375},{"text":"Yeah.","start":2049.76,"end":2050.08,"sentiment":"neutral","sentiment_score":-0.0021002963185310364},{"text":"And with life and TBD, your super balance is also paid out.","start":2050.08,"end":2053.575,"sentiment":"neutral","sentiment_score":-0.005552942437740664}],"sentiment":"neutral","sentiment_score":0.01826267432687538,"num_words":35,"start":2031.0651,"end":2053.575},{"sentences":[{"text":"We can claim against your super when you pass away, and that gets paid to your beneficiaries.","start":2053.575,"end":2057.9949,"sentiment":"neutral","sentiment_score":-0.00786369206274257},{"text":"So with the 750 of life plus your current super balance, that gives you a million and 78 of life cover.","start":2058.215,"end":2065.515,"sentiment":"neutral","sentiment_score":0.049671120409454615},{"text":"With CBD, it gives you the same level.","start":2066.73,"end":2069.3901,"sentiment":"neutral","sentiment_score":0.01535913348197937},{"text":"But if you were to claim CBD, unfortunately, it is a taxable payment.","start":2069.61,"end":2075.05,"sentiment":"neutral","sentiment_score":-0.0862060242260878},{"text":"So if you claimed CBD and had the full million and 78 paid out as a lump sum, the government does tax it.","start":2075.05,"end":2082.965,"sentiment":"neutral","sentiment_score":-0.037648756138008575}],"sentiment":"neutral","sentiment_score":-0.011637998472263173,"num_words":82,"start":2053.575,"end":2082.965},{"sentences":[{"text":"It's up to 22%.","start":2082.965,"end":2084.665,"sentiment":"neutral","sentiment_score":-0.009277437347918749},{"text":"So based on that, the estimated tax on a million and 78 would be 237 thousand.","start":2084.8052,"end":2091.625,"sentiment":"neutral","sentiment_score":0.0011804387031588703},{"text":"That that would leave yes.","start":2094.5652,"end":2098.1702,"sentiment":"neutral","sentiment_score":0.006912516430020332},{"text":"So, I mean, realistically, if you were to claim TBD, we would provide advice on, you know, how best to use the funds.","start":2098.47,"end":2104.47,"sentiment":"neutral","sentiment_score":0.06492650087760843},{"text":"That way we can limit the tax if possible, and also, you know, keep money invested as whole years.","start":2104.47,"end":2113.635,"sentiment":"neutral","sentiment_score":0.06831720118459902}],"sentiment":"neutral","sentiment_score":0.041905614846288713,"num_words":67,"start":2082.965,"end":2113.635},{"sentences":[{"text":"But, yeah, if you were to look at so I'm just sort of looking at the increase.","start":2114.735,"end":2120.275,"sentiment":"neutral","sentiment_score":-0.024675847962498665},{"text":"Increase.","start":2126.1902,"end":2126.6301,"sentiment":"neutral","sentiment_score":-0.02761979028582573},{"text":"A million.","start":2126.6301,"end":2127.57,"sentiment":"neutral","sentiment_score":-0.06104369834065437},{"text":"It doesn't like my inputting information.","start":2133.79,"end":2136.305,"sentiment":"neutral","sentiment_score":-0.2417303075393041},{"text":"So a million dollars of life and TBD.","start":2138.045,"end":2140.545,"sentiment":"neutral","sentiment_score":-0.05263528320938349}],"sentiment":"neutral","sentiment_score":-0.07178413862472072,"num_words":34,"start":2114.735,"end":2140.545},{"sentences":[{"text":"And then did you want me to quote giving you income protection as well?","start":2140.925,"end":2145.345,"sentiment":"neutral","sentiment_score":-0.0007154125986354691},{"text":"Yes?","start":2149.005,"end":2149.505,"sentiment":"neutral","sentiment_score":0.06456036865711212},{"text":"Beautiful.","start":2149.7249,"end":2150.2249,"sentiment":"neutral","sentiment_score":0.3173179626464844},{"text":"So based on income of, say, 250,000, would that be right, the income protection?","start":2150.77,"end":2156.7102,"sentiment":"neutral","sentiment_score":0.10972048262400287},{"text":"Yep.","start":2158.6902,"end":2159.1702,"sentiment":"neutral","sentiment_score":0.13613000512123108}],"sentiment":"neutral","sentiment_score":0.06593804247677326,"num_words":31,"start":2140.925,"end":2159.1702},{"sentences":[{"text":"Perfect.","start":2159.1702,"end":2159.6702,"sentiment":"positive","sentiment_score":0.3968644142150879},{"text":"Okay.","start":2167.0952,"end":2167.5952,"sentiment":"neutral","sentiment_score":0.13929803669452667},{"text":"So the $2.50.","start":2167.895,"end":2180.1099,"sentiment":"neutral","sentiment_score":0.05757822965582212},{"text":"We can increase that by And adding new transaction.","start":2180.1099,"end":2210.49,"sentiment":"neutral","sentiment_score":0.0614493303000927},{"text":"Alright.","start":2230.61,"end":2231.01,"sentiment":"neutral","sentiment_score":0.08846926689147949}],"sentiment":"neutral","sentiment_score":0.09002735863129298,"num_words":15,"start":2159.1702,"end":2231.01},{"sentences":[{"text":"So income protection based on 250,000 gives us a monthly benefit of $14,005.83.","start":2231.01,"end":2239.51,"sentiment":"neutral","sentiment_score":0.1343206470975509},{"text":"So adding that, with income protection, do you think you'd wanna have the lowest waiting period?","start":2240.1301,"end":2246.095,"sentiment":"neutral","sentiment_score":0.03866201359778643},{"text":"So that's the time that you would have to be off work in order to make a claim.","start":2246.095,"end":2250.095,"sentiment":"neutral","sentiment_score":-0.06616577485369311},{"text":"So you'd have to be off work and unable to work for, say, thirty days, sixty days, or ninety days.","start":2250.095,"end":2255.315,"sentiment":"neutral","sentiment_score":-0.06752907996997237},{"text":"What sort of waiting period do you think you'd want?","start":2255.695,"end":2258.09,"sentiment":"neutral","sentiment_score":-0.022392280213534833}],"sentiment":"neutral","sentiment_score":-0.0052042560917990545,"num_words":77,"start":2231.01,"end":2258.09},{"sentences":[{"text":"The longer it takes.","start":2261.4302,"end":2262.7302,"sentiment":"neutral","sentiment_score":-0.02451206697151065},{"text":"Yeah.","start":2262.9502,"end":2263.27,"sentiment":"neutral","sentiment_score":-0.006660732440650463},{"text":"But the longer it does take to get the payment to get the claim.","start":2263.27,"end":2267.9302,"sentiment":"neutral","sentiment_score":-0.03456749886806522},{"text":"Yep.","start":2278.075,"end":2278.475,"sentiment":"neutral","sentiment_score":0.04973142594099045},{"text":"So sixty days would be preferable.","start":2278.475,"end":2280.175,"sentiment":"neutral","sentiment_score":0.07533437758684158}],"sentiment":"neutral","sentiment_score":-0.003342934346829469,"num_words":26,"start":2261.4302,"end":2280.175},{"sentences":[{"text":"Let's see what they offer.","start":2282.475,"end":2283.855,"sentiment":"neutral","sentiment_score":0.10949941575527192},{"text":"Beautiful.","start":2287.67,"end":2288.17,"sentiment":"positive","sentiment_score":0.6710039377212524},{"text":"Excellent.","start":2291.19,"end":2291.69,"sentiment":"positive","sentiment_score":0.6468802690505981},{"text":"And they have a benefit period as well, which is how long you can be on a claim for.","start":2292.15,"end":2296.57,"sentiment":"neutral","sentiment_score":0.19561020284891129},{"text":"Benefit periods are two years, five years, or up to age 65.","start":2297.335,"end":2301.415,"sentiment":"neutral","sentiment_score":0.06005847919732332}],"sentiment":"neutral","sentiment_score":0.1658599181590896,"num_words":38,"start":2282.475,"end":2301.415},{"sentences":[{"text":"The longer the benefit period, the more expensive the premiums are gonna be.","start":2301.415,"end":2305.675,"sentiment":"neutral","sentiment_score":-0.029900535224721983},{"text":"Do you think you would realistically just need, you know, a, you know, a a two year benefit period, or do you would would you wanna go a bit longer?","start":2305.8152,"end":2317.43,"sentiment":"neutral","sentiment_score":0.003174411520982782},{"text":"What do you think would be appropriate?","start":2317.43,"end":2318.97,"sentiment":"neutral","sentiment_score":-0.0035927913018635343},{"text":"Yeah.","start":2326.525,"end":2326.925,"sentiment":"neutral","sentiment_score":0.005515154451131821},{"text":"So you reckon two years or five years?","start":2326.925,"end":2329.345,"sentiment":"neutral","sentiment_score":-0.012019069399684668}],"sentiment":"neutral","sentiment_score":-0.006936636477140552,"num_words":59,"start":2301.415,"end":2329.345},{"sentences":[{"text":"Yeah.","start":2335.005,"end":2335.485,"sentiment":"neutral","sentiment_score":-0.036947716027498245},{"text":"So it's like if you had a car accident and broke your back and you couldn't go back to work and you were on an income protection claim, you can be on a claim for up to two years.","start":2335.485,"end":2344.14,"sentiment":"neutral","sentiment_score":-0.04269962676633627},{"text":"At that two year mark, if you still can't go back to work, the claim stops regardless.","start":2344.14,"end":2348.72,"sentiment":"neutral","sentiment_score":-0.03605766550582998},{"text":"Yeah.","start":2349.18,"end":2349.68,"sentiment":"neutral","sentiment_score":0.04095638543367386},{"text":"Two years would be fine?","start":2351.34,"end":2352.54,"sentiment":"neutral","sentiment_score":0.12241620123386383}],"sentiment":"neutral","sentiment_score":-0.02638374733191634,"num_words":63,"start":2335.005,"end":2352.54},{"sentences":[{"text":"Beautiful.","start":2352.54,"end":2353.04,"sentiment":"positive","sentiment_score":0.3784956634044647},{"text":"Alright.","start":2353.18,"end":2353.58,"sentiment":"neutral","sentiment_score":0.15501736104488373},{"text":"So it's estimating the yearly premium to be about $8,900 to to add income protection and increase your life and TPD to a million dollars.","start":2353.58,"end":2364.3052,"sentiment":"neutral","sentiment_score":0.17808541119098664},{"text":"That's that's included in the 8,982.","start":2370.3,"end":2373.18,"sentiment":"neutral","sentiment_score":0.02036636509001255},{"text":"It's estimating the total premium for income protection as well as the increase.","start":2373.18,"end":2377.44,"sentiment":"neutral","sentiment_score":-0.0040390541275533345}],"sentiment":"neutral","sentiment_score":0.1098986693718673,"num_words":46,"start":2352.54,"end":2377.44},{"sentences":[{"text":"If you just kept your life and TPD as it was and did not increase it, but you did take out the income protection, I'm just deleting those from the quote.","start":2377.82,"end":2389.155,"sentiment":"neutral","sentiment_score":-0.08195465106156564},{"text":"The income protection alone.","start":2391.695,"end":2393.8499,"sentiment":"neutral","sentiment_score":-0.05346593167632818},{"text":"Sorry.","start":2414.325,"end":2414.565,"sentiment":"neutral","sentiment_score":-0.1427311897277832},{"text":"It's just loading.","start":2414.565,"end":2415.205,"sentiment":"neutral","sentiment_score":-0.1695056309302648},{"text":"Won't be a second.","start":2415.205,"end":2416.265,"sentiment":"neutral","sentiment_score":-0.14540113136172295}],"sentiment":"neutral","sentiment_score":-0.09272815157161203,"num_words":43,"start":2377.82,"end":2416.265},{"sentences":[{"text":"The income protection alone is, again, about $8,000.","start":2440.915,"end":2445.89,"sentiment":"neutral","sentiment_score":-0.16782011091709137},{"text":"It's pretty expensive, the income protection component for you.","start":2445.89,"end":2449.27,"sentiment":"neutral","sentiment_score":-0.18964681505329078},{"text":"Yeah.","start":2449.3298,"end":2449.8298,"sentiment":"neutral","sentiment_score":-0.021756384521722794},{"text":"That's okay.","start":2452.45,"end":2453.0898,"sentiment":"neutral","sentiment_score":0.18112387508153913},{"text":"You're happy just with the cover you have now, just leaving it as is for the time being?","start":2453.0898,"end":2466.4316,"sentiment":"neutral","sentiment_score":0.2602400247835451}],"sentiment":"neutral","sentiment_score":0.051984989182337335,"num_words":38,"start":2440.915,"end":2466.4316},{"sentences":[{"text":"Yep.","start":2466.9185,"end":2467.4185,"sentiment":"neutral","sentiment_score":-0.011787224560976028},{"text":"The the life insurance and TBD.","start":2467.905,"end":2470.085,"sentiment":"neutral","sentiment_score":-0.02633546106517315},{"text":"Mhmm.","start":2476.51,"end":2477.01,"sentiment":"neutral","sentiment_score":-0.04518525674939155},{"text":"Let's have a look.","start":2479.87,"end":2480.9102,"sentiment":"neutral","sentiment_score":-0.013028733432292938},{"text":"I'll just delete this TBD off here.","start":2480.9102,"end":2483.385,"sentiment":"neutral","sentiment_score":-0.026474735034363612}],"sentiment":"neutral","sentiment_score":-0.02381175403532229,"num_words":19,"start":2466.9185,"end":2483.385},{"sentences":[{"text":"Two seconds.","start":2492.665,"end":2493.225,"sentiment":"neutral","sentiment_score":-0.01242747437208891},{"text":"It's gonna go back into it just because it's a a little bit loading.","start":2493.225,"end":2496.38,"sentiment":"neutral","sentiment_score":-0.033093337900936604},{"text":"So if we just look at increasing the life of TBD, that's your current life, current GST.","start":2497.88,"end":2503.5798,"sentiment":"neutral","sentiment_score":-0.008495569348965278},{"text":"And three.","start":2505.72,"end":2506.6199,"sentiment":"neutral","sentiment_score":-0.005494641372933984},{"text":"Yay.","start":2522.135,"end":2522.615,"sentiment":"neutral","sentiment_score":0.2083648443222046}],"sentiment":"neutral","sentiment_score":-0.012089188797593428,"num_words":36,"start":2492.665,"end":2522.615},{"sentences":[{"text":"You're fine.","start":2522.615,"end":2523.3398,"sentiment":"neutral","sentiment_score":0.20863793045282364},{"text":"You're absolutely fine.","start":2523.3398,"end":2527.93,"sentiment":"neutral","sentiment_score":0.26260196169217426},{"text":"Okay.","start":2547.11,"end":2547.51,"sentiment":"neutral","sentiment_score":0.07201038300991058},{"text":"So if you just look to increase the life in TPD, the extra premium I'll just have to add this up because it's kind of subtracted it all back.","start":2547.51,"end":2557.29,"sentiment":"neutral","sentiment_score":-0.01584655019717596},{"text":"Okay.","start":2558.6301,"end":2559.11,"sentiment":"neutral","sentiment_score":0.015710871666669846}],"sentiment":"neutral","sentiment_score":0.02314591791501799,"num_words":36,"start":2522.615,"end":2559.11},{"sentences":[{"text":"$4.00 2.","start":2559.11,"end":2560.125,"sentiment":"neutral","sentiment_score":0.026597121730446815},{"text":"It's bringing the total premium for the discount to about 3,500 per year.","start":2572.2998,"end":2582.48,"sentiment":"neutral","sentiment_score":0.06656607383718857},{"text":"Yeah.","start":2587.9749,"end":2588.295,"sentiment":"neutral","sentiment_score":0.06930701434612274},{"text":"Right now, you paid 2,283, which does increase.","start":2588.295,"end":2592.315,"sentiment":"neutral","sentiment_score":0.048689424293115735},{"text":"But with the level of cover you have at the moment, you've got your life and TBD with the sum insured of 750,000.","start":2592.935,"end":2599.275,"sentiment":"neutral","sentiment_score":0.025396340243194416}],"sentiment":"neutral","sentiment_score":0.04173386037508224,"num_words":47,"start":2559.11,"end":2599.275},{"sentences":[{"text":"And then with your current super balance, that does push you over that thousand dollar, dollar sorry, million dollar mark of some insured.","start":2599.4949,"end":2606.1301,"sentiment":"neutral","sentiment_score":0.02025449170690516},{"text":"Yeah.","start":2611.47,"end":2611.87,"sentiment":"neutral","sentiment_score":0.03420567885041237},{"text":"Your super balance is added on.","start":2611.87,"end":2613.79,"sentiment":"neutral","sentiment_score":0.025451084754119318},{"text":"Yeah.","start":2613.79,"end":2614.29,"sentiment":"neutral","sentiment_score":0.12290151417255402},{"text":"Yeah.","start":2621.325,"end":2621.7249,"sentiment":"neutral","sentiment_score":0.10433439165353776}],"sentiment":"neutral","sentiment_score":0.027500043826876208,"num_words":32,"start":2599.4949,"end":2621.7249},{"sentences":[{"text":"Correct.","start":2621.7249,"end":2622.2249,"sentiment":"neutral","sentiment_score":0.14591529965400696},{"text":"Yeah.","start":2622.525,"end":2623.025,"sentiment":"neutral","sentiment_score":0.051776982843875885},{"text":"No.","start":2627.405,"end":2627.905,"sentiment":"negative","sentiment_score":-0.3863952159881592},{"text":"No.","start":2627.9648,"end":2628.445,"sentiment":"negative","sentiment_score":-0.3729097247123718},{"text":"So that's you don't pay the the extra tax on your on the life cover or your super balance.","start":2628.445,"end":2634.2898,"sentiment":"neutral","sentiment_score":-0.2410824816477926}],"sentiment":"neutral","sentiment_score":-0.22357303519611774,"num_words":23,"start":2621.7249,"end":2634.2898},{"sentences":[{"text":"That's paid out to your beneficiary if you would have passed away.","start":2634.2898,"end":2637.1099,"sentiment":"neutral","sentiment_score":-0.20188026440640292},{"text":"But if you, yeah, were t p d and you took, say, the $1,300,000 out as a lump sum, and once you claimed on that, then absolutely there is up to 22% tax on that lump sum payout.","start":2637.73,"end":2650.685,"sentiment":"neutral","sentiment_score":0.2909999287834293},{"text":"If we leave it in there, yeah, if we leave it in there and draw it out in smaller regular increments in the way of a disability benefit, that can sort of reduce the the tax side of things a little bit.","start":2655.7852,"end":2666.93,"sentiment":"neutral","sentiment_score":0.25916871499447597},{"text":"It also keeps money invested, so it lasts you longer as well.","start":2666.93,"end":2670.2898,"sentiment":"positive","sentiment_score":0.6205019826690356},{"text":"So if you were to be TBD, we would provide the advice to help you along with that.","start":2670.2898,"end":2675.025,"sentiment":"positive","sentiment_score":0.3587999153468344}],"sentiment":"neutral","sentiment_score":0.27397493786010585,"num_words":122,"start":2634.2898,"end":2675.025},{"sentences":[{"text":"It's also important to note that with these power policies, they do go through a renewal every year.","start":2675.345,"end":2680.145,"sentiment":"neutral","sentiment_score":0.05716778358651532},{"text":"So every year, the policy does increase a little bit.","start":2680.145,"end":2683.1848,"sentiment":"neutral","sentiment_score":0.0678754348307848},{"text":"So if you think back to your last annual review Oh.","start":2683.1848,"end":2686.9448,"sentiment":"neutral","sentiment_score":0.05995359102433378},{"text":"It says here it was the same amount, so yours doesn't seem increase much.","start":2687.105,"end":2690.75,"sentiment":"neutral","sentiment_score":0.03741495444306305},{"text":"They normally increase along with indexation, but it looks like yours stays exactly the same.","start":2691.29,"end":2695.77,"sentiment":"neutral","sentiment_score":0.0536272590359052}],"sentiment":"neutral","sentiment_score":0.054345326498150826,"num_words":68,"start":2675.345,"end":2695.77},{"sentences":[{"text":"But these policies do get more and more expensive as you get older.","start":2695.77,"end":2699.47,"sentiment":"neutral","sentiment_score":-0.21075556283959976},{"text":"So you'll pay 2 thousand 200 now for the premium in, say, another 3 or 4 years, you could be paying over 3,000 dollars for the same yeah.","start":2699.69,"end":2708.915,"sentiment":"neutral","sentiment_score":0.035195388997505815},{"text":"Because it does get more expensive.","start":2708.915,"end":2710.5352,"sentiment":"neutral","sentiment_score":-0.1314242146909237},{"text":"That's correct.","start":2713.235,"end":2714.0352,"sentiment":"neutral","sentiment_score":0.08092785999178886},{"text":"Yeah.","start":2714.0352,"end":2714.355,"sentiment":"neutral","sentiment_score":-0.04344787076115608}],"sentiment":"neutral","sentiment_score":-0.04848977727815509,"num_words":50,"start":2695.77,"end":2714.355},{"sentences":[{"text":"But you don't want it to sort of eat away your super.","start":2714.355,"end":2716.7551,"sentiment":"negative","sentiment_score":-0.4644397708276908},{"text":"So you wanna make sure your super is growing and that you're getting the returns to cover the insurance premiums, but also provide, you know, a bit more growth for longevity as well.","start":2716.7551,"end":2726.3298,"sentiment":"positive","sentiment_score":0.3478119228825425},{"text":"Because a lot of people, when they get into their, you know, fifties, their insurance premiums can be anywhere between 15 to $20,000 a year.","start":2726.3298,"end":2734.185,"sentiment":"neutral","sentiment_score":-0.13883768811821937},{"text":"So at that age, those insurance premiums get very expensive.","start":2734.2651,"end":2737.965,"sentiment":"neutral","sentiment_score":-0.24800338447093964},{"text":"Yeah.","start":2740.105,"end":2740.605,"sentiment":"neutral","sentiment_score":-0.01624789834022522}],"sentiment":"neutral","sentiment_score":-0.000774169639672762,"num_words":81,"start":2714.355,"end":2740.605},{"sentences":[{"text":"It's up to you.","start":2747.465,"end":2748.605,"sentiment":"neutral","sentiment_score":-0.028163760900497437},{"text":"It's absolutely up you.","start":2748.665,"end":2749.86,"sentiment":"neutral","sentiment_score":-0.03340609325096011},{"text":"Do you want me to send it is.","start":2749.86,"end":2753.32,"sentiment":"neutral","sentiment_score":-0.07832631003111601},{"text":"It is.","start":2753.54,"end":2754.28,"sentiment":"neutral","sentiment_score":0.011009970679879189},{"text":"Yeah.","start":2754.7402,"end":2755.2402,"sentiment":"neutral","sentiment_score":0.028032734990119938}],"sentiment":"neutral","sentiment_score":-0.043307222131835785,"num_words":19,"start":2747.465,"end":2755.2402},{"sentences":[{"text":"I'll send you a recap email after the call if you like.","start":2755.3801,"end":2757.86,"sentiment":"neutral","sentiment_score":0.07214420288801193},{"text":"That way, you can have a think about what it is that you're after.","start":2757.86,"end":2760.4402,"sentiment":"neutral","sentiment_score":0.08136771379836968},{"text":"There is obviously a risk involved that if you do increase your insurance policy, you'll to go back to an application for the increased amount.","start":2760.9802,"end":2767.9648,"sentiment":"neutral","sentiment_score":-0.2535353910923004},{"text":"So if there are any changes to your health, if you've had, you know, back pain or any other issues, since we put that first policy into force, there could be explosions or loadings that make the policy more expensive than expected.","start":2767.9648,"end":2780.305,"sentiment":"neutral","sentiment_score":-0.22150533628605662},{"text":"So it is about going through a new application as well.","start":2780.99,"end":2783.71,"sentiment":"neutral","sentiment_score":0.011094590479677374}],"sentiment":"neutral","sentiment_score":-0.12994894209819344,"num_words":104,"start":2755.3801,"end":2783.71},{"sentences":[{"text":"But if it's something that meets your goal that you're actually wanting to do, we can definitely look at helping you out in doing that for you.","start":2783.71,"end":2790.29,"sentiment":"neutral","sentiment_score":0.2186220713235714},{"text":"That's okay.","start":2796.1099,"end":2796.645,"sentiment":"neutral","sentiment_score":0.12670625746250153},{"text":"Okay.","start":2797.045,"end":2797.365,"sentiment":"neutral","sentiment_score":0.09296821057796478},{"text":"If you like, I'll put a little recap in the email there for you.","start":2797.365,"end":2800.805,"sentiment":"neutral","sentiment_score":0.12136614908065115},{"text":"That way, you can mull it over.","start":2800.805,"end":2802.5051,"sentiment":"neutral","sentiment_score":0.1447493348802839}],"sentiment":"neutral","sentiment_score":0.17571662906922547,"num_words":51,"start":2783.71,"end":2802.5051},{"sentences":[{"text":"And if you decide you wanna go ahead and look at increasing it, just let me know, and we can talk about that in more detail.","start":2802.805,"end":2808.425,"sentiment":"neutral","sentiment_score":0.11521451605054048},{"text":"How does that sound?","start":2808.485,"end":2810.5,"sentiment":"neutral","sentiment_score":0.09553940407931805},{"text":"Yep.","start":2811.52,"end":2811.92,"sentiment":"neutral","sentiment_score":0.1319350302219391},{"text":"Beautiful.","start":2811.92,"end":2812.42,"sentiment":"positive","sentiment_score":0.45266443490982056},{"text":"All good.","start":2812.48,"end":2812.96,"sentiment":"positive","sentiment_score":0.36462095379829407}],"sentiment":"neutral","sentiment_score":0.1379875413635198,"num_words":34,"start":2802.805,"end":2812.96},{"sentences":[{"text":"Now the only other type of insurance I have to go through with you is called trauma.","start":2812.96,"end":2816.58,"sentiment":"neutral","sentiment_score":-0.11616620596717386},{"text":"You don't have any trauma.","start":2816.96,"end":2818.42,"sentiment":"neutral","sentiment_score":-0.07416480779647827},{"text":"So trauma pays out a lump sum benefit in the event that you're diagnosed or have, say, a heart attack, cancer, Parkinson's, other neurological disorders like MS.","start":2818.48,"end":2829.0151,"sentiment":"neutral","sentiment_score":0.01719714249311774},{"text":"It's major traumatic diagnosis thing.","start":2829.0151,"end":2832.475,"sentiment":"neutral","sentiment_score":-0.22314434349536896},{"text":"You have to pay trauma out of your back pocket, so not everyone wants to.","start":2832.855,"end":2836.7952,"sentiment":"neutral","sentiment_score":-0.17680776168902715}],"sentiment":"neutral","sentiment_score":-0.08187195414380319,"num_words":69,"start":2812.96,"end":2836.7952},{"sentences":[{"text":"And you can also get child trauma policies to cover your kids in the event of them getting, you know, diagnoses like cancer.","start":2837.095,"end":2843.49,"sentiment":"neutral","sentiment_score":-0.026298619644797367},{"text":"Did you wanna look at getting any additional cover for trauma or child trauma out of your back pocket, or you're happy just to leave this as it is for the moment?","start":2843.79,"end":2850.825,"sentiment":"neutral","sentiment_score":0.015292369876988232},{"text":"Yep.","start":2853.145,"end":2853.645,"sentiment":"positive","sentiment_score":0.35476672649383545},{"text":"Beautiful.","start":2853.7048,"end":2854.185,"sentiment":"positive","sentiment_score":0.592181921005249},{"text":"What I'll do, Jo, because we did go through a lot with the insurance, there's a lot a lot kinda covered.","start":2854.185,"end":2858.425,"sentiment":"neutral","sentiment_score":0.1792810470575378}],"sentiment":"neutral","sentiment_score":0.05892741307616234,"num_words":78,"start":2837.095,"end":2858.425},{"sentences":[{"text":"I'll add a little recap into the email for you just so you can take that back.","start":2858.425,"end":2862.505,"sentiment":"neutral","sentiment_score":0.1463498516994364},{"text":"Have a bit of a look at what we've gone through the things we've discussed.","start":2862.505,"end":2865.2449,"sentiment":"neutral","sentiment_score":0.1051546057065328},{"text":"And if you have additional questions or wanna come back and revisit any of it, you can let me know.","start":2865.48,"end":2870.3599,"sentiment":"neutral","sentiment_score":0.07209428595378994},{"text":"Okay?","start":2870.3599,"end":2870.8599,"sentiment":"neutral","sentiment_score":0.03420676290988922},{"text":"Beautiful.","start":2872.3599,"end":2872.8599,"sentiment":"neutral","sentiment_score":0.2805991768836975}],"sentiment":"neutral","sentiment_score":0.10781404117329253,"num_words":54,"start":2858.425,"end":2872.8599},{"sentences":[{"text":"Combias insurances are very complex, aren't they?","start":2873.24,"end":2876.38,"sentiment":"neutral","sentiment_score":-0.145414942077228},{"text":"Yeah.","start":2882.995,"end":2883.3152,"sentiment":"neutral","sentiment_score":0.02170746214687824},{"text":"That's okay.","start":2883.3152,"end":2884.215,"sentiment":"neutral","sentiment_score":0.07592451199889183},{"text":"Now with your super, I can see having a look at your investments, there's one that is underperforming a little bit at the moment.","start":2884.5151,"end":2891.175,"sentiment":"neutral","sentiment_score":-0.13836705304371813},{"text":"We have a couple of options.","start":2891.9001,"end":2893.1802,"sentiment":"neutral","sentiment_score":-0.0838781086107095}],"sentiment":"neutral","sentiment_score":-0.11671065082773566,"num_words":40,"start":2873.24,"end":2893.1802},{"sentences":[{"text":"I can look to go back and do some advice and maybe review your super and the the way it's invested, maybe look at a newer portfolio that might be cheaper, better for you, you know, working harder towards your goals, or we can just hold it off for six months and reevaluate it then.","start":2893.1802,"end":2908.2349,"sentiment":"neutral","sentiment_score":-0.056147338585420085},{"text":"What would you like to do?","start":2908.2349,"end":2910.9749,"sentiment":"neutral","sentiment_score":-0.06469227994481723},{"text":"Get rid of it?","start":2916.7148,"end":2917.515,"sentiment":"neutral","sentiment_score":-0.1738787330687046},{"text":"Yeah.","start":2917.515,"end":2917.835,"sentiment":"neutral","sentiment_score":0.04309885203838349},{"text":"Absolutely.","start":2917.835,"end":2918.335,"sentiment":"neutral","sentiment_score":0.13042113184928894}],"sentiment":"neutral","sentiment_score":-0.05967540672021126,"num_words":67,"start":2893.1802,"end":2918.335},{"sentences":[{"text":"I've got some other options that I can look at.","start":2918.7148,"end":2921.08,"sentiment":"neutral","sentiment_score":0.037681253254413606},{"text":"I just wanna run through a real quick risk profile with you just to sorta gauge whether your risk tolerance has changed at all.","start":2921.08,"end":2927.9,"sentiment":"neutral","sentiment_score":0.019732092041522264},{"text":"The first one here is just looking at do you you do you have any shares of cryptocurrency or anything in your own name?","start":2928.52,"end":2936.365,"sentiment":"neutral","sentiment_score":0.011596142644217858},{"text":"Have you ever invested in any shares before?","start":2936.365,"end":2938.705,"sentiment":"neutral","sentiment_score":-0.015451788029167801},{"text":"No.","start":2938.925,"end":2939.425,"sentiment":"neutral","sentiment_score":-0.05190856009721756}],"sentiment":"neutral","sentiment_score":0.014226377621960284,"num_words":67,"start":2918.7148,"end":2939.425},{"sentences":[{"text":"Absolutely.","start":2940.765,"end":2941.265,"sentiment":"neutral","sentiment_score":0.33239057660102844},{"text":"Beautiful.","start":2941.645,"end":2942.145,"sentiment":"positive","sentiment_score":0.5138368606567383},{"text":"With your goal age for accessing super, I know originally we were sort of looking at between, sorry, I believe 60 to 65 mark.","start":2942.845,"end":2950.67,"sentiment":"neutral","sentiment_score":0.10851039628808697},{"text":"Are you sort of wanting to keep at the same age, or are you feeling you'd like to try and access super at the earliest possible possible opportunity?","start":2950.89,"end":2957.975,"sentiment":"neutral","sentiment_score":0.0846334643928068},{"text":"60 if you retire?","start":2961.7952,"end":2963.175,"sentiment":"neutral","sentiment_score":0.012757980264723301}],"sentiment":"neutral","sentiment_score":0.10122837710740237,"num_words":58,"start":2940.765,"end":2963.175},{"sentences":[{"text":"Yeah.","start":2965.875,"end":2966.375,"sentiment":"neutral","sentiment_score":0.13359937071800232},{"text":"Yep.","start":2967.5552,"end":2968.0352,"sentiment":"neutral","sentiment_score":0.13805590569972992},{"text":"Absolutely.","start":2968.0352,"end":2968.5352,"sentiment":"neutral","sentiment_score":0.1992257833480835},{"text":"Now the next question here is about how you feel about risk.","start":2969.395,"end":2972.86,"sentiment":"neutral","sentiment_score":-0.06389229030658801},{"text":"So when you think about your super, do you feel comfortable taking on a higher level of risk to try and get greater returns to make your super work harder?","start":2972.86,"end":2980.72,"sentiment":"neutral","sentiment_score":-0.1003407072275877}],"sentiment":"neutral","sentiment_score":-0.07346772534979715,"num_words":45,"start":2965.875,"end":2980.72},{"sentences":[{"text":"Do you feel like you're comfortable taking on a moderate or medium amount of risk to get the best returns you can, or are you concerned about the ups and downs in the market and not wanting to take on any risk and understand the returns are lower because of that?","start":2981.02,"end":2993.965,"sentiment":"neutral","sentiment_score":-0.16116950120411666},{"text":"Yeah.","start":2997.545,"end":2998.045,"sentiment":"neutral","sentiment_score":-0.13204169273376465},{"text":"Yeah.","start":3001.225,"end":3001.725,"sentiment":"neutral","sentiment_score":-0.0491461381316185},{"text":"Yeah.","start":3001.7852,"end":3002.22,"sentiment":"neutral","sentiment_score":-0.03302083536982536},{"text":"Do you think you'd be in between one and two?","start":3002.3,"end":3004.56,"sentiment":"neutral","sentiment_score":-0.045297513343393804}],"sentiment":"neutral","sentiment_score":-0.1388566931418609,"num_words":64,"start":2981.02,"end":3004.56},{"sentences":[{"text":"Yep.","start":3006.3,"end":3006.7,"sentiment":"neutral","sentiment_score":0.159561425447464},{"text":"Beautiful.","start":3006.7,"end":3007.2,"sentiment":"positive","sentiment_score":0.4727823734283447},{"text":"Excellent.","start":3007.42,"end":3007.92,"sentiment":"positive","sentiment_score":0.5641393065452576},{"text":"The next one here, it says, if you saw your super full by, say, 20% in the next six to twelve months, how do you think you might be feeling?","start":3009.0999,"end":3016.88,"sentiment":"neutral","sentiment_score":0.09091371161242326},{"text":"This is due to extra market factors.","start":3017.02,"end":3019.225,"sentiment":"neutral","sentiment_score":-0.045104194432497025}],"sentiment":"neutral","sentiment_score":0.09020412731915713,"num_words":40,"start":3006.3,"end":3019.225},{"sentences":[{"text":"Yes.","start":3019.365,"end":3019.865,"sentiment":"neutral","sentiment_score":-0.016933301463723183},{"text":"If the O chart was still tweeting and we still had this war going in the next twelve months and the market took a bigger dip because of what was going on globally, do you think you'd be feeling concerned?","start":3019.925,"end":3030.5051,"sentiment":"neutral","sentiment_score":-0.1794317251071334},{"text":"And if you wanted to call us see what's happening, see what we can do to sort of help you out, would you be a bit scared wanting to take money out, or do you think it's a buying opportunity?","start":3030.805,"end":3040.0,"sentiment":"neutral","sentiment_score":-0.09621317377313972},{"text":"You're not retiring for the next ten to twenty years, and you might wanna put some money in and take advantage of it.","start":3040.0,"end":3052.515,"sentiment":"neutral","sentiment_score":-0.265223595759143},{"text":"Yeah.","start":3052.515,"end":3053.015,"sentiment":"neutral","sentiment_score":-0.14309899508953094}],"sentiment":"neutral","sentiment_score":-0.16462829480213778,"num_words":105,"start":3019.365,"end":3053.015},{"sentences":[{"text":"Yeah.","start":3053.315,"end":3053.815,"sentiment":"neutral","sentiment_score":-0.12493054568767548},{"text":"Mhmm.","start":3059.06,"end":3059.56,"sentiment":"neutral","sentiment_score":-0.053571976721286774},{"text":"Yep.","start":3059.86,"end":3060.36,"sentiment":"neutral","sentiment_score":0.029346637427806858},{"text":"Yeah.","start":3062.18,"end":3062.58,"sentiment":"neutral","sentiment_score":0.1436709761619568},{"text":"That's okay.","start":3062.58,"end":3063.38,"sentiment":"neutral","sentiment_score":0.21647712588310242}],"sentiment":"neutral","sentiment_score":0.07124489049116771,"num_words":6,"start":3053.315,"end":3063.38},{"sentences":[{"text":"Not a problem at all.","start":3063.38,"end":3064.84,"sentiment":"neutral","sentiment_score":0.28088500499725344},{"text":"The next one here is asking, have you ever considered borrowing from a bank or financial institution in order to invest in, say, shares or manage funds, or do you feel like that's a bit too risky?","start":3065.7,"end":3077.185,"sentiment":"neutral","sentiment_score":-0.10537685846557489},{"text":"You're just comfortable borrowing to invest in property?","start":3077.185,"end":3080.085,"sentiment":"neutral","sentiment_score":-0.1420637397095561},{"text":"Yep.","start":3085.985,"end":3086.485,"sentiment":"neutral","sentiment_score":-0.008822467178106308},{"text":"Yep.","start":3086.705,"end":3087.0,"sentiment":"neutral","sentiment_score":-0.002336990088224411}],"sentiment":"neutral","sentiment_score":-0.0700420790996689,"num_words":52,"start":3063.38,"end":3087.0},{"sentences":[{"text":"What was the main main reason for wanting to look into that?","start":3090.68,"end":3094.3,"sentiment":"neutral","sentiment_score":-0.09438532032072544},{"text":"Yeah.","start":3100.92,"end":3101.42,"sentiment":"neutral","sentiment_score":-0.029195085167884827},{"text":"So the biggest thing I should probably let you know is the rules have now changed the self managed super funds.","start":3101.615,"end":3107.155,"sentiment":"neutral","sentiment_score":-0.05946008524014836},{"text":"So, yeah, they no longer allow you to borrow for, like, the type of loans that they have inside those trust accounts.","start":3107.4548,"end":3116.72,"sentiment":"neutral","sentiment_score":-0.11557811447842554},{"text":"It's called a limited recourse borrowing scheme or arrangement.","start":3116.72,"end":3120.74,"sentiment":"neutral","sentiment_score":-0.08315277844667435}],"sentiment":"neutral","sentiment_score":-0.08771652682469441,"num_words":65,"start":3090.68,"end":3120.74},{"sentences":[{"text":"We can't do that for residential properties anymore as of the August 10, which basically means two weeks.","start":3121.44,"end":3128.0,"sentiment":"neutral","sentiment_score":-0.1256767465836472},{"text":"Yeah.","start":3128.0,"end":3128.5,"sentiment":"neutral","sentiment_score":-0.020319854840636253},{"text":"So the only real way to be able to do that is to either have all the funds, enough money to go in and buy a residential property outright, or utilizing that borrowing scheme for commercial property.","start":3128.6948,"end":3141.515,"sentiment":"neutral","sentiment_score":-0.012590780267429009},{"text":"Commercial property does definitely have its own level of risks, and commercial property can be rented for long periods of time.","start":3141.98,"end":3149.52,"sentiment":"neutral","sentiment_score":-0.08009834911319472},{"text":"So there are a lot of different changes that have come into play here.","start":3150.2998,"end":3153.42,"sentiment":"neutral","sentiment_score":-0.06097211954849107}],"sentiment":"neutral","sentiment_score":-0.05806632053073762,"num_words":91,"start":3121.44,"end":3153.42},{"sentences":[{"text":"So it does limit a lot of people's, you know, once around borrowing inside of self managed super fund.","start":3153.42,"end":3159.545,"sentiment":"neutral","sentiment_score":-0.23947106458638845},{"text":"And I can sort of understand where it came from because there has been a lot of interest around self managed super funds and putting money into property in that way.","start":3159.545,"end":3167.725,"sentiment":"neutral","sentiment_score":-0.07641532716731872},{"text":"But a lot of people with lower balances have also been doing it.","start":3169.38,"end":3172.5798,"sentiment":"neutral","sentiment_score":-0.17520479685985124},{"text":"They don't find they get a lot of additional growth or someone in their forties like you and I who wants to, you know, buy a property.","start":3172.5798,"end":3180.435,"sentiment":"neutral","sentiment_score":-0.12188425094441131},{"text":"We don't really wanna have to work for the next thirty odd years.","start":3180.5151,"end":3183.475,"sentiment":"neutral","sentiment_score":-0.2604617327451706}],"sentiment":"neutral","sentiment_score":-0.1541103400941034,"num_words":103,"start":3153.42,"end":3183.475},{"sentences":[{"text":"We hope to retire at 60.","start":3183.475,"end":3185.2551,"sentiment":"neutral","sentiment_score":-0.1849606509009997},{"text":"But, you know, having a thirty year loan means we might have to work till 70 if we can't pay it down quicker.","start":3185.955,"end":3191.395,"sentiment":"neutral","sentiment_score":-0.24074575823286307},{"text":"So, there is a lot of risk involved with doing something like that.","start":3191.395,"end":3195.54,"sentiment":"neutral","sentiment_score":-0.19107501380718672},{"text":"It is still a possibility.","start":3195.5999,"end":3197.06,"sentiment":"neutral","sentiment_score":-0.027801021188497543},{"text":"It's just the type of property and the type of borrowing capacity within those super funds is no longer available for residential.","start":3197.28,"end":3204.74,"sentiment":"neutral","sentiment_score":-0.11782648888501254}],"sentiment":"neutral","sentiment_score":-0.17191419399518898,"num_words":69,"start":3183.475,"end":3204.74},{"sentences":[{"text":"Down the track, if you end up with we get you a million dollars in super and you wanna sort of transition in and buy a property outright, absolutely fine.","start":3206.1848,"end":3213.145,"sentiment":"neutral","sentiment_score":0.16548815866311392},{"text":"We can help you with that if it's appropriate to your goals.","start":3213.145,"end":3216.045,"sentiment":"positive","sentiment_score":0.34600353613495827},{"text":"But the benefit to having the way your super is at the moment is that you can hold listed assets, listed property, and still be growing your super and keep it in this sort of environment.","start":3216.585,"end":3226.8298,"sentiment":"positive","sentiment_score":0.4588087693684631},{"text":"It's not an industry fund.","start":3226.97,"end":3228.3298,"sentiment":"neutral","sentiment_score":0.1525146707892418},{"text":"It's a little bit more, you know, more of a a retail fund, but you get access to investments to be able to grow and alter your super and keep it working harder for you in the you know?","start":3228.3298,"end":3239.625,"sentiment":"neutral","sentiment_score":0.25398033188703734}],"sentiment":"neutral","sentiment_score":0.2975541736747398,"num_words":122,"start":3206.1848,"end":3239.625},{"sentences":[{"text":"So there are some good benefits to the way your super is structured now as well.","start":3239.625,"end":3243.725,"sentiment":"positive","sentiment_score":0.4837287776172161},{"text":"Yeah.","start":3245.865,"end":3246.365,"sentiment":"neutral","sentiment_score":0.3265618681907654},{"text":"All good.","start":3246.665,"end":3247.385,"sentiment":"positive","sentiment_score":0.5577197670936584},{"text":"Beautiful.","start":3247.385,"end":3247.885,"sentiment":"positive","sentiment_score":0.5780230760574341},{"text":"Now with that risk profile questionnaire, you have essentially scored and you are in a growth portfolio at the moment.","start":3248.4,"end":3254.96,"sentiment":"neutral","sentiment_score":0.16859031692147255}],"sentiment":"neutral","sentiment_score":0.3282872814685106,"num_words":40,"start":3239.625,"end":3254.96},{"sentences":[{"text":"So it sees about 80% in those growth in assets.","start":3254.96,"end":3258.3198,"sentiment":"neutral","sentiment_score":0.18258308619260788},{"text":"So think about things like Australian shares, international shares, listed property, and also commodities like gold and silver, and then a small component about 20% in low risk defensive investments, things like cash, bonds, and fixed interest.","start":3258.3198,"end":3272.075,"sentiment":"neutral","sentiment_score":0.22021553584852735},{"text":"For your age and stage, this generally suits where you are.","start":3272.135,"end":3275.355,"sentiment":"neutral","sentiment_score":0.10466308722441847},{"text":"That growth environment suits someone who has at least six years before accessing their funds.","start":3275.575,"end":3280.32,"sentiment":"neutral","sentiment_score":0.006119439005851745},{"text":"It also generally is expected to see a negative return, say, one in about every five odd years, and you're looking to try and obtain a return of around seven to 9% compound on a yearly basis there.","start":3280.94,"end":3294.375,"sentiment":"neutral","sentiment_score":-0.1777184499721778}],"sentiment":"neutral","sentiment_score":0.04021252372914606,"num_words":111,"start":3254.96,"end":3294.375},{"sentences":[{"text":"Do you feel like that kind of level of exposure and environment is still comfortable for you?","start":3294.375,"end":3298.935,"sentiment":"neutral","sentiment_score":-0.03906392810099265},{"text":"Did you have more questions about that?","start":3298.935,"end":3301.0352,"sentiment":"neutral","sentiment_score":-0.03313004145664828},{"text":"Yeah.","start":3308.47,"end":3308.97,"sentiment":"neutral","sentiment_score":0.03518935292959213},{"text":"It it does definitely suit where you're at, what's happening.","start":3309.35,"end":3312.31,"sentiment":"positive","sentiment_score":0.36322237104177474},{"text":"You've got a lot of yeah.","start":3312.31,"end":3313.4302,"sentiment":"positive","sentiment_score":0.4447898169358571}],"sentiment":"neutral","sentiment_score":0.13268670480607486,"num_words":41,"start":3294.375,"end":3313.4302},{"sentences":[{"text":"It is growing and working and compounding, which is what we wanna see.","start":3313.4302,"end":3316.87,"sentiment":"positive","sentiment_score":0.45752625740491426},{"text":"I mean, when you sort of look at where your balance was in the last review to now, you've definitely had a really good return.","start":3316.87,"end":3322.09,"sentiment":"positive","sentiment_score":0.4634721398353577},{"text":"And the fact that even with the ups and downs this year, we've still come out with a 5% return net of fees.","start":3322.3252,"end":3327.5251,"sentiment":"positive","sentiment_score":0.43682935963506286},{"text":"It has worked really well.","start":3327.5251,"end":3329.0652,"sentiment":"positive","sentiment_score":0.680394446849823},{"text":"And you can absolutely state that environment.","start":3330.0051,"end":3332.185,"sentiment":"positive","sentiment_score":0.422936030796596}],"sentiment":"positive","sentiment_score":0.4649896515558844,"num_words":73,"start":3313.4302,"end":3332.185},{"sentences":[{"text":"But are you comfortable with that?","start":3332.245,"end":3333.7651,"sentiment":"neutral","sentiment_score":0.0793741208811601},{"text":"Did you have questions around it?","start":3333.7651,"end":3339.0798,"sentiment":"neutral","sentiment_score":0.0005397855614622434},{"text":"Yep.","start":3339.0798,"end":3339.5798,"sentiment":"neutral","sentiment_score":0.09687651693820952},{"text":"Beautiful.","start":3339.64,"end":3340.1199,"sentiment":"positive","sentiment_score":0.4827647209167481},{"text":"If you ever find you're not, you can always let me know, and we can always delve deeper into it.","start":3340.1199,"end":3344.76,"sentiment":"neutral","sentiment_score":0.13153866063803435}],"sentiment":"neutral","sentiment_score":0.10852640850798172,"num_words":34,"start":3332.245,"end":3344.76},{"sentences":[{"text":"Okay?","start":3344.76,"end":3345.26,"sentiment":"neutral","sentiment_score":0.10867001116275787},{"text":"Excellent.","start":3347.7998,"end":3348.2998,"sentiment":"positive","sentiment_score":0.4426179826259613},{"text":"Perfect.","start":3348.705,"end":3349.205,"sentiment":"positive","sentiment_score":0.39468497037887573},{"text":"Now just updating the last things in your risk in your fax line here as well.","start":3350.0652,"end":3354.645,"sentiment":"neutral","sentiment_score":0.12087323423475027},{"text":"Have you ever had a will and power of attorney done up?","start":3354.865,"end":3357.5852,"sentiment":"neutral","sentiment_score":0.00831989455036819}],"sentiment":"neutral","sentiment_score":0.09612204666219411,"num_words":31,"start":3344.76,"end":3357.5852},{"sentences":[{"text":"Is it something you and your wife have spoken about doing?","start":3357.5852,"end":3360.165,"sentiment":"neutral","sentiment_score":-0.004493962973356247},{"text":"Oh, that's that's terrible.","start":3366.48,"end":3368.9,"sentiment":"negative","sentiment_score":-0.3646382577717304},{"text":"Yeah.","start":3369.1199,"end":3369.6199,"sentiment":"neutral","sentiment_score":-0.04329157993197441},{"text":"It is definitely worth doing.","start":3370.8,"end":3372.5,"sentiment":"neutral","sentiment_score":0.02157934233546257},{"text":"Might, yeah, might be worth, chatting to that account and to that, sorry, solicitor again and going, hey.","start":3374.155,"end":3381.275,"sentiment":"neutral","sentiment_score":-0.020121113914582465}],"sentiment":"neutral","sentiment_score":-0.04629644980797401,"num_words":39,"start":3357.5852,"end":3381.275},{"sentences":[{"text":"Where's my will?","start":3381.275,"end":3381.9949,"sentiment":"neutral","sentiment_score":-0.06093037873506546},{"text":"Let's get this sorted.","start":3381.9949,"end":3383.135,"sentiment":"neutral","sentiment_score":-0.02330502704717219},{"text":"Definitely have a chat to your wife, talk about what you want, what your goals are, because it is definitely worthwhile having a will in place.","start":3383.4348,"end":3390.05,"sentiment":"positive","sentiment_score":0.572522868330662},{"text":"Okay?","start":3390.11,"end":3390.61,"sentiment":"neutral","sentiment_score":0.1778004765510559},{"text":"Yeah.","start":3393.07,"end":3393.3901,"sentiment":"neutral","sentiment_score":0.05451761186122894}],"sentiment":"positive","sentiment_score":0.42405432630330325,"num_words":35,"start":3381.275,"end":3393.3901},{"sentences":[{"text":"And power of attorney as well is really important to make sure in the event that you can't make decisions on your behalf that the person you appoint to do that knows exactly what you want to happen in those instances.","start":3393.3901,"end":3403.9048,"sentiment":"neutral","sentiment_score":-0.001351817397446167},{"text":"Okay?","start":3404.525,"end":3405.025,"sentiment":"neutral","sentiment_score":0.044104352593421936},{"text":"Excellent.","start":3405.7249,"end":3406.2249,"sentiment":"positive","sentiment_score":0.5827680826187134},{"text":"With the I'll after the call, I'll do a little recap for you so we can go through it'll basically outline things that we have sort of gone through today to make it easier on you.","start":3407.085,"end":3415.32,"sentiment":"positive","sentiment_score":0.357191344930066},{"text":"And, also, I'll do update referral through to the mortgage broker for you as well.","start":3415.8801,"end":3420.4402,"sentiment":"neutral","sentiment_score":0.13977212011814116}],"sentiment":"neutral","sentiment_score":0.16517998022522698,"num_words":94,"start":3393.3901,"end":3420.4402},{"sentences":[{"text":"So he'll contact you and have a bit of a chat about your borrowing capacity and what you're able to borrow.","start":3420.4402,"end":3425.58,"sentiment":"neutral","sentiment_score":0.1405028264437403},{"text":"You have the two investment properties that you're currently renting where you live at the moment.","start":3426.36,"end":3430.76,"sentiment":"neutral","sentiment_score":0.11961192544549704},{"text":"Is that right?","start":3430.76,"end":3436.805,"sentiment":"neutral","sentiment_score":0.014387692014376322},{"text":"Yes.","start":3438.625,"end":3438.9448,"sentiment":"neutral","sentiment_score":0.009699291549623013},{"text":"Yeah.","start":3438.9448,"end":3439.1848,"sentiment":"neutral","sentiment_score":0.005550426431000233}],"sentiment":"neutral","sentiment_score":0.11720864182072026,"num_words":42,"start":3420.4402,"end":3439.1848},{"sentences":[{"text":"And how much are you paying for that on a regular a weekly basis?","start":3439.1848,"end":3442.545,"sentiment":"neutral","sentiment_score":0.008984570990183524},{"text":"Is it all at the moment?","start":3442.545,"end":3445.98,"sentiment":"neutral","sentiment_score":-0.006508102950950463},{"text":"Okay.","start":3446.0398,"end":3446.44,"sentiment":"neutral","sentiment_score":0.0016592834144830704},{"text":"3 40 3 per fortnight.","start":3446.44,"end":3448.0398,"sentiment":"neutral","sentiment_score":0.0029737042263150216},{"text":"Yeah.","start":3448.0398,"end":3448.3599,"sentiment":"neutral","sentiment_score":0.10911837220191956}],"sentiment":"neutral","sentiment_score":0.007865983440920158,"num_words":27,"start":3439.1848,"end":3448.3599},{"sentences":[{"text":"Beautiful.","start":3448.3599,"end":3448.8599,"sentiment":"positive","sentiment_score":0.4171026349067688},{"text":"Through that.","start":3450.5198,"end":3451.42,"sentiment":"neutral","sentiment_score":0.2451494112610817},{"text":"Beautiful.","start":3451.72,"end":3452.22,"sentiment":"positive","sentiment_score":0.39404797554016113},{"text":"And is there any other assets that you need to maybe note down?","start":3452.8398,"end":3455.5598,"sentiment":"neutral","sentiment_score":0.10385930595489648},{"text":"Anything else of value?","start":3455.5598,"end":3456.855,"sentiment":"neutral","sentiment_score":0.0669412761926651}],"sentiment":"neutral","sentiment_score":0.139018357864448,"num_words":21,"start":3448.3599,"end":3456.855},{"sentences":[{"text":"Any other cars, boats, caravans, tools of trade?","start":3456.855,"end":3459.995,"sentiment":"neutral","sentiment_score":0.027580325957387686},{"text":"40,000?","start":3466.215,"end":3467.095,"sentiment":"neutral","sentiment_score":0.00944395177066326},{"text":"Yes.","start":3467.095,"end":3467.595,"sentiment":"neutral","sentiment_score":0.037244655191898346},{"text":"Fantastic.","start":3468.0698,"end":3468.5698,"sentiment":"neutral","sentiment_score":0.2692585587501526},{"text":"And is it owned outright?","start":3469.1099,"end":3470.5698,"sentiment":"neutral","sentiment_score":0.07765841856598854}],"sentiment":"neutral","sentiment_score":0.0578051166376099,"num_words":16,"start":3456.855,"end":3470.5698},{"sentences":[{"text":"Fantastic.","start":3473.5898,"end":3474.0898,"sentiment":"neutral","sentiment_score":0.29517674446105957},{"text":"And your car as well?","start":3474.15,"end":3475.1099,"sentiment":"neutral","sentiment_score":0.10555518567562103},{"text":"What kind of car do you drive?","start":3475.1099,"end":3476.5698,"sentiment":"neutral","sentiment_score":0.019385259066309248},{"text":"Oh, Fantastic.","start":3480.5498,"end":3482.555,"sentiment":"neutral","sentiment_score":0.19881409406661987},{"text":"300 series.","start":3482.555,"end":3483.6748,"sentiment":"neutral","sentiment_score":0.10031474381685257}],"sentiment":"neutral","sentiment_score":0.0915827742394279,"num_words":17,"start":3473.5898,"end":3483.6748},{"sentences":[{"text":"I had a value of 30,000 on that last year.","start":3483.6748,"end":3486.2349,"sentiment":"neutral","sentiment_score":0.034279095754027364},{"text":"Would you change or alter that value?","start":3486.2349,"end":3488.095,"sentiment":"neutral","sentiment_score":-0.003920128302914756},{"text":"Okay.","start":3491.355,"end":3491.835,"sentiment":"neutral","sentiment_score":0.08580369502305984},{"text":"Fantastic.","start":3491.835,"end":3492.335,"sentiment":"neutral","sentiment_score":0.2782464921474457},{"text":"Do you guys have a secondary vehicle as well?","start":3492.7148,"end":3495.135,"sentiment":"neutral","sentiment_score":0.06541950172848171}],"sentiment":"neutral","sentiment_score":0.045291991505239694,"num_words":28,"start":3483.6748,"end":3495.135},{"sentences":[{"text":"This one.","start":3497.07,"end":3497.7102,"sentiment":"neutral","sentiment_score":-0.07665137760341167},{"text":"Beautiful.","start":3497.7102,"end":3498.2102,"sentiment":"positive","sentiment_score":0.33638450503349304},{"text":"Oh, fantastic.","start":3499.6301,"end":3500.51,"sentiment":"positive","sentiment_score":0.3951304256916046},{"text":"And the Land Cruiser, do you own that outright, or do you have a loan on that vehicle?","start":3500.51,"end":3504.2102,"sentiment":"neutral","sentiment_score":0.04588964907452464},{"text":"No.","start":3504.51,"end":3505.01,"sentiment":"neutral","sentiment_score":-0.186139777302742}],"sentiment":"neutral","sentiment_score":0.06721735446869086,"num_words":24,"start":3497.07,"end":3505.01},{"sentences":[{"text":"Okay.","start":3510.35,"end":3510.83,"sentiment":"neutral","sentiment_score":0.00364796444773674},{"text":"Three years left.","start":3510.83,"end":3511.515,"sentiment":"neutral","sentiment_score":-0.005494528139630954},{"text":"And how much do you pay for that out of your income on a regular basis?","start":3511.515,"end":3514.6548,"sentiment":"neutral","sentiment_score":-0.013179489236790687},{"text":"Yep.","start":3521.355,"end":3521.855,"sentiment":"neutral","sentiment_score":0.061214547604322433},{"text":"Yeah.","start":3532.6501,"end":3532.8901,"sentiment":"neutral","sentiment_score":0.096110537648201}],"sentiment":"neutral","sentiment_score":-0.0030173801139674397,"num_words":22,"start":3510.35,"end":3532.8901},{"sentences":[{"text":"You're alright.","start":3532.8901,"end":3533.37,"sentiment":"neutral","sentiment_score":0.15176258981227875},{"text":"That's okay.","start":3533.37,"end":3534.11,"sentiment":"neutral","sentiment_score":0.22355259209871292},{"text":"Perfect.","start":3561.725,"end":3562.225,"sentiment":"neutral","sentiment_score":0.2275338917970657},{"text":"Yep.","start":3563.165,"end":3563.665,"sentiment":"neutral","sentiment_score":0.1207297295331955},{"text":"$37.45 $4.09.","start":3571.325,"end":3573.165,"sentiment":"neutral","sentiment_score":0.1350005641579628}],"sentiment":"neutral","sentiment_score":0.17111188918352127,"num_words":8,"start":3532.8901,"end":3573.165},{"sentences":[{"text":"Beautiful.","start":3573.165,"end":3573.565,"sentiment":"positive","sentiment_score":0.5692882537841797},{"text":"Thank you for updating that for me.","start":3573.565,"end":3575.165,"sentiment":"positive","sentiment_score":0.6332801239831107},{"text":"Excellent.","start":3575.165,"end":3575.665,"sentiment":"positive","sentiment_score":0.4036688506603241},{"text":"And the only other thing to confirm is your beneficiaries on your super and your life insurance.","start":3576.8699,"end":3581.43,"sentiment":"neutral","sentiment_score":0.18708064494764104},{"text":"We have it noted here.","start":3581.43,"end":3582.47,"sentiment":"neutral","sentiment_score":0.14263955056667327}],"sentiment":"neutral","sentiment_score":0.2999834415893401,"num_words":31,"start":3573.165,"end":3582.47},{"sentences":[{"text":"A 100% of the benefits be paid to, that's your spouse.","start":3582.47,"end":3586.63,"sentiment":"neutral","sentiment_score":0.18240408734841781},{"text":"You're happy with the way that is structured?","start":3586.63,"end":3588.345,"sentiment":"neutral","sentiment_score":0.2599239610135555},{"text":"Yes.","start":3590.425,"end":3590.925,"sentiment":"neutral","sentiment_score":0.2762788236141205},{"text":"Beautiful.","start":3591.305,"end":3591.805,"sentiment":"positive","sentiment_score":0.4594718813896179},{"text":"Excellent.","start":3592.025,"end":3592.525,"sentiment":"neutral","sentiment_score":0.2550002932548523}],"sentiment":"neutral","sentiment_score":0.23075398396361957,"num_words":22,"start":3582.47,"end":3592.525},{"sentences":[{"text":"And the last 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track?","start":3741.53,"end":3744.1099,"sentiment":"neutral","sentiment_score":0.04925419661131772}],"sentiment":"neutral","sentiment_score":0.16272498509197525,"num_words":33,"start":3732.525,"end":3744.1099},{"sentences":[{"text":"Okay.","start":3757.465,"end":3757.965,"sentiment":"neutral","sentiment_score":0.0820649117231369},{"text":"Yep.","start":3758.5051,"end":3759.0051,"sentiment":"neutral","sentiment_score":0.09872429072856904},{"text":"Okay.","start":3761.945,"end":3762.445,"sentiment":"neutral","sentiment_score":0.109743133187294},{"text":"Beautiful.","start":3762.5852,"end":3763.0852,"sentiment":"neutral","sentiment_score":0.2646390497684479},{"text":"Yep.","start":3766.2651,"end":3766.7651,"sentiment":"neutral","sentiment_score":0.1149708330631256}],"sentiment":"neutral","sentiment_score":0.13402844369411468,"num_words":5,"start":3757.465,"end":3766.7651},{"sentences":[{"text":"Absolutely.","start":3769.7,"end":3770.2,"sentiment":"positive","sentiment_score":0.4378443956375122},{"text":"Fantastic.","start":3770.5798,"end":3771.0798,"sentiment":"positive","sentiment_score":0.5701128840446472},{"text":"Is there any other goals that you might have in the next, you know, one, two, five, or ten years that you might wanna note down as well?","start":3771.38,"end":3777.4,"sentiment":"neutral","sentiment_score":0.20612890113677299},{"text":"Yep.","start":3782.42,"end":3782.92,"sentiment":"neutral","sentiment_score":0.0973312258720398},{"text":"Build that property portfolio.","start":3783.7798,"end":3785.295,"sentiment":"neutral","sentiment_score":0.1292881052941084}],"sentiment":"neutral","sentiment_score":0.21125857595886502,"num_words":35,"start":3769.7,"end":3785.295},{"sentences":[{"text":"Fantastic.","start":3785.295,"end":3785.795,"sentiment":"positive","sentiment_score":0.44307494163513184},{"text":"Excellent.","start":3787.375,"end":3787.855,"sentiment":"positive","sentiment_score":0.3421937823295593},{"text":"And you're thinking about handing the properties over to your kids in the future as well, sort of building that for them to inherit?","start":3787.855,"end":3793.7148,"sentiment":"neutral","sentiment_score":0.09471554402261972},{"text":"Yep.","start":3793.855,"end":3794.355,"sentiment":"neutral","sentiment_score":0.06100980564951897},{"text":"The generational wealth.","start":3797.775,"end":3799.055,"sentiment":"neutral","sentiment_score":0.19628615180651346}],"sentiment":"neutral","sentiment_score":0.1236103347192208,"num_words":30,"start":3785.295,"end":3799.055},{"sentences":[{"text":"I love that.","start":3799.055,"end":3799.8599,"sentiment":"positive","sentiment_score":0.5033095677693685},{"text":"Fantastic.","start":3799.8599,"end":3800.3599,"sentiment":"positive","sentiment_score":0.5847568511962891},{"text":"Beautiful.","start":3801.14,"end":3801.64,"sentiment":"positive","sentiment_score":0.5364264845848083},{"text":"Well, that's basically everything I needed from you.","start":3802.0198,"end":3804.74,"sentiment":"neutral","sentiment_score":0.21629250049591064},{"text":"Obviously, you do pay the ongoing service fee.","start":3804.74,"end":3806.66,"sentiment":"neutral","sentiment_score":0.1108645498752594}],"sentiment":"neutral","sentiment_score":0.24992230676469349,"num_words":21,"start":3799.055,"end":3806.66},{"sentences":[{"text":"You have signed that document, so thank you so much for doing that.","start":3806.66,"end":3809.7998,"sentiment":"neutral","sentiment_score":0.27749065825572383},{"text":"The ongoing service fee is 1.65% per annum.","start":3810.0198,"end":3813.0598,"sentiment":"neutral","sentiment_score":0.06824090937152505},{"text":"That is deducted in smaller inside of your super there.","start":3813.0598,"end":3815.915,"sentiment":"neutral","sentiment_score":0.08040962889790534},{"text":"So it does continue for the next twelve months.","start":3815.915,"end":3818.175,"sentiment":"neutral","sentiment_score":0.07446933703290091},{"text":"I'll do a little recap with what we've gone through.","start":3818.555,"end":3820.795,"sentiment":"neutral","sentiment_score":0.08087038099765778}],"sentiment":"neutral","sentiment_score":0.128726599290967,"num_words":50,"start":3806.66,"end":3820.795},{"sentences":[{"text":"We've touched on a lot of areas, a lot of different things.","start":3820.795,"end":3823.775,"sentiment":"neutral","sentiment_score":0.0751937994112571},{"text":"I'll go through and do a bit of a recap email for you with what we've gone over, the areas we've discussed, what we're looking at now.","start":3824.395,"end":3831.01,"sentiment":"neutral","sentiment_score":0.08918326968948047},{"text":"I'll go back and also just review your super investments and do a little an investment switch advice document for you, which we'll have in a few weeks.","start":3831.39,"end":3839.09,"sentiment":"neutral","sentiment_score":0.09951170001711164},{"text":"I'll limit that to just the investment switch for you.","start":3839.47,"end":3842.475,"sentiment":"neutral","sentiment_score":0.11323602870106697},{"text":"And anything additional you need advice on, you can always let me know.","start":3842.5552,"end":3845.5952,"sentiment":"neutral","sentiment_score":0.08289133671384591}],"sentiment":"neutral","sentiment_score":0.09229499043689834,"num_words":90,"start":3820.795,"end":3845.5952},{"sentences":[{"text":"We can come back and reevaluate.","start":3845.5952,"end":3847.135,"sentiment":"neutral","sentiment_score":0.07488013493518035},{"text":"Is that okay?","start":3847.355,"end":3848.235,"sentiment":"neutral","sentiment_score":0.06119633590181669},{"text":"Are you comfortable with that?","start":3848.235,"end":3849.615,"sentiment":"neutral","sentiment_score":-0.1306859701871872},{"text":"Yep.","start":3850.395,"end":3850.895,"sentiment":"neutral","sentiment_score":-0.06267295777797699},{"text":"Beautiful.","start":3851.5952,"end":3852.0952,"sentiment":"positive","sentiment_score":0.40915173292160034}],"sentiment":"neutral","sentiment_score":0.02036992134526372,"num_words":16,"start":3845.5952,"end":3852.0952},{"sentences":[{"text":"Look.","start":3852.155,"end":3852.475,"sentiment":"neutral","sentiment_score":0.293580561876297},{"text":"I've taken up so much of your time, Jo, but I thank you so much for that.","start":3852.475,"end":3856.02,"sentiment":"positive","sentiment_score":0.4573856565882178},{"text":"Have you got any questions for me that's come out of any of this, or is there anything that I may have not touched on that you wanted to maybe bring up with me as well?","start":3856.1,"end":3863.72,"sentiment":"neutral","sentiment_score":0.1622307346098953},{"text":"On your insurances?","start":3873.315,"end":3874.9348,"sentiment":"neutral","sentiment_score":-0.006072028540074825},{"text":"Let me have a quick.","start":3877.555,"end":3878.9348,"sentiment":"neutral","sentiment_score":0.0016248486936092377}],"sentiment":"neutral","sentiment_score":0.2241830859303234,"num_words":62,"start":3852.155,"end":3878.9348},{"sentences":[{"text":"Yeah.","start":3885.6,"end":3885.84,"sentiment":"neutral","sentiment_score":0.05455612763762474},{"text":"That's okay.","start":3885.84,"end":3886.4001,"sentiment":"neutral","sentiment_score":0.10441512614488602},{"text":"Let's have a bit of a look.","start":3886.4001,"end":3887.6,"sentiment":"neutral","sentiment_score":0.08059085958770343},{"text":"So as long as the application, when it was submitted, was correct, it's fine.","start":3887.6,"end":3892.1802,"sentiment":"neutral","sentiment_score":0.12526497670582362},{"text":"They sort of don't mind if you weren't smoking then and you've taken it up now.","start":3892.815,"end":3896.815,"sentiment":"neutral","sentiment_score":0.023068638402037323}],"sentiment":"neutral","sentiment_score":0.07375825713388622,"num_words":40,"start":3885.6,"end":3896.815},{"sentences":[{"text":"That's fine.","start":3896.815,"end":3897.295,"sentiment":"neutral","sentiment_score":0.07661685347557068},{"text":"We don't have to go back and disclose that at all.","start":3897.295,"end":3899.955,"sentiment":"neutral","sentiment_score":-0.0965563700619069},{"text":"But if you were smoking back then and didn't disclose it, that becomes a bit of a question.","start":3900.895,"end":3906.415,"sentiment":"neutral","sentiment_score":-0.11787172945009337},{"text":"Yeah.","start":3906.415,"end":3906.815,"sentiment":"neutral","sentiment_score":-0.03879012167453766},{"text":"I'm Okay.","start":3906.815,"end":3912.4102,"sentiment":"neutral","sentiment_score":-0.03975951299071312}],"sentiment":"neutral","sentiment_score":-0.09261431298492585,"num_words":34,"start":3896.815,"end":3912.4102},{"sentences":[{"text":"Yeah.","start":3912.4702,"end":3912.9502,"sentiment":"neutral","sentiment_score":-0.0010064803063869476},{"text":"That's yeah.","start":3912.9502,"end":3917.99,"sentiment":"neutral","sentiment_score":0.0027733901515603065},{"text":"Of course.","start":3917.99,"end":3918.4702,"sentiment":"neutral","sentiment_score":0.010710407979786396},{"text":"So just socially smoking.","start":3918.4702,"end":3920.09,"sentiment":"neutral","sentiment_score":-0.004678699187934399},{"text":"So I'll just double check what I've got here for you.","start":3922.0452,"end":3925.585,"sentiment":"neutral","sentiment_score":0.05703952366655523}],"sentiment":"neutral","sentiment_score":0.03173405397683382,"num_words":20,"start":3912.4702,"end":3925.585},{"sentences":[{"text":"Yes.","start":3937.42,"end":3937.92,"sentiment":"neutral","sentiment_score":0.02317194640636444},{"text":"So you are down as being a social smoker.","start":3937.98,"end":3940.32,"sentiment":"neutral","sentiment_score":-0.025398423688279256},{"text":"Yep.","start":3942.46,"end":3942.96,"sentiment":"neutral","sentiment_score":0.2188592404127121},{"text":"Yeah.","start":3943.3398,"end":3943.8398,"sentiment":"neutral","sentiment_score":0.292572945356369},{"text":"All good.","start":3944.8599,"end":3945.5999,"sentiment":"positive","sentiment_score":0.4849526584148407}],"sentiment":"neutral","sentiment_score":0.09113740255790097,"num_words":14,"start":3937.42,"end":3945.5999},{"sentences":[{"text":"Fantastic.","start":3946.38,"end":3946.88,"sentiment":"positive","sentiment_score":0.5496386885643005},{"text":"Was there any other questions or anything else that you wanted to ask me while you've got me here, Jo?","start":3947.9348,"end":3952.1948,"sentiment":"neutral","sentiment_score":0.17770641967654227},{"text":"No.","start":3954.335,"end":3954.835,"sentiment":"neutral","sentiment_score":-0.18640682101249695},{"text":"That's okay.","start":3955.775,"end":3956.6748,"sentiment":"neutral","sentiment_score":-0.021295747719705105},{"text":"It's a lot, and I'm so sorry about that.","start":3956.9749,"end":3959.1548,"sentiment":"negative","sentiment_score":-0.4212293591764238}],"sentiment":"neutral","sentiment_score":0.002536501001679536,"num_words":33,"start":3946.38,"end":3959.1548},{"sentences":[{"text":"Yeah.","start":3965.34,"end":3965.5,"sentiment":"neutral","sentiment_score":0.09383536875247955},{"text":"Uh-oh.","start":3965.5,"end":3966.0,"sentiment":"neutral","sentiment_score":0.10793165862560272},{"text":"Fantastic.","start":3966.94,"end":3967.44,"sentiment":"positive","sentiment_score":0.6123720407485962},{"text":"Yeah.","start":3969.26,"end":3969.76,"sentiment":"neutral","sentiment_score":0.22088712453842163},{"text":"Yeah.","start":3971.9001,"end":3972.4001,"sentiment":"neutral","sentiment_score":0.09410688281059264}],"sentiment":"neutral","sentiment_score":0.22582661509513854,"num_words":5,"start":3965.34,"end":3972.4001},{"sentences":[{"text":"Excellent.","start":3973.1,"end":3973.6,"sentiment":"positive","sentiment_score":0.6092433333396912},{"text":"And I'll send through the introduction to the mortgage broker there as well.","start":3974.005,"end":3977.205,"sentiment":"neutral","sentiment_score":0.2534635685957395},{"text":"So it's an email to yourself and the mortgage broker, and then he contacts you to organize a time to touch base and have a chat about what you're after, what your borrowing capacity is, and look at everything.","start":3977.205,"end":3986.585,"sentiment":"neutral","sentiment_score":0.19982984471015441},{"text":"And then he'll go from there.","start":3987.1401,"end":3988.5,"sentiment":"neutral","sentiment_score":0.1225573221842448},{"text":"Mortgage breaker services are completely complimentary because they are paid by the banks they write the loans for.","start":3988.5,"end":3994.6802,"sentiment":"neutral","sentiment_score":0.2146185135675801}],"sentiment":"neutral","sentiment_score":0.21163780319613296,"num_words":77,"start":3973.1,"end":3994.6802},{"sentences":[{"text":"So that that'll be nice and free for you.","start":3995.1401,"end":3997.78,"sentiment":"positive","sentiment_score":0.5506244666046567},{"text":"Okay?","start":3997.78,"end":3998.28,"sentiment":"neutral","sentiment_score":0.2957601249217987},{"text":"That's okay.","start":4000.4202,"end":4001.32,"sentiment":"positive","sentiment_score":0.6287740767002106},{"text":"Easy, Joe.","start":4002.405,"end":4003.0452,"sentiment":"positive","sentiment_score":0.6893172860145569},{"text":"I'll let you go.","start":4003.0452,"end":4003.7651,"sentiment":"positive","sentiment_score":0.6816687434911728}],"sentiment":"positive","sentiment_score":0.5896798902087741,"num_words":18,"start":3995.1401,"end":4003.7651},{"sentences":[{"text":"You have an amazing day, and let me know if there's anything that comes up.","start":4003.7651,"end":4006.725,"sentiment":"positive","sentiment_score":0.5007881104946137},{"text":"I'll get those emails out to you shortly.","start":4006.725,"end":4008.585,"sentiment":"neutral","sentiment_score":0.33187511935830116},{"text":"Thanks.","start":4010.8052,"end":4011.125,"sentiment":"positive","sentiment_score":0.6543863415718079},{"text":"See you later.","start":4011.125,"end":4011.865,"sentiment":"neutral","sentiment_score":0.29896073291699093}],"sentiment":"positive","sentiment_score":0.43400337602253314,"num_words":27,"start":4003.7651,"end":4011.865}]}}]},{"alternatives":[{"transcript":"Hello. Joe speaking. Oh, good. Thank you. How are you? Yeah. That's fine. It's been alright. It hasn't been full on. Pretty pretty crazy. Yeah. Okay. That's just in. Yep. Okay. Yeah. That's fine. I'll take you the email. Teresa Joseph, Trulonova 53 '83. And what's the address? 10 Philly Bend South Hedland. Awesome. Yeah. It is it's probably 18 degrees right now today. Yeah. But but where I am normally, it's around about 40. You know? Because I'm in have you ever heard of Fort Hedlund? Yeah. So that's what I'm saying there. So yeah. But it's good as it's it's wintertime, so not bad. I have asked about it before, like, just looking at I I really I really wanna do a financial plan and also, like, I'm looking, like, would I be able to get in, like, another investment as well? Yeah. Yeah. I remember I I had spoken to him before, but I think I wasn't I didn't really have enough at that time. So maybe yeah. I wouldn't mind having another chat. Yeah. It was. Hey. Yep. Okay. That's fine. Yes. Yep. Yep. Yep. Yep. Yep. Sounds good. Yeah. Well, this is just depends. I think I just wanna keep it as investment for at least ten years and then probably and then probably sign them off. Yeah. Or or pass them on to the kids. I'm not sure. Exactly. I've got two older kids as well. Yeah. Yeah. So two older ones where I know I mean, I've got two properties already, but I wanna try another two more. So at least for my other two young boys, at least they got something as well. I've already signed it. Yes. Oh, it's good. Yeah. Alright. Yep. Yep. That's good. Yeah. I am on a house and a car. Sorry. Sorry. What was that again? So so what's the max I can put in? Like, how much can you put in to the 25,000 a year? Yep. So can you see how much I I put in last year? So I don't need to put any more than that because I'm gonna get a text for it. It. Can you can you help me out on that? No. I mean, like no. No. Like, I mean, I'm on my mind right now. So, like, do you know how to get to that? But but so. Okay. No. That's okay. Okay. So that's all. That's all this time. Services. So the services and no. I think I did see it. Yeah. It's 1,900 couple months ago, I think. Yep. Yeah. Oh, that's awesome. Yep. The mobile's still loading. Okay. Yep. It's menu. Yep. And we super. Yep. Information. Yep. Alright. Just clicking on that now. Okay. Yep. It says that. Yep. It says I'm eligible for $6,406.63. Yep. Yep. Yep. So what should I do then? Just leave it as it is for now? Or what what do I do? Yes. Yep. Okay. Because I'm putting in I'm putting in a 100 a week. So 200 200 per pay. So that's fortnightly. That's what I've been contributing. Well, last this phone tree, I mean, just gone. I made I think I made about $2.50, $2.52. Hello? Yep. Okay. That's alright. Yep. Okay. Okay. Sounds good. Yeah. It does. Yeah. It does. So really yeah. There is there is a lot. And so so so really, I suggest just stick to what I'm doing now, then just leave it as it is. Six months. Well, my base income. Right. Yeah. I was I reckon I heard it again this year. Yeah. I reckon I might. Yep. Sorry. Can you say that again? Yeah. Yeah. Doing that as well. So I'm paying 12%, but then I pay the I think I pay extra 2%, and then they do the extra 1.5 or something. Yeah. Nope. Oh, so we're I have a Yeah. Hello? Yeah. I'm at the hospital. Yeah. Yeah. Oh, yeah? So so what you're saying is, like, the way it's looking, if I'm if I am gonna get $2.50, I'll be paying 35 k, which is free 3,000 over. So would they text me just on 3,000? Wow. So I think it might be better if I do have a dinner. Yep. Okay. Oh, okay. Oh, yeah. I'll I'll yeah. Yeah. I reckon I will I reckon I will have $2.50 this year again. So I better yeah. I'll I'll I'll I'll change that with HR. Yeah. I know. Okay. No. That's right. That's right. I don't wanna lose out of 4,000 a year. Yeah. These these have a text account? But will will that be part of my well, like, what I get, or do I have to pay for it? Yep. Yeah. Yeah. That's right. Yeah. No. That's okay. I'm I'm I am seeing a account turn in two weeks time anyway, so that's fine. Yes, please. Yes, please. If you could that'll be great. Yeah. I'll just it's about 45, I think. Yeah. Just be on fifth. I see. Yep. Okay. Do I need to remove it? I'll take this. Isn't it? That should be alright. Yes, sir. I know I know I know my my wife and the kids will be okay because then they we still got two properties. And and then, like, there's there's still there's still a lot of, like, equity in both in the meanwhile. So I think I think I think I should be alright. So that's 200,000 is probably worth probably, like, $9.50 now. Butler WA. No. So I've got, I suppose, principal and interest in right now. I can give you a second. Because I I did I did I did take money out of that to buy another property. I don't know if I was I don't know if I was expecting about that. Can you sec can you yeah. Yeah. So it's about it's about $6.50 now. It's about $6.50 now. So that's in South Hedland where I'm at. So that one that first one is worth, like, $9.20 is it's 374 owing on that one. And then that and then that $6.50, that one's 340 owing. Yeah. So that that that first one was $9.20, we're getting $6.80 for that. 6 80 a week for that. And the actual mortgage on that is right now what is it? Sorry. Just just loading. I think it's about just just on the the $15.37 months for that one. Oh, sorry. Sorry. A fortnightly fortnightly. Oh, wait. Let let me have a sorry. July 6. Yeah. Yeah. Four nightly fortnightly. $15.37 fortnightly. And the other one is so like I said, that's getting $6.80 a week. And and this time and this other one is $12.12 12 a fortnight. And and I'm and I'm getting 1,400 a week for that. So that one is $12.12 $1,216.09. And that's and that's 14 hundred weeks. So that one's positive gearing. So I think that that's negative. Yeah. But the the one that's positive gearing, that's 100% under my wife's name. No. That part load is fifty fifty. Yep. Anytime is fun. Anytime he can come in and talk to you. Yes. Yeah. Yeah. I understand all that. So what I was gonna say is what's you know how that first one you said is is on 700 and you said if I if I wanna make a make a more, but how much am I paying now for, like, coming up? Yeah. Yeah. So if I want to increase that to a million, what would that be? Yes, sir. Sorry. I don't I don't understand what you mean. Yeah. Yeah. Oh, so sorry. Yeah. So So what what what would it cost for income protection? Yep. Oh, so so so so so so so so life insurance, I've got 700 and CPD, I've got 700, don't I? Yeah. Yep. Yeah. So that's that's a logo, dude. Yeah. Yes. Yep. So the longer you wait, the cheaper will be, will it? Or yeah. I think it will be three months. Yep. Well, if you see the longer the work, the more the pay pay is probably the faster. So you mean getting paid for two years? Is that what you mean? Yes. Yeah. Yeah. So, yeah, it should be alright. Yes. And if you take out income protection, what would that be? Yep. Oh Unless, obviously, you can change it and drop it this address. Yeah. No. I I won't take the competition in there. Yeah. So but then for for, like, just t what was the other one? What was it? T p d what was the other one? Life insurance. So so can I just so if I just increase life insurance to a million, what would what would what would that be then just for that? Sorry. Can you hear that wind or that's okay? Okay. So so so if I if I put it like if we make it a million and then it's gonna be 1.3 now, so so does that mean I have to pay extra tax or something? Yes. If I take it out of the livestock, but if you if I take it out, there's, like, money coming per week. Yep. Yep. Yeah. Yeah. Three thousand. Yep. But it all but it all it all just comes it all just comes out of my super anyway, doesn't it? Yeah. Woah. So so you reckon I should do a million dollars then? Because, like, I mean, it's only it's it's it's gonna cost extra 1,300, isn't it? Almost 500. Yeah. Oh, the one. Oh, okay. Yeah. Yes. Yeah. I'm happy to do that as it is. Yep. Yep. Okay. Yeah. Yeah. But it's good luck, you know, that you broke it all down for me. Now I fully understand it. So yeah. No. Thanks. I reckon if that one's not a performing year, I'll I'll definitely like to have a a review on it. Yeah. Yep. Okay. No. No. Yep. Yeah. What is the here list you can access on? Yeah. I can see. I'll keep it as as it is. Sorry. I'm just a huddle. I am a I am a guy that takes risks. But yeah. Yeah. Definitely. Yep. Oh, this yeah. Yeah. I mean, if I've seen a if I saw a drop in the in the last year, in the next year, I'll I'll definitely be concerned. But I'll probably just I won't take that high risk anymore if it's getting higher. I'll just put it back to where it is now. No. Yeah. I wouldn't do that. No. But I was I was looking at stuff manners, paper. But yeah. That's another thing I'm looking into. But yeah. I just the main reason the main reason for that is that I'll I'll rather use all that sticker to pull it up to buy another investment. Yeah. I heard about that. I heard about that. Yeah. No. August. Yep. Now what? Yeah. Yeah. Yeah. That's right. That's right. Yeah. Yeah. Yeah. Okay. Alright. So what you're saying is what I'm doing right now is I should pretty much just stay just stay what I'm doing on on the face cover. That's what yeah. No. Yeah. I think I am comfortable comfortable with that. Yeah. Definitely. I thought I did try to set one up or see what's happening, and I never heard that. I don't think so. Yeah. Well, that oh, yeah. Yeah. Yeah. I definitely wanna go and definitely look into that for sure. Yeah. Yeah. Yeah. That's what I wanna do there. Yeah. Yep. Yep. Yep. Awesome. It's I'm I'm I'm still sacrificing for work work's paying for the pricing here. I think it's 343 a fortnight. Got a second. Yeah. Well, I've got I've got a boat probably worth, like, $40.40 yeah. Maybe 40 k. Yeah. And yes. And I'm right now. Land Cruiser 300 series. That's yeah. No. That comes with about $1.20. No. I don't know. No. That 30,000 was yeah. That's gone now. Yeah. No. That's for a fairly shock a fairly sacrifice, which is two years into it. Now I've got three years left. So so really let me look into it. So I do post tax and pre tax. It's it's well, I mean, it's a thousand and then it's a 100 just in here. I'll bring it up and I I can tell you. So let me look into it. So post tax is 1,046 and 8¢. And and the seller's sacrifice, which is 637 and 44. Yes. This is happy to hear you. Is that Yeah. No. No savings at all. I say it's no. Definitely no savings. Yeah. It was funny it was funny you rang today because the wife just phoned me up today and she's looking. I'm willing to to do some sacrifices. I wanna start saving now and then and then half an hour later, I've got a call from you. Well, we're hoping hopefully to try to put away, like, at least 500 a week. Sorry. Minimum. That's minimum. Yeah. So that's why I wanna try to do this financial plan and see if we can make it work. Yeah. Yeah. Could you put that as a recap as well? Add all that as well? Yep. And then, like, when you charge for your services, if we do need the actual device. Yeah. Yes. We did. We got we got married last year. Yeah. We got married last year in Bali. And and it's been a it's been a year now, just last week. Yeah. No. We just we just went out. We just went to dinner because we just got too much plans coming up. But, well, I think the holidays coming up, and we just started to sacrifice it. Yeah. So the the rest is in Sunday. Yeah. Yeah. So we are that's what she was talking to me today about. Like, if it's the house that she likes, then she wants to kinda, like, just buy outright and and I think it's got one I've got a bill a million. So so in the next three years, that's what she wants to do. So we just sell our properties and then, okay, I see we could get 300 and then we can buy it outright here. Yeah. Just at least I have another couple more properties. Yes. Definitely. Yeah. Pretty much. Exactly. Exactly. Yep. Yeah. That's that's uncomfortable. Yep. Yes. So one of the questions was on my speaker form, did I write down that that I was spoken? Yeah. Insurance is here. Like, I did stop and then I'm just like I'm always starting, stopping, starting, stopping, so I just wanna know what I'm talking about. Yeah. No. I wasn't in. I'm just kinda, like, just started up, like, again this year. But it's just it's just, like, now and then, you know, like, not all the time, but I just rather be on the safe side. Yeah. Awesome. No. Thanks very much for the so the machine is telling me it's definitely no. You don't need to be fine at all. Like, what you what you what you just just found that voice is good. I guess I needed it and opened my eyes the morning. So yeah. No. Thank you for that. I'll just wait for I'll just wait for that recap and then reply back to you from there. Yes. Yeah. Yeah. That's right. Yeah. Thank you so much. Okay. Okay. Thank you. 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Joe speaking. Oh, good. Thank you. How are you?\n\nYeah. That's fine. It's been alright. It hasn't been full on. Pretty pretty crazy.\n\nYeah. Okay. That's just in. Yep. Okay.\n\nYeah. That's fine. I'll take you the email. Teresa Joseph, Trulonova 53 '83. And what's the address?\n\n10 Philly Bend South Hedland. Awesome. Yeah. It is it's probably 18 degrees right now today. Yeah.\n\nBut but where I am normally, it's around about 40. You know? Because I'm in have you ever heard of Fort Hedlund? Yeah. So that's what I'm saying there.\n\nSo yeah. But it's good as it's it's wintertime, so not bad. I have asked about it before, like, just looking at I I really I really wanna do a financial plan and also, like, I'm looking, like, would I be able to get in, like, another investment as well? Yeah. Yeah.\n\nI remember I I had spoken to him before, but I think I wasn't I didn't really have enough at that time. So maybe yeah. I wouldn't mind having another chat. Yeah. It was.\n\nHey. Yep. Okay. That's fine. Yes.\n\nYep. Yep. Yep. Yep. Yep.\n\nSounds good. Yeah. Well, this is just depends. I think I just wanna keep it as investment for at least ten years and then probably and then probably sign them off. Yeah.\n\nOr or pass them on to the kids. I'm not sure. Exactly. I've got two older kids as well. Yeah.\n\nYeah. So two older ones where I know I mean, I've got two properties already, but I wanna try another two more. So at least for my other two young boys, at least they got something as well. I've already signed it. Yes.\n\nOh, it's good. Yeah. Alright. Yep. Yep.\n\nThat's good. Yeah. I am on a house and a car. Sorry. Sorry.\n\nWhat was that again? So so what's the max I can put in? Like, how much can you put in to the 25,000 a year? Yep. So can you see how much I I put in last year?\n\nSo I don't need to put any more than that because I'm gonna get a text for it. It. Can you can you help me out on that? No. I mean, like no.\n\nNo. Like, I mean, I'm on my mind right now. So, like, do you know how to get to that? But but so. Okay.\n\nNo. That's okay. Okay. So that's all. That's all this time.\n\nServices. So the services and no. I think I did see it. Yeah. It's 1,900 couple months ago, I think.\n\nYep. Yeah. Oh, that's awesome. Yep. The mobile's still loading.\n\nOkay. Yep. It's menu. Yep. And we super.\n\nYep. Information. Yep. Alright. Just clicking on that now.\n\nOkay. Yep. It says that. Yep. It says I'm eligible for $6,406.63.\n\nYep. Yep. Yep. So what should I do then? Just leave it as it is for now?\n\nOr what what do I do? Yes. Yep. Okay. Because I'm putting in I'm putting in a 100 a week.\n\nSo 200 200 per pay. So that's fortnightly. That's what I've been contributing. Well, last this phone tree, I mean, just gone. I made I think I made about $2.50, $2.52.\n\nHello? Yep. Okay. That's alright. Yep.\n\nOkay. Okay. Sounds good. Yeah. It does.\n\nYeah. It does. So really yeah. There is there is a lot. And so so so really, I suggest just stick to what I'm doing now, then just leave it as it is.\n\nSix months. Well, my base income. Right. Yeah. I was I reckon I heard it again this year.\n\nYeah. I reckon I might. Yep. Sorry. Can you say that again?\n\nYeah. Yeah. Doing that as well. So I'm paying 12%, but then I pay the I think I pay extra 2%, and then they do the extra 1.5 or something. Yeah.\n\nNope. Oh, so we're I have a Yeah. Hello? Yeah. I'm at the hospital.\n\nYeah. Yeah. Oh, yeah? So so what you're saying is, like, the way it's looking, if I'm if I am gonna get $2.50, I'll be paying 35 k, which is free 3,000 over. So would they text me just on 3,000?\n\nWow. So I think it might be better if I do have a dinner. Yep. Okay. Oh, okay.\n\nOh, yeah. I'll I'll yeah. Yeah. I reckon I will I reckon I will have $2.50 this year again. So I better yeah.\n\nI'll I'll I'll I'll change that with HR. Yeah. I know. Okay. No.\n\nThat's right. That's right. I don't wanna lose out of 4,000 a year. Yeah. These these have a text account?\n\nBut will will that be part of my well, like, what I get, or do I have to pay for it? Yep. Yeah. Yeah. That's right.\n\nYeah. No. That's okay. I'm I'm I am seeing a account turn in two weeks time anyway, so that's fine. Yes, please.\n\nYes, please. If you could that'll be great. Yeah. I'll just it's about 45, I think. Yeah.\n\nJust be on fifth. I see. Yep. Okay. Do I need to remove it?\n\nI'll take this. Isn't it? That should be alright. Yes, sir. I know I know I know my my wife and the kids will be okay because then they we still got two properties.\n\nAnd and then, like, there's there's still there's still a lot of, like, equity in both in the meanwhile. So I think I think I think I should be alright. So that's 200,000 is probably worth probably, like, $9.50 now. Butler WA. No.\n\nSo I've got, I suppose, principal and interest in right now. I can give you a second. Because I I did I did I did take money out of that to buy another property. I don't know if I was I don't know if I was expecting about that. Can you sec can you yeah.\n\nYeah. So it's about it's about $6.50 now. It's about $6.50 now. So that's in South Hedland where I'm at. So that one that first one is worth, like, $9.20 is it's 374 owing on that one.\n\nAnd then that and then that $6.50, that one's 340 owing. Yeah. So that that that first one was $9.20, we're getting $6.80 for that. 6 80 a week for that. And the actual mortgage on that is right now what is it?\n\nSorry. Just just loading. I think it's about just just on the the $15.37 months for that one. Oh, sorry. Sorry.\n\nA fortnightly fortnightly. Oh, wait. Let let me have a sorry. July 6. Yeah.\n\nYeah. Four nightly fortnightly. $15.37 fortnightly. And the other one is so like I said, that's getting $6.80 a week. And and this time and this other one is $12.12 12 a fortnight.\n\nAnd and I'm and I'm getting 1,400 a week for that. So that one is $12.12 $1,216.09. And that's and that's 14 hundred weeks. So that one's positive gearing. So I think that that's negative.\n\nYeah. But the the one that's positive gearing, that's 100% under my wife's name. No. That part load is fifty fifty. Yep.\n\nAnytime is fun. Anytime he can come in and talk to you. Yes. Yeah. Yeah.\n\nI understand all that. So what I was gonna say is what's you know how that first one you said is is on 700 and you said if I if I wanna make a make a more, but how much am I paying now for, like, coming up? Yeah. Yeah. So if I want to increase that to a million, what would that be?\n\nYes, sir. Sorry. I don't I don't understand what you mean. Yeah. Yeah.\n\nOh, so sorry. Yeah. So So what what what would it cost for income protection? Yep. Oh, so so so so so so so so life insurance, I've got 700 and CPD, I've got 700, don't I?\n\nYeah. Yep. Yeah. So that's that's a logo, dude. Yeah.\n\nYes. Yep. So the longer you wait, the cheaper will be, will it? Or yeah. I think it will be three months.\n\nYep. Well, if you see the longer the work, the more the pay pay is probably the faster. So you mean getting paid for two years? Is that what you mean? Yes.\n\nYeah. Yeah. So, yeah, it should be alright. Yes. And if you take out income protection, what would that be?\n\nYep. Oh Unless, obviously, you can change it and drop it this address. Yeah. No. I I won't take the competition in there.\n\nYeah. So but then for for, like, just t what was the other one? What was it? T p d what was the other one? Life insurance.\n\nSo so can I just so if I just increase life insurance to a million, what would what would what would that be then just for that? Sorry. Can you hear that wind or that's okay? Okay. So so so if I if I put it like if we make it a million and then it's gonna be 1.3 now, so so does that mean I have to pay extra tax or something?\n\nYes. If I take it out of the livestock, but if you if I take it out, there's, like, money coming per week. Yep. Yep. Yeah.\n\nYeah. Three thousand. Yep. But it all but it all it all just comes it all just comes out of my super anyway, doesn't it? Yeah.\n\nWoah. So so you reckon I should do a million dollars then? Because, like, I mean, it's only it's it's it's gonna cost extra 1,300, isn't it? Almost 500. Yeah.\n\nOh, the one. Oh, okay. Yeah. Yes. Yeah.\n\nI'm happy to do that as it is. Yep. Yep. Okay. Yeah.\n\nYeah. But it's good luck, you know, that you broke it all down for me. Now I fully understand it. So yeah. No.\n\nThanks. I reckon if that one's not a performing year, I'll I'll definitely like to have a a review on it. Yeah. Yep. Okay.\n\nNo. No. Yep. Yeah. What is the here list you can access on?\n\nYeah. I can see. I'll keep it as as it is. Sorry. I'm just a huddle.\n\nI am a I am a guy that takes risks. But yeah. Yeah. Definitely. Yep.\n\nOh, this yeah. Yeah. I mean, if I've seen a if I saw a drop in the in the last year, in the next year, I'll I'll definitely be concerned. But I'll probably just I won't take that high risk anymore if it's getting higher. I'll just put it back to where it is now.\n\nNo. Yeah. I wouldn't do that. No. But I was I was looking at stuff manners, paper.\n\nBut yeah. That's another thing I'm looking into. But yeah. I just the main reason the main reason for that is that I'll I'll rather use all that sticker to pull it up to buy another investment. Yeah.\n\nI heard about that. I heard about that. Yeah. No. August.\n\nYep. Now what? Yeah. Yeah. Yeah.\n\nThat's right. That's right. Yeah. Yeah. Yeah.\n\nOkay. Alright. So what you're saying is what I'm doing right now is I should pretty much just stay just stay what I'm doing on on the face cover. That's what yeah. No.\n\nYeah. I think I am comfortable comfortable with that. Yeah. Definitely. I thought I did try to set one up or see what's happening, and I never heard that.\n\nI don't think so. Yeah. Well, that oh, yeah. Yeah. Yeah.\n\nI definitely wanna go and definitely look into that for sure. Yeah. Yeah. Yeah. That's what I wanna do there.\n\nYeah. Yep. Yep. Yep. Awesome.\n\nIt's I'm I'm I'm still sacrificing for work work's paying for the pricing here. I think it's 343 a fortnight. Got a second. Yeah. Well, I've got I've got a boat probably worth, like, $40.40 yeah.\n\nMaybe 40 k. Yeah. And yes. And I'm right now. Land Cruiser 300 series.\n\nThat's yeah. No. That comes with about $1.20. No. I don't know.\n\nNo. That 30,000 was yeah. That's gone now. Yeah. No.\n\nThat's for a fairly shock a fairly sacrifice, which is two years into it. Now I've got three years left. So so really let me look into it. So I do post tax and pre tax. It's it's well, I mean, it's a thousand and then it's a 100 just in here.\n\nI'll bring it up and I I can tell you. So let me look into it. So post tax is 1,046 and 8¢. And and the seller's sacrifice, which is 637 and 44. Yes.\n\nThis is happy to hear you. Is that Yeah. No. No savings at all. I say it's no.\n\nDefinitely no savings. Yeah. It was funny it was funny you rang today because the wife just phoned me up today and she's looking. I'm willing to to do some sacrifices. I wanna start saving now and then and then half an hour later, I've got a call from you.\n\nWell, we're hoping hopefully to try to put away, like, at least 500 a week. Sorry. Minimum. That's minimum. Yeah.\n\nSo that's why I wanna try to do this financial plan and see if we can make it work. Yeah. Yeah. Could you put that as a recap as well? Add all that as well?\n\nYep. And then, like, when you charge for your services, if we do need the actual device. Yeah. Yes. We did.\n\nWe got we got married last year. Yeah. We got married last year in Bali. And and it's been a it's been a year now, just last week. Yeah.\n\nNo. We just we just went out. We just went to dinner because we just got too much plans coming up. But, well, I think the holidays coming up, and we just started to sacrifice it. Yeah.\n\nSo the the rest is in Sunday. Yeah. Yeah. So we are that's what she was talking to me today about. Like, if it's the house that she likes, then she wants to kinda, like, just buy outright and and I think it's got one I've got a bill a million.\n\nSo so in the next three years, that's what she wants to do. So we just sell our properties and then, okay, I see we could get 300 and then we can buy it outright here. Yeah. Just at least I have another couple more properties. Yes.\n\nDefinitely. Yeah. Pretty much. Exactly. Exactly.\n\nYep. Yeah. That's that's uncomfortable. Yep. Yes.\n\nSo one of the questions was on my speaker form, did I write down that that I was spoken? Yeah. Insurance is here. Like, I did stop and then I'm just like I'm always starting, stopping, starting, stopping, so I just wanna know what I'm talking about. Yeah.\n\nNo. I wasn't in. I'm just kinda, like, just started up, like, again this year. But it's just it's just, like, now and then, you know, like, not all the time, but I just rather be on the safe side. Yeah.\n\nAwesome. No. Thanks very much for the so the machine is telling me it's definitely no. You don't need to be fine at all. Like, what you what you what you just just found that voice is good.\n\nI guess I needed it and opened my eyes the morning. So yeah. No. Thank you for that. I'll just wait for I'll just wait for that recap and then reply back to you from there.\n\nYes. Yeah. Yeah. That's right. Yeah.\n\nThank you so much. Okay. Okay. Thank you. Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":0.88,"end":1.1999999,"sentiment":"neutral","sentiment_score":0.03610539436340332},{"text":"Joe speaking.","start":1.1999999,"end":2.02,"sentiment":"neutral","sentiment_score":0.034175027161836624},{"text":"Oh, good.","start":6.24,"end":7.14,"sentiment":"positive","sentiment_score":0.4490715265274048},{"text":"Thank you.","start":7.2,"end":7.6,"sentiment":"positive","sentiment_score":0.5588558614253998},{"text":"How are you?","start":7.6,"end":8.34,"sentiment":"positive","sentiment_score":0.3814057509104411}],"sentiment":"neutral","sentiment_score":0.3264527477324009,"num_words":10,"start":0.88,"end":8.34},{"sentences":[{"text":"Yeah.","start":15.935,"end":16.095,"sentiment":"neutral","sentiment_score":0.15657342970371246},{"text":"That's fine.","start":16.095,"end":21.295,"sentiment":"neutral","sentiment_score":0.17469436675310135},{"text":"It's been alright.","start":21.295,"end":22.355,"sentiment":"neutral","sentiment_score":0.17915918926397958},{"text":"It hasn't been full on.","start":22.494999,"end":23.695,"sentiment":"neutral","sentiment_score":0.002533218264579773},{"text":"Pretty pretty crazy.","start":23.695,"end":24.835,"sentiment":"neutral","sentiment_score":0.031841762363910675}],"sentiment":"neutral","sentiment_score":0.08225936495832034,"num_words":14,"start":15.935,"end":24.835},{"sentences":[{"text":"Yeah.","start":37.72,"end":37.96,"sentiment":"neutral","sentiment_score":0.03400396555662155},{"text":"Okay.","start":37.96,"end":38.28,"sentiment":"neutral","sentiment_score":0.049317874014377594},{"text":"That's just in.","start":38.28,"end":38.84,"sentiment":"neutral","sentiment_score":0.05449216812849045},{"text":"Yep.","start":38.84,"end":39.34,"sentiment":"neutral","sentiment_score":0.10239537805318832},{"text":"Okay.","start":74.645004,"end":75.145004,"sentiment":"neutral","sentiment_score":0.19462674856185913}],"sentiment":"neutral","sentiment_score":0.07768863865307399,"num_words":7,"start":37.72,"end":75.145004},{"sentences":[{"text":"Yeah.","start":87.47,"end":87.63,"sentiment":"neutral","sentiment_score":0.05853844806551933},{"text":"That's fine.","start":87.63,"end":88.369995,"sentiment":"neutral","sentiment_score":0.08166275173425674},{"text":"I'll take you the email.","start":88.99,"end":90.21,"sentiment":"neutral","sentiment_score":0.10684547871351242},{"text":"Teresa Joseph, Trulonova 53 '83.","start":100.155,"end":103.854996,"sentiment":"neutral","sentiment_score":0.025850176438689233},{"text":"And what's the address?","start":104.235,"end":105.695,"sentiment":"neutral","sentiment_score":0.02099711447954178}],"sentiment":"neutral","sentiment_score":0.05701945207136519,"num_words":17,"start":87.47,"end":105.695},{"sentences":[{"text":"10 Philly Bend South Hedland.","start":107.515,"end":109.375,"sentiment":"neutral","sentiment_score":0.026333497278392314},{"text":"Awesome.","start":114.560005,"end":115.060005,"sentiment":"neutral","sentiment_score":0.27814656496047974},{"text":"Yeah.","start":115.76,"end":116.240005,"sentiment":"neutral","sentiment_score":0.10926727205514908},{"text":"It is it's probably 18 degrees right now today.","start":116.240005,"end":119.200005,"sentiment":"neutral","sentiment_score":0.07452564852105246},{"text":"Yeah.","start":119.200005,"end":119.700005,"sentiment":"neutral","sentiment_score":0.0697149857878685}],"sentiment":"neutral","sentiment_score":0.0740898321108783,"num_words":17,"start":107.515,"end":119.700005},{"sentences":[{"text":"But but where I am normally, it's around about 40.","start":120.4,"end":124.4,"sentiment":"neutral","sentiment_score":-0.008953388081863523},{"text":"You know?","start":124.4,"end":124.72,"sentiment":"neutral","sentiment_score":-0.007979799527674913},{"text":"Because I'm in have you ever heard of Fort Hedlund?","start":124.72,"end":127.14,"sentiment":"neutral","sentiment_score":-0.0063745610415935515},{"text":"Yeah.","start":129.795,"end":130.035,"sentiment":"neutral","sentiment_score":0.03399883955717087},{"text":"So that's what I'm saying there.","start":130.035,"end":131.315,"sentiment":"neutral","sentiment_score":0.040894110376636185}],"sentiment":"neutral","sentiment_score":0.0037973935009333595,"num_words":29,"start":120.4,"end":131.315},{"sentences":[{"text":"So yeah.","start":131.315,"end":131.955,"sentiment":"neutral","sentiment_score":0.06022871658205986},{"text":"But it's good as it's it's wintertime, so not bad.","start":131.955,"end":136.295,"sentiment":"neutral","sentiment_score":0.2829995438456535},{"text":"I have asked about it before, like, just looking at I I really I really wanna do a financial plan and also, like, I'm looking, like, would I be able to get in, like, another investment as well?","start":155.65001,"end":172.41,"sentiment":"neutral","sentiment_score":0.031939256470650434},{"text":"Yeah.","start":174.17,"end":174.67,"sentiment":"neutral","sentiment_score":0.09672436118125916},{"text":"Yeah.","start":195.61499,"end":195.935,"sentiment":"neutral","sentiment_score":-0.005549765191972256}],"sentiment":"neutral","sentiment_score":0.0818330617979742,"num_words":52,"start":131.315,"end":195.935},{"sentences":[{"text":"I remember I I had spoken to him before, but I think I wasn't I didn't really have enough at that time.","start":195.935,"end":201.135,"sentiment":"neutral","sentiment_score":-0.08521758422086184},{"text":"So maybe yeah.","start":201.135,"end":202.015,"sentiment":"neutral","sentiment_score":-0.049735414485136666},{"text":"I wouldn't mind having another chat.","start":202.015,"end":204.57,"sentiment":"neutral","sentiment_score":-0.020969630529483158},{"text":"Yeah.","start":211.19,"end":211.43001,"sentiment":"neutral","sentiment_score":-0.0052375346422195435},{"text":"It was.","start":211.43001,"end":212.01001,"sentiment":"neutral","sentiment_score":-0.00947437109425664}],"sentiment":"neutral","sentiment_score":-0.06394109283300008,"num_words":34,"start":195.935,"end":212.01001},{"sentences":[{"text":"Hey.","start":220.345,"end":220.845,"sentiment":"neutral","sentiment_score":0.032944273203611374},{"text":"Yep.","start":222.745,"end":223.245,"sentiment":"neutral","sentiment_score":0.06611289083957672},{"text":"Okay.","start":233.465,"end":233.965,"sentiment":"neutral","sentiment_score":0.08295099437236786},{"text":"That's fine.","start":247.875,"end":248.855,"sentiment":"neutral","sentiment_score":0.16340287774801254},{"text":"Yes.","start":249.395,"end":249.795,"sentiment":"neutral","sentiment_score":0.15886348485946655}],"sentiment":"neutral","sentiment_score":0.11127956646184127,"num_words":6,"start":220.345,"end":249.795},{"sentences":[{"text":"Yep.","start":249.795,"end":250.295,"sentiment":"neutral","sentiment_score":0.18954768776893616},{"text":"Yep.","start":262.2,"end":262.7,"sentiment":"neutral","sentiment_score":0.13646116852760315},{"text":"Yep.","start":298.19,"end":298.50998,"sentiment":"neutral","sentiment_score":0.1012340411543846},{"text":"Yep.","start":298.50998,"end":298.75,"sentiment":"neutral","sentiment_score":0.11761804670095444},{"text":"Yep.","start":298.75,"end":299.15,"sentiment":"neutral","sentiment_score":0.2056918442249298}],"sentiment":"neutral","sentiment_score":0.15011055767536163,"num_words":5,"start":249.795,"end":299.15},{"sentences":[{"text":"Sounds good.","start":299.15,"end":299.97,"sentiment":"positive","sentiment_score":0.5543265640735626},{"text":"Yeah.","start":314.81998,"end":315.13998,"sentiment":"neutral","sentiment_score":0.05552782863378525},{"text":"Well, this is just depends.","start":315.13998,"end":316.58,"sentiment":"neutral","sentiment_score":0.04417071789503098},{"text":"I think I just wanna keep it as investment for at least ten years and then probably and then probably sign them off.","start":316.58,"end":322.5,"sentiment":"neutral","sentiment_score":0.0695751162002916},{"text":"Yeah.","start":322.5,"end":323.0,"sentiment":"neutral","sentiment_score":0.08178885281085968}],"sentiment":"neutral","sentiment_score":0.09584534598980099,"num_words":32,"start":299.15,"end":323.0},{"sentences":[{"text":"Or or pass them on to the kids.","start":323.86,"end":326.34,"sentiment":"neutral","sentiment_score":0.13731064926832914},{"text":"I'm not sure.","start":326.34,"end":327.15997,"sentiment":"neutral","sentiment_score":-0.010908551514148712},{"text":"Exactly.","start":341.47998,"end":341.97998,"sentiment":"neutral","sentiment_score":0.02355833910405636},{"text":"I've got two older kids as well.","start":349.88,"end":351.74,"sentiment":"neutral","sentiment_score":-0.0071063837967813015},{"text":"Yeah.","start":355.435,"end":355.595,"sentiment":"neutral","sentiment_score":0.006961673032492399}],"sentiment":"neutral","sentiment_score":0.05232674325816333,"num_words":20,"start":323.86,"end":355.595},{"sentences":[{"text":"Yeah.","start":355.595,"end":355.835,"sentiment":"neutral","sentiment_score":0.005406574811786413},{"text":"So two older ones where I know I mean, I've got two properties already, but I wanna try another two more.","start":355.835,"end":361.835,"sentiment":"neutral","sentiment_score":0.0016953509212249802},{"text":"So at least for my other two young boys, at least they got something as 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good.","start":433.75,"end":434.65,"sentiment":"neutral","sentiment_score":0.051287961502869926},{"text":"Yeah.","start":440.595,"end":441.095,"sentiment":"neutral","sentiment_score":-0.12109798938035964},{"text":"Alright.","start":441.715,"end":442.215,"sentiment":"neutral","sentiment_score":-0.003247153013944626},{"text":"Yep.","start":484.58002,"end":484.90002,"sentiment":"neutral","sentiment_score":0.2123907655477524},{"text":"Yep.","start":484.90002,"end":485.22,"sentiment":"neutral","sentiment_score":0.2086944282054901}],"sentiment":"neutral","sentiment_score":0.06437199083822115,"num_words":7,"start":433.75,"end":485.22},{"sentences":[{"text":"That's good.","start":485.22,"end":486.04,"sentiment":"positive","sentiment_score":0.6236404180526733},{"text":"Yeah.","start":492.26,"end":492.5,"sentiment":"neutral","sentiment_score":0.03727812319993973},{"text":"I am on a house and a car.","start":492.5,"end":494.36002,"sentiment":"neutral","sentiment_score":0.043752379016950727},{"text":"Sorry.","start":510.53,"end":510.85,"sentiment":"neutral","sentiment_score":-0.02055685594677925},{"text":"Sorry.","start":510.85,"end":511.35,"sentiment":"neutral","sentiment_score":-0.02406572923064232}],"sentiment":"neutral","sentiment_score":0.12230426202026698,"num_words":13,"start":485.22,"end":511.35},{"sentences":[{"text":"What was that again?","start":513.01,"end":513.97003,"sentiment":"neutral","sentiment_score":-0.02118612453341484},{"text":"So so what's the max I can put in?","start":513.97003,"end":518.77,"sentiment":"neutral","sentiment_score":0.006214712953401936},{"text":"Like, how much can you put in to the 25,000 a year?","start":518.77,"end":521.385,"sentiment":"neutral","sentiment_score":0.00539724489984413},{"text":"Yep.","start":531.385,"end":531.885,"sentiment":"neutral","sentiment_score":0.013023635372519491},{"text":"So can you see how much I I put in last year?","start":534.985,"end":539.14,"sentiment":"neutral","sentiment_score":0.018900827659914892}],"sentiment":"neutral","sentiment_score":0.007257590119383837,"num_words":38,"start":513.01,"end":539.14},{"sentences":[{"text":"So I don't need to put any more than that because I'm gonna get a text for it.","start":572.98,"end":576.51996,"sentiment":"neutral","sentiment_score":0.014017265807423327},{"text":"It.","start":594.46497,"end":594.78,"sentiment":"neutral","sentiment_score":-0.05618581175804138},{"text":"Can you can you help me out on that?","start":674.13,"end":676.47,"sentiment":"neutral","sentiment_score":-0.10759841899077098},{"text":"No.","start":679.64996,"end":679.88995,"sentiment":"neutral","sentiment_score":-0.17389288544654846},{"text":"I mean, like no.","start":679.88995,"end":681.81,"sentiment":"neutral","sentiment_score":-0.13882948458194733}],"sentiment":"neutral","sentiment_score":-0.04549914005805145,"num_words":33,"start":572.98,"end":681.81},{"sentences":[{"text":"No.","start":681.81,"end":682.05,"sentiment":"neutral","sentiment_score":-0.156155064702034},{"text":"Like, I mean, I'm on my mind right now.","start":682.05,"end":683.81,"sentiment":"neutral","sentiment_score":-0.17412624922063616},{"text":"So, like, do you know how to get to that?","start":683.81,"end":685.32996,"sentiment":"neutral","sentiment_score":-0.051409344747662546},{"text":"But but so.","start":685.32996,"end":686.70996,"sentiment":"neutral","sentiment_score":-0.013688000539938608},{"text":"Okay.","start":688.875,"end":689.375,"sentiment":"neutral","sentiment_score":0.0057175010442733765}],"sentiment":"neutral","sentiment_score":-0.09469713565583031,"num_words":24,"start":681.81,"end":689.375},{"sentences":[{"text":"No.","start":689.595,"end":689.835,"sentiment":"neutral","sentiment_score":-0.022170156240463257},{"text":"That's okay.","start":689.835,"end":690.575,"sentiment":"neutral","sentiment_score":0.06840887479484081},{"text":"Okay.","start":697.595,"end":698.095,"sentiment":"neutral","sentiment_score":0.0639999657869339},{"text":"So that's all.","start":698.235,"end":699.295,"sentiment":"neutral","sentiment_score":0.08199128011862437},{"text":"That's all this time.","start":699.355,"end":700.575,"sentiment":"neutral","sentiment_score":0.06683685909956694}],"sentiment":"neutral","sentiment_score":0.06290625780820847,"num_words":11,"start":689.595,"end":700.575},{"sentences":[{"text":"Services.","start":701.42,"end":701.92,"sentiment":"neutral","sentiment_score":0.05592983961105347},{"text":"So the services and no.","start":703.01996,"end":710.07996,"sentiment":"neutral","sentiment_score":0.0304987158626318},{"text":"I think I did see it.","start":712.38,"end":714.3,"sentiment":"neutral","sentiment_score":0.021299273396531742},{"text":"Yeah.","start":714.3,"end":714.45996,"sentiment":"neutral","sentiment_score":0.025568887591362},{"text":"It's 1,900 couple months ago, I think.","start":714.45996,"end":719.495,"sentiment":"neutral","sentiment_score":0.045283787085541656}],"sentiment":"neutral","sentiment_score":0.033938722824677824,"num_words":20,"start":701.42,"end":719.495},{"sentences":[{"text":"Yep.","start":723.795,"end":724.295,"sentiment":"neutral","sentiment_score":0.058497052639722824},{"text":"Yeah.","start":727.955,"end":728.435,"sentiment":"neutral","sentiment_score":0.2536289691925049},{"text":"Oh, that's awesome.","start":728.435,"end":729.335,"sentiment":"positive","sentiment_score":0.5515589714050293},{"text":"Yep.","start":729.395,"end":729.895,"sentiment":"neutral","sentiment_score":0.3177025318145752},{"text":"The mobile's still 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now.","start":753.665,"end":755.045,"sentiment":"neutral","sentiment_score":0.059621992707252505}],"sentiment":"neutral","sentiment_score":0.05080958166056209,"num_words":9,"start":743.2,"end":755.045},{"sentences":[{"text":"Okay.","start":756.865,"end":757.265,"sentiment":"neutral","sentiment_score":0.10797078162431716},{"text":"Yep.","start":757.265,"end":757.58496,"sentiment":"neutral","sentiment_score":0.18939845263957977},{"text":"It says that.","start":757.58496,"end":758.485,"sentiment":"positive","sentiment_score":0.4427432219187419},{"text":"Yep.","start":765.58,"end":766.08,"sentiment":"neutral","sentiment_score":0.03724673390388489},{"text":"It says I'm eligible for $6,406.63.","start":773.66,"end":779.09503,"sentiment":"neutral","sentiment_score":0.03739906785388788}],"sentiment":"neutral","sentiment_score":0.15727000342061123,"num_words":12,"start":756.865,"end":779.09503},{"sentences":[{"text":"Yep.","start":814.165,"end":814.665,"sentiment":"neutral","sentiment_score":0.04521104693412781},{"text":"Yep.","start":832.275,"end":832.775,"sentiment":"neutral","sentiment_score":0.03928671032190323},{"text":"Yep.","start":843.635,"end":843.955,"sentiment":"neutral","sentiment_score":0.1162397488951683},{"text":"So what should I do then?","start":843.955,"end":845.57,"sentiment":"neutral","sentiment_score":0.03812443961699804},{"text":"Just leave it as it is for now?","start":845.57,"end":847.01,"sentiment":"neutral","sentiment_score":0.062199834268540144}],"sentiment":"neutral","sentiment_score":0.05453428341185346,"num_words":17,"start":814.165,"end":847.01},{"sentences":[{"text":"Or what what do I do?","start":847.01,"end":848.71,"sentiment":"neutral","sentiment_score":0.013388178621729216},{"text":"Yes.","start":863.435,"end":863.935,"sentiment":"neutral","sentiment_score":0.20684461295604703},{"text":"Yep.","start":873.94,"end":874.44,"sentiment":"neutral","sentiment_score":0.15590953826904297},{"text":"Okay.","start":912.19,"end":912.69,"sentiment":"neutral","sentiment_score":0.05987396836280823},{"text":"Because I'm putting in I'm putting in a 100 a week.","start":913.13495,"end":916.035,"sentiment":"neutral","sentiment_score":0.037772524085911835}],"sentiment":"neutral","sentiment_score":0.04592274781316519,"num_words":20,"start":847.01,"end":916.035},{"sentences":[{"text":"So 200 200 per pay.","start":916.255,"end":919.375,"sentiment":"neutral","sentiment_score":0.05197177976369858},{"text":"So that's fortnightly.","start":919.375,"end":920.355,"sentiment":"neutral","sentiment_score":0.09071634461482365},{"text":"That's what I've been contributing.","start":920.57495,"end":921.95496,"sentiment":"neutral","sentiment_score":0.21155837476253508},{"text":"Well, last this phone tree, I mean, just gone.","start":931.26,"end":933.9,"sentiment":"neutral","sentiment_score":-0.08365423646238115},{"text":"I made I think I made about $2.50, $2.52.","start":933.9,"end":936.96,"sentiment":"neutral","sentiment_score":-0.03817006510992845}],"sentiment":"neutral","sentiment_score":0.01591551910725332,"num_words":31,"start":916.255,"end":936.96},{"sentences":[{"text":"Hello?","start":981.635,"end":982.135,"sentiment":"neutral","sentiment_score":-0.00590806920081377},{"text":"Yep.","start":1018.16003,"end":1018.66003,"sentiment":"neutral","sentiment_score":0.07445243000984192},{"text":"Okay.","start":1022.64,"end":1023.14,"sentiment":"neutral","sentiment_score":-0.03238799795508385},{"text":"That's alright.","start":1024.575,"end":1025.315,"sentiment":"neutral","sentiment_score":0.07597395591437817},{"text":"Yep.","start":1037.2949,"end":1037.7949,"sentiment":"neutral","sentiment_score":0.06947337090969086}],"sentiment":"neutral","sentiment_score":0.04292960759873191,"num_words":6,"start":981.635,"end":1037.7949},{"sentences":[{"text":"Okay.","start":1046.48,"end":1046.98,"sentiment":"neutral","sentiment_score":0.03824542462825775},{"text":"Okay.","start":1067.91,"end":1068.41,"sentiment":"neutral","sentiment_score":0.06850728392601013},{"text":"Sounds good.","start":1069.03,"end":1069.85,"sentiment":"neutral","sentiment_score":0.22728592157363892},{"text":"Yeah.","start":1070.5499,"end":1070.79,"sentiment":"neutral","sentiment_score":0.14697948098182678},{"text":"It 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again?","start":1126.17,"end":1127.15,"sentiment":"neutral","sentiment_score":-0.11192157119512558}],"sentiment":"neutral","sentiment_score":-0.03730322063590089,"num_words":12,"start":1105.39,"end":1127.15},{"sentences":[{"text":"Yeah.","start":1134.4451,"end":1134.685,"sentiment":"neutral","sentiment_score":-0.008799321949481964},{"text":"Yeah.","start":1134.685,"end":1135.005,"sentiment":"neutral","sentiment_score":0.01075704861432314},{"text":"Doing that as well.","start":1135.005,"end":1135.805,"sentiment":"neutral","sentiment_score":0.024167469702661037},{"text":"So I'm paying 12%, but then I pay the I think I pay extra 2%, and then they do the extra 1.5 or 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3,000?","start":1248.415,"end":1251.075,"sentiment":"neutral","sentiment_score":0.00349432722578058}],"sentiment":"neutral","sentiment_score":0.02258504471292992,"num_words":41,"start":1212.13,"end":1251.075},{"sentences":[{"text":"Wow.","start":1290.0499,"end":1290.5499,"sentiment":"neutral","sentiment_score":0.054058656096458435},{"text":"So I think it might be better if I do have a dinner.","start":1292.21,"end":1295.59,"sentiment":"neutral","sentiment_score":0.04735450790478633},{"text":"Yep.","start":1314.35,"end":1314.85,"sentiment":"neutral","sentiment_score":0.03516387566924095},{"text":"Okay.","start":1315.63,"end":1316.13,"sentiment":"neutral","sentiment_score":0.03298095613718033},{"text":"Oh, okay.","start":1326.815,"end":1327.475,"sentiment":"neutral","sentiment_score":0.021814257837831974}],"sentiment":"neutral","sentiment_score":0.04341336701893144,"num_words":18,"start":1290.0499,"end":1327.475},{"sentences":[{"text":"Oh, yeah.","start":1328.255,"end":1328.895,"sentiment":"neutral","sentiment_score":0.007653245702385902},{"text":"I'll I'll yeah.","start":1328.895,"end":1330.095,"sentiment":"neutral","sentiment_score":0.00276249290133516},{"text":"Yeah.","start":1330.095,"end":1330.495,"sentiment":"neutral","sentiment_score":0.01252707466483116},{"text":"I reckon I will I reckon I will have $2.50 this year again.","start":1330.495,"end":1333.5549,"sentiment":"neutral","sentiment_score":-0.0019999701673021684},{"text":"So I better yeah.","start":1334.255,"end":1336.495,"sentiment":"neutral","sentiment_score":0.016226594801992178}],"sentiment":"neutral","sentiment_score":0.003262078774202129,"num_words":23,"start":1328.255,"end":1336.495},{"sentences":[{"text":"I'll I'll I'll I'll change that with 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it?","start":1379.365,"end":1386.9049,"sentiment":"neutral","sentiment_score":0.003610336000011081},{"text":"Yep.","start":1394.1799,"end":1394.6799,"sentiment":"neutral","sentiment_score":0.04726552590727806},{"text":"Yeah.","start":1403.475,"end":1403.715,"sentiment":"neutral","sentiment_score":0.029373161494731903},{"text":"Yeah.","start":1403.715,"end":1404.035,"sentiment":"neutral","sentiment_score":0.034001171588897705},{"text":"That's right.","start":1404.035,"end":1404.4349,"sentiment":"neutral","sentiment_score":0.06488871574401855}],"sentiment":"neutral","sentiment_score":0.012162859479968365,"num_words":26,"start":1379.365,"end":1404.4349},{"sentences":[{"text":"Yeah.","start":1404.4349,"end":1404.755,"sentiment":"neutral","sentiment_score":0.023889467120170593},{"text":"No.","start":1404.755,"end":1404.915,"sentiment":"neutral","sentiment_score":-0.01611439883708954},{"text":"That's okay.","start":1404.915,"end":1405.395,"sentiment":"neutral","sentiment_score":0.010927900671958923},{"text":"I'm I'm I am seeing a account turn in two weeks time anyway, so that's fine.","start":1405.395,"end":1409.335,"sentiment":"neutral","sentiment_score":0.024311836867127568},{"text":"Yes, please.","start":1421.25,"end":1421.89,"sentiment":"neutral","sentiment_score":0.06745444983243942}],"sentiment":"neutral","sentiment_score":0.02516041632572358,"num_words":22,"start":1404.4349,"end":1421.89},{"sentences":[{"text":"Yes, please.","start":1421.89,"end":1422.37,"sentiment":"neutral","sentiment_score":0.103971466422081},{"text":"If you could that'll be great.","start":1422.37,"end":1423.67,"sentiment":"neutral","sentiment_score":0.27818359434604645},{"text":"Yeah.","start":1440.245,"end":1440.5651,"sentiment":"neutral","sentiment_score":0.037663791328668594},{"text":"I'll just it's about 45, I think.","start":1440.5651,"end":1442.485,"sentiment":"neutral","sentiment_score":0.01964238259409155},{"text":"Yeah.","start":1442.485,"end":1442.7251,"sentiment":"neutral","sentiment_score":0.02599195577204227}],"sentiment":"neutral","sentiment_score":0.12224687789292897,"num_words":17,"start":1421.89,"end":1442.7251},{"sentences":[{"text":"Just be on fifth.","start":1442.7251,"end":1443.6051,"sentiment":"neutral","sentiment_score":0.007132518221624196},{"text":"I see.","start":1443.6051,"end":1444.3551,"sentiment":"neutral","sentiment_score":0.012637447565793991},{"text":"Yep.","start":1460.755,"end":1461.255,"sentiment":"neutral","sentiment_score":0.22809526324272156},{"text":"Okay.","start":1468.115,"end":1468.615,"sentiment":"positive","sentiment_score":0.3578088879585266},{"text":"Do I need to remove it?","start":1508.59,"end":1509.63,"sentiment":"neutral","sentiment_score":-0.1356074462334315}],"sentiment":"neutral","sentiment_score":-0.01242396844151829,"num_words":14,"start":1442.7251,"end":1509.63},{"sentences":[{"text":"I'll take this.","start":1509.63,"end":1510.27,"sentiment":"neutral","sentiment_score":-0.0631870503226916},{"text":"Isn't it?","start":1510.27,"end":1511.07,"sentiment":"neutral","sentiment_score":-0.017658987548202276},{"text":"That should be alright.","start":1511.07,"end":1512.13,"sentiment":"neutral","sentiment_score":0.013935466762632132},{"text":"Yes, sir.","start":1526.005,"end":1526.745,"sentiment":"neutral","sentiment_score":0.07417098060250282},{"text":"I know I know I know my my wife and the kids will be okay because then they we still got two properties.","start":1527.0449,"end":1531.945,"sentiment":"neutral","sentiment_score":0.03327049096317395}],"sentiment":"neutral","sentiment_score":0.021894882186589873,"num_words":34,"start":1509.63,"end":1531.945},{"sentences":[{"text":"And and then, like, there's there's still there's still a lot of, like, equity in both in the meanwhile.","start":1533.09,"end":1538.95,"sentiment":"neutral","sentiment_score":0.03519151751932345},{"text":"So I think I think I think I should be alright.","start":1539.81,"end":1542.23,"sentiment":"neutral","sentiment_score":0.06036510572514751},{"text":"So that's 200,000 is probably worth probably, like, $9.50 now.","start":1554.9149,"end":1559.24,"sentiment":"neutral","sentiment_score":0.021851914282888175},{"text":"Butler WA.","start":1563.38,"end":1565.4,"sentiment":"neutral","sentiment_score":0.006936307530850172},{"text":"No.","start":1578.855,"end":1579.095,"sentiment":"neutral","sentiment_score":-0.08086112886667252}],"sentiment":"neutral","sentiment_score":0.0345159447643646,"num_words":43,"start":1533.09,"end":1579.095},{"sentences":[{"text":"So I've got, I suppose, principal and interest in right now.","start":1579.095,"end":1583.275,"sentiment":"neutral","sentiment_score":-0.059953827410936356},{"text":"I can give you a second.","start":1583.335,"end":1584.375,"sentiment":"neutral","sentiment_score":-0.030399622706075508},{"text":"Because I I did I did I did take money out of that to buy another property.","start":1584.375,"end":1589.76,"sentiment":"neutral","sentiment_score":-0.09872572255485199},{"text":"I don't know if I was I don't know if I was expecting about that.","start":1590.14,"end":1593.2,"sentiment":"neutral","sentiment_score":-0.1790949061512947},{"text":"Can you sec can you yeah.","start":1593.82,"end":1597.0399,"sentiment":"neutral","sentiment_score":-0.022632670899232227}],"sentiment":"neutral","sentiment_score":-0.09713539525189183,"num_words":55,"start":1579.095,"end":1597.0399},{"sentences":[{"text":"Yeah.","start":1602.965,"end":1603.285,"sentiment":"neutral","sentiment_score":-0.005567619577050209},{"text":"So it's about it's about $6.50 now.","start":1603.285,"end":1605.765,"sentiment":"neutral","sentiment_score":-0.0037889204187584774},{"text":"It's about $6.50 now.","start":1605.765,"end":1607.385,"sentiment":"neutral","sentiment_score":0.021739119896665215},{"text":"So that's in South Hedland where I'm at.","start":1609.845,"end":1612.825,"sentiment":"neutral","sentiment_score":0.028320509009063244},{"text":"So that one that first one is worth, like, $9.20 is it's 374 owing on that one.","start":1614.88,"end":1621.38,"sentiment":"neutral","sentiment_score":0.07655767373302404}],"sentiment":"neutral","sentiment_score":0.042781376827357186,"num_words":37,"start":1602.965,"end":1621.38},{"sentences":[{"text":"And then that and then that $6.50, that one's 340 owing.","start":1621.52,"end":1629.1349,"sentiment":"neutral","sentiment_score":0.0749905759638006},{"text":"Yeah.","start":1637.115,"end":1637.355,"sentiment":"neutral","sentiment_score":0.0034529520198702812},{"text":"So that that that first one was $9.20, we're getting $6.80 for that.","start":1637.355,"end":1643.28,"sentiment":"neutral","sentiment_score":0.019386346093737163},{"text":"6 80 a week for that.","start":1643.3401,"end":1644.9601,"sentiment":"neutral","sentiment_score":0.016425175592303276},{"text":"And the actual mortgage on that is right now what is it?","start":1645.02,"end":1650.78,"sentiment":"neutral","sentiment_score":-0.008187942517300447}],"sentiment":"neutral","sentiment_score":0.025131803027592426,"num_words":43,"start":1621.52,"end":1650.78},{"sentences":[{"text":"Sorry.","start":1650.78,"end":1651.28,"sentiment":"neutral","sentiment_score":-0.05421564728021622},{"text":"Just just loading.","start":1651.695,"end":1652.255,"sentiment":"neutral","sentiment_score":-0.043542783707380295},{"text":"I think it's about just just on the the $15.37 months for that one.","start":1652.255,"end":1659.7949,"sentiment":"neutral","sentiment_score":-0.027362651590790068},{"text":"Oh, sorry.","start":1660.735,"end":1661.215,"sentiment":"neutral","sentiment_score":-0.026359548792243004},{"text":"Sorry.","start":1661.215,"end":1661.715,"sentiment":"neutral","sentiment_score":0.0044870320707559586}],"sentiment":"neutral","sentiment_score":-0.029340627913673718,"num_words":21,"start":1650.78,"end":1661.715},{"sentences":[{"text":"A fortnightly fortnightly.","start":1661.7749,"end":1662.995,"sentiment":"neutral","sentiment_score":0.0549149252474308},{"text":"Oh, wait.","start":1665.25,"end":1665.91,"sentiment":"neutral","sentiment_score":0.03543652780354023},{"text":"Let let me have a sorry.","start":1666.37,"end":1667.97,"sentiment":"neutral","sentiment_score":0.05381282760451237},{"text":"July 6.","start":1667.97,"end":1669.01,"sentiment":"neutral","sentiment_score":0.011633504182100296},{"text":"Yeah.","start":1669.01,"end":1669.25,"sentiment":"neutral","sentiment_score":0.028029002249240875}],"sentiment":"neutral","sentiment_score":0.04355648625642061,"num_words":14,"start":1661.7749,"end":1669.25},{"sentences":[{"text":"Yeah.","start":1669.25,"end":1669.41,"sentiment":"neutral","sentiment_score":0.0336604081094265},{"text":"Four nightly fortnightly.","start":1669.41,"end":1670.39,"sentiment":"neutral","sentiment_score":0.03192252293229103},{"text":"$15.37 fortnightly.","start":1670.6901,"end":1672.23,"sentiment":"neutral","sentiment_score":0.03345412574708462},{"text":"And the other one is so like I said, that's getting $6.80 a week.","start":1672.77,"end":1678.815,"sentiment":"neutral","sentiment_score":0.06903602475566524},{"text":"And and this time and this other one is $12.12 12 a fortnight.","start":1679.4349,"end":1686.415,"sentiment":"neutral","sentiment_score":0.010977207629296642}],"sentiment":"neutral","sentiment_score":0.039561947701837526,"num_words":33,"start":1669.25,"end":1686.415},{"sentences":[{"text":"And and I'm and I'm getting 1,400 a week for that.","start":1688.79,"end":1692.0901,"sentiment":"neutral","sentiment_score":0.042263892902569336},{"text":"So that one is $12.12 $1,216.09.","start":1700.8151,"end":1707.615,"sentiment":"neutral","sentiment_score":0.003938325059910615},{"text":"And that's and that's 14 hundred weeks.","start":1707.615,"end":1709.295,"sentiment":"neutral","sentiment_score":0.026089247848306383},{"text":"So that one's positive gearing.","start":1709.295,"end":1710.755,"sentiment":"neutral","sentiment_score":0.0036475280998274685},{"text":"So I think that that's negative.","start":1711.135,"end":1713.75,"sentiment":"neutral","sentiment_score":-0.16871542483568192}],"sentiment":"neutral","sentiment_score":-0.009225640036830945,"num_words":35,"start":1688.79,"end":1713.75},{"sentences":[{"text":"Yeah.","start":1713.75,"end":1714.25,"sentiment":"neutral","sentiment_score":-0.04107391834259033},{"text":"But the the one that's positive gearing, that's 100% under my wife's name.","start":1714.63,"end":1719.29,"sentiment":"neutral","sentiment_score":0.1169130289210723},{"text":"No.","start":1729.745,"end":1730.065,"sentiment":"neutral","sentiment_score":-0.028948694467544556},{"text":"That part load is fifty fifty.","start":1730.065,"end":1731.605,"sentiment":"neutral","sentiment_score":-0.02461916022002697},{"text":"Yep.","start":1743.87,"end":1744.37,"sentiment":"neutral","sentiment_score":0.152602419257164}],"sentiment":"neutral","sentiment_score":0.06612428277730942,"num_words":22,"start":1713.75,"end":1744.37},{"sentences":[{"text":"Anytime is fun.","start":1760.3049,"end":1761.5049,"sentiment":"neutral","sentiment_score":0.16663052141666412},{"text":"Anytime he can come in and talk to you.","start":1761.5049,"end":1763.445,"sentiment":"neutral","sentiment_score":0.058603902657826744},{"text":"Yes.","start":1777.94,"end":1778.44,"sentiment":"neutral","sentiment_score":0.008908392861485481},{"text":"Yeah.","start":1797.1699,"end":1797.33,"sentiment":"neutral","sentiment_score":0.03372808173298836},{"text":"Yeah.","start":1797.33,"end":1797.49,"sentiment":"neutral","sentiment_score":0.037066053599119186}],"sentiment":"neutral","sentiment_score":0.07380194775760174,"num_words":15,"start":1760.3049,"end":1797.49},{"sentences":[{"text":"I understand all that.","start":1797.49,"end":1798.45,"sentiment":"neutral","sentiment_score":0.02024579793214798},{"text":"So what I was gonna say is what's you know how that first one you said is is on 700 and you said if I if I wanna make a make a more, but how much am I paying now for, like, coming up?","start":1798.45,"end":1815.545,"sentiment":"neutral","sentiment_score":0.00011646577199413018},{"text":"Yeah.","start":1830.0701,"end":1830.31,"sentiment":"neutral","sentiment_score":0.020484520122408867},{"text":"Yeah.","start":1830.31,"end":1830.81,"sentiment":"neutral","sentiment_score":0.06976473331451416},{"text":"So if I want to increase that to a million, what would that be?","start":1844.005,"end":1848.345,"sentiment":"neutral","sentiment_score":0.06285442199025836}],"sentiment":"neutral","sentiment_score":0.01650498198432615,"num_words":64,"start":1797.49,"end":1848.345},{"sentences":[{"text":"Yes, sir.","start":1866.3551,"end":1867.0951,"sentiment":"neutral","sentiment_score":0.15323887765407562},{"text":"Sorry.","start":1903.46,"end":1903.5,"sentiment":"neutral","sentiment_score":-0.19022151827812195},{"text":"I don't I don't understand what you mean.","start":1903.5,"end":1911.06,"sentiment":"neutral","sentiment_score":-0.19905636832118034},{"text":"Yeah.","start":1911.06,"end":1911.3,"sentiment":"neutral","sentiment_score":-0.06222647428512573},{"text":"Yeah.","start":1911.3,"end":1911.62,"sentiment":"neutral","sentiment_score":-0.054140545427799225}],"sentiment":"neutral","sentiment_score":-0.12250474840402603,"num_words":13,"start":1866.3551,"end":1911.62},{"sentences":[{"text":"Oh, so sorry.","start":1911.62,"end":1912.4401,"sentiment":"neutral","sentiment_score":-0.1020604819059372},{"text":"Yeah.","start":1914.5,"end":1915.0,"sentiment":"neutral","sentiment_score":-0.11924885213375092},{"text":"So So what what what would it cost for income protection?","start":1927.9551,"end":1930.48,"sentiment":"neutral","sentiment_score":-0.07882669297131625},{"text":"Yep.","start":1980.095,"end":1980.595,"sentiment":"neutral","sentiment_score":0.07390131801366806},{"text":"Oh, so so so so so so so so life insurance, I've got 700 and CPD, I've got 700, don't I?","start":2041.51,"end":2058.885,"sentiment":"neutral","sentiment_score":-0.06395444012291375}],"sentiment":"neutral","sentiment_score":-0.06923421202982599,"num_words":37,"start":1911.62,"end":2058.885},{"sentences":[{"text":"Yeah.","start":2058.885,"end":2059.385,"sentiment":"neutral","sentiment_score":0.023700077086687088},{"text":"Yep.","start":2081.7048,"end":2082.2048,"sentiment":"neutral","sentiment_score":-0.022357795387506485},{"text":"Yeah.","start":2090.82,"end":2091.32,"sentiment":"neutral","sentiment_score":0.006942568346858025},{"text":"So that's that's a logo, dude.","start":2093.9402,"end":2096.84,"sentiment":"neutral","sentiment_score":-0.000023953461398681004},{"text":"Yeah.","start":2114.375,"end":2114.875,"sentiment":"neutral","sentiment_score":0.014308951795101166}],"sentiment":"neutral","sentiment_score":0.002245008107274771,"num_words":10,"start":2058.885,"end":2114.875},{"sentences":[{"text":"Yes.","start":2147.865,"end":2148.365,"sentiment":"neutral","sentiment_score":0.03650256618857384},{"text":"Yep.","start":2157.44,"end":2157.94,"sentiment":"neutral","sentiment_score":0.07557421922683716},{"text":"So the longer you wait, the cheaper will be, will it?","start":2258.595,"end":2262.1948,"sentiment":"neutral","sentiment_score":-0.024793006987734276},{"text":"Or yeah.","start":2262.1948,"end":2274.25,"sentiment":"neutral","sentiment_score":-0.005853590555489063},{"text":"I think it will be three months.","start":2274.25,"end":2277.07,"sentiment":"neutral","sentiment_score":0.005365794923688684}],"sentiment":"neutral","sentiment_score":-0.006126950367946516,"num_words":22,"start":2147.865,"end":2277.07},{"sentences":[{"text":"Yep.","start":2281.245,"end":2281.745,"sentiment":"neutral","sentiment_score":0.10172003507614136},{"text":"Well, if you see the longer the work, the more the pay pay is probably the faster.","start":2320.25,"end":2324.67,"sentiment":"neutral","sentiment_score":-0.031244641389040387},{"text":"So you mean getting paid for two years?","start":2332.2651,"end":2334.185,"sentiment":"neutral","sentiment_score":-0.017440831288695335},{"text":"Is that what you mean?","start":2334.185,"end":2335.245,"sentiment":"neutral","sentiment_score":-0.017654388770461084},{"text":"Yes.","start":2340.5852,"end":2341.0852,"sentiment":"neutral","sentiment_score":0.0235185194760561}],"sentiment":"neutral","sentiment_score":-0.019803716975729913,"num_words":32,"start":2281.245,"end":2341.0852},{"sentences":[{"text":"Yeah.","start":2349.1401,"end":2349.46,"sentiment":"neutral","sentiment_score":0.03496666997671127},{"text":"Yeah.","start":2349.46,"end":2349.78,"sentiment":"neutral","sentiment_score":0.057932667434215546},{"text":"So, yeah, it should be alright.","start":2349.78,"end":2351.0,"sentiment":"neutral","sentiment_score":0.10104297970732053},{"text":"Yes.","start":2353.06,"end":2353.56,"sentiment":"neutral","sentiment_score":0.18735933303833008},{"text":"And if you take out income protection, what would that be?","start":2365.895,"end":2369.675,"sentiment":"neutral","sentiment_score":-0.004821590232578191}],"sentiment":"neutral","sentiment_score":0.041673952806741,"num_words":20,"start":2349.1401,"end":2369.675},{"sentences":[{"text":"Yep.","start":2395.9348,"end":2396.4348,"sentiment":"neutral","sentiment_score":-0.028585191816091537},{"text":"Oh Unless, obviously, you can change it and drop it this address.","start":2415.565,"end":2436.61,"sentiment":"neutral","sentiment_score":-0.1681814348946015},{"text":"Yeah.","start":2447.5251,"end":2448.0251,"sentiment":"neutral","sentiment_score":-0.06646329164505005},{"text":"No.","start":2449.7651,"end":2450.0852,"sentiment":"neutral","sentiment_score":-0.11024247109889984},{"text":"I I won't take the competition in there.","start":2450.0852,"end":2457.925,"sentiment":"neutral","sentiment_score":-0.08580374345183372}],"sentiment":"neutral","sentiment_score":-0.12651730960477953,"num_words":23,"start":2395.9348,"end":2457.925},{"sentences":[{"text":"Yeah.","start":2457.925,"end":2458.165,"sentiment":"neutral","sentiment_score":0.02377139776945114},{"text":"So but then for for, like, just t what was the other one?","start":2458.165,"end":2465.1501,"sentiment":"neutral","sentiment_score":-0.021932896943046495},{"text":"What was it?","start":2465.1501,"end":2465.71,"sentiment":"neutral","sentiment_score":-0.01774932195742925},{"text":"T p d what was the other one?","start":2465.71,"end":2467.3901,"sentiment":"neutral","sentiment_score":-0.017454587039537728},{"text":"Life insurance.","start":2467.3901,"end":2468.1301,"sentiment":"neutral","sentiment_score":-0.04063411429524422}],"sentiment":"neutral","sentiment_score":-0.019833672343304864,"num_words":27,"start":2457.925,"end":2468.1301},{"sentences":[{"text":"So so can I just so if I just increase life insurance to a million, what would what would what would that be then just for that?","start":2471.07,"end":2478.905,"sentiment":"neutral","sentiment_score":-0.04853806058289828},{"text":"Sorry.","start":2519.3198,"end":2519.64,"sentiment":"neutral","sentiment_score":-0.0368327833712101},{"text":"Can you hear that wind or that's okay?","start":2519.64,"end":2522.22,"sentiment":"neutral","sentiment_score":-0.04438212816603482},{"text":"Okay.","start":2603.73,"end":2604.23,"sentiment":"neutral","sentiment_score":0.022964321076869965},{"text":"So so so if I if I put it like if we make it a million and then it's gonna be 1.3 now, so so does that mean I have to pay extra tax or something?","start":2609.7676,"end":2626.305,"sentiment":"neutral","sentiment_score":0.03932452739940749}],"sentiment":"neutral","sentiment_score":-0.0036132895477014046,"num_words":73,"start":2471.07,"end":2626.305},{"sentences":[{"text":"Yes.","start":2637.95,"end":2638.45,"sentiment":"neutral","sentiment_score":0.17684105038642883},{"text":"If I take it out of the livestock, but if you if I take it out, there's, like, money coming per week.","start":2651.365,"end":2656.825,"sentiment":"neutral","sentiment_score":0.08633441816676747},{"text":"Yep.","start":2661.24,"end":2661.74,"sentiment":"neutral","sentiment_score":0.2284894436597824},{"text":"Yep.","start":2686.03,"end":2686.53,"sentiment":"neutral","sentiment_score":0.057425957173109055},{"text":"Yeah.","start":2700.415,"end":2700.915,"sentiment":"neutral","sentiment_score":0.02244315668940544}],"sentiment":"neutral","sentiment_score":0.09171372336836961,"num_words":26,"start":2637.95,"end":2700.915},{"sentences":[{"text":"Yeah.","start":2706.655,"end":2706.895,"sentiment":"neutral","sentiment_score":0.01990773528814316},{"text":"Three thousand.","start":2706.895,"end":2707.6948,"sentiment":"neutral","sentiment_score":0.013637158088386059},{"text":"Yep.","start":2707.6948,"end":2708.1948,"sentiment":"neutral","sentiment_score":0.033503226935863495},{"text":"But it all but it all it all just comes it all just comes out of my super anyway, doesn't it?","start":2708.655,"end":2713.2349,"sentiment":"neutral","sentiment_score":-0.1087477623174588},{"text":"Yeah.","start":2714.71,"end":2715.21,"sentiment":"neutral","sentiment_score":-0.25294020771980286}],"sentiment":"neutral","sentiment_score":-0.0944599206917561,"num_words":26,"start":2706.655,"end":2715.21},{"sentences":[{"text":"Woah.","start":2737.885,"end":2738.385,"sentiment":"neutral","sentiment_score":-0.030819406732916832},{"text":"So so you reckon I should do a million dollars then?","start":2740.285,"end":2746.3801,"sentiment":"neutral","sentiment_score":0.004270740192044865},{"text":"Because, like, I mean, it's only it's it's it's gonna cost extra 1,300, isn't it?","start":2746.3801,"end":2753.02,"sentiment":"neutral","sentiment_score":-0.05959379350145658},{"text":"Almost 500.","start":2753.02,"end":2753.82,"sentiment":"neutral","sentiment_score":-0.008371589239686728},{"text":"Yeah.","start":2753.82,"end":2754.32,"sentiment":"neutral","sentiment_score":0.01987145096063614}],"sentiment":"neutral","sentiment_score":-0.02915399648870031,"num_words":30,"start":2737.885,"end":2754.32},{"sentences":[{"text":"Oh, the one.","start":2768.5852,"end":2769.705,"sentiment":"neutral","sentiment_score":-0.08679566284020741},{"text":"Oh, okay.","start":2769.705,"end":2770.365,"sentiment":"neutral","sentiment_score":-0.07815778255462646},{"text":"Yeah.","start":2780.89,"end":2781.39,"sentiment":"neutral","sentiment_score":-0.026237983256578445},{"text":"Yes.","start":2833.2102,"end":2833.7102,"sentiment":"neutral","sentiment_score":-0.05558568611741066},{"text":"Yeah.","start":2851.375,"end":2851.615,"sentiment":"neutral","sentiment_score":0.2985416650772095}],"sentiment":"neutral","sentiment_score":-0.024998069740831852,"num_words":8,"start":2768.5852,"end":2851.615},{"sentences":[{"text":"I'm happy to do that as it 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happening, and I never heard that.","start":3361.29,"end":3365.77,"sentiment":"neutral","sentiment_score":-0.12266343293918504}],"sentiment":"neutral","sentiment_score":-0.06714612618088722,"num_words":29,"start":3336.52,"end":3365.77},{"sentences":[{"text":"I don't think so.","start":3365.77,"end":3366.83,"sentiment":"neutral","sentiment_score":-0.14626017771661282},{"text":"Yeah.","start":3367.61,"end":3368.11,"sentiment":"neutral","sentiment_score":-0.2870677709579468},{"text":"Well, that oh, yeah.","start":3371.3352,"end":3372.8552,"sentiment":"neutral","sentiment_score":0.032675459049642086},{"text":"Yeah.","start":3372.8552,"end":3373.0151,"sentiment":"neutral","sentiment_score":0.03709784895181656},{"text":"Yeah.","start":3373.0151,"end":3373.3352,"sentiment":"neutral","sentiment_score":0.0630536824464798}],"sentiment":"neutral","sentiment_score":-0.0582959194752303,"num_words":11,"start":3365.77,"end":3373.3352},{"sentences":[{"text":"I definitely wanna go and definitely look 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it.","start":3504.29,"end":3508.545,"sentiment":"neutral","sentiment_score":-0.23433895196233476},{"text":"Now I've got three years left.","start":3508.545,"end":3510.005,"sentiment":"neutral","sentiment_score":-0.07506704144179821},{"text":"So so really let me look into it.","start":3515.425,"end":3518.785,"sentiment":"neutral","sentiment_score":0.0024369993479922414},{"text":"So I do post tax and pre tax.","start":3518.785,"end":3521.045,"sentiment":"neutral","sentiment_score":0.014181350241415203},{"text":"It's it's well, I mean, it's a thousand and then it's a 100 just in here.","start":3523.17,"end":3530.05,"sentiment":"neutral","sentiment_score":0.034619234036654234}],"sentiment":"neutral","sentiment_score":-0.058544096823495165,"num_words":52,"start":3504.29,"end":3530.05},{"sentences":[{"text":"I'll bring it up and I I can tell you.","start":3530.05,"end":3532.0698,"sentiment":"neutral","sentiment_score":0.06575421020388603},{"text":"So let me look into 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got a call from you.","start":3616.01,"end":3619.95,"sentiment":"neutral","sentiment_score":0.037016230292226136}],"sentiment":"neutral","sentiment_score":0.036995207630097865,"num_words":50,"start":3605.555,"end":3619.95},{"sentences":[{"text":"Well, we're hoping hopefully to try to put away, like, at least 500 a week.","start":3634.0598,"end":3640.5398,"sentiment":"neutral","sentiment_score":-0.04671080447733402},{"text":"Sorry.","start":3640.5398,"end":3641.0398,"sentiment":"neutral","sentiment_score":-0.06795082986354828},{"text":"Minimum.","start":3641.0999,"end":3641.5999,"sentiment":"neutral","sentiment_score":-0.041291624307632446},{"text":"That's minimum.","start":3642.22,"end":3643.0398,"sentiment":"neutral","sentiment_score":-0.0019226642325520515},{"text":"Yeah.","start":3643.0999,"end":3643.5999,"sentiment":"neutral","sentiment_score":0.30290329456329346}],"sentiment":"neutral","sentiment_score":-0.025542327761650087,"num_words":20,"start":3634.0598,"end":3643.5999},{"sentences":[{"text":"So that's why I wanna try to do this financial plan and see if we can make it work.","start":3643.8198,"end":3647.5999,"sentiment":"positive","sentiment_score":0.3721316158771515},{"text":"Yeah.","start":3652.7349,"end":3653.2349,"sentiment":"neutral","sentiment_score":0.06733761727809906},{"text":"Yeah.","start":3682.455,"end":3682.695,"sentiment":"neutral","sentiment_score":0.07811287045478821},{"text":"Could you put that as a recap as well?","start":3682.695,"end":3685.115,"sentiment":"neutral","sentiment_score":0.08794763187567393},{"text":"Add all that as well?","start":3685.255,"end":3686.625,"sentiment":"neutral","sentiment_score":0.0826555609703064}],"sentiment":"neutral","sentiment_score":0.24059307660375323,"num_words":35,"start":3643.8198,"end":3686.625},{"sentences":[{"text":"Yep.","start":3686.625,"end":3687.125,"sentiment":"neutral","sentiment_score":0.1789863556623459},{"text":"And then, like, when you charge for your services, if we do need the actual device.","start":3689.36,"end":3693.6,"sentiment":"neutral","sentiment_score":0.10350814880803227},{"text":"Yeah.","start":3693.6,"end":3694.1,"sentiment":"neutral","sentiment_score":0.11651672422885896},{"text":"Yes.","start":3705.465,"end":3705.625,"sentiment":"neutral","sentiment_score":0.05661439150571823},{"text":"We did.","start":3705.625,"end":3706.025,"sentiment":"neutral","sentiment_score":0.07403577864170074}],"sentiment":"neutral","sentiment_score":0.10268187664804004,"num_words":21,"start":3686.625,"end":3706.025},{"sentences":[{"text":"We got we got married last year.","start":3706.025,"end":3707.945,"sentiment":"neutral","sentiment_score":0.05938186230404036},{"text":"Yeah.","start":3707.945,"end":3708.105,"sentiment":"neutral","sentiment_score":0.10092543065547945},{"text":"We got married last year in Bali.","start":3708.105,"end":3709.805,"sentiment":"neutral","sentiment_score":0.22492857703140803},{"text":"And and it's been a it's been a year now, just last week.","start":3710.745,"end":3713.805,"sentiment":"neutral","sentiment_score":0.33058183926802415},{"text":"Yeah.","start":3714.505,"end":3715.005,"sentiment":"neutral","sentiment_score":0.14431023597717285}],"sentiment":"neutral","sentiment_score":0.22527491905052086,"num_words":29,"start":3706.025,"end":3715.005},{"sentences":[{"text":"No.","start":3718.4402,"end":3718.76,"sentiment":"neutral","sentiment_score":-0.036063097417354584},{"text":"We just we just went out.","start":3718.76,"end":3720.4402,"sentiment":"neutral","sentiment_score":-0.011551664831737677},{"text":"We just went to dinner because we just got too much plans coming up.","start":3720.4402,"end":3724.4402,"sentiment":"neutral","sentiment_score":-0.025798904576471875},{"text":"But, well, I think the holidays coming up, and we just started to sacrifice it.","start":3724.4402,"end":3731.975,"sentiment":"neutral","sentiment_score":0.007874203100800514},{"text":"Yeah.","start":3733.395,"end":3733.895,"sentiment":"neutral","sentiment_score":0.2811346650123596}],"sentiment":"neutral","sentiment_score":-0.0018191902420005284,"num_words":37,"start":3718.4402,"end":3733.895},{"sentences":[{"text":"So the the rest is in Sunday.","start":3734.035,"end":3735.7349,"sentiment":"neutral","sentiment_score":0.18054844439029694},{"text":"Yeah.","start":3735.795,"end":3736.295,"sentiment":"neutral","sentiment_score":0.1834418922662735},{"text":"Yeah.","start":3745.29,"end":3745.61,"sentiment":"neutral","sentiment_score":0.05296711623668671},{"text":"So we are that's what she was talking to me today about.","start":3745.61,"end":3748.8901,"sentiment":"neutral","sentiment_score":0.06101091764867306},{"text":"Like, if it's the house that she likes, then she wants to kinda, like, just buy outright and and I think it's got one I've got a bill a million.","start":3748.8901,"end":3757.865,"sentiment":"neutral","sentiment_score":0.08324170547227065}],"sentiment":"neutral","sentiment_score":0.0927378489252399,"num_words":51,"start":3734.035,"end":3757.865},{"sentences":[{"text":"So so in the next three years, that's what she wants to do.","start":3758.005,"end":3761.845,"sentiment":"neutral","sentiment_score":0.08407339740257996},{"text":"So we just sell our properties and then, okay, I see we could get 300 and then we can buy it outright here.","start":3761.845,"end":3768.425,"sentiment":"neutral","sentiment_score":0.15259308594724405},{"text":"Yeah.","start":3777.6199,"end":3778.0198,"sentiment":"neutral","sentiment_score":0.051732536405324936},{"text":"Just at least I have another couple more properties.","start":3778.0198,"end":3781.5598,"sentiment":"neutral","sentiment_score":0.0639422916703754},{"text":"Yes.","start":3784.545,"end":3785.045,"sentiment":"neutral","sentiment_score":0.09993192553520204}],"sentiment":"neutral","sentiment_score":0.11339872829774593,"num_words":47,"start":3758.005,"end":3785.045},{"sentences":[{"text":"Definitely.","start":3786.145,"end":3786.645,"sentiment":"positive","sentiment_score":0.3367622494697571},{"text":"Yeah.","start":3788.785,"end":3789.285,"sentiment":"neutral","sentiment_score":0.05918605253100395},{"text":"Pretty much.","start":3792.305,"end":3793.125,"sentiment":"neutral","sentiment_score":0.10356198251247406},{"text":"Exactly.","start":3794.065,"end":3794.565,"sentiment":"neutral","sentiment_score":0.10605594515800476},{"text":"Exactly.","start":3794.7048,"end":3795.2048,"sentiment":"neutral","sentiment_score":0.12573562562465668}],"sentiment":"neutral","sentiment_score":0.13914397296806177,"num_words":6,"start":3786.145,"end":3795.2048},{"sentences":[{"text":"Yep.","start":3818.915,"end":3819.415,"sentiment":"neutral","sentiment_score":0.08655770868062973},{"text":"Yeah.","start":3848.675,"end":3848.915,"sentiment":"neutral","sentiment_score":-0.10061275213956831},{"text":"That's that's uncomfortable.","start":3848.915,"end":3850.455,"sentiment":"negative","sentiment_score":-0.3940633038679759},{"text":"Yep.","start":3850.595,"end":3851.095,"sentiment":"neutral","sentiment_score":0.0642506331205368},{"text":"Yes.","start":3863.5898,"end":3864.0898,"sentiment":"neutral","sentiment_score":0.04233604669570923}],"sentiment":"neutral","sentiment_score":-0.15566546789237432,"num_words":7,"start":3818.915,"end":3864.0898},{"sentences":[{"text":"So one of the questions was on my speaker form, did I write down that that I was spoken?","start":3864.15,"end":3871.13,"sentiment":"neutral","sentiment_score":0.014263900634097425},{"text":"Yeah.","start":3875.595,"end":3875.9148,"sentiment":"neutral","sentiment_score":0.023522231727838516},{"text":"Insurance is here.","start":3875.9148,"end":3877.1348,"sentiment":"neutral","sentiment_score":0.015129492928584417},{"text":"Like, I did stop and then I'm just like I'm always starting, stopping, starting, stopping, so I just wanna know what I'm talking about.","start":3877.4348,"end":3885.375,"sentiment":"neutral","sentiment_score":-0.002739596303399594},{"text":"Yeah.","start":3897.48,"end":3897.98,"sentiment":"neutral","sentiment_score":-0.05407922714948654}],"sentiment":"neutral","sentiment_score":0.004585318419382626,"num_words":48,"start":3864.15,"end":3897.98},{"sentences":[{"text":"No.","start":3907.375,"end":3907.6948,"sentiment":"neutral","sentiment_score":-0.12439657747745514},{"text":"I wasn't in.","start":3907.6948,"end":3908.4148,"sentiment":"neutral","sentiment_score":-0.1499385486046473},{"text":"I'm just kinda, like, just started up, like, again this year.","start":3908.4148,"end":3911.3948,"sentiment":"neutral","sentiment_score":-0.10113881934772838},{"text":"But it's just it's just, like, now and then, you know, like, not all the time, but I just rather be on the safe side.","start":3912.015,"end":3915.79,"sentiment":"neutral","sentiment_score":-0.01023345310240984},{"text":"Yeah.","start":3920.73,"end":3921.23,"sentiment":"neutral","sentiment_score":0.03166334703564644}],"sentiment":"neutral","sentiment_score":-0.04660761504002461,"num_words":41,"start":3907.375,"end":3921.23},{"sentences":[{"text":"Awesome.","start":3941.355,"end":3941.855,"sentiment":"positive","sentiment_score":0.4059228599071502},{"text":"No.","start":3953.08,"end":3953.24,"sentiment":"neutral","sentiment_score":-0.07079456001520157},{"text":"Thanks very much for the so the machine is telling me it's definitely no.","start":3953.24,"end":3960.0151,"sentiment":"neutral","sentiment_score":-0.1255490402025836},{"text":"You don't need to be fine at all.","start":3960.0151,"end":3961.215,"sentiment":"neutral","sentiment_score":-0.22539070807397366},{"text":"Like, what you what you what you just just found that voice is good.","start":3961.215,"end":3964.975,"sentiment":"neutral","sentiment_score":0.16561342562947953}],"sentiment":"neutral","sentiment_score":-0.023870946545349925,"num_words":38,"start":3941.355,"end":3964.975},{"sentences":[{"text":"I guess I needed it and opened my eyes the morning.","start":3964.975,"end":3968.415,"sentiment":"neutral","sentiment_score":0.31598706475713034},{"text":"So yeah.","start":3968.415,"end":3968.975,"sentiment":"neutral","sentiment_score":0.18926159292459488},{"text":"No.","start":3968.975,"end":3969.055,"sentiment":"neutral","sentiment_score":0.05131274461746216},{"text":"Thank you for that.","start":3969.055,"end":3969.615,"sentiment":"positive","sentiment_score":0.40724850445985794},{"text":"I'll just wait for I'll just wait for that recap and then reply back to you from there.","start":3969.615,"end":3978.45,"sentiment":"neutral","sentiment_score":0.1697386238310072}],"sentiment":"neutral","sentiment_score":0.238610635822018,"num_words":36,"start":3964.975,"end":3978.45},{"sentences":[{"text":"Yes.","start":3978.45,"end":3978.95,"sentiment":"neutral","sentiment_score":0.08752529323101044},{"text":"Yeah.","start":3994.325,"end":3994.645,"sentiment":"neutral","sentiment_score":0.23012444376945496},{"text":"Yeah.","start":3994.645,"end":3994.885,"sentiment":"neutral","sentiment_score":0.2721489667892456},{"text":"That's right.","start":3994.885,"end":3995.365,"sentiment":"positive","sentiment_score":0.38273032009601593},{"text":"Yeah.","start":3995.365,"end":3995.865,"sentiment":"neutral","sentiment_score":0.3024863004684448}],"sentiment":"neutral","sentiment_score":0.27629094074169797,"num_words":6,"start":3978.45,"end":3995.865},{"sentences":[{"text":"Thank you so much.","start":3998.99,"end":4000.69,"sentiment":"positive","sentiment_score":0.7790941894054413},{"text":"Okay.","start":4004.5898,"end":4005.0898,"sentiment":"positive","sentiment_score":0.45235657691955566},{"text":"Okay.","start":4008.99,"end":4009.49,"sentiment":"neutral","sentiment_score":0.3219037353992462},{"text":"Thank you.","start":4009.5498,"end":4009.95,"sentiment":"positive","sentiment_score":0.6537282168865204},{"text":"Bye.","start":4009.95,"end":4010.45,"sentiment":"positive","sentiment_score":0.40278053283691406}],"sentiment":"positive","sentiment_score":0.6223193373945024,"num_words":9,"start":3998.99,"end":4010.45}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello. Joe speaking.\n\nChannel 0: Hi. It's Zena from OKIE Financial. How are you this morning?\n\nChannel 1: Oh, good. Thank you. How are you?\n\nChannel 0: I'm very well. Thanks so much. I had you booked in to go through you, and you reviewed you this morning. Is that still a good time there for you?\n\nChannel 1: Yeah. That's\n\nChannel 0: Yeah. All good. How's your morning been thus far?\n\nChannel 1: fine. It's been alright. It hasn't been full on. Pretty pretty crazy.\n\nChannel 0: Oh, that's good. That's good. Before we jump into the call, Edgar, I normally do send through some under review documents to you. Are you able to access your emails? If you can't, that's absolutely fine.\n\nJust want to double check.\n\nChannel 1: Yeah. Okay. That's just in. Yep.\n\nChannel 0: Yeah. Fantastic. I'm just gonna press send on this one and send them through to you there. Should come through very, very quickly. Perfect.\n\nSo in these annual review documents, as they do come through, you will see it's the ongoing service agreement for the next twelve months to continue forward with our services there. We do also have the attachments which will entail the performance report for your hub twenty four super account and also your insurance information for your sum insured for your life and TBD cover, and we've also got your updated balances there. Okay.\n\nChannel 1: Okay.\n\nChannel 0: Beautiful. Hopefully, it comes through fairly quickly for you. Before I jump in and go through it all for you there, Joe, I just need to confirm, are you okay with us recording this call moving forward?\n\nChannel 1: Yeah. That's fine. I'll take you the email.\n\nChannel 0: Oh, fantastic. Excellent. Excellent. And I'll just do a quick security check there with you as well just to confirm your full name, your date of birth, and address I should have on file.\n\nChannel 1: Teresa Joseph, Trulonova 53\n\nChannel 0: Yep.\n\nChannel 1: '83. And\n\nChannel 0: Next.\n\nChannel 1: what's the address?\n\nChannel 0: Yeah.\n\nChannel 1: 10 Philly Bend South Hedland.\n\nChannel 0: Beautiful. Thank you so much. Is it nice and warm down there at the moment?\n\nChannel 1: Awesome. Yeah. It is it's probably 18 degrees right now today. Yeah.\n\nChannel 0: Oh, wow.\n\nChannel 1: But\n\nChannel 0: In\n\nChannel 1: but where I am normally, it's around about 40. You know? Because I'm in have you ever heard of Fort Hedlund?\n\nChannel 0: bit different. Yeah. I have. Yeah.\n\nChannel 1: Yeah. So that's what I'm saying there. So yeah. But\n\nChannel 0: Yeah.\n\nChannel 1: it's good as\n\nChannel 0: Wow.\n\nChannel 1: it's it's wintertime, so\n\nChannel 0: Yeah.\n\nChannel 1: not bad.\n\nChannel 0: Yeah. Absolutely. No. All good. Now we'll go through and have a bit of a chat about your super, your insurances, and how everything's going goal wise for you.\n\nBut is there anything else that you wanted me to sort of touch on this part of your annual review? Anything else specific that you wanted me to to ask me or have me chat about?\n\nChannel 1: I have asked about it before, like, just\n\nChannel 0: Yeah.\n\nChannel 1: looking at I I really I really wanna do a financial plan and also, like, I'm looking, like, would I be able to get in, like, another investment as well?\n\nChannel 0: Yes. Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Absolutely. That's okay. So when it comes to property advice, if you're just looking to find out whether you're able to purchase another investment or not, you'd be best to speak to a mortgage broker just because that would entail your servicing. Did you want me to maybe refer you through to one of our mortgage brokers to assess your servicing and borrowing capacity for that purchase?\n\nChannel 1: Yeah. I remember I I had spoken to him before, but I think I wasn't\n\nChannel 0: Yeah.\n\nChannel 1: I didn't really have enough at that time. So maybe yeah. I wouldn't mind\n\nChannel 0: Yeah.\n\nChannel 1: having\n\nChannel 0: Absolutely.\n\nChannel 1: another chat.\n\nChannel 0: That that may have been a couple of years ago. We do since have a different mortgage broker, so you may have spoken to Grant back in the day.\n\nChannel 1: Yeah. It was.\n\nChannel 0: Nowadays yeah. Nowadays, I have a different mortgage broker that I refer you to because Grant has unfortunately retired. He's done his life of working, and he's off to\n\nChannel 1: Hey.\n\nChannel 0: enjoy his retirement years. Yeah.\n\nChannel 1: Yep.\n\nChannel 0: So we do have a new mortgage broker, and I'll refer you to the Fabian. So Fabian is a great mortgage broker, has been around for a very long time, and he runs and owns this business himself. And\n\nChannel 1: Okay.\n\nChannel 0: he will I'll do an introductory email to you and to Fabian, and he'll be able to touch base in the next couple of days and and look at your servicing capacity, look at what you're able to borrow in regards to an investment property, and, obviously, look helping you in that way. Is that okay?\n\nChannel 1: That's fine. Yes. Yep.\n\nChannel 0: Yeah. Beautiful. All good. Excellent. That way, it's nice and easy.\n\nWhen it comes down to financial advice and looking at investment properties, because we don't have a credit license, we can't really help out with the loan aspect. But\n\nChannel 1: Yep.\n\nChannel 0: down the track, depending on what you're looking at, financial advice does come into essentially a really good aspect of your retirement plan. So whether you're wanting to keep those properties long term and supplement your super in retirement or whether you're just gonna hold them for the next sort of ten years and possibly sell them off, cement the gain, and then maybe, you know, look at what other moving the money into other areas of investment for a time and aspects. So that's where financial advice kinda comes into play. But just getting the property and doing your servicing and borrowing, that's where a mortgage broker is gonna be a lot more valuable to you. Okay?\n\nChannel 1: Yep. Yep. Yep. Sounds\n\nChannel 0: Fantastic.\n\nChannel 1: good.\n\nChannel 0: Excellent. And just while we are talking about the the property side of things, what is your goal with having those investment properties? Are you wanting to kinda keep them through retirement as an income stream, or do you think you'll plan on selling them off? What is your goal moving forward with those?\n\nChannel 1: Yeah. Well, this is just depends. I think I just wanna keep it as investment for at least ten years and then probably and then probably sign them off. Yeah.\n\nChannel 0: Yep. Yeah.\n\nChannel 1: Or\n\nChannel 0: Yeah. Perfect.\n\nChannel 1: or pass them on to the kids. I'm not sure.\n\nChannel 0: Yeah. No. That's okay. Well, it's definitely something to think about down the track, and I'll make sure that I touch base with you and sort of keep up to date with that because we definitely can factor that into your advice down the track. But, yeah, just have a think about what you want to happen out of the I know with the kids being so young,\n\nChannel 1: Exactly.\n\nChannel 0: it's it's my kids are probably the same boat. It's gonna be difficult for them to buy property without our our assistance in the future, isn't it?\n\nChannel 1: I've got two\n\nChannel 0: Crazy.\n\nChannel 1: older kids as well.\n\nChannel 0: Yeah. No. Yeah. You've got four kids total, don't you?\n\nChannel 1: Yeah. Yeah. So two older ones where\n\nChannel 0: Yeah.\n\nChannel 1: I know I mean, I've got two properties already, but I wanna\n\nChannel 0: Yeah.\n\nChannel 1: try another two more. So at least for my other two young boys, at least they\n\nChannel 0: Yeah.\n\nChannel 1: got something as well.\n\nChannel 0: Yeah. No. Fantastic. Excellent. Excellent.\n\nWell, I'll jump in and have a little bit of a look at your super. So just to sort of touch base with the email that you've got there, when you press the sign button, it takes you through to sign the ongoing service agreement.\n\nChannel 1: I've\n\nChannel 0: But\n\nChannel 1: already signed\n\nChannel 0: with\n\nChannel 1: it.\n\nChannel 0: the you're a legend.\n\nChannel 1: Yes.\n\nChannel 0: Because you've already signed that one, I'll just take you through the updated balances. So last time we did an annual review, your balance then was about 249,625. Your balance in your super now is at 320 sorry. 328,719 and 54¢. So you have seen some really good growth in your super.\n\nWhen we look at it over the last twelve months, we've seen an increase of 5.57% net of fees. As a dollar figure, that's showing earnings and growth within the fund of over 21,889 for the last twelve months. So it is really good growth and a good return. Admittedly, given kind of where you're at, it is a little bit lower than what we kind of of would have expected out of your sort of portfolio. That has\n\nChannel 1: Oh, it's\n\nChannel 0: had\n\nChannel 1: good.\n\nChannel 0: a little bit to do with what's been happening in the world generally between, you know, the America and and\n\nChannel 1: Yeah.\n\nChannel 0: Iran with that war\n\nChannel 1: Alright.\n\nChannel 0: this year. And then, yeah, and then here in Australia, we've also had very high inflationary rates, and high inflation tends to have an effect on fixed income and bonds and things like that as well. So it has been definitely a very up and down sort of year. The benefit is that you're not able to access super yet. You're still very young and have a lot of working life ahead of you.\n\nSo you're able to wither through those downtime, and sort of see the advantages as your contributions keep going in and being invested into your super fund there. But, we'll get all in all to come up with a positive return of 5.57 net of fees, and it still made you over 21,000 for the year, which is a positive thing. Okay.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Excellent.\n\nChannel 1: That's good.\n\nChannel 0: Excellent. Now I can also see that you are salary sacrificing a little bit there as well.\n\nChannel 1: Yeah. I am on a house and a car.\n\nChannel 0: Yeah. Yeah. Perfect. Are you wanting to look at maybe salary sacrificing more into super as well, or you just are happy with what you're doing and wanting to focus on getting properties out and building wealth outside of super?\n\nChannel 1: Sorry. Sorry. What was\n\nChannel 0: Putting\n\nChannel 1: that again?\n\nChannel 0: more money in\n\nChannel 1: So\n\nChannel 0: the super. Yeah.\n\nChannel 1: so what's the max I can put in? Like, how much can you put in to the 25,000 a year?\n\nChannel 0: No. So at the moment, the maximum concessionally, so that's employer contributions as well as additional life salary sacrifice or deductible contributions, this financial\n\nChannel 1: Yep.\n\nChannel 0: year is thirty two thousand five hundred.\n\nChannel 1: So can you see how much I I put in last year?\n\nChannel 0: Yeah. Absolutely. Let me go have a look there for you. I just logged in to Hub 24 just to pop in there and have a look. Sorry.\n\nWon't be a second. Okay. Search. So last financial year, you put 32,222. So you were just over the cap for the last year.\n\nChannel 1: So I don't need to put any more than that because I'm gonna get a text for it.\n\nChannel 0: Yeah. So what I'd be looking at doing is double checking. It looks like from the 2324 financial year, you only put 4882 into hub '24. We'd have to check whether any what kind of contributions were going into your previous year.\n\nChannel 1: It.\n\nChannel 0: But if you because of the the '20 last financial year and the financial year before that, the one ending in 2025, it looks like those two years, you exceeded your cap in both the years. As long as yeah. So as long as you have some carry forward contributions from, say, the last five years, the carry forward is any unused concessional cap from the last or previous five years. Looking at your balance, you're within range to be allowed to access those sorts of things. Your balance has to be under 5,000 100,000 as that June 30 of financial year prior.\n\nSo long as you've got some carry forward left over from the last previous five financial years, that should offset the extra that you've put into the super fund. However, it just depends on what you have there. You can check your myGov account, and it will determine whether you have any leftover cap space from the previous five financial years. If you haven't, because last year you exceeded the cap, they essentially do make you pay extra tax for that. So they use the highest marginal tax rate with a 15% offset, and that all gets done as part of your tax return.\n\nSo you if you've got a chance to check your MyGov account, just have a look to see whether you've got some carry forward concessional contributions available to you. If\n\nChannel 1: Can\n\nChannel 0: you do,\n\nChannel 1: you can\n\nChannel 0: it shouldn't\n\nChannel 1: you\n\nChannel 0: be\n\nChannel 1: help\n\nChannel 0: a\n\nChannel 1: me\n\nChannel 0: problem.\n\nChannel 1: out on that?\n\nChannel 0: I can't I can't get into your myGov account, unfortunately.\n\nChannel 1: No. I mean,\n\nChannel 0: I can\n\nChannel 1: like\n\nChannel 0: send yes.\n\nChannel 1: no. No. Like, I mean, I'm on my mind right now. So, like, do you know how to\n\nChannel 0: Yeah.\n\nChannel 1: get to that? But but\n\nChannel 0: Oh,\n\nChannel 1: so.\n\nChannel 0: absolutely. Yeah. Definitely. Sorry.\n\nChannel 1: Okay. No. That's okay.\n\nChannel 0: Absolutely. So when you're in your MyGov account there, you should be able to go to your linked services and click on the ATO.\n\nChannel 1: Okay. So that's all. That's\n\nChannel 0: Yeah.\n\nChannel 1: all this time.\n\nChannel 0: That's\n\nChannel 1: Services.\n\nChannel 0: okay.\n\nChannel 1: So the services and\n\nChannel 0: Yep. The ATO. Yep.\n\nChannel 1: no. I think I did see it. Yeah. It's 1,900 couple\n\nChannel 0: That's\n\nChannel 1: months\n\nChannel 0: okay.\n\nChannel 1: ago, I think.\n\nChannel 0: So from services, you click on the one that says ATO. And then from\n\nChannel 1: Yep.\n\nChannel 0: there, when it loads mine's still loading. I always do this with you because it's easier\n\nChannel 1: Yeah. Oh,\n\nChannel 0: to\n\nChannel 1: that's\n\nChannel 0: go through.\n\nChannel 1: awesome. Yep.\n\nChannel 0: And then\n\nChannel 1: The\n\nChannel 0: you go\n\nChannel 1: mobile's\n\nChannel 0: to your\n\nChannel 1: still loading.\n\nChannel 0: menu at yeah. The menu at the very top one that opens, and let me know when that\n\nChannel 1: Okay.\n\nChannel 0: is.\n\nChannel 1: Yep. It's menu. Yep.\n\nChannel 0: Yep. And then go\n\nChannel 1: And\n\nChannel 0: press\n\nChannel 1: we\n\nChannel 0: on the super\n\nChannel 1: super. Yep.\n\nChannel 0: and then information.\n\nChannel 1: Information. Yep.\n\nChannel 0: And then you've got an option that says carry forward concessional contributions.\n\nChannel 1: Alright. Just clicking on that now.\n\nChannel 0: Yep.\n\nChannel 1: Okay.\n\nChannel 0: Now\n\nChannel 1: Yep. It says that.\n\nChannel 0: beautiful. So then I'm gonna after if you scroll down a little bit, you'll see it says unused concessional contributions available\n\nChannel 1: Yep.\n\nChannel 0: to carry forward. Yeah? You should have a balance in there, and it should tell you in a green box if you're eligible or not.\n\nChannel 1: It says I'm eligible for\n\nChannel 0: Mhmm.\n\nChannel 1: $6,406.63.\n\nChannel 0: Okay. So that's telling you how much you have carried forward from the last five years that you're able to contribute into super over and above the current contributions cap. So you've just gotta be really careful that if you do exceed the cap that you have this amount or these sorts of funds eligible to you. Once your super balance hit, say, as an example, if as 06/30/2027, your super balance goes over that $500,000 mark, then the following financial year, you won't be eligible to use these carry forward contributions. So it's just important\n\nChannel 1: Yep.\n\nChannel 0: when you are adding extra money to super that you are just making sure you stay under the cap. If you think you're gonna go over the cap, then just making sure you have carry forward concessional contributions eligible to you. What I'm gonna do moving forward as well is I'm gonna make sure we do a catch up every sort of six\n\nChannel 1: Yep.\n\nChannel 0: months. That way, I can check your contributions for you. And if I think you're getting close to the cap, we can just go back in and double check the eligible amount for you. Is that okay?\n\nChannel 1: Yep. So what should I do then? Just leave it as it is for now? Or what\n\nChannel 0: Yeah.\n\nChannel 1: what do\n\nChannel 0: Well,\n\nChannel 1: I do?\n\nChannel 0: you can't can't take the money out of sleep anymore. It's already in there. So currently, we just have to wait for you to do your tax return. When you do your tax return, they will it it'll show eligibility, and, essentially, the ATO does it automatically. So what happens is\n\nChannel 1: Yes.\n\nChannel 0: when your contributions at the end of the year get reported to the ATO, they report exactly. So they'll say you've made that 32,800 of contributions. The ATO\n\nChannel 1: Yep.\n\nChannel 0: then go, well, your cap last year was 30,000. However, that $2.08 that 2,800, if you had carry forward, and they'll go back to check that you had eligible carry forward amounts, and they'll subtract that from the the earliest financial year available to you. So you don't have to do anything. Just do your tax return as normal moving forward. And you if you're fine to keep your contributions going the way you want to if you like, I would just be wanting to make sure we catch up with you every six months and double check how your contributions are going.\n\nIf you are close to the cap, we might have to stop those extra going in.\n\nChannel 1: Okay.\n\nChannel 0: K?\n\nChannel 1: Because I'm\n\nChannel 0: Yeah.\n\nChannel 1: putting in I'm putting in a 100 a week. So\n\nChannel 0: 100 per\n\nChannel 1: 200\n\nChannel 0: week. Yep.\n\nChannel 1: 200 per pay. So that's fortnightly.\n\nChannel 0: Yep.\n\nChannel 1: That's what I've been contributing.\n\nChannel 0: All good. And your income, I've got you down on about 215,800 per annum. Is that about right, income wise?\n\nChannel 1: Well, last this phone tree, I mean, just gone. I made I think I made about $2.50, $2.52.\n\nChannel 0: Okay. So you're on 250,000. The other thing to be mindful is if your your employer your wage plus your super contributions exceeds that $250,000 on a yearly basis, you're also then expected to pay an additional tax. So inside super, you pay 15% tax on contributions that are to put in there. If your, gross income and your income earned from your employer plus your super contributions exceeds that 250,000, any exceeds that 250,000.\n\nAny super contributions and income over that $250,000 is actually taxed at a at an extra 15%. So just double\n\nChannel 1: Hello?\n\nChannel 0: check with your accountant when you do your tax return what your income looks like and whether this year you might be having to pay that additional tax. Okay? If they do yeah. If that if that does come through and you do have to pay that additional tax, it's on income and contributions over the 250,000. So I don't know whether you'll have to pay it on currently or not.\n\nJust check with your account, and they'll be able to confirm what that looks like. If you do get a letter from the ATO stating that you do have to pay that additional taxes, $2.09 3 tax, you can\n\nChannel 1: Yep.\n\nChannel 0: elect to have it deducted out of your super funds. So it's not money you'll have to pay out of\n\nChannel 1: Okay.\n\nChannel 0: pocket if you don't wish to. You can\n\nChannel 1: That's\n\nChannel 0: elect\n\nChannel 1: alright.\n\nChannel 0: on the form just to have it deducted from super. The ATO will then have that extra funds deducted from your super fund for you. It's just a matter of the money obviously comes out of super, is paid to the ATO,\n\nChannel 1: Yep.\n\nChannel 0: and that money is no longer invested for your future. So as long as you're aware that you're comfortable with that, you do are able to elect it that way. But\n\nChannel 1: Okay.\n\nChannel 0: I would probably suggest go and speak to your accountant, do your tax return, have them look at all your income and everything, and find out whether that's if two nine three tax is gonna be applicable. And then, you know, have a look at whether your contributions for this next year are gonna exceed the cap. Just making sure that we're not gonna go over that in any way. Okay?\n\nChannel 1: Okay.\n\nChannel 0: Does\n\nChannel 1: Sounds\n\nChannel 0: that make\n\nChannel 1: good.\n\nChannel 0: sense? Yeah.\n\nChannel 1: Yeah. It does. Yeah. It does.\n\nChannel 0: There's a lot\n\nChannel 1: So\n\nChannel 0: too. It\n\nChannel 1: really\n\nChannel 0: is a great thing to\n\nChannel 1: yeah.\n\nChannel 0: earn\n\nChannel 1: There\n\nChannel 0: more\n\nChannel 1: is\n\nChannel 0: money.\n\nChannel 1: there is a lot. And so so so really, I suggest just stick to what I'm doing now, then just leave it as it is.\n\nChannel 0: Yeah. Yeah. And we'll just double check things. So\n\nChannel 1: Six\n\nChannel 0: with\n\nChannel 1: months.\n\nChannel 0: your income yeah. Six months. Absolutely. So with your income, do you feel, like, this year, you should go over that 250,000? Do you think like, what is your actual base income?\n\nChannel 1: Well, my base income. Right. Yeah. I was I reckon I heard it again this year.\n\nChannel 0: You you reckon you'll go over that $250,000?\n\nChannel 1: Yeah. I reckon I might.\n\nChannel 0: Yep.\n\nChannel 1: Yep.\n\nChannel 0: Okay. So I'm just having a look at contributions. Now your employer, did they just pay normal 12% contributions? Do you get anything like, paid anything additional on top of that aside from the salary sacrifice?\n\nChannel 1: Sorry. Can you say that again?\n\nChannel 0: So your employer, they're only paying that 12%. You're not paying you, like, 15% employment contributions or anything fun?\n\nChannel 1: Yeah. Yeah. Doing that as well. So\n\nChannel 0: Yep.\n\nChannel 1: I'm paying 12%, but then I pay the I think I pay extra 2%, and then\n\nChannel 0: Yep.\n\nChannel 1: they do the extra 1.5 or something. Yeah.\n\nChannel 0: Yep. That's absolutely fine. So if I sort of look at this, $100 per week salary sacrifice at the moment.\n\nChannel 1: Nope.\n\nChannel 0: Based on an income of 250,000 with 12% employer contributions plus a $100 per week in employer contributions, the expected total contributions for this financial year would be 35,200.\n\nChannel 1: Oh,\n\nChannel 0: So that\n\nChannel 1: so we're\n\nChannel 0: does\n\nChannel 1: I have\n\nChannel 0: put\n\nChannel 1: a\n\nChannel 0: you over the cap. Yeah. Based on 250,000, if you were to maximize the salary sacrifice, it's basically telling me that you\n\nChannel 1: Yeah.\n\nChannel 0: realistically couldn't put more than $48.08 on a weekly basis into super. So\n\nChannel 1: Hello?\n\nChannel 0: you've got the\n\nChannel 1: Yeah.\n\nChannel 0: option.\n\nChannel 1: I'm at\n\nChannel 0: You\n\nChannel 1: the hospital.\n\nChannel 0: can reduce yeah. So you can look to reduce your salary sacrifice back a little bit to try and keep you under the cap. There is another way of doing it. If you wanted to look at reducing that salary sacrifice back or even stop it for the time then you could, that extra bit of money you could always put away into a savings account, and you can do a lump sum deductible\n\nChannel 1: Yeah.\n\nChannel 0: contribution\n\nChannel 1: Yeah.\n\nChannel 0: at the end of the financial year as well. And that deductible contribution works as a bit of a tax deduction for you. So that's\n\nChannel 1: Oh,\n\nChannel 0: another\n\nChannel 1: yeah?\n\nChannel 0: option to sort of look at. Maybe have a chat to your accountant about the salary sacrifice and the deductible contribution, see if they can kind of model your tax return for the next financial year based on everything you've given them, and just sort of see what they say about, you know, which way might be better tax wise for you. Okay.\n\nChannel 1: So so what you're saying is, like, the way it's looking, if I'm if I am gonna get $2.50, I'll be paying 35 k, which is free 3,000 over. So would they\n\nChannel 0: Yeah.\n\nChannel 1: text me just on 3,000?\n\nChannel 0: So the total div $2.09 3 expectation based on your if we go on $100 per week, the s and this is just an estimate. It could be actual could be absolutely different. But the expected div two nine three tax on with your current $2.50 of income plus the $100 per week of salary sacrifice and your employer contributions, from what I can see, they're estimating the DIV two nine three tax at the end of the year to be about $4,000 that you would have to pay extra tax off.\n\nChannel 1: Wow. So I think it might be better if I do have a dinner.\n\nChannel 0: Yeah. Yeah. We could have it back. Just keep it down to the the cap. At the end of the financial year, we could have a look at what you've got available to your carry forward contributions, look at whether you have any additional money there, and look at making a one off deductible contribution\n\nChannel 1: Yep. Okay.\n\nChannel 0: But, yeah, from what I can see, looking at things, the maximum salary sacrifice to keep you under the cap would be about $48 per week.\n\nChannel 1: Oh, okay.\n\nChannel 0: That's\n\nChannel 1: Oh,\n\nChannel 0: based\n\nChannel 1: yeah.\n\nChannel 0: on your\n\nChannel 1: I'll\n\nChannel 0: income.\n\nChannel 1: I'll yeah. Yeah. I reckon I will I reckon\n\nChannel 0: Yeah.\n\nChannel 1: I will have $2.50 this year again. So I better yeah. I'll I'll I'll I'll change that with HR.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. Beautiful. It's a good thing. Look. You're earning a lot of\n\nChannel 1: I\n\nChannel 0: extra money, and that's fantastic, but it does\n\nChannel 1: know.\n\nChannel 0: come with extra tax as well. So just making sure that we\n\nChannel 1: Okay.\n\nChannel 0: you don't wanna pay more than your fair share.\n\nChannel 1: No. That's right. That's right. I don't wanna lose out of 4,000 a year. Yeah.\n\nChannel 0: Yeah. Absolutely. No. Definitely. But do have a chat to your accountant where you do tax return and ask them about the DIV two nine three tax, and they'll be able to let you know whether you have to pay that based on the last year or not.\n\nOkay?\n\nChannel 1: These these have a text account?\n\nChannel 0: We do have if you would like us to refer you through to one, absolutely. Did you want us\n\nChannel 1: But\n\nChannel 0: to refer you through to an accountant for\n\nChannel 1: will will that be part of my well, like, what I get, or do I have to pay for it?\n\nChannel 0: the accountant services are completely separate. They will charge you for your personal tax return separately. However,\n\nChannel 1: Yep.\n\nChannel 0: when you get an accountant to do your tax return, they do the amount you pay for the next financial year is tax deductible for you.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: That's right. Yeah. No. That's okay. I'm\n\nChannel 0: Yeah.\n\nChannel 1: I'm I am seeing a account turn in two weeks time anyway,\n\nChannel 0: Yes.\n\nChannel 1: so that's fine.\n\nChannel 0: Beautiful. Beautiful. Well, let me know if you do happen to have any questions there. If you want, I could always send you a bit of an email after the call, just a bit of a recap on things that you could definitely ask them to check for you. Okay?\n\nChannel 1: Yes, please. Yes, please. If you\n\nChannel 0: Yep.\n\nChannel 1: could that'll be great.\n\nChannel 0: Fantastic. Easy. So, look, it's really good to see your sleep is growing definitely. Obviously, income's going really nicely as well. You've got your contribution, your extra salary sacrifice at a $100 per week, and you are gonna look to reduce that for this year as well,\n\nChannel 1: Yeah. I'll just it's about 45, I think. Yeah. Just be on\n\nChannel 0: aren't you? '40\n\nChannel 1: fifth.\n\nChannel 0: five?\n\nChannel 1: I see.\n\nChannel 0: Yeah. Yeah. Absolutely. Absolutely. And I'll make sure that we do catch ups with you, each six months so I can check what your contributions are going in.\n\nI'll put that in my calendar so my team will give you a call, in six months ago. Hey. Time for a bit of a catch up there, Joe. Let's see how your contributions are going, and we can just\n\nChannel 1: Yep.\n\nChannel 0: make sure that you you this is all going in quite well and that you're not so far exceeding the cap. Okay?\n\nChannel 1: Okay.\n\nChannel 0: Excellent. Beautiful. The other thing to sort of look at is your insurances. So you do have your towel policy with your life and TBD. In the event of passing away, your life cover, your sum insured, 750,000, and then, obviously, you've got your super paid out on top of that, which is the $3.28.\n\nSo if I just sort of work it out together and it just sort of shows if in the event you would have passed away now, your beneficiaries are eligible for the sum insured of a million and 78. Do you feel that's fairly appropriate for the life cover? Did you wanna look at reviewing that at all?\n\nChannel 1: Do I need to remove it? I'll take this. Isn't it? That should\n\nChannel 0: It's\n\nChannel 1: be alright.\n\nChannel 0: up to you. Yeah. It depends on what you wanna have covered. Like, thinking about your scenario now, if you would have passed away now, where would that million dollars go to, and what would you want them to cover with\n\nChannel 1: Yes, sir. I know I know I know my my wife and the kids will be okay because then they we still got two properties.\n\nChannel 0: that? Absolutely.\n\nChannel 1: And and then, like, there's there's still there's still a lot of, like, equity in both in the meanwhile.\n\nChannel 0: Yeah.\n\nChannel 1: So I\n\nChannel 0: Well,\n\nChannel 1: think I\n\nChannel 0: with\n\nChannel 1: think\n\nChannel 0: with\n\nChannel 1: I think\n\nChannel 0: the\n\nChannel 1: I\n\nChannel 0: two\n\nChannel 1: should be alright.\n\nChannel 0: perfect. With the two investment properties you've got there, the first one I'm sorry. I don't have suburbs written down. The first one I had here was valued at 700,000. Do you know which property you would value at roughly that?\n\nChannel 1: So that's 200,000 is probably worth probably, like, $9.50 now.\n\nChannel 0: $9.50. And what suburb is that property in?\n\nChannel 1: Butler WA.\n\nChannel 0: Butler, WA. Beautiful. Just so I can tell them apart for you. Excellent. And the mortgage on that property was about 380,000.\n\nHas that kind of reduced, or is that in in interest only?\n\nChannel 1: No. So I've got, I suppose, principal and interest in\n\nChannel 0: Yep.\n\nChannel 1: right now. I can give you a second. Because I I did I did I did take money out of that to buy another property. I\n\nChannel 0: Okay.\n\nChannel 1: don't know if I was I don't know if I was expecting about that.\n\nChannel 0: That's the\n\nChannel 1: Can\n\nChannel 0: second\n\nChannel 1: you sec\n\nChannel 0: one\n\nChannel 1: can\n\nChannel 0: I\n\nChannel 1: you\n\nChannel 0: would have here. Yeah. I have a secondary\n\nChannel 1: yeah.\n\nChannel 0: one. The value of the secondary property was at 550,000. Would that have been the one that you took\n\nChannel 1: Yeah.\n\nChannel 0: the funds\n\nChannel 1: So\n\nChannel 0: out\n\nChannel 1: it's\n\nChannel 0: for?\n\nChannel 1: about it's\n\nChannel 0: Yep.\n\nChannel 1: about $6.50 now. It's about $6.50\n\nChannel 0: Oh, beautiful.\n\nChannel 1: now.\n\nChannel 0: And what suburb is that one in?\n\nChannel 1: So that's in South Hedland where I'm at.\n\nChannel 0: South Pleasant. Beautiful.\n\nChannel 1: So that one that first one is worth, like, $9.20 is it's 374 owing\n\nChannel 0: Yep.\n\nChannel 1: on that one. And then\n\nChannel 0: Beautiful.\n\nChannel 1: that and then that $6.50, that one's 340 owing.\n\nChannel 0: 340,000. Fantastic. And the income was are these properties positive or negatively geared?\n\nChannel 1: Yeah. So that that that first one was $9.20, we're getting $6.80 for that. 6\n\nChannel 0: Yep.\n\nChannel 1: 80 a week for that. And the actual mortgage on that is right now what is it? Sorry. Just just loading. I think\n\nChannel 0: You're\n\nChannel 1: it's about just just on the the $15.37\n\nChannel 0: right.\n\nChannel 1: months for that one.\n\nChannel 0: 37 per\n\nChannel 1: Oh, sorry.\n\nChannel 0: month.\n\nChannel 1: Sorry.\n\nChannel 0: Beautiful.\n\nChannel 1: A fortnightly fortnightly.\n\nChannel 0: $15.37 per\n\nChannel 1: Oh,\n\nChannel 0: fortnight.\n\nChannel 1: wait.\n\nChannel 0: Fantastic.\n\nChannel 1: Let let me have a sorry. July 6.\n\nChannel 0: That's okay.\n\nChannel 1: Yeah. Yeah. Four nightly fortnightly. $15.37 fortnightly. And\n\nChannel 0: Beautiful.\n\nChannel 1: the other one is so like I said, that's getting $6.80 a week.\n\nChannel 0: Yep.\n\nChannel 1: And and this time and this other one is $12.12 12 a fortnight. And and I'm and I'm getting 1,400 a week for that.\n\nChannel 0: So 1,400 per week rent for that property. And how much was the loan, I'm so sorry, that you're paying back per fortnight?\n\nChannel 1: So that one is $12.12 $1,216.09.\n\nChannel 0: Yes. Perfect. Twelve twelve\n\nChannel 1: And that's and that's 14\n\nChannel 0: per\n\nChannel 1: hundred weeks. So that one's positive gearing. So\n\nChannel 0: The\n\nChannel 1: I\n\nChannel 0: other\n\nChannel 1: think\n\nChannel 0: one's\n\nChannel 1: that\n\nChannel 0: negative. Yeah.\n\nChannel 1: that's negative. Yeah. But\n\nChannel 0: Yeah.\n\nChannel 1: the the\n\nChannel 0: Yeah.\n\nChannel 1: one\n\nChannel 0: Definitely.\n\nChannel 1: that's positive gearing, that's 100% under my wife's name.\n\nChannel 0: Okay. Perfect. So this one the second one is a 100% under your wife's name, and the first one was under your name. The one in Butler's under your name.\n\nChannel 1: No. That part load is fifty fifty.\n\nChannel 0: Oh, fifty fifty. Beautiful. 50% owned. Fantastic. Excellent.\n\nAnd wanting to get one more property there as well. And I'll do the referral through to the mortgage broker. Essentially, in order\n\nChannel 1: Yep.\n\nChannel 0: to refer you through there, I'll just need to be able to provide them with your name, your phone number, possibly an email, and a time that they can give you a call. When generally best suits the mortgage where they give you a call and have a chat about servicing? Is there a day and time that suits you better, Jo?\n\nChannel 1: Anytime is fun. Anytime he can come\n\nChannel 0: Anytime?\n\nChannel 1: in and talk to you.\n\nChannel 0: Yep. Beautiful. Fantastic. So with your life cover, you're fairly happy with the $7.50 sum insured plus your super benefit. With TBD, you have the same level of cover.\n\nSo in the event that you were totally permanently disabled,\n\nChannel 1: Yes.\n\nChannel 0: not able to get back to work again, the sum insured 750,000, we can again claim permanent incapacity against your super. Are you fairly comfortable with that? Did you wanna look at maybe increasing or altering that cover for TBD, or do you have any questions about how TB, total permanent disability, works?\n\nChannel 1: Yeah. Yeah. I understand all that. So\n\nChannel 0: Yep.\n\nChannel 1: what I was gonna say is\n\nChannel 0: Yeah.\n\nChannel 1: what's you know how that first one you said is is on 700 and you said if I if I wanna make a make a more,\n\nChannel 0: Yes.\n\nChannel 1: but how much am I paying now for, like, coming\n\nChannel 0: So\n\nChannel 1: up?\n\nChannel 0: for your life and TPD at the moment, the the total paid from was $2,283.83 this year. So these policies do get more and more expensive as you get older. It does mean that more money is deducted\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: from your super for the premium. So if you did wanna increase that, it absolutely does increase the cost of the level of cover. However, it's just making sure that you have the level of protection that meets your goal as well. Yeah.\n\nChannel 1: So if I want to increase that to a million, what would that be?\n\nChannel 0: I can jump in I'll see if I can get into the portal and have a look for you. Worst case, I could always get an updated quote and email it through to you afterwards. But let me see if I can jump in because giving you a live quote would be easier on your\n\nChannel 1: Yes, sir.\n\nChannel 0: self. That's okay. And just while this is, like, logging in there, Joe, as well, now you don't have any, like, income protection or anything like that. In the event that you were unable to go to work, I know you've got your investment property income and things, but are you fairly comfortable knowing you wouldn't have any income protection to fall back on? You would have to, you know, rely on savings, you know, your wife's income if she works, you know, any income from the investment properties that support you.\n\nChannel 1: Sorry. I don't I don't understand what you\n\nChannel 0: So income protection pays out a monthly benefit in the event that you're unable to go to work in the short term.\n\nChannel 1: mean.\n\nChannel 0: So\n\nChannel 1: Yeah.\n\nChannel 0: as\n\nChannel 1: Yeah.\n\nChannel 0: an example,\n\nChannel 1: Oh, so sorry.\n\nChannel 0: say, you were sick. Yeah. You don't\n\nChannel 1: Yeah.\n\nChannel 0: have any income protection to fall back on. It's something you didn't wanna look at in the past, but just wanting to sort of work out. Are you still comfortable with that? Are you wanting to look at income protection now?\n\nChannel 1: So So what what what would it cost for income protection?\n\nChannel 0: I can give you update if you like. Have a look at that for you. Let's do a quote. Sorry. I'm still just logging in to the portal.\n\nWon't be a second. It's just gonna do two factor authentications. Okay. So I've got your policy here. I'm just gonna pop in and do a quick live quote for you.\n\nNew quote.\n\nChannel 1: Yep.\n\nChannel 0: Okay. So you said you wanted to look at, as an example, increasing your life and TBD to a million dollars?\n\nChannel 1: Oh, so so so so so so so so life insurance, I've got 700 and CPD, I've got 700, don't\n\nChannel 0: Correct. Yeah. And with life and TBD, your super balance is also paid out. We can claim against your super when you pass away, and that gets paid to your beneficiaries. So\n\nChannel 1: I?\n\nChannel 0: with\n\nChannel 1: Yeah.\n\nChannel 0: the 750 of life plus your current super balance, that gives you a million and 78 of life cover. With CBD, it gives you the same level. But if you were to claim CBD, unfortunately, it is a taxable payment. So if you claimed CBD and had the full million and 78 paid out as a lump sum, the government\n\nChannel 1: Yep.\n\nChannel 0: does tax it. It's up to 22%. So based on that, the estimated tax on a million and 78 would be 237\n\nChannel 1: Yeah.\n\nChannel 0: thousand.\n\nChannel 1: So that's\n\nChannel 0: That\n\nChannel 1: that's\n\nChannel 0: that would\n\nChannel 1: a logo, dude.\n\nChannel 0: leave yes. So, I mean, realistically, if you were to claim TBD, we would provide advice on, you know, how best to use the funds. That way we can limit the tax if possible, and also, you know, keep money invested as whole years.\n\nChannel 1: Yeah.\n\nChannel 0: But, yeah, if you were to look at so I'm just sort of looking at the increase. Increase. A million. It doesn't like my inputting information. So a million dollars of life and TBD.\n\nAnd then did you want me to quote giving you income protection as well?\n\nChannel 1: Yes.\n\nChannel 0: Yes? Beautiful. So based on income of, say, 250,000, would that be right, the income protection?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. Okay. So the $2.50. We can increase that by And adding new transaction.\n\nAlright. So income protection based on 250,000 gives us a monthly benefit of $14,005.83. So adding that, with income protection, do you think you'd wanna have the lowest waiting period? So that's the time that you would have to be off work in order to make a claim. So you'd have to be off work and unable to work for, say, thirty days, sixty days, or ninety days.\n\nWhat sort of waiting period do you think you'd want?\n\nChannel 1: So the longer you wait, the cheaper will\n\nChannel 0: The\n\nChannel 1: be,\n\nChannel 0: longer\n\nChannel 1: will it?\n\nChannel 0: it\n\nChannel 1: Or\n\nChannel 0: takes. Yeah. But the longer it does take to get the payment to get the claim.\n\nChannel 1: yeah. I think it will be three months.\n\nChannel 0: Yep. So sixty days would be preferable.\n\nChannel 1: Yep.\n\nChannel 0: Let's see what they offer. Beautiful. Excellent. And they have a benefit period as well, which is how long you can be on a claim for. Benefit periods are two years, five years, or up to age 65.\n\nThe longer the benefit period, the more expensive the premiums are gonna be. Do you think you would realistically just need, you know, a, you know, a a two year benefit period, or do you would would you wanna go a bit longer? What do you think would be appropriate?\n\nChannel 1: Well, if you see the longer the work, the more the pay pay is probably the faster.\n\nChannel 0: Yeah. So you reckon two years or five years?\n\nChannel 1: So you mean getting paid for two years? Is that what you mean?\n\nChannel 0: Yeah. So it's like if you had a car accident and broke your back and you couldn't go back to work and you were on an income protection\n\nChannel 1: Yes.\n\nChannel 0: claim, you can be on a claim for up to two years. At that two year mark, if you still can't go back to work, the claim stops regardless.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. So, yeah, it should be alright.\n\nChannel 0: Two years would be fine? Beautiful.\n\nChannel 1: Yes.\n\nChannel 0: Alright. So it's estimating the yearly premium to be about $8,900 to to add income protection and increase your life and TPD to a million dollars.\n\nChannel 1: And if you take out income protection, what would that be?\n\nChannel 0: That's that's included in the 8,982. It's estimating the total premium for income protection as well as the increase. If you just kept your life and TPD as it was and did not increase it, but you did take out the income protection, I'm just deleting those from the quote. The income protection alone.\n\nChannel 1: Yep.\n\nChannel 0: Sorry. It's just loading. Won't be\n\nChannel 1: Oh\n\nChannel 0: a second.\n\nChannel 1: Unless, obviously, you can change it and drop it this address.\n\nChannel 0: The income protection alone is, again, about $8,000. It's pretty expensive, the income protection\n\nChannel 1: Yeah.\n\nChannel 0: component for you. Yeah.\n\nChannel 1: No. I I won't take the competition in\n\nChannel 0: That's okay. You're happy just with the cover you have now, just leaving it as is for the\n\nChannel 1: there. Yeah. So but then for for, like, just t what was the other one?\n\nChannel 0: time\n\nChannel 1: What was it? T p\n\nChannel 0: being?\n\nChannel 1: d what was the other\n\nChannel 0: Yep.\n\nChannel 1: one? Life insurance.\n\nChannel 0: The the life insurance and TBD.\n\nChannel 1: So so can I just so if I just increase life insurance to a million, what\n\nChannel 0: Mhmm.\n\nChannel 1: would what would what would that be then just for that?\n\nChannel 0: Let's have a look. I'll just delete this TBD off here. Two seconds. It's gonna go back into it just because it's a a little bit loading. So if we just look at increasing the life of TBD, that's your current life, current GST.\n\nAnd three.\n\nChannel 1: Sorry. Can you hear that wind or that's okay?\n\nChannel 0: Yay. You're fine. You're absolutely fine. Okay. So if you just look to increase the life in TPD, the extra premium I'll just have to add this up because it's kind of subtracted it all back.\n\nOkay. $4.00 2. It's bringing the total premium for the discount to about 3,500 per year. Yeah. Right now, you paid 2,283, which does increase.\n\nBut with the level of cover you have at the moment, you've got your life and TBD with the sum insured of 750,000. And then with your current super balance, that does push you over that thousand dollar, dollar sorry,\n\nChannel 1: Okay.\n\nChannel 0: million dollar mark of some insured.\n\nChannel 1: So\n\nChannel 0: Yeah. Your super balance is added on. Yeah.\n\nChannel 1: so so if I if I put it like if we make it a million and then it's gonna be 1.3 now,\n\nChannel 0: Yeah. Correct. Yeah.\n\nChannel 1: so so does that mean I have to pay extra tax or something?\n\nChannel 0: No. No. So that's you don't pay the the extra tax on your on the life cover or your super balance. That's paid out to your beneficiary if you would have passed away. But\n\nChannel 1: Yes.\n\nChannel 0: if you, yeah, were t p d and you took, say, the $1,300,000 out as a lump sum, and once you claimed on that, then absolutely there is up to 22% tax on that lump sum payout.\n\nChannel 1: If I take it out of the livestock, but if you if I take it out, there's, like, money coming\n\nChannel 0: If we\n\nChannel 1: per\n\nChannel 0: leave\n\nChannel 1: week.\n\nChannel 0: it in there, yeah, if we leave it in there and draw it out in smaller regular increments\n\nChannel 1: Yep.\n\nChannel 0: in the way of a disability benefit, that can sort of reduce the the tax side of things a little bit. It also keeps money invested, so it lasts you longer as well. So if you were to be TBD, we would provide the advice to help you along with that. It's also important to note that with these power policies, they do go through a renewal every year. So every year, the policy does increase a little bit.\n\nSo if you think back to your last annual review\n\nChannel 1: Yep.\n\nChannel 0: Oh. It says here it was the same amount, so yours doesn't seem increase much. They normally increase along with indexation, but it looks like yours stays exactly the same. But these policies do get more and more expensive as you get older. So you'll pay 2\n\nChannel 1: Yeah.\n\nChannel 0: thousand 200 now for the premium in, say, another 3 or 4 years, you could be paying over 3,000\n\nChannel 1: Yeah.\n\nChannel 0: dollars\n\nChannel 1: Three\n\nChannel 0: for\n\nChannel 1: thousand.\n\nChannel 0: the same\n\nChannel 1: Yep.\n\nChannel 0: yeah.\n\nChannel 1: But it\n\nChannel 0: Because\n\nChannel 1: all\n\nChannel 0: it\n\nChannel 1: but\n\nChannel 0: does\n\nChannel 1: it\n\nChannel 0: get\n\nChannel 1: all\n\nChannel 0: more\n\nChannel 1: it all\n\nChannel 0: expensive.\n\nChannel 1: just comes it all just comes out of my super anyway, doesn't it?\n\nChannel 0: That's correct. Yeah. But you don't\n\nChannel 1: Yeah.\n\nChannel 0: want it to sort of eat away your super. So you wanna make sure your super is growing and that you're getting the returns to cover the insurance premiums, but also provide, you know, a bit more growth for longevity as well. Because a lot of people, when they get into their, you know, fifties, their insurance premiums can be anywhere between 15 to $20,000 a year. So at that age, those insurance premiums get very expensive.\n\nChannel 1: Woah.\n\nChannel 0: Yeah.\n\nChannel 1: So so you reckon I should do a million dollars then? Because, like, I\n\nChannel 0: It's\n\nChannel 1: mean,\n\nChannel 0: up to you. It's absolutely\n\nChannel 1: it's only\n\nChannel 0: up\n\nChannel 1: it's\n\nChannel 0: you. Do\n\nChannel 1: it's\n\nChannel 0: you want me\n\nChannel 1: it's gonna\n\nChannel 0: to send\n\nChannel 1: cost extra 1,300, isn't\n\nChannel 0: it is.\n\nChannel 1: it? Almost 500.\n\nChannel 0: It is.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. I'll send you a recap email after the call if you like. That way, you can have a think about what it is that you're after. There is obviously a risk involved that if you do increase your insurance policy, you'll to go back to an application for the increased amount. So\n\nChannel 1: Oh,\n\nChannel 0: if there\n\nChannel 1: the\n\nChannel 0: are\n\nChannel 1: one.\n\nChannel 0: any changes\n\nChannel 1: Oh, okay.\n\nChannel 0: to your health, if you've had, you know, back pain or any other issues, since we put that first policy into force, there could be explosions or loadings that make the policy more expensive than expected.\n\nChannel 1: Yeah.\n\nChannel 0: So it is about going through a new application as well. But if it's something that meets your goal that you're actually wanting to do, we can definitely look at helping you out in doing that for you. That's okay. Okay. If you like, I'll put a little recap in the email there for you.\n\nThat way, you can mull it over. And if you decide you wanna go ahead and look at increasing it, just let me know, and we can talk about that in more detail. How does that sound? Yep. Beautiful.\n\nAll good. Now the only other type of insurance I have to go through with you is called trauma. You don't have any trauma. So trauma pays out a lump sum benefit in the event that you're diagnosed or have, say, a heart attack, cancer, Parkinson's, other neurological disorders like MS. It's major traumatic diagnosis thing.\n\nYou have to\n\nChannel 1: Yes.\n\nChannel 0: pay trauma out of your back pocket, so not everyone wants to. And you can also get child trauma policies to cover your kids in the event of them getting, you know, diagnoses like cancer. Did you wanna look at getting any additional cover for trauma or child trauma out of your back pocket, or you're happy just to leave this as it is for the moment?\n\nChannel 1: Yeah. I'm happy to do that as it is.\n\nChannel 0: Yep. Beautiful. What I'll do, Jo, because we did go through a lot with the insurance, there's a lot a lot kinda covered. I'll add a little recap into the email for you\n\nChannel 1: Yep.\n\nChannel 0: just\n\nChannel 1: Yep.\n\nChannel 0: so you can take that back. Have a bit of a look at what we've gone through the things we've discussed. And if you have additional questions or wanna come back and revisit any of it, you can let me\n\nChannel 1: Okay.\n\nChannel 0: know. Okay? Beautiful. Combias insurances are very complex, aren't they?\n\nChannel 1: Yeah. Yeah. But it's good luck, you know, that you broke it all down for me. Now I fully understand it. So yeah.\n\nNo. Thanks.\n\nChannel 0: Yeah. That's okay. Now with your super, I can see having a look at your investments, there's one that is underperforming a little bit at the moment. We have a couple of options. I can look to go back and do some advice and maybe review your super and the the way it's invested, maybe look at a newer portfolio that might be cheaper, better for you, you know, working harder towards your goals, or we can just hold it off for six months and reevaluate it then.\n\nWhat would you like to do?\n\nChannel 1: I reckon if that one's not a performing year, I'll I'll definitely like to have a a review on it.\n\nChannel 0: Get rid of it? Yeah. Absolutely.\n\nChannel 1: Yeah.\n\nChannel 0: I've got some other options that I can look at. I just wanna\n\nChannel 1: Yep.\n\nChannel 0: run through a real quick risk profile with you just to sorta gauge whether your risk tolerance has changed at all. The first one here is just looking at do you you do you have any shares of cryptocurrency or anything in your own name? Have you ever\n\nChannel 1: Okay. No.\n\nChannel 0: invested in any shares before? No.\n\nChannel 1: No.\n\nChannel 0: Absolutely. Beautiful. With your goal age for accessing super, I know originally we were sort of looking at between, sorry, I believe 60 to 65 mark. Are you\n\nChannel 1: Yep.\n\nChannel 0: sort of wanting to keep at the same age, or are you\n\nChannel 1: Yeah.\n\nChannel 0: feeling you'd like to try and access super at the earliest possible possible opportunity?\n\nChannel 1: What is the here list you can access on?\n\nChannel 0: 60 if you retire?\n\nChannel 1: Yeah. I can see. I'll keep\n\nChannel 0: Yeah.\n\nChannel 1: it as as it is.\n\nChannel 0: Yep. Absolutely. Now the next question here is about how you feel about risk. So when you think about your super, do you feel comfortable taking on a higher level of risk to try and get greater returns to make your super work harder? Do you feel like you're comfortable taking on a moderate or medium amount of risk to get the best returns you can, or are you concerned about the ups and downs in the market and not wanting to take on any risk and understand the returns are lower because of that?\n\nChannel 1: Sorry. I'm just a huddle.\n\nChannel 0: Yeah.\n\nChannel 1: I am a I am a guy that takes risks.\n\nChannel 0: Yeah. Yeah. Do you\n\nChannel 1: But\n\nChannel 0: think you'd be\n\nChannel 1: yeah.\n\nChannel 0: in between one and two?\n\nChannel 1: Yeah. Definitely.\n\nChannel 0: Yep. Beautiful.\n\nChannel 1: Yep.\n\nChannel 0: Excellent. The next one here, it says, if you saw your super full by, say, 20% in the next six to twelve months, how do you think you might be feeling? This is due\n\nChannel 1: Oh,\n\nChannel 0: to\n\nChannel 1: this\n\nChannel 0: extra\n\nChannel 1: yeah.\n\nChannel 0: market factors. Yes. If the O chart was still tweeting and we still had this war going in the next twelve months and the market took a bigger dip because of what was going on globally, do you think you'd be feeling concerned? And if you\n\nChannel 1: Yeah.\n\nChannel 0: wanted to call us see what's happening, see what we can do to sort of help you out, would you be a bit scared wanting to take money out, or do you think it's a buying opportunity? You're not retiring for the next ten to twenty years, and you might wanna put some money in and take advantage of\n\nChannel 1: I mean, if I've seen a if I saw a drop in the in the last year, in the next year, I'll I'll definitely be concerned.\n\nChannel 0: it. Yeah. Yeah.\n\nChannel 1: But I'll probably just I won't take that high risk anymore if it's getting higher.\n\nChannel 0: Mhmm.\n\nChannel 1: I'll just\n\nChannel 0: Yep.\n\nChannel 1: put it back to where it is now.\n\nChannel 0: Yeah. That's okay. Not a problem at all. The next one here is asking, have you ever considered borrowing from a bank or financial institution in order to invest in, say, shares or manage funds, or do\n\nChannel 1: No.\n\nChannel 0: you feel like that's a bit too risky? You're just comfortable borrowing to invest in property?\n\nChannel 1: Yeah. I wouldn't do that. No. But I was I was looking at stuff manners, paper.\n\nChannel 0: Yep.\n\nChannel 1: But\n\nChannel 0: Yep.\n\nChannel 1: yeah. That's another thing I'm looking into. But yeah.\n\nChannel 0: What was\n\nChannel 1: I\n\nChannel 0: the\n\nChannel 1: just\n\nChannel 0: main main reason\n\nChannel 1: the main\n\nChannel 0: for\n\nChannel 1: reason\n\nChannel 0: wanting to\n\nChannel 1: the\n\nChannel 0: look\n\nChannel 1: main\n\nChannel 0: into\n\nChannel 1: reason\n\nChannel 0: that?\n\nChannel 1: for that is that I'll I'll rather use all that sticker to pull it up to buy another investment.\n\nChannel 0: Yeah. So the biggest thing I should probably let you know is the rules have now changed the self\n\nChannel 1: Yeah.\n\nChannel 0: managed super funds.\n\nChannel 1: I heard about\n\nChannel 0: So,\n\nChannel 1: that. I heard about that.\n\nChannel 0: yeah,\n\nChannel 1: Yeah.\n\nChannel 0: they no longer allow you to borrow for, like, the type of loans that they have inside those trust accounts. It's called a limited recourse borrowing scheme or arrangement. We can't do that for residential properties anymore as\n\nChannel 1: No.\n\nChannel 0: of the August 10, which\n\nChannel 1: August.\n\nChannel 0: basically\n\nChannel 1: Yep.\n\nChannel 0: means two weeks. Yeah. So the only real way to be able to do that is to either have all the funds, enough money to go in and buy a residential property outright, or\n\nChannel 1: Now what?\n\nChannel 0: utilizing\n\nChannel 1: Yeah.\n\nChannel 0: that borrowing scheme for commercial property. Commercial property does definitely have its own level of risks, and\n\nChannel 1: Yeah.\n\nChannel 0: commercial\n\nChannel 1: Yeah.\n\nChannel 0: property can be\n\nChannel 1: That's right. That's right.\n\nChannel 0: rented for long periods of time. So there are a lot of different changes that have come into play here. So it does limit a lot of people's, you know, once around borrowing inside of self managed super fund. And I can sort of understand where it came from because there has been a lot of interest around self managed super funds and putting money into property in that way. But a lot of people with lower balances have also been doing it.\n\nThey don't find they get a lot of additional growth or someone in their forties like you and I who wants to, you know, buy a property. We don't really wanna have to work for the next thirty odd years. We hope to retire at 60. But, you know, having a thirty year loan means we might have to work till 70 if we can't pay it down quicker. So, there is a lot of risk involved\n\nChannel 1: Yeah.\n\nChannel 0: with doing\n\nChannel 1: Yeah.\n\nChannel 0: something like that. It is still a possibility. It's just the type of property and the type of borrowing capacity within those super funds is no longer available for residential. Down the track, if you end up with we get you a million dollars in super and you wanna sort of transition in and buy a property outright, absolutely fine. We can help you with that if it's appropriate to your goals.\n\nBut the benefit to having the way your super is at the moment is that you can hold listed assets, listed property, and still be growing your super and keep it in this sort of environment. It's not an industry fund. It's a little bit more, you know, more of a a retail fund, but you get access to investments to be able to grow and alter your super and keep it working harder for you in the you know? So there are some good benefits to the way your super is structured now as well.\n\nChannel 1: Yeah. Okay. Alright.\n\nChannel 0: Yeah. All good. Beautiful. Now with that risk profile questionnaire, you have essentially scored and you are in a growth portfolio at the moment. So it sees about 80% in those growth in assets.\n\nSo think about things like Australian shares, international shares, listed property, and also commodities like gold and silver, and then a small component about 20% in low risk defensive investments, things like cash, bonds, and fixed interest. For your age and stage, this generally suits where you are. That growth environment suits someone who has at least six years before accessing their funds. It also generally is expected to see a negative return, say, one in about every five odd years, and you're looking to try and obtain a return of around seven to 9% compound on a yearly basis there. Do you feel like that kind of level of exposure and environment is still comfortable for you?\n\nDid you have more questions about that?\n\nChannel 1: So what you're saying is what I'm doing right now is I should pretty much just stay just stay what I'm doing on on the\n\nChannel 0: Yeah.\n\nChannel 1: face cover. That's what\n\nChannel 0: It\n\nChannel 1: yeah.\n\nChannel 0: it does definitely suit where you're at, what's happening. You've got a lot of yeah. It is growing and working and compounding, which is what we wanna see. I mean, when you sort of look at where your balance was in the last review to now, you've definitely had a really good return. And the fact that even with the ups and downs this year, we've still come out with a 5% return net of fees.\n\nIt has worked really well. And you can absolutely state that environment. But are you comfortable with that? Did you have questions\n\nChannel 1: No. Yeah. I think\n\nChannel 0: around\n\nChannel 1: I am comfortable comfortable with that.\n\nChannel 0: it? Yep.\n\nChannel 1: Yeah. Definitely.\n\nChannel 0: Beautiful. If you ever find you're not, you can always let me know, and we can always delve deeper into it. Okay? Excellent. Perfect.\n\nNow just updating the last things in your risk in your fax line here as well. Have you ever had a will and power of attorney done up? Is it something you and your wife have spoken about doing?\n\nChannel 1: I thought I did try to set one up or see what's happening, and I never heard that. I don't think so.\n\nChannel 0: Oh, that's\n\nChannel 1: Yeah.\n\nChannel 0: that's terrible. Yeah. It is definitely\n\nChannel 1: Well, that\n\nChannel 0: worth doing.\n\nChannel 1: oh, yeah. Yeah. Yeah. I definitely wanna go and\n\nChannel 0: Might,\n\nChannel 1: definitely look into that\n\nChannel 0: yeah,\n\nChannel 1: for sure.\n\nChannel 0: might be worth, chatting to that account and to that, sorry, solicitor again and going, hey. Where's my will? Let's get this sorted. Definitely have a chat to your wife, talk about what you want, what your goals are, because it is definitely worthwhile having a will in place. Okay?\n\nChannel 1: Yeah. Yeah. Yeah. That's what I wanna do there.\n\nChannel 0: Yeah. And power of attorney as well is really important to make sure in the event\n\nChannel 1: Yeah.\n\nChannel 0: that you can't make decisions on your behalf that the person you appoint to do that knows exactly what you want to happen in those instances. Okay?\n\nChannel 1: Yep.\n\nChannel 0: Excellent.\n\nChannel 1: Yep.\n\nChannel 0: With the I'll after the call, I'll do a little recap for you so we can go through it'll basically outline things that we have sort of gone through today to make it easier on you.\n\nChannel 1: Yep.\n\nChannel 0: And, also, I'll do update referral through to the mortgage broker for you as well. So he'll contact you and have a bit of a chat about your borrowing capacity and what you're able to borrow.\n\nChannel 1: Awesome.\n\nChannel 0: You have the two investment properties that you're currently renting where you live at the moment. Is that\n\nChannel 1: It's I'm I'm I'm still sacrificing for work work's\n\nChannel 0: right?\n\nChannel 1: paying for the pricing here.\n\nChannel 0: Yes. Yeah. And how much are you paying for that on a regular a weekly basis? Is it all\n\nChannel 1: I think\n\nChannel 0: at\n\nChannel 1: it's\n\nChannel 0: the\n\nChannel 1: 343 a fortnight.\n\nChannel 0: moment? Okay.\n\nChannel 1: Got\n\nChannel 0: 3\n\nChannel 1: a second.\n\nChannel 0: 40\n\nChannel 1: Yeah.\n\nChannel 0: 3 per fortnight. Yeah. Beautiful. Through that. Beautiful.\n\nAnd is there any other assets that you need to maybe note down? Anything else of value? Any other cars, boats, caravans, tools\n\nChannel 1: Well,\n\nChannel 0: of trade?\n\nChannel 1: I've got I've got a boat probably worth, like, $40.40 yeah. Maybe 40 k.\n\nChannel 0: 40,000? Yes.\n\nChannel 1: Yeah.\n\nChannel 0: Fantastic. And is\n\nChannel 1: And\n\nChannel 0: it owned outright?\n\nChannel 1: yes. And I'm right now.\n\nChannel 0: Fantastic. And your car as well? What kind of car do you drive?\n\nChannel 1: Land Cruiser 300 series.\n\nChannel 0: Oh, Fantastic.\n\nChannel 1: That's\n\nChannel 0: 300 series. I had a value of 30,000 on that last year. Would you change or alter that value?\n\nChannel 1: yeah. No. That comes with about $1.20.\n\nChannel 0: Okay. Fantastic. Do you guys have a secondary vehicle as well?\n\nChannel 1: No. I don't know. No. That\n\nChannel 0: This\n\nChannel 1: 30,000\n\nChannel 0: one. Beautiful.\n\nChannel 1: was yeah. That's gone now. Yeah.\n\nChannel 0: Oh, fantastic. And the Land Cruiser, do you own that outright, or do you have a loan on that vehicle?\n\nChannel 1: No. That's\n\nChannel 0: No.\n\nChannel 1: for a fairly shock a fairly sacrifice, which is two years into it. Now I've got three years left.\n\nChannel 0: Okay. Three years left. And how much do you pay for that out of your income on a regular basis?\n\nChannel 1: So so really let me look into it. So I do post tax and pre tax.\n\nChannel 0: Yep.\n\nChannel 1: It's it's well, I mean, it's a thousand and then it's a 100 just in here. I'll bring it up and I I can tell you.\n\nChannel 0: Yeah. You're alright. That's okay.\n\nChannel 1: So let me look into it. So post tax is 1,046 and 8¢.\n\nChannel 0: Perfect. Yep.\n\nChannel 1: And and the seller's sacrifice, which is 637 and 44.\n\nChannel 0: $37.45 $4.09. Beautiful. Thank you for updating that for me. Excellent. And the only other thing to confirm is your beneficiaries on your super and your life insurance.\n\nWe have it noted here. A 100% of the benefits be paid to, that's your spouse. You're happy with the way that is structured?\n\nChannel 1: Yes. This is happy to hear\n\nChannel 0: Yes.\n\nChannel 1: you. Is that\n\nChannel 0: Beautiful. Excellent. And the last thing here is, are you putting much in the way of savings away out of your income on a weekly or fortnightly basis, or are you finding everything's kinda going into your loans?\n\nChannel 1: Yeah. No. No savings at all. I say it's no. Definitely\n\nChannel 0: Nothing?\n\nChannel 1: no\n\nChannel 0: No.\n\nChannel 1: savings.\n\nChannel 0: That's\n\nChannel 1: Yeah.\n\nChannel 0: okay. That's\n\nChannel 1: It\n\nChannel 0: all\n\nChannel 1: was funny\n\nChannel 0: good.\n\nChannel 1: it was funny you rang today because the wife just phoned me up today and she's looking. I'm willing to to do some sacrifices. I wanna start saving now and then and then half an hour later, I've got a call from you.\n\nChannel 0: And I've asked you the same question. No. All good. That's good. Oh, hopefully, you can start.\n\nDo you know kinda what you'd like to be out of putting away on a, say, a weekly or fortnightly basis as dedicated savings? Has she\n\nChannel 1: Well,\n\nChannel 0: sort of spoken to you about what she'd like to see?\n\nChannel 1: we're hoping hopefully to try to put away, like, at least 500 a week. Sorry. Minimum.\n\nChannel 0: Okay.\n\nChannel 1: That's minimum.\n\nChannel 0: Yeah. Perfect.\n\nChannel 1: Yeah. So that's why I wanna\n\nChannel 0: Perfect.\n\nChannel 1: try to do this financial plan and see if we can make it work.\n\nChannel 0: Yeah. Absolutely. Well, I mean, have a chat to the mortgage broker about your borrowing capacity\n\nChannel 1: Yeah.\n\nChannel 0: there. If you did then wanna look at, you know, extra advice around cash on budgeting and things like that, we do charge an out of pocket cost for the personal advice there. But I can always just send you a budget planner and have general conversations around you with ways to be able to save, and that is complimentary to you as part of your current services. So, you know, if you want extra services like that and help, let me know. I'll always go through and talk to you about it, what we, you know, what does or doesn't cost, and what we can do for free to help you along.\n\nOkay?\n\nChannel 1: Yeah. Could you put that as a recap as well? Add all that as well?\n\nChannel 0: Absolutely.\n\nChannel 1: Yep.\n\nChannel 0: Absolutely. Not a problem at all.\n\nChannel 1: And then, like, when you charge for your services, if we do need\n\nChannel 0: Yeah.\n\nChannel 1: the actual device. Yeah.\n\nChannel 0: Absolutely. Most definitely. And do you have any other goals that you were looking to sort of obtain? I had back here in 2024, you were looking to get married. Did you you obviously\n\nChannel 1: Yes.\n\nChannel 0: went\n\nChannel 1: We\n\nChannel 0: ahead\n\nChannel 1: did. We\n\nChannel 0: and\n\nChannel 1: got\n\nChannel 0: got married?\n\nChannel 1: we got married last year. Yeah. We got married\n\nChannel 0: Oh,\n\nChannel 1: last year in\n\nChannel 0: congratulations.\n\nChannel 1: Bali. And\n\nChannel 0: Excellent.\n\nChannel 1: and it's been a it's been a year now, just last week. Yeah.\n\nChannel 0: Oh, did you do something nice to your one year anniversary?\n\nChannel 1: No. We just we just went out. We just went to dinner because we just got\n\nChannel 0: Yep.\n\nChannel 1: too much plans coming up. But, well, I think\n\nChannel 0: Yeah.\n\nChannel 1: the holidays coming up, and we just started to\n\nChannel 0: Nice.\n\nChannel 1: sacrifice\n\nChannel 0: Honestly,\n\nChannel 1: it.\n\nChannel 0: dinner's just as good. Dinner's nice.\n\nChannel 1: Yeah. So the the rest is in Sunday. Yeah.\n\nChannel 0: Yeah. Excellent. And I also had down here that you're down the track you're looking to buy your forever home. Is that something you're still looking to do down the track?\n\nChannel 1: Yeah. So we are that's what she was talking to me today about. Like, if it's the house that she likes, then she wants to kinda, like, just buy outright and and I think it's got one I've got a bill a million.\n\nChannel 0: Okay.\n\nChannel 1: So\n\nChannel 0: Yep.\n\nChannel 1: so in the next three years, that's what she wants to do. So\n\nChannel 0: Okay.\n\nChannel 1: we just sell\n\nChannel 0: Beautiful.\n\nChannel 1: our properties and then, okay, I see we could get 300\n\nChannel 0: Yep.\n\nChannel 1: and then we can buy it outright here.\n\nChannel 0: Absolutely. Fantastic. Is there any other goals that you might have in the next, you know, one, two, five, or ten years that you might wanna note down as well?\n\nChannel 1: Yeah. Just at least I have another couple more properties.\n\nChannel 0: Yep. Build that property\n\nChannel 1: Yes.\n\nChannel 0: portfolio. Fantastic.\n\nChannel 1: Definitely.\n\nChannel 0: Excellent. And you're thinking about\n\nChannel 1: Yeah.\n\nChannel 0: handing the properties over to your kids in the future as well, sort of building\n\nChannel 1: Pretty\n\nChannel 0: that for\n\nChannel 1: much.\n\nChannel 0: them to inherit? Yep.\n\nChannel 1: Exactly. Exactly.\n\nChannel 0: The generational wealth. I love that. Fantastic. Beautiful. Well, that's basically everything I needed from you.\n\nObviously, you do pay the ongoing service fee. You have signed that document, so thank you so much for doing that. The ongoing service fee is 1.65% per annum. That is deducted in smaller inside of your super there. So it does continue for the next twelve months.\n\nI'll do\n\nChannel 1: Yep.\n\nChannel 0: a little recap with what we've gone through. We've touched on a lot of areas, a lot of different things. I'll go through and do a bit of a recap email for you with what we've gone over, the areas we've discussed, what we're looking at now. I'll go back and also just review your super investments and do a little an investment switch advice document for you, which we'll have in a few weeks. I'll limit that to just the investment switch for you.\n\nAnd anything additional you need advice on, you can always let me know. We can come back and reevaluate. Is that okay? Are you comfortable\n\nChannel 1: Yeah. That's\n\nChannel 0: with that?\n\nChannel 1: that's uncomfortable.\n\nChannel 0: Yep.\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. Look. I've taken up so much of your time, Jo, but I thank you so much for that. Have you got any questions for me that's come out of any of this, or is there anything that I may have not touched on that you wanted to maybe bring up with me as well?\n\nChannel 1: Yes. So one of the questions was on my speaker form, did I write down that that I was spoken?\n\nChannel 0: On your insurances?\n\nChannel 1: Yeah. Insurance is here. Like,\n\nChannel 0: Let\n\nChannel 1: I did\n\nChannel 0: me have\n\nChannel 1: stop\n\nChannel 0: a quick.\n\nChannel 1: and then I'm just like I'm always starting, stopping, starting, stopping, so I just wanna know what I'm talking about.\n\nChannel 0: Yeah. That's okay. Let's have a bit of a look. So as long as the application, when it was submitted, was correct, it's fine. They sort of don't mind if you weren't smoking then and you've taken it up now.\n\nThat's fine. We don't\n\nChannel 1: Yeah.\n\nChannel 0: have to go back and disclose that at all. But if you were smoking back then and didn't disclose it, that becomes a bit of a question. Yeah. I'm\n\nChannel 1: No. I wasn't in. I'm just kinda, like, just started up, like, again this year.\n\nChannel 0: Okay.\n\nChannel 1: But it's just\n\nChannel 0: Yeah.\n\nChannel 1: it's just,\n\nChannel 0: That's\n\nChannel 1: like, now and then, you know, like, not all the time, but I just rather be on the safe side.\n\nChannel 0: yeah. Of course. So just socially smoking.\n\nChannel 1: Yeah.\n\nChannel 0: So I'll just double check what I've got here for you. Yes. So you are down as being a social smoker.\n\nChannel 1: Awesome.\n\nChannel 0: Yep. Yeah. All good. Fantastic. Was there any other questions or anything else that you wanted to ask me while you've got me here, Jo?\n\nChannel 1: No. Thanks very much for the\n\nChannel 0: No.\n\nChannel 1: so the machine is telling me it's\n\nChannel 0: That's\n\nChannel 1: definitely\n\nChannel 0: okay. It's a lot, and I'm so sorry about that.\n\nChannel 1: no. You don't need to be fine at all. Like, what you what you what you just just found that voice is good. I guess I\n\nChannel 0: Yeah.\n\nChannel 1: needed\n\nChannel 0: Uh-oh.\n\nChannel 1: it and opened\n\nChannel 0: Fantastic.\n\nChannel 1: my eyes the morning. So yeah. No. Thank you\n\nChannel 0: Yeah.\n\nChannel 1: for that. I'll just wait for I'll just wait for that recap and then\n\nChannel 0: Yeah.\n\nChannel 1: reply back to you from\n\nChannel 0: Excellent. And I'll send through the introduction to the mortgage broker there as well. So it's an email to\n\nChannel 1: there.\n\nChannel 0: yourself\n\nChannel 1: Yes.\n\nChannel 0: and the mortgage broker, and then he contacts you to organize a time to touch base and have a chat about what you're after, what your borrowing capacity is, and look at everything. And then he'll go from there. Mortgage breaker services are completely complimentary because they are paid by the banks they write the loans for.\n\nChannel 1: Yeah. Yeah. That's right.\n\nChannel 0: So\n\nChannel 1: Yeah.\n\nChannel 0: that that'll be nice and free for you. Okay?\n\nChannel 1: Thank you so much.\n\nChannel 0: That's okay. Easy, Joe. I'll let you go. You have an amazing\n\nChannel 1: Okay.\n\nChannel 0: day, and let me know if there's anything that comes up. I'll get those emails out to you shortly.\n\nChannel 1: Okay. Thank you. Bye.\n\nChannel 0: Thanks. See you later.","paragraphs":[{"sentences":[{"text":"Hello.","start":0.88,"end":1.1999999,"sentiment":"neutral","sentiment_score":0.03610539436340332},{"text":"Joe speaking.","start":1.1999999,"end":2.02,"sentiment":"neutral","sentiment_score":0.034175027161836624}],"sentiment":"neutral","sentiment_score":0.03481848289569219,"channel":1,"num_words":3,"start":0.88,"end":2.02},{"sentences":[{"text":"Hi.","start":2.6399999,"end":2.96,"sentiment":"neutral","sentiment_score":0.13031569123268127},{"text":"It's Zena from OKIE Financial.","start":2.96,"end":4.58,"sentiment":"neutral","sentiment_score":0.16508457958698272},{"text":"How are you this morning?","start":4.64,"end":5.7799997,"sentiment":"neutral","sentiment_score":0.20737063884735107}],"sentiment":"neutral","sentiment_score":0.18114470758221365,"channel":0,"num_words":11,"start":2.6399999,"end":5.7799997},{"sentences":[{"text":"Oh, good.","start":6.24,"end":7.14,"sentiment":"positive","sentiment_score":0.4490715265274048},{"text":"Thank you.","start":7.2,"end":7.6,"sentiment":"positive","sentiment_score":0.5588558614253998},{"text":"How are you?","start":7.6,"end":8.34,"sentiment":"positive","sentiment_score":0.3814057509104411}],"sentiment":"positive","sentiment_score":0.45143886123384747,"channel":1,"num_words":7,"start":6.24,"end":8.34},{"sentences":[{"text":"I'm very well.","start":8.639999,"end":9.599999,"sentiment":"positive","sentiment_score":0.6423344810803732},{"text":"Thanks so much.","start":9.599999,"end":10.4,"sentiment":"positive","sentiment_score":0.8093283971150717},{"text":"I had you booked in to go through you, and you reviewed you this morning.","start":10.719999,"end":13.44,"sentiment":"positive","sentiment_score":0.3599579175313314},{"text":"Is that still a good time there for you?","start":13.44,"end":15.46,"sentiment":"positive","sentiment_score":0.3585529757870568}],"sentiment":"positive","sentiment_score":0.4327111393213272,"channel":0,"num_words":30,"start":8.639999,"end":15.46},{"sentences":[{"text":"Yeah.","start":15.935,"end":16.095,"sentiment":"neutral","sentiment_score":0.15657342970371246},{"text":"That's","start":16.095,"end":16.595,"sentiment":"neutral","sentiment_score":0.18577562272548676}],"sentiment":"neutral","sentiment_score":0.1711745262145996,"channel":1,"num_words":2,"start":15.935,"end":16.595},{"sentences":[{"text":"Yeah.","start":17.225,"end":17.625,"sentiment":"neutral","sentiment_score":0.19639533758163452},{"text":"All good.","start":17.625,"end":18.025,"sentiment":"positive","sentiment_score":0.4511221945285797},{"text":"How's your morning been thus far?","start":18.025,"end":19.965,"sentiment":"neutral","sentiment_score":0.1946542759736379}],"sentiment":"neutral","sentiment_score":0.25184059805340236,"channel":0,"num_words":9,"start":17.225,"end":19.965},{"sentences":[{"text":"fine.","start":20.815,"end":21.295,"sentiment":"neutral","sentiment_score":0.16361311078071594},{"text":"It's been alright.","start":21.295,"end":22.355,"sentiment":"neutral","sentiment_score":0.17915918926397958},{"text":"It hasn't been full on.","start":22.494999,"end":23.695,"sentiment":"neutral","sentiment_score":0.002533218264579773},{"text":"Pretty pretty crazy.","start":23.695,"end":24.835,"sentiment":"neutral","sentiment_score":0.031841762363910675}],"sentiment":"neutral","sentiment_score":0.06744017141560714,"channel":1,"num_words":12,"start":20.815,"end":24.835},{"sentences":[{"text":"Oh, that's good.","start":25.385,"end":26.345001,"sentiment":"positive","sentiment_score":0.40125513076782227},{"text":"That's good.","start":26.345001,"end":27.244999,"sentiment":"positive","sentiment_score":0.4843222051858902},{"text":"Before we jump into the call, Edgar, I normally do send through some under review documents to you.","start":27.75,"end":32.07,"sentiment":"neutral","sentiment_score":0.0308396323170099},{"text":"Are you able to access your emails?","start":32.07,"end":34.23,"sentiment":"neutral","sentiment_score":-0.0006512472672121865},{"text":"If you can't, that's absolutely fine.","start":34.23,"end":35.91,"sentiment":"neutral","sentiment_score":0.002059296239167452}],"sentiment":"neutral","sentiment_score":0.07598111752627625,"channel":0,"num_words":36,"start":25.385,"end":35.91},{"sentences":[{"text":"Just want to double check.","start":35.91,"end":37.21,"sentiment":"neutral","sentiment_score":-0.012394453585147857}],"sentiment":"neutral","sentiment_score":-0.012394453585147857,"channel":0,"num_words":5,"start":35.91,"end":37.21},{"sentences":[{"text":"Yeah.","start":37.72,"end":37.96,"sentiment":"neutral","sentiment_score":0.03400396555662155},{"text":"Okay.","start":37.96,"end":38.28,"sentiment":"neutral","sentiment_score":0.049317874014377594},{"text":"That's just in.","start":38.28,"end":38.84,"sentiment":"neutral","sentiment_score":0.05449216812849045},{"text":"Yep.","start":38.84,"end":39.34,"sentiment":"neutral","sentiment_score":0.10239537805318832}],"sentiment":"neutral","sentiment_score":0.05819895366827647,"channel":1,"num_words":6,"start":37.72,"end":39.34},{"sentences":[{"text":"Yeah.","start":39.510002,"end":40.010002,"sentiment":"neutral","sentiment_score":0.26252061128616333},{"text":"Fantastic.","start":40.475002,"end":40.635002,"sentiment":"positive","sentiment_score":0.5492774248123169},{"text":"I'm just gonna press send on this one and send them through to you there.","start":40.635002,"end":44.015,"sentiment":"positive","sentiment_score":0.35487861434618634},{"text":"Should come through very, very quickly.","start":44.395,"end":46.175,"sentiment":"positive","sentiment_score":0.5193588534990946},{"text":"Perfect.","start":47.435,"end":47.935,"sentiment":"positive","sentiment_score":0.4672818183898926}],"sentiment":"positive","sentiment_score":0.4049338412781556,"channel":0,"num_words":24,"start":39.510002,"end":47.935},{"sentences":[{"text":"So in these annual review documents, as they do come through, you will see it's the ongoing service agreement for the next twelve months to continue forward with our services there.","start":49.755,"end":57.46,"sentiment":"neutral","sentiment_score":0.17486334231591993},{"text":"We do also have the attachments which will entail the performance report for your hub twenty four super account and also your insurance information for your sum insured for your life and TBD cover, and we've also got your updated balances there.","start":57.679996,"end":73.165,"sentiment":"neutral","sentiment_score":0.14214978881535076},{"text":"Okay.","start":73.165,"end":73.665,"sentiment":"neutral","sentiment_score":0.1362105906009674}],"sentiment":"neutral","sentiment_score":0.1557738558464759,"channel":0,"num_words":74,"start":49.755,"end":73.665},{"sentences":[{"text":"Okay.","start":74.645004,"end":75.145004,"sentiment":"neutral","sentiment_score":0.19462674856185913}],"sentiment":"neutral","sentiment_score":0.19462674856185913,"channel":1,"num_words":1,"start":74.645004,"end":75.145004},{"sentences":[{"text":"Beautiful.","start":75.725,"end":76.225,"sentiment":"positive","sentiment_score":0.40870267152786255},{"text":"Hopefully, it comes through fairly quickly for you.","start":77.485,"end":80.22,"sentiment":"positive","sentiment_score":0.3525536395609379},{"text":"Before I jump in and go through it all for you there, Joe, I just need to confirm, are you okay with us recording this call moving forward?","start":80.46,"end":86.72,"sentiment":"neutral","sentiment_score":0.10433885042688676}],"sentiment":"neutral","sentiment_score":0.16623296216130257,"channel":0,"num_words":37,"start":75.725,"end":86.72},{"sentences":[{"text":"Yeah.","start":87.47,"end":87.63,"sentiment":"neutral","sentiment_score":0.05853844806551933},{"text":"That's fine.","start":87.63,"end":88.369995,"sentiment":"neutral","sentiment_score":0.08166275173425674},{"text":"I'll take you the email.","start":88.99,"end":90.21,"sentiment":"neutral","sentiment_score":0.10684547871351242}],"sentiment":"neutral","sentiment_score":0.09451141813769937,"channel":1,"num_words":8,"start":87.47,"end":90.21},{"sentences":[{"text":"Oh, fantastic.","start":90.46,"end":91.36,"sentiment":"positive","sentiment_score":0.3858354836702347},{"text":"Excellent.","start":91.66,"end":92.16,"sentiment":"positive","sentiment_score":0.3955952525138855},{"text":"Excellent.","start":92.455,"end":92.775,"sentiment":"positive","sentiment_score":0.3694465160369873},{"text":"And I'll just do a quick security check there with you as well just to confirm your full name, your date of birth, and address I should have on file.","start":92.775,"end":99.034996,"sentiment":"neutral","sentiment_score":0.1872674584388733}],"sentiment":"neutral","sentiment_score":0.2104334261487512,"channel":0,"num_words":34,"start":90.46,"end":99.034996},{"sentences":[{"text":"Teresa Joseph, Trulonova 53","start":100.155,"end":102.955,"sentiment":"neutral","sentiment_score":0.02813968574628234}],"sentiment":"neutral","sentiment_score":0.02813968574628234,"channel":1,"num_words":4,"start":100.155,"end":102.955},{"sentences":[{"text":"Yep.","start":102.695,"end":103.195,"sentiment":"neutral","sentiment_score":0.024936482310295105}],"sentiment":"neutral","sentiment_score":0.024936482310295105,"channel":0,"num_words":1,"start":102.695,"end":103.195},{"sentences":[{"text":"'83.","start":102.955,"end":103.854996,"sentiment":"neutral","sentiment_score":0.016692139208316803},{"text":"And","start":104.235,"end":104.735,"sentiment":"neutral","sentiment_score":0.023114632815122604}],"sentiment":"neutral","sentiment_score":0.019903386011719704,"channel":1,"num_words":2,"start":102.955,"end":104.735},{"sentences":[{"text":"Next.","start":104.375,"end":104.875,"sentiment":"neutral","sentiment_score":0.01782883331179619}],"sentiment":"neutral","sentiment_score":0.01782883331179619,"channel":0,"num_words":1,"start":104.375,"end":104.875},{"sentences":[{"text":"what's the address?","start":104.875,"end":105.695,"sentiment":"neutral","sentiment_score":0.02029127503434817}],"sentiment":"neutral","sentiment_score":0.02029127503434817,"channel":1,"num_words":3,"start":104.875,"end":105.695},{"sentences":[{"text":"Yeah.","start":106.375,"end":106.8,"sentiment":"neutral","sentiment_score":0.021489275619387627}],"sentiment":"neutral","sentiment_score":0.021489275619387627,"channel":0,"num_words":1,"start":106.375,"end":106.8},{"sentences":[{"text":"10 Philly Bend South Hedland.","start":107.515,"end":109.375,"sentiment":"neutral","sentiment_score":0.026333497278392314}],"sentiment":"neutral","sentiment_score":0.026333497278392314,"channel":1,"num_words":5,"start":107.515,"end":109.375},{"sentences":[{"text":"Beautiful.","start":110.0,"end":110.5,"sentiment":"positive","sentiment_score":0.3903532028198242},{"text":"Thank you so much.","start":110.560005,"end":111.36,"sentiment":"positive","sentiment_score":0.5037450715899467},{"text":"Is it nice and warm down there at the moment?","start":111.36,"end":113.3,"sentiment":"neutral","sentiment_score":0.22415886372327803}],"sentiment":"neutral","sentiment_score":0.3097948084274928,"channel":0,"num_words":15,"start":110.0,"end":113.3},{"sentences":[{"text":"Awesome.","start":114.560005,"end":115.060005,"sentiment":"neutral","sentiment_score":0.27814656496047974},{"text":"Yeah.","start":115.76,"end":116.240005,"sentiment":"neutral","sentiment_score":0.10926727205514908},{"text":"It is it's probably 18 degrees right now today.","start":116.240005,"end":119.200005,"sentiment":"neutral","sentiment_score":0.07452564852105246},{"text":"Yeah.","start":119.200005,"end":119.700005,"sentiment":"neutral","sentiment_score":0.0697149857878685}],"sentiment":"neutral","sentiment_score":0.09398830495774746,"channel":1,"num_words":12,"start":114.560005,"end":119.700005},{"sentences":[{"text":"Oh, 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I'm in have you ever heard of Fort Hedlund?","start":124.72,"end":127.14,"sentiment":"neutral","sentiment_score":-0.0063745610415935515}],"sentiment":"neutral","sentiment_score":-0.008071604561770246,"channel":1,"num_words":21,"start":121.76,"end":127.14},{"sentences":[{"text":"bit different.","start":127.505,"end":128.22499,"sentiment":"neutral","sentiment_score":-0.026895214803516865},{"text":"Yeah.","start":128.22499,"end":128.465,"sentiment":"neutral","sentiment_score":0.013652844354510307},{"text":"I have.","start":128.465,"end":128.86499,"sentiment":"neutral","sentiment_score":0.01564976153895259},{"text":"Yeah.","start":128.86499,"end":129.36499,"sentiment":"neutral","sentiment_score":0.02870039828121662}],"sentiment":"neutral","sentiment_score":0.0033103893510997295,"channel":0,"num_words":6,"start":127.505,"end":129.36499},{"sentences":[{"text":"Yeah.","start":129.795,"end":130.035,"sentiment":"neutral","sentiment_score":0.03399883955717087},{"text":"So that's what I'm saying 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forward.","start":765.755,"end":766.815,"sentiment":"neutral","sentiment_score":0.045092577735582985},{"text":"Yeah?","start":766.875,"end":767.375,"sentiment":"neutral","sentiment_score":0.04714196547865867},{"text":"You should have a balance in there, and it should tell you in a green box if you're eligible or not.","start":767.675,"end":772.99005,"sentiment":"neutral","sentiment_score":0.055011616398890816}],"sentiment":"neutral","sentiment_score":0.05350654572248459,"channel":0,"num_words":25,"start":765.755,"end":772.99005},{"sentences":[{"text":"It says I'm eligible for","start":773.66,"end":775.79504,"sentiment":"neutral","sentiment_score":0.03764422163367272}],"sentiment":"neutral","sentiment_score":0.03764422163367272,"channel":1,"num_words":5,"start":773.66,"end":775.79504},{"sentences":[{"text":"Mhmm.","start":775.77,"end":776.27,"sentiment":"neutral","sentiment_score":0.040190935134887695}],"sentiment":"neutral","sentiment_score":0.040190935134887695,"channel":0,"num_words":1,"start":775.77,"end":776.27},{"sentences":[{"text":"$6,406.63.","start":775.79504,"end":779.09503,"sentiment":"neutral","sentiment_score":0.03617329895496368}],"sentiment":"neutral","sentiment_score":0.03617329895496368,"channel":1,"num_words":1,"start":775.79504,"end":779.09503},{"sentences":[{"text":"Okay.","start":779.29004,"end":779.69,"sentiment":"neutral","sentiment_score":0.05042733252048493},{"text":"So that's telling you how much you have carried forward from the last five years that you're able to contribute into super over and above the current contributions cap.","start":779.69,"end":788.735,"sentiment":"neutral","sentiment_score":0.03517449441654929},{"text":"So you've just gotta be really careful that if you do exceed the cap that you have this amount or these sorts of funds eligible to you.","start":789.03503,"end":796.41504,"sentiment":"neutral","sentiment_score":-0.11496253725555208},{"text":"Once your super balance hit, say, as an example, if as 06/30/2027, your super balance goes over that $500,000 mark, then the following financial year, you won't be eligible to use these carry forward contributions.","start":797.03503,"end":812.51,"sentiment":"neutral","sentiment_score":-0.04832292768572058},{"text":"So it's just important","start":812.65,"end":814.235,"sentiment":"neutral","sentiment_score":0.013339822646230461}],"sentiment":"neutral","sentiment_score":-0.03824420847619573,"channel":0,"num_words":96,"start":779.29004,"end":814.235},{"sentences":[{"text":"Yep.","start":814.165,"end":814.665,"sentiment":"neutral","sentiment_score":0.04521104693412781}],"sentiment":"neutral","sentiment_score":0.04521104693412781,"channel":1,"num_words":1,"start":814.165,"end":814.665},{"sentences":[{"text":"when you are adding extra money to super that you are just making sure you stay under the cap.","start":814.375,"end":819.915,"sentiment":"neutral","sentiment_score":0.012847021026046653},{"text":"If you think you're gonna go over the cap, then just making sure you have carry forward concessional contributions eligible to you.","start":820.135,"end":826.95,"sentiment":"neutral","sentiment_score":0.010736658195541664},{"text":"What I'm gonna do moving forward as well is I'm gonna make sure we do a catch up every sort of six","start":827.11,"end":832.47003,"sentiment":"neutral","sentiment_score":0.10354642011225224}],"sentiment":"neutral","sentiment_score":0.043782874956608764,"channel":0,"num_words":63,"start":814.375,"end":832.47003},{"sentences":[{"text":"Yep.","start":832.275,"end":832.775,"sentiment":"neutral","sentiment_score":0.03928671032190323}],"sentiment":"neutral","sentiment_score":0.03928671032190323,"channel":1,"num_words":1,"start":832.275,"end":832.775},{"sentences":[{"text":"months.","start":832.47003,"end":832.87,"sentiment":"neutral","sentiment_score":0.04766186326742172},{"text":"That way, I can check your contributions for you.","start":832.87,"end":836.15,"sentiment":"neutral","sentiment_score":0.09901061167733537},{"text":"And if I think you're getting close to the cap, we can just go back in and double check the eligible amount for you.","start":836.15,"end":841.805,"sentiment":"neutral","sentiment_score":0.08484749185542266},{"text":"Is that okay?","start":841.805,"end":842.625,"sentiment":"neutral","sentiment_score":0.12274147073427837}],"sentiment":"neutral","sentiment_score":0.09036004284044376,"channel":0,"num_words":37,"start":832.47003,"end":842.625},{"sentences":[{"text":"Yep.","start":843.635,"end":843.955,"sentiment":"neutral","sentiment_score":0.1162397488951683},{"text":"So what should I do then?","start":843.955,"end":845.57,"sentiment":"neutral","sentiment_score":0.03812443961699804},{"text":"Just leave it as it is for now?","start":845.57,"end":847.01,"sentiment":"neutral","sentiment_score":0.062199834268540144},{"text":"Or what","start":847.01,"end":847.73004,"sentiment":"neutral","sentiment_score":0.023286238312721252}],"sentiment":"neutral","sentiment_score":0.0523033845512306,"channel":1,"num_words":17,"start":843.635,"end":847.73004},{"sentences":[{"text":"Yeah.","start":847.645,"end":848.045,"sentiment":"neutral","sentiment_score":0.04999953508377075}],"sentiment":"neutral","sentiment_score":0.04999953508377075,"channel":0,"num_words":1,"start":847.645,"end":848.045},{"sentences":[{"text":"what do","start":847.73004,"end":848.13,"sentiment":"neutral","sentiment_score":-0.00028392113745212555}],"sentiment":"neutral","sentiment_score":-0.00028392113745212555,"channel":1,"num_words":2,"start":847.73004,"end":848.13},{"sentences":[{"text":"Well,","start":848.045,"end":848.285,"sentiment":"neutral","sentiment_score":0.0415702722966671}],"sentiment":"neutral","sentiment_score":0.0415702722966671,"channel":0,"num_words":1,"start":848.045,"end":848.285},{"sentences":[{"text":"I do?","start":848.13,"end":848.71,"sentiment":"neutral","sentiment_score":0.017162218689918518}],"sentiment":"neutral","sentiment_score":0.017162218689918518,"channel":1,"num_words":2,"start":848.13,"end":848.71},{"sentences":[{"text":"you can't can't take the money out of sleep anymore.","start":848.285,"end":851.165,"sentiment":"neutral","sentiment_score":-0.2838757798075676},{"text":"It's already in there.","start":851.165,"end":852.205,"sentiment":"neutral","sentiment_score":-0.14126410335302353},{"text":"So currently, we just have to wait for you to do your tax return.","start":852.205,"end":855.0,"sentiment":"neutral","sentiment_score":0.027343193601284708},{"text":"When you do your tax return, they will it it'll show eligibility, and, essentially, the ATO does it automatically.","start":855.0,"end":862.46,"sentiment":"neutral","sentiment_score":0.15903864840143606},{"text":"So what happens is","start":862.60004,"end":863.64,"sentiment":"neutral","sentiment_score":0.13292811065912247}],"sentiment":"neutral","sentiment_score":0.010439946297921386,"channel":0,"num_words":51,"start":848.285,"end":863.64},{"sentences":[{"text":"Yes.","start":863.435,"end":863.935,"sentiment":"neutral","sentiment_score":0.20684461295604703}],"sentiment":"neutral","sentiment_score":0.20684461295604703,"channel":1,"num_words":1,"start":863.435,"end":863.935},{"sentences":[{"text":"when your contributions at the end of the year get reported to the ATO, they report exactly.","start":863.64,"end":869.365,"sentiment":"neutral","sentiment_score":0.1857917606830597},{"text":"So they'll say you've made that 32,800 of contributions.","start":869.365,"end":872.825,"sentiment":"neutral","sentiment_score":0.18776518520381716},{"text":"The ATO","start":873.445,"end":874.085,"sentiment":"neutral","sentiment_score":0.14047342538833618}],"sentiment":"neutral","sentiment_score":0.18318905175796577,"channel":0,"num_words":28,"start":863.64,"end":874.085},{"sentences":[{"text":"Yep.","start":873.94,"end":874.44,"sentiment":"neutral","sentiment_score":0.15590953826904297}],"sentiment":"neutral","sentiment_score":0.15590953826904297,"channel":1,"num_words":1,"start":873.94,"end":874.44},{"sentences":[{"text":"then go, well, your cap last year was 30,000.","start":874.085,"end":876.825,"sentiment":"neutral","sentiment_score":0.16288015329175526},{"text":"However, that $2.08 that 2,800, if you had carry forward, and they'll go back to check that you had eligible carry forward amounts, and they'll subtract that from the the earliest financial year available to you.","start":876.885,"end":891.19,"sentiment":"neutral","sentiment_score":0.1790709723201063},{"text":"So you don't have to do anything.","start":891.19,"end":893.27,"sentiment":"neutral","sentiment_score":0.3303233172212328},{"text":"Just do your tax return as normal moving forward.","start":893.27,"end":896.835,"sentiment":"positive","sentiment_score":0.5027918616930643},{"text":"And you if you're fine to keep your contributions going the way you want to if you like, I would just be wanting to make sure we catch up with you every six months and double check how your contributions are going.","start":896.835,"end":908.135,"sentiment":"neutral","sentiment_score":0.33047769218683243}],"sentiment":"neutral","sentiment_score":0.2779604799105126,"channel":0,"num_words":103,"start":874.085,"end":908.135},{"sentences":[{"text":"If you are close to the cap, we might have to stop those extra going in.","start":908.275,"end":912.57,"sentiment":"neutral","sentiment_score":-0.13051165780052543}],"sentiment":"neutral","sentiment_score":-0.13051165780052543,"channel":0,"num_words":16,"start":908.275,"end":912.57},{"sentences":[{"text":"Okay.","start":912.19,"end":912.69,"sentiment":"neutral","sentiment_score":0.05987396836280823}],"sentiment":"neutral","sentiment_score":0.05987396836280823,"channel":1,"num_words":1,"start":912.19,"end":912.69},{"sentences":[{"text":"K?","start":912.79,"end":913.29,"sentiment":"neutral","sentiment_score":0.03285440057516098}],"sentiment":"neutral","sentiment_score":0.03285440057516098,"channel":0,"num_words":1,"start":912.79,"end":913.29},{"sentences":[{"text":"Because I'm","start":913.13495,"end":913.45496,"sentiment":"neutral","sentiment_score":0.046472273766994476}],"sentiment":"neutral","sentiment_score":0.046472273766994476,"channel":1,"num_words":2,"start":913.13495,"end":913.45496},{"sentences":[{"text":"Yeah.","start":913.43,"end":913.93,"sentiment":"neutral","sentiment_score":0.04792463406920433}],"sentiment":"neutral","sentiment_score":0.04792463406920433,"channel":0,"num_words":1,"start":913.43,"end":913.93},{"sentences":[{"text":"putting in I'm putting in a 100 a week.","start":913.45496,"end":916.035,"sentiment":"neutral","sentiment_score":0.03583924637900458},{"text":"So","start":916.255,"end":916.755,"sentiment":"neutral","sentiment_score":0.03170475363731384}],"sentiment":"neutral","sentiment_score":0.03542579710483551,"channel":1,"num_words":10,"start":913.45496,"end":916.755},{"sentences":[{"text":"100 per","start":916.38995,"end":917.26996,"sentiment":"neutral","sentiment_score":0.03771776333451271}],"sentiment":"neutral","sentiment_score":0.03771776333451271,"channel":0,"num_words":2,"start":916.38995,"end":917.26996},{"sentences":[{"text":"200","start":916.975,"end":917.71497,"sentiment":"neutral","sentiment_score":0.04544791579246521}],"sentiment":"neutral","sentiment_score":0.04544791579246521,"channel":1,"num_words":1,"start":916.975,"end":917.71497},{"sentences":[{"text":"week.","start":917.26996,"end":917.75,"sentiment":"neutral","sentiment_score":0.04636254161596298},{"text":"Yep.","start":917.75,"end":918.25,"sentiment":"neutral","sentiment_score":0.05893367528915405}],"sentiment":"neutral","sentiment_score":0.05264810845255852,"channel":0,"num_words":2,"start":917.26996,"end":918.25},{"sentences":[{"text":"200 per pay.","start":918.01495,"end":919.375,"sentiment":"neutral","sentiment_score":0.06090207646290461},{"text":"So that's fortnightly.","start":919.375,"end":920.355,"sentiment":"neutral","sentiment_score":0.09071634461482365}],"sentiment":"neutral","sentiment_score":0.07580921053886414,"channel":1,"num_words":6,"start":918.01495,"end":920.355},{"sentences":[{"text":"Yep.","start":920.47,"end":920.97,"sentiment":"neutral","sentiment_score":0.12884168326854706}],"sentiment":"neutral","sentiment_score":0.12884168326854706,"channel":0,"num_words":1,"start":920.47,"end":920.97},{"sentences":[{"text":"That's what I've been contributing.","start":920.57495,"end":921.95496,"sentiment":"neutral","sentiment_score":0.21155837476253508}],"sentiment":"neutral","sentiment_score":0.21155837476253508,"channel":1,"num_words":5,"start":920.57495,"end":921.95496},{"sentences":[{"text":"All good.","start":922.70996,"end":923.26996,"sentiment":"positive","sentiment_score":0.46329692006111145},{"text":"And your income, I've got you down on about 215,800 per annum.","start":923.26996,"end":928.575,"sentiment":"neutral","sentiment_score":0.07392069511115551},{"text":"Is that about right, income wise?","start":928.575,"end":930.515,"sentiment":"neutral","sentiment_score":0.038421886041760445}],"sentiment":"neutral","sentiment_score":0.10220867488533258,"channel":0,"num_words":20,"start":922.70996,"end":930.515},{"sentences":[{"text":"Well, last this phone tree, I mean, just gone.","start":931.26,"end":933.9,"sentiment":"neutral","sentiment_score":-0.08365423646238115},{"text":"I made I think I made about $2.50, $2.52.","start":933.9,"end":936.96,"sentiment":"neutral","sentiment_score":-0.03817006510992845}],"sentiment":"neutral","sentiment_score":-0.0609121507861548,"channel":1,"num_words":18,"start":931.26,"end":936.96},{"sentences":[{"text":"Okay.","start":937.535,"end":938.035,"sentiment":"neutral","sentiment_score":0.021722519770264626},{"text":"So you're on 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income over that $250,000 is actually taxed at a at an extra 15%.","start":972.5,"end":980.51996,"sentiment":"neutral","sentiment_score":-0.08101888746023178},{"text":"So just double","start":980.58,"end":981.7,"sentiment":"neutral","sentiment_score":0.004241728534301122}],"sentiment":"neutral","sentiment_score":-0.06822979506105184,"channel":0,"num_words":20,"start":972.5,"end":981.7},{"sentences":[{"text":"Hello?","start":981.635,"end":982.135,"sentiment":"neutral","sentiment_score":-0.00590806920081377}],"sentiment":"neutral","sentiment_score":-0.00590806920081377,"channel":1,"num_words":1,"start":981.635,"end":982.135},{"sentences":[{"text":"check with your accountant when you do your tax return what your income looks like and whether this year you might be having to pay that additional tax.","start":981.7,"end":991.66504,"sentiment":"neutral","sentiment_score":-0.042966473049351146},{"text":"Okay?","start":991.805,"end":992.305,"sentiment":"neutral","sentiment_score":0.014978518709540369},{"text":"If they do yeah.","start":992.925,"end":995.005,"sentiment":"neutral","sentiment_score":0.03666979260742664},{"text":"If that if that does come through and you do have to pay that additional tax, it's on income and contributions over the 250,000.","start":995.005,"end":1003.29004,"sentiment":"neutral","sentiment_score":-0.056915911535422005},{"text":"So I don't know whether you'll have to pay it on currently or not.","start":1003.29004,"end":1006.65,"sentiment":"neutral","sentiment_score":-0.09314642207963127}],"sentiment":"neutral","sentiment_score":-0.05227373721419086,"channel":0,"num_words":71,"start":981.7,"end":1006.65},{"sentences":[{"text":"Just check with your account, and they'll be able to confirm what that looks 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of","start":1020.625,"end":1022.705,"sentiment":"neutral","sentiment_score":-0.05669651627540588}],"sentiment":"neutral","sentiment_score":-0.003361185826361179,"channel":0,"num_words":20,"start":1018.305,"end":1022.705},{"sentences":[{"text":"Okay.","start":1022.64,"end":1023.14,"sentiment":"neutral","sentiment_score":-0.03238799795508385}],"sentiment":"neutral","sentiment_score":-0.03238799795508385,"channel":1,"num_words":1,"start":1022.64,"end":1023.14},{"sentences":[{"text":"pocket if you don't wish to.","start":1022.705,"end":1024.385,"sentiment":"neutral","sentiment_score":-0.05136612989008427},{"text":"You 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it deducted from super.","start":1025.105,"end":1028.005,"sentiment":"neutral","sentiment_score":0.05389103665947914},{"text":"The ATO will then have that extra funds deducted from your super fund for you.","start":1028.225,"end":1032.26,"sentiment":"neutral","sentiment_score":0.0972644050916036},{"text":"It's just a matter of the money obviously comes out of super, is paid to the ATO,","start":1032.26,"end":1037.16,"sentiment":"neutral","sentiment_score":0.08653624903629809}],"sentiment":"neutral","sentiment_score":0.08259506372823602,"channel":0,"num_words":42,"start":1025.105,"end":1037.16},{"sentences":[{"text":"Yep.","start":1037.2949,"end":1037.7949,"sentiment":"neutral","sentiment_score":0.06947337090969086}],"sentiment":"neutral","sentiment_score":0.06947337090969086,"channel":1,"num_words":1,"start":1037.2949,"end":1037.7949},{"sentences":[{"text":"and that money is no longer invested for your 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Jo?","start":1757.145,"end":1759.485,"sentiment":"neutral","sentiment_score":0.07579756020144983}],"sentiment":"neutral","sentiment_score":0.10832795014064159,"channel":0,"num_words":62,"start":1744.1799,"end":1759.485},{"sentences":[{"text":"Anytime is fun.","start":1760.3049,"end":1761.5049,"sentiment":"neutral","sentiment_score":0.16663052141666412},{"text":"Anytime he can come","start":1761.5049,"end":1762.3849,"sentiment":"neutral","sentiment_score":0.06922082137316465}],"sentiment":"neutral","sentiment_score":0.11096783567752157,"channel":1,"num_words":7,"start":1760.3049,"end":1762.3849},{"sentences":[{"text":"Anytime?","start":1762.345,"end":1762.845,"sentiment":"neutral","sentiment_score":0.04033476859331131}],"sentiment":"neutral","sentiment_score":0.04033476859331131,"channel":0,"num_words":1,"start":1762.345,"end":1762.845},{"sentences":[{"text":"in and talk to 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coming","start":1811.4099,"end":1815.045,"sentiment":"neutral","sentiment_score":-0.00839582085609436}],"sentiment":"neutral","sentiment_score":-0.00839582085609436,"channel":1,"num_words":10,"start":1811.4099,"end":1815.045},{"sentences":[{"text":"So","start":1814.7051,"end":1815.1051,"sentiment":"neutral","sentiment_score":-0.0022053327411413193}],"sentiment":"neutral","sentiment_score":-0.0022053327411413193,"channel":0,"num_words":1,"start":1814.7051,"end":1815.1051},{"sentences":[{"text":"up?","start":1815.045,"end":1815.545,"sentiment":"neutral","sentiment_score":0.001339503563940525}],"sentiment":"neutral","sentiment_score":0.001339503563940525,"channel":1,"num_words":1,"start":1815.045,"end":1815.545},{"sentences":[{"text":"for your life and TPD at the moment, the the total paid from was $2,283.83 this year.","start":1815.1051,"end":1824.49,"sentiment":"neutral","sentiment_score":-0.028848996824201417},{"text":"So these policies do get more and more expensive as you get 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CPD, I've got 700, don't","start":2041.51,"end":2048.805,"sentiment":"neutral","sentiment_score":-0.06773391887545585}],"sentiment":"neutral","sentiment_score":-0.06773391887545585,"channel":1,"num_words":20,"start":2041.51,"end":2048.805},{"sentences":[{"text":"Correct.","start":2049.12,"end":2049.62,"sentiment":"neutral","sentiment_score":-0.051022786647081375},{"text":"Yeah.","start":2049.76,"end":2050.08,"sentiment":"neutral","sentiment_score":-0.0021002963185310364},{"text":"And with life and TBD, your super balance is also paid out.","start":2050.08,"end":2053.575,"sentiment":"neutral","sentiment_score":-0.005552942437740664},{"text":"We can claim against your super when you pass away, and that gets paid to your 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750 of life plus your current super balance, that gives you a million and 78 of life cover.","start":2059.015,"end":2065.515,"sentiment":"neutral","sentiment_score":0.053970721599302794},{"text":"With CBD, it gives you the same level.","start":2066.73,"end":2069.3901,"sentiment":"neutral","sentiment_score":0.01535913348197937},{"text":"But if you were to claim CBD, unfortunately, it is a taxable payment.","start":2069.61,"end":2075.05,"sentiment":"neutral","sentiment_score":-0.0862060242260878},{"text":"So if you claimed CBD and had the full million and 78 paid out as a lump sum, the 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sixty days, or ninety days.","start":2250.095,"end":2255.315,"sentiment":"neutral","sentiment_score":-0.06752907996997237}],"sentiment":"neutral","sentiment_score":-0.001299053677083815,"channel":0,"num_words":68,"start":2230.61,"end":2255.315},{"sentences":[{"text":"What sort of waiting period do you think you'd want?","start":2255.695,"end":2258.09,"sentiment":"neutral","sentiment_score":-0.022392280213534833}],"sentiment":"neutral","sentiment_score":-0.022392280213534833,"channel":0,"num_words":10,"start":2255.695,"end":2258.09},{"sentences":[{"text":"So the longer you wait, the cheaper 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expected.","start":2769.9648,"end":2780.305,"sentiment":"neutral","sentiment_score":-0.2441278811958101}],"sentiment":"neutral","sentiment_score":-0.2441278811958101,"channel":0,"num_words":36,"start":2769.9648,"end":2780.305},{"sentences":[{"text":"Yeah.","start":2780.89,"end":2781.39,"sentiment":"neutral","sentiment_score":-0.026237983256578445}],"sentiment":"neutral","sentiment_score":-0.026237983256578445,"channel":1,"num_words":1,"start":2780.89,"end":2781.39},{"sentences":[{"text":"So it is about going through a new application as well.","start":2780.99,"end":2783.71,"sentiment":"neutral","sentiment_score":0.011094590479677374},{"text":"But if it's something that meets your goal that you're actually wanting to do, we can definitely look at helping you out in doing that for you.","start":2783.71,"end":2790.29,"sentiment":"neutral","sentiment_score":0.2186220713235714},{"text":"That's 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it?","start":2916.7148,"end":2917.515,"sentiment":"neutral","sentiment_score":-0.1738787330687046},{"text":"Yeah.","start":2917.515,"end":2917.835,"sentiment":"neutral","sentiment_score":0.04309885203838349},{"text":"Absolutely.","start":2917.835,"end":2918.335,"sentiment":"neutral","sentiment_score":0.13042113184928894}],"sentiment":"neutral","sentiment_score":-0.08699915806452434,"channel":0,"num_words":6,"start":2916.7148,"end":2918.335},{"sentences":[{"text":"Yeah.","start":2918.51,"end":2919.01,"sentiment":"neutral","sentiment_score":0.07415934652090073}],"sentiment":"neutral","sentiment_score":0.07415934652090073,"channel":1,"num_words":1,"start":2918.51,"end":2919.01},{"sentences":[{"text":"I've got some other options that I can look at.","start":2918.7148,"end":2921.08,"sentiment":"neutral","sentiment_score":0.037681253254413606},{"text":"I just wanna","start":2921.08,"end":2921.64,"sentiment":"neutral","sentiment_score":0.08794376502434413}],"sentiment":"neutral","sentiment_score":0.04928029443208988,"channel":0,"num_words":13,"start":2918.7148,"end":2921.64},{"sentences":[{"text":"Yep.","start":2921.55,"end":2922.05,"sentiment":"neutral","sentiment_score":0.06906861066818237}],"sentiment":"neutral","sentiment_score":0.06906861066818237,"channel":1,"num_words":1,"start":2921.55,"end":2922.05},{"sentences":[{"text":"run through a real quick risk profile with you just to sorta gauge whether your risk tolerance has changed at all.","start":2921.64,"end":2927.9,"sentiment":"neutral","sentiment_score":0.00998756732969057},{"text":"The first one here is just looking at do you you do you have any shares of cryptocurrency or anything in your own name?","start":2928.52,"end":2936.365,"sentiment":"neutral","sentiment_score":0.011596142644217858},{"text":"Have you 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mark.","start":2942.845,"end":2950.67,"sentiment":"neutral","sentiment_score":0.10851039628808697},{"text":"Are you","start":2950.89,"end":2951.29,"sentiment":"neutral","sentiment_score":0.01980848889797926}],"sentiment":"neutral","sentiment_score":0.1246462116417076,"channel":0,"num_words":28,"start":2940.765,"end":2951.29},{"sentences":[{"text":"Yep.","start":2951.1,"end":2951.6,"sentiment":"neutral","sentiment_score":0.03135831281542778}],"sentiment":"neutral","sentiment_score":0.03135831281542778,"channel":1,"num_words":1,"start":2951.1,"end":2951.6},{"sentences":[{"text":"sort of wanting to keep at the same age, or are you","start":2951.29,"end":2953.93,"sentiment":"neutral","sentiment_score":0.02368238273387154}],"sentiment":"neutral","sentiment_score":0.02368238273387154,"channel":0,"num_words":12,"start":2951.29,"end":2953.93},{"sentences":[{"text":"Yeah.","start":2953.925,"end":2954.425,"sentiment":"neutral","sentiment_score":0.051926422864198685}],"sentiment":"neutral","sentiment_score":0.051926422864198685,"channel":1,"num_words":1,"start":2953.925,"end":2954.425},{"sentences":[{"text":"feeling you'd like to try and access super at the earliest possible possible opportunity?","start":2953.93,"end":2957.975,"sentiment":"neutral","sentiment_score":0.14613795945686953}],"sentiment":"neutral","sentiment_score":0.14613795945686953,"channel":0,"num_words":14,"start":2953.93,"end":2957.975},{"sentences":[{"text":"What is the here list you can access 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I","start":3964.975,"end":3965.375,"sentiment":"neutral","sentiment_score":0.07568710545698802}],"sentiment":"neutral","sentiment_score":0.018879404434790976,"channel":1,"num_words":26,"start":3959.855,"end":3965.375},{"sentences":[{"text":"Yeah.","start":3965.34,"end":3965.5,"sentiment":"neutral","sentiment_score":0.09383536875247955}],"sentiment":"neutral","sentiment_score":0.09383536875247955,"channel":0,"num_words":1,"start":3965.34,"end":3965.5},{"sentences":[{"text":"needed","start":3965.375,"end":3965.875,"sentiment":"neutral","sentiment_score":0.07908716052770615}],"sentiment":"neutral","sentiment_score":0.07908716052770615,"channel":1,"num_words":1,"start":3965.375,"end":3965.875},{"sentences":[{"text":"Uh-oh.","start":3965.5,"end":3966.0,"sentiment":"neutral","sentiment_score":0.10793165862560272}],"sentiment":"neutral","sentiment_score":0.10793165862560272,"channel":0,"num_words":1,"start":3965.5,"end":3966.0},{"sentences":[{"text":"it and opened","start":3966.095,"end":3967.215,"sentiment":"neutral","sentiment_score":0.31463566422462463}],"sentiment":"neutral","sentiment_score":0.31463566422462463,"channel":1,"num_words":3,"start":3966.095,"end":3967.215},{"sentences":[{"text":"Fantastic.","start":3966.94,"end":3967.44,"sentiment":"positive","sentiment_score":0.6123720407485962}],"sentiment":"positive","sentiment_score":0.6123720407485962,"channel":0,"num_words":1,"start":3966.94,"end":3967.44},{"sentences":[{"text":"my eyes the morning.","start":3967.215,"end":3968.415,"sentiment":"positive","sentiment_score":0.5564505606889725},{"text":"So yeah.","start":3968.415,"end":3968.975,"sentiment":"neutral","sentiment_score":0.18926159292459488},{"text":"No.","start":3968.975,"end":3969.055,"sentiment":"neutral","sentiment_score":0.05131274461746216},{"text":"Thank you","start":3969.055,"end":3969.375,"sentiment":"positive","sentiment_score":0.40728434920310974}],"sentiment":"positive","sentiment_score":0.3855785412920846,"channel":1,"num_words":9,"start":3967.215,"end":3969.375},{"sentences":[{"text":"Yeah.","start":3969.26,"end":3969.76,"sentiment":"neutral","sentiment_score":0.22088712453842163}],"sentiment":"neutral","sentiment_score":0.22088712453842163,"channel":0,"num_words":1,"start":3969.26,"end":3969.76},{"sentences":[{"text":"for that.","start":3969.375,"end":3969.615,"sentiment":"positive","sentiment_score":0.40721265971660614},{"text":"I'll just wait for I'll just wait for that recap and then","start":3969.615,"end":3971.88,"sentiment":"neutral","sentiment_score":0.14452400182684264}],"sentiment":"neutral","sentiment_score":0.1820509529539517,"channel":1,"num_words":14,"start":3969.375,"end":3971.88},{"sentences":[{"text":"Yeah.","start":3971.9001,"end":3972.4001,"sentiment":"neutral","sentiment_score":0.09410688281059264}],"sentiment":"neutral","sentiment_score":0.09410688281059264,"channel":0,"num_words":1,"start":3971.9001,"end":3972.4001},{"sentences":[{"text":"reply back to you from","start":3972.1199,"end":3973.5798,"sentiment":"neutral","sentiment_score":0.24598527550697327}],"sentiment":"neutral","sentiment_score":0.24598527550697327,"channel":1,"num_words":5,"start":3972.1199,"end":3973.5798},{"sentences":[{"text":"Excellent.","start":3973.1,"end":3973.6,"sentiment":"positive","sentiment_score":0.6092433333396912},{"text":"And I'll send through the introduction to the mortgage broker there as well.","start":3974.005,"end":3977.205,"sentiment":"neutral","sentiment_score":0.2534635685957395},{"text":"So it's an email to","start":3977.205,"end":3978.405,"sentiment":"neutral","sentiment_score":0.11998981684446335}],"sentiment":"neutral","sentiment_score":0.23706414785824323,"channel":0,"num_words":19,"start":3973.1,"end":3978.405},{"sentences":[{"text":"there.","start":3978.2,"end":3978.45,"sentiment":"neutral","sentiment_score":0.09108082950115204}],"sentiment":"neutral","sentiment_score":0.09108082950115204,"channel":1,"num_words":1,"start":3978.2,"end":3978.45},{"sentences":[{"text":"yourself","start":3978.405,"end":3978.725,"sentiment":"neutral","sentiment_score":0.08203679323196411}],"sentiment":"neutral","sentiment_score":0.08203679323196411,"channel":0,"num_words":1,"start":3978.405,"end":3978.725},{"sentences":[{"text":"Yes.","start":3978.45,"end":3978.95,"sentiment":"neutral","sentiment_score":0.08752529323101044}],"sentiment":"neutral","sentiment_score":0.08752529323101044,"channel":1,"num_words":1,"start":3978.45,"end":3978.95},{"sentences":[{"text":"and the mortgage broker, and then he contacts you to organize a time to touch base and have a chat about what you're after, what your borrowing capacity is, and look at everything.","start":3978.725,"end":3986.585,"sentiment":"neutral","sentiment_score":0.2154963050376285},{"text":"And then he'll go from there.","start":3987.1401,"end":3988.5,"sentiment":"neutral","sentiment_score":0.1225573221842448},{"text":"Mortgage breaker services are completely complimentary because they are paid by the banks they write the loans for.","start":3988.5,"end":3994.6802,"sentiment":"neutral","sentiment_score":0.2146185135675801}],"sentiment":"neutral","sentiment_score":0.20543605690462546,"channel":0,"num_words":57,"start":3978.725,"end":3994.6802},{"sentences":[{"text":"Yeah.","start":3994.325,"end":3994.645,"sentiment":"neutral","sentiment_score":0.23012444376945496},{"text":"Yeah.","start":3994.645,"end":3994.885,"sentiment":"neutral","sentiment_score":0.2721489667892456},{"text":"That's right.","start":3994.885,"end":3995.365,"sentiment":"positive","sentiment_score":0.38273032009601593}],"sentiment":"neutral","sentiment_score":0.3169335126876831,"channel":1,"num_words":4,"start":3994.325,"end":3995.365},{"sentences":[{"text":"So","start":3995.1401,"end":3995.3801,"sentiment":"positive","sentiment_score":0.34398746490478516}],"sentiment":"positive","sentiment_score":0.34398746490478516,"channel":0,"num_words":1,"start":3995.1401,"end":3995.3801},{"sentences":[{"text":"Yeah.","start":3995.365,"end":3995.865,"sentiment":"neutral","sentiment_score":0.3024863004684448}],"sentiment":"neutral","sentiment_score":0.3024863004684448,"channel":1,"num_words":1,"start":3995.365,"end":3995.865},{"sentences":[{"text":"that that'll be nice and free for you.","start":3995.3801,"end":3997.78,"sentiment":"positive","sentiment_score":0.5764540918171406},{"text":"Okay?","start":3997.78,"end":3998.28,"sentiment":"neutral","sentiment_score":0.2957601249217987}],"sentiment":"positive","sentiment_score":0.5452658732732137,"channel":0,"num_words":9,"start":3995.3801,"end":3998.28},{"sentences":[{"text":"Thank you so much.","start":3998.99,"end":4000.69,"sentiment":"positive","sentiment_score":0.7790941894054413}],"sentiment":"positive","sentiment_score":0.7790941894054413,"channel":1,"num_words":4,"start":3998.99,"end":4000.69},{"sentences":[{"text":"That's okay.","start":4000.4202,"end":4001.32,"sentiment":"positive","sentiment_score":0.6287740767002106},{"text":"Easy, Joe.","start":4002.405,"end":4003.0452,"sentiment":"positive","sentiment_score":0.6893172860145569},{"text":"I'll let you go.","start":4003.0452,"end":4003.7651,"sentiment":"positive","sentiment_score":0.6816687434911728},{"text":"You have an amazing","start":4003.7651,"end":4004.725,"sentiment":"positive","sentiment_score":0.7694265097379684}],"sentiment":"positive","sentiment_score":0.7033803115288416,"channel":0,"num_words":12,"start":4000.4202,"end":4004.725},{"sentences":[{"text":"Okay.","start":4004.5898,"end":4005.0898,"sentiment":"positive","sentiment_score":0.45235657691955566}],"sentiment":"positive","sentiment_score":0.45235657691955566,"channel":1,"num_words":1,"start":4004.5898,"end":4005.0898},{"sentences":[{"text":"day, and let me know if there's anything that comes up.","start":4004.725,"end":4006.725,"sentiment":"positive","sentiment_score":0.40310141986066644},{"text":"I'll get those emails out to you shortly.","start":4006.725,"end":4008.585,"sentiment":"neutral","sentiment_score":0.33187511935830116}],"sentiment":"positive","sentiment_score":0.37311139859651266,"channel":0,"num_words":19,"start":4004.725,"end":4008.585},{"sentences":[{"text":"Okay.","start":4008.99,"end":4009.49,"sentiment":"neutral","sentiment_score":0.3219037353992462},{"text":"Thank you.","start":4009.5498,"end":4009.95,"sentiment":"positive","sentiment_score":0.6537282168865204},{"text":"Bye.","start":4009.95,"end":4010.45,"sentiment":"positive","sentiment_score":0.40278053283691406}],"sentiment":"positive","sentiment_score":0.5080351755023003,"channel":1,"num_words":4,"start":4008.99,"end":4010.45},{"sentences":[{"text":"Thanks.","start":4010.8052,"end":4011.125,"sentiment":"positive","sentiment_score":0.6543863415718079},{"text":"See you later.","start":4011.125,"end":4011.865,"sentiment":"neutral","sentiment_score":0.29896073291699093}],"sentiment":"positive","sentiment_score":0.38781713508069515,"channel":0,"num_words":4,"start":4010.8052,"end":4011.865}]},"summary":{"result":"success","short":"Representatives from Oeu Financial called a customer to discuss annual review and annual review documents. The customer had been booked in for a call and reviewed the documents, including personal information and investment properties and retirement plans. The broker suggested referring them to a mortgage broker for further advice, discussed their coverage and income, and provided information on the benefits of a risk profile questionnaire and a will and power of attorney for future decisions. The agent also discussed the customer's income and savings plans and suggested updating their fax line and referral process. The agent provided a budget plan and suggested speaking to their mortgage broker for more advice. They reminded the customer of the ongoing service fee and offered to send an email with more information."},"intents":{"segments":[{"text":"I had you booked in to go through you, and you reviewed you this morning. Is that still a good time there for you? Yeah.","start_word":27,"end_word":51,"intents":[{"intent":"Confirm appointment","confidence_score":0.115329415}]},{"text":"Now we'll go through and have a bit of a chat about your super, your insurances, and how everything's going goal wise for you.","start_word":401,"end_word":424,"intents":[{"intent":"Discuss super insurances","confidence_score":0.33761856}]},{"text":"looking at I I really I really wanna do a financial plan and also, like, I'm looking, like, would I be able to get in, like, another investment as well? Yes. Yeah. Yeah.","start_word":470,"end_word":502,"intents":[{"intent":"Discuss financial plan","confidence_score":0.006964479}]},{"text":"But, yeah, just have a think about what you want to happen out of the I know with the kids being so young, Exactly. it's it's my kids are probably the same boat. It's gonna be difficult for them to buy property without our our assistance in the future, isn't it?","start_word":1083,"end_word":1133,"intents":[{"intent":"Discuss property options","confidence_score":0.010007011}]},{"text":"So you have seen some really good growth in your super. When we look at it over the last twelve months, we've seen an increase of 5.57% net of fees. As a dollar figure, that's showing earnings and growth within the fund of over 21,889 for the last twelve months. So it is really good growth and a good return.","start_word":1295,"end_word":1354,"intents":[{"intent":"Discuss financial situation","confidence_score":0.0011078647},{"intent":"Discuss growth","confidence_score":0.020081025}]},{"text":"Admittedly, given kind of where you're at, it is a little bit lower than what we kind of of would have expected out of your sort of portfolio.","start_word":1355,"end_word":1382,"intents":[{"intent":"Discuss portfolio status","confidence_score":0.22160253}]},{"text":"We'd have to check whether any what kind of contributions were going into your previous year.","start_word":1797,"end_word":1812,"intents":[{"intent":"Check contributions","confidence_score":0.8333893}]},{"text":"So as long as you have some carry forward contributions from, say, the last five years, the carry forward is any unused concessional cap from the last or previous five years. Looking at your balance, you're within range to be allowed to access those sorts of things.","start_word":1853,"end_word":1899,"intents":[{"intent":"Access concessional contributions","confidence_score":0.06463666}]},{"text":"That way, I can check your contributions for you.","start_word":2510,"end_word":2518,"intents":[{"intent":"Check contributions","confidence_score":0.24551502}]},{"text":"So currently, we just have to wait for you to do your tax return. When you do your tax return, they will it it'll show eligibility, and, essentially, the ATO does it automatically. So what happens is Yes.","start_word":2583,"end_word":2620,"intents":[{"intent":"Inform about tax returns","confidence_score":0.000029196379}]},{"text":"So inside super, you pay 15% tax on contributions that are to put in there. If your, gross income and your income earned from your employer plus your super contributions exceeds that 250,000, any exceeds that 250,000. Any super contributions and income over that $250,000 is actually taxed at a at an extra 15%. So just double Hello?","start_word":2878,"end_word":2935,"intents":[{"intent":"Inquire about tax coverage","confidence_score":0.0008707713}]},{"text":"at the end of the financial year as well. And that deductible contribution works as a bit of a tax deduction for you.","start_word":3634,"end_word":3656,"intents":[{"intent":"Make a contribution","confidence_score":0.007486378}]},{"text":"And that deductible contribution works as a bit of a tax deduction for you.","start_word":3643,"end_word":3656,"intents":[{"intent":"Make a tax deduction","confidence_score":0.0060652704},{"intent":"Make deductible contribution","confidence_score":0.010142791},{"intent":"Discuss tax deduction option","confidence_score":0.011475071}]},{"text":"And that deductible contribution works as a bit of a tax deduction for you. So that's Oh, another yeah? option to sort of look at. Maybe have a chat to your accountant about the salary sacrifice and the deductible contribution, see if they can kind of model your tax return for the next financial year based on everything you've given them, and just sort of see what they say about, you know, which way might be better tax wise for you.","start_word":3643,"end_word":3723,"intents":[{"intent":"Discuss tax deduction options","confidence_score":0.06096009}]},{"text":"But, yeah, from what I can see, looking at things, the maximum salary sacrifice to keep you under the cap would be about $48 per week. Oh, okay.","start_word":3926,"end_word":3953,"intents":[{"intent":"Adjust salary sacrifice amount","confidence_score":0.0038694204}]},{"text":"I'll I'll I'll I'll change that with HR. Yeah.","start_word":3983,"end_word":3991,"intents":[{"intent":"Change tax deduction amount","confidence_score":0.025321323},{"intent":"Change salary sacrifice amount","confidence_score":0.135078}]},{"text":"That's right. I don't wanna lose out of 4,000 a year. Yeah. Yeah. Absolutely.","start_word":4040,"end_word":4053,"intents":[{"intent":"Confirm plan","confidence_score":0.000765025}]},{"text":"But do have a chat to your accountant where you do tax return and ask them about the DIV two nine three tax, and they'll be able to let you know whether you have to pay that based on the last year or not. Okay?","start_word":4056,"end_word":4100,"intents":[{"intent":"Ask about tax deduction","confidence_score":0.059073027},{"intent":"Confirm eligibility","confidence_score":0.00048324844}]},{"text":"We do have if you would like us to refer you through to one, absolutely.","start_word":4107,"end_word":4121,"intents":[{"intent":"Recommend accountant","confidence_score":0.0027603414}]},{"text":"Beautiful. Beautiful. Well, let me know if you do happen to have any questions there. If you want, I could always send you a bit of an email after the call, just a bit of a recap on things that you could definitely ask them to check for you. Okay? Yes, please. Yes, please. If you Yep. could that'll be great. Fantastic. Easy.","start_word":4226,"end_word":4288,"intents":[{"intent":"Express gratitude","confidence_score":0.057501204}]},{"text":"If you want, I could always send you a bit of an email after the call, just a bit of a recap on things that you could definitely ask them to check for you. Okay? Yes, please.","start_word":4241,"end_word":4277,"intents":[{"intent":"Suggest email","confidence_score":0.016339025}]},{"text":"And I'll make sure that we do catch ups with you, each six months so I can check what your contributions are going in.","start_word":4358,"end_word":4381,"intents":[{"intent":"Check contributions","confidence_score":0.74381715}]},{"text":"The other thing to sort of look at is your insurances. So you do have your towel policy with your life and TBD. In the event of passing away, your life cover, your sum insured, 750,000, and then, obviously, you've got your super paid out on top of that, which is the $3.28.","start_word":4447,"end_word":4499,"intents":[{"intent":"Review insurance coverage","confidence_score":0.20880012}]},{"text":"So that's 200,000 is probably worth probably, like, $9.50 now. $9.","start_word":4719,"end_word":4729,"intents":[{"intent":"Set minimum coverage amount","confidence_score":8.7500337e-7},{"intent":"Confirm value","confidence_score":0.0061788294}]},{"text":"And and I'm and I'm getting 1,400 a week for that. So 1,400 per week rent for that property. And how much was the loan, I'm so sorry, that you're paying back per fortnight? So that one is $12.","start_word":5059,"end_word":5097,"intents":[{"intent":"Negotiate property purchase","confidence_score":0.00022502171}]},{"text":"but how much am I paying now for, like, coming So up?","start_word":5422,"end_word":5433,"intents":[{"intent":"Check income protection cost","confidence_score":0.0017619205}]},{"text":"So these policies do get more and more expensive as you get older. It does mean that more money is deducted Yeah. Yeah. from your super for the premium. So if you did wanna increase that, it absolutely does increase the cost of the level of cover. However, it's just making sure that you have the level of protection that meets your goal as well. Yeah.","start_word":5451,"end_word":5516,"intents":[{"intent":"Check insurance coverage","confidence_score":0.000054783715}]},{"text":"Worst case, I could always get an updated quote and email it through to you afterwards. But let me see if I can jump in because giving you a live quote would be easier on your Yes, sir.","start_word":5550,"end_word":5587,"intents":[{"intent":"Provide quote","confidence_score":0.06952033}]},{"text":"I don't I don't understand what you So income protection pays out a monthly benefit in the event that you're unable to go to work in the short term. mean.","start_word":5681,"end_word":5710,"intents":[{"intent":"Determine benefits","confidence_score":0.0029816695}]},{"text":"Let's do a quote. Sorry.","start_word":5795,"end_word":5799,"intents":[{"intent":"Request quote","confidence_score":0.11939522}]},{"text":"So I've got your policy here. I'm just gonna pop in and do a quick live quote for you. New quote.","start_word":5820,"end_word":5840,"intents":[{"intent":"Understand policy information","confidence_score":0.00014217505}]},{"text":"It's up to 22%. So based on that, the estimated tax on a million and 78 would be 237 Yeah.","start_word":5982,"end_word":6001,"intents":[{"intent":"Limit tax","confidence_score":0.06831738}]},{"text":"So, I mean, realistically, if you were to claim TBD, we would provide advice on, you know, how best to use the funds. That way we can limit the tax if possible, and also, you know, keep money invested as whole years. Yeah.","start_word":6014,"end_word":6056,"intents":[{"intent":"Provide insurance advice","confidence_score":0.0001402538}]},{"text":"Beautiful.","start_word":6107,"end_word":6107,"intents":[{"intent":"Inquire about income protection","confidence_score":0.01059688}]},{"text":"So it's estimating the yearly premium to be about $8,900 to to add income protection and increase your life and TPD to a million dollars.","start_word":6465,"end_word":6489,"intents":[{"intent":"Estimate premiums","confidence_score":0.008390972}]},{"text":"so so does that mean I have to pay extra tax or something? No. No.","start_word":6883,"end_word":6897,"intents":[{"intent":"Clarify tax calculation","confidence_score":0.001018508}]},{"text":"So that's you don't pay the the extra tax on your on the life cover or your super balance. That's paid out to your beneficiary if you would have passed away. But Yes.","start_word":6898,"end_word":6930,"intents":[{"intent":"Explain policy benefits","confidence_score":0.0062044556}]},{"text":"if you, yeah, were t p d and you took, say, the $1,300,000 out as a lump sum, and once you claimed on that, then absolutely there is up to 22% tax on that lump sum payout.","start_word":6931,"end_word":6967,"intents":[{"intent":"Explain benefits of lump sum payout","confidence_score":0.058854178}]},{"text":"It's also important to note that with these power policies, they do go through a renewal every year. So every year, the policy does increase a little bit. So if you think back to your last annual review Yep.","start_word":7063,"end_word":7101,"intents":[{"intent":"Explain effects of policy renewal","confidence_score":0.000025809755}]},{"text":"But these policies do get more and more expensive as you get older. So you'll pay 2 Yeah.","start_word":7132,"end_word":7149,"intents":[{"intent":"Clarify policy costs","confidence_score":0.017071351}]},{"text":"thousand 200 now for the premium in, say, another 3 or 4 years, you could be paying over 3,000 Yeah.","start_word":7150,"end_word":7169,"intents":[{"intent":"Explain cost of policy","confidence_score":0.002757629},{"intent":"Explain policy cost","confidence_score":0.043443993}]},{"text":"So you wanna make sure your super is growing and that you're getting the returns to cover the insurance premiums, but also provide, you know, a bit more growth for longevity as well. Because a lot of people, when they get into their, you know, fifties, their insurance premiums can be anywhere between 15 to $20,000 a year. So at that age, those insurance premiums get very expensive. Woah.","start_word":7222,"end_word":7290,"intents":[{"intent":"Maximize insurance coverage","confidence_score":0.11340957}]},{"text":"It's major traumatic diagnosis thing. You have to Yes. pay trauma out of your back pocket, so not everyone wants to. And you can also get child trauma policies to cover your kids in the event of them getting, you know, diagnoses like cancer. Did you wanna look at getting any additional cover for trauma or child trauma out of your back pocket, or you're happy just to leave this as it is for the moment? Yeah.","start_word":7584,"end_word":7660,"intents":[{"intent":"Discuss and discuss coverage options for trauma and cancer diagnoses","confidence_score":0.0000011818835}]},{"text":"Now with your super, I can see having a look at your investments, there's one that is underperforming a little bit at the moment.","start_word":7783,"end_word":7806,"intents":[{"intent":"Review and discuss portfolio recommendations for underperforming investments","confidence_score":0.0001933104}]},{"text":"I've got some other options that I can look at. I just wanna Yep. run through a real quick risk profile with you just to sorta gauge whether your risk tolerance has changed at all.","start_word":7901,"end_word":7935,"intents":[{"intent":"Review portfolio options based on risk profile","confidence_score":0.00002048634}]},{"text":"So when you think about your super, do you feel comfortable taking on a higher level of risk to try and get greater returns to make your super work harder? Do you feel like you're comfortable taking on a moderate or medium amount of risk to get the best returns you can, or are you concerned about the ups and downs in the market and not wanting to take on any risk and understand the returns are lower because of that? Sorry.","start_word":8067,"end_word":8148,"intents":[{"intent":"Assess risk levels","confidence_score":0.009280486}]},{"text":"So it does limit a lot of people's, you know, once around borrowing inside of self managed super fund. And I can sort of understand where it came from because there has been a lot of interest around self managed super funds and putting money into property in that way.","start_word":8672,"end_word":8721,"intents":[{"intent":"Address self-funding concerns","confidence_score":0.0000061160135}]},{"text":"Do you feel like that kind of level of exposure and environment is still comfortable for you? Did you have more questions about that?","start_word":9121,"end_word":9144,"intents":[{"intent":"Address customer concerns","confidence_score":0.00034503598}]},{"text":"And power of attorney as well is really important to make sure in the event Yeah.","start_word":9465,"end_word":9480,"intents":[{"intent":"Obtain power of attorney","confidence_score":0.0082239015}]},{"text":"And, also, I'll do update referral through to the mortgage broker for you as well. So he'll contact you and have a bit of a chat about your borrowing capacity and what you're able to borrow. Awesome.","start_word":9548,"end_word":9584,"intents":[{"intent":"Update referral","confidence_score":0.2761292}]},{"text":"And how much are you paying for that on a regular a weekly basis? Is it all I think at it's the 343 a fortnight. moment? Okay. Got 3 a second. 40 Yeah. 3 per fortnight. Yeah. Beautiful. Through that. Beautiful. And is there any other assets that you need to maybe note down? Anything else of value?","start_word":9620,"end_word":9677,"intents":[{"intent":"Inquire about asset value","confidence_score":0.0037006447}]},{"text":"What kind of car do you drive? Land Cruiser 300 series.","start_word":9722,"end_word":9732,"intents":[{"intent":"Inquire about vehicle type","confidence_score":0.052879784},{"intent":"Inquire about vehicle type","confidence_score":0.043671753}]},{"text":"And how much do you pay for that out of your income on a regular basis?","start_word":9835,"end_word":9850,"intents":[{"intent":"Confirm incomes","confidence_score":0.000024790437}]},{"text":"And the last thing here is, are you putting much in the way of savings away out of your income on a weekly or fortnightly basis, or are you finding everything's kinda going into your loans? Yeah. No.","start_word":9988,"end_word":10025,"intents":[{"intent":"Clarify savings","confidence_score":0.003981333}]},{"text":"Do you know kinda what you'd like to be out of putting away on a, say, a weekly or fortnightly basis as dedicated savings? Has she Well, sort of spoken to you about what she'd like to see? we're hoping hopefully to try to put away, like, at least 500 a week. Sorry.","start_word":10109,"end_word":10161,"intents":[{"intent":"Start planning for financial plan","confidence_score":0.000001652204}]},{"text":"we just sell Beautiful. our properties and then, okay, I see we could get 300 Yep. and then we can buy it outright here. Absolutely.","start_word":10591,"end_word":10615,"intents":[{"intent":"Sell beautiful properties","confidence_score":0.05966379}]},{"text":"I'll go back and also just review your super investments and do a little an investment switch advice document for you, which we'll have in a few weeks.","start_word":10808,"end_word":10835,"intents":[{"intent":"Review super investments","confidence_score":0.08453902}]}]},"sentiments":{"segments":[{"text":"Hello. Joe speaking. Hi. It's Zena from OKIE Financial. How are you this morning?","start_word":0,"end_word":13,"sentiment":"neutral","sentiment_score":0.14219827950000763},{"text":"Oh, good. Thank you. How are you? I'm very well. Thanks so much. I had you booked in to go through you, and you reviewed you this morning. Is that still a good time there for you?","start_word":14,"end_word":50,"sentiment":"positive","sentiment_score":0.4449986815452576},{"text":"Yeah. That's Yeah.","start_word":51,"end_word":53,"sentiment":"neutral","sentiment_score":0.18046635389328003},{"text":"All good.","start_word":54,"end_word":55,"sentiment":"positive","sentiment_score":0.44841036200523376},{"text":"How's your morning been thus far? fine. It's been alright. It hasn't been full on. Pretty pretty crazy.","start_word":56,"end_word":73,"sentiment":"neutral","sentiment_score":0.1153353676199913},{"text":"Oh, that's good. That's good.","start_word":74,"end_word":78,"sentiment":"positive","sentiment_score":0.4421985149383545},{"text":"Before we jump into the call, Edgar, I normally do send through some under review documents to you. Are you able to access your emails? If you can't, that's absolutely fine. Just want to double check. Yeah. Okay. That's just in. Yep. Yeah.","start_word":79,"end_word":121,"sentiment":"neutral","sentiment_score":0.03003676049411297},{"text":"Fantastic. I'm just gonna press send on this one and send them through to you there. Should come through very, very quickly. Perfect.","start_word":122,"end_word":144,"sentiment":"positive","sentiment_score":0.42558103799819946},{"text":"So in these annual review documents, as they do come through, you will see it's the ongoing service agreement for the next twelve months to continue forward with our services there. We do also have the attachments which will entail the performance report for your hub twenty four super account and also your insurance information for your sum insured for your life and TBD cover, and we've also got your updated balances there. Okay. Okay.","start_word":145,"end_word":219,"sentiment":"neutral","sentiment_score":0.1549743115901947},{"text":"Beautiful. Hopefully, it comes through fairly quickly for you.","start_word":220,"end_word":228,"sentiment":"positive","sentiment_score":0.3518032133579254},{"text":"Before I jump in and go through it all for you there, Joe, I just need to confirm, are you okay with us recording this call moving forward? Yeah. That's fine. I'll take you the email.","start_word":229,"end_word":264,"sentiment":"neutral","sentiment_score":0.09962602704763412},{"text":"Oh, fantastic. Excellent. Excellent.","start_word":265,"end_word":268,"sentiment":"positive","sentiment_score":0.38417816162109375},{"text":"And I'll just do a quick security check there with you as well just to confirm your full name, your date of birth, and address I should have on file. Teresa Joseph, Trulonova 53 Yep. '83. And Next. what's the address? Yeah. 10 Philly Bend South Hedland.","start_word":269,"end_word":315,"sentiment":"neutral","sentiment_score":0.10694999247789384},{"text":"Beautiful. Thank you so much.","start_word":316,"end_word":320,"sentiment":"positive","sentiment_score":0.468530535697937},{"text":"Is it nice and warm down there at the moment? Awesome. Yeah. It is it's probably 18 degrees right now today. Yeah. Oh, wow. But In but where I am normally, it's around about 40. You know? Because I'm in have you ever heard of Fort Hedlund? bit different. Yeah. I have. Yeah. Yeah. So that's what I'm saying there. So yeah. But Yeah.","start_word":321,"end_word":384,"sentiment":"neutral","sentiment_score":0.0641173713374883},{"text":"it's good as Wow.","start_word":385,"end_word":388,"sentiment":"positive","sentiment_score":0.4192990064620972},{"text":"it's it's wintertime, so Yeah. not bad. Yeah.","start_word":389,"end_word":396,"sentiment":"neutral","sentiment_score":0.236392080783844},{"text":"Absolutely.","start_word":397,"end_word":397,"sentiment":"positive","sentiment_score":0.42392057180404663},{"text":"No.","start_word":398,"end_word":398,"sentiment":"neutral","sentiment_score":0.2967109680175781},{"text":"All good.","start_word":399,"end_word":400,"sentiment":"positive","sentiment_score":0.4290500283241272},{"text":"Now we'll go through and have a bit of a chat about your super, your insurances, and how everything's going goal wise for you. But is there anything else that you wanted me to sort of touch on this part of your annual review? Anything else specific that you wanted me to to ask me or have me chat about? I have asked about it before, like, just Yeah. looking at I I really I really wanna do a financial plan and also, like, I'm looking, like, would I be able to get in, like, another investment as well? Yes. Yeah. Yeah. Absolutely. That's okay. So when it comes to property advice, if you're just looking to find out whether you're able to purchase another investment or not, you'd be best to speak to a mortgage broker just because that would entail your servicing. Did you want me to maybe refer you through to one of our mortgage brokers to assess your servicing and borrowing capacity for that purchase? Yeah. I remember I I had spoken to him before, but I think I wasn't Yeah. I didn't really have enough at that time. So maybe yeah. I wouldn't mind Yeah. having Absolutely. another chat. That that may have been a couple of years ago. We do since have a different mortgage broker, so you may have spoken to Grant back in the day. Yeah. It was. Nowadays yeah. Nowadays, I have a different mortgage broker that I refer you to because Grant has unfortunately retired. He's done his life of working, and he's off to Hey. enjoy his retirement years. Yeah. Yep. So we do have a new mortgage broker, and I'll refer you to the Fabian. So Fabian is a great mortgage broker, has been around for a very long time, and he runs and owns this business himself. And Okay. he will I'll do an introductory email to you and to Fabian, and he'll be able to touch base in the next couple of days and and look at your servicing capacity, look at what you're able to borrow in regards to an investment property, and, obviously, look helping you in that way. Is that okay? That's fine. Yes. Yep.","start_word":401,"end_word":772,"sentiment":"neutral","sentiment_score":0.06266616719464461},{"text":"Yeah. Beautiful. All good. Excellent. That way, it's nice and easy.","start_word":773,"end_word":783,"sentiment":"positive","sentiment_score":0.6683428287506104},{"text":"When it comes down to financial advice and looking at investment properties, because we don't have a credit license, we can't really help out with the loan aspect. But Yep. down the track, depending on what you're looking at, financial advice does come into essentially a really good aspect of your retirement plan. So whether you're wanting to keep those properties long term and supplement your super in retirement or whether you're just gonna hold them for the next sort of ten years and possibly sell them off, cement the gain, and then maybe, you know, look at what other moving the money into other areas of investment for a time and aspects. So that's where financial advice kinda comes into play. But just getting the property and doing your servicing and borrowing, that's where a mortgage broker is gonna be a lot more valuable to you. Okay? Yep. Yep. Yep.","start_word":784,"end_word":934,"sentiment":"neutral","sentiment_score":0.17072834074497223},{"text":"Sounds Fantastic. good. Excellent.","start_word":935,"end_word":938,"sentiment":"positive","sentiment_score":0.5525023341178894},{"text":"And just while we are talking about the the property side of things, what is your goal with having those investment properties? Are you wanting to kinda keep them through retirement as an income stream, or do you think you'll plan on selling them off? What is your goal moving forward with those? Yeah. Well, this is just depends. I think I just wanna keep it as investment for at least ten years and then probably and then probably sign them off. Yeah. Yep. Yeah. Or Yeah. Perfect. or pass them on to the kids. I'm not sure. Yeah. No. That's okay. Well, it's definitely something to think about down the track, and I'll make sure that I touch base with you and sort of keep up to date with that because we definitely can factor that into your advice down the track. But, yeah, just have a think about what you want to happen out of the I know with the kids being so young, Exactly. it's it's my kids are probably the same boat. It's gonna be difficult for them to buy property without our our assistance in the future, isn't it? I've got two Crazy. older kids as well. Yeah. No. Yeah. You've got four kids total, don't you? Yeah. Yeah. So two older ones where Yeah. I know I mean, I've got two properties already, but I wanna Yeah. try another two more. So at least for my other two young boys, at least they Yeah. got something as well. Yeah. No.","start_word":939,"end_word":1194,"sentiment":"neutral","sentiment_score":0.05025122920778813},{"text":"Fantastic. Excellent. Excellent.","start_word":1195,"end_word":1197,"sentiment":"positive","sentiment_score":0.492275595664978},{"text":"Well, I'll jump in and have a little bit of a look at your super. So just to sort of touch base with the email that you've got there, when you press the sign button, it takes you through to sign the ongoing service agreement. I've But already signed with it.","start_word":1198,"end_word":1248,"sentiment":"neutral","sentiment_score":0.1467714011669159},{"text":"the you're a legend.","start_word":1249,"end_word":1252,"sentiment":"positive","sentiment_score":0.3514685332775116},{"text":"Yes. Because you've already signed that one, I'll just take you through the updated balances. So last time we did an annual review, your balance then was about 249,625. Your balance in your super now is at 320 sorry. 328,719 and 54<unk>.","start_word":1253,"end_word":1296,"sentiment":"neutral","sentiment_score":0.12661848962306976},{"text":"So you have seen some really good growth in your super.","start_word":1296,"end_word":1307,"sentiment":"positive","sentiment_score":0.5910961627960205},{"text":"When we look at it over the last twelve months, we've seen an increase of 5.57% net of fees. As a dollar figure, that's showing earnings and growth within the fund of over 21,889 for the last twelve months.","start_word":1307,"end_word":1346,"sentiment":"neutral","sentiment_score":0.2953649163246155},{"text":"So it is really good growth and a good return.","start_word":1346,"end_word":1356,"sentiment":"positive","sentiment_score":0.6914226412773132},{"text":"Admittedly, given kind of where you're at, it is a little bit lower than what we kind of of would have expected out of your sort of portfolio.","start_word":1356,"end_word":1384,"sentiment":"negative","sentiment_score":-0.35520318150520325},{"text":"That has Oh, it's had good. a little bit to do with what's been happening in the world generally between, you know, the America and and Yeah. Iran with that war Alright. this year. And then, yeah, and then here in Australia, we've also had very high inflationary rates, and high inflation tends to have an effect on fixed income and bonds and things like that as well. So it has been definitely a very up and down sort of year. The benefit is that you're not able to access super yet. You're still very young and have a lot of working life ahead of you.","start_word":1384,"end_word":1488,"sentiment":"neutral","sentiment_score":-0.0012571181924570175},{"text":"So you're able to wither through those downtime, and sort of see the advantages as your contributions keep going in and being invested into your super fund there. But, we'll get all in all to come up with a positive return of 5.57 net of fees, and it still made you over 21,000 for the year, which is a positive thing.","start_word":1489,"end_word":1549,"sentiment":"positive","sentiment_score":0.532757043838501},{"text":"Okay. Yep. Yep.","start_word":1550,"end_word":1552,"sentiment":"neutral","sentiment_score":0.22531867027282715},{"text":"Excellent. That's good. Excellent.","start_word":1553,"end_word":1556,"sentiment":"positive","sentiment_score":0.58819180727005},{"text":"Now I can also see that you are salary sacrificing a little bit there as well. Yeah. I am on a house and a car. Yeah. Yeah. Perfect. Are you wanting to look at maybe salary sacrificing more into super as well, or you just are happy with what you're doing and wanting to focus on getting properties out and building wealth outside of super? Sorry. Sorry. What was Putting that again? more money in So the super. Yeah. so what's the max I can put in? Like, how much can you put in to the 25,000 a year? No. So at the moment, the maximum concessionally, so that's employer contributions as well as additional life salary sacrifice or deductible contributions, this financial Yep. year is thirty two thousand five hundred. So can you see how much I I put in last year? Yeah. Absolutely. Let me go have a look there for you. I just logged in to Hub 24 just to pop in there and have a look. Sorry. Won't be a second. Okay. Search. So last financial year, you put 32,222. So you were just over the cap for the last year. So I don't need to put any more than that because I'm gonna get a text for it. Yeah. So what I'd be looking at doing is double checking. It looks like from the 2324 financial year, you only put 4882 into hub '24. We'd have to check whether any what kind of contributions were going into your previous year. It. But if you because of the the '20 last financial year and the financial year before that, the one ending in 2025, it looks like those two years, you exceeded your cap in both the years. As long as yeah. So as long as you have some carry forward contributions from, say, the last five years, the carry forward is any unused concessional cap from the last or previous five years. Looking at your balance, you're within range to be allowed to access those sorts of things. Your balance has to be under 5,000 100,000 as that June 30 of financial year prior. So long as you've got some carry forward left over from the last previous five financial years, that should offset the extra that you've put into the super fund. However, it just depends on what you have there. You can check your myGov account, and it will determine whether you have any leftover cap space from the previous five financial years. If you haven't, because last year you exceeded the cap, they essentially do make you pay extra tax for that. So they use the highest marginal tax rate with a 15% offset, and that all gets done as part of your tax return. So you if you've got a chance to check your MyGov account, just have a look to see whether you've got some carry forward concessional contributions available to you. If Can you do, you can it shouldn't you be help a me problem. out on that? I can't I can't get into your myGov account, unfortunately. No. I mean, I can like send yes. no. No. Like, I mean, I'm on my mind right now. So, like, do you know how to Yeah. get to that? But but Oh, so. absolutely. Yeah. Definitely. Sorry. Okay. No. That's okay. Absolutely. So when you're in your MyGov account there, you should be able to go to your linked services and click on the ATO. Okay. So that's all. That's Yeah. all this time. That's Services. okay. So the services and Yep. The ATO. Yep. no. I think I did see it. Yeah. It's 1,900 couple That's months okay. ago, I think. So from services, you click on the one that says ATO. And then from Yep. there, when it loads mine's still loading. I always do this with you because it's easier Yeah.","start_word":1557,"end_word":2210,"sentiment":"neutral","sentiment_score":-0.001719896462304512},{"text":"Oh, to that's go through. awesome.","start_word":2211,"end_word":2216,"sentiment":"positive","sentiment_score":0.5143440365791321},{"text":"Yep. And then The you go mobile's to your still loading. menu at yeah. The menu at the very top one that opens, and let me know when that Okay. is. Yep. It's menu. Yep. Yep. And then go And press we on the super super. Yep. and then information. Information. Yep. And then you've got an option that says carry forward concessional contributions. Alright. Just clicking on that now. Yep. Okay. Now Yep.","start_word":2217,"end_word":2290,"sentiment":"neutral","sentiment_score":0.05579126626253128},{"text":"It says that. beautiful.","start_word":2291,"end_word":2294,"sentiment":"positive","sentiment_score":0.4996581971645355},{"text":"So then I'm gonna after if you scroll down a little bit, you'll see it says unused concessional contributions available Yep. to carry forward. Yeah? You should have a balance in there, and it should tell you in a green box if you're eligible or not. It says I'm eligible for Mhmm. $6,406.63. Okay. So that's telling you how much you have carried forward from the last five years that you're able to contribute into super over and above the current contributions cap. So you've just gotta be really careful that if you do exceed the cap that you have this amount or these sorts of funds eligible to you. Once your super balance hit, say, as an example, if as 06/30/2027, your super balance goes over that $500,000 mark, then the following financial year, you won't be eligible to use these carry forward contributions. So it's just important Yep. when you are adding extra money to super that you are just making sure you stay under the cap. If you think you're gonna go over the cap, then just making sure you have carry forward concessional contributions eligible to you. What I'm gonna do moving forward as well is I'm gonna make sure we do a catch up every sort of six Yep. months. That way, I can check your contributions for you. And if I think you're getting close to the cap, we can just go back in and double check the eligible amount for you. Is that okay? Yep. So what should I do then? Just leave it as it is for now? Or what Yeah. what do Well, I do? you can't can't take the money out of sleep anymore. It's already in there. So currently, we just have to wait for you to do your tax return. When you do your tax return, they will it it'll show eligibility, and, essentially, the ATO does it automatically. So what happens is Yes. when your contributions at the end of the year get reported to the ATO, they report exactly. So they'll say you've made that 32,800 of contributions. The ATO Yep. then go, well, your cap last year was 30,000. However, that $2.08 that 2,800, if you had carry forward, and they'll go back to check that you had eligible carry forward amounts, and they'll subtract that from the the earliest financial year available to you. So you don't have to do anything.","start_word":2295,"end_word":2701,"sentiment":"neutral","sentiment_score":0.05634318879766605},{"text":"Just do your tax return as normal moving forward. And you if you're fine to keep your contributions going the way you want to if you like, I would just be wanting to make sure we catch up with you every six months and double check how your contributions are going.","start_word":2702,"end_word":2752,"sentiment":"positive","sentiment_score":0.36674559116363525},{"text":"If you are close to the cap, we might have to stop those extra going in. Okay. K? Because I'm Yeah. putting in I'm putting in a 100 a week. So 100 per 200 week. Yep. 200 per pay. So that's fortnightly. Yep. That's what I've been contributing.","start_word":2753,"end_word":2800,"sentiment":"neutral","sentiment_score":0.03525283932685852},{"text":"All good.","start_word":2801,"end_word":2802,"sentiment":"positive","sentiment_score":0.4380209445953369},{"text":"And your income, I've got you down on about 215,800 per annum. Is that about right, income wise? Well, last this phone tree, I mean, just gone. I made I think I made about $2.50, $2.52. Okay. So you're on 250,000. The other thing to be mindful is if your your employer your wage plus your super contributions exceeds that $250,000 on a yearly basis, you're also then expected to pay an additional tax. So inside super, you pay 15% tax on contributions that are to put in there. If your, gross income and your income earned from your employer plus your super contributions exceeds that 250,000, any exceeds that 250,000. Any super contributions and income over that $250,000 is actually taxed at a at an extra 15%. So just double Hello? check with your accountant when you do your tax return what your income looks like and whether this year you might be having to pay that additional tax. Okay? If they do yeah. If that if that does come through and you do have to pay that additional tax, it's on income and contributions over the 250,000. So I don't know whether you'll have to pay it on currently or not. Just check with your account, and they'll be able to confirm what that looks like. If you do get a letter from the ATO stating that you do have to pay that additional taxes, $2.09 3 tax, you can Yep. elect to have it deducted out of your super funds. So it's not money you'll have to pay out of Okay. pocket if you don't wish to. You can That's elect alright. on the form just to have it deducted from super. The ATO will then have that extra funds deducted from your super fund for you. It's just a matter of the money obviously comes out of super, is paid to the ATO, Yep. and that money is no longer invested for your future. So as long as you're aware that you're comfortable with that, you do are able to elect it that way. But Okay. I would probably suggest go and speak to your accountant, do your tax return, have them look at all your income and everything, and find out whether that's if two nine three tax is gonna be applicable. And then, you know, have a look at whether your contributions for this next year are gonna exceed the cap. Just making sure that we're not gonna go over that in any way. Okay? Okay. Does that Sounds make good. sense? Yeah. Yeah. It does. Yeah. It does. There's a lot So too.","start_word":2803,"end_word":3242,"sentiment":"neutral","sentiment_score":0.001930060948837887},{"text":"It really is a great thing to yeah.","start_word":3243,"end_word":3250,"sentiment":"positive","sentiment_score":0.4724752008914947},{"text":"earn There more is money. there is a lot. And so so so really, I suggest just stick to what I'm doing now, then just leave it as it is. Yeah. Yeah. And we'll just double check things. So Six with months. your income yeah. Six months. Absolutely. So with your income, do you feel, like, this year, you should go over that 250,000? Do you think like, what is your actual base income? Well, my base income. Right. Yeah. I was I reckon I heard it again this year. You you reckon you'll go over that $250,000? Yeah. I reckon I might. Yep. Yep. Okay. So I'm just having a look at contributions. Now your employer, did they just pay normal 12% contributions? Do you get anything like, paid anything additional on top of that aside from the salary sacrifice? Sorry. Can you say that again? So your employer, they're only paying that 12%. You're not paying you, like, 15% employment contributions or anything fun? Yeah. Yeah. Doing that as well. So Yep. I'm paying 12%, but then I pay the I think I pay extra 2%, and then Yep. they do the extra 1.5 or something. Yeah. Yep. That's absolutely fine. So if I sort of look at this, $100 per week salary sacrifice at the moment. Nope. Based on an income of 250,000 with 12% employer contributions plus a $100 per week in employer contributions, the expected total contributions for this financial year would be 35,200. Oh, So that so we're does I have put a you over the cap. Yeah. Based on 250,000, if you were to maximize the salary sacrifice, it's basically telling me that you Yeah. realistically couldn't put more than $48.08 on a weekly basis into super. So Hello? you've got the Yeah. option. I'm at You the hospital. can reduce yeah. So you can look to reduce your salary sacrifice back a little bit to try and keep you under the cap. There is another way of doing it. If you wanted to look at reducing that salary sacrifice back or even stop it for the time then you could, that extra bit of money you could always put away into a savings account, and you can do a lump sum deductible Yeah. contribution Yeah. at the end of the financial year as well. And that deductible contribution works as a bit of a tax deduction for you. So that's Oh, another yeah? option to sort of look at. Maybe have a chat to your accountant about the salary sacrifice and the deductible contribution, see if they can kind of model your tax return for the next financial year based on everything you've given them, and just sort of see what they say about, you know, which way might be better tax wise for you. Okay. So so what you're saying is, like, the way it's looking, if I'm if I am gonna get $2.50, I'll be paying 35 k, which is free 3,000 over. So would they Yeah. text me just on 3,000? So the total div $2.09 3 expectation based on your if we go on $100 per week, the s and this is just an estimate. It could be actual could be absolutely different. But the expected div two nine three tax on with your current $2.50 of income plus the $100 per week of salary sacrifice and your employer contributions, from what I can see, they're estimating the DIV two nine three tax at the end of the year to be about $4,000 that you would have to pay extra tax off. Wow. So I think it might be better if I do have a dinner. Yeah. Yeah. We could have it back. Just keep it down to the the cap. At the end of the financial year, we could have a look at what you've got available to your carry forward contributions, look at whether you have any additional money there, and look at making a one off deductible contribution Yep. Okay. But, yeah, from what I can see, looking at things, the maximum salary sacrifice to keep you under the cap would be about $48 per week. Oh, okay. That's Oh, based yeah. on your I'll income. I'll yeah. Yeah. I reckon I will I reckon Yeah. I will have $2.50 this year again. So I better yeah. I'll I'll I'll I'll change that with HR. Yeah. Yeah. Yeah.","start_word":3251,"end_word":3993,"sentiment":"neutral","sentiment_score":0.022145132071678283},{"text":"Beautiful. It's a good thing.","start_word":3994,"end_word":3998,"sentiment":"positive","sentiment_score":0.665615975856781},{"text":"Look.","start_word":3999,"end_word":3999,"sentiment":"neutral","sentiment_score":0.21815788745880127},{"text":"You're earning a lot of I extra money, and that's fantastic, but it does know.","start_word":4000,"end_word":4014,"sentiment":"positive","sentiment_score":0.4621882438659668},{"text":"come with extra tax as well. So just making sure that we Okay. you don't wanna pay more than your fair share. No. That's right. That's right. I don't wanna lose out of 4,000 a year. Yeah. Yeah. Absolutely. No. Definitely. But do have a chat to your accountant where you do tax return and ask them about the DIV two nine three tax, and they'll be able to let you know whether you have to pay that based on the last year or not. Okay? These these have a text account? We do have if you would like us to refer you through to one, absolutely. Did you want us But to refer you through to an accountant for will will that be part of my well, like, what I get, or do I have to pay for it? the accountant services are completely separate. They will charge you for your personal tax return separately. However, Yep. when you get an accountant to do your tax return, they do the amount you pay for the next financial year is tax deductible for you. Yeah. Yeah. Yeah. That's right. Yeah. No. That's okay. I'm Yeah. I'm I am seeing a account turn in two weeks time anyway, Yes. so that's fine.","start_word":4015,"end_word":4225,"sentiment":"neutral","sentiment_score":0.010357611812651156},{"text":"Beautiful. Beautiful.","start_word":4226,"end_word":4227,"sentiment":"positive","sentiment_score":0.5523679852485657},{"text":"Well, let me know if you do happen to have any questions there. If you want, I could always send you a bit of an email after the call, just a bit of a recap on things that you could definitely ask them to check for you. Okay? Yes, please. Yes, please. If you Yep.","start_word":4228,"end_word":4282,"sentiment":"neutral","sentiment_score":0.12352878600358964},{"text":"could that'll be great. Fantastic. Easy. So, look, it's really good to see your sleep is growing definitely. Obviously, income's going really nicely as well.","start_word":4283,"end_word":4307,"sentiment":"positive","sentiment_score":0.4189770817756653},{"text":"You've got your contribution, your extra salary sacrifice at a $100 per week, and you are gonna look to reduce that for this year as well, Yeah. I'll just it's about 45, I think. Yeah. Just be on aren't you? '40 fifth. five? I see. Yeah. Yeah. Absolutely. Absolutely. And I'll make sure that we do catch ups with you, each six months so I can check what your contributions are going in. I'll put that in my calendar so my team will give you a call, in six months ago. Hey. Time for a bit of a catch up there, Joe. Let's see how your contributions are going, and we can just Yep. make sure that you you this is all going in quite well and that you're not so far exceeding the cap. Okay?","start_word":4308,"end_word":4443,"sentiment":"neutral","sentiment_score":0.12728986439897733},{"text":"Okay. Excellent. Beautiful.","start_word":4444,"end_word":4446,"sentiment":"positive","sentiment_score":0.6185972094535828},{"text":"The other thing to sort of look at is your insurances. So you do have your towel policy with your life and TBD. In the event of passing away, your life cover, your sum insured, 750,000, and then, obviously, you've got your super paid out on top of that, which is the $3.28. So if I just sort of work it out together and it just sort of shows if in the event you would have passed away now, your beneficiaries are eligible for the sum insured of a million and 78. Do you feel that's fairly appropriate for the life cover? Did you wanna look at reviewing that at all? Do I need to remove it? I'll take this. Isn't it? That should It's be alright. up to you. Yeah. It depends on what you wanna have covered. Like, thinking about your scenario now, if you would have passed away now, where would that million dollars go to, and what would you want them to cover with Yes, sir. I know I know I know my my wife and the kids will be okay because then they we still got two properties. that? Absolutely. And and then, like, there's there's still there's still a lot of, like, equity in both in the meanwhile. Yeah. So I Well, think I with think with I think the I two should be alright. perfect. With the two investment properties you've got there, the first one I'm sorry. I don't have suburbs written down. The first one I had here was valued at 700,000. Do you know which property you would value at roughly that? So that's 200,000 is probably worth probably, like, $9.50 now. $9.50. And what suburb is that property in? Butler WA. Butler, WA.","start_word":4447,"end_word":4740,"sentiment":"neutral","sentiment_score":0.029681244662322966},{"text":"Beautiful. Just so I can tell them apart for you. Excellent.","start_word":4741,"end_word":4751,"sentiment":"positive","sentiment_score":0.5056129693984985},{"text":"And the mortgage on that property was about 380,000. Has that kind of reduced, or is that in in interest only? No. So I've got, I suppose, principal and interest in Yep. right now. I can give you a second. Because I I did I did I did take money out of that to buy another property. I Okay. don't know if I was I don't know if I was expecting about that. That's the Can second you sec one can I you would have here. Yeah. I have a secondary yeah. one. The value of the secondary property was at 550,000. Would that have been the one that you took Yeah. the funds So out it's for? about it's Yep. about $6.50 now. It's about $6.50 Oh, beautiful. now. And what suburb is that one in? So that's in South Hedland where I'm at. South Pleasant. Beautiful. So that one that first one is worth, like, $9.20 is it's 374 owing Yep. on that one. And then Beautiful. that and then that $6.50, that one's 340 owing. 340,000. Fantastic. And the income was are these properties positive or negatively geared? Yeah. So that that that first one was $9.20, we're getting $6.80 for that. 6 Yep. 80 a week for that. And the actual mortgage on that is right now what is it? Sorry. Just just loading. I think You're it's about just just on the the $15.37 right. months for that one. 37 per Oh, sorry. month. Sorry. Beautiful. A fortnightly fortnightly. $15.37 per Oh, fortnight. wait. Fantastic. Let let me have a sorry. July 6. That's okay. Yeah. Yeah. Four nightly fortnightly. $15.37 fortnightly. And Beautiful. the other one is so like I said, that's getting $6.80 a week. Yep. And and this time and this other one is $12.12 12 a fortnight. And and I'm and I'm getting 1,400 a week for that. So 1,400 per week rent for that property. And how much was the loan, I'm so sorry, that you're paying back per fortnight? So that one is $12.12 $1,216.09. Yes.","start_word":4752,"end_word":5098,"sentiment":"neutral","sentiment_score":0.008247394856167501},{"text":"Perfect.","start_word":5099,"end_word":5099,"sentiment":"positive","sentiment_score":0.33502325415611267},{"text":"Twelve twelve And that's and that's 14 per hundred weeks. So that one's positive gearing. So The I other think one's that negative. Yeah. that's negative. Yeah. But Yeah. the the Yeah. one Definitely. that's positive gearing, that's 100% under my wife's name. Okay. Perfect. So this one the second one is a 100% under your wife's name, and the first one was under your name. The one in Butler's under your name. No. That part load is fifty fifty. Oh, fifty fifty.","start_word":5100,"end_word":5182,"sentiment":"neutral","sentiment_score":0.034264493733644485},{"text":"Beautiful. 50% owned. Fantastic. Excellent. And wanting to get one more property there as well.","start_word":5183,"end_word":5197,"sentiment":"positive","sentiment_score":0.4726623594760895},{"text":"And I'll do the referral through to the mortgage broker. Essentially, in order Yep. to refer you through there, I'll just need to be able to provide them with your name, your phone number, possibly an email, and a time that they can give you a call. When generally best suits the mortgage where they give you a call and have a chat about servicing? Is there a day and time that suits you better, Jo? Anytime is fun. Anytime he can come Anytime? in and talk to you. Yep.","start_word":5198,"end_word":5287,"sentiment":"neutral","sentiment_score":0.1112905889749527},{"text":"Beautiful. Fantastic. So with your life cover, you're fairly happy with the $7.50 sum insured plus your super benefit.","start_word":5288,"end_word":5306,"sentiment":"positive","sentiment_score":0.4413441717624664},{"text":"With TBD, you have the same level of cover. So in the event that you were totally permanently disabled, Yes. not able to get back to work again, the sum insured 750,000, we can again claim permanent incapacity against your super. Are you fairly comfortable with that? Did you wanna look at maybe increasing or altering that cover for TBD, or do you have any questions about how TB, total permanent disability, works? Yeah. Yeah. I understand all that. So Yep. what I was gonna say is Yeah. what's you know how that first one you said is is on 700 and you said if I if I wanna make a make a more, Yes. but how much am I paying now for, like, coming So up? for your life and TPD at the moment, the the total paid from was $2,283.83 this year. So these policies do get more and more expensive as you get older. It does mean that more money is deducted Yeah. Yeah. from your super for the premium. So if you did wanna increase that, it absolutely does increase the cost of the level of cover. However, it's just making sure that you have the level of protection that meets your goal as well. Yeah. So if I want to increase that to a million, what would that be? I can jump in I'll see if I can get into the portal and have a look for you. Worst case, I could always get an updated quote and email it through to you afterwards. But let me see if I can jump in because giving you a live quote would be easier on your Yes, sir. self. That's okay. And just while this is, like, logging in there, Joe, as well, now you don't have any, like, income protection or anything like that. In the event that you were unable to go to work, I know you've got your investment property income and things, but are you fairly comfortable knowing you wouldn't have any income protection to fall back on? You would have to, you know, rely on savings, you know, your wife's income if she works, you know, any income from the investment properties that support you. Sorry. I don't I don't understand what you So income protection pays out a monthly benefit in the event that you're unable to go to work in the short term. mean. So Yeah. as Yeah. an example, Oh, so sorry. say, you were sick. Yeah. You don't Yeah. have any income protection to fall back on. It's something you didn't wanna look at in the past, but just wanting to sort of work out. Are you still comfortable with that? Are you wanting to look at income protection now? So So what what what would it cost for income protection? I can give you update if you like. Have a look at that for you. Let's do a quote. Sorry. I'm still just logging in to the portal. Won't be a second. It's just gonna do two factor authentications. Okay. So I've got your policy here. I'm just gonna pop in and do a quick live quote for you. New quote. Yep. Okay. So you said you wanted to look at, as an example, increasing your life and TBD to a million dollars? Oh, so so so so so so so so life insurance, I've got 700 and CPD, I've got 700, don't Correct. Yeah. And with life and TBD, your super balance is also paid out. We can claim against your super when you pass away, and that gets paid to your beneficiaries. So I? with Yeah. the 750 of life plus your current super balance, that gives you a million and 78 of life cover. With CBD, it gives you the same level. But if you were to claim CBD, unfortunately, it is a taxable payment. So if you claimed CBD and had the full million and 78 paid out as a lump sum, the government Yep. does tax it. It's up to 22%. So based on that, the estimated tax on a million and 78 would be 237 Yeah. thousand. So that's That that's that would a logo, dude. leave yes. So, I mean, realistically, if you were to claim TBD, we would provide advice on, you know, how best to use the funds. That way we can limit the tax if possible, and also, you know, keep money invested as whole years. Yeah. But, yeah, if you were to look at so I'm just sort of looking at the increase. Increase. A million. It doesn't like my inputting information. So a million dollars of life and TBD. And then did you want me to quote giving you income protection as well? Yes. Yes? Beautiful. So based on income of, say, 250,000, would that be right, the income protection? Yep. Yep.","start_word":5307,"end_word":6123,"sentiment":"neutral","sentiment_score":-0.0183136053292156},{"text":"Perfect.","start_word":6124,"end_word":6124,"sentiment":"positive","sentiment_score":0.3968644142150879},{"text":"Okay. So the $2.50. We can increase that by And adding new transaction. Alright. So income protection based on 250,000 gives us a monthly benefit of $14,005.83. So adding that, with income protection, do you think you'd wanna have the lowest waiting period? So that's the time that you would have to be off work in order to make a claim. So you'd have to be off work and unable to work for, say, thirty days, sixty days, or ninety days. What sort of waiting period do you think you'd want? So the longer you wait, the cheaper will The be, longer will it? it Or takes. Yeah. But the longer it does take to get the payment to get the claim. yeah. I think it will be three months. Yep. So sixty days would be preferable. Yep. Let's see what they offer.","start_word":6125,"end_word":6267,"sentiment":"neutral","sentiment_score":0.012730503617623052},{"text":"Beautiful. Excellent.","start_word":6268,"end_word":6269,"sentiment":"positive","sentiment_score":0.6589421033859253},{"text":"And they have a benefit period as well, which is how long you can be on a claim for. Benefit periods are two years, five years, or up to age 65. The longer the benefit period, the more expensive the premiums are gonna be. Do you think you would realistically just need, you know, a, you know, a a two year benefit period, or do you would would you wanna go a bit longer? What do you think would be appropriate? Well, if you see the longer the work, the more the pay pay is probably the faster. Yeah. So you reckon two years or five years? So you mean getting paid for two years? Is that what you mean? Yeah. So it's like if you had a car accident and broke your back and you couldn't go back to work and you were on an income protection Yes. claim, you can be on a claim for up to two years. At that two year mark, if you still can't go back to work, the claim stops regardless. Yeah. Yeah. Yeah. So, yeah, it should be alright. Two years would be fine?","start_word":6270,"end_word":6461,"sentiment":"neutral","sentiment_score":0.0127620967105031},{"text":"Beautiful.","start_word":6462,"end_word":6462,"sentiment":"positive","sentiment_score":0.3784956634044647},{"text":"Yes. Alright. So it's estimating the yearly premium to be about $8,900 to to add income protection and increase your life and TPD to a million dollars. And if you take out income protection, what would that be? That's that's included in the 8,982. It's estimating the total premium for income protection as well as the increase. If you just kept your life and TPD as it was and did not increase it, but you did take out the income protection, I'm just deleting those from the quote. The income protection alone. Yep. Sorry. It's just loading. Won't be Oh a second. Unless, obviously, you can change it and drop it this address. The income protection alone is, again, about $8,000. It's pretty expensive, the income protection Yeah. component for you. Yeah. No. I I won't take the competition in That's okay. You're happy just with the cover you have now, just leaving it as is for the there. Yeah. So but then for for, like, just t what was the other one? time What was it? T p being? d what was the other Yep. one? Life insurance. The the life insurance and TBD. So so can I just so if I just increase life insurance to a million, what Mhmm. would what would what would that be then just for that? Let's have a look. I'll just delete this TBD off here. Two seconds. It's gonna go back into it just because it's a a little bit loading. So if we just look at increasing the life of TBD, that's your current life, current GST. And three. Sorry. Can you hear that wind or that's okay? Yay. You're fine. You're absolutely fine. Okay. So if you just look to increase the life in TPD, the extra premium I'll just have to add this up because it's kind of subtracted it all back. Okay. $4.00 2. It's bringing the total premium for the discount to about 3,500 per year. Yeah. Right now, you paid 2,283, which does increase. But with the level of cover you have at the moment, you've got your life and TBD with the sum insured of 750,000. And then with your current super balance, that does push you over that thousand dollar, dollar sorry, Okay. million dollar mark of some insured. So Yeah. Your super balance is added on. Yeah. so so if I if I put it like if we make it a million and then it's gonna be 1.3 now, Yeah. Correct. Yeah. so so does that mean I have to pay extra tax or something?","start_word":6463,"end_word":6895,"sentiment":"neutral","sentiment_score":0.00650526220989833},{"text":"No. No.","start_word":6896,"end_word":6897,"sentiment":"negative","sentiment_score":-0.3796524703502655},{"text":"So that's you don't pay the the extra tax on your on the life cover or your super balance. That's paid out to your beneficiary if you would have passed away. But Yes. if you, yeah, were t p d and you took, say, the $1,300,000 out as a lump sum, and once you claimed on that, then absolutely there is up to 22% tax on that lump sum payout. If I take it out of the livestock, but if you if I take it out, there's, like, money coming If we per leave week. it in there, yeah, if we leave it in there and draw it out in smaller regular increments Yep.","start_word":6898,"end_word":7011,"sentiment":"neutral","sentiment_score":0.07672704756259918},{"text":"in the way of a disability benefit, that can sort of reduce the the tax side of things a little bit. It also keeps money invested, so it lasts you longer as well. So if you were to be TBD, we would provide the advice to help you along with that.","start_word":7012,"end_word":7062,"sentiment":"positive","sentiment_score":0.44767525792121887},{"text":"It's also important to note that with these power policies, they do go through a renewal every year. So every year, the policy does increase a little bit. So if you think back to your last annual review Yep. Oh. It says here it was the same amount, so yours doesn't seem increase much. They normally increase along with indexation, but it looks like yours stays exactly the same. But these policies do get more and more expensive as you get older. So you'll pay 2 Yeah. thousand 200 now for the premium in, say, another 3 or 4 years, you could be paying over 3,000 Yeah. dollars Three for thousand. the same Yep. yeah. But it Because all it but does it get all more it all expensive. just comes it all just comes out of my super anyway, doesn't it? That's correct. Yeah. But you don't Yeah.","start_word":7063,"end_word":7211,"sentiment":"neutral","sentiment_score":-0.0064491042867302895},{"text":"want it to sort of eat away your super.","start_word":7212,"end_word":7220,"sentiment":"negative","sentiment_score":-0.5770955085754395},{"text":"So you wanna make sure your super is growing and that you're getting the returns to cover the insurance premiums, but also provide, you know, a bit more growth for longevity as well.","start_word":7221,"end_word":7253,"sentiment":"positive","sentiment_score":0.35221990942955017},{"text":"Because a lot of people, when they get into their, you know, fifties, their insurance premiums can be anywhere between 15 to $20,000 a year. So at that age, those insurance premiums get very expensive. Woah. Yeah. So so you reckon I should do a million dollars then? Because, like, I It's mean, up to you. It's absolutely it's only up it's you. Do it's you want me it's gonna to send cost extra 1,300, isn't it is. it? Almost 500. It is. Yeah. Yeah. I'll send you a recap email after the call if you like. That way, you can have a think about what it is that you're after. There is obviously a risk involved that if you do increase your insurance policy, you'll to go back to an application for the increased amount. So Oh, if there the are one. any changes Oh, okay. to your health, if you've had, you know, back pain or any other issues, since we put that first policy into force, there could be explosions or loadings that make the policy more expensive than expected. Yeah. So it is about going through a new application as well. But if it's something that meets your goal that you're actually wanting to do, we can definitely look at helping you out in doing that for you. That's okay. Okay. If you like, I'll put a little recap in the email there for you. That way, you can mull it over. And if you decide you wanna go ahead and look at increasing it, just let me know, and we can talk about that in more detail. How does that sound? Yep.","start_word":7254,"end_word":7530,"sentiment":"neutral","sentiment_score":-0.03264981135725975},{"text":"Beautiful. All good.","start_word":7531,"end_word":7533,"sentiment":"positive","sentiment_score":0.38992825150489807},{"text":"Now the only other type of insurance I have to go through with you is called trauma. You don't have any trauma. So trauma pays out a lump sum benefit in the event that you're diagnosed or have, say, a heart attack, cancer, Parkinson's, other neurological disorders like MS. It's major traumatic diagnosis thing. You have to Yes. pay trauma out of your back pocket, so not everyone wants to. And you can also get child trauma policies to cover your kids in the event of them getting, you know, diagnoses like cancer. Did you wanna look at getting any additional cover for trauma or child trauma out of your back pocket, or you're happy just to leave this as it is for the moment? Yeah.","start_word":7534,"end_word":7659,"sentiment":"neutral","sentiment_score":-0.04420114805301031},{"text":"I'm happy to do that as it is. Yep. Beautiful.","start_word":7660,"end_word":7669,"sentiment":"positive","sentiment_score":0.551103949546814},{"text":"What I'll do, Jo, because we did go through a lot with the insurance, there's a lot a lot kinda covered. I'll add a little recap into the email for you Yep. just Yep. so you can take that back. Have a bit of a look at what we've gone through the things we've discussed. And if you have additional questions or wanna come back and revisit any of it, you can let me Okay. know. Okay? Beautiful. Combias insurances are very complex, aren't they? Yeah. Yeah. But it's good luck, you know, that you broke it all down for me. Now I fully understand it. So yeah. No. Thanks. Yeah. That's okay. Now with your super, I can see having a look at your investments, there's one that is underperforming a little bit at the moment. We have a couple of options. I can look to go back and do some advice and maybe review your super and the the way it's invested, maybe look at a newer portfolio that might be cheaper, better for you, you know, working harder towards your goals, or we can just hold it off for six months and reevaluate it then. What would you like to do? I reckon if that one's not a performing year, I'll I'll definitely like to have a a review on it. Get rid of it? Yeah. Absolutely. Yeah. I've got some other options that I can look at. I just wanna Yep. run through a real quick risk profile with you just to sorta gauge whether your risk tolerance has changed at all. The first one here is just looking at do you you do you have any shares of cryptocurrency or anything in your own name? Have you ever Okay. No. invested in any shares before? No. No. Absolutely.","start_word":7670,"end_word":7972,"sentiment":"neutral","sentiment_score":0.0011686163358144437},{"text":"Beautiful.","start_word":7973,"end_word":7973,"sentiment":"positive","sentiment_score":0.5138368606567383},{"text":"With your goal age for accessing super, I know originally we were sort of looking at between, sorry, I believe 60 to 65 mark. Are you Yep. sort of wanting to keep at the same age, or are you Yeah. feeling you'd like to try and access super at the earliest possible possible opportunity? What is the here list you can access on? 60 if you retire? Yeah. I can see. I'll keep Yeah. it as as it is. Yep. Absolutely. Now the next question here is about how you feel about risk. So when you think about your super, do you feel comfortable taking on a higher level of risk to try and get greater returns to make your super work harder? Do you feel like you're comfortable taking on a moderate or medium amount of risk to get the best returns you can, or are you concerned about the ups and downs in the market and not wanting to take on any risk and understand the returns are lower because of that? Sorry. I'm just a huddle. Yeah. I am a I am a guy that takes risks. Yeah. Yeah. Do you But think you'd be yeah. in between one and two? Yeah. Definitely. Yep.","start_word":7974,"end_word":8180,"sentiment":"neutral","sentiment_score":-0.0337049663066864},{"text":"Beautiful.","start_word":8181,"end_word":8181,"sentiment":"positive","sentiment_score":0.4727823734283447},{"text":"Yep.","start_word":8182,"end_word":8182,"sentiment":"neutral","sentiment_score":0.28818032145500183},{"text":"Excellent.","start_word":8183,"end_word":8183,"sentiment":"positive","sentiment_score":0.5641393065452576},{"text":"The next one here, it says, if you saw your super full by, say, 20% in the next six to twelve months, how do you think you might be feeling? This is due Oh, to this extra yeah. market factors. Yes. If the O chart was still tweeting and we still had this war going in the next twelve months and the market took a bigger dip because of what was going on globally, do you think you'd be feeling concerned? And if you Yeah. wanted to call us see what's happening, see what we can do to sort of help you out, would you be a bit scared wanting to take money out, or do you think it's a buying opportunity?","start_word":8184,"end_word":8305,"sentiment":"neutral","sentiment_score":-0.06742444634437561},{"text":"You're not retiring for the next ten to twenty years, and you might wanna put some money in and take advantage of I mean, if I've seen a if I saw a drop in the in the last year, in the next year, I'll I'll definitely be concerned.","start_word":8306,"end_word":8353,"sentiment":"negative","sentiment_score":-0.3635198473930359},{"text":"it. Yeah. Yeah.","start_word":8354,"end_word":8356,"sentiment":"neutral","sentiment_score":-0.16460174322128296},{"text":"But I'll probably just I won't take that high risk anymore if it's getting higher.","start_word":8357,"end_word":8371,"sentiment":"negative","sentiment_score":-0.4640691578388214},{"text":"Mhmm. I'll just Yep. put it back to where it is now. Yeah. That's okay. Not a problem at all. The next one here is asking, have you ever considered borrowing from a bank or financial institution in order to invest in, say, shares or manage funds, or do No.","start_word":8372,"end_word":8421,"sentiment":"neutral","sentiment_score":0.027196049690246586},{"text":"you feel like that's a bit too risky?","start_word":8422,"end_word":8429,"sentiment":"negative","sentiment_score":-0.4424129128456116},{"text":"You're just comfortable borrowing to invest in property? Yeah. I wouldn't do that. No. But I was I was looking at stuff manners, paper. Yep. But Yep. yeah. That's another thing I'm looking into. But yeah. What was I the just main main reason the main for reason wanting to the look main into reason that? for that is that I'll I'll rather use all that sticker to pull it up to buy another investment. Yeah. So the biggest thing I should probably let you know is the rules have now changed the self Yeah. managed super funds. I heard about So, that. I heard about that. yeah, Yeah. they no longer allow you to borrow for, like, the type of loans that they have inside those trust accounts. It's called a limited recourse borrowing scheme or arrangement. We can't do that for residential properties anymore as No. of the August 10, which August. basically Yep. means two weeks. Yeah. So the only real way to be able to do that is to either have all the funds, enough money to go in and buy a residential property outright, or Now what? utilizing Yeah. that borrowing scheme for commercial property. Commercial property does definitely have its own level of risks, and Yeah. commercial Yeah. property can be That's right. That's right. rented for long periods of time. So there are a lot of different changes that have come into play here. So it does limit a lot of people's, you know, once around borrowing inside of self managed super fund. And I can sort of understand where it came from because there has been a lot of interest around self managed super funds and putting money into property in that way. But a lot of people with lower balances have also been doing it. They don't find they get a lot of additional growth or someone in their forties like you and I who wants to, you know, buy a property. We don't really wanna have to work for the next thirty odd years. We hope to retire at 60. But, you know, having a thirty year loan means we might have to work till 70 if we can't pay it down quicker. So, there is a lot of risk involved Yeah. with doing Yeah. something like that. It is still a possibility. It's just the type of property and the type of borrowing capacity within those super funds is no longer available for residential. Down the track, if you end up with we get you a million dollars in super and you wanna sort of transition in and buy a property outright, absolutely fine. We can help you with that if it's appropriate to your goals.","start_word":8430,"end_word":8886,"sentiment":"neutral","sentiment_score":-0.08154307053112618},{"text":"But the benefit to having the way your super is at the moment is that you can hold listed assets, listed property, and still be growing your super and keep it in this sort of environment.","start_word":8887,"end_word":8922,"sentiment":"positive","sentiment_score":0.4568929076194763},{"text":"It's not an industry fund. It's a little bit more, you know, more of a a retail fund, but you get access to investments to be able to grow and alter your super and keep it working harder for you in the you know?","start_word":8923,"end_word":8966,"sentiment":"neutral","sentiment_score":0.22280186414718628},{"text":"So there are some good benefits to the way your super is structured now as well.","start_word":8967,"end_word":8982,"sentiment":"positive","sentiment_score":0.47337958216667175},{"text":"Yeah. Okay. Alright. Yeah.","start_word":8983,"end_word":8986,"sentiment":"neutral","sentiment_score":0.24729156494140625},{"text":"All good. Beautiful.","start_word":8987,"end_word":8989,"sentiment":"positive","sentiment_score":0.5629454851150513},{"text":"Now with that risk profile questionnaire, you have essentially scored and you are in a growth portfolio at the moment. So it sees about 80% in those growth in assets. So think about things like Australian shares, international shares, listed property, and also commodities like gold and silver, and then a small component about 20% in low risk defensive investments, things like cash, bonds, and fixed interest. For your age and stage, this generally suits where you are. That growth environment suits someone who has at least six years before accessing their funds. It also generally is expected to see a negative return, say, one in about every five odd years, and you're looking to try and obtain a return of around seven to 9% compound on a yearly basis there. Do you feel like that kind of level of exposure and environment is still comfortable for you? Did you have more questions about that? So what you're saying is what I'm doing right now is I should pretty much just stay just stay what I'm doing on on the Yeah. face cover. That's what It yeah.","start_word":8990,"end_word":9176,"sentiment":"neutral","sentiment_score":0.05280103815350941},{"text":"it does definitely suit where you're at, what's happening. You've got a lot of yeah. It is growing and working and compounding, which is what we wanna see. I mean, when you sort of look at where your balance was in the last review to now, you've definitely had a really good return. And the fact that even with the ups and downs this year, we've still come out with a 5% return net of fees. It has worked really well. And you can absolutely state that environment.","start_word":9177,"end_word":9264,"sentiment":"positive","sentiment_score":0.4529888927936554},{"text":"But are you comfortable with that? Did you have questions No. Yeah. I around think I am comfortable comfortable with that. it? Yep. Yeah. Definitely.","start_word":9265,"end_word":9289,"sentiment":"neutral","sentiment_score":0.04922477528452873},{"text":"Beautiful.","start_word":9290,"end_word":9290,"sentiment":"positive","sentiment_score":0.4827647209167481},{"text":"If you ever find you're not, you can always let me know, and we can always delve deeper into it. Okay?","start_word":9291,"end_word":9311,"sentiment":"neutral","sentiment_score":0.12520644068717957},{"text":"Excellent. Perfect.","start_word":9312,"end_word":9313,"sentiment":"positive","sentiment_score":0.4186514616012573},{"text":"Now just updating the last things in your risk in your fax line here as well. Have you ever had a will and power of attorney done up? Is it something you and your wife have spoken about doing? I thought I did try to set one up or see what's happening, and I never heard that. I don't think so. Oh, that's Yeah.","start_word":9314,"end_word":9377,"sentiment":"neutral","sentiment_score":-0.036662757396698},{"text":"that's terrible.","start_word":9378,"end_word":9379,"sentiment":"negative","sentiment_score":-0.5413327217102051},{"text":"Yeah. It is definitely Well, that worth doing. oh, yeah. Yeah. Yeah. I definitely wanna go and Might, definitely look into that yeah, for sure. might be worth, chatting to that account and to that, sorry, solicitor again and going, hey. Where's my will? Let's get this sorted.","start_word":9380,"end_word":9427,"sentiment":"neutral","sentiment_score":0.002259511500597},{"text":"Definitely have a chat to your wife, talk about what you want, what your goals are, because it is definitely worthwhile having a will in place.","start_word":9428,"end_word":9453,"sentiment":"positive","sentiment_score":0.5712110996246338},{"text":"Okay? Yeah. Yeah. Yeah. That's what I wanna do there. Yeah. And power of attorney as well is really important to make sure in the event Yeah. that you can't make decisions on your behalf that the person you appoint to do that knows exactly what you want to happen in those instances. Okay? Yep.","start_word":9454,"end_word":9508,"sentiment":"neutral","sentiment_score":0.03799537196755409},{"text":"Excellent. Yep. With the I'll after the call, I'll do a little recap for you so we can go through it'll basically outline things that we have sort of gone through today to make it easier on you.","start_word":9509,"end_word":9546,"sentiment":"positive","sentiment_score":0.3611139953136444},{"text":"Yep. And, also, I'll do update referral through to the mortgage broker for you as well. So he'll contact you and have a bit of a chat about your borrowing capacity and what you're able to borrow.","start_word":9547,"end_word":9583,"sentiment":"neutral","sentiment_score":0.1417544186115265},{"text":"Awesome.","start_word":9584,"end_word":9584,"sentiment":"positive","sentiment_score":0.4278450310230255},{"text":"You have the two investment properties that you're currently renting where you live at the moment. Is that It's I'm I'm I'm still sacrificing for work work's right? paying for the pricing here. Yes. Yeah. And how much are you paying for that on a regular a weekly basis? Is it all I think at it's the 343 a fortnight. moment? Okay. Got 3 a second. 40 Yeah. 3 per fortnight. Yeah.","start_word":9585,"end_word":9656,"sentiment":"neutral","sentiment_score":0.0029064363334327936},{"text":"Beautiful.","start_word":9657,"end_word":9657,"sentiment":"positive","sentiment_score":0.4171026349067688},{"text":"Through that.","start_word":9658,"end_word":9659,"sentiment":"neutral","sentiment_score":0.2506597340106964},{"text":"Beautiful.","start_word":9660,"end_word":9660,"sentiment":"positive","sentiment_score":0.39404797554016113},{"text":"And is there any other assets that you need to maybe note down? Anything else of value? Any other cars, boats, caravans, tools of Well, trade? I've got I've got a boat probably worth, like, $40.40 yeah. Maybe 40 k. 40,000? Yes. Yeah. Fantastic. And is And it owned outright? yes. And I'm right now. Fantastic. And your car as well? What kind of car do you drive? Land Cruiser 300 series. Oh, Fantastic. That's 300 series. I had a value of 30,000 on that last year. Would you change or alter that value? yeah. No. That comes with about $1.20. Okay. Fantastic. Do you guys have a secondary vehicle as well? No. I don't know. No. That This 30,000 one.","start_word":9661,"end_word":9781,"sentiment":"neutral","sentiment_score":0.04037695729042873},{"text":"Beautiful.","start_word":9782,"end_word":9782,"sentiment":"positive","sentiment_score":0.33638450503349304},{"text":"was yeah. That's gone now. Yeah.","start_word":9783,"end_word":9788,"sentiment":"neutral","sentiment_score":-0.05667805299162865},{"text":"Oh, fantastic.","start_word":9789,"end_word":9790,"sentiment":"positive","sentiment_score":0.3951304256916046},{"text":"And the Land Cruiser, do you own that outright, or do you have a loan on that vehicle? No. That's No. for a fairly shock a fairly sacrifice, which is two years into it. Now I've got three years left. Okay. Three years left. And how much do you pay for that out of your income on a regular basis? So so really let me look into it. So I do post tax and pre tax. Yep. It's it's well, I mean, it's a thousand and then it's a 100 just in here. I'll bring it up and I I can tell you. Yeah. You're alright. That's okay. So let me look into it. So post tax is 1,046 and 8<unk>.","start_word":9791,"end_word":9913,"sentiment":"neutral","sentiment_score":0.0038518141955137257},{"text":"Perfect.","start_word":9913,"end_word":9914,"sentiment":"positive","sentiment_score":0.35694265365600586},{"text":"Yep. And and the seller's sacrifice, which is 637 and 44. $37.45 $4.","start_word":9914,"end_word":9927,"sentiment":"neutral","sentiment_score":0.07790505141019821},{"text":"09. Beautiful. Thank you for updating that for me. Excellent.","start_word":9927,"end_word":9936,"sentiment":"positive","sentiment_score":0.556315541267395},{"text":"And the only other thing to confirm is your beneficiaries on your super and your life insurance. We have it noted here. A 100% of the benefits be paid to, that's your spouse. You're happy with the way that is structured? Yes. This is happy to hear Yes. you.","start_word":9936,"end_word":9985,"sentiment":"neutral","sentiment_score":0.20567220449447632},{"text":"Is that Beautiful. Excellent.","start_word":9985,"end_word":9989,"sentiment":"positive","sentiment_score":0.3808491826057434},{"text":"And the last thing here is, are you putting much in the way of savings away out of your income on a weekly or fortnightly basis, or are you finding everything's kinda going into your loans? Yeah. No. No savings at all. I say it's no. Definitely Nothing? no No. savings. That's Yeah. okay. That's all It was good. funny it was funny you rang today because the wife just phoned me up today and she's looking. I'm willing to to do some sacrifices. I wanna start saving now and then and then half an hour later, I've got a call from you. And I've asked you the same question. No. All good. That's good. Oh, hopefully, you can start. Do you know kinda what you'd like to be out of putting away on a, say, a weekly or fortnightly basis as dedicated savings? Has she Well, sort of spoken to you about what she'd like to see? we're hoping hopefully to try to put away, like, at least 500 a week. Sorry. Minimum. Okay. That's minimum. Yeah.","start_word":9989,"end_word":10165,"sentiment":"neutral","sentiment_score":0.008105928720222354},{"text":"Perfect.","start_word":10166,"end_word":10166,"sentiment":"positive","sentiment_score":0.4672442674636841},{"text":"Yeah.","start_word":10167,"end_word":10167,"sentiment":"neutral","sentiment_score":0.30290329456329346},{"text":"So that's why I wanna Perfect. try to do this financial plan and see if we can make it work.","start_word":10168,"end_word":10187,"sentiment":"positive","sentiment_score":0.3738401532173157},{"text":"Yeah. Absolutely. Well, I mean, have a chat to the mortgage broker about your borrowing capacity Yeah. there. If you did then wanna look at, you know, extra advice around cash on budgeting and things like that, we do charge an out of pocket cost for the personal advice there. But I can always just send you a budget planner and have general conversations around you with ways to be able to save, and that is complimentary to you as part of your current services. So, you know, if you want extra services like that and help, let me know. I'll always go through and talk to you about it, what we, you know, what does or doesn't cost, and what we can do for free to help you along. Okay? Yeah. Could you put that as a recap as well? Add all that as well? Absolutely. Yep. Absolutely. Not a problem at all. And then, like, when you charge for your services, if we do need Yeah. the actual device. Yeah. Absolutely. Most definitely. And do you have any other goals that you were looking to sort of obtain? I had back here in 2024, you were looking to get married. Did you you obviously Yes. went We ahead did. We and got got married? we got married last year. Yeah. We got married Oh, last year in congratulations. Bali.","start_word":10188,"end_word":10418,"sentiment":"neutral","sentiment_score":0.16201870143413544},{"text":"And Excellent.","start_word":10419,"end_word":10420,"sentiment":"positive","sentiment_score":0.5202821493148804},{"text":"and it's been a it's been a year now, just last week. Yeah. Oh, did you do something nice to your one year anniversary? No. We just we just went out. We just went to dinner because we just got Yep. too much plans coming up. But, well, I think Yeah. the holidays coming up, and we just started to Nice. sacrifice Honestly, it.","start_word":10421,"end_word":10484,"sentiment":"neutral","sentiment_score":0.0925232395529747},{"text":"dinner's just as good. Dinner's nice.","start_word":10485,"end_word":10490,"sentiment":"positive","sentiment_score":0.7424224615097046},{"text":"Yeah. So the the rest is in Sunday. Yeah. Yeah.","start_word":10491,"end_word":10500,"sentiment":"neutral","sentiment_score":0.20840901136398315},{"text":"Excellent.","start_word":10501,"end_word":10501,"sentiment":"positive","sentiment_score":0.5851485729217529},{"text":"And I also had down here that you're down the track you're looking to buy your forever home. Is that something you're still looking to do down the track? Yeah. So we are that's what she was talking to me today about. Like, if it's the house that she likes, then she wants to kinda, like, just buy outright and and I think it's got one I've got a bill a million. Okay. So Yep. so in the next three years, that's what she wants to do. So Okay. we just sell Beautiful. our properties and then, okay, I see we could get 300 Yep. and then we can buy it outright here.","start_word":10502,"end_word":10614,"sentiment":"neutral","sentiment_score":0.09840498864650726},{"text":"Absolutely. Fantastic.","start_word":10615,"end_word":10616,"sentiment":"positive","sentiment_score":0.5039786100387573},{"text":"Is there any other goals that you might have in the next, you know, one, two, five, or ten years that you might wanna note down as well? Yeah. Just at least I have another couple more properties. Yep. Build that property Yes. portfolio.","start_word":10617,"end_word":10660,"sentiment":"neutral","sentiment_score":0.16059724986553192},{"text":"Fantastic. Definitely. Excellent.","start_word":10661,"end_word":10663,"sentiment":"positive","sentiment_score":0.3686891794204712},{"text":"And you're thinking about Yeah. handing the properties over to your kids in the future as well, sort of building Pretty that for much. them to inherit? Yep. Exactly. Exactly. The generational wealth.","start_word":10664,"end_word":10696,"sentiment":"neutral","sentiment_score":0.10381771624088287},{"text":"I love that. Fantastic. Beautiful.","start_word":10697,"end_word":10701,"sentiment":"positive","sentiment_score":0.5216010808944702},{"text":"Well, that's basically everything I needed from you. Obviously, you do pay the ongoing service fee. You have signed that document, so thank you so much for doing that. The ongoing service fee is 1.65% per annum. That is deducted in smaller inside of your super there. So it does continue for the next twelve months. I'll do Yep. a little recap with what we've gone through. We've touched on a lot of areas, a lot of different things. I'll go through and do a bit of a recap email for you with what we've gone over, the areas we've discussed, what we're looking at now. I'll go back and also just review your super investments and do a little an investment switch advice document for you, which we'll have in a few weeks. I'll limit that to just the investment switch for you. And anything additional you need advice on, you can always let me know. We can come back and reevaluate. Is that okay? Are you comfortable Yeah. That's with that?","start_word":10702,"end_word":10874,"sentiment":"neutral","sentiment_score":0.09413097546882712},{"text":"that's uncomfortable.","start_word":10875,"end_word":10876,"sentiment":"negative","sentiment_score":-0.4968728721141815},{"text":"Yep. Yep.","start_word":10877,"end_word":10878,"sentiment":"neutral","sentiment_score":0.0007888401742093265},{"text":"Beautiful.","start_word":10879,"end_word":10879,"sentiment":"positive","sentiment_score":0.40915173292160034},{"text":"Look.","start_word":10880,"end_word":10880,"sentiment":"neutral","sentiment_score":0.293580561876297},{"text":"I've taken up so much of your time, Jo, but I thank you so much for that.","start_word":10881,"end_word":10897,"sentiment":"positive","sentiment_score":0.4474446773529053},{"text":"Have you got any questions for me that's come out of any of this, or is there anything that I may have not touched on that you wanted to maybe bring up with me as well? Yes. So one of the questions was on my speaker form, did I write down that that I was spoken? On your insurances? Yeah. Insurance is here. Like, Let I did me have stop a quick. and then I'm just like I'm always starting, stopping, starting, stopping, so I just wanna know what I'm talking about. Yeah. That's okay. Let's have a bit of a look. So as long as the application, when it was submitted, was correct, it's fine. They sort of don't mind if you weren't smoking then and you've taken it up now. That's fine. We don't Yeah. have to go back and disclose that at all. But if you were smoking back then and didn't disclose it, that becomes a bit of a question. Yeah. I'm No. I wasn't in. I'm just kinda, like, just started up, like, again this year. Okay. But it's just Yeah. it's just, That's like, now and then, you know, like, not all the time, but I just rather be on the safe side. yeah. Of course. So just socially smoking. Yeah. So I'll just double check what I've got here for you. Yes. So you are down as being a social smoker.","start_word":10898,"end_word":11135,"sentiment":"neutral","sentiment_score":0.013977380469441414},{"text":"Awesome.","start_word":11136,"end_word":11136,"sentiment":"positive","sentiment_score":0.4059228599071502},{"text":"Yep. Yeah.","start_word":11137,"end_word":11138,"sentiment":"neutral","sentiment_score":0.24834470450878143},{"text":"All good. Fantastic.","start_word":11139,"end_word":11141,"sentiment":"positive","sentiment_score":0.5076450705528259},{"text":"Was there any other questions or anything else that you wanted to ask me while you've got me here, Jo? No. Thanks very much for the No. so the machine is telling me it's That's definitely okay.","start_word":11142,"end_word":11178,"sentiment":"neutral","sentiment_score":0.04114977642893791},{"text":"It's a lot, and I'm so sorry about that.","start_word":11179,"end_word":11187,"sentiment":"negative","sentiment_score":-0.41936150193214417},{"text":"no. You don't need to be fine at all. Like, what you what you what you just just found that voice is good. I guess I Yeah. needed Uh-oh.","start_word":11188,"end_word":11216,"sentiment":"neutral","sentiment_score":0.02554371207952499},{"text":"it and opened Fantastic. my eyes the morning.","start_word":11217,"end_word":11224,"sentiment":"positive","sentiment_score":0.49377280473709106},{"text":"So yeah. No. Thank you Yeah.","start_word":11225,"end_word":11230,"sentiment":"neutral","sentiment_score":0.20952855050563812},{"text":"for that.","start_word":11231,"end_word":11232,"sentiment":"positive","sentiment_score":0.3968200087547302},{"text":"I'll just wait for I'll just wait for that recap and then Yeah.","start_word":11233,"end_word":11245,"sentiment":"neutral","sentiment_score":0.1378360390663147},{"text":"reply back to you from Excellent.","start_word":11246,"end_word":11251,"sentiment":"positive","sentiment_score":0.3497732877731323},{"text":"And I'll send through the introduction to the mortgage broker there as well. So it's an email to there. yourself Yes. and the mortgage broker, and then he contacts you to organize a time to touch base and have a chat about what you're after, what your borrowing capacity is, and look at everything. And then he'll go from there. Mortgage breaker services are completely complimentary because they are paid by the banks they write the loans for. Yeah. Yeah.","start_word":11252,"end_word":11331,"sentiment":"neutral","sentiment_score":0.20025646686553955},{"text":"That's right.","start_word":11332,"end_word":11333,"sentiment":"positive","sentiment_score":0.3835357427597046},{"text":"So Yeah.","start_word":11334,"end_word":11335,"sentiment":"neutral","sentiment_score":0.3163200318813324},{"text":"that that'll be nice and free for you.","start_word":11336,"end_word":11343,"sentiment":"positive","sentiment_score":0.5650278329849243},{"text":"Okay?","start_word":11344,"end_word":11344,"sentiment":"neutral","sentiment_score":0.2957601249217987},{"text":"Thank you so much. That's okay. Easy, Joe. I'll let you go. You have an amazing Okay. day, and let me know if there's anything that comes up.","start_word":11345,"end_word":11372,"sentiment":"positive","sentiment_score":0.5782804489135742},{"text":"I'll get those emails out to you shortly. Okay.","start_word":11373,"end_word":11381,"sentiment":"neutral","sentiment_score":0.32939428091049194},{"text":"Thank you. Bye. Thanks. See you later.","start_word":11382,"end_word":11388,"sentiment":"positive","sentiment_score":0.5471887588500977}],"average":{"sentiment":"neutral","sentiment_score":0.057120611668700624}}}}