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Thank you. I had you booked in to go through you and your review today. Is now still a good time there for you? Yep. Fantastic. How's your day been so far? Yep. Yep. Yeah. Yeah. Yeah. No. I couldn't do that cold. Yeah. Absolutely. And, look, I understand the cold down there because my husband's family are from Yonge, so Inland, New South Wales. And, yeah, they are quite okay with the cold. Yeah. Not my sort of code. Understandable. I'm sending through a copy of some annual review documents to kinda run through and give you an update on how things are going. Are you able to access your emails at the moment? If not, that's okay. No. No. That's okay. Okay. Yeah. Yep. Yep. That's okay. Honestly, it's not a problem. I've sent the documents through to you, so they will be in your emails when you get a second to have a bit of a look at them there. But just to give you a bit of an update, so as of your last annual review last year, your balance then was 397,562. As of yesterday's date sorry. The twenty seventh. So Monday's date when these documents were prepared, your balance is now 419,817 and 22¢. So we have had a good increase in the last year on your balance, which is good. When I look at the overall performance over the last one year sorry. I'm seeing the right report in front of me. Over the last twelve months, the net return for after fees, you're up by 8.23%, which is fantastic. As a dollar figure, it shows your earnings, your growth plus your income within the fund is over $39,644. So you've had a really good year in the portfolio there. And since we made those changes with everything we did in the last few months with the advice documents, in the last three months, you're up by about 1.39%, which is earnings of over $7,800 in the last three months there as well. So everything is tracking along and ticking really, really nicely, and that's definitely what we'd sort of hope and expect from the portfolio thus far. Yeah. That's okay. Yeah. That's okay. Yep. Mhmm. Yeah. Yep. Yeah. Part of where we are. Yeah. Yeah. Absolutely. Yes. Yes. Yep. Yep. Mhmm. Yep. Yeah. Mhmm. Yep. Yep. Yeah. No. That's that's completely understandable. On the other side of that, because the markets have been very up and down, it is also a good time to start contributing more. That way, when the markets are down, you do take more of an advantage of that. Essentially, if we by sort of waiting and holding on until the markets are not doing a lot better, you're essentially buying into an already increased market or an an upmarket. Whereas, realistically, with contributions, we wanna see them going in on a regular basis so that we're dollar cost averaging in over time. We're taking advantage of the markets when they are in a downtime, and then also continuing through the uptimes as well. The idea is that when you sort of stay hold, like, an investment state, I'm speaking with the, you know, the AAA cash or even just gold, if that was, you know, $50 per share one day and you put a $100 in, you buy two units of that share. If the next day has gone down, you still put a $100 in, say it's $50.20 dollars, it does mean that the overall balance has decreased slightly. But when you put that $100 in, you buy five of those shares rather than two. And then the market comes back, and you end up buying a few less. So you do end up buying more units overall, but I do understand where you're at. And that's absolutely fine. If you wanna hold off, you honestly can. But, yeah, I just wanted to give you the other side. Yeah. Yeah. Yeah. Yeah. Yep. Yeah. Yeah. Yep. Changed. Yeah. Yep. Yes. Yes. Somebody? Yes. That's absolutely fine. Yeah. Yeah. Yeah. Yep. Yep. Yeah. Yeah. Yeah. Yeah. Yeah. That's fantastic. Yes. Yeah. No. That's absolutely fine. And while you've been sort of going through that, I've just pulled up a report to have a look at, obviously, from January until now. And, yeah, look. It does show that the return is a positive of 1.75%. So, realistically, when you look at January to now, it's not as good when you don't sort of factor in the last few the few months prior to that, and that is because of, obviously, the world generally. It does show the earnings of the dollar figures over 11,997. So with the ups and downs that we have definitely seen this year in the market and the uncertainty, a lot of it was, you know, with what was happening between Iran and America early on. March and April was really the biggest point where we had those ups and downs where that was mostly in the news, and investors are really concerned about that. The other kind of side I'm not sure if I've pointed out last time as well, but the other sort of side that has sort of affected us here in Australia as well is the high inflationary rate. Because high inflation means that we're looking at higher interest rates, which means that people are less likely to borrow. It does have an effect on bond rates as well. So that has sort of affected the super on the downside a little bit more. So I completely understand where you're going with that. And at the same time, I just provide the advice. It's up to you to be comfortable with taking it on. If not, we'll just keep reviewing it. When if you are comfortable, let me know. We can always start it again. We can always review it as well. I just want you to end up with the best retirement possible. And the I the property side is good. Sorry. You're alright. Yeah. Yeah. Yeah. Yeah. Yeah. Yep. No. Definitely not. It's still very much appropriate. Yeah. Just because when we sort of did the the advice, it was also appropriate for what was happening in the market at that time, and that definitely hasn't changed as of yet. I do wanna make sure that we do keep reviewing everything with you and kind of make sure we update things as need be. We've also done that investment switch now as well, so it'll be important to keep reviewing that and seeing a lot of that. When you sort of look at the return of the 1% there as well from January, it's also factoring in that advice that we recently did, which did have some investment changes in it. So it it's also factored in the changes in the investment. So I'd like to sort of watch it over the next, you know, three to six months and see where things are tracking. If we don't see any changes in the market conditions or if your performance isn't doing like what we would like to see, then we can go back to the drawing board. I'll definitely update the advice, reflect on the investments that are in there, and keep sort of working forward to that. Absolutely. Yeah. Yep. Yeah. Yeah. Yeah. Oh, it's insane, isn't it? Yeah. Yeah. Yeah. Yeah. Those changes that this came through are quite interesting. I I had to spend the last couple of weeks going through and pulling the legislation apart and really understanding it because you got you just so sorry. You said you wanted to look at investing in a property as well. You still do you still wanna do that moving forward? Is that still kind of what you're still looking at doing? Yep. Yes. Okay. Yeah. Yeah. Yep. Yeah. That's fine. Let me Yep. Yeah. Yeah. Yep. Yes. Yes. Yes. Okay. Yes. Perfect. Yep. Perfect. It is. It is. Have you guys talked about what the goal is with the property moving forward? So if you're going to live in the new property and rent the one your current home out, are you sort of looking to just hold on to that into retire and continue to pay it down and then draw income from that? Or mhmm. Yep. Yep. Yeah. Yes. Yep. Fantastic. Mhmm. Yep. Wow. Yeah. Yep. Yeah. Yeah. Yeah. Yep. Yep. Yep. Absolutely. Yep. Yep. Yep. Yeah. That's right. Absolutely. Yeah. Yep. Yep. Yep. Yeah. Yeah. Yep. Yep. Yes. Yep. Mhmm. Yep. Yeah. Absolutely. It absolutely does. It's kind of what I would sort of say in the shorter term because I would never wanna invest money in, say, the share market that you're wanting to use generally in the next three years. If you we generally don't like to invest money in the shorter term because the markets are so up and down, so volatile that you do risk wanting to access that money in the short term at a down point, and this year's kinda showing us that. So I would never invest money that you're planning to access in the next three years. I would try to hold that off. A term deposit sounds great or even a high interest savings account. Just sort of have a look around at some of the the best ones out there. Generally speaking, if there is a lot of lending going on as well, your bank might be more willing to come to the party. So shop around for term deposit rates, and then let your bank know that you've got this. These are some of the rates on offer for the amount of money that you've got. Are they willing to come to the party? And they can, you know, try to get exemptions and try to get, you know, better rates for you as well to try and get the best rate possible. So definitely shop around. Yeah. It's something I used to be a banker, so I do remember doing that quite a lot. And when there is a bit of lending going on, so because we are sort of coming into a bit of a buyer's market with as much as interest rates are still quite high, there is still a lot of buying going on. The real estate agents I've been talking to haven't slowed down in any way, shape, or form. And I actually was talking to one recently, you know, asking about with the new changes to negative gearing and CGT, are they finding that investors are backing off? And they said no because investors still want growth. And investors are likely to hold on to a property in the short term anywhere, you know, between five to ten years to get the growth that they're after and then flip it, sell it off again. And with the way the new laws work, I had a look, and I didn't like it to begin with. But then after kind of pulling it apart, I can see some advantages to it where like, if the property is negatively good, as an example, you know, you've got income coming in off the property of $20,000 for the year, but your expenses are $40,000 for the year. Say you hold on to that property for ten years. Essentially, each tax time, they'll let you utilize out of the expenditure. They'll they'll mutually get a property. So they'll let you account for $20,000 of the expenses. That extra $20,000 of expenditure, which would normally offset your income, then sits as a future loss, and it's carried forward indefinitely. So then if you hold that property for, say, ten years and you then sell it off and have, you know, a $500,000 CGT, they let you then carry those losses forward indefinitely and build them up to offset the capital gain at the very end. So down the track, it could have a much greater benefit rather than offsetting it on a yearly basis. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Not technically not not the best benefit out there because sometimes you sort of when we are higher income earners now, we kind of wanna try to offset as much of that income as possible. But I can sort of also see, you know, the reasoning behind doing it. So one of the other aspects is a lot of people buy property solely to negative gear the property. And one of the biggest things that a lot of people don't realize or don't take into account is that you actually can't enter a scheme. Under the tax act, you can't just enter a scheme for the sole purpose of reducing tax. It's section four a of the income tax assessment act 1936 and 1997. And it basically states exactly that. And if the say the ATO was to provide an audit and go back over tax returns and look at what was actually being, you know, declared, if they, for any reason, found that you had bought that property solely to negative gear, solely to enter a scheme for the purpose of reducing tax, It's seen as a tax avoidance, and they can actually go back. And then all the benefits you've gotten, remove them and make you pay back that tax. So it is I can see why they've done it. I don't always like it because I'm an investor. I have a property that I negatively gear, and I have done for three years now. But I didn't buy that property too negatively gear. I bought that for my kids to live in. I just made it cheap enough for them to live in so that it was negatively geared. But I can I can see both sides of the aspect, and I can see where it's a benefit, but also a downside and a negative there? So yeah. Yeah. Yeah. Yeah. Absolutely. Yes. Yeah. Yeah. That's it. No. Yeah. Yeah. No. No. It is. It is. And I may no. No. Look. I'm with you there. I was staunch against this, and then I pulled the legislation apart. I was like, look. I can see the benefits. I don't fully hate this system, but I don't necessarily like it. And I can see where it is an advantage and a disadvantage. And I do I do think it would it is going to provide a disadvantage to mom and dad investors who are just trying to buy a property to, you know, help build on to help with the super or to, you know, utilize or to build wealth for their kids and things like that, there are definitely going to be disadvantages to the system, but it also could change. We you know, it passed, because the grains backed it. And in order for it to back, they also had changes to self made super funds and lending within that aspect as well. So there was a lot of willing and dealing to get that through parliament. I know when it first was put in the budget on the May 12, we all came in the next day and sat there and went, well, what what is going on? Where is this coming from, and what is going to happen? And even the accounts I was talking to was shocked. They were like, this is going to make life very, very difficult, but I think it's been fun. It's been a lot of fun. It's a good thing I enjoy reading. Thank you. Thanks. Yeah. Yeah. Yeah. Yeah. Thank you. Well, I'm always here if you ever need anything or have any questions or you hear something that's just concerning, you can shoot me an email, give me a call. I do take a lot of calls off the cuff as well, so I don't book up my day crazy. I generally have about five to six calls a day. And then in between that, if someone calls and then needs me, I will always take the call, or I'll if I'm on the phone, I'll call back straight away. So, you know, if you need anything, have any questions, you hear something that's concerning, or you're just not sure, or you want me to read something and pull it apart for you, just let me know. I'm here to help you, and I'll definitely do that for you. Not an issue. Yeah. All good. Yeah. All good. Yep. Yep. Yep. Yep. Yes. Absolutely. Yeah. Absolutely. Yep. Absolutely. On the right track. Correct. Yeah. Yep. Definitely. And moving forward, you know, once you get the property, we'll look at that as part of your overall retirement aspect as well. So if you are hoping to keep that in retirement and keep the income to supplement super, it does mean you can take less from your super to you know, which means longevity for super is much greater. It does affect the overall Centrelink aspect, which means you may not be eligible for Centrelink down the track. But there's other things that I can do. We have ways of sheltering money, if we can, and, you know, we can look at what else what else we can do out there. And if, you know, your wife is comfortable, we can look at everything as a whole as a family. So, it doesn't stop us. Yeah. Yep. Yep. Yes. Yeah. Yep. Yeah. Yeah. Yeah. Yes. Yep. Yep. Yeah. Absolutely. Definitely. No. Perfect. Well, I definitely wanna make sure. And Samantha's got you in the calendar to make sure that we touch base in three months again to to catch up and see how things are going, re you know, redouble check what's happening with super, see how things are changing in your life. And if anything comes up in the meantime, don't hesitate. You don't have to wait for that three months. If you in a month or two's time, go, Dana, I need some extra help now, I will always make time so you're not limited. In in that path there, we do still have your ongoing service agreement for the next twelve months. If you're happy to stay on board, I'll get you to sign and return that one back. And this is the ongoing service fee of 1.65%, which is deducted year so that's yearly. It's deducted a smaller monthly income instead of your super for my services, looking after everything, and continuously updating the advice there for you. Okay? Excellent. All good. I just wanted to really quick double check. Income wise, has anything changed? You're still on 90,000. Have you had any increases there at all? Yeah. Oh, fantastic. Yep. Oh, you deserve it anyway. That's okay. Yep. Absolutely. Yeah. Absolutely. All good. We had down here that you were expenditure wise was around about sort of 3 to 4,000 mark on a monthly basis. Has that kind of increased recently, or is it still fairly accurate? Yeah. Yep. Yep. Yeah. Yes. Yep. Yep. Yep. Yeah. Yeah. Yep. Is that the same? Yep. Yeah. Absolutely. Not a problem. Okay. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. You mean incorporating her into the loan? Or Yeah. Yeah. Yeah. Yeah. No. Look. There there honestly is. You can. Just make sure as long as she's got income coming in, she can be added into the serviceability, and that kinda works in your favor as well. Because with her living at home, depending on the lender and the lender's criteria, she may be seen as more of a dependent, which means you may be serviced on her being a dependent, which costs you more money and does actually affect your servicing. If you were to incorporate her into the loan, she gets a bit of a she gets assessed as part of the loan as a borrower. It means that she's also liable for part of the loan, but it means that she gets a bit of a step into the market. She has borrowing you know, she has part of the the property. She's got some of the assets there, and it also means that she's assessed as a a single person. And you're not assessed as yeah. She's not assessed as your dependent, essentially. So it can help your assessment to do so. As long as she's earning income and it can be assessed, they will wanna scan her bank statements the same as yours and just sort of making sure that that works in with your goals as well. So just maybe have that chat to her and be like, look. If this happened, this is what we're looking at doing. And then noting that down the track, if she decides to buy a different property, she may wanna buy out may want you to buy her out of that one. She might wanna keep part of that. It could be an estate planning thing where you pass that to her in the will anyway. So just having that conversation with her, but you absolutely can if she's comfortable to do so. Yeah. Servicing could definitely it could increase your servicing capacity a little bit as well. So yeah. Yeah. Yeah. Yeah. Beautiful. Absolutely. It could definitely give her a leg up too because if she starts with you guys, she's assessed as having part of the loan or part of the ownership at the property. But then later on down the track, if she's then wanting to buy another property, whether it be her main primary residence or an investment property down the track, she's already got one well, part of one property there. So they can assess her part of the the property, you know, to to help her buy more. She's got an asset that can be part securitized. But yeah. Yeah. Yep. Yeah. Yeah. Yep. That's a little bit. Yep. Yeah. Oh, love that. Woman to my own heart. Yeah. Yeah. Oh, good. Yes. Yeah. Oh, that's fantastic. Yeah. Yeah. Yeah. The mortgage brokers would be that's okay. The mortgage brokers would be the best ones to sort of look at doing that. I believe don't quote me on it because it can change depending on the lender and the rules, but I believe she can access that. I think, though, if I'm thinking, though, if, let me double check it because she can as a first home buyer, but I'm not sure if it then goes on if she goes into, like, a co loan with you guys or not. I can have a look for you. That's okay. No. You're absolutely fine. Yeah. It it is just purely in my name or mine and my husband's name for us just because as much as our daughters are 19 and 20 now, it was more just to help them. So one of my daughter's boyfriends moved over from WA, and my house is too small to have everyone in it. So we sort of went, well, we'll buy this. It's our kind of retirement plan as well, but we'll let you guys pay a little bit of rent to give you a little bit of growth outside of the home, and let you work out, you know, how to become adults that is still within the safety of something we own and control and help with. So, yeah. Yeah. So It's saying here. So it's telling me that some states may allow it, but it depends on the state you're in and the rules at the time on whether it's a new or established home. So when you are just chatting to the mortgage broker about it, get them to double check and see if it's gonna be eligible based on where you look to buy and your circumstances. Because, realistically, she's eligible for as she's never owned a home before, but it more just comes down to how much of this property is gonna be owned by you guys and how much is owned by her. If it's only a very small amount owned by her, it looks like she may not be eligible to do it. So it might also come down to how the loan is structured as well. Yeah. Yeah. Yeah. Yeah. Absolutely. Yeah. Absolutely. No. Definitely. Perfect. The only other thing I just wanted to quickly run through is just a risk profile questionnaire with you as well. Just making sure you're in that balanced environment. Just making sure that is still appropriate for you. Just with the risk profile questionnaire. So how would you sorta categorize yourself risk wise? Do you consider yourself happy to take on a higher amount of risk to get the best returns you can, a moderate or medium amount of risk to get the pot best possible returns, or a much smaller amount of risk knowing the returns are lower? Where would you sort of categorize yourself in there? Yes. Yeah. Yep. Yep. Nope. Yep. Yep. Yep. No. Absolutely. I've sort of put you at a three kind of in the middle range there at the moment. Happy to take on a a medium or moderate amount of risk to get the best returns you can, but making sure you've got a good safety net there as well. Yep. Yep. Yeah. Yeah. Yes. Yeah. Yeah. Yeah. Wow. Yeah. Yeah. Yes. Yeah. Yeah. Yep. Yep. No. Absolutely. All good. The next one here is how do you think you'd feel in the next sort of twelve months if the market took a big 20% drop? So if Trump was out there tweeting and say this war got worse and we did see a bit of a downtime. I know. And, look, investing in all markets, that is a possibility, but we certainly hope it definitely doesn't. But do you think you'd be feeling cautious, concerned, anxious, or or or optimistic about the opportunities? Yes. Yeah. Yep. Yep. Yeah. Yep. Nope. That's fine. Yeah. I've got you down here as being quite concerned about it. You'd be, you know, very, very stressed out, maybe giving us a call and going when is this supposed to come back and, you know, how bad is it likely to get. So I did put you down as a bit of a a three there being quite concerned. Am I on the right track with that still? Yep. Mhmm. Yep. Yep. But understandable that it can. Yeah. Yeah. Yep. No. That's fine. That's okay. I've Yes. Yeah. Yeah. No. Absolutely. Yep. Yeah. Absolutely. And, look, in all honesty, I've had a lot of conversations with people this year about their risk tolerance, and a lot of people who I've noted in the past couple of years in their fifties who tell me they're high risk and are happy to be in that high growth environment when they see markets like what we have this year, whether it does dip. And in all honesty, the dip we saw around about March and April wasn't more than 3%. It wasn't as large a dip as we have had in the past, but most people felt it pretty drastically because it was everywhere. It was in the news. It was all over the place. Everyone was talking about it, and it was felt. And a lot of people I've spoken to in the past have gone, yeah, I'm high risk. I want the great returns. When they see that, they're ringing going, oh my god. What is happening? And at that moment, I'm like, I don't really think you're high growth because you have to go through these downtimes to and allow your money to come back. So a lot of people were tested in a 3% drop to find out whether they really were comfortable taking on high risk. And, I mean, I know people in their thirties and forties who don't wanna be in that high risk environment. And as much as they have the time horizon ahead of them, it just makes them very nervous and concerned. And it's got a lot to do with past, you know, past history and how you're feeling in where you are in life. You're you've worked a whole lifetime. You're ready to retire. You're close to it, and you've worked really hard to get the super balance you have. And super wasn't a thing until the early nineties, and it's been growing gradually, so it started off quite small. So it is very normal to be concerned. I wouldn't want you to be trying to take on more risk than what you're comfortable with because when the downtimes come and everyone feels the downtimes, you know, the idea is being in a balanced portfolio, which is that sixty forty split as opposed to a ninety ten split growth to defensive. You know, as much as you will still feel those down times and see, you know, those down times occur, you won't feel it as big as someone in that high growth environment there. So I would not want you to feel like you have to take on more risk than you need to. There are other things we can do to offset the risk by increasing contributions in. When you do get your investment property, you When you do get your investment property and you are earning income, you know, if it's positively geared and the income is more than in what you're essentially spending or, you know, what the expenditure looks like, then there's income tax as a factor as well. So we can always, you know, utilize previous year's contributions if possible or use CapSpace to look at, you know, ways to offset some of that income so you're not paying a lot of tax. And because you are 59 now, happy birthday, essentially, you are very close to 60. And at 60, there's other strategies we can look at. We can look at that transition retirement strategy where we can increase your contributions up to the cap every year and put a lot more money into super, but we can also draw a little bit at to supplement your income as well, which gives you the benefit of reducing your taxable income because you're drawing a little bit of money out of super tax free, but you're putting more into super to have more invested. And that's a great strategy to boost over the last couple of years towards that 60 five age as well. Yeah. Yeah. Yeah. Yeah. I know. I get a bit excited when people turn 60. I'm like, yes. Let's do it. They're all like, I'm 60. It's not great. And I'm like, yes. It is. It's great. Trust me. 60 is amazing. That hype? That's okay. If it comes back, just let me know. It's all good. Easy done. Beautiful. That's okay. Well, you look you are investing correctly. That balanced environment still definitely suits for you. Yep. Excellent. Absolutely. I would not wanna be pushing you up any further than where you're comfortable with because as you've said, the ups and downs are there. We've definitely felt them this year, and you are getting closer to that retirement aspect. So let's not push it beyond the bar, and, you know, it's great. Some years, you can get those amazing returns too, but I wouldn't wanna be pushing the risk level to get that for you. I'd rather it be more consistent average return that compounds over time and builds gradually Yeah. Yeah. A lot. Yes. Yep. It is. Yeah. Pretty scary. Yeah. Well, Hub twenty four is an ASX listed company. So they're on the ASX. They're a public company. They're actually one of the better platforms out there. They're not going anywhere. If by any chance, Hub twenty four did go broke and did, you don't you won't lose your money. So your money is invested in the managed funds. And if something was to happen with Hub twenty four, it would be known well in advance. There would be a problem. There would be, you know, people coming in to sort of either buy the platform or try to, you know, take something over. But if anything was to happen, because your is invested in investments, the platform is just like the vehicle. It just holds it just receives the money and then just allocate it into the investments. But your money is still invested in those other investments, and they can be moved to another platform. So there are aspects of security. Yeah. Yep. No. Correct. And that's that's probably the biggest thing is some of these older schemes were very differently run. They might are you sort of referring back to, like, the First Guardian types of things? Yes. Yes. Yes. No. I've I've I've been trying to get people out of First Guardian myself for a while now. It's very difficult. But, yeah, they unfortunately, those sorts of investments that wasn't a super fund as such, the First Guardian was an unlisted managed fund. It was a managed fund that was operated on platforms like Netwealth and Macquarie. Hub twenty four, to my understanding, hasn't had access to that, which is a good thing. But that was a managed fund that advisers and it made it very hard to get out. And other investments that people are struggling to get out of at the moment are also unlisted property, which have certain periods throughout the year where they open up withdrawals, and you can't get your money out in the year where they open up withdrawals, and you can't get your money out in between those withdrawal periods. So I've unfortunately had a little bit of experience with First Guardian and never recommended anyone to go into it, thankfully, but I have been trying to get people out of it for the past two years, and it has been very, very difficult to do so. People have lost a lot of money, and, unfortunately, the platforms when they like, I think Macquarie and Netwealth are probably the biggest two that have had that kind of an issue. They, unfortunately, were buying or giving people some money back, but it was only a fair value based on how much they had invested in the stock or in the managed fund, and they still came out at a loss. So people will, unfortunately, never see that money again. A lot of people had worked for forty or fifty years and were very close to retirement. It was very, very horrible. But, thankfully, what we have you in is ETFs. We do have a property fund, but it is very liquid and very easy to get you out of. We don't hold anything unlisted or really speculative like that. We make sure everything that you're invested in is liquid, can be sold within four weeks, at the very most, but it's easy to sell down if has to be because you don't need to be at anything that you can't get access to. So Yeah. Yeah. Yeah. Oh, absolutely. Absolutely. It is horrifying. But no. Oh, good. That's okay. My pleasure. No. It's all good. Thank you. Thank you. My pleasure. I'll let you go. You have a lovely night. It's probably dinner time for you. So you go and put your feet up. My pleasure. In three months' time. Absolutely. And when you get a chance, have a look at that email. If there's any questions in relation to those documents, let me know. Okay. All good. Thank you, Brad. I appreciate your time. Have a great night. Thanks. See you later. 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Brad. It's Dana from OQ Financial. How are you today? Yeah. I couldn't hear anything.\n\nI was like, oh, no. Did you answer? Am I leaving a message? That's it. No.\n\nAll I'm very well. Thank you. I had you booked in to go through you and your review today. Is now still a good time there for you? Yep.\n\nFantastic. How's your day been so far? Yep. Yep. Yeah.\n\nYeah. Yeah. No. I couldn't do that cold. Yeah.\n\nAbsolutely. And, look, I understand the cold down there because my husband's family are from Yonge, so Inland, New South Wales. And, yeah, they are quite okay with the cold. Yeah. Not my sort of code.\n\nUnderstandable. I'm sending through a copy of some annual review documents to kinda run through and give you an update on how things are going. Are you able to access your emails at the moment? If not, that's okay. No.\n\nNo. That's okay. Okay. Yeah. Yep.\n\nYep. That's okay. Honestly, it's not a problem. I've sent the documents through to you, so they will be in your emails when you get a second to have a bit of a look at them there. But just to give you a bit of an update, so as of your last annual review last year, your balance then was 397,562.\n\nAs of yesterday's date sorry. The twenty seventh. So Monday's date when these documents were prepared, your balance is now 419,817 and 22¢. So we have had a good increase in the last year on your balance, which is good. When I look at the overall performance over the last one year sorry.\n\nI'm seeing the right report in front of me. Over the last twelve months, the net return for after fees, you're up by 8.23%, which is fantastic. As a dollar figure, it shows your earnings, your growth plus your income within the fund is over $39,644. So you've had a really good year in the portfolio there. And since we made those changes with everything we did in the last few months with the advice documents, in the last three months, you're up by about 1.39%, which is earnings of over $7,800 in the last three months there as well.\n\nSo everything is tracking along and ticking really, really nicely, and that's definitely what we'd sort of hope and expect from the portfolio thus far. Yeah. That's okay. Yeah. That's okay.\n\nYep. Mhmm. Yeah. Yep. Yeah.\n\nPart of where we are. Yeah. Yeah. Absolutely. Yes.\n\nYes. Yep. Yep. Mhmm. Yep.\n\nYeah. Mhmm. Yep. Yep. Yeah.\n\nNo. That's that's completely understandable. On the other side of that, because the markets have been very up and down, it is also a good time to start contributing more. That way, when the markets are down, you do take more of an advantage of that. Essentially, if we by sort of waiting and holding on until the markets are not doing a lot better, you're essentially buying into an already increased market or an an upmarket.\n\nWhereas, realistically, with contributions, we wanna see them going in on a regular basis so that we're dollar cost averaging in over time. We're taking advantage of the markets when they are in a downtime, and then also continuing through the uptimes as well. The idea is that when you sort of stay hold, like, an investment state, I'm speaking with the, you know, the AAA cash or even just gold, if that was, you know, $50 per share one day and you put a $100 in, you buy two units of that share. If the next day has gone down, you still put a $100 in, say it's $50.20 dollars, it does mean that the overall balance has decreased slightly. But when you put that $100 in, you buy five of those shares rather than two.\n\nAnd then the market comes back, and you end up buying a few less. So you do end up buying more units overall, but I do understand where you're at. And that's absolutely fine. If you wanna hold off, you honestly can. But, yeah, I just wanted to give you the other side.\n\nYeah. Yeah. Yeah. Yeah. Yep.\n\nYeah. Yeah. Yep. Changed. Yeah.\n\nYep. Yes. Yes. Somebody? Yes.\n\nThat's absolutely fine. Yeah. Yeah. Yeah. Yep.\n\nYep. Yeah. Yeah. Yeah. Yeah.\n\nYeah. That's fantastic. Yes. Yeah. No.\n\nThat's absolutely fine. And while you've been sort of going through that, I've just pulled up a report to have a look at, obviously, from January until now. And, yeah, look. It does show that the return is a positive of 1.75%. So, realistically, when you look at January to now, it's not as good when you don't sort of factor in the last few the few months prior to that, and that is because of, obviously, the world generally.\n\nIt does show the earnings of the dollar figures over 11,997. So with the ups and downs that we have definitely seen this year in the market and the uncertainty, a lot of it was, you know, with what was happening between Iran and America early on. March and April was really the biggest point where we had those ups and downs where that was mostly in the news, and investors are really concerned about that. The other kind of side I'm not sure if I've pointed out last time as well, but the other sort of side that has sort of affected us here in Australia as well is the high inflationary rate. Because high inflation means that we're looking at higher interest rates, which means that people are less likely to borrow.\n\nIt does have an effect on bond rates as well. So that has sort of affected the super on the downside a little bit more. So I completely understand where you're going with that. And at the same time, I just provide the advice. It's up to you to be comfortable with taking it on.\n\nIf not, we'll just keep reviewing it. When if you are comfortable, let me know. We can always start it again. We can always review it as well. I just want you to end up with the best retirement possible.\n\nAnd the I the property side is good. Sorry. You're alright. Yeah. Yeah.\n\nYeah. Yeah. Yeah. Yep. No.\n\nDefinitely not. It's still very much appropriate. Yeah. Just because when we sort of did the the advice, it was also appropriate for what was happening in the market at that time, and that definitely hasn't changed as of yet. I do wanna make sure that we do keep reviewing everything with you and kind of make sure we update things as need be.\n\nWe've also done that investment switch now as well, so it'll be important to keep reviewing that and seeing a lot of that. When you sort of look at the return of the 1% there as well from January, it's also factoring in that advice that we recently did, which did have some investment changes in it. So it it's also factored in the changes in the investment. So I'd like to sort of watch it over the next, you know, three to six months and see where things are tracking. If we don't see any changes in the market conditions or if your performance isn't doing like what we would like to see, then we can go back to the drawing board.\n\nI'll definitely update the advice, reflect on the investments that are in there, and keep sort of working forward to that. Absolutely. Yeah. Yep. Yeah.\n\nYeah. Yeah. Oh, it's insane, isn't it? Yeah. Yeah.\n\nYeah. Yeah. Those changes that this came through are quite interesting. I I had to spend the last couple of weeks going through and pulling the legislation apart and really understanding it because you got you just so sorry. You said you wanted to look at investing in a property as well.\n\nYou still do you still wanna do that moving forward? Is that still kind of what you're still looking at doing? Yep. Yes. Okay.\n\nYeah. Yeah. Yep. Yeah. That's fine.\n\nLet me Yep. Yeah. Yeah. Yep. Yes.\n\nYes. Yes. Okay. Yes. Perfect.\n\nYep. Perfect. It is. It is. Have you guys talked about what the goal is with the property moving forward?\n\nSo if you're going to live in the new property and rent the one your current home out, are you sort of looking to just hold on to that into retire and continue to pay it down and then draw income from that? Or mhmm. Yep. Yep. Yeah.\n\nYes. Yep. Fantastic. Mhmm. Yep.\n\nWow. Yeah. Yep. Yeah. Yeah.\n\nYeah. Yep. Yep. Yep. Absolutely.\n\nYep. Yep. Yep. Yeah. That's right.\n\nAbsolutely. Yeah. Yep. Yep. Yep.\n\nYeah. Yeah. Yep. Yep. Yes.\n\nYep. Mhmm. Yep. Yeah. Absolutely.\n\nIt absolutely does. It's kind of what I would sort of say in the shorter term because I would never wanna invest money in, say, the share market that you're wanting to use generally in the next three years. If you we generally don't like to invest money in the shorter term because the markets are so up and down, so volatile that you do risk wanting to access that money in the short term at a down point, and this year's kinda showing us that. So I would never invest money that you're planning to access in the next three years. I would try to hold that off.\n\nA term deposit sounds great or even a high interest savings account. Just sort of have a look around at some of the the best ones out there. Generally speaking, if there is a lot of lending going on as well, your bank might be more willing to come to the party. So shop around for term deposit rates, and then let your bank know that you've got this. These are some of the rates on offer for the amount of money that you've got.\n\nAre they willing to come to the party? And they can, you know, try to get exemptions and try to get, you know, better rates for you as well to try and get the best rate possible. So definitely shop around. Yeah. It's something I used to be a banker, so I do remember doing that quite a lot.\n\nAnd when there is a bit of lending going on, so because we are sort of coming into a bit of a buyer's market with as much as interest rates are still quite high, there is still a lot of buying going on. The real estate agents I've been talking to haven't slowed down in any way, shape, or form. And I actually was talking to one recently, you know, asking about with the new changes to negative gearing and CGT, are they finding that investors are backing off? And they said no because investors still want growth. And investors are likely to hold on to a property in the short term anywhere, you know, between five to ten years to get the growth that they're after and then flip it, sell it off again.\n\nAnd with the way the new laws work, I had a look, and I didn't like it to begin with. But then after kind of pulling it apart, I can see some advantages to it where like, if the property is negatively good, as an example, you know, you've got income coming in off the property of $20,000 for the year, but your expenses are $40,000 for the year. Say you hold on to that property for ten years. Essentially, each tax time, they'll let you utilize out of the expenditure. They'll they'll mutually get a property.\n\nSo they'll let you account for $20,000 of the expenses. That extra $20,000 of expenditure, which would normally offset your income, then sits as a future loss, and it's carried forward indefinitely. So then if you hold that property for, say, ten years and you then sell it off and have, you know, a $500,000 CGT, they let you then carry those losses forward indefinitely and build them up to offset the capital gain at the very end. So down the track, it could have a much greater benefit rather than offsetting it on a yearly basis. Yeah.\n\nYeah. Yeah. Yeah. Yeah. Yeah.\n\nYeah. Not technically not not the best benefit out there because sometimes you sort of when we are higher income earners now, we kind of wanna try to offset as much of that income as possible. But I can sort of also see, you know, the reasoning behind doing it. So one of the other aspects is a lot of people buy property solely to negative gear the property. And one of the biggest things that a lot of people don't realize or don't take into account is that you actually can't enter a scheme.\n\nUnder the tax act, you can't just enter a scheme for the sole purpose of reducing tax. It's section four a of the income tax assessment act 1936 and 1997. And it basically states exactly that. And if the say the ATO was to provide an audit and go back over tax returns and look at what was actually being, you know, declared, if they, for any reason, found that you had bought that property solely to negative gear, solely to enter a scheme for the purpose of reducing tax, It's seen as a tax avoidance, and they can actually go back. And then all the benefits you've gotten, remove them and make you pay back that tax.\n\nSo it is I can see why they've done it. I don't always like it because I'm an investor. I have a property that I negatively gear, and I have done for three years now. But I didn't buy that property too negatively gear. I bought that for my kids to live in.\n\nI just made it cheap enough for them to live in so that it was negatively geared. But I can I can see both sides of the aspect, and I can see where it's a benefit, but also a downside and a negative there? So yeah. Yeah. Yeah.\n\nYeah. Absolutely. Yes. Yeah. Yeah.\n\nThat's it. No. Yeah. Yeah. No.\n\nNo. It is. It is. And I may no. No.\n\nLook. I'm with you there. I was staunch against this, and then I pulled the legislation apart. I was like, look. I can see the benefits.\n\nI don't fully hate this system, but I don't necessarily like it. And I can see where it is an advantage and a disadvantage. And I do I do think it would it is going to provide a disadvantage to mom and dad investors who are just trying to buy a property to, you know, help build on to help with the super or to, you know, utilize or to build wealth for their kids and things like that, there are definitely going to be disadvantages to the system, but it also could change. We you know, it passed, because the grains backed it. And in order for it to back, they also had changes to self made super funds and lending within that aspect as well.\n\nSo there was a lot of willing and dealing to get that through parliament. I know when it first was put in the budget on the May 12, we all came in the next day and sat there and went, well, what what is going on? Where is this coming from, and what is going to happen? And even the accounts I was talking to was shocked. They were like, this is going to make life very, very difficult, but I think it's been fun.\n\nIt's been a lot of fun. It's a good thing I enjoy reading. Thank you. Thanks. Yeah.\n\nYeah. Yeah. Yeah. Thank you. Well, I'm always here if you ever need anything or have any questions or you hear something that's just concerning, you can shoot me an email, give me a call.\n\nI do take a lot of calls off the cuff as well, so I don't book up my day crazy. I generally have about five to six calls a day. And then in between that, if someone calls and then needs me, I will always take the call, or I'll if I'm on the phone, I'll call back straight away. So, you know, if you need anything, have any questions, you hear something that's concerning, or you're just not sure, or you want me to read something and pull it apart for you, just let me know. I'm here to help you, and I'll definitely do that for you.\n\nNot an issue. Yeah. All good. Yeah. All good.\n\nYep. Yep. Yep. Yep. Yes.\n\nAbsolutely. Yeah. Absolutely. Yep. Absolutely.\n\nOn the right track. Correct. Yeah. Yep. Definitely.\n\nAnd moving forward, you know, once you get the property, we'll look at that as part of your overall retirement aspect as well. So if you are hoping to keep that in retirement and keep the income to supplement super, it does mean you can take less from your super to you know, which means longevity for super is much greater. It does affect the overall Centrelink aspect, which means you may not be eligible for Centrelink down the track. But there's other things that I can do. We have ways of sheltering money, if we can, and, you know, we can look at what else what else we can do out there.\n\nAnd if, you know, your wife is comfortable, we can look at everything as a whole as a family. So, it doesn't stop us. Yeah. Yep. Yep.\n\nYes. Yeah. Yep. Yeah. Yeah.\n\nYeah. Yes. Yep. Yep. Yeah.\n\nAbsolutely. Definitely. No. Perfect. Well, I definitely wanna make sure.\n\nAnd Samantha's got you in the calendar to make sure that we touch base in three months again to to catch up and see how things are going, re you know, redouble check what's happening with super, see how things are changing in your life. And if anything comes up in the meantime, don't hesitate. You don't have to wait for that three months. If you in a month or two's time, go, Dana, I need some extra help now, I will always make time so you're not limited. In in that path there, we do still have your ongoing service agreement for the next twelve months.\n\nIf you're happy to stay on board, I'll get you to sign and return that one back. And this is the ongoing service fee of 1.65%, which is deducted year so that's yearly. It's deducted a smaller monthly income instead of your super for my services, looking after everything, and continuously updating the advice there for you. Okay? Excellent.\n\nAll good. I just wanted to really quick double check. Income wise, has anything changed? You're still on 90,000. Have you had any increases there at all?\n\nYeah. Oh, fantastic. Yep. Oh, you deserve it anyway. That's okay.\n\nYep. Absolutely. Yeah. Absolutely. All good.\n\nWe had down here that you were expenditure wise was around about sort of 3 to 4,000 mark on a monthly basis. Has that kind of increased recently, or is it still fairly accurate? Yeah. Yep. Yep.\n\nYeah. Yes. Yep. Yep. Yep.\n\nYeah. Yeah. Yep. Is that the same? Yep.\n\nYeah. Absolutely. Not a problem. Okay. Yeah.\n\nYeah. Yeah. Yeah. Yeah. Yeah.\n\nYou mean incorporating her into the loan? Or Yeah. Yeah. Yeah. Yeah.\n\nNo. Look. There there honestly is. You can. Just make sure as long as she's got income coming in, she can be added into the serviceability, and that kinda works in your favor as well.\n\nBecause with her living at home, depending on the lender and the lender's criteria, she may be seen as more of a dependent, which means you may be serviced on her being a dependent, which costs you more money and does actually affect your servicing. If you were to incorporate her into the loan, she gets a bit of a she gets assessed as part of the loan as a borrower. It means that she's also liable for part of the loan, but it means that she gets a bit of a step into the market. She has borrowing you know, she has part of the the property. She's got some of the assets there, and it also means that she's assessed as a a single person.\n\nAnd you're not assessed as yeah. She's not assessed as your dependent, essentially. So it can help your assessment to do so. As long as she's earning income and it can be assessed, they will wanna scan her bank statements the same as yours and just sort of making sure that that works in with your goals as well. So just maybe have that chat to her and be like, look.\n\nIf this happened, this is what we're looking at doing. And then noting that down the track, if she decides to buy a different property, she may wanna buy out may want you to buy her out of that one. She might wanna keep part of that. It could be an estate planning thing where you pass that to her in the will anyway. So just having that conversation with her, but you absolutely can if she's comfortable to do so.\n\nYeah. Servicing could definitely it could increase your servicing capacity a little bit as well. So yeah. Yeah. Yeah.\n\nYeah. Beautiful. Absolutely. It could definitely give her a leg up too because if she starts with you guys, she's assessed as having part of the loan or part of the ownership at the property. But then later on down the track, if she's then wanting to buy another property, whether it be her main primary residence or an investment property down the track, she's already got one well, part of one property there.\n\nSo they can assess her part of the the property, you know, to to help her buy more. She's got an asset that can be part securitized. But yeah. Yeah. Yep.\n\nYeah. Yeah. Yep. That's a little bit. Yep.\n\nYeah. Oh, love that. Woman to my own heart. Yeah. Yeah.\n\nOh, good. Yes. Yeah. Oh, that's fantastic. Yeah.\n\nYeah. Yeah. The mortgage brokers would be that's okay. The mortgage brokers would be the best ones to sort of look at doing that. I believe don't quote me on it because it can change depending on the lender and the rules, but I believe she can access that.\n\nI think, though, if I'm thinking, though, if, let me double check it because she can as a first home buyer, but I'm not sure if it then goes on if she goes into, like, a co loan with you guys or not. I can have a look for you. That's okay. No. You're absolutely fine.\n\nYeah. It it is just purely in my name or mine and my husband's name for us just because as much as our daughters are 19 and 20 now, it was more just to help them. So one of my daughter's boyfriends moved over from WA, and my house is too small to have everyone in it. So we sort of went, well, we'll buy this. It's our kind of retirement plan as well, but we'll let you guys pay a little bit of rent to give you a little bit of growth outside of the home, and let you work out, you know, how to become adults that is still within the safety of something we own and control and help with.\n\nSo, yeah. Yeah. So It's saying here. So it's telling me that some states may allow it, but it depends on the state you're in and the rules at the time on whether it's a new or established home. So when you are just chatting to the mortgage broker about it, get them to double check and see if it's gonna be eligible based on where you look to buy and your circumstances.\n\nBecause, realistically, she's eligible for as she's never owned a home before, but it more just comes down to how much of this property is gonna be owned by you guys and how much is owned by her. If it's only a very small amount owned by her, it looks like she may not be eligible to do it. So it might also come down to how the loan is structured as well. Yeah. Yeah.\n\nYeah. Yeah. Absolutely. Yeah. Absolutely.\n\nNo. Definitely. Perfect. The only other thing I just wanted to quickly run through is just a risk profile questionnaire with you as well. Just making sure you're in that balanced environment.\n\nJust making sure that is still appropriate for you. Just with the risk profile questionnaire. So how would you sorta categorize yourself risk wise? Do you consider yourself happy to take on a higher amount of risk to get the best returns you can, a moderate or medium amount of risk to get the pot best possible returns, or a much smaller amount of risk knowing the returns are lower? Where would you sort of categorize yourself in there?\n\nYes. Yeah. Yep. Yep. Nope.\n\nYep. Yep. Yep. No. Absolutely.\n\nI've sort of put you at a three kind of in the middle range there at the moment. Happy to take on a a medium or moderate amount of risk to get the best returns you can, but making sure you've got a good safety net there as well. Yep. Yep. Yeah.\n\nYeah. Yes. Yeah. Yeah. Yeah.\n\nWow. Yeah. Yeah. Yes. Yeah.\n\nYeah. Yep. Yep. No. Absolutely.\n\nAll good. The next one here is how do you think you'd feel in the next sort of twelve months if the market took a big 20% drop? So if Trump was out there tweeting and say this war got worse and we did see a bit of a downtime. I know. And, look, investing in all markets, that is a possibility, but we certainly hope it definitely doesn't.\n\nBut do you think you'd be feeling cautious, concerned, anxious, or or or optimistic about the opportunities? Yes. Yeah. Yep. Yep.\n\nYeah. Yep. Nope. That's fine. Yeah.\n\nI've got you down here as being quite concerned about it. You'd be, you know, very, very stressed out, maybe giving us a call and going when is this supposed to come back and, you know, how bad is it likely to get. So I did put you down as a bit of a a three there being quite concerned. Am I on the right track with that still? Yep.\n\nMhmm. Yep. Yep. But understandable that it can. Yeah.\n\nYeah. Yep. No. That's fine. That's okay.\n\nI've Yes. Yeah. Yeah. No. Absolutely.\n\nYep. Yeah. Absolutely. And, look, in all honesty, I've had a lot of conversations with people this year about their risk tolerance, and a lot of people who I've noted in the past couple of years in their fifties who tell me they're high risk and are happy to be in that high growth environment when they see markets like what we have this year, whether it does dip. And in all honesty, the dip we saw around about March and April wasn't more than 3%.\n\nIt wasn't as large a dip as we have had in the past, but most people felt it pretty drastically because it was everywhere. It was in the news. It was all over the place. Everyone was talking about it, and it was felt. And a lot of people I've spoken to in the past have gone, yeah, I'm high risk.\n\nI want the great returns. When they see that, they're ringing going, oh my god. What is happening? And at that moment, I'm like, I don't really think you're high growth because you have to go through these downtimes to and allow your money to come back. So a lot of people were tested in a 3% drop to find out whether they really were comfortable taking on high risk.\n\nAnd, I mean, I know people in their thirties and forties who don't wanna be in that high risk environment. And as much as they have the time horizon ahead of them, it just makes them very nervous and concerned. And it's got a lot to do with past, you know, past history and how you're feeling in where you are in life. You're you've worked a whole lifetime. You're ready to retire.\n\nYou're close to it, and you've worked really hard to get the super balance you have. And super wasn't a thing until the early nineties, and it's been growing gradually, so it started off quite small. So it is very normal to be concerned. I wouldn't want you to be trying to take on more risk than what you're comfortable with because when the downtimes come and everyone feels the downtimes, you know, the idea is being in a balanced portfolio, which is that sixty forty split as opposed to a ninety ten split growth to defensive. You know, as much as you will still feel those down times and see, you know, those down times occur, you won't feel it as big as someone in that high growth environment there.\n\nSo I would not want you to feel like you have to take on more risk than you need to. There are other things we can do to offset the risk by increasing contributions in. When you do get your investment property, you When you do get your investment property and you are earning income, you know, if it's positively geared and the income is more than in what you're essentially spending or, you know, what the expenditure looks like, then there's income tax as a factor as well. So we can always, you know, utilize previous year's contributions if possible or use CapSpace to look at, you know, ways to offset some of that income so you're not paying a lot of tax. And because you are 59 now, happy birthday, essentially, you are very close to 60.\n\nAnd at 60, there's other strategies we can look at. We can look at that transition retirement strategy where we can increase your contributions up to the cap every year and put a lot more money into super, but we can also draw a little bit at to supplement your income as well, which gives you the benefit of reducing your taxable income because you're drawing a little bit of money out of super tax free, but you're putting more into super to have more invested. And that's a great strategy to boost over the last couple of years towards that 60 five age as well. Yeah. Yeah.\n\nYeah. Yeah. I know. I get a bit excited when people turn 60. I'm like, yes.\n\nLet's do it. They're all like, I'm 60. It's not great. And I'm like, yes. It is.\n\nIt's great. Trust me. 60 is amazing. That hype? That's okay.\n\nIf it comes back, just let me know. It's all good. Easy done. Beautiful. That's okay.\n\nWell, you look you are investing correctly. That balanced environment still definitely suits for you. Yep. Excellent. Absolutely.\n\nI would not wanna be pushing you up any further than where you're comfortable with because as you've said, the ups and downs are there. We've definitely felt them this year, and you are getting closer to that retirement aspect. So let's not push it beyond the bar, and, you know, it's great. Some years, you can get those amazing returns too, but I wouldn't wanna be pushing the risk level to get that for you. I'd rather it be more consistent average return that compounds over time and builds gradually Yeah.\n\nYeah. A lot. Yes. Yep. It is.\n\nYeah. Pretty scary. Yeah. Well, Hub twenty four is an ASX listed company. So they're on the ASX.\n\nThey're a public company. They're actually one of the better platforms out there. They're not going anywhere. If by any chance, Hub twenty four did go broke and did, you don't you won't lose your money. So your money is invested in the managed funds.\n\nAnd if something was to happen with Hub twenty four, it would be known well in advance. There would be a problem. There would be, you know, people coming in to sort of either buy the platform or try to, you know, take something over. But if anything was to happen, because your is invested in investments, the platform is just like the vehicle. It just holds it just receives the money and then just allocate it into the investments.\n\nBut your money is still invested in those other investments, and they can be moved to another platform. So there are aspects of security. Yeah. Yep. No.\n\nCorrect. And that's that's probably the biggest thing is some of these older schemes were very differently run. They might are you sort of referring back to, like, the First Guardian types of things? Yes. Yes.\n\nYes. No. I've I've I've been trying to get people out of First Guardian myself for a while now. It's very difficult. But, yeah, they unfortunately, those sorts of investments that wasn't a super fund as such, the First Guardian was an unlisted managed fund.\n\nIt was a managed fund that was operated on platforms like Netwealth and Macquarie. Hub twenty four, to my understanding, hasn't had access to that, which is a good thing. But that was a managed fund that advisers and it made it very hard to get out. And other investments that people are struggling to get out of at the moment are also unlisted property, which have certain periods throughout the year where they open up withdrawals, and you can't get your money out in the year where they open up withdrawals, and you can't get your money out in between those withdrawal periods. So I've unfortunately had a little bit of experience with First Guardian and never recommended anyone to go into it, thankfully, but I have been trying to get people out of it for the past two years, and it has been very, very difficult to do so.\n\nPeople have lost a lot of money, and, unfortunately, the platforms when they like, I think Macquarie and Netwealth are probably the biggest two that have had that kind of an issue. They, unfortunately, were buying or giving people some money back, but it was only a fair value based on how much they had invested in the stock or in the managed fund, and they still came out at a loss. So people will, unfortunately, never see that money again. A lot of people had worked for forty or fifty years and were very close to retirement. It was very, very horrible.\n\nBut, thankfully, what we have you in is ETFs. We do have a property fund, but it is very liquid and very easy to get you out of. We don't hold anything unlisted or really speculative like that. We make sure everything that you're invested in is liquid, can be sold within four weeks, at the very most, but it's easy to sell down if has to be because you don't need to be at anything that you can't get access to. So Yeah.\n\nYeah. Yeah. Oh, absolutely. Absolutely. It is horrifying.\n\nBut no. Oh, good. That's okay. My pleasure. No.\n\nIt's all good. Thank you. Thank you. My pleasure. I'll let you go.\n\nYou have a lovely night. It's probably dinner time for you. So you go and put your feet up. My pleasure. In three months' time.\n\nAbsolutely. And when you get a chance, have a look at that email. If there's any questions in relation to those documents, let me know. Okay. All good.\n\nThank you, Brad. I appreciate your time. Have a great night. Thanks. See you later.\n\nBye.","paragraphs":[{"sentences":[{"text":"Hi, Brad.","start":6.64,"end":7.2,"sentiment":"neutral","sentiment_score":0.03314513713121414},{"text":"It's Dana from OQ Financial.","start":7.2,"end":8.88,"sentiment":"neutral","sentiment_score":0.07015209421515464},{"text":"How are you today?","start":8.88,"end":9.86,"sentiment":"neutral","sentiment_score":0.046498104464262724},{"text":"Yeah.","start":13.375,"end":13.775001,"sentiment":"neutral","sentiment_score":-0.17889343202114105},{"text":"I couldn't hear anything.","start":13.775001,"end":14.815001,"sentiment":"neutral","sentiment_score":-0.28434737026691437}],"sentiment":"neutral","sentiment_score":-0.04457748436834663,"num_words":16,"start":6.64,"end":14.815001},{"sentences":[{"text":"I was like, oh, no.","start":14.815001,"end":15.615,"sentiment":"neutral","sentiment_score":-0.21578722298145295},{"text":"Did you answer?","start":15.615,"end":16.415,"sentiment":"neutral","sentiment_score":-0.12193668136994044},{"text":"Am I leaving a message?","start":16.415,"end":17.555,"sentiment":"neutral","sentiment_score":-0.12041878253221512},{"text":"That's it.","start":21.615,"end":22.515,"sentiment":"neutral","sentiment_score":-0.11059120297431946},{"text":"No.","start":24.015,"end":24.494999,"sentiment":"neutral","sentiment_score":-0.10618368536233902}],"sentiment":"neutral","sentiment_score":-0.14838788518682122,"num_words":16,"start":14.815001,"end":24.494999},{"sentences":[{"text":"All I'm very well.","start":24.494999,"end":25.935001,"sentiment":"neutral","sentiment_score":0.31061917915940285},{"text":"Thank you.","start":25.935001,"end":26.575,"sentiment":"positive","sentiment_score":0.5247337520122528},{"text":"I had you booked in to go through you and your review today.","start":26.575,"end":30.786957,"sentiment":"neutral","sentiment_score":0.22523555503441736},{"text":"Is now still a good time there for you?","start":30.853697,"end":35.88761,"sentiment":"neutral","sentiment_score":0.11547975138657623},{"text":"Yep.","start":35.95435,"end":36.45435,"sentiment":"neutral","sentiment_score":0.18151061236858368}],"sentiment":"neutral","sentiment_score":0.2220977521019763,"num_words":29,"start":24.494999,"end":36.45435},{"sentences":[{"text":"Fantastic.","start":36.521088,"end":37.021088,"sentiment":"positive","sentiment_score":0.377937376499176},{"text":"How's your day been so far?","start":37.087826,"end":40.421524,"sentiment":"neutral","sentiment_score":0.056428116435805954},{"text":"Yep.","start":40.488262,"end":40.988262,"sentiment":"neutral","sentiment_score":0.01990962401032448},{"text":"Yep.","start":41.535,"end":42.035,"sentiment":"neutral","sentiment_score":0.03902943432331085},{"text":"Yeah.","start":47.935,"end":48.435,"sentiment":"neutral","sentiment_score":0.031232580542564392}],"sentiment":"neutral","sentiment_score":0.08066777139902115,"num_words":10,"start":36.521088,"end":48.435},{"sentences":[{"text":"Yeah.","start":52.975,"end":53.475,"sentiment":"neutral","sentiment_score":-0.0468425452709198},{"text":"Yeah.","start":61.489998,"end":61.989998,"sentiment":"neutral","sentiment_score":-0.03723019361495972},{"text":"No.","start":62.05,"end":62.53,"sentiment":"neutral","sentiment_score":-0.1791399121284485},{"text":"I couldn't do that cold.","start":62.53,"end":64.31,"sentiment":"neutral","sentiment_score":-0.23076985478401185},{"text":"Yeah.","start":68.835,"end":69.315,"sentiment":"neutral","sentiment_score":0.018816059455275536}],"sentiment":"neutral","sentiment_score":-0.1553606517199013,"num_words":9,"start":52.975,"end":69.315},{"sentences":[{"text":"Absolutely.","start":69.315,"end":69.815,"sentiment":"neutral","sentiment_score":0.044455636292696},{"text":"And, look, I understand the cold down there because my husband's family are from Yonge, so Inland, New South Wales.","start":70.195,"end":75.815,"sentiment":"neutral","sentiment_score":0.003760313801467419},{"text":"And, yeah, they are quite okay with the cold.","start":76.275,"end":79.735,"sentiment":"neutral","sentiment_score":-0.05705076124933031},{"text":"Yeah.","start":80.515,"end":81.015,"sentiment":"neutral","sentiment_score":-0.035427026450634},{"text":"Not my sort of code.","start":81.4,"end":87.42,"sentiment":"neutral","sentiment_score":-0.08552311360836029}],"sentiment":"neutral","sentiment_score":-0.02380104259484344,"num_words":36,"start":69.315,"end":87.42},{"sentences":[{"text":"Understandable.","start":89.159996,"end":89.659996,"sentiment":"neutral","sentiment_score":-0.01206271257251501},{"text":"I'm sending through a copy of some annual review documents to kinda run through and give you an update on how things are going.","start":90.84,"end":96.615005,"sentiment":"neutral","sentiment_score":0.023369110887870193},{"text":"Are you able to access your emails at the moment?","start":96.615005,"end":99.195,"sentiment":"neutral","sentiment_score":-0.009827431477606296},{"text":"If not, that's okay.","start":99.33501,"end":100.475006,"sentiment":"neutral","sentiment_score":-0.11443749815225601},{"text":"No.","start":103.175,"end":103.675,"sentiment":"neutral","sentiment_score":-0.1756397783756256}],"sentiment":"neutral","sentiment_score":-0.004571703425608575,"num_words":40,"start":89.159996,"end":103.675},{"sentences":[{"text":"No.","start":106.055,"end":106.555,"sentiment":"neutral","sentiment_score":-0.06560119986534119},{"text":"That's okay.","start":107.015,"end":107.64,"sentiment":"neutral","sentiment_score":0.2029067501425743},{"text":"Okay.","start":109.159996,"end":109.659996,"sentiment":"neutral","sentiment_score":0.023281406611204147},{"text":"Yeah.","start":110.84,"end":111.34,"sentiment":"neutral","sentiment_score":0.018351642414927483},{"text":"Yep.","start":113.64,"end":114.14,"sentiment":"neutral","sentiment_score":0.023694615811109543}],"sentiment":"neutral","sentiment_score":0.0675899942095081,"num_words":6,"start":106.055,"end":114.14},{"sentences":[{"text":"Yep.","start":115.32,"end":115.82,"sentiment":"neutral","sentiment_score":0.011116616427898409},{"text":"That's okay.","start":120.6,"end":121.32,"sentiment":"neutral","sentiment_score":0.2026955932378769},{"text":"Honestly, it's not a problem.","start":121.32,"end":122.795,"sentiment":"neutral","sentiment_score":0.28484936654567716},{"text":"I've sent the documents through to you, so they will be in your emails when you get a second to have a bit of a look at them there.","start":122.795,"end":128.095,"sentiment":"neutral","sentiment_score":0.17509007171310229},{"text":"But just to give you a bit of an update, so as of your last annual review last year, your balance then was 397,562.","start":128.475,"end":137.69499,"sentiment":"neutral","sentiment_score":0.04381135362200439}],"sentiment":"neutral","sentiment_score":0.13065310167606736,"num_words":61,"start":115.32,"end":137.69499},{"sentences":[{"text":"As of yesterday's date sorry.","start":138.34999,"end":140.82999,"sentiment":"neutral","sentiment_score":0.024993215501308442},{"text":"The twenty seventh.","start":140.82999,"end":141.54999,"sentiment":"neutral","sentiment_score":0.0149001848573486},{"text":"So Monday's date when these documents were prepared, your balance is now 419,817 and 22¢.","start":141.54999,"end":149.62999,"sentiment":"neutral","sentiment_score":0.12523027349795615},{"text":"So we have had a good increase in the last year on your balance, which is good.","start":149.62999,"end":154.70499,"sentiment":"positive","sentiment_score":0.6541230275350458},{"text":"When I look at the overall performance over the last one year sorry.","start":156.125,"end":161.405,"sentiment":"neutral","sentiment_score":0.2871702422316258}],"sentiment":"neutral","sentiment_score":0.3226191361184017,"num_words":53,"start":138.34999,"end":161.405},{"sentences":[{"text":"I'm seeing the right report in front of me.","start":161.405,"end":163.4,"sentiment":"positive","sentiment_score":0.5052889287471771},{"text":"Over the last twelve months, the net return for after fees, you're up by 8.23%, which is fantastic.","start":163.4,"end":170.7,"sentiment":"positive","sentiment_score":0.66112752755483},{"text":"As a dollar figure, it shows your earnings, your growth plus your income within the fund is over $39,644.","start":171.79999,"end":179.865,"sentiment":"positive","sentiment_score":0.4830674764357115},{"text":"So you've had a really good year in the portfolio there.","start":179.865,"end":183.80501,"sentiment":"positive","sentiment_score":0.7007229084318335},{"text":"And since we made those changes with everything we did in the last few months with the advice documents, in the last three months, you're up by about 1.39%, which is earnings of over $7,800 in the last three months there as well.","start":184.505,"end":199.04999,"sentiment":"positive","sentiment_score":0.38193356401698536}],"sentiment":"positive","sentiment_score":0.4975727315247059,"num_words":100,"start":161.405,"end":199.04999},{"sentences":[{"text":"So everything is tracking along and ticking really, really nicely, and that's definitely what we'd sort of hope and expect from the portfolio thus far.","start":199.04999,"end":207.28499,"sentiment":"positive","sentiment_score":0.5996288406848908},{"text":"Yeah.","start":207.28499,"end":207.78499,"sentiment":"neutral","sentiment_score":0.020153548568487167},{"text":"That's okay.","start":214.72499,"end":215.465,"sentiment":"neutral","sentiment_score":-0.027824530377984047},{"text":"Yeah.","start":218.805,"end":219.305,"sentiment":"neutral","sentiment_score":-0.19148968160152435},{"text":"That's okay.","start":221.685,"end":222.3,"sentiment":"neutral","sentiment_score":-0.11108709871768951}],"sentiment":"positive","sentiment_score":0.46908263309348014,"num_words":31,"start":199.04999,"end":222.3},{"sentences":[{"text":"Yep.","start":232.14,"end":232.64,"sentiment":"neutral","sentiment_score":-0.06500080972909927},{"text":"Mhmm.","start":234.46,"end":234.96,"sentiment":"neutral","sentiment_score":-0.01671564392745495},{"text":"Yeah.","start":237.74,"end":237.975,"sentiment":"neutral","sentiment_score":0.03612876683473587},{"text":"Yep.","start":239.41501,"end":239.91501,"sentiment":"neutral","sentiment_score":0.08615995943546295},{"text":"Yeah.","start":240.455,"end":240.955,"sentiment":"neutral","sentiment_score":0.07158213108778}],"sentiment":"neutral","sentiment_score":0.02243088074028492,"num_words":5,"start":232.14,"end":240.955},{"sentences":[{"text":"Part of where we are.","start":249.095,"end":250.315,"sentiment":"neutral","sentiment_score":-0.03591146655380726},{"text":"Yeah.","start":250.615,"end":250.83,"sentiment":"neutral","sentiment_score":0.1357019543647766},{"text":"Yeah.","start":251.15001,"end":251.47,"sentiment":"neutral","sentiment_score":0.22159382700920105},{"text":"Absolutely.","start":251.47,"end":251.97,"sentiment":"positive","sentiment_score":0.4556730389595032},{"text":"Yes.","start":259.39,"end":259.89,"sentiment":"neutral","sentiment_score":0.07895590364933014}],"sentiment":"neutral","sentiment_score":0.07915193235708608,"num_words":9,"start":249.095,"end":259.89},{"sentences":[{"text":"Yes.","start":260.19,"end":260.69,"sentiment":"neutral","sentiment_score":0.05972366780042648},{"text":"Yep.","start":263.23,"end":263.73,"sentiment":"neutral","sentiment_score":-0.04645943641662598},{"text":"Yep.","start":263.87,"end":264.075,"sentiment":"neutral","sentiment_score":-0.03562304377555847},{"text":"Mhmm.","start":271.27502,"end":271.77502,"sentiment":"neutral","sentiment_score":-0.04347694665193558},{"text":"Yep.","start":272.71503,"end":273.21503,"sentiment":"neutral","sentiment_score":-0.07774242013692856}],"sentiment":"neutral","sentiment_score":-0.02871563583612442,"num_words":5,"start":260.19,"end":273.21503},{"sentences":[{"text":"Yeah.","start":291.05,"end":291.495,"sentiment":"neutral","sentiment_score":-0.1106150895357132},{"text":"Mhmm.","start":301.735,"end":302.235,"sentiment":"neutral","sentiment_score":-0.06235495209693909},{"text":"Yep.","start":302.85498,"end":303.35498,"sentiment":"neutral","sentiment_score":0.07300227135419846},{"text":"Yep.","start":306.455,"end":306.935,"sentiment":"neutral","sentiment_score":0.08248084038496017},{"text":"Yeah.","start":306.935,"end":307.175,"sentiment":"neutral","sentiment_score":0.04761509969830513}],"sentiment":"neutral","sentiment_score":0.006025633960962296,"num_words":5,"start":291.05,"end":307.175},{"sentences":[{"text":"No.","start":307.175,"end":307.47,"sentiment":"neutral","sentiment_score":-0.05434427410364151},{"text":"That's that's completely understandable.","start":307.87,"end":309.33,"sentiment":"neutral","sentiment_score":-0.06423144042491913},{"text":"On the other side of that, because the markets have been very up and down, it is also a good time to start contributing more.","start":310.11002,"end":316.19,"sentiment":"neutral","sentiment_score":-0.0014497639238834387},{"text":"That way, when the markets are down, you do take more of an advantage of that.","start":316.19,"end":320.05,"sentiment":"neutral","sentiment_score":0.019018439343199134},{"text":"Essentially, if we by sort of waiting and holding on until the markets are not doing a lot better, you're essentially buying into an already increased market or an an upmarket.","start":320.83,"end":332.715,"sentiment":"neutral","sentiment_score":0.04618919797001347}],"sentiment":"neutral","sentiment_score":0.01803436406053506,"num_words":77,"start":307.175,"end":332.715},{"sentences":[{"text":"Whereas, realistically, with contributions, we wanna see them going in on a regular basis so that we're dollar cost averaging in over time.","start":332.855,"end":339.69,"sentiment":"neutral","sentiment_score":0.17037458782610687},{"text":"We're taking advantage of the markets when they are in a downtime, and then also continuing through the uptimes as well.","start":339.69,"end":346.66998,"sentiment":"neutral","sentiment_score":0.11718018665643674},{"text":"The idea is that when you sort of stay hold, like, an investment state, I'm speaking with the, you know, the AAA cash or even just gold, if that was, you know, $50 per share one day and you put a $100 in, you buy two units of that share.","start":347.12997,"end":362.485,"sentiment":"neutral","sentiment_score":0.004928151071071625},{"text":"If the next day has gone down, you still put a $100 in, say it's $50.20 dollars, it does mean that the overall balance has decreased slightly.","start":362.625,"end":371.45,"sentiment":"neutral","sentiment_score":-0.21798592585104484},{"text":"But when you put that $100 in, you buy five of those shares rather than two.","start":371.45,"end":375.53,"sentiment":"neutral","sentiment_score":-0.04256537323817611}],"sentiment":"neutral","sentiment_score":0.00043168630328600425,"num_words":137,"start":332.855,"end":375.53},{"sentences":[{"text":"And then the market comes back, and you end up buying a few less.","start":375.53,"end":378.585,"sentiment":"neutral","sentiment_score":-0.05929289758205414},{"text":"So you do end up buying more units overall, but I do understand where you're at.","start":378.585,"end":383.225,"sentiment":"neutral","sentiment_score":0.13065161160193384},{"text":"And that's absolutely fine.","start":383.225,"end":384.26498,"sentiment":"positive","sentiment_score":0.39740491658449173},{"text":"If you wanna hold off, you honestly can.","start":384.26498,"end":386.685,"sentiment":"neutral","sentiment_score":0.11355754360556602},{"text":"But, yeah, I just wanted to give you the other 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absolutely fine.","start":487.01,"end":488.385,"sentiment":"positive","sentiment_score":0.49465704957644147},{"text":"Yeah.","start":488.86502,"end":489.36502,"sentiment":"neutral","sentiment_score":0.06361009925603867},{"text":"Yeah.","start":492.065,"end":492.565,"sentiment":"neutral","sentiment_score":-0.027976056560873985},{"text":"Yeah.","start":493.98502,"end":494.48502,"sentiment":"neutral","sentiment_score":-0.059414975345134735},{"text":"Yep.","start":497.345,"end":497.845,"sentiment":"neutral","sentiment_score":-0.07014314085245132}],"sentiment":"neutral","sentiment_score":0.1985781536038433,"num_words":7,"start":487.01,"end":497.845},{"sentences":[{"text":"Yep.","start":503.105,"end":503.52,"sentiment":"neutral","sentiment_score":0.06374850124120712},{"text":"Yeah.","start":503.68,"end":504.18,"sentiment":"neutral","sentiment_score":0.06916199624538422},{"text":"Yeah.","start":518.16,"end":518.32,"sentiment":"neutral","sentiment_score":0.09076547622680664},{"text":"Yeah.","start":518.32,"end":518.82,"sentiment":"neutral","sentiment_score":0.1188243255019188},{"text":"Yeah.","start":519.12,"end":519.375,"sentiment":"neutral","sentiment_score":0.16384755074977875}],"sentiment":"neutral","sentiment_score":0.1012695699930191,"num_words":5,"start":503.105,"end":519.375},{"sentences":[{"text":"Yeah.","start":532.255,"end":532.755,"sentiment":"neutral","sentiment_score":0.1540001779794693},{"text":"That's fantastic.","start":532.895,"end":534.02997,"sentiment":"positive","sentiment_score":0.6233062744140625},{"text":"Yes.","start":536.81,"end":537.31,"sentiment":"neutral","sentiment_score":0.1333094835281372},{"text":"Yeah.","start":537.45,"end":537.85,"sentiment":"neutral","sentiment_score":0.10394462943077087},{"text":"No.","start":537.85,"end":538.08997,"sentiment":"neutral","sentiment_score":0.0059934258460998535}],"sentiment":"neutral","sentiment_score":0.2739767109354337,"num_words":6,"start":532.255,"end":538.08997},{"sentences":[{"text":"That's absolutely fine.","start":538.08997,"end":539.45,"sentiment":"neutral","sentiment_score":0.13685362537701926},{"text":"And while you've been sort of going through that, I've just pulled up a report to have a look at, obviously, from January until now.","start":539.45,"end":545.95,"sentiment":"neutral","sentiment_score":0.02429999575018883},{"text":"And, yeah, look.","start":546.565,"end":547.125,"sentiment":"neutral","sentiment_score":0.07435328761736552},{"text":"It does show that the return is a positive of 1.75%.","start":547.125,"end":551.285,"sentiment":"neutral","sentiment_score":0.16815200786698947},{"text":"So, realistically, when you look at January to now, it's not as good when you don't sort of factor in the last few the few months prior to that, and that is because of, obviously, the world generally.","start":551.285,"end":561.305,"sentiment":"neutral","sentiment_score":-0.22885152383854515}],"sentiment":"neutral","sentiment_score":-0.07006956483237445,"num_words":80,"start":538.08997,"end":561.305},{"sentences":[{"text":"It does show the earnings of the dollar figures over 11,997.","start":562.09,"end":566.81,"sentiment":"neutral","sentiment_score":0.08991188860752365},{"text":"So with the ups and downs that we have definitely seen this year in the market and the uncertainty, a lot of it was, you know, with what was happening between Iran and America early on.","start":566.81,"end":578.97504,"sentiment":"neutral","sentiment_score":-0.24519660158289802},{"text":"March and April was really the biggest point where we had those ups and downs where that was mostly in the news, and investors are really concerned about that.","start":578.97504,"end":587.075,"sentiment":"neutral","sentiment_score":-0.23988835410825138},{"text":"The other kind of side I'm not sure if I've pointed out last time as well, but the other sort of side that has sort of affected us here in Australia as well is the high inflationary rate.","start":587.85504,"end":596.86,"sentiment":"neutral","sentiment_score":-0.21238222679025248},{"text":"Because high inflation means that we're looking at higher interest rates, which means that people are less likely to borrow.","start":596.86,"end":603.76,"sentiment":"negative","sentiment_score":-0.36387394070625306}],"sentiment":"neutral","sentiment_score":-0.22494636256414563,"num_words":134,"start":562.09,"end":603.76},{"sentences":[{"text":"It does have an effect on bond rates as well.","start":604.315,"end":607.035,"sentiment":"negative","sentiment_score":-0.3346671164035797},{"text":"So that has sort of affected the super on the downside a little bit more.","start":607.035,"end":610.95496,"sentiment":"negative","sentiment_score":-0.3514419476191203},{"text":"So I completely understand where you're going with that.","start":610.95496,"end":613.855,"sentiment":"neutral","sentiment_score":-0.05291841096348233},{"text":"And at the same time, I just provide the advice.","start":614.15497,"end":617.23,"sentiment":"neutral","sentiment_score":0.1388234429061413},{"text":"It's up to you to be comfortable with taking it on.","start":617.23,"end":619.55,"sentiment":"neutral","sentiment_score":0.2268555692651055}],"sentiment":"neutral","sentiment_score":-0.09474400701847943,"num_words":55,"start":604.315,"end":619.55},{"sentences":[{"text":"If not, we'll just keep reviewing it.","start":619.55,"end":621.49,"sentiment":"neutral","sentiment_score":0.10337960932935987},{"text":"When if you are comfortable, let me know.","start":622.02997,"end":624.11,"sentiment":"neutral","sentiment_score":0.1968053001910448},{"text":"We can always start it again.","start":624.11,"end":625.47,"sentiment":"positive","sentiment_score":0.362052857875824},{"text":"We can always review it as well.","start":625.47,"end":627.25,"sentiment":"positive","sentiment_score":0.43502633912222727},{"text":"I just want you to end up with the best retirement possible.","start":627.55,"end":630.13,"sentiment":"positive","sentiment_score":0.4767417833209038}],"sentiment":"neutral","sentiment_score":0.33091256469488145,"num_words":40,"start":619.55,"end":630.13},{"sentences":[{"text":"And the I the property side is good.","start":631.535,"end":633.635,"sentiment":"neutral","sentiment_score":0.20992452092468739},{"text":"Sorry.","start":634.65497,"end":634.975,"sentiment":"neutral","sentiment_score":0.010681990534067154},{"text":"You're alright.","start":634.975,"end":635.71497,"sentiment":"neutral","sentiment_score":0.053544310852885246},{"text":"Yeah.","start":636.175,"end":636.495,"sentiment":"neutral","sentiment_score":0.05018133670091629},{"text":"Yeah.","start":636.495,"end":636.995,"sentiment":"neutral","sentiment_score":0.04414214938879013}],"sentiment":"neutral","sentiment_score":0.14549925120977256,"num_words":13,"start":631.535,"end":636.995},{"sentences":[{"text":"Yeah.","start":643.775,"end":644.275,"sentiment":"neutral","sentiment_score":-0.020083781331777573},{"text":"Yeah.","start":644.42004,"end":644.92004,"sentiment":"neutral","sentiment_score":-0.010809782892465591},{"text":"Yeah.","start":654.26,"end":654.51,"sentiment":"neutral","sentiment_score":0.04176995903253555},{"text":"Yep.","start":654.51,"end":655.01,"sentiment":"neutral","sentiment_score":0.1798648238182068},{"text":"No.","start":659.715,"end":659.835,"sentiment":"neutral","sentiment_score":-0.12869030237197876}],"sentiment":"neutral","sentiment_score":0.012410183250904084,"num_words":5,"start":643.775,"end":659.835},{"sentences":[{"text":"Definitely not.","start":659.835,"end":660.11505,"sentiment":"neutral","sentiment_score":-0.16951337456703186},{"text":"It's still very much appropriate.","start":660.11505,"end":661.655,"sentiment":"neutral","sentiment_score":-0.08669955655932426},{"text":"Yeah.","start":662.11505,"end":662.59503,"sentiment":"neutral","sentiment_score":0.06396272033452988},{"text":"Just because when we sort of did the the advice, it was also appropriate for what was happening in the market at that time, and that definitely hasn't changed as of yet.","start":662.59503,"end":670.935,"sentiment":"neutral","sentiment_score":0.06244050327222794},{"text":"I do wanna make sure that we do keep reviewing everything with you and kind of make sure we update things as need be.","start":671.23505,"end":677.08,"sentiment":"neutral","sentiment_score":0.19738321689267954}],"sentiment":"neutral","sentiment_score":0.09416767966467887,"num_words":64,"start":659.835,"end":677.08},{"sentences":[{"text":"We've also done that investment switch now as well, so it'll be important to keep reviewing that and seeing a lot of that.","start":677.62,"end":683.38,"sentiment":"neutral","sentiment_score":0.1476099939773912},{"text":"When you sort of look at the return of the 1% there as well from January, it's also factoring in that advice that we recently did, which did have some investment changes in it.","start":683.38,"end":691.97504,"sentiment":"neutral","sentiment_score":0.08602641917326871},{"text":"So it it's also factored in the changes in the investment.","start":691.97504,"end":695.655,"sentiment":"neutral","sentiment_score":0.14388372139497238},{"text":"So I'd like to sort of watch it over the next, you know, three to six months and see where things are tracking.","start":695.655,"end":700.635,"sentiment":"neutral","sentiment_score":0.11892882928900096},{"text":"If we don't see any changes in the market conditions or if your performance isn't doing like what we would like to see, then we can go back to the drawing board.","start":701.015,"end":709.98004,"sentiment":"neutral","sentiment_score":-0.17429180874023587}],"sentiment":"neutral","sentiment_score":0.041143693029880524,"num_words":123,"start":677.62,"end":709.98004},{"sentences":[{"text":"I'll definitely update the advice, reflect on the investments that are in there, and keep sort of working forward to that.","start":709.98004,"end":716.30005,"sentiment":"neutral","sentiment_score":0.10465602470295769},{"text":"Absolutely.","start":716.30005,"end":716.80005,"sentiment":"neutral","sentiment_score":0.2035558521747589},{"text":"Yeah.","start":717.74005,"end":718.155,"sentiment":"neutral","sentiment_score":0.1293435096740723},{"text":"Yep.","start":719.11505,"end":719.61505,"sentiment":"neutral","sentiment_score":0.1996944397687912},{"text":"Yeah.","start":720.075,"end":720.575,"sentiment":"neutral","sentiment_score":0.06687195599079132}],"sentiment":"neutral","sentiment_score":0.11188969105482101,"num_words":25,"start":709.98004,"end":720.575},{"sentences":[{"text":"Yeah.","start":721.43506,"end":721.93506,"sentiment":"neutral","sentiment_score":-0.2016030102968216},{"text":"Yeah.","start":731.59503,"end":732.0,"sentiment":"neutral","sentiment_score":-0.2322369813919067},{"text":"Oh, it's insane, isn't it?","start":734.64,"end":736.66,"sentiment":"neutral","sentiment_score":-0.32139238715171814},{"text":"Yeah.","start":737.84,"end":738.34,"sentiment":"neutral","sentiment_score":-0.15277090668678284},{"text":"Yeah.","start":738.72,"end":739.22,"sentiment":"neutral","sentiment_score":-0.12659713625907898}],"sentiment":"neutral","sentiment_score":-0.2577966633770201,"num_words":9,"start":721.43506,"end":739.22},{"sentences":[{"text":"Yeah.","start":741.92,"end":742.42,"sentiment":"neutral","sentiment_score":-0.2962585687637329},{"text":"Yeah.","start":746.055,"end":746.555,"sentiment":"neutral","sentiment_score":-0.05916836112737656},{"text":"Those changes that this came through are quite interesting.","start":746.69495,"end":749.19495,"sentiment":"neutral","sentiment_score":-0.08004585694935587},{"text":"I I had to spend the last couple of weeks going through and pulling the legislation apart and really understanding it because you got you just so sorry.","start":749.25494,"end":756.855,"sentiment":"neutral","sentiment_score":-0.11060673104865211},{"text":"You said you wanted to look at investing in a property as well.","start":756.855,"end":760.12006,"sentiment":"neutral","sentiment_score":-0.03326676012231754}],"sentiment":"neutral","sentiment_score":-0.08856338448822498,"num_words":52,"start":741.92,"end":760.12006},{"sentences":[{"text":"You still do you still wanna do that moving forward?","start":760.12006,"end":762.36005,"sentiment":"neutral","sentiment_score":0.027002060413360597},{"text":"Is that still kind of what you're still looking at doing?","start":762.36005,"end":764.86005,"sentiment":"neutral","sentiment_score":0.01272600203413855},{"text":"Yep.","start":773.88,"end":774.045,"sentiment":"neutral","sentiment_score":0.06099940836429596},{"text":"Yes.","start":781.96497,"end":782.46497,"sentiment":"neutral","sentiment_score":0.17365285754203796},{"text":"Okay.","start":790.5,"end":791.0,"sentiment":"neutral","sentiment_score":0.11021210998296738}],"sentiment":"neutral","sentiment_score":0.03145295843326797,"num_words":24,"start":760.12006,"end":791.0},{"sentences":[{"text":"Yeah.","start":793.06,"end":793.56,"sentiment":"neutral","sentiment_score":0.07217050343751907},{"text":"Yeah.","start":801.35504,"end":801.85504,"sentiment":"neutral","sentiment_score":0.029879335314035416},{"text":"Yep.","start":811.91504,"end":812.23505,"sentiment":"neutral","sentiment_score":0.1159561574459076},{"text":"Yeah.","start":812.23505,"end":812.73,"sentiment":"neutral","sentiment_score":0.1547795832157135},{"text":"That's fine.","start":812.81,"end":813.47,"sentiment":"neutral","sentiment_score":0.2582974284887314}],"sentiment":"neutral","sentiment_score":0.14823007273177305,"num_words":6,"start":793.06,"end":813.47},{"sentences":[{"text":"Let me 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is.","start":866.11005,"end":866.83,"sentiment":"neutral","sentiment_score":-0.15935204923152924},{"text":"It is.","start":866.83,"end":867.55005,"sentiment":"neutral","sentiment_score":-0.04562235623598099},{"text":"Have you guys talked about what the goal is with the property moving forward?","start":867.55005,"end":870.67004,"sentiment":"neutral","sentiment_score":0.08793647880000728}],"sentiment":"neutral","sentiment_score":0.07688171546906233,"num_words":20,"start":860.465,"end":870.67004},{"sentences":[{"text":"So if you're going to live in the new property and rent the one your current home out, are you sort of looking to just hold on to that into retire and continue to pay it down and then draw income from that?","start":870.67004,"end":883.905,"sentiment":"neutral","sentiment_score":0.03750586492377658},{"text":"Or mhmm.","start":883.905,"end":887.685,"sentiment":"neutral","sentiment_score":-0.012150180526077749},{"text":"Yep.","start":894.465,"end":894.66,"sentiment":"neutral","sentiment_score":-0.027873044833540916},{"text":"Yep.","start":904.98,"end":905.48,"sentiment":"neutral","sentiment_score":0.006348503287881613},{"text":"Yeah.","start":919.475,"end":919.975,"sentiment":"neutral","sentiment_score":0.02759448252618313}],"sentiment":"neutral","sentiment_score":0.03321920357605753,"num_words":48,"start":870.67004,"end":919.975},{"sentences":[{"text":"Yes.","start":926.33997,"end":926.83997,"sentiment":"neutral","sentiment_score":0.05511258542537689},{"text":"Yep.","start":928.42,"end":928.92,"sentiment":"neutral","sentiment_score":0.26371651887893677},{"text":"Fantastic.","start":937.475,"end":937.975,"sentiment":"positive","sentiment_score":0.8337386846542358},{"text":"Mhmm.","start":943.475,"end":943.555,"sentiment":"neutral","sentiment_score":0.1421501785516739},{"text":"Yep.","start":943.555,"end":944.055,"sentiment":"neutral","sentiment_score":0.15135324001312256}],"sentiment":"neutral","sentiment_score":0.2892142415046692,"num_words":5,"start":926.33997,"end":944.055},{"sentences":[{"text":"Wow.","start":952.85,"end":953.35,"sentiment":"positive","sentiment_score":0.605330228805542},{"text":"Yeah.","start":954.53,"end":955.03,"sentiment":"neutral","sentiment_score":0.12695202231407166},{"text":"Yep.","start":964.78503,"end":965.28503,"sentiment":"neutral","sentiment_score":0.04658001661300659},{"text":"Yeah.","start":979.87,"end":980.37,"sentiment":"neutral","sentiment_score":-0.02717513218522072},{"text":"Yeah.","start":988.065,"end":988.565,"sentiment":"neutral","sentiment_score":-0.0042309630662202835}],"sentiment":"neutral","sentiment_score":0.14949123449623586,"num_words":5,"start":952.85,"end":988.565},{"sentences":[{"text":"Yeah.","start":988.945,"end":989.445,"sentiment":"neutral","sentiment_score":-0.002832656726241112},{"text":"Yep.","start":993.825,"end":994.325,"sentiment":"neutral","sentiment_score":-0.013684645295143127},{"text":"Yep.","start":999.265,"end":999.54,"sentiment":"neutral","sentiment_score":-0.016962170600891113},{"text":"Yep.","start":1009.45996,"end":1009.54,"sentiment":"neutral","sentiment_score":0.13958916068077087},{"text":"Absolutely.","start":1009.54,"end":1010.04,"sentiment":"neutral","sentiment_score":0.270809531211853}],"sentiment":"neutral","sentiment_score":0.07538384385406971,"num_words":5,"start":988.945,"end":1010.04},{"sentences":[{"text":"Yep.","start":1014.18,"end":1014.68,"sentiment":"neutral","sentiment_score":0.0952712744474411},{"text":"Yep.","start":1014.98,"end":1015.215,"sentiment":"neutral","sentiment_score":0.08972489088773727},{"text":"Yep.","start":1025.295,"end":1025.795,"sentiment":"neutral","sentiment_score":0.06426776945590973},{"text":"Yeah.","start":1030.655,"end":1030.86,"sentiment":"neutral","sentiment_score":0.01935256645083427},{"text":"That's 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absolutely does.","start":1088.15,"end":1089.35,"sentiment":"positive","sentiment_score":0.3874962826569875},{"text":"It's kind of what I would sort of say in the shorter term because I would never wanna invest money in, say, the share market that you're wanting to use generally in the next three years.","start":1089.35,"end":1098.33,"sentiment":"neutral","sentiment_score":0.006324579965116249},{"text":"If you we generally don't like to invest money in the shorter term because the markets are so up and down, so volatile that you do risk wanting to access that money in the short term at a down point, and this year's kinda showing us that.","start":1099.1151,"end":1112.635,"sentiment":"neutral","sentiment_score":-0.2320624938670625},{"text":"So I would never invest money that you're planning to access in the next three years.","start":1112.635,"end":1117.8301,"sentiment":"neutral","sentiment_score":-0.23395721381530166},{"text":"I would try to hold that off.","start":1117.8301,"end":1119.61,"sentiment":"neutral","sentiment_score":-0.07722491664545876}],"sentiment":"neutral","sentiment_score":-0.12661149837247548,"num_words":109,"start":1088.15,"end":1119.61},{"sentences":[{"text":"A term deposit sounds great or even a high interest savings account.","start":1119.67,"end":1123.29,"sentiment":"neutral","sentiment_score":0.20896100625395775},{"text":"Just sort of have a look around at some of the the best ones out there.","start":1123.75,"end":1127.21,"sentiment":"neutral","sentiment_score":0.08112117229029536},{"text":"Generally speaking, if there is a lot of lending going on as well, your bank might be more willing to come to the party.","start":1127.91,"end":1135.085,"sentiment":"neutral","sentiment_score":0.08168358417848746},{"text":"So shop around for term deposit rates, and then let your bank know that you've got this.","start":1135.1449,"end":1140.585,"sentiment":"neutral","sentiment_score":0.13640433374573202},{"text":"These are some of the rates on offer for the amount of money that you've got.","start":1140.585,"end":1143.465,"sentiment":"neutral","sentiment_score":0.17693191394209862}],"sentiment":"neutral","sentiment_score":0.1284195429261993,"num_words":85,"start":1119.67,"end":1143.465},{"sentences":[{"text":"Are they willing to come to the party?","start":1143.465,"end":1145.22,"sentiment":"neutral","sentiment_score":0.14703421667218208},{"text":"And they can, you know, try to get exemptions and try to get, you know, better rates for you as well to try and get the best rate possible.","start":1145.6,"end":1153.38,"sentiment":"neutral","sentiment_score":0.2450390910280162},{"text":"So definitely shop around.","start":1153.44,"end":1155.1399,"sentiment":"positive","sentiment_score":0.3960409015417099},{"text":"Yeah.","start":1155.5199,"end":1156.0199,"sentiment":"neutral","sentiment_score":0.13125574588775635},{"text":"It's something I used to be a banker, so I do remember doing that quite a 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they said no because investors still want growth.","start":1184.3,"end":1187.275,"sentiment":"neutral","sentiment_score":-0.22102284597025978},{"text":"And investors are likely to hold on to a property in the short term anywhere, you know, between five to ten years to get the growth that they're after and then flip it, sell it off again.","start":1187.995,"end":1198.015,"sentiment":"neutral","sentiment_score":-0.05824010054001937}],"sentiment":"neutral","sentiment_score":-0.030107500914622238,"num_words":135,"start":1161.465,"end":1198.015},{"sentences":[{"text":"And with the way the new laws work, I had a look, and I didn't like it to begin with.","start":1199.035,"end":1205.75,"sentiment":"neutral","sentiment_score":-0.09136761073023081},{"text":"But then after kind of pulling it apart, I can see some advantages to it where like, if the property is negatively good, as an example, you know, you've got income coming in off the property of $20,000 for the year, but your expenses are $40,000 for the year.","start":1205.75,"end":1223.585,"sentiment":"neutral","sentiment_score":0.015708187785075635},{"text":"Say you hold on to that property for ten years.","start":1223.6449,"end":1226.225,"sentiment":"neutral","sentiment_score":0.024073271825909615},{"text":"Essentially, each tax time, they'll let you utilize out of the expenditure.","start":1227.4049,"end":1232.11,"sentiment":"neutral","sentiment_score":0.1421401295810938},{"text":"They'll they'll mutually get a property.","start":1232.33,"end":1234.1699,"sentiment":"neutral","sentiment_score":0.15794382492701212}],"sentiment":"neutral","sentiment_score":0.018932228965550354,"num_words":97,"start":1199.035,"end":1234.1699},{"sentences":[{"text":"So they'll let you account for $20,000 of the expenses.","start":1234.1699,"end":1237.71,"sentiment":"neutral","sentiment_score":0.18369193375110626},{"text":"That extra $20,000 of expenditure, which would normally offset your income, then sits as a future loss, and it's carried forward indefinitely.","start":1238.09,"end":1246.785,"sentiment":"neutral","sentiment_score":0.060345465571365574},{"text":"So then if you hold that property for, say, ten years and you then sell it off and have, you know, a $500,000 CGT, they let you then carry those losses forward indefinitely and build them up to offset the capital gain at the very end.","start":1247.5651,"end":1263.84,"sentiment":"neutral","sentiment_score":0.1079731774718865},{"text":"So down the track, it could have a much greater benefit rather than offsetting it on a yearly 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of reducing tax, It's seen as a tax avoidance, and they can actually go back.","start":1333.5951,"end":1354.855,"sentiment":"neutral","sentiment_score":-0.20865280587564816},{"text":"And then all the benefits you've gotten, remove them and make you pay back that tax.","start":1354.855,"end":1359.815,"sentiment":"neutral","sentiment_score":-0.07084059389308095}],"sentiment":"neutral","sentiment_score":-0.15322807762708704,"num_words":118,"start":1317.59,"end":1359.815},{"sentences":[{"text":"So it is I can see why they've done it.","start":1359.815,"end":1362.535,"sentiment":"neutral","sentiment_score":-0.12624417208135127},{"text":"I don't always like it because I'm an investor.","start":1362.535,"end":1365.415,"sentiment":"neutral","sentiment_score":-0.23859406179851955},{"text":"I have a property that I negatively gear, and I have done for three years now.","start":1365.415,"end":1369.83,"sentiment":"neutral","sentiment_score":-0.16354409558698535},{"text":"But I didn't buy that property too negatively gear.","start":1370.37,"end":1372.61,"sentiment":"neutral","sentiment_score":-0.29765262206395465},{"text":"I bought that for my kids to live in.","start":1372.61,"end":1374.37,"sentiment":"neutral","sentiment_score":-0.24443108008967507}],"sentiment":"neutral","sentiment_score":-0.20575937973159664,"num_words":53,"start":1359.815,"end":1374.37},{"sentences":[{"text":"I just made it cheap enough for them to live in so that it was negatively geared.","start":1374.37,"end":1377.99,"sentiment":"neutral","sentiment_score":-0.17138619457974152},{"text":"But I can I can see both sides of the aspect, and I can see where it's a benefit, but also a downside and a negative there?","start":1379.555,"end":1386.675,"sentiment":"neutral","sentiment_score":-0.07021929875568107},{"text":"So yeah.","start":1386.675,"end":1387.8151,"sentiment":"neutral","sentiment_score":0.005496082827448847},{"text":"Yeah.","start":1389.7151,"end":1390.2151,"sentiment":"neutral","sentiment_score":0.03016647696495056},{"text":"Yeah.","start":1393.1901,"end":1393.6901,"sentiment":"neutral","sentiment_score":-0.04768016934394837}],"sentiment":"neutral","sentiment_score":-0.10033349793714781,"num_words":48,"start":1374.37,"end":1393.6901},{"sentences":[{"text":"Yeah.","start":1398.15,"end":1398.65,"sentiment":"neutral","sentiment_score":0.021413348615169525},{"text":"Absolutely.","start":1407.575,"end":1408.075,"sentiment":"neutral","sentiment_score":-0.04053811728954315},{"text":"Yes.","start":1412.215,"end":1412.715,"sentiment":"neutral","sentiment_score":-0.0027752015739679337},{"text":"Yeah.","start":1414.695,"end":1415.195,"sentiment":"neutral","sentiment_score":-0.0005410425364971161},{"text":"Yeah.","start":1417.175,"end":1417.675,"sentiment":"neutral","sentiment_score":0.02042621374130249}],"sentiment":"neutral","sentiment_score":-0.00040295980870723723,"num_words":5,"start":1398.15,"end":1417.675},{"sentences":[{"text":"That's 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is.","start":1435.7301,"end":1436.235,"sentiment":"neutral","sentiment_score":-0.037472039461135864},{"text":"And I may no.","start":1436.715,"end":1439.4349,"sentiment":"neutral","sentiment_score":-0.1491478718817234},{"text":"No.","start":1439.4349,"end":1439.9349,"sentiment":"neutral","sentiment_score":-0.192575603723526}],"sentiment":"neutral","sentiment_score":-0.12280614748597145,"num_words":10,"start":1430.13,"end":1439.9349},{"sentences":[{"text":"Look.","start":1440.155,"end":1440.475,"sentiment":"neutral","sentiment_score":-0.1951564848423004},{"text":"I'm with you there.","start":1440.475,"end":1441.355,"sentiment":"neutral","sentiment_score":-0.0951321218162775},{"text":"I was staunch against this, and then I pulled the legislation apart.","start":1441.355,"end":1445.035,"sentiment":"negative","sentiment_score":-0.3799097662170728},{"text":"I was like, look.","start":1445.035,"end":1445.6749,"sentiment":"neutral","sentiment_score":-0.21644460409879684},{"text":"I can see the benefits.","start":1445.6749,"end":1446.795,"sentiment":"neutral","sentiment_score":-0.11631992310285569}],"sentiment":"neutral","sentiment_score":-0.253153084562375,"num_words":26,"start":1440.155,"end":1446.795},{"sentences":[{"text":"I don't fully hate this system, but I don't necessarily like it.","start":1446.795,"end":1450.68,"sentiment":"negative","sentiment_score":-0.40843954930702847},{"text":"And I can see where it is an advantage and a disadvantage.","start":1450.68,"end":1453.42,"sentiment":"neutral","sentiment_score":-0.28668298944830894},{"text":"And I do I do think it would it is going to provide a disadvantage to mom and dad investors who are just trying to buy a property to, you know, help build on to help with the super or to, you know, utilize or to build wealth for their kids and things like that, there are definitely going to be disadvantages to the system, but it also could change.","start":1453.88,"end":1475.675,"sentiment":"neutral","sentiment_score":-0.3218173887048449},{"text":"We you know, it passed, because the grains backed it.","start":1475.735,"end":1481.16,"sentiment":"neutral","sentiment_score":0.009609119594097137},{"text":"And in order for it to back, they also had changes to self made super funds and lending within that aspect as well.","start":1481.16,"end":1487.9601,"sentiment":"neutral","sentiment_score":-0.007679686618401953}],"sentiment":"neutral","sentiment_score":-0.2436947186668147,"num_words":127,"start":1446.795,"end":1487.9601},{"sentences":[{"text":"So there was a lot of willing and dealing to get that through parliament.","start":1487.9601,"end":1491.42,"sentiment":"neutral","sentiment_score":-0.05353888017790658},{"text":"I know when it first was put in the budget on the May 12, we all came in the next day and sat there and went, well, what what is going 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reading.","start":1516.7999,"end":1518.4199,"sentiment":"positive","sentiment_score":0.7397893156324115},{"text":"Thank you.","start":1522.4451,"end":1523.345,"sentiment":"neutral","sentiment_score":0.17523259669542313},{"text":"Thanks.","start":1528.765,"end":1529.265,"sentiment":"neutral","sentiment_score":0.1267147809267044},{"text":"Yeah.","start":1529.885,"end":1530.385,"sentiment":"neutral","sentiment_score":-0.03237706422805786}],"sentiment":"positive","sentiment_score":0.5561791079885819,"num_words":17,"start":1515.6,"end":1530.385},{"sentences":[{"text":"Yeah.","start":1532.365,"end":1532.865,"sentiment":"neutral","sentiment_score":-0.11450591683387756},{"text":"Yeah.","start":1534.365,"end":1534.865,"sentiment":"neutral","sentiment_score":-0.03260274603962898},{"text":"Yeah.","start":1535.74,"end":1536.24,"sentiment":"neutral","sentiment_score":0.012473956681787968},{"text":"Thank you.","start":1539.1,"end":1539.66,"sentiment":"positive","sentiment_score":0.3386461138725281},{"text":"Well, I'm always here if you ever need anything or have any questions or you hear something that's just concerning, you can shoot me an email, give me a call.","start":1539.66,"end":1547.6799,"sentiment":"neutral","sentiment_score":0.1057120485852162}],"sentiment":"neutral","sentiment_score":0.1061148279745664,"num_words":35,"start":1532.365,"end":1547.6799},{"sentences":[{"text":"I do take a lot of calls off the cuff as well, so I don't book up my day crazy.","start":1547.9,"end":1551.815,"sentiment":"neutral","sentiment_score":-0.0357229582965374},{"text":"I generally have about five to six calls a day.","start":1552.2749,"end":1554.755,"sentiment":"neutral","sentiment_score":0.008106653019785881},{"text":"And then in between that, if someone calls and then needs me, I will always take the call, or I'll if I'm on the phone, I'll call back straight 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the right track.","start":1622.425,"end":1623.63,"sentiment":"neutral","sentiment_score":0.17538410425186157},{"text":"Correct.","start":1624.1699,"end":1624.6699,"sentiment":"neutral","sentiment_score":0.25041866302490234},{"text":"Yeah.","start":1624.73,"end":1625.0499,"sentiment":"neutral","sentiment_score":0.21329021453857425},{"text":"Yep.","start":1625.0499,"end":1625.37,"sentiment":"neutral","sentiment_score":0.2298526167869568},{"text":"Definitely.","start":1625.37,"end":1625.85,"sentiment":"positive","sentiment_score":0.4403268098831177}],"sentiment":"neutral","sentiment_score":0.22942809015512466,"num_words":8,"start":1622.425,"end":1625.85},{"sentences":[{"text":"And moving forward, you know, once you get the property, we'll look at that as part of your overall retirement aspect as well.","start":1625.85,"end":1631.9299,"sentiment":"neutral","sentiment_score":0.2328628282184186},{"text":"So if you are hoping to keep that in retirement and keep the income to supplement super, 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I definitely wanna make sure.","start":1750.115,"end":1751.715,"sentiment":"positive","sentiment_score":0.33983805527289707}],"sentiment":"positive","sentiment_score":0.36040143966674804,"num_words":10,"start":1746.835,"end":1751.715},{"sentences":[{"text":"And Samantha's got you in the calendar to make sure that we touch base in three months again to to catch up and see how things are going, re you know, redouble check what's happening with super, see how things are changing in your life.","start":1751.715,"end":1763.67,"sentiment":"positive","sentiment_score":0.3734591911236445},{"text":"And if anything comes up in the meantime, don't hesitate.","start":1764.0499,"end":1767.65,"sentiment":"neutral","sentiment_score":0.16964179500937462},{"text":"You don't have to wait for that three months.","start":1767.65,"end":1769.41,"sentiment":"neutral","sentiment_score":0.10677813159094916},{"text":"If you in a month or two's time, go, Dana, I need some extra help now, I will always make time so you're not limited.","start":1769.41,"end":1775.83,"sentiment":"neutral","sentiment_score":0.17086379632353782},{"text":"In in that path there, we do still have your ongoing service agreement for the next twelve months.","start":1777.365,"end":1782.245,"sentiment":"neutral","sentiment_score":0.14089871529075834}],"sentiment":"neutral","sentiment_score":0.24552202353549896,"num_words":107,"start":1751.715,"end":1782.245},{"sentences":[{"text":"If you're happy to stay on board, I'll get you to sign and return that one back.","start":1782.245,"end":1785.685,"sentiment":"neutral","sentiment_score":0.2617319191203398},{"text":"And this is the ongoing service fee of 1.65%, which is deducted year so that's yearly.","start":1785.685,"end":1791.52,"sentiment":"neutral","sentiment_score":0.07734330976381898},{"text":"It's deducted a smaller monthly income instead of your super for my services, looking after everything, and continuously updating the advice there for you.","start":1791.52,"end":1799.52,"sentiment":"neutral","sentiment_score":0.061929347924888134},{"text":"Okay?","start":1799.52,"end":1800.02,"sentiment":"neutral","sentiment_score":0.0983203426003456},{"text":"Excellent.","start":1801.12,"end":1801.62,"sentiment":"positive","sentiment_score":0.7306125164031982}],"sentiment":"neutral","sentiment_score":0.13563004729606337,"num_words":59,"start":1782.245,"end":1801.62},{"sentences":[{"text":"All good.","start":1801.92,"end":1802.66,"sentiment":"positive","sentiment_score":0.6214132905006409},{"text":"I just wanted to really quick double check.","start":1803.005,"end":1805.1051,"sentiment":"neutral","sentiment_score":0.10377059411257505},{"text":"Income wise, has anything changed?","start":1805.165,"end":1807.165,"sentiment":"neutral","sentiment_score":0.012870085239410401},{"text":"You're still on 90,000.","start":1807.165,"end":1808.9451,"sentiment":"neutral","sentiment_score":0.0032180659472942352},{"text":"Have you had any increases there at all?","start":1809.005,"end":1811.5851,"sentiment":"neutral","sentiment_score":-0.01341353845782578}],"sentiment":"neutral","sentiment_score":0.0756631746750187,"num_words":27,"start":1801.92,"end":1811.5851},{"sentences":[{"text":"Yeah.","start":1818.285,"end":1818.51,"sentiment":"neutral","sentiment_score":0.052956871688365936},{"text":"Oh, fantastic.","start":1821.87,"end":1822.77,"sentiment":"positive","sentiment_score":0.5605479776859283},{"text":"Yep.","start":1825.15,"end":1825.65,"sentiment":"neutral","sentiment_score":0.006957826670259237},{"text":"Oh, you deserve it anyway.","start":1827.15,"end":1828.93,"sentiment":"neutral","sentiment_score":0.0021621912717819216},{"text":"That's okay.","start":1837.025,"end":1837.845,"sentiment":"neutral","sentiment_score":-0.025868027471005917}],"sentiment":"neutral","sentiment_score":0.10364414137703451,"num_words":11,"start":1818.285,"end":1837.845},{"sentences":[{"text":"Yep.","start":1839.985,"end":1840.485,"sentiment":"neutral","sentiment_score":0.006917742546647787},{"text":"Absolutely.","start":1840.945,"end":1841.445,"sentiment":"neutral","sentiment_score":0.0112502109259367},{"text":"Yeah.","start":1843.745,"end":1844.145,"sentiment":"neutral","sentiment_score":0.11371830105781557},{"text":"Absolutely.","start":1844.145,"end":1844.645,"sentiment":"neutral","sentiment_score":0.22277285158634183},{"text":"All good.","start":1845.105,"end":1845.845,"sentiment":"positive","sentiment_score":0.3549419492483139}],"sentiment":"neutral","sentiment_score":0.17742383410222828,"num_words":6,"start":1839.985,"end":1845.845},{"sentences":[{"text":"We had down here that you were expenditure wise was around about sort of 3 to 4,000 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that the same?","start":1914.15,"end":1915.605,"sentiment":"neutral","sentiment_score":-0.012984781293198466},{"text":"Yep.","start":1915.605,"end":1915.845,"sentiment":"neutral","sentiment_score":0.02657032571732998}],"sentiment":"neutral","sentiment_score":-0.011746551026590168,"num_words":8,"start":1896.335,"end":1915.845},{"sentences":[{"text":"Yeah.","start":1915.845,"end":1916.165,"sentiment":"neutral","sentiment_score":0.06159389391541481},{"text":"Absolutely.","start":1916.165,"end":1916.665,"sentiment":"neutral","sentiment_score":0.09091816842556},{"text":"Not a 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mean incorporating her into the loan?","start":1964.39,"end":1966.65,"sentiment":"neutral","sentiment_score":-0.03010328167251178},{"text":"Or Yeah.","start":1966.7101,"end":1967.99,"sentiment":"neutral","sentiment_score":-0.004741322249174118},{"text":"Yeah.","start":1967.99,"end":1968.49,"sentiment":"neutral","sentiment_score":0.011795951053500175},{"text":"Yeah.","start":1969.27,"end":1969.77,"sentiment":"neutral","sentiment_score":0.019416604191064835},{"text":"Yeah.","start":1970.87,"end":1971.11,"sentiment":"neutral","sentiment_score":0.015932708978652954}],"sentiment":"neutral","sentiment_score":-0.014421695998559395,"num_words":12,"start":1964.39,"end":1971.11},{"sentences":[{"text":"No.","start":1971.11,"end":1971.43,"sentiment":"neutral","sentiment_score":-0.0372014194726944},{"text":"Look.","start":1971.43,"end":1971.75,"sentiment":"neutral","sentiment_score":-0.02724648080766201},{"text":"There there honestly is.","start":1971.75,"end":1973.03,"sentiment":"neutral","sentiment_score":-0.0028479574248194695},{"text":"You can.","start":1973.03,"end":1973.77,"sentiment":"neutral","sentiment_score":0.0749111920595169},{"text":"Just make sure as long as she's got income coming in, she can be added into the serviceability, and that kinda works in your favor as well.","start":1974.31,"end":1981.0751,"sentiment":"neutral","sentiment_score":0.1693353178324523}],"sentiment":"neutral","sentiment_score":0.1327438924461603,"num_words":35,"start":1971.11,"end":1981.0751},{"sentences":[{"text":"Because with her living at home, depending on the lender and the lender's criteria, she may be seen as more of a dependent, which means you may be serviced on her being a dependent, which costs you more money and does actually affect your servicing.","start":1981.0751,"end":1996.3899,"sentiment":"neutral","sentiment_score":-0.09063618087934124},{"text":"If you were to incorporate her into the loan, she gets a bit of a she gets assessed as part of the loan as a borrower.","start":1997.09,"end":2003.75,"sentiment":"neutral","sentiment_score":-0.0038243379945365284},{"text":"It means that she's also liable for part of the loan, but it means that she gets a bit of a step into the market.","start":2004.0349,"end":2009.955,"sentiment":"neutral","sentiment_score":0.021062457859516145},{"text":"She has borrowing you know, she has part of the the property.","start":2009.955,"end":2013.475,"sentiment":"neutral","sentiment_score":0.006695357616990805},{"text":"She's got some of the assets there, and it also means that she's assessed as a a single person.","start":2013.475,"end":2019.72,"sentiment":"neutral","sentiment_score":-0.0036609256640076637}],"sentiment":"neutral","sentiment_score":-0.02866702974135951,"num_words":127,"start":1981.0751,"end":2019.72},{"sentences":[{"text":"And you're not assessed as 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what we're looking at doing.","start":2039.605,"end":2042.505,"sentiment":"neutral","sentiment_score":0.11635941937565804},{"text":"And then noting that down the track, if she decides to buy a different property, she may wanna buy out may want you to buy her out of that one.","start":2042.8849,"end":2050.4102,"sentiment":"neutral","sentiment_score":0.02805718146264553},{"text":"She might wanna keep part of that.","start":2050.4102,"end":2052.27,"sentiment":"neutral","sentiment_score":0.051563531692538946},{"text":"It could be an estate planning thing where you pass that to her in the will anyway.","start":2052.33,"end":2056.35,"sentiment":"neutral","sentiment_score":0.08576608208172462},{"text":"So just having that conversation with her, but you absolutely can if she's comfortable to do 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property.","start":2085.4502,"end":2092.885,"sentiment":"neutral","sentiment_score":0.167916688893456},{"text":"But then later on down the track, if she's then wanting to buy another property, whether it be her main primary residence or an investment property down the track, she's already got one well, part of one property there.","start":2092.885,"end":2103.365,"sentiment":"neutral","sentiment_score":0.04479183208865997}],"sentiment":"neutral","sentiment_score":0.1106994623016264,"num_words":74,"start":2079.1301,"end":2103.365},{"sentences":[{"text":"So they can assess her part of the the property, you know, to to help her buy more.","start":2103.365,"end":2110.3901,"sentiment":"neutral","sentiment_score":0.06710844611128171},{"text":"She's got an asset that can be part securitized.","start":2110.45,"end":2112.71,"sentiment":"neutral","sentiment_score":0.04830292695098453},{"text":"But 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fantastic.","start":2165.3699,"end":2166.43,"sentiment":"positive","sentiment_score":0.4614879886309306},{"text":"Yeah.","start":2168.17,"end":2168.67,"sentiment":"neutral","sentiment_score":0.059297822415828705}],"sentiment":"neutral","sentiment_score":0.24451072979718447,"num_words":8,"start":2160.3298,"end":2168.67},{"sentences":[{"text":"Yeah.","start":2180.905,"end":2181.405,"sentiment":"neutral","sentiment_score":0.03208332136273384},{"text":"Yeah.","start":2181.465,"end":2181.965,"sentiment":"neutral","sentiment_score":0.030568083748221397},{"text":"The mortgage brokers would be that's okay.","start":2182.105,"end":2184.345,"sentiment":"neutral","sentiment_score":-0.022576096733765944},{"text":"The mortgage brokers would be the best ones to sort of look at doing that.","start":2184.345,"end":2187.65,"sentiment":"neutral","sentiment_score":0.034792846689621605},{"text":"I believe don't quote me on it because it can change depending on the lender and the rules, but I believe she can access that.","start":2188.51,"end":2196.53,"sentiment":"neutral","sentiment_score":-0.031106324940919874}],"sentiment":"neutral","sentiment_score":-0.0071662590857975335,"num_words":49,"start":2180.905,"end":2196.53},{"sentences":[{"text":"I think, though, if I'm thinking, though, if, let me double check it because she can as a first home buyer, but I'm not sure if it then goes on if she goes into, like, a co loan with you guys or not.","start":2196.75,"end":2215.0,"sentiment":"neutral","sentiment_score":-0.0036689526574729485},{"text":"I can have a look for you.","start":2215.06,"end":2216.68,"sentiment":"neutral","sentiment_score":0.11185147719723838},{"text":"That's okay.","start":2219.86,"end":2220.68,"sentiment":"neutral","sentiment_score":-0.020841083489358425},{"text":"No.","start":2225.86,"end":2226.36,"sentiment":"neutral","sentiment_score":-0.053933046758174896},{"text":"You're absolutely fine.","start":2226.435,"end":2228.215,"sentiment":"neutral","sentiment_score":-0.01199248619377613}],"sentiment":"neutral","sentiment_score":0.008814333996269852,"num_words":56,"start":2196.75,"end":2228.215},{"sentences":[{"text":"Yeah.","start":2233.875,"end":2234.195,"sentiment":"neutral","sentiment_score":-0.01861042156815529},{"text":"It it is just purely in my name or mine and my husband's name for us just because as much as our daughters are 19 and 20 now, it was more just to help them.","start":2234.195,"end":2244.24,"sentiment":"neutral","sentiment_score":-0.010867856283273017},{"text":"So one of my daughter's boyfriends moved over from WA, and my house is too small to have everyone in it.","start":2244.24,"end":2249.76,"sentiment":"neutral","sentiment_score":-0.10748243668959254},{"text":"So we sort of went, well, we'll buy this.","start":2249.76,"end":2252.7998,"sentiment":"neutral","sentiment_score":0.04990276611513562},{"text":"It's our kind of retirement plan as well, but we'll let you guys pay a little bit of rent to give you a little bit of growth outside of the home, and let you work out, you know, how to become adults that is still within the safety of something we own and control and help with.","start":2252.7998,"end":2269.5852,"sentiment":"neutral","sentiment_score":0.13386769112395613}],"sentiment":"neutral","sentiment_score":0.044093225423882644,"num_words":123,"start":2233.875,"end":2269.5852},{"sentences":[{"text":"So, yeah.","start":2269.5852,"end":2272.67,"sentiment":"neutral","sentiment_score":0.24989130720496178},{"text":"Yeah.","start":2277.85,"end":2278.35,"sentiment":"neutral","sentiment_score":-0.012294470332562923},{"text":"So It's saying here.","start":2280.49,"end":2296.86,"sentiment":"neutral","sentiment_score":-0.016823649406433105},{"text":"So it's telling me that some states may allow it, but it depends on the state you're in and the rules at the time on whether it's a new or established home.","start":2309.02,"end":2320.2952,"sentiment":"neutral","sentiment_score":-0.03209664358291775},{"text":"So when you are just chatting to the mortgage broker about it, get them to double check and see if it's gonna be eligible based on where you look to buy and your circumstances.","start":2320.8352,"end":2330.72,"sentiment":"neutral","sentiment_score":0.03694506066248698}],"sentiment":"neutral","sentiment_score":0.008893602935929005,"num_words":73,"start":2269.5852,"end":2330.72},{"sentences":[{"text":"Because, realistically, she's eligible for as she's never owned a home before, but it more just comes down to how much of this property is gonna be owned by you guys and how much is owned by her.","start":2337.98,"end":2348.755,"sentiment":"neutral","sentiment_score":0.002918068552389741},{"text":"If it's only a very small amount owned by her, it looks like she may not be eligible to do it.","start":2349.4548,"end":2355.43,"sentiment":"neutral","sentiment_score":-0.09233129521210988},{"text":"So it might also come down to how the loan is structured as 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only other thing I just wanted to quickly run through is just a risk profile questionnaire with you as well.","start":2382.02,"end":2386.74,"sentiment":"neutral","sentiment_score":0.10279359491098494},{"text":"Just making sure you're in that balanced environment.","start":2386.74,"end":2389.38,"sentiment":"neutral","sentiment_score":0.1642610775306821}],"sentiment":"neutral","sentiment_score":0.13185503776185215,"num_words":32,"start":2379.5251,"end":2389.38},{"sentences":[{"text":"Just making sure that is still appropriate for you.","start":2389.38,"end":2392.04,"sentiment":"neutral","sentiment_score":0.17550002452399996},{"text":"Just with the risk profile questionnaire.","start":2393.54,"end":2395.24,"sentiment":"neutral","sentiment_score":0.06845755937198798},{"text":"So how would you sorta categorize yourself risk wise?","start":2395.3,"end":2398.155,"sentiment":"neutral","sentiment_score":0.07452033791277143},{"text":"Do you consider yourself happy to take on a higher amount of risk to get the best returns you can, a moderate or medium amount of risk to get the pot best possible returns, or a much smaller amount of risk knowing the returns are lower?","start":2398.155,"end":2410.895,"sentiment":"neutral","sentiment_score":0.07217335952040942},{"text":"Where would you sort of categorize yourself in there?","start":2410.955,"end":2419.1099,"sentiment":"neutral","sentiment_score":0.028345783137612872}],"sentiment":"neutral","sentiment_score":0.07893690132076227,"num_words":79,"start":2389.38,"end":2419.1099},{"sentences":[{"text":"Yes.","start":2421.65,"end":2422.15,"sentiment":"neutral","sentiment_score":0.0809769406914711},{"text":"Yeah.","start":2426.3699,"end":2426.775,"sentiment":"neutral","sentiment_score":-0.06003650277853012},{"text":"Yep.","start":2428.135,"end":2428.635,"sentiment":"neutral","sentiment_score":-0.2901347577571869},{"text":"Yep.","start":2430.615,"end":2431.115,"sentiment":"neutral","sentiment_score":-0.060603804886341095},{"text":"Nope.","start":2431.335,"end":2431.835,"sentiment":"neutral","sentiment_score":-0.13823005557060242}],"sentiment":"neutral","sentiment_score":-0.09360563606023789,"num_words":5,"start":2421.65,"end":2431.835},{"sentences":[{"text":"Yep.","start":2435.4148,"end":2435.9148,"sentiment":"neutral","sentiment_score":-0.0021151136606931686},{"text":"Yep.","start":2436.135,"end":2436.635,"sentiment":"neutral","sentiment_score":0.04192675277590752},{"text":"Yep.","start":2436.6948,"end":2437.095,"sentiment":"neutral","sentiment_score":0.024288073182106015},{"text":"No.","start":2437.095,"end":2437.255,"sentiment":"neutral","sentiment_score":-0.0633900836110115},{"text":"Absolutely.","start":2437.255,"end":2437.7349,"sentiment":"neutral","sentiment_score":0.23406851291656497}],"sentiment":"neutral","sentiment_score":0.04695562832057477,"num_words":5,"start":2435.4148,"end":2437.7349},{"sentences":[{"text":"I've sort of put you at a three kind of in the middle range there at the moment.","start":2437.7349,"end":2440.9348,"sentiment":"neutral","sentiment_score":0.06977081505788697},{"text":"Happy to take on a a medium or moderate amount of risk to get the best returns you can, but making sure you've got a good safety net there as well.","start":2440.9348,"end":2448.59,"sentiment":"neutral","sentiment_score":0.3201644076935707},{"text":"Yep.","start":2448.59,"end":2449.09,"sentiment":"neutral","sentiment_score":0.11838474124670029},{"text":"Yep.","start":2450.51,"end":2451.01,"sentiment":"neutral","sentiment_score":0.19327521324157715},{"text":"Yeah.","start":2455.47,"end":2455.785,"sentiment":"neutral","sentiment_score":0.06331832706928253}],"sentiment":"neutral","sentiment_score":0.2222297998288503,"num_words":52,"start":2437.7349,"end":2455.785},{"sentences":[{"text":"Yeah.","start":2466.025,"end":2466.525,"sentiment":"neutral","sentiment_score":0.01048419624567032},{"text":"Yes.","start":2468.505,"end":2468.85,"sentiment":"neutral","sentiment_score":0.03952885419130325},{"text":"Yeah.","start":2471.73,"end":2472.23,"sentiment":"neutral","sentiment_score":0.1358770728111267},{"text":"Yeah.","start":2473.8901,"end":2474.3901,"sentiment":"neutral","sentiment_score":0.06901305168867111},{"text":"Yeah.","start":2481.4102,"end":2481.765,"sentiment":"neutral","sentiment_score":0.1268547922372818}],"sentiment":"neutral","sentiment_score":0.07635159343481064,"num_words":5,"start":2466.025,"end":2481.765},{"sentences":[{"text":"Wow.","start":2489.125,"end":2489.625,"sentiment":"neutral","sentiment_score":0.1828172653913498},{"text":"Yeah.","start":2494.6448,"end":2495.04,"sentiment":"neutral","sentiment_score":0.20402473211288452},{"text":"Yeah.","start":2502.56,"end":2503.06,"sentiment":"neutral","sentiment_score":-0.02661755681037903},{"text":"Yes.","start":2503.12,"end":2503.62,"sentiment":"neutral","sentiment_score":0.030755409970879555},{"text":"Yeah.","start":2504.08,"end":2504.58,"sentiment":"neutral","sentiment_score":0.015062447637319565}],"sentiment":"neutral","sentiment_score":0.08120845966041088,"num_words":5,"start":2489.125,"end":2504.58},{"sentences":[{"text":"Yeah.","start":2506.0,"end":2506.5,"sentiment":"neutral","sentiment_score":-0.0014084316790103912},{"text":"Yep.","start":2509.36,"end":2509.86,"sentiment":"neutral","sentiment_score":0.02531810477375984},{"text":"Yep.","start":2509.92,"end":2510.4001,"sentiment":"neutral","sentiment_score":0.020945286378264427},{"text":"No.","start":2510.4001,"end":2510.745,"sentiment":"neutral","sentiment_score":-0.03574451059103012},{"text":"Absolutely.","start":2510.985,"end":2511.485,"sentiment":"neutral","sentiment_score":0.15069931745529175}],"sentiment":"neutral","sentiment_score":0.0319619532674551,"num_words":5,"start":2506.0,"end":2511.485},{"sentences":[{"text":"All good.","start":2511.705,"end":2512.445,"sentiment":"neutral","sentiment_score":0.2269110381603241},{"text":"The next one here is how do you think you'd feel in the next sort of twelve months if the market took a big 20% drop?","start":2512.905,"end":2518.8252,"sentiment":"neutral","sentiment_score":-0.20143829171474165},{"text":"So if Trump was out there tweeting and say this war got worse and we did see a bit of a downtime.","start":2518.8252,"end":2523.5652,"sentiment":"neutral","sentiment_score":-0.2618709362365983},{"text":"I know.","start":2524.5051,"end":2525.165,"sentiment":"neutral","sentiment_score":-0.17353279888629913},{"text":"And, look, investing in all markets, that is a possibility, but we certainly hope it definitely doesn't.","start":2525.8298,"end":2532.0898,"sentiment":"neutral","sentiment_score":-0.07421255812925451}],"sentiment":"neutral","sentiment_score":-0.1761364230643148,"num_words":69,"start":2511.705,"end":2532.0898},{"sentences":[{"text":"But do you think you'd be feeling cautious, concerned, anxious, or or or optimistic about the opportunities?","start":2532.71,"end":2539.3699,"sentiment":"neutral","sentiment_score":-0.16152163770268946},{"text":"Yes.","start":2548.6052,"end":2549.1052,"sentiment":"neutral","sentiment_score":0.025344688445329663},{"text":"Yeah.","start":2550.445,"end":2550.945,"sentiment":"neutral","sentiment_score":0.058231204748153687},{"text":"Yep.","start":2554.205,"end":2554.5,"sentiment":"neutral","sentiment_score":0.2884470224380493},{"text":"Yep.","start":2561.62,"end":2562.12,"sentiment":"positive","sentiment_score":0.3494674861431122}],"sentiment":"neutral","sentiment_score":-0.09639892567481313,"num_words":21,"start":2532.71,"end":2562.12},{"sentences":[{"text":"Yeah.","start":2567.06,"end":2567.56,"sentiment":"neutral","sentiment_score":0.13107123970985413},{"text":"Yep.","start":2572.665,"end":2573.165,"sentiment":"neutral","sentiment_score":0.03523490950465202},{"text":"Nope.","start":2577.145,"end":2577.645,"sentiment":"neutral","sentiment_score":-0.24629506468772888},{"text":"That's fine.","start":2577.705,"end":2578.525,"sentiment":"neutral","sentiment_score":-0.06710999086499214},{"text":"Yeah.","start":2579.305,"end":2579.805,"sentiment":"neutral","sentiment_score":-0.07243964076042175}],"sentiment":"neutral","sentiment_score":-0.04777475632727146,"num_words":6,"start":2567.06,"end":2579.805},{"sentences":[{"text":"I've got you down here as being quite concerned about it.","start":2580.345,"end":2582.96,"sentiment":"negative","sentiment_score":-0.3830285370349884},{"text":"You'd be, you know, very, very stressed out, maybe giving us a call and going when is this supposed to come back and, you know, how bad is it likely to get.","start":2582.96,"end":2590.64,"sentiment":"negative","sentiment_score":-0.5209734356030822},{"text":"So I did put you down as a bit of a a three there being quite concerned.","start":2590.64,"end":2594.24,"sentiment":"neutral","sentiment_score":-0.2502774806583629},{"text":"Am I on the right track with that still?","start":2594.24,"end":2596.055,"sentiment":"neutral","sentiment_score":0.0008983355429437426},{"text":"Yep.","start":2602.915,"end":2603.415,"sentiment":"neutral","sentiment_score":0.22012466192245483}],"sentiment":"negative","sentiment_score":-0.35587101908666746,"num_words":70,"start":2580.345,"end":2603.415},{"sentences":[{"text":"Mhmm.","start":2605.155,"end":2605.655,"sentiment":"neutral","sentiment_score":0.2029313892126083},{"text":"Yep.","start":2611.1702,"end":2611.6702,"sentiment":"positive","sentiment_score":0.34610116481781006},{"text":"Yep.","start":2614.53,"end":2615.03,"sentiment":"neutral","sentiment_score":-0.014236296527087688},{"text":"But understandable that it can.","start":2624.625,"end":2626.625,"sentiment":"neutral","sentiment_score":-0.24893265068531037},{"text":"Yeah.","start":2626.625,"end":2627.125,"sentiment":"neutral","sentiment_score":-0.10432414710521698}],"sentiment":"neutral","sentiment_score":-0.09046568255871534,"num_words":9,"start":2605.155,"end":2627.125},{"sentences":[{"text":"Yeah.","start":2627.185,"end":2627.685,"sentiment":"neutral","sentiment_score":-0.09761912375688551},{"text":"Yep.","start":2628.865,"end":2629.365,"sentiment":"neutral","sentiment_score":-0.039950769394636154},{"text":"No.","start":2630.065,"end":2630.305,"sentiment":"neutral","sentiment_score":-0.22327016294002533},{"text":"That's fine.","start":2630.305,"end":2631.125,"sentiment":"negative","sentiment_score":-0.33397722244262695},{"text":"That's okay.","start":2634.305,"end":2634.96,"sentiment":"neutral","sentiment_score":-0.15791235119104385}],"sentiment":"neutral","sentiment_score":-0.19208845762269838,"num_words":7,"start":2627.185,"end":2634.96},{"sentences":[{"text":"I've Yes.","start":2634.96,"end":2647.6199,"sentiment":"neutral","sentiment_score":-0.14825541526079178},{"text":"Yeah.","start":2648.4,"end":2648.9,"sentiment":"neutral","sentiment_score":-0.04178907722234726},{"text":"Yeah.","start":2649.92,"end":2650.42,"sentiment":"neutral","sentiment_score":-0.044311389327049255},{"text":"No.","start":2650.48,"end":2650.935,"sentiment":"neutral","sentiment_score":-0.10379545390605928},{"text":"Absolutely.","start":2651.175,"end":2651.675,"sentiment":"neutral","sentiment_score":0.03479456901550293}],"sentiment":"neutral","sentiment_score":-0.0752686969935894,"num_words":6,"start":2634.96,"end":2651.675},{"sentences":[{"text":"Yep.","start":2653.815,"end":2654.315,"sentiment":"neutral","sentiment_score":0.026941221207380295},{"text":"Yeah.","start":2657.175,"end":2657.675,"sentiment":"neutral","sentiment_score":0.10324609279632568},{"text":"Absolutely.","start":2658.375,"end":2658.875,"sentiment":"neutral","sentiment_score":0.17020484805107117},{"text":"And, look, in all honesty, I've had a lot of conversations with people this year about their risk tolerance, and a lot of people who I've noted in the past couple of years in their fifties who tell me they're high risk and are happy to be in that high growth environment when they see markets like what we have this year, whether it does dip.","start":2659.2551,"end":2677.51,"sentiment":"neutral","sentiment_score":-0.0025413446128368378},{"text":"And in all honesty, the dip we saw around about March and April wasn't more than 3%.","start":2677.51,"end":2683.875,"sentiment":"neutral","sentiment_score":-0.11618159360745374}],"sentiment":"neutral","sentiment_score":-0.021423531089757763,"num_words":86,"start":2653.815,"end":2683.875},{"sentences":[{"text":"It wasn't as large a dip as we have had in the past, but most people felt it pretty drastically because it was everywhere.","start":2683.875,"end":2690.595,"sentiment":"neutral","sentiment_score":-0.2075197963664929},{"text":"It was in the news.","start":2690.595,"end":2691.715,"sentiment":"neutral","sentiment_score":-0.21537435054779053},{"text":"It was all over the place.","start":2691.715,"end":2693.155,"sentiment":"neutral","sentiment_score":-0.23035677274068198},{"text":"Everyone was talking about it, and it was felt.","start":2693.155,"end":2696.03,"sentiment":"neutral","sentiment_score":-0.13729027079211342},{"text":"And a lot of people I've spoken to in the past have gone, yeah, I'm high risk.","start":2696.49,"end":2699.85,"sentiment":"neutral","sentiment_score":-0.23092331518145168}],"sentiment":"neutral","sentiment_score":-0.2065704311015176,"num_words":61,"start":2683.875,"end":2699.85},{"sentences":[{"text":"I want the great returns.","start":2699.85,"end":2701.07,"sentiment":"neutral","sentiment_score":0.08622904419898987},{"text":"When they see that, they're ringing going, oh my god.","start":2701.37,"end":2703.77,"sentiment":"neutral","sentiment_score":-0.2645630404353142},{"text":"What is happening?","start":2703.77,"end":2704.73,"sentiment":"negative","sentiment_score":-0.3627221981684367},{"text":"And at that moment, I'm like, I don't really think you're high growth because you have to go through these downtimes to and allow your money to come back.","start":2704.73,"end":2713.265,"sentiment":"neutral","sentiment_score":-0.31314589134578047},{"text":"So a lot of people were tested in a 3% drop to find out whether they really were comfortable taking on high risk.","start":2713.265,"end":2720.2449,"sentiment":"neutral","sentiment_score":-0.22900137370047363}],"sentiment":"neutral","sentiment_score":-0.25215591745717186,"num_words":70,"start":2699.85,"end":2720.2449},{"sentences":[{"text":"And, I mean, I know people in their thirties and forties who don't wanna be in that high risk environment.","start":2721.025,"end":2725.72,"sentiment":"neutral","sentiment_score":-0.2435912720859051},{"text":"And as much as they have the time horizon ahead of them, it just makes them very nervous and concerned.","start":2726.42,"end":2731.0798,"sentiment":"neutral","sentiment_score":-0.312520057708025},{"text":"And it's got a lot to do with past, you know, past history and how you're feeling in where you are in life.","start":2731.46,"end":2738.445,"sentiment":"neutral","sentiment_score":-0.2264895173518554},{"text":"You're you've worked a whole lifetime.","start":2738.5251,"end":2740.605,"sentiment":"neutral","sentiment_score":-0.08989969454705715},{"text":"You're ready to retire.","start":2740.605,"end":2741.885,"sentiment":"neutral","sentiment_score":-0.0560785885900259}],"sentiment":"neutral","sentiment_score":-0.23418079474813316,"num_words":73,"start":2721.025,"end":2741.885},{"sentences":[{"text":"You're close to it, and you've worked really hard to get the super balance you have.","start":2741.885,"end":2745.885,"sentiment":"neutral","sentiment_score":-0.1651172637939453},{"text":"And super wasn't a thing until the early nineties, and it's been growing gradually, so it started off quite small.","start":2745.885,"end":2752.925,"sentiment":"neutral","sentiment_score":0.044525747932493684},{"text":"So it is very normal to be concerned.","start":2752.925,"end":2755.6301,"sentiment":"neutral","sentiment_score":-0.021259089931845665},{"text":"I wouldn't want you to be trying to take on more risk than what you're comfortable with because when the downtimes come and everyone feels the downtimes, you know, the idea is being in a balanced portfolio, which is that sixty forty split as opposed to a ninety ten split growth to defensive.","start":2755.6902,"end":2773.565,"sentiment":"neutral","sentiment_score":-0.08501337848181995},{"text":"You know, as much as you will still feel those down times and see, you know, those down times occur, you won't feel it as big as someone in that high growth environment there.","start":2774.185,"end":2784.19,"sentiment":"neutral","sentiment_score":-0.1216764304348651}],"sentiment":"neutral","sentiment_score":-0.08064230286893044,"num_words":131,"start":2741.885,"end":2784.19},{"sentences":[{"text":"So I would not want you to feel like you have to take on more risk than you need to.","start":2784.19,"end":2789.81,"sentiment":"negative","sentiment_score":-0.33395492769777774},{"text":"There are other things we can do to offset the risk by increasing contributions in.","start":2790.11,"end":2792.1099,"sentiment":"neutral","sentiment_score":0.1729188139239947},{"text":"When you do get your investment property, you When you do get your investment property and you are earning income, you know, if it's positively geared and the income is more than in what you're essentially spending or, you know, what the expenditure looks like, then there's income tax as a factor as well.","start":2792.1099,"end":2810.13,"sentiment":"neutral","sentiment_score":0.20791899192112465},{"text":"So we can always, you know, utilize previous year's contributions if possible or use CapSpace to look at, you know, ways to offset some of that income so you're not paying a lot of tax.","start":2810.13,"end":2822.885,"sentiment":"neutral","sentiment_score":0.1479997276195458},{"text":"And because you are 59 now, happy birthday, essentially, you are very close to 60.","start":2823.105,"end":2829.985,"sentiment":"neutral","sentiment_score":0.32665289839108785}],"sentiment":"neutral","sentiment_score":0.12389995079996774,"num_words":139,"start":2784.19,"end":2829.985},{"sentences":[{"text":"And at 60, there's other strategies we can look at.","start":2829.985,"end":2832.865,"sentiment":"neutral","sentiment_score":0.1970611110329628},{"text":"We can look at that transition retirement strategy where we can increase your contributions up to the cap every year and put a lot more money into super, but we can also draw a little bit at to supplement your income as well, which gives you the benefit of reducing your taxable income because you're drawing a little bit of money out of super tax free, but you're putting more into super to have more invested.","start":2832.865,"end":2856.565,"sentiment":"neutral","sentiment_score":0.2557852485854375},{"text":"And that's a great strategy to boost over the last couple of years towards that 60 five age as 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yes.","start":2870.1602,"end":2870.6401,"sentiment":"neutral","sentiment_score":0.07259336610635121}],"sentiment":"neutral","sentiment_score":0.08235391636844724,"num_words":16,"start":2866.96,"end":2870.6401},{"sentences":[{"text":"Let's do it.","start":2870.6401,"end":2871.36,"sentiment":"neutral","sentiment_score":0.11767817536989848},{"text":"They're all like, I'm 60.","start":2871.36,"end":2873.28,"sentiment":"neutral","sentiment_score":0.09500404447317123},{"text":"It's not great.","start":2873.28,"end":2874.08,"sentiment":"neutral","sentiment_score":-0.26537086566289264},{"text":"And I'm like, yes.","start":2874.08,"end":2874.72,"sentiment":"neutral","sentiment_score":0.06366530386731029},{"text":"It is.","start":2874.72,"end":2875.12,"sentiment":"neutral","sentiment_score":0.1868133619427681}],"sentiment":"neutral","sentiment_score":0.03883706416715594,"num_words":17,"start":2870.6401,"end":2875.12},{"sentences":[{"text":"It's great.","start":2875.12,"end":2875.6802,"sentiment":"positive","sentiment_score":0.49013452231884},{"text":"Trust me.","start":2875.6802,"end":2876.1602,"sentiment":"positive","sentiment_score":0.3977132737636566},{"text":"60 is amazing.","start":2876.1602,"end":2877.22,"sentiment":"positive","sentiment_score":0.5157919327418009},{"text":"That hype?","start":2881.955,"end":2882.695,"sentiment":"neutral","sentiment_score":0.054252468049526215},{"text":"That's okay.","start":2891.3152,"end":2892.0552,"sentiment":"neutral","sentiment_score":0.013700871262699366}],"sentiment":"neutral","sentiment_score":0.31445255172862246,"num_words":11,"start":2875.12,"end":2892.0552},{"sentences":[{"text":"If it comes back, just let me know.","start":2892.3552,"end":2894.22,"sentiment":"neutral","sentiment_score":0.05182210064958781},{"text":"It's all good.","start":2894.22,"end":2895.2,"sentiment":"neutral","sentiment_score":0.24296319981416067},{"text":"Easy done.","start":2895.42,"end":2896.4,"sentiment":"neutral","sentiment_score":0.20579537004232407},{"text":"Beautiful.","start":2897.66,"end":2898.16,"sentiment":"positive","sentiment_score":0.6208754777908325},{"text":"That's okay.","start":2898.8599,"end":2899.66,"sentiment":"neutral","sentiment_score":0.29612240195274353}],"sentiment":"neutral","sentiment_score":0.1730110891512595,"num_words":16,"start":2892.3552,"end":2899.66},{"sentences":[{"text":"Well, you look you are investing correctly.","start":2899.66,"end":2901.74,"sentiment":"neutral","sentiment_score":0.1417383775115013},{"text":"That balanced environment still definitely suits for you.","start":2901.74,"end":2904.56,"sentiment":"neutral","sentiment_score":0.1822870373725891},{"text":"Yep.","start":2904.7,"end":2905.2,"sentiment":"neutral","sentiment_score":0.3087002635002136},{"text":"Excellent.","start":2907.075,"end":2907.555,"sentiment":"positive","sentiment_score":0.5660348534584045},{"text":"Absolutely.","start":2907.555,"end":2908.055,"sentiment":"positive","sentiment_score":0.5224993228912354}],"sentiment":"neutral","sentiment_score":0.21376107674505976,"num_words":18,"start":2899.66,"end":2908.055},{"sentences":[{"text":"I would not wanna be pushing you up any further than where you're comfortable with because as you've said, the ups and downs are there.","start":2908.195,"end":2914.535,"sentiment":"neutral","sentiment_score":0.0013439689576625823},{"text":"We've definitely felt them this year, and you are getting closer to that retirement aspect.","start":2914.755,"end":2919.255,"sentiment":"neutral","sentiment_score":0.06163910751541456},{"text":"So let's not push it beyond the bar, and, you know, it's great.","start":2919.315,"end":2922.5999,"sentiment":"neutral","sentiment_score":-0.06377857980819848},{"text":"Some years, you can get those amazing returns too, but I wouldn't wanna be pushing the risk level to get that for you.","start":2922.5999,"end":2928.5198,"sentiment":"neutral","sentiment_score":0.002571732534662537},{"text":"I'd rather it be more consistent average return that compounds over time and builds gradually Yeah.","start":2928.5198,"end":2956.5198,"sentiment":"neutral","sentiment_score":0.049727947065548506}],"sentiment":"neutral","sentiment_score":0.010694144570784967,"num_words":92,"start":2908.195,"end":2956.5198},{"sentences":[{"text":"Yeah.","start":2961.7798,"end":2962.2798,"sentiment":"neutral","sentiment_score":-0.016076892614364624},{"text":"A lot.","start":2966.985,"end":2967.645,"sentiment":"neutral","sentiment_score":-0.03743188828229904},{"text":"Yes.","start":2968.185,"end":2968.685,"sentiment":"neutral","sentiment_score":0.2141537070274353},{"text":"Yep.","start":2972.745,"end":2973.245,"sentiment":"neutral","sentiment_score":-0.05479313060641289},{"text":"It is.","start":2975.385,"end":2976.125,"sentiment":"neutral","sentiment_score":-0.28720371425151825}],"sentiment":"neutral","sentiment_score":-0.07228393160871097,"num_words":7,"start":2961.7798,"end":2976.125},{"sentences":[{"text":"Yeah.","start":2976.825,"end":2977.2,"sentiment":"neutral","sentiment_score":-0.1033465564250946},{"text":"Pretty scary.","start":2978.0798,"end":2978.82,"sentiment":"neutral","sentiment_score":-0.2105407416820526},{"text":"Yeah.","start":2981.5999,"end":2982.0,"sentiment":"neutral","sentiment_score":0.00876966305077076},{"text":"Well, Hub twenty four is an ASX listed company.","start":2982.0,"end":2985.94,"sentiment":"neutral","sentiment_score":0.007346305996179581},{"text":"So they're on the ASX.","start":2986.0798,"end":2987.6199,"sentiment":"neutral","sentiment_score":0.027179910615086556}],"sentiment":"neutral","sentiment_score":-0.017424559427632227,"num_words":18,"start":2976.825,"end":2987.6199},{"sentences":[{"text":"They're a public company.","start":2987.68,"end":2988.9,"sentiment":"neutral","sentiment_score":0.0828832034021616},{"text":"They're actually one of the better platforms out there.","start":2989.455,"end":2991.935,"sentiment":"neutral","sentiment_score":0.1784543361928728},{"text":"They're not going anywhere.","start":2991.935,"end":2993.235,"sentiment":"neutral","sentiment_score":-0.2486845888197422},{"text":"If by any chance, Hub twenty four did go broke and did, you don't you won't lose your money.","start":2994.095,"end":3000.2551,"sentiment":"neutral","sentiment_score":-0.19397904606241928},{"text":"So your money is invested in the managed funds.","start":3000.2551,"end":3003.0552,"sentiment":"neutral","sentiment_score":0.00018860109978251986}],"sentiment":"neutral","sentiment_score":-0.06091157736049758,"num_words":45,"start":2987.68,"end":3003.0552},{"sentences":[{"text":"And if something was to happen with Hub twenty four, it would be known well in advance.","start":3003.0552,"end":3007.3499,"sentiment":"neutral","sentiment_score":-0.020157937343944523},{"text":"There would be a problem.","start":3007.3499,"end":3008.49,"sentiment":"neutral","sentiment_score":-0.29508386850357055},{"text":"There would be, you know, people coming in to sort of either buy the platform or try to, you know, take something over.","start":3009.19,"end":3016.49,"sentiment":"neutral","sentiment_score":-0.31584952901238983},{"text":"But if anything was to happen, because your is invested in investments, the platform is just like the vehicle.","start":3017.1099,"end":3024.085,"sentiment":"neutral","sentiment_score":-0.1671405164034743},{"text":"It just holds it just receives the money and then just allocate it into the investments.","start":3024.085,"end":3028.705,"sentiment":"neutral","sentiment_score":-0.14235717942938209}],"sentiment":"neutral","sentiment_score":-0.181700351589825,"num_words":80,"start":3003.0552,"end":3028.705},{"sentences":[{"text":"But your money is still invested in those other investments, and they can be moved to another platform.","start":3028.7651,"end":3034.3052,"sentiment":"neutral","sentiment_score":-0.2142562899324629},{"text":"So there are aspects of security.","start":3034.365,"end":3037.0698,"sentiment":"neutral","sentiment_score":-0.16382975007096925},{"text":"Yeah.","start":3047.3699,"end":3047.565,"sentiment":"neutral","sentiment_score":-0.024281272664666176},{"text":"Yep.","start":3052.285,"end":3052.785,"sentiment":"neutral","sentiment_score":-0.023485956713557243},{"text":"No.","start":3058.845,"end":3059.345,"sentiment":"neutral","sentiment_score":-0.09489373117685318}],"sentiment":"neutral","sentiment_score":-0.18452787702834164,"num_words":27,"start":3028.7651,"end":3059.345},{"sentences":[{"text":"Correct.","start":3059.4849,"end":3059.9849,"sentiment":"neutral","sentiment_score":-0.07689709216356277},{"text":"And that's that's probably the biggest thing is some of these older schemes were very differently run.","start":3060.0,"end":3065.38,"sentiment":"neutral","sentiment_score":-0.15779919790871003},{"text":"They might are you sort of referring back to, like, the First Guardian types of things?","start":3066.24,"end":3071.06,"sentiment":"neutral","sentiment_score":-0.05833809147588909},{"text":"Yes.","start":3072.16,"end":3072.66,"sentiment":"neutral","sentiment_score":-0.029731510207057},{"text":"Yes.","start":3073.36,"end":3073.845,"sentiment":"neutral","sentiment_score":-0.041242145001888275}],"sentiment":"neutral","sentiment_score":-0.10455184931763345,"num_words":36,"start":3059.4849,"end":3073.845},{"sentences":[{"text":"Yes.","start":3074.085,"end":3074.325,"sentiment":"neutral","sentiment_score":-0.056097328662872314},{"text":"No.","start":3074.325,"end":3074.645,"sentiment":"neutral","sentiment_score":-0.17746222019195557},{"text":"I've I've I've been trying to get people out of First Guardian myself for a while now.","start":3074.645,"end":3078.645,"sentiment":"neutral","sentiment_score":-0.22186819244833553},{"text":"It's very difficult.","start":3078.645,"end":3079.945,"sentiment":"negative","sentiment_score":-0.4066074788570404},{"text":"But, yeah, they unfortunately, those sorts of investments that wasn't a super fund as such, the First Guardian was an unlisted managed fund.","start":3081.205,"end":3088.6199,"sentiment":"neutral","sentiment_score":-0.18050881799148477}],"sentiment":"neutral","sentiment_score":-0.20837431268559561,"num_words":45,"start":3074.085,"end":3088.6199},{"sentences":[{"text":"It was a managed fund that was operated on platforms like Netwealth and Macquarie.","start":3088.6199,"end":3093.92,"sentiment":"neutral","sentiment_score":-0.10581802949309349},{"text":"Hub twenty four, to my understanding, hasn't had access to that, which is a good thing.","start":3095.0999,"end":3099.2798,"sentiment":"neutral","sentiment_score":-0.061469936510547996},{"text":"But that was a managed fund that advisers and it made it very hard to get out.","start":3100.0598,"end":3106.485,"sentiment":"negative","sentiment_score":-0.4989863511394052},{"text":"And other investments that people are struggling to get out of at the moment are also unlisted property, which have certain periods throughout the year where they open up withdrawals, and you can't get your money out in the year where they open up withdrawals, and you can't get your money out in between those withdrawal periods.","start":3106.485,"end":3121.05,"sentiment":"neutral","sentiment_score":-0.20822646769515255},{"text":"So I've unfortunately had a little bit of experience with First Guardian and never recommended anyone to go into it, thankfully, but I have been trying to get people out of it for the past two years, and it has been very, very difficult to do so.","start":3121.05,"end":3134.7249,"sentiment":"negative","sentiment_score":-0.379385714518263}],"sentiment":"neutral","sentiment_score":-0.2691905735590995,"num_words":151,"start":3088.6199,"end":3134.7249},{"sentences":[{"text":"People have lost a lot of money, and, unfortunately, the platforms when they like, I think Macquarie and Netwealth are probably the biggest two that have had that kind of an issue.","start":3135.6648,"end":3146.2449,"sentiment":"negative","sentiment_score":-0.37224039481952786},{"text":"They, unfortunately, were buying or giving people some money back, but it was only a fair value based on how much they had invested in the stock or in the managed fund, and they still came out at a loss.","start":3147.24,"end":3161.08,"sentiment":"negative","sentiment_score":-0.3591987267136574},{"text":"So people will, unfortunately, never see that money again.","start":3161.08,"end":3163.955,"sentiment":"negative","sentiment_score":-0.5109917024771372},{"text":"A lot of people had worked for forty or fifty years and were very close to retirement.","start":3164.975,"end":3169.3152,"sentiment":"negative","sentiment_score":-0.3553021409932305},{"text":"It was very, very horrible.","start":3169.375,"end":3170.8152,"sentiment":"negative","sentiment_score":-0.5553261280059815}],"sentiment":"negative","sentiment_score":-0.3853915928347597,"num_words":103,"start":3135.6648,"end":3170.8152},{"sentences":[{"text":"But, thankfully, what we have you in is ETFs.","start":3170.8152,"end":3175.235,"sentiment":"neutral","sentiment_score":0.1066569834947586},{"text":"We do have a property fund, but it is very liquid and very easy to get you out of.","start":3175.89,"end":3180.71,"sentiment":"neutral","sentiment_score":0.1540233147771735},{"text":"We don't hold anything unlisted or really speculative like that.","start":3181.17,"end":3185.5698,"sentiment":"neutral","sentiment_score":0.07273331172764301},{"text":"We make sure everything that you're invested in is liquid, can be sold within four weeks, at the very most, but it's easy to sell down if has to be because you don't need to be at anything that you can't get access to.","start":3185.5698,"end":3197.945,"sentiment":"neutral","sentiment_score":0.10101481425491246},{"text":"So Yeah.","start":3198.405,"end":3199.625,"sentiment":"neutral","sentiment_score":0.05779649131000042}],"sentiment":"neutral","sentiment_score":0.10921349713490122,"num_words":84,"start":3170.8152,"end":3199.625},{"sentences":[{"text":"Yeah.","start":3199.7651,"end":3200.2651,"sentiment":"neutral","sentiment_score":0.05454259365797043},{"text":"Yeah.","start":3202.8052,"end":3203.3052,"sentiment":"neutral","sentiment_score":0.002161281183362007},{"text":"Oh, absolutely.","start":3208.75,"end":3209.57,"sentiment":"neutral","sentiment_score":-0.19393149763345718},{"text":"Absolutely.","start":3210.51,"end":3211.01,"sentiment":"neutral","sentiment_score":-0.15260861814022064},{"text":"It is horrifying.","start":3211.55,"end":3212.53,"sentiment":"negative","sentiment_score":-0.5302634338537852}],"sentiment":"neutral","sentiment_score":-0.25931975501589477,"num_words":8,"start":3199.7651,"end":3212.53},{"sentences":[{"text":"But no.","start":3212.9102,"end":3213.57,"sentiment":"neutral","sentiment_score":-0.2511797621846199},{"text":"Oh, good.","start":3214.75,"end":3215.385,"sentiment":"neutral","sentiment_score":0.22869835793972015},{"text":"That's okay.","start":3217.225,"end":3217.965,"sentiment":"neutral","sentiment_score":0.05652233213186264},{"text":"My pleasure.","start":3218.025,"end":3218.845,"sentiment":"neutral","sentiment_score":0.059302717447280884},{"text":"No.","start":3220.665,"end":3221.165,"sentiment":"neutral","sentiment_score":-0.18590807914733887}],"sentiment":"neutral","sentiment_score":0.00008657905790540908,"num_words":9,"start":3212.9102,"end":3221.165},{"sentences":[{"text":"It's all good.","start":3222.345,"end":3223.405,"sentiment":"positive","sentiment_score":0.4433828294277191},{"text":"Thank you.","start":3224.665,"end":3225.405,"sentiment":"positive","sentiment_score":0.403508722782135},{"text":"Thank you.","start":3226.025,"end":3226.845,"sentiment":"positive","sentiment_score":0.4465753436088562},{"text":"My pleasure.","start":3229.465,"end":3230.105,"sentiment":"positive","sentiment_score":0.6810528934001923},{"text":"I'll let you go.","start":3230.105,"end":3230.825,"sentiment":"positive","sentiment_score":0.6601154655218124}],"sentiment":"positive","sentiment_score":0.5409910976886749,"num_words":13,"start":3222.345,"end":3230.825},{"sentences":[{"text":"You have a lovely night.","start":3230.825,"end":3231.91,"sentiment":"positive","sentiment_score":0.7449059844017029},{"text":"It's probably dinner time for you.","start":3231.91,"end":3233.59,"sentiment":"positive","sentiment_score":0.46951184670130414},{"text":"So you go and put your feet up.","start":3233.59,"end":3235.77,"sentiment":"neutral","sentiment_score":0.2263737004250288},{"text":"My pleasure.","start":3238.47,"end":3239.29,"sentiment":"neutral","sentiment_score":0.18228976428508759},{"text":"In three months' time.","start":3241.83,"end":3242.87,"sentiment":"neutral","sentiment_score":0.030893318355083466}],"sentiment":"positive","sentiment_score":0.3536297363042831,"num_words":25,"start":3230.825,"end":3242.87},{"sentences":[{"text":"Absolutely.","start":3242.87,"end":3243.37,"sentiment":"neutral","sentiment_score":0.22792458534240723},{"text":"And when you get a chance, have a look at that email.","start":3243.59,"end":3245.655,"sentiment":"neutral","sentiment_score":0.134838309759895},{"text":"If there's any questions in relation to those documents, let me know.","start":3245.655,"end":3248.875,"sentiment":"neutral","sentiment_score":0.051608770775298275},{"text":"Okay.","start":3248.935,"end":3249.435,"sentiment":"neutral","sentiment_score":0.20254111289978027},{"text":"All good.","start":3250.695,"end":3251.175,"sentiment":"positive","sentiment_score":0.5988264679908752}],"sentiment":"neutral","sentiment_score":0.13805298573736632,"num_words":28,"start":3242.87,"end":3251.175},{"sentences":[{"text":"Thank you, Brad.","start":3251.175,"end":3251.975,"sentiment":"positive","sentiment_score":0.5992072025934855},{"text":"I appreciate your time.","start":3251.975,"end":3253.175,"sentiment":"positive","sentiment_score":0.5258598327636719},{"text":"Have a great night.","start":3253.175,"end":3254.315,"sentiment":"positive","sentiment_score":0.6727656275033951},{"text":"Thanks.","start":3255.975,"end":3256.375,"sentiment":"positive","sentiment_score":0.4566691517829895},{"text":"See you later.","start":3256.375,"end":3257.095,"sentiment":"neutral","sentiment_score":0.2994845261176427}],"sentiment":"positive","sentiment_score":0.5298164119323094,"num_words":15,"start":3251.175,"end":3257.095},{"sentences":[{"text":"Bye.","start":3257.095,"end":3257.595,"sentiment":"neutral","sentiment_score":0.1703280657529831}],"sentiment":"neutral","sentiment_score":0.1703280657529831,"num_words":1,"start":3257.095,"end":3257.595}]}}]},{"alternatives":[{"transcript":"Hello? Hello? Hi, Dana. It was blank there for a minute. It's because you're so far away in Queensland. You know? That's how are you? Yeah. Yeah. Yeah. Let's let's knock it off. Yeah. Not too bad. It's a bit cool down here at the moment, though. Yeah. Yeah. I I I love where we lived here in Kayano on on the South Coast Of New South Wales, but it's very picturesque, but I hate winter because it's too far south and it gets too cold. It's like, at the moment, it's the wind's blowing off the snow a bit further down the coast, so it's like seven degree chill factor or something. So yeah. I'm no. No. I wanna move closer up your way for sure. Oh, yeah. Yeah. Yeah. Yeah. It gets cold in winter. No. No. No. No. If this place wasn't so pretty, I would have left years ago. But Not conveniently. Like, it's just on my phone. I don't have my laptop in front of me, unfortunately. I did look at the hub site and sort of printed off the last financial year kind of stats and had a quick look. But that's, yeah, nothing too too advanced there. Yep. Mhmm. Yes. Yeah. I don't know whether I'm looking at exactly the same graph or whatever as you. I'll refer to your email when when and grasp when I can, and now I'll realize what I'm actually clicking on may be the wrong one. Yeah. Like, it did appear, and I know that we've had some, know, world issues that sort of made a bit of a a decline there late last year or early this financial year. Early this year, whatever it happened to be. Yeah. So I think, yeah, the results could have been better, but that's no fault of anyone's except just just the status quo of the the world finances. Yeah. Yeah. I guess part of the plan going forward was to up my contributions considerably. I haven't done that as yet purely because when I sort of look at it, like, it just seems to be flatlining at the moment. Like, the investment strategy is pretty, pretty flat. I mean, I think, you know, if we look at from January to now, you know, my contributions have been about $7 or whatever, but it's it's it's that hasn't really increased. The investments haven't really worked. I mean, maybe the last three months have improved a little bit. But so I've been hesitant to put, you know, my hard earned cash into it to bolster it up a little bit until I see it sort of performing a bit better. Because I met, you know, currently, I'm earning better interest in the bank. So Yeah. Yeah. Yeah. True. Yeah. Oh, yeah. Yeah. Yeah. Yeah. It was more about and I totally yeah. I totally get what you were just saying. It's I guess that's it just might my initial hesitation and I thought, oh, look, I'll just sit and monitor it and see how it sort of performs. So I thought, you know, it it well, and as we can see that it has picked up the last three months a little bit. But, yeah, just that that whole non movement thing just made me balk it, you know, putting my money in there. Plus, we've had a few things going on here as well where we were we were actually trying to purchase another property. It sort of came left a field. I think I might have mentioned to you that, you know, we would we you know, we're gonna come into a an inheritance soon once we sold the father in law's house. And what were we gonna do with those funds? You know, we were gonna look at investment property and all the rest of it. Well, the investment side of things is not so encouraging with the property market. You know, capital gains tax sort of being eliminated at well-being enforced and and capital gain gosh. Negative gearing being sort of eliminated as an incentive to buy an investment property. However, just to mix things up a little bit, we just went on a weekend away close by to Kiama, actually, but a valley, inland valley, and fell in love with a particular property, which we visited and tried our utmost to actually try and get financed to to buy. So that was another reason why I just held on to my cash and didn't start throwing it into the the the super. That's that was just the other little side diversion really because we couldn't secure the finance and and that property has since sold. So we are still on the market. We're still looking, but that that particular thing sort of prompted us to get into a better position and think about being ready for the next one because we sort of, so I didn't think my wife was really inclined. I've always wanted a a bit of a rural property, but she hasn't. But then when we did a bit of a a weekend stay in that area, it really resonated with her and, yeah, we just happened to find a a a beautiful property. So, anyway, that's a little bit of a side note, but just just sort of set you up about where our interests are at the moment. Yeah. Yes. Yeah. Yeah. Look, I know your review was relatively yeah. I know your review was reasonably recent, but just based on what you had said and and and, yeah, again, that that whole uncertainty with, you know, the Iran Iraq Trump thing, That the the plan forward, as as you documented, it all sounded pretty good. That that really hasn't changed at all, though, has it? No. No. That's still on. Yep. Okay. Cool. Yep. Yep. Yep. Yeah. Yeah. Yep. Yeah. Yeah. Yeah. Yeah. Yeah. Cool. Yeah. I totally understand. Yeah. It's a very difficult market to be, you know, investing in. You know, Trump seems to have everyone as as, you know, sort of puppets at the moment. You don't know what he's gonna do one day to the next. So it can have a huge impact, obviously. And even our own current government are behaving cruelly at the moment. So yeah. Yeah. Yeah. Well, as we speak, we're sort of waiting to hear back from the real estate agent that's taking care of a father in law's property because we have had well, one particular interest, and he's made three subsequent offers. So we're hoping that he's actually accepted today or or tomorrow or whatever. So we're hoping that that sale will be completed, you know, in in the next week or so. So in saying that, I just wanted to while we don't drift away or I don't drift away from remembering, I'll probably start with the increases on those additional contributions, I'll I'll organize that at my end probably this week. So now that we've got some certainty well, it appears as the house might be sold, so we will have that money coming in. So I feel a little bit better about, you know, committing my weekly bit of my weekly wage to those additional payments. So we'll I'll get that aspect of of this investment strategy in action, finally. And then, yeah, I guess the second part is, yeah, we will be having some cash income come in. And, yeah, I think we're still gonna be looking avidly for a for a property to to buy. What we would be looking at is actually to go and live in that property and then rent this one out. So ideally. We'll see if it's possible. Everything's so bloody expensive, so I don't know. Yep. Yeah. Well, look, as it is, I've we've got, say, about a 150,000 left on the loan here, but I've we've actually got a 150,000 in the offset account against it. So we can that cancels that out completely. So and then we've got a 150,000 cash savings, and we're expecting about 350,000 as our share of the inheritance of this house sale. So that'll give us $500,000 cash and effectively no loan. Not not will be debt debt free and have $500,000 cash. So, yeah, that's that's what we've we've got moving forward to to secure a small rural acreage. And the house that we live in here is sort of our forever home. It would actually bring probably around well, the real estate agent just said, you know, up to possibly $1,300 a week because it's quite a nice house. Yeah. Yeah. Well, it's about a $2,000,000 home, 2,200,000 that we've we've we've got here. So we've got good borrowing capacity. It was really just about servicing the sort of that's why the banks wouldn't really give us the money because we're at the very threshold of and I'm sort of thankful now that, you know, it looks like interest rates are gonna go up another quarter next week or something. But anyway, the banks would lend us the money. It was just the servicing that was gonna be hard because the properties that we're looking at are $2,000,000. And we hadn't and we didn't have the $500,000 cash on us because we you know, Terry's father's house hadn't sold. So all a little bit premature, unfortunately, for the ideal property to to come up and present itself, but it got us thinking about what we really want. So, yeah, we still wanna pursue with that with that plan, that that goal. And as I said, it's it's sort of becoming a reality reality now that it looks like the house is sold and we'll actually have some cash. And I was thinking I'd probably I mean, I might be jumping ahead because I was gonna talk to you about this as after it happened. But the the cash is coming in and so we'll have that $500,000 cash. I was just thinking of putting in a return deposit because you can get, like, about five and a half percent. That's a sick just a six month one, and you can access it if you want to anyway, really. So I was thinking just because we're in this period of of keen on buying a rural property because it is a bit of a buyer's market at the moment. So, you know, I'm sort of hoping that something presents itself in the next six months. So I thought for the interim rather than thinking long term, you know, do I put more into super as lump sums and things like that? And that just a peace of mind, security, and getting some form of return that you can get five and a half percent in a term deposit, just maybe do that. On face value, do you think that sounds okay? Uh-huh. Yep. Yeah. Mhmm. Yep. Cool. Mhmm. Yeah. Yeah. Yeah. I definitely will. Yep. Yeah. That's right. Yeah. Yep. Yeah. Yeah. Good advice. Yeah. Right. Wow. You're right. Yeah. Right. Okay. Yeah. Yeah. They certainly don't you know, or haven't explained that publicly, you know, that aspect of it. You know, you really need a professional like yourself to to unravel that and and say, well, that is a benefit. You know? Yeah. Okay. Yeah. Yeah. Yeah. Right. Yeah. Yeah. No. That's fine. Yep. Yeah. Yeah. Yeah. Perfect. Yeah. Well, I mean, me too. And I can sort of agree with that that, you know, like, for those high income earners that avoid tax and know all the loopholes to to achieve that. You know, my wife and I, we are. We're we're not high income earners at all. And like you, all we wanted was investment property to, you know, self fund our retirement rather than, you know, be it be it be a burden on the on the government's, you know, so called pension system if it still exists in a couple of years' time. So all that's all we were looking for. It wasn't really any tax evasion or or certainly we wanted any benefits that we could get from it, but, like, it wasn't. That's certainly not the purpose. But anyway yeah. Okay. So it's a difficult one to enforce sort of generically. So yeah. Not that I wanna give the government any credit, but Yeah. That's right. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. You guys have really had your work cut out for you, like, you know, adapting and understanding all these massive changes. Yeah. Well, you can have it. You know, as I say, like, I've always valued talking to you because it's just way beyond me. I just, yeah, I just get flustered and overwhelmed and then cranky, and I don't even understand the complexities of it by by any means. So it's a credit to you. Awesome. No. Thanks, Dana. Yeah. That's cool. Well, for now, I think it's good. I'll as I said, I'll just I'll up my contributions, like, what like what was in the the forward plan. And hopefully, we'll sell the father in law's house, and we might get some cash. I might definitely take you up on that and just confirm things before I go ahead and, you know, I might take five seconds of your time just to reassure me that I'm doing the right thing for now. But, yeah, definitely, if we broach the the or find a property to invest in, I'll I'll definitely be having some more meaningful conversations with you just to make sure that we structure things right. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yep. Nice. Yeah. That'd be really good because, you know, just in some of the conversations, we we went to, like, three different brokers to to to see the feasibility of of getting this property. And I guess, like, the three of them all bought something a little bit differently. I mean, they were consistently the same sort of method of going out and and acquiring loans through different methods. I guess we didn't really progress much further because, you know, it wasn't well, on face value, I guess it wasn't really plausible or was a bit of an overstretch. So the advice was not to pretty pretty much proceed. So we didn't get into the nitty gritty detail, but, you know, from our conversations, you know, there's different ways of structuring things or so that's that's the bit I I I feel like, you know, definitely professional input is required, and I would definitely be, like, trying to get a second professional independent opinion, you know, as opposed to whatever the brokers say. I I want that validated through you. So yeah. Again, just wanna be do things like the the the best way possible for us. So you even just alluded to the fact that that's exactly what you would do. So yeah. Now I look forward to that conversation because that means things are going well for us. Awesome. Yeah. Fantastic. Appreciate that. I'll reach out there. Thank you. Awesome. Okay. Okay. Perfect. No worries. Sounds great. Just just we just but both my wife and I, because we both work for the local council, we we just got a 4% pay rise, which is through the award. It's not through being great workers. It's just been a state award increase. Well, I think so. But yeah. So I'm not a 100% sure what the growth annual, but you can work that out. But, yeah, it's only a very slight increase. But and we'll place it. No. We're pretty we're cost of living. Yeah. Look, possibly. I've because I pay everything just out of the one credit card, I just look at the bills as as they're sort of paid, and it's consistent. But sometimes they're they're they're more, you know, I might have house and content insurance. So I just received that today. It's like, you know, $3,100 for house insurance. So, you know, the next statement's gonna be obviously a lot more. But I generally know that our living general living costs, you know, are probably, you know, probably closer to the four mark, I I would say, on average. But as I said, occasionally, you get one and it's, like, 7. You go, what? But there might have been oh, no. I've got three cars, a motorbike, and all you know, lots of toys that are expensive just to to keep. So yeah. But yeah. No. Generally, I I feel like if anyone was to audit me, I think the cost of, you know, our general cost would be around about the four k mark. So but I didn't yeah. I didn't just wanna briefly mention I meant to mention earlier, like, when we do look at potentially oh, we'll cross this bridge when it happens, I guess. But it was just that we've got a potentially oh, we'll cross this bridge when it happens, I guess. But it was just that we've got our our daughter who still lives at home. She's 23. I don't think she's gonna go anywhere probably for the next ten years, but we're happy to have her. She's a joy. She's she's she's a great person. So we don't want her to go anywhere. But we were thinking if there was any possibility of of getting her in to the market. Like, when we go to purchase, if there's some way of, like, not using her. That does not that doesn't sound very good. But, like, just, yeah. Yeah. That's a better word. Yeah. Yeah. So Yeah. Yep. Yeah. Mhmm. Yeah. Yeah. Yeah. Right. Okay. Yep. Yeah. Yeah. Yeah. Right. Okay. Yep. Yeah. Yeah. Well, I I think one of the brokers may have mentioned it, but I was really absolutely just said in a sentence over the phone. So I didn't engage in that aspect of it, but I just realized for a bit hanging on the phone. So we'll definitely look into that in more detail when the time comes, but now that's good to know. Yeah. Yeah. Yeah. Yeah. Well, she's got to do the part time job. She's still sort of finishing a TAFE conservation management diploma. She did start uni, but she's not too sure that that's what she wanted to pursue. So she did a year and a half of uni and then just went, look, I don't wanna rack up a, you know, $80,000 hex debt. So she dropped out of that, but took it up and is finishing it at TAFE, which is good. I think that's pretty smart. If she's not sure what she wants to do, but she's just got a part time job that she's had for the last couple of years at the local general store down the road, but she's an avid saver. She's she's really good with her money. So I think the bank would be happy. Yeah. Yeah. It's yeah. I'm pretty proud of her with her money sense. She's very good, very frugal without being miserable. You know, she's she's, yeah, really wise with her money, which is good. I don't know how a co investing will would affect or whether she'd be still able to claim any first time buyers kind of thing. But again, we can deal with that kind of detail when the time comes. I don't wanna bog you down with any of that now. Okay. Mhmm. Mhmm. That's good. I appreciate it. As I said, it was just while I I was sort of thinking out loud, I didn't mean to, like, sidetrack the conversation or anything like that. When you bought the house for your kids, did you in involve or is it just a purely an in in your name? Okay. Yeah. Sure. Yeah. Yeah. No. It's fine. Yep. Beautiful. Yeah. Yeah. Half your life. Yeah. Yeah. It's a perfect setup. That's what we would have loved to have done. Yeah. It hasn't quite worked out the same, but yeah. Yeah. Yeah. Yeah. Yeah. Yeah. That makes sense. That that'd be, you know, certain criteria to yeah. No. All good. Yep. Yeah. Yeah. Look, we'd yeah. We'd only do it if there was benefits. I mean, you did mention a handful of benefits for her in the future beyond that. But, yeah, we'll we'll we'll cross that bridge when the time comes. But, no, that's good to know that these things are worth looking at at the time. So yeah. Alright. Yeah. I think I think I've always been on the on the safer side of everything. So I I'm I mean, I love the idea of getting a good return, but I'm also not a fan of making little losses. So it's more of that balanced, you know, somewhere in between, I think. Yeah. Yeah. Yeah. I that's right. I mean, you know, as it's I'm what I mentioned to you last conversation, you know, there's a couple of people around me that are working IT and there's a couple of really savvy, finance oriented, guys in that team that seem to do pretty well. But they are high risk takers, you know, like, they do their own self managed funds and things like that. So they're right into it. And, you know, so when I sort of turn around, you know, you have a get got a 10% return, they go, oh, I got 18. And, you know, even my own sister was bragging the other week. She her super this year got 24%. So yeah. Yeah. She's got my account and guru in Wollongong that, yeah, has worked wonders over the last twelve months. So anyway, these are all things that but but but they're high risk, obviously. So I understand that. So yeah. I think I'm I'm I'm a three, what you said. God. Anything's possible. Yeah. Obviously, I don't like seeing a loss, especially as, you know, I'm now in my sixtieth year. 59, approaching 60. So the closer I get to retirement, the more it matters. And, obviously, as we're getting it, you know, a much better, more healthy balance in there yeah. And, you know, I'd love to retire, you know, five years ago. So any any loss is is sort of met with appointment, obviously. Yeah. I don't know. I don't know what else I can say, really. Yeah. And I guess, you know, in the big picture of things, especially just getting this bit of Harrison's up, like, I'm feeling more secure. You know, we own our home now outright. We get free effectively. You never get a little bit of cash, and we're always in a good position where we're looking for another property very well, you know, pretty pretty secure. So really, what, you know, a 20% loss on on this, is it really gonna stress me out? Really, it probably shouldn't. You know what I mean? But yeah. So I yeah. I don't know. Maybe I'm not as free on that. I don't know. Maybe I should be less less concerned and more of a risk taker. I don't know. But I guess the only thing that's making me not commit to being more of a risk taker at the moment is just the volatile market, you know, the crazy comp and and crazy Albanese at the moment. So yeah. So I think it's probably wiser to be more on the cautious side at the moment, especially. Okay. Yeah. Yep. That's right. Yeah. Yeah. Yeah. Yeah. Yep. Yeah. Yep. Magic. Thanks. Yeah. Yeah. Right. Okay. Yeah. Right. Cool. Alright. Excellent. Look forward to those conversations also. Well, I'm glad you do. Well, that's good. I'll I'll probably need that, yeah, that that sort of good energy. Yeah. Yeah. I did I did think of something. It's gone, but that's okay. It wasn't important, probably. Yeah. Yeah. Yeah. Will do. Thanks, Dana. Amazing. Alright. That's yeah. I'm happy with that. And if you're happy with that too, yeah, that's reassuring. No. Yep. Yeah. That sounds good to me too. I was yeah. Obviously, also an awareness of a couple of articles I've just read in the last month, I guess, two different ones where a couple of those super funds went went fast or whatever and, you know, people like myself, you know, that that sort of struggled or whatever and have worked really hard and they lost, you know, all or if not, you know, three quarters of their their super, which doesn't seem to be regainable through any measure. So I yeah. That's pretty daunting that that could have even happened at all. So I'm I'm hoping Hub twenty four is secure. Okay. Yeah. Yeah. Well, this is a thing that sort of confused me about these ones that has gone bust and people have lost their money. I'm sort of going, well, how can that happen? Really, it's really just an investment managing service. You know, on for for me, I guess, with Hub twenty four and yourself, it's just really just investing the the funds. It's not a, you know, it's not a person that you're giving your money to. So yeah. Yeah. That's it. Yeah. I was trying to think of some of the names there. Yeah. Wow. Wow. It's terrible. Yeah. Mhmm. Mhmm. Yeah. Well, that's that's reassuring. Yeah. Yeah. But yeah. Yeah. It certainly feels like people that that lost out. That's just shouldn't matter never have been allowed to happen. Yeah. Anyway yeah. Well, once again, thanks, Daniel. I've taken up more time than we probably anticipated, but I really do appreciate it. It's always very good and reassuring after I speak to you. So yeah. Yeah. Thanks very much. Yeah. I can smell it cooking. Thanks very much. Alright. I'll speak to if not beforehand, better than three months' time. Oh, will do. Perfect. Alright. Cheers. Appreciate it. Okay. Bye. You too. See you. 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Hello? Hi, Dana. It was blank there for a minute. It's because you're so far away in Queensland.\n\nYou know? That's how are you? Yeah. Yeah. Yeah.\n\nLet's let's knock it off. Yeah. Not too bad. It's a bit cool down here at the moment, though. Yeah.\n\nYeah. I I I love where we lived here in Kayano on on the South Coast Of New South Wales, but it's very picturesque, but I hate winter because it's too far south and it gets too cold. It's like, at the moment, it's the wind's blowing off the snow a bit further down the coast, so it's like seven degree chill factor or something. So yeah. I'm no.\n\nNo. I wanna move closer up your way for sure. Oh, yeah. Yeah. Yeah.\n\nYeah. It gets cold in winter. No. No. No.\n\nNo. If this place wasn't so pretty, I would have left years ago. But Not conveniently. Like, it's just on my phone. I don't have my laptop in front of me, unfortunately.\n\nI did look at the hub site and sort of printed off the last financial year kind of stats and had a quick look. But that's, yeah, nothing too too advanced there. Yep. Mhmm. Yes.\n\nYeah. I don't know whether I'm looking at exactly the same graph or whatever as you. I'll refer to your email when when and grasp when I can, and now I'll realize what I'm actually clicking on may be the wrong one. Yeah. Like, it did appear, and I know that we've had some, know, world issues that sort of made a bit of a a decline there late last year or early this financial year.\n\nEarly this year, whatever it happened to be. Yeah. So I think, yeah, the results could have been better, but that's no fault of anyone's except just just the status quo of the the world finances. Yeah. Yeah.\n\nI guess part of the plan going forward was to up my contributions considerably. I haven't done that as yet purely because when I sort of look at it, like, it just seems to be flatlining at the moment. Like, the investment strategy is pretty, pretty flat. I mean, I think, you know, if we look at from January to now, you know, my contributions have been about $7 or whatever, but it's it's it's that hasn't really increased. The investments haven't really worked.\n\nI mean, maybe the last three months have improved a little bit. But so I've been hesitant to put, you know, my hard earned cash into it to bolster it up a little bit until I see it sort of performing a bit better. Because I met, you know, currently, I'm earning better interest in the bank. So Yeah. Yeah.\n\nYeah. True. Yeah. Oh, yeah. Yeah.\n\nYeah. Yeah. It was more about and I totally yeah. I totally get what you were just saying. It's I guess that's it just might my initial hesitation and I thought, oh, look, I'll just sit and monitor it and see how it sort of performs.\n\nSo I thought, you know, it it well, and as we can see that it has picked up the last three months a little bit. But, yeah, just that that whole non movement thing just made me balk it, you know, putting my money in there. Plus, we've had a few things going on here as well where we were we were actually trying to purchase another property. It sort of came left a field. I think I might have mentioned to you that, you know, we would we you know, we're gonna come into a an inheritance soon once we sold the father in law's house.\n\nAnd what were we gonna do with those funds? You know, we were gonna look at investment property and all the rest of it. Well, the investment side of things is not so encouraging with the property market. You know, capital gains tax sort of being eliminated at well-being enforced and and capital gain gosh. Negative gearing being sort of eliminated as an incentive to buy an investment property.\n\nHowever, just to mix things up a little bit, we just went on a weekend away close by to Kiama, actually, but a valley, inland valley, and fell in love with a particular property, which we visited and tried our utmost to actually try and get financed to to buy. So that was another reason why I just held on to my cash and didn't start throwing it into the the the super. That's that was just the other little side diversion really because we couldn't secure the finance and and that property has since sold. So we are still on the market. We're still looking, but that that particular thing sort of prompted us to get into a better position and think about being ready for the next one because we sort of, so I didn't think my wife was really inclined.\n\nI've always wanted a a bit of a rural property, but she hasn't. But then when we did a bit of a a weekend stay in that area, it really resonated with her and, yeah, we just happened to find a a a beautiful property. So, anyway, that's a little bit of a side note, but just just sort of set you up about where our interests are at the moment. Yeah. Yes.\n\nYeah. Yeah. Look, I know your review was relatively yeah. I know your review was reasonably recent, but just based on what you had said and and and, yeah, again, that that whole uncertainty with, you know, the Iran Iraq Trump thing, That the the plan forward, as as you documented, it all sounded pretty good. That that really hasn't changed at all, though, has it?\n\nNo. No. That's still on. Yep. Okay.\n\nCool. Yep. Yep. Yep. Yeah.\n\nYeah. Yep. Yeah. Yeah. Yeah.\n\nYeah. Yeah. Cool. Yeah. I totally understand.\n\nYeah. It's a very difficult market to be, you know, investing in. You know, Trump seems to have everyone as as, you know, sort of puppets at the moment. You don't know what he's gonna do one day to the next. So it can have a huge impact, obviously.\n\nAnd even our own current government are behaving cruelly at the moment. So yeah. Yeah. Yeah. Well, as we speak, we're sort of waiting to hear back from the real estate agent that's taking care of a father in law's property because we have had well, one particular interest, and he's made three subsequent offers.\n\nSo we're hoping that he's actually accepted today or or tomorrow or whatever. So we're hoping that that sale will be completed, you know, in in the next week or so. So in saying that, I just wanted to while we don't drift away or I don't drift away from remembering, I'll probably start with the increases on those additional contributions, I'll I'll organize that at my end probably this week. So now that we've got some certainty well, it appears as the house might be sold, so we will have that money coming in. So I feel a little bit better about, you know, committing my weekly bit of my weekly wage to those additional payments.\n\nSo we'll I'll get that aspect of of this investment strategy in action, finally. And then, yeah, I guess the second part is, yeah, we will be having some cash income come in. And, yeah, I think we're still gonna be looking avidly for a for a property to to buy. What we would be looking at is actually to go and live in that property and then rent this one out. So ideally.\n\nWe'll see if it's possible. Everything's so bloody expensive, so I don't know. Yep. Yeah. Well, look, as it is, I've we've got, say, about a 150,000 left on the loan here, but I've we've actually got a 150,000 in the offset account against it.\n\nSo we can that cancels that out completely. So and then we've got a 150,000 cash savings, and we're expecting about 350,000 as our share of the inheritance of this house sale. So that'll give us $500,000 cash and effectively no loan. Not not will be debt debt free and have $500,000 cash. So, yeah, that's that's what we've we've got moving forward to to secure a small rural acreage.\n\nAnd the house that we live in here is sort of our forever home. It would actually bring probably around well, the real estate agent just said, you know, up to possibly $1,300 a week because it's quite a nice house. Yeah. Yeah. Well, it's about a $2,000,000 home, 2,200,000 that we've we've we've got here.\n\nSo we've got good borrowing capacity. It was really just about servicing the sort of that's why the banks wouldn't really give us the money because we're at the very threshold of and I'm sort of thankful now that, you know, it looks like interest rates are gonna go up another quarter next week or something. But anyway, the banks would lend us the money. It was just the servicing that was gonna be hard because the properties that we're looking at are $2,000,000. And we hadn't and we didn't have the $500,000 cash on us because we you know, Terry's father's house hadn't sold.\n\nSo all a little bit premature, unfortunately, for the ideal property to to come up and present itself, but it got us thinking about what we really want. So, yeah, we still wanna pursue with that with that plan, that that goal. And as I said, it's it's sort of becoming a reality reality now that it looks like the house is sold and we'll actually have some cash. And I was thinking I'd probably I mean, I might be jumping ahead because I was gonna talk to you about this as after it happened. But the the cash is coming in and so we'll have that $500,000 cash.\n\nI was just thinking of putting in a return deposit because you can get, like, about five and a half percent. That's a sick just a six month one, and you can access it if you want to anyway, really. So I was thinking just because we're in this period of of keen on buying a rural property because it is a bit of a buyer's market at the moment. So, you know, I'm sort of hoping that something presents itself in the next six months. So I thought for the interim rather than thinking long term, you know, do I put more into super as lump sums and things like that?\n\nAnd that just a peace of mind, security, and getting some form of return that you can get five and a half percent in a term deposit, just maybe do that. On face value, do you think that sounds okay? Uh-huh. Yep. Yeah.\n\nMhmm. Yep. Cool. Mhmm. Yeah.\n\nYeah. Yeah. I definitely will. Yep. Yeah.\n\nThat's right. Yeah. Yep. Yeah. Yeah.\n\nGood advice. Yeah. Right. Wow. You're right.\n\nYeah. Right. Okay. Yeah. Yeah.\n\nThey certainly don't you know, or haven't explained that publicly, you know, that aspect of it. You know, you really need a professional like yourself to to unravel that and and say, well, that is a benefit. You know? Yeah. Okay.\n\nYeah. Yeah. Yeah. Right. Yeah.\n\nYeah. No. That's fine. Yep. Yeah.\n\nYeah. Yeah. Perfect. Yeah. Well, I mean, me too.\n\nAnd I can sort of agree with that that, you know, like, for those high income earners that avoid tax and know all the loopholes to to achieve that. You know, my wife and I, we are. We're we're not high income earners at all. And like you, all we wanted was investment property to, you know, self fund our retirement rather than, you know, be it be it be a burden on the on the government's, you know, so called pension system if it still exists in a couple of years' time. So all that's all we were looking for.\n\nIt wasn't really any tax evasion or or certainly we wanted any benefits that we could get from it, but, like, it wasn't. That's certainly not the purpose. But anyway yeah. Okay. So it's a difficult one to enforce sort of generically.\n\nSo yeah. Not that I wanna give the government any credit, but Yeah. That's right. Yeah. Yeah.\n\nYeah. Yeah. Yeah. Yeah. You guys have really had your work cut out for you, like, you know, adapting and understanding all these massive changes.\n\nYeah. Well, you can have it. You know, as I say, like, I've always valued talking to you because it's just way beyond me. I just, yeah, I just get flustered and overwhelmed and then cranky, and I don't even understand the complexities of it by by any means. So it's a credit to you.\n\nAwesome. No. Thanks, Dana. Yeah. That's cool.\n\nWell, for now, I think it's good. I'll as I said, I'll just I'll up my contributions, like, what like what was in the the forward plan. And hopefully, we'll sell the father in law's house, and we might get some cash. I might definitely take you up on that and just confirm things before I go ahead and, you know, I might take five seconds of your time just to reassure me that I'm doing the right thing for now. But, yeah, definitely, if we broach the the or find a property to invest in, I'll I'll definitely be having some more meaningful conversations with you just to make sure that we structure things right.\n\nYeah. Yeah. Yeah. Yeah. Yeah.\n\nYeah. Yep. Nice. Yeah. That'd be really good because, you know, just in some of the conversations, we we went to, like, three different brokers to to to see the feasibility of of getting this property.\n\nAnd I guess, like, the three of them all bought something a little bit differently. I mean, they were consistently the same sort of method of going out and and acquiring loans through different methods. I guess we didn't really progress much further because, you know, it wasn't well, on face value, I guess it wasn't really plausible or was a bit of an overstretch. So the advice was not to pretty pretty much proceed. So we didn't get into the nitty gritty detail, but, you know, from our conversations, you know, there's different ways of structuring things or so that's that's the bit I I I feel like, you know, definitely professional input is required, and I would definitely be, like, trying to get a second professional independent opinion, you know, as opposed to whatever the brokers say.\n\nI I want that validated through you. So yeah. Again, just wanna be do things like the the the best way possible for us. So you even just alluded to the fact that that's exactly what you would do. So yeah.\n\nNow I look forward to that conversation because that means things are going well for us. Awesome. Yeah. Fantastic. Appreciate that.\n\nI'll reach out there. Thank you. Awesome. Okay. Okay.\n\nPerfect. No worries. Sounds great. Just just we just but both my wife and I, because we both work for the local council, we we just got a 4% pay rise, which is through the award. It's not through being great workers.\n\nIt's just been a state award increase. Well, I think so. But yeah. So I'm not a 100% sure what the growth annual, but you can work that out. But, yeah, it's only a very slight increase.\n\nBut and we'll place it. No. We're pretty we're cost of living. Yeah. Look, possibly.\n\nI've because I pay everything just out of the one credit card, I just look at the bills as as they're sort of paid, and it's consistent. But sometimes they're they're they're more, you know, I might have house and content insurance. So I just received that today. It's like, you know, $3,100 for house insurance. So, you know, the next statement's gonna be obviously a lot more.\n\nBut I generally know that our living general living costs, you know, are probably, you know, probably closer to the four mark, I I would say, on average. But as I said, occasionally, you get one and it's, like, 7. You go, what? But there might have been oh, no. I've got three cars, a motorbike, and all you know, lots of toys that are expensive just to to keep.\n\nSo yeah. But yeah. No. Generally, I I feel like if anyone was to audit me, I think the cost of, you know, our general cost would be around about the four k mark. So but I didn't yeah.\n\nI didn't just wanna briefly mention I meant to mention earlier, like, when we do look at potentially oh, we'll cross this bridge when it happens, I guess. But it was just that we've got a potentially oh, we'll cross this bridge when it happens, I guess. But it was just that we've got our our daughter who still lives at home. She's 23. I don't think she's gonna go anywhere probably for the next ten years, but we're happy to have her.\n\nShe's a joy. She's she's she's a great person. So we don't want her to go anywhere. But we were thinking if there was any possibility of of getting her in to the market. Like, when we go to purchase, if there's some way of, like, not using her.\n\nThat does not that doesn't sound very good. But, like, just, yeah. Yeah. That's a better word. Yeah.\n\nYeah. So Yeah. Yep. Yeah. Mhmm.\n\nYeah. Yeah. Yeah. Right. Okay.\n\nYep. Yeah. Yeah. Yeah. Right.\n\nOkay. Yep. Yeah. Yeah. Well, I I think one of the brokers may have mentioned it, but I was really absolutely just said in a sentence over the phone.\n\nSo I didn't engage in that aspect of it, but I just realized for a bit hanging on the phone. So we'll definitely look into that in more detail when the time comes, but now that's good to know. Yeah. Yeah. Yeah.\n\nYeah. Well, she's got to do the part time job. She's still sort of finishing a TAFE conservation management diploma. She did start uni, but she's not too sure that that's what she wanted to pursue. So she did a year and a half of uni and then just went, look, I don't wanna rack up a, you know, $80,000 hex debt.\n\nSo she dropped out of that, but took it up and is finishing it at TAFE, which is good. I think that's pretty smart. If she's not sure what she wants to do, but she's just got a part time job that she's had for the last couple of years at the local general store down the road, but she's an avid saver. She's she's really good with her money. So I think the bank would be happy.\n\nYeah. Yeah. It's yeah. I'm pretty proud of her with her money sense. She's very good, very frugal without being miserable.\n\nYou know, she's she's, yeah, really wise with her money, which is good. I don't know how a co investing will would affect or whether she'd be still able to claim any first time buyers kind of thing. But again, we can deal with that kind of detail when the time comes. I don't wanna bog you down with any of that now. Okay.\n\nMhmm. Mhmm. That's good. I appreciate it. As I said, it was just while I I was sort of thinking out loud, I didn't mean to, like, sidetrack the conversation or anything like that.\n\nWhen you bought the house for your kids, did you in involve or is it just a purely an in in your name? Okay. Yeah. Sure. Yeah.\n\nYeah. No. It's fine. Yep. Beautiful.\n\nYeah. Yeah. Half your life. Yeah. Yeah.\n\nIt's a perfect setup. That's what we would have loved to have done. Yeah. It hasn't quite worked out the same, but yeah. Yeah.\n\nYeah. Yeah. Yeah. Yeah. That makes sense.\n\nThat that'd be, you know, certain criteria to yeah. No. All good. Yep. Yeah.\n\nYeah. Look, we'd yeah. We'd only do it if there was benefits. I mean, you did mention a handful of benefits for her in the future beyond that. But, yeah, we'll we'll we'll cross that bridge when the time comes.\n\nBut, no, that's good to know that these things are worth looking at at the time. So yeah. Alright. Yeah. I think I think I've always been on the on the safer side of everything.\n\nSo I I'm I mean, I love the idea of getting a good return, but I'm also not a fan of making little losses. So it's more of that balanced, you know, somewhere in between, I think. Yeah. Yeah. Yeah.\n\nI that's right. I mean, you know, as it's I'm what I mentioned to you last conversation, you know, there's a couple of people around me that are working IT and there's a couple of really savvy, finance oriented, guys in that team that seem to do pretty well. But they are high risk takers, you know, like, they do their own self managed funds and things like that. So they're right into it. And, you know, so when I sort of turn around, you know, you have a get got a 10% return, they go, oh, I got 18.\n\nAnd, you know, even my own sister was bragging the other week. She her super this year got 24%. So yeah. Yeah. She's got my account and guru in Wollongong that, yeah, has worked wonders over the last twelve months.\n\nSo anyway, these are all things that but but but they're high risk, obviously. So I understand that. So yeah. I think I'm I'm I'm a three, what you said. God.\n\nAnything's possible. Yeah. Obviously, I don't like seeing a loss, especially as, you know, I'm now in my sixtieth year. 59, approaching 60. So the closer I get to retirement, the more it matters.\n\nAnd, obviously, as we're getting it, you know, a much better, more healthy balance in there yeah. And, you know, I'd love to retire, you know, five years ago. So any any loss is is sort of met with appointment, obviously. Yeah. I don't know.\n\nI don't know what else I can say, really. Yeah. And I guess, you know, in the big picture of things, especially just getting this bit of Harrison's up, like, I'm feeling more secure. You know, we own our home now outright. We get free effectively.\n\nYou never get a little bit of cash, and we're always in a good position where we're looking for another property very well, you know, pretty pretty secure. So really, what, you know, a 20% loss on on this, is it really gonna stress me out? Really, it probably shouldn't. You know what I mean? But yeah.\n\nSo I yeah. I don't know. Maybe I'm not as free on that. I don't know. Maybe I should be less less concerned and more of a risk taker.\n\nI don't know. But I guess the only thing that's making me not commit to being more of a risk taker at the moment is just the volatile market, you know, the crazy comp and and crazy Albanese at the moment. So yeah. So I think it's probably wiser to be more on the cautious side at the moment, especially. Okay.\n\nYeah. Yep. That's right. Yeah. Yeah.\n\nYeah. Yeah. Yep. Yeah. Yep.\n\nMagic. Thanks. Yeah. Yeah. Right.\n\nOkay. Yeah. Right. Cool. Alright.\n\nExcellent. Look forward to those conversations also. Well, I'm glad you do. Well, that's good. I'll I'll probably need that, yeah, that that sort of good energy.\n\nYeah. Yeah. I did I did think of something. It's gone, but that's okay. It wasn't important, probably.\n\nYeah. Yeah. Yeah. Will do. Thanks, Dana.\n\nAmazing. Alright. That's yeah. I'm happy with that. And if you're happy with that too, yeah, that's reassuring.\n\nNo. Yep. Yeah. That sounds good to me too. I was yeah.\n\nObviously, also an awareness of a couple of articles I've just read in the last month, I guess, two different ones where a couple of those super funds went went fast or whatever and, you know, people like myself, you know, that that sort of struggled or whatever and have worked really hard and they lost, you know, all or if not, you know, three quarters of their their super, which doesn't seem to be regainable through any measure. So I yeah. That's pretty daunting that that could have even happened at all. So I'm I'm hoping Hub twenty four is secure. Okay.\n\nYeah. Yeah. Well, this is a thing that sort of confused me about these ones that has gone bust and people have lost their money. I'm sort of going, well, how can that happen? Really, it's really just an investment managing service.\n\nYou know, on for for me, I guess, with Hub twenty four and yourself, it's just really just investing the the funds. It's not a, you know, it's not a person that you're giving your money to. So yeah. Yeah. That's it.\n\nYeah. I was trying to think of some of the names there. Yeah. Wow. Wow.\n\nIt's terrible. Yeah. Mhmm. Mhmm. Yeah.\n\nWell, that's that's reassuring. Yeah. Yeah. But yeah. Yeah.\n\nIt certainly feels like people that that lost out. That's just shouldn't matter never have been allowed to happen. Yeah. Anyway yeah. Well, once again, thanks, Daniel.\n\nI've taken up more time than we probably anticipated, but I really do appreciate it. It's always very good and reassuring after I speak to you. So yeah. Yeah. Thanks very much.\n\nYeah. I can smell it cooking. Thanks very much. Alright. I'll speak to if not beforehand, better than three months' time.\n\nOh, will do. Perfect. Alright. Cheers. Appreciate it.\n\nOkay. Bye. You too. See you. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.56,"end":1.06,"sentiment":"neutral","sentiment_score":0.00599326379597187},{"text":"Hello?","start":5.3599997,"end":5.8599997,"sentiment":"neutral","sentiment_score":0.010876201093196867},{"text":"Hi, Dana.","start":8.96,"end":9.78,"sentiment":"neutral","sentiment_score":0.052638519555330276},{"text":"It was blank there for a minute.","start":11.44,"end":13.309999,"sentiment":"neutral","sentiment_score":-0.19144267908164433},{"text":"It's because you're so far away in Queensland.","start":18.845001,"end":20.865,"sentiment":"neutral","sentiment_score":-0.23637899570167065}],"sentiment":"neutral","sentiment_score":-0.163630748167634,"num_words":19,"start":0.56,"end":20.865},{"sentences":[{"text":"You know?","start":20.925,"end":21.325,"sentiment":"neutral","sentiment_score":-0.12664756178855896},{"text":"That's how are you?","start":21.325,"end":24.625,"sentiment":"neutral","sentiment_score":-0.08348768204450607},{"text":"Yeah.","start":30.550001,"end":30.95,"sentiment":"neutral","sentiment_score":0.06218860670924187},{"text":"Yeah.","start":30.95,"end":31.27,"sentiment":"neutral","sentiment_score":0.04158835485577583},{"text":"Yeah.","start":31.27,"end":31.43,"sentiment":"neutral","sentiment_score":0.03904647007584572}],"sentiment":"neutral","sentiment_score":-0.04938026890158653,"num_words":9,"start":20.925,"end":31.43},{"sentences":[{"text":"Let's let's knock it off.","start":31.43,"end":32.87,"sentiment":"neutral","sentiment_score":-0.008402113802731037},{"text":"Yeah.","start":32.87,"end":33.37,"sentiment":"neutral","sentiment_score":0.15301203727722168},{"text":"Not too bad.","start":37.43,"end":38.23,"sentiment":"neutral","sentiment_score":0.11376946171124776},{"text":"It's a bit cool down here at the moment, though.","start":38.23,"end":40.63,"sentiment":"neutral","sentiment_score":0.04301041346043348},{"text":"Yeah.","start":40.63,"end":41.13,"sentiment":"neutral","sentiment_score":0.030774716287851337}],"sentiment":"neutral","sentiment_score":0.0456594352144748,"num_words":20,"start":31.43,"end":41.13},{"sentences":[{"text":"Yeah.","start":41.775,"end":42.275,"sentiment":"neutral","sentiment_score":0.05235337093472481},{"text":"I I I love where we lived here in Kayano on on the South Coast Of New South Wales, but it's very picturesque, but I hate winter because it's too far south and it gets too cold.","start":43.055,"end":52.575,"sentiment":"neutral","sentiment_score":-0.005300116095993969},{"text":"It's like, at the moment, it's the wind's blowing off the snow a bit further down the coast, so it's like seven degree chill factor or something.","start":52.575,"end":60.62,"sentiment":"neutral","sentiment_score":-0.0621237064263335},{"text":"So yeah.","start":60.62,"end":62.32,"sentiment":"neutral","sentiment_score":-0.040383823215961456},{"text":"I'm no.","start":62.379997,"end":65.04,"sentiment":"neutral","sentiment_score":-0.19207163900136948}],"sentiment":"neutral","sentiment_score":-0.0331304626458365,"num_words":69,"start":41.775,"end":65.04},{"sentences":[{"text":"No.","start":65.74,"end":66.06,"sentiment":"neutral","sentiment_score":-0.17681580781936646},{"text":"I wanna move closer up your way for sure.","start":66.06,"end":68.479996,"sentiment":"neutral","sentiment_score":-0.08916480673684014},{"text":"Oh, yeah.","start":74.085,"end":76.325005,"sentiment":"neutral","sentiment_score":0.012770505622029305},{"text":"Yeah.","start":76.325005,"end":76.565,"sentiment":"neutral","sentiment_score":-0.0012779729440808296},{"text":"Yeah.","start":76.565,"end":77.065,"sentiment":"neutral","sentiment_score":-0.003844988532364368}],"sentiment":"neutral","sentiment_score":-0.06849150133452245,"num_words":14,"start":65.74,"end":77.065},{"sentences":[{"text":"Yeah.","start":77.605,"end":78.005005,"sentiment":"neutral","sentiment_score":-0.011551883071660995},{"text":"It gets cold in winter.","start":78.005005,"end":79.785,"sentiment":"neutral","sentiment_score":-0.06756913885474206},{"text":"No.","start":81.045,"end":81.545,"sentiment":"neutral","sentiment_score":-0.08854003250598907},{"text":"No.","start":81.605,"end":82.105,"sentiment":"neutral","sentiment_score":-0.11234572529792786},{"text":"No.","start":83.189995,"end":83.689995,"sentiment":"neutral","sentiment_score":-0.11923407018184662}],"sentiment":"neutral","sentiment_score":-0.07439082281457053,"num_words":9,"start":77.605,"end":83.689995},{"sentences":[{"text":"No.","start":84.31,"end":84.549995,"sentiment":"neutral","sentiment_score":-0.10873983800411224},{"text":"If this place wasn't so pretty, I would have left years ago.","start":84.549995,"end":87.11,"sentiment":"neutral","sentiment_score":-0.08937346749007702},{"text":"But Not conveniently.","start":87.11,"end":102.365,"sentiment":"neutral","sentiment_score":-0.05365026990572611},{"text":"Like, it's just on my phone.","start":102.505,"end":103.625,"sentiment":"neutral","sentiment_score":-0.1009717018653949},{"text":"I don't have my laptop in front of me, unfortunately.","start":103.625,"end":106.204994,"sentiment":"neutral","sentiment_score":-0.17576853185892105}],"sentiment":"neutral","sentiment_score":-0.11580274335574359,"num_words":32,"start":84.31,"end":106.204994},{"sentences":[{"text":"I did look at the hub site and sort of printed off the last financial year kind of stats and had a quick look.","start":107.384995,"end":115.6,"sentiment":"neutral","sentiment_score":0.026670051738619804},{"text":"But that's, yeah, nothing too too advanced there.","start":115.6,"end":120.26,"sentiment":"neutral","sentiment_score":0.002335256082005799},{"text":"Yep.","start":126.24,"end":126.675,"sentiment":"neutral","sentiment_score":0.10142414271831512},{"text":"Mhmm.","start":128.515,"end":129.015,"sentiment":"neutral","sentiment_score":0.04309121519327164},{"text":"Yes.","start":184.46,"end":184.96,"sentiment":"positive","sentiment_score":0.47216665744781494}],"sentiment":"neutral","sentiment_score":0.03644129444978067,"num_words":35,"start":107.384995,"end":184.96},{"sentences":[{"text":"Yeah.","start":208.31,"end":208.81,"sentiment":"neutral","sentiment_score":-0.012840992771089075},{"text":"I don't know whether I'm looking at exactly the same graph or whatever as you.","start":209.99,"end":214.665,"sentiment":"neutral","sentiment_score":-0.046529540047049525},{"text":"I'll refer to your email when when and grasp when I can, and now I'll realize what I'm actually clicking on may be the wrong one.","start":214.665,"end":221.405,"sentiment":"neutral","sentiment_score":-0.0999550549313426},{"text":"Yeah.","start":223.065,"end":223.565,"sentiment":"neutral","sentiment_score":-0.11778579652309418},{"text":"Like, it did appear, and I know that we've had some, know, world issues that sort of made a bit of a a decline there late last year or early this financial year.","start":224.505,"end":237.39,"sentiment":"neutral","sentiment_score":-0.14868408526209267}],"sentiment":"neutral","sentiment_score":-0.10965758068241964,"num_words":76,"start":208.31,"end":237.39},{"sentences":[{"text":"Early this year, whatever it happened to be.","start":238.01,"end":240.19,"sentiment":"neutral","sentiment_score":0.04335065605118871},{"text":"Yeah.","start":241.425,"end":241.925,"sentiment":"neutral","sentiment_score":0.06691272556781769},{"text":"So I think, yeah, the results could have been better, but that's no fault of anyone's except just just the status quo of the the world finances.","start":242.545,"end":249.845,"sentiment":"neutral","sentiment_score":-0.10595505836385267},{"text":"Yeah.","start":250.14499,"end":250.385,"sentiment":"neutral","sentiment_score":0.07699010521173477},{"text":"Yeah.","start":250.385,"end":250.885,"sentiment":"neutral","sentiment_score":0.10449419915676116}],"sentiment":"neutral","sentiment_score":-0.05962063940732103,"num_words":38,"start":238.01,"end":250.885},{"sentences":[{"text":"I guess part of the plan going forward was to up my contributions considerably.","start":251.905,"end":259.3,"sentiment":"neutral","sentiment_score":0.3208425428186144},{"text":"I haven't done that as yet purely because when I sort of look at it, like, it just seems to be flatlining at the moment.","start":260.47998,"end":270.57498,"sentiment":"neutral","sentiment_score":-0.18736692905426025},{"text":"Like, the investment strategy is pretty, pretty flat.","start":270.57498,"end":273.535,"sentiment":"neutral","sentiment_score":-0.15853036334738135},{"text":"I mean, I think, you know, if we look at from January to now, you know, my contributions have been about $7 or whatever, but it's it's it's that hasn't really increased.","start":273.535,"end":285.3,"sentiment":"neutral","sentiment_score":-0.119784478796646},{"text":"The investments haven't really worked.","start":285.3,"end":287.15997,"sentiment":"negative","sentiment_score":-0.3489618539810181}],"sentiment":"neutral","sentiment_score":-0.08379206101277045,"num_words":84,"start":251.905,"end":287.15997},{"sentences":[{"text":"I mean, maybe the last three months have improved a little bit.","start":287.53998,"end":290.18,"sentiment":"neutral","sentiment_score":-0.09989064124723275},{"text":"But so I've been hesitant to put, you know, my hard earned cash into it to bolster it up a little bit until I see it sort of performing a bit better.","start":290.18,"end":302.405,"sentiment":"neutral","sentiment_score":-0.21034090057946742},{"text":"Because I met, you know, currently, I'm earning better interest in the bank.","start":303.02502,"end":305.665,"sentiment":"neutral","sentiment_score":0.09329446003987239},{"text":"So Yeah.","start":305.665,"end":321.145,"sentiment":"neutral","sentiment_score":0.05775855481624603},{"text":"Yeah.","start":321.145,"end":321.38498,"sentiment":"neutral","sentiment_score":0.06784360110759735}],"sentiment":"neutral","sentiment_score":-0.10889013037085533,"num_words":60,"start":287.53998,"end":321.38498},{"sentences":[{"text":"Yeah.","start":321.38498,"end":321.865,"sentiment":"neutral","sentiment_score":0.09312131255865096},{"text":"True.","start":321.865,"end":322.365,"sentiment":"neutral","sentiment_score":0.1273864209651947},{"text":"Yeah.","start":322.66498,"end":323.16498,"sentiment":"neutral","sentiment_score":0.09941182285547256},{"text":"Oh, yeah.","start":374.005,"end":376.405,"sentiment":"neutral","sentiment_score":-0.008441541343927383},{"text":"Yeah.","start":376.405,"end":376.905,"sentiment":"neutral","sentiment_score":-0.03004619292914867}],"sentiment":"neutral","sentiment_score":0.045498380127052464,"num_words":6,"start":321.38498,"end":376.905},{"sentences":[{"text":"Yeah.","start":379.125,"end":379.625,"sentiment":"neutral","sentiment_score":0.09206342697143556},{"text":"Yeah.","start":387.86,"end":388.18,"sentiment":"neutral","sentiment_score":0.07893787324428558},{"text":"It was more about and I totally yeah.","start":388.18,"end":390.41998,"sentiment":"neutral","sentiment_score":0.09374826494604349},{"text":"I totally get what you were just saying.","start":390.41998,"end":391.86,"sentiment":"neutral","sentiment_score":0.11088077630847692},{"text":"It's I guess that's it just might my initial hesitation and I thought, oh, look, I'll just sit and monitor it and see how it sort of performs.","start":391.86,"end":400.02,"sentiment":"neutral","sentiment_score":0.038782930600323846}],"sentiment":"neutral","sentiment_score":0.06291208015349896,"num_words":46,"start":379.125,"end":400.02},{"sentences":[{"text":"So I thought, you know, it it well, and as we can see that it has picked up the last three months a little bit.","start":400.02,"end":408.495,"sentiment":"neutral","sentiment_score":0.13984420776367187},{"text":"But, yeah, just that that whole non movement thing just made me balk it, you know, putting my money in there.","start":408.495,"end":416.28,"sentiment":"neutral","sentiment_score":-0.2882043094862075},{"text":"Plus, we've had a few things going on here as well where we were we were actually trying to purchase another property.","start":416.36,"end":423.9,"sentiment":"neutral","sentiment_score":-0.050874491814862595},{"text":"It sort of came left a field.","start":424.68,"end":426.04,"sentiment":"neutral","sentiment_score":-0.06697770420994077},{"text":"I think I might have mentioned to you that, you know, we would we you know, we're gonna come into a an inheritance soon once we sold the father in law's house.","start":426.04,"end":434.845,"sentiment":"neutral","sentiment_score":-0.04234235628973693}],"sentiment":"neutral","sentiment_score":-0.05139461173632435,"num_words":107,"start":400.02,"end":434.845},{"sentences":[{"text":"And what were we gonna do with those funds?","start":435.305,"end":437.465,"sentiment":"neutral","sentiment_score":-0.04229200320939223},{"text":"You know, we were gonna look at investment property and all the rest of it.","start":437.465,"end":440.605,"sentiment":"neutral","sentiment_score":-0.0450832337141037},{"text":"Well, the investment side of things is not so encouraging with the property market.","start":440.745,"end":445.64502,"sentiment":"negative","sentiment_score":-0.4511427932551929},{"text":"You know, capital gains tax sort of being eliminated at well-being enforced and and capital gain gosh.","start":445.92,"end":455.7,"sentiment":"neutral","sentiment_score":-0.1843610217466074},{"text":"Negative gearing being sort of eliminated as an incentive to buy an investment property.","start":457.12003,"end":462.105,"sentiment":"neutral","sentiment_score":-0.19984669610857964}],"sentiment":"neutral","sentiment_score":-0.19282415587509025,"num_words":69,"start":435.305,"end":462.105},{"sentences":[{"text":"However, just to mix things up a little bit, we just went on a weekend away close by to Kiama, actually, but a valley, inland valley, and fell in love with a particular property, which we visited and tried our utmost to actually try and get financed to to buy.","start":462.48502,"end":480.98,"sentiment":"neutral","sentiment_score":0.26324181236326694},{"text":"So that was another reason why I just held on to my cash and didn't start throwing it into the the the super.","start":480.98,"end":488.035,"sentiment":"neutral","sentiment_score":0.15785002975684145},{"text":"That's that was just the other little side diversion really because we couldn't secure the finance and and that property has since sold.","start":488.035,"end":501.13,"sentiment":"neutral","sentiment_score":-0.0037940261966508374},{"text":"So we are still on the market.","start":501.13,"end":502.73,"sentiment":"neutral","sentiment_score":0.0815119988151959},{"text":"We're still looking, but that that particular thing sort of prompted us to get into a better position and think about being ready for the next one because we sort of, so I didn't think my wife was really inclined.","start":502.73,"end":515.465,"sentiment":"neutral","sentiment_score":0.03111715745180845}],"sentiment":"neutral","sentiment_score":0.1295150279008842,"num_words":143,"start":462.48502,"end":515.465},{"sentences":[{"text":"I've always wanted a a bit of a rural property, but she hasn't.","start":515.465,"end":518.60504,"sentiment":"neutral","sentiment_score":0.03459960909990164},{"text":"But then when we did a bit of a a weekend stay in that area, it really resonated with her and, yeah, we just happened to find a a a beautiful property.","start":519.465,"end":529.58997,"sentiment":"positive","sentiment_score":0.503397524356842},{"text":"So, anyway, that's a little bit of a side note, but just just sort of set you up about where our interests are at the moment.","start":529.58997,"end":536.17,"sentiment":"neutral","sentiment_score":0.2752392084266131},{"text":"Yeah.","start":537.67,"end":538.17,"sentiment":"neutral","sentiment_score":0.06898507475852966},{"text":"Yes.","start":562.09,"end":562.59,"sentiment":"neutral","sentiment_score":0.07564326375722885}],"sentiment":"neutral","sentiment_score":0.3268405952784297,"num_words":73,"start":515.465,"end":562.59},{"sentences":[{"text":"Yeah.","start":583.24,"end":583.74,"sentiment":"neutral","sentiment_score":-0.18068766593933103},{"text":"Yeah.","start":630.545,"end":631.045,"sentiment":"neutral","sentiment_score":0.21491599082946777},{"text":"Look, I know your review was relatively yeah.","start":631.505,"end":635.31,"sentiment":"neutral","sentiment_score":0.18384002335369587},{"text":"I know your review was reasonably recent, but just based on what you had said and and and, yeah, again, that that whole uncertainty with, you know, the Iran Iraq Trump thing, That the the plan forward, as as you documented, it all sounded pretty good.","start":635.39,"end":656.60504,"sentiment":"neutral","sentiment_score":0.05971138780612661},{"text":"That that really hasn't changed at all, though, has it?","start":656.60504,"end":659.10504,"sentiment":"neutral","sentiment_score":-0.032298886030912397}],"sentiment":"neutral","sentiment_score":0.05952550743170308,"num_words":66,"start":583.24,"end":659.10504},{"sentences":[{"text":"No.","start":659.805,"end":660.125,"sentiment":"neutral","sentiment_score":-0.13459578156471252},{"text":"No.","start":660.125,"end":660.445,"sentiment":"neutral","sentiment_score":-0.11906401813030244},{"text":"That's still on.","start":660.445,"end":661.585,"sentiment":"neutral","sentiment_score":-0.12129154801368713},{"text":"Yep.","start":662.04504,"end":662.365,"sentiment":"neutral","sentiment_score":0.05347616225481033},{"text":"Okay.","start":662.365,"end":662.84503,"sentiment":"neutral","sentiment_score":0.08139582723379135}],"sentiment":"neutral","sentiment_score":-0.06895177917821067,"num_words":7,"start":659.805,"end":662.84503},{"sentences":[{"text":"Cool.","start":662.84503,"end":663.34503,"sentiment":"neutral","sentiment_score":0.12348151952028276},{"text":"Yep.","start":667.19,"end":667.69,"sentiment":"neutral","sentiment_score":0.065725177526474},{"text":"Yep.","start":668.38995,"end":668.88995,"sentiment":"neutral","sentiment_score":0.05765433236956597},{"text":"Yep.","start":671.43,"end":671.93,"sentiment":"neutral","sentiment_score":0.1750244498252869},{"text":"Yeah.","start":677.67,"end":678.17,"sentiment":"neutral","sentiment_score":0.015581026673316956}],"sentiment":"neutral","sentiment_score":0.0874933011829853,"num_words":5,"start":662.84503,"end":678.17},{"sentences":[{"text":"Yeah.","start":692.115,"end":692.59503,"sentiment":"neutral","sentiment_score":0.129539355635643},{"text":"Yep.","start":692.59503,"end":693.09503,"sentiment":"neutral","sentiment_score":0.15314112603664398},{"text":"Yeah.","start":701.16003,"end":701.24,"sentiment":"neutral","sentiment_score":0.01890397258102894},{"text":"Yeah.","start":701.24,"end":701.74,"sentiment":"neutral","sentiment_score":-0.040828678756952286},{"text":"Yeah.","start":717.65497,"end":718.055,"sentiment":"neutral","sentiment_score":0.12343467772006989}],"sentiment":"neutral","sentiment_score":0.0768380906432867,"num_words":5,"start":692.115,"end":718.055},{"sentences":[{"text":"Yeah.","start":718.055,"end":718.45496,"sentiment":"neutral","sentiment_score":0.1700436919927597},{"text":"Yeah.","start":718.45496,"end":718.77496,"sentiment":"neutral","sentiment_score":0.23551969230175016},{"text":"Cool.","start":718.77496,"end":719.27496,"sentiment":"positive","sentiment_score":0.34411996603012085},{"text":"Yeah.","start":719.33496,"end":719.57495,"sentiment":"neutral","sentiment_score":0.1568126082420349},{"text":"I totally understand.","start":719.57495,"end":720.77496,"sentiment":"neutral","sentiment_score":0.11052918806672096}],"sentiment":"neutral","sentiment_score":0.1768690746809755,"num_words":7,"start":718.055,"end":720.77496},{"sentences":[{"text":"Yeah.","start":720.77496,"end":721.095,"sentiment":"neutral","sentiment_score":-0.05350859090685845},{"text":"It's a very difficult market to be, you know, investing in.","start":721.095,"end":726.99,"sentiment":"neutral","sentiment_score":-0.2680436928163875},{"text":"You know, Trump seems to have everyone as as, you know, sort of puppets at the moment.","start":727.29004,"end":731.77,"sentiment":"negative","sentiment_score":-0.33975082811187296},{"text":"You don't know what he's gonna do one day to the next.","start":731.77,"end":734.17,"sentiment":"neutral","sentiment_score":-0.2742040306329727},{"text":"So it can have a huge impact, obviously.","start":734.17,"end":737.01495,"sentiment":"neutral","sentiment_score":-0.31668362580239773}],"sentiment":"neutral","sentiment_score":-0.2979932788531391,"num_words":49,"start":720.77496,"end":737.01495},{"sentences":[{"text":"And even our own current government are behaving cruelly at the moment.","start":737.15497,"end":744.035,"sentiment":"neutral","sentiment_score":-0.26821912700931233},{"text":"So yeah.","start":744.035,"end":745.25494,"sentiment":"neutral","sentiment_score":-0.11014056578278542},{"text":"Yeah.","start":760.33,"end":760.83,"sentiment":"neutral","sentiment_score":0.021821223199367523},{"text":"Yeah.","start":765.135,"end":765.615,"sentiment":"neutral","sentiment_score":0.034723103046417236},{"text":"Well, as we speak, we're sort of waiting to hear back from the real estate agent that's taking care of a father in law's property because we have had well, one particular interest, and he's made three subsequent offers.","start":765.615,"end":781.13,"sentiment":"neutral","sentiment_score":0.04459668008180765}],"sentiment":"neutral","sentiment_score":-0.029874469204382463,"num_words":55,"start":737.15497,"end":781.13},{"sentences":[{"text":"So we're hoping that he's actually accepted today or or tomorrow or whatever.","start":781.13,"end":786.83,"sentiment":"neutral","sentiment_score":0.15388248287714446},{"text":"So we're hoping that that sale will be completed, you know, in in the next week or so.","start":787.05,"end":792.465,"sentiment":"neutral","sentiment_score":0.13993885036971834},{"text":"So in saying that, I just wanted to while we don't drift away or I don't drift away from remembering, I'll probably start with the increases on those additional contributions, I'll I'll organize that at my end probably this week.","start":794.385,"end":811.85,"sentiment":"neutral","sentiment_score":0.04955591709986038},{"text":"So now that we've got some certainty well, it appears as the house might be sold, so we will have that money coming in.","start":811.85,"end":820.57,"sentiment":"neutral","sentiment_score":0.2113453190152844},{"text":"So I feel a little bit better about, you know, committing my weekly bit of my weekly wage to those additional payments.","start":820.57,"end":827.825,"sentiment":"neutral","sentiment_score":0.26091929321939294}],"sentiment":"neutral","sentiment_score":0.14798393483115976,"num_words":117,"start":781.13,"end":827.825},{"sentences":[{"text":"So we'll I'll get that aspect of of this investment strategy in action, finally.","start":827.825,"end":836.72504,"sentiment":"positive","sentiment_score":0.39854027543749126},{"text":"And then, yeah, I guess the second part is, yeah, we will be having some cash income come in.","start":838.4,"end":845.92,"sentiment":"neutral","sentiment_score":0.21424714122947894},{"text":"And, yeah, I think we're still gonna be looking avidly for a for a property to to 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know.","start":863.545,"end":866.445,"sentiment":"neutral","sentiment_score":-0.33270758017897606},{"text":"Yep.","start":876.35004,"end":876.85004,"sentiment":"neutral","sentiment_score":0.02548825368285179},{"text":"Yeah.","start":884.545,"end":885.025,"sentiment":"neutral","sentiment_score":-0.021967215463519096},{"text":"Well, look, as it is, I've we've got, say, about a 150,000 left on the loan here, but I've we've actually got a 150,000 in the offset account against it.","start":885.025,"end":900.86,"sentiment":"neutral","sentiment_score":-0.06955747902393342}],"sentiment":"neutral","sentiment_score":-0.07607825303243267,"num_words":45,"start":861.145,"end":900.86},{"sentences":[{"text":"So we can that cancels that out completely.","start":900.86,"end":903.92,"sentiment":"neutral","sentiment_score":-0.19472569786012173},{"text":"So and then we've got a 150,000 cash savings, and we're expecting about 350,000 as our share of the inheritance of this house 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to possibly $1,300 a week because it's quite a nice house.","start":944.615,"end":954.0,"sentiment":"neutral","sentiment_score":0.21146692970284708},{"text":"Yeah.","start":954.0,"end":954.32,"sentiment":"neutral","sentiment_score":0.2064850926399231},{"text":"Yeah.","start":954.32,"end":954.56,"sentiment":"neutral","sentiment_score":0.17535053193569183},{"text":"Well, it's about a $2,000,000 home, 2,200,000 that we've we've we've got here.","start":954.56,"end":959.83997,"sentiment":"neutral","sentiment_score":0.1899381417494554}],"sentiment":"neutral","sentiment_score":0.3209801788574883,"num_words":56,"start":938.855,"end":959.83997},{"sentences":[{"text":"So we've got good borrowing capacity.","start":959.83997,"end":964.1,"sentiment":"neutral","sentiment_score":0.32645560304323834},{"text":"It was really just about servicing the sort of that's why the banks wouldn't really give us the money because we're at the very threshold of and I'm sort of thankful now that, you know, it looks like interest rates are gonna go up another quarter next week or something.","start":964.16,"end":978.645,"sentiment":"neutral","sentiment_score":0.029779545292258264},{"text":"But anyway, the banks would lend us the money.","start":978.78503,"end":981.99,"sentiment":"neutral","sentiment_score":-0.07956292801019219},{"text":"It was just the servicing that was gonna be hard because the properties that we're looking at are $2,000,000.","start":981.99,"end":987.37,"sentiment":"neutral","sentiment_score":-0.14095121465231242},{"text":"And we hadn't and we didn't have the $500,000 cash on us because we you know, Terry's father's house hadn't sold.","start":989.02997,"end":998.47504,"sentiment":"neutral","sentiment_score":-0.04336292509521757}],"sentiment":"neutral","sentiment_score":-0.008162380710598969,"num_words":105,"start":959.83997,"end":998.47504},{"sentences":[{"text":"So all a little bit premature, unfortunately, for the ideal property to to come up and present itself, but it 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months.","start":1059.955,"end":1066.5149,"sentiment":"neutral","sentiment_score":0.14167873049154878},{"text":"So I thought for the interim rather than thinking long term, you know, do I put more into super as lump sums and things like that?","start":1066.5149,"end":1075.27,"sentiment":"neutral","sentiment_score":0.2068633007315489}],"sentiment":"neutral","sentiment_score":0.08320405051511313,"num_words":112,"start":1037.22,"end":1075.27},{"sentences":[{"text":"And that just a peace of mind, security, and getting some form of return that you can get five and a half percent in a term deposit, just maybe do that.","start":1075.89,"end":1085.545,"sentiment":"neutral","sentiment_score":0.2775497775404684},{"text":"On face value, do you think that sounds 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too.","start":1386.495,"end":1388.015,"sentiment":"neutral","sentiment_score":-0.002874325215816498}],"sentiment":"neutral","sentiment_score":0.05849465603629748,"num_words":9,"start":1378.415,"end":1388.015},{"sentences":[{"text":"And I can sort of agree with that that, you know, like, for those high income earners that avoid tax and know all the loopholes to to achieve that.","start":1388.015,"end":1396.29,"sentiment":"neutral","sentiment_score":-0.06702044317177658},{"text":"You know, my wife and I, we are.","start":1396.4299,"end":1398.75,"sentiment":"neutral","sentiment_score":-0.0070799607783555984},{"text":"We're we're not high income earners at all.","start":1398.75,"end":1401.33,"sentiment":"neutral","sentiment_score":-0.11899157520383596},{"text":"And like you, all we wanted was investment property to, you know, self fund our retirement rather than, you know, be it be it be a burden on the on the government's, you know, so called pension system if it still exists in a couple 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one to enforce sort of generically.","start":1430.0901,"end":1433.79,"sentiment":"neutral","sentiment_score":-0.17713689357042312}],"sentiment":"neutral","sentiment_score":-0.09963282366238889,"num_words":42,"start":1418.855,"end":1433.79},{"sentences":[{"text":"So yeah.","start":1434.89,"end":1435.9501,"sentiment":"neutral","sentiment_score":-0.03769383020699024},{"text":"Not that I wanna give the government any credit, but Yeah.","start":1436.1649,"end":1471.095,"sentiment":"neutral","sentiment_score":-0.12837273627519608},{"text":"That's 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be really good because, you know, just in some of the conversations, we we went to, like, three different brokers to to to see the feasibility of of getting this property.","start":1665.18,"end":1674.455,"sentiment":"neutral","sentiment_score":-0.06295541045255959}],"sentiment":"neutral","sentiment_score":-0.03326783013633556,"num_words":36,"start":1641.7949,"end":1674.455},{"sentences":[{"text":"And I guess, like, the three of them all bought something a little bit differently.","start":1675.5549,"end":1679.1549,"sentiment":"neutral","sentiment_score":-0.06668999244769415},{"text":"I mean, they were consistently the same sort of method of going out and and acquiring loans through different methods.","start":1679.1549,"end":1685.015,"sentiment":"neutral","sentiment_score":-0.06867429614067078},{"text":"I guess we didn't really progress much further because, you know, it wasn't well, on face value, I guess it wasn't really plausible or was a bit of an 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you.","start":1770.28,"end":1771.1,"sentiment":"neutral","sentiment_score":0.20357879996299744},{"text":"Awesome.","start":1775.4,"end":1775.9,"sentiment":"positive","sentiment_score":0.5718764066696167},{"text":"Okay.","start":1776.52,"end":1777.02,"sentiment":"neutral","sentiment_score":0.1938672810792923},{"text":"Okay.","start":1786.0449,"end":1786.5449,"sentiment":"neutral","sentiment_score":0.04964153841137886}],"sentiment":"neutral","sentiment_score":0.1676948368549347,"num_words":9,"start":1768.665,"end":1786.5449},{"sentences":[{"text":"Perfect.","start":1799.76,"end":1800.26,"sentiment":"positive","sentiment_score":0.5433856248855591},{"text":"No worries.","start":1800.32,"end":1801.0599,"sentiment":"positive","sentiment_score":0.3842870891094208},{"text":"Sounds great.","start":1801.2799,"end":1802.1,"sentiment":"positive","sentiment_score":0.7748689949512482},{"text":"Just just we just but both my wife and I, because we both work for the local council, we we just got a 4% pay rise, which is through the award.","start":1810.3999,"end":1823.375,"sentiment":"neutral","sentiment_score":0.09818742370172855},{"text":"It's not through being great workers.","start":1823.375,"end":1825.775,"sentiment":"neutral","sentiment_score":0.02017616108059883}],"sentiment":"neutral","sentiment_score":0.14348964033914463,"num_words":42,"start":1799.76,"end":1825.775},{"sentences":[{"text":"It's just been a state award increase.","start":1825.775,"end":1828.6499,"sentiment":"neutral","sentiment_score":0.019172777122418796},{"text":"Well, I think so.","start":1829.35,"end":1830.49,"sentiment":"neutral","sentiment_score":0.001464893110096455},{"text":"But yeah.","start":1832.47,"end":1834.07,"sentiment":"neutral","sentiment_score":-0.019471789244562387},{"text":"So I'm not a 100% sure what the growth annual, but you can work that out.","start":1834.07,"end":1839.765,"sentiment":"neutral","sentiment_score":-0.029949710238724947},{"text":"But, yeah, it's only a very slight 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more.","start":1878.475,"end":1882.075,"sentiment":"neutral","sentiment_score":-0.04894792614504695}],"sentiment":"neutral","sentiment_score":-0.001031153051264803,"num_words":68,"start":1861.3499,"end":1882.075},{"sentences":[{"text":"But I generally know that our living general living costs, you know, are probably, you know, probably closer to the four mark, I I would say, on average.","start":1882.075,"end":1892.22,"sentiment":"neutral","sentiment_score":0.0008574124159557479},{"text":"But as I said, occasionally, you get one and it's, like, 7.","start":1892.6,"end":1895.48,"sentiment":"neutral","sentiment_score":-0.004007337149232626},{"text":"You go, what?","start":1895.48,"end":1896.255,"sentiment":"neutral","sentiment_score":-0.021977197378873825},{"text":"But there might have been oh, no.","start":1896.495,"end":1898.095,"sentiment":"neutral","sentiment_score":-0.04243736820561545},{"text":"I've got three cars, a motorbike, and all you know, lots of toys that are expensive just 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I I think one of the brokers may have mentioned it, but I was really absolutely just said in a sentence over the phone.","start":2067.4849,"end":2074.47,"sentiment":"neutral","sentiment_score":0.0025192032754421233}],"sentiment":"neutral","sentiment_score":0.012112300971458698,"num_words":29,"start":2061.805,"end":2074.47},{"sentences":[{"text":"So I didn't engage in that aspect of it, but I just realized for a bit hanging on the phone.","start":2074.47,"end":2079.03,"sentiment":"neutral","sentiment_score":-0.04719255929812789},{"text":"So we'll definitely look into that in more detail when the time comes, but now that's good to 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of that now.","start":2181.505,"end":2183.55,"sentiment":"neutral","sentiment_score":-0.04807765121487054},{"text":"Okay.","start":2188.03,"end":2188.53,"sentiment":"neutral","sentiment_score":0.008207517676055431}],"sentiment":"neutral","sentiment_score":0.10433802647457924,"num_words":64,"start":2161.5498,"end":2188.53},{"sentences":[{"text":"Mhmm.","start":2193.71,"end":2194.21,"sentiment":"neutral","sentiment_score":0.004790849518030882},{"text":"Mhmm.","start":2195.87,"end":2196.37,"sentiment":"neutral","sentiment_score":0.0039767855778336525},{"text":"That's good.","start":2217.49,"end":2217.9702,"sentiment":"positive","sentiment_score":0.6564964354038239},{"text":"I appreciate it.","start":2217.9702,"end":2218.77,"sentiment":"positive","sentiment_score":0.6751447121302286},{"text":"As I said, it was just while I I was sort of thinking out loud, I didn't mean to, like, sidetrack the conversation or anything like 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think.","start":2430.1,"end":2435.88,"sentiment":"neutral","sentiment_score":-0.08067775746950737},{"text":"Yeah.","start":2445.775,"end":2446.275,"sentiment":"neutral","sentiment_score":0.2661578953266144},{"text":"Yeah.","start":2449.2148,"end":2449.7148,"sentiment":"neutral","sentiment_score":0.13372132182121277},{"text":"Yeah.","start":2450.1748,"end":2450.4949,"sentiment":"neutral","sentiment_score":0.14775410294532776}],"sentiment":"neutral","sentiment_score":0.013881578296422958,"num_words":40,"start":2422.325,"end":2450.4949},{"sentences":[{"text":"I that's right.","start":2450.4949,"end":2451.4548,"sentiment":"neutral","sentiment_score":0.2579283316930135},{"text":"I mean, you know, as it's I'm what I mentioned to you last conversation, you know, there's a couple of people around me that are working IT and there's a couple of really savvy, finance oriented, guys in that team that seem to do pretty 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24%.","start":2484.405,"end":2487.66,"sentiment":"positive","sentiment_score":0.37091389298439026},{"text":"So yeah.","start":2488.6199,"end":2490.0798,"sentiment":"neutral","sentiment_score":0.11720431223511696},{"text":"Yeah.","start":2490.22,"end":2490.72,"sentiment":"neutral","sentiment_score":0.0926942527294159},{"text":"She's got my account and guru in Wollongong that, yeah, has worked wonders over the last twelve months.","start":2490.78,"end":2498.8599,"sentiment":"neutral","sentiment_score":0.2557893813484245}],"sentiment":"neutral","sentiment_score":0.2314572677947581,"num_words":40,"start":2479.7651,"end":2498.8599},{"sentences":[{"text":"So anyway, these are all things that but but but they're high risk, obviously.","start":2498.8599,"end":2502.8552,"sentiment":"neutral","sentiment_score":-0.07229486294090748},{"text":"So I understand that.","start":2502.915,"end":2505.495,"sentiment":"neutral","sentiment_score":0.0027747871354222298},{"text":"So yeah.","start":2505.955,"end":2506.5952,"sentiment":"neutral","sentiment_score":-0.008263936266303062},{"text":"I think I'm I'm I'm a three, what you said.","start":2506.5952,"end":2509.495,"sentiment":"neutral","sentiment_score":-0.0013096477370709181},{"text":"God.","start":2522.33,"end":2522.65,"sentiment":"neutral","sentiment_score":-0.2351374626159668}],"sentiment":"neutral","sentiment_score":-0.04083195952097735,"num_words":31,"start":2498.8599,"end":2522.65},{"sentences":[{"text":"Anything's possible.","start":2522.65,"end":2523.55,"sentiment":"neutral","sentiment_score":-0.16679199784994125},{"text":"Yeah.","start":2525.69,"end":2526.19,"sentiment":"neutral","sentiment_score":-0.0999947041273117},{"text":"Obviously, I don't like seeing a loss, especially as, you know, I'm now in my sixtieth year.","start":2540.915,"end":2548.03,"sentiment":"negative","sentiment_score":-0.5018662985633401},{"text":"59, approaching 60.","start":2548.03,"end":2549.81,"sentiment":"neutral","sentiment_score":0.022210852553447086},{"text":"So the closer I get to retirement, the more it matters.","start":2550.11,"end":2553.7302,"sentiment":"neutral","sentiment_score":0.06707240912047299}],"sentiment":"neutral","sentiment_score":-0.24002578580642447,"num_words":34,"start":2522.65,"end":2553.7302},{"sentences":[{"text":"And, obviously, as we're getting it, you know, a much better, more healthy balance in there yeah.","start":2555.335,"end":2562.455,"sentiment":"positive","sentiment_score":0.4070856676382177},{"text":"And, you know, I'd love to retire, you know, five years ago.","start":2562.455,"end":2565.895,"sentiment":"positive","sentiment_score":0.43067390471696854},{"text":"So any any loss is is sort of met with appointment, obviously.","start":2565.895,"end":2571.76,"sentiment":"neutral","sentiment_score":-0.09403909960140784},{"text":"Yeah.","start":2573.18,"end":2573.68,"sentiment":"neutral","sentiment_score":-0.00941750779747963},{"text":"I don't know.","start":2573.82,"end":2574.46,"sentiment":"neutral","sentiment_score":-0.13813010851542154}],"sentiment":"neutral","sentiment_score":0.2341392483976152,"num_words":45,"start":2555.335,"end":2574.46},{"sentences":[{"text":"I don't know what else I can say, really.","start":2574.46,"end":2576.88,"sentiment":"neutral","sentiment_score":-0.239516567852762},{"text":"Yeah.","start":2594.635,"end":2595.135,"sentiment":"neutral","sentiment_score":0.027727235108613968},{"text":"And I guess, you know, in the big picture of things, especially just getting this bit of Harrison's up, like, I'm feeling more secure.","start":2595.355,"end":2601.01,"sentiment":"neutral","sentiment_score":0.21711055670554438},{"text":"You know, we own our home now outright.","start":2601.01,"end":2603.49,"sentiment":"neutral","sentiment_score":0.2285151518881321},{"text":"We get free effectively.","start":2603.49,"end":2605.81,"sentiment":"neutral","sentiment_score":0.2595349960029125}],"sentiment":"neutral","sentiment_score":0.12932592792355496,"num_words":46,"start":2574.46,"end":2605.81},{"sentences":[{"text":"You never get a little bit of cash, and we're always in a good position where we're looking for another property very well, you know, pretty pretty secure.","start":2605.81,"end":2613.605,"sentiment":"positive","sentiment_score":0.348630410486034},{"text":"So really, what, you know, a 20% loss on on this, is it really gonna stress me out?","start":2613.605,"end":2621.385,"sentiment":"negative","sentiment_score":-0.441122643235657},{"text":"Really, it probably shouldn't.","start":2621.605,"end":2623.065,"sentiment":"negative","sentiment_score":-0.4592546299099922},{"text":"You know what I mean?","start":2624.165,"end":2625.125,"sentiment":"neutral","sentiment_score":-0.24723185300827027},{"text":"But yeah.","start":2625.125,"end":2628.38,"sentiment":"neutral","sentiment_score":-0.15703218802809715}],"sentiment":"neutral","sentiment_score":-0.027470144655620844,"num_words":57,"start":2605.81,"end":2628.38},{"sentences":[{"text":"So I yeah.","start":2629.48,"end":2630.44,"sentiment":"neutral","sentiment_score":-0.14191531389951706},{"text":"I don't know.","start":2630.44,"end":2631.16,"sentiment":"negative","sentiment_score":-0.38281771540641785},{"text":"Maybe I'm not as free on that.","start":2631.16,"end":2632.8398,"sentiment":"negative","sentiment_score":-0.41310446177210125},{"text":"I don't know.","start":2632.8398,"end":2633.66,"sentiment":"neutral","sentiment_score":-0.3079092303911845},{"text":"Maybe I should be less less concerned and more of a risk taker.","start":2633.96,"end":2637.48,"sentiment":"neutral","sentiment_score":-0.30910284931843096}],"sentiment":"neutral","sentiment_score":-0.32441362250467826,"num_words":29,"start":2629.48,"end":2637.48},{"sentences":[{"text":"I don't know.","start":2637.48,"end":2637.88,"sentiment":"neutral","sentiment_score":-0.22560548782348633},{"text":"But I guess the only thing that's making me not commit to being more of a risk taker at the moment is just the volatile market, you know, the crazy comp and and crazy Albanese at the moment.","start":2637.88,"end":2649.425,"sentiment":"neutral","sentiment_score":-0.22279832512140274},{"text":"So yeah.","start":2649.425,"end":2652.705,"sentiment":"neutral","sentiment_score":-0.016930650919675827},{"text":"So I think it's probably wiser to be more on the cautious side at the moment, especially.","start":2652.705,"end":2657.6199,"sentiment":"neutral","sentiment_score":-0.07066969426951426},{"text":"Okay.","start":2713.87,"end":2714.37,"sentiment":"neutral","sentiment_score":-0.1612454056739807}],"sentiment":"neutral","sentiment_score":-0.17278105456030882,"num_words":61,"start":2637.48,"end":2714.37},{"sentences":[{"text":"Yeah.","start":2726.725,"end":2727.225,"sentiment":"neutral","sentiment_score":-0.14965565502643585},{"text":"Yep.","start":2746.21,"end":2746.71,"sentiment":"neutral","sentiment_score":0.06099614500999451},{"text":"That's right.","start":2748.8499,"end":2749.8298,"sentiment":"neutral","sentiment_score":0.12787403538823128},{"text":"Yeah.","start":2750.0498,"end":2750.5498,"sentiment":"neutral","sentiment_score":0.04814836382865906},{"text":"Yeah.","start":2784.8252,"end":2785.3252,"sentiment":"neutral","sentiment_score":-0.09802354127168655}],"sentiment":"neutral","sentiment_score":0.01953556388616562,"num_words":6,"start":2726.725,"end":2785.3252},{"sentences":[{"text":"Yeah.","start":2790.345,"end":2790.845,"sentiment":"neutral","sentiment_score":0.08237433433532715},{"text":"Yeah.","start":2794.745,"end":2795.245,"sentiment":"neutral","sentiment_score":0.1498824954032898},{"text":"Yep.","start":2795.3052,"end":2795.8052,"sentiment":"neutral","sentiment_score":0.2084072232246399},{"text":"Yeah.","start":2821.265,"end":2821.765,"sentiment":"neutral","sentiment_score":-0.016888337209820747},{"text":"Yep.","start":2822.385,"end":2822.885,"sentiment":"neutral","sentiment_score":0.15007083117961884}],"sentiment":"neutral","sentiment_score":0.11476930938661098,"num_words":5,"start":2790.345,"end":2822.885},{"sentences":[{"text":"Magic.","start":2823.185,"end":2823.685,"sentiment":"neutral","sentiment_score":0.3316085934638977},{"text":"Thanks.","start":2834.9602,"end":2835.4602,"sentiment":"neutral","sentiment_score":0.23641937971115112},{"text":"Yeah.","start":2835.6,"end":2836.1,"sentiment":"neutral","sentiment_score":0.1685527861118317},{"text":"Yeah.","start":2855.13,"end":2855.3699,"sentiment":"neutral","sentiment_score":0.15345299243927002},{"text":"Right.","start":2855.3699,"end":2855.8499,"sentiment":"neutral","sentiment_score":0.12954051792621613}],"sentiment":"neutral","sentiment_score":0.20391485393047332,"num_words":5,"start":2823.185,"end":2855.8499},{"sentences":[{"text":"Okay.","start":2855.8499,"end":2856.3499,"sentiment":"neutral","sentiment_score":0.1596899926662445},{"text":"Yeah.","start":2860.8098,"end":2861.13,"sentiment":"neutral","sentiment_score":0.1741640567779541},{"text":"Right.","start":2861.13,"end":2861.63,"sentiment":"neutral","sentiment_score":0.08890998363494873},{"text":"Cool.","start":2863.0498,"end":2863.5498,"sentiment":"neutral","sentiment_score":0.2211296558380127},{"text":"Alright.","start":2863.77,"end":2864.17,"sentiment":"positive","sentiment_score":0.36583197116851807}],"sentiment":"neutral","sentiment_score":0.20194513201713563,"num_words":5,"start":2855.8499,"end":2864.17},{"sentences":[{"text":"Excellent.","start":2864.17,"end":2864.65,"sentiment":"positive","sentiment_score":0.6663185358047485},{"text":"Look forward to those conversations also.","start":2864.65,"end":2866.5898,"sentiment":"positive","sentiment_score":0.5752468208471934},{"text":"Well, I'm glad you do.","start":2868.825,"end":2873.325,"sentiment":"neutral","sentiment_score":0.09180255420506},{"text":"Well, that's good.","start":2878.105,"end":2878.7449,"sentiment":"positive","sentiment_score":0.4162535568078359},{"text":"I'll I'll probably need that, yeah, that that sort of good energy.","start":2878.7449,"end":2882.845,"sentiment":"neutral","sentiment_score":0.1534433172394832}],"sentiment":"neutral","sentiment_score":0.28395898923001905,"num_words":27,"start":2864.17,"end":2882.845},{"sentences":[{"text":"Yeah.","start":2883.305,"end":2883.805,"sentiment":"neutral","sentiment_score":0.027189241722226143},{"text":"Yeah.","start":2886.5999,"end":2887.0999,"sentiment":"neutral","sentiment_score":0.020502950996160507},{"text":"I did I did think of something.","start":2887.8,"end":2889.24,"sentiment":"neutral","sentiment_score":-0.0016952800963606154},{"text":"It's gone, but that's okay.","start":2889.24,"end":2890.7,"sentiment":"neutral","sentiment_score":-0.02337240893393755},{"text":"It wasn't important, probably.","start":2890.76,"end":2892.0598,"sentiment":"neutral","sentiment_score":-0.0006392073701135814}],"sentiment":"neutral","sentiment_score":-0.004644091228126652,"num_words":18,"start":2883.305,"end":2892.0598},{"sentences":[{"text":"Yeah.","start":2892.68,"end":2893.18,"sentiment":"neutral","sentiment_score":0.02697063609957695},{"text":"Yeah.","start":2895.8,"end":2896.3,"sentiment":"neutral","sentiment_score":0.18856078386306763},{"text":"Yeah.","start":2896.68,"end":2897.0798,"sentiment":"neutral","sentiment_score":0.1861127018928528},{"text":"Will do.","start":2897.0798,"end":2897.64,"sentiment":"neutral","sentiment_score":0.27710773050785065},{"text":"Thanks, Dana.","start":2897.64,"end":2898.54,"sentiment":"positive","sentiment_score":0.4741652011871338}],"sentiment":"neutral","sentiment_score":0.2720271407493523,"num_words":7,"start":2892.68,"end":2898.54},{"sentences":[{"text":"Amazing.","start":2898.8398,"end":2899.3398,"sentiment":"positive","sentiment_score":0.5130536556243896},{"text":"Alright.","start":2903.085,"end":2903.5652,"sentiment":"neutral","sentiment_score":0.16756097972393036},{"text":"That's yeah.","start":2903.5652,"end":2904.5251,"sentiment":"neutral","sentiment_score":0.19901426136493683},{"text":"I'm happy with that.","start":2904.5251,"end":2905.405,"sentiment":"positive","sentiment_score":0.4582070857286453},{"text":"And if you're happy with that too, yeah, that's reassuring.","start":2905.405,"end":2908.465,"sentiment":"positive","sentiment_score":0.3534741967916489}],"sentiment":"positive","sentiment_score":0.3581229704949591,"num_words":18,"start":2898.8398,"end":2908.465},{"sentences":[{"text":"No.","start":2922.1,"end":2922.6,"sentiment":"neutral","sentiment_score":-0.13124090433120728},{"text":"Yep.","start":2941.645,"end":2942.145,"sentiment":"neutral","sentiment_score":0.05707388371229172},{"text":"Yeah.","start":2942.6848,"end":2942.9248,"sentiment":"neutral","sentiment_score":0.13579602539539337},{"text":"That sounds good to me too.","start":2942.9248,"end":2944.5,"sentiment":"neutral","sentiment_score":0.2032582089304924},{"text":"I was yeah.","start":2944.66,"end":2946.26,"sentiment":"neutral","sentiment_score":0.03292054124176502}],"sentiment":"neutral","sentiment_score":0.11499499017372727,"num_words":12,"start":2922.1,"end":2946.26},{"sentences":[{"text":"Obviously, also an awareness of a couple of articles I've just read in the last month, I guess, two different ones where a couple of those super funds went went fast or whatever and, you know, people like myself, you know, that that sort of struggled or whatever and have worked really hard and they lost, you know, all or if not, you know, three quarters of their their super, which doesn't seem to be regainable through any measure.","start":2946.26,"end":2972.0752,"sentiment":"neutral","sentiment_score":-0.039652999726277366},{"text":"So I yeah.","start":2972.0752,"end":2973.195,"sentiment":"neutral","sentiment_score":-0.07851351176699002},{"text":"That's pretty daunting that that could have even happened at all.","start":2973.195,"end":2976.49,"sentiment":"negative","sentiment_score":-0.44543063098734076},{"text":"So I'm I'm hoping Hub twenty four is secure.","start":2978.15,"end":2980.89,"sentiment":"neutral","sentiment_score":-0.10932148579094145},{"text":"Okay.","start":3001.465,"end":3001.95,"sentiment":"neutral","sentiment_score":0.024228202179074287}],"sentiment":"neutral","sentiment_score":-0.08958766625705854,"num_words":103,"start":2946.26,"end":3001.95},{"sentences":[{"text":"Yeah.","start":3003.71,"end":3004.21,"sentiment":"neutral","sentiment_score":0.006359118968248367},{"text":"Yeah.","start":3028.985,"end":3029.485,"sentiment":"neutral","sentiment_score":-0.17754527926445007},{"text":"Well, this is a thing that sort of confused me about these ones that has gone bust and people have lost their money.","start":3035.05,"end":3041.21,"sentiment":"negative","sentiment_score":-0.33671346954677417},{"text":"I'm sort of going, well, how can that happen?","start":3041.21,"end":3043.45,"sentiment":"neutral","sentiment_score":-0.2866763671239217},{"text":"Really, it's really just an investment managing service.","start":3043.45,"end":3046.6848,"sentiment":"neutral","sentiment_score":-0.03147138864733279}],"sentiment":"neutral","sentiment_score":-0.25589177078966585,"num_words":42,"start":3003.71,"end":3046.6848},{"sentences":[{"text":"You know, on for for me, I guess, with Hub twenty four and yourself, it's just really just investing the the funds.","start":3048.105,"end":3054.7449,"sentiment":"neutral","sentiment_score":-0.034256426532837475},{"text":"It's not a, you know, it's not a person that you're giving your money to.","start":3054.7449,"end":3059.04,"sentiment":"neutral","sentiment_score":-0.13077088197072348},{"text":"So yeah.","start":3059.3398,"end":3060.24,"sentiment":"neutral","sentiment_score":-0.07090995833277702},{"text":"Yeah.","start":3070.715,"end":3070.955,"sentiment":"neutral","sentiment_score":-0.049995847046375275},{"text":"That's it.","start":3070.955,"end":3071.5151,"sentiment":"neutral","sentiment_score":-0.05632147751748562}],"sentiment":"neutral","sentiment_score":-0.0718967460007185,"num_words":42,"start":3048.105,"end":3071.5151},{"sentences":[{"text":"Yeah.","start":3071.5151,"end":3071.675,"sentiment":"neutral","sentiment_score":-0.04661325365304947},{"text":"I was trying to think of some of the names there.","start":3071.675,"end":3074.0151,"sentiment":"neutral","sentiment_score":-0.04915604808113792},{"text":"Yeah.","start":3074.5552,"end":3075.0552,"sentiment":"neutral","sentiment_score":-0.16644540429115295},{"text":"Wow.","start":3132.735,"end":3133.235,"sentiment":"negative","sentiment_score":-0.4803512692451477},{"text":"Wow.","start":3135.215,"end":3135.715,"sentiment":"neutral","sentiment_score":-0.28102773427963257}],"sentiment":"neutral","sentiment_score":-0.10101027935743331,"num_words":15,"start":3071.5151,"end":3135.715},{"sentences":[{"text":"It's terrible.","start":3138.3,"end":3139.12,"sentiment":"negative","sentiment_score":-0.588764488697052},{"text":"Yeah.","start":3171.56,"end":3172.06,"sentiment":"neutral","sentiment_score":-0.017283186316490173},{"text":"Mhmm.","start":3192.04,"end":3192.54,"sentiment":"neutral","sentiment_score":0.14922372996807098},{"text":"Mhmm.","start":3199.96,"end":3200.1199,"sentiment":"neutral","sentiment_score":0.047274716198444366},{"text":"Yeah.","start":3200.1199,"end":3200.36,"sentiment":"neutral","sentiment_score":0.030014991760253903}],"sentiment":"neutral","sentiment_score":-0.1613831209639708,"num_words":6,"start":3138.3,"end":3200.36},{"sentences":[{"text":"Well, that's that's reassuring.","start":3200.36,"end":3201.66,"sentiment":"positive","sentiment_score":0.5279369354248047},{"text":"Yeah.","start":3201.88,"end":3202.28,"sentiment":"neutral","sentiment_score":0.1777612715959549},{"text":"Yeah.","start":3202.28,"end":3202.68,"sentiment":"neutral","sentiment_score":0.0693882405757904},{"text":"But yeah.","start":3202.68,"end":3203.32,"sentiment":"neutral","sentiment_score":0.006058367900550365},{"text":"Yeah.","start":3203.32,"end":3203.48,"sentiment":"neutral","sentiment_score":-0.033365800976753235}],"sentiment":"neutral","sentiment_score":0.2597386876328124,"num_words":9,"start":3200.36,"end":3203.48},{"sentences":[{"text":"It certainly feels like people that that lost out.","start":3203.48,"end":3206.175,"sentiment":"neutral","sentiment_score":-0.27868934637970394},{"text":"That's just shouldn't matter never have been allowed to happen.","start":3206.175,"end":3210.0352,"sentiment":"neutral","sentiment_score":-0.21254455000162126},{"text":"Yeah.","start":3210.095,"end":3210.595,"sentiment":"neutral","sentiment_score":-0.10514141619205476},{"text":"Anyway yeah.","start":3212.2551,"end":3213.7952,"sentiment":"neutral","sentiment_score":-0.1985321044921875},{"text":"Well, once again, thanks, Daniel.","start":3215.215,"end":3216.7551,"sentiment":"neutral","sentiment_score":0.18319359719753264}],"sentiment":"neutral","sentiment_score":-0.15629212061564127,"num_words":27,"start":3203.48,"end":3216.7551},{"sentences":[{"text":"I've taken up more time than we probably anticipated, but I really do appreciate it.","start":3217.135,"end":3221.8,"sentiment":"neutral","sentiment_score":-0.018029212827483813},{"text":"It's always very good and reassuring after I speak to you.","start":3221.8,"end":3224.84,"sentiment":"positive","sentiment_score":0.3386342085220597},{"text":"So yeah.","start":3224.84,"end":3226.86,"sentiment":"neutral","sentiment_score":0.27014852315187454},{"text":"Yeah.","start":3227.6401,"end":3227.96,"sentiment":"neutral","sentiment_score":0.2810194492340088},{"text":"Thanks very much.","start":3227.96,"end":3229.1,"sentiment":"positive","sentiment_score":0.6413121620814005}],"sentiment":"neutral","sentiment_score":0.19374347134726122,"num_words":32,"start":3217.135,"end":3229.1},{"sentences":[{"text":"Yeah.","start":3234.055,"end":3234.295,"sentiment":"neutral","sentiment_score":0.11432605236768724},{"text":"I can smell it cooking.","start":3234.295,"end":3235.595,"sentiment":"neutral","sentiment_score":0.3070570111274719},{"text":"Thanks very much.","start":3237.015,"end":3238.075,"sentiment":"positive","sentiment_score":0.5890335043271383},{"text":"Alright.","start":3238.2148,"end":3238.535,"sentiment":"neutral","sentiment_score":0.20783627033233645},{"text":"I'll speak to if not beforehand, better than three months' time.","start":3238.535,"end":3241.9148,"sentiment":"neutral","sentiment_score":0.06778845241801305}],"sentiment":"neutral","sentiment_score":0.20810575561509245,"num_words":21,"start":3234.055,"end":3241.9148},{"sentences":[{"text":"Oh, will do.","start":3246.65,"end":3247.5498,"sentiment":"neutral","sentiment_score":0.029599747930963833},{"text":"Perfect.","start":3249.2898,"end":3249.7898,"sentiment":"positive","sentiment_score":0.5570573210716248},{"text":"Alright.","start":3250.0098,"end":3250.5098,"sentiment":"positive","sentiment_score":0.43632909655570984},{"text":"Cheers.","start":3250.65,"end":3251.13,"sentiment":"positive","sentiment_score":0.6047893166542053},{"text":"Appreciate it.","start":3251.13,"end":3252.0298,"sentiment":"positive","sentiment_score":0.6586560010910034}],"sentiment":"positive","sentiment_score":0.3755358725320548,"num_words":8,"start":3246.65,"end":3252.0298},{"sentences":[{"text":"Okay.","start":3252.5698,"end":3253.0698,"sentiment":"positive","sentiment_score":0.3717231750488281},{"text":"Bye.","start":3254.49,"end":3254.73,"sentiment":"positive","sentiment_score":0.37420400977134705},{"text":"You too.","start":3254.73,"end":3255.3699,"sentiment":"neutral","sentiment_score":0.28022412955760956},{"text":"See you.","start":3255.3699,"end":3256.1099,"sentiment":"neutral","sentiment_score":0.32462865114212036},{"text":"Bye.","start":3257.69,"end":3258.19,"sentiment":"neutral","sentiment_score":-0.0775795429944992}],"sentiment":"neutral","sentiment_score":0.26829331474644796,"num_words":7,"start":3252.5698,"end":3258.19}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello? Hello?\n\nChannel 0: Hi, Brad. It's Dana from OQ Financial. How\n\nChannel 1: Hi,\n\nChannel 0: are you\n\nChannel 1: Dana.\n\nChannel 0: today?\n\nChannel 1: It was blank there for a minute.\n\nChannel 0: Yeah. I couldn't hear anything. I was like, oh, no. Did you answer? Am I leaving a message?\n\nChannel 1: It's because you're so far away in Queensland. You know? That's\n\nChannel 0: That's it.\n\nChannel 1: how are\n\nChannel 0: No.\n\nChannel 1: you?\n\nChannel 0: All I'm very well. Thank you. I had you booked in to go through you and your review today.\n\nChannel 1: Yeah.\n\nChannel 0: Is\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: now\n\nChannel 1: Let's let's\n\nChannel 0: still\n\nChannel 1: knock it\n\nChannel 0: a\n\nChannel 1: off. Yeah.\n\nChannel 0: good time there for you? Yep. Fantastic. How's\n\nChannel 1: Not\n\nChannel 0: your\n\nChannel 1: too bad.\n\nChannel 0: day\n\nChannel 1: It's a bit\n\nChannel 0: been\n\nChannel 1: cool down here\n\nChannel 0: so\n\nChannel 1: at the moment,\n\nChannel 0: far?\n\nChannel 1: though.\n\nChannel 0: Yep.\n\nChannel 1: Yeah.\n\nChannel 0: Yep.\n\nChannel 1: Yeah. I I I love where we lived here in Kayano on on the South Coast Of New South Wales, but it's\n\nChannel 0: Yeah.\n\nChannel 1: very picturesque, but I hate winter because it's too far south and it gets too cold. It's like,\n\nChannel 0: Yeah.\n\nChannel 1: at the moment, it's the wind's blowing off the snow a bit further down the coast, so it's like seven degree chill factor or something. So\n\nChannel 0: Yeah.\n\nChannel 1: yeah.\n\nChannel 0: No.\n\nChannel 1: I'm\n\nChannel 0: I couldn't do that cold.\n\nChannel 1: no. No. I wanna move closer up your way for sure.\n\nChannel 0: Yeah. Absolutely. And, look, I understand the cold down there because my husband's family are from Yonge,\n\nChannel 1: Oh,\n\nChannel 0: so Inland, New South Wales.\n\nChannel 1: yeah.\n\nChannel 0: And,\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: yeah,\n\nChannel 1: Yeah.\n\nChannel 0: they\n\nChannel 1: It\n\nChannel 0: are\n\nChannel 1: gets\n\nChannel 0: quite\n\nChannel 1: cold\n\nChannel 0: okay with\n\nChannel 1: in\n\nChannel 0: the cold.\n\nChannel 1: winter.\n\nChannel 0: Yeah.\n\nChannel 1: No.\n\nChannel 0: Not\n\nChannel 1: No.\n\nChannel 0: my sort of\n\nChannel 1: No. No. If this place wasn't so pretty, I would have left years ago.\n\nChannel 0: code.\n\nChannel 1: But\n\nChannel 0: Understandable. I'm sending through a copy of some annual review documents to kinda run through and give you an update on how things are going. Are you able to access your emails at the moment?\n\nChannel 1: Not\n\nChannel 0: If not, that's okay.\n\nChannel 1: conveniently. Like, it's just on\n\nChannel 0: No.\n\nChannel 1: my phone. I don't have my laptop in front of me, unfortunately.\n\nChannel 0: No. That's okay.\n\nChannel 1: I did look at the hub\n\nChannel 0: Okay.\n\nChannel 1: site and sort of printed\n\nChannel 0: Yeah.\n\nChannel 1: off the last financial year\n\nChannel 0: Yep.\n\nChannel 1: kind of stats and had a quick\n\nChannel 0: Yep.\n\nChannel 1: look. But that's, yeah, nothing too too advanced there.\n\nChannel 0: That's okay. Honestly, it's not a problem. I've sent the documents through to you, so they will be in your emails when you get a second\n\nChannel 1: Yep.\n\nChannel 0: to have a bit of a look at them there. But\n\nChannel 1: Mhmm.\n\nChannel 0: just to give you a bit of an update, so as of your last annual review last year, your balance then was 397,562. As of yesterday's date sorry. The twenty seventh. So Monday's date when these documents were prepared, your balance is now 419,817 and 22¢. So we have had a good increase in the last year on your balance, which is good.\n\nWhen I look at the overall performance over the last one year sorry. I'm seeing the right report in front of me. Over the last twelve months, the net return for after fees, you're up by 8.23%, which is fantastic. As a dollar figure, it shows your earnings, your growth plus your income within the fund is over $39,644. So you've had a really good year in the portfolio there.\n\nChannel 1: Yes.\n\nChannel 0: And since we made those changes with everything we did in the last few months with the advice documents, in the last three months, you're up by about 1.39%, which is earnings of over $7,800 in the last three months there as well. So everything is tracking along and ticking really, really nicely, and that's definitely what we'd sort of hope and expect from the portfolio thus far. Yeah.\n\nChannel 1: Yeah. I don't know whether I'm looking at exactly the same graph or whatever as you. I'll\n\nChannel 0: That's okay.\n\nChannel 1: refer to your email when when and grasp when I can, and now I'll realize\n\nChannel 0: Yeah.\n\nChannel 1: what I'm actually clicking on may be the wrong one.\n\nChannel 0: That's okay.\n\nChannel 1: Yeah. Like, it did appear, and I know that we've had some, know, world issues that sort of made a bit of a a decline there\n\nChannel 0: Yep.\n\nChannel 1: late last year\n\nChannel 0: Mhmm.\n\nChannel 1: or early this financial year.\n\nChannel 0: Yeah.\n\nChannel 1: Early this year, whatever it happened\n\nChannel 0: Yep.\n\nChannel 1: to be.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. So I think, yeah, the results could have been better, but that's no fault of anyone's except just just the status quo of the the world\n\nChannel 0: Part of\n\nChannel 1: finances.\n\nChannel 0: where we are.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Yeah. Yeah. Absolutely.\n\nChannel 1: I guess part of the plan going forward was to up my contributions considerably.\n\nChannel 0: Yes. Yes.\n\nChannel 1: I haven't done that as yet\n\nChannel 0: Yep. Yep.\n\nChannel 1: purely because when I sort of look at it, like, it just seems to be flatlining at the moment. Like, the investment\n\nChannel 0: Mhmm.\n\nChannel 1: strategy is\n\nChannel 0: Yep.\n\nChannel 1: pretty, pretty flat. I mean, I think, you know, if we look at from January to now, you know, my contributions have been about $7 or whatever, but it's it's it's that hasn't really increased. The investments haven't really worked. I mean, maybe the last three months have improved a little bit. But\n\nChannel 0: Yeah.\n\nChannel 1: so I've been hesitant to put, you know, my hard earned cash into it to bolster it up a little bit until I see it sort of performing a bit\n\nChannel 0: Mhmm.\n\nChannel 1: better.\n\nChannel 0: Yep.\n\nChannel 1: Because I met, you know, currently, I'm earning better interest in the bank. So\n\nChannel 0: Yep. Yeah. No. That's that's completely understandable. On the other side of that, because the markets have been very up and down, it is also a good time to start contributing more.\n\nThat way, when the markets are down, you do take more of an advantage of that.\n\nChannel 1: Yeah.\n\nChannel 0: Essentially,\n\nChannel 1: Yeah. Yeah. True.\n\nChannel 0: if we\n\nChannel 1: Yeah.\n\nChannel 0: by sort of waiting and holding on until the markets are not doing a lot better, you're essentially buying into an already increased market or an an upmarket. Whereas, realistically, with contributions, we wanna see them going in on a regular basis so that we're dollar cost averaging in over time. We're taking advantage of the markets when they are in a downtime, and then also continuing through the uptimes as well. The idea is that when you sort of stay hold, like, an investment state, I'm speaking with the, you know, the AAA cash or even just gold, if that was, you know, $50 per share one day and you put a $100 in, you buy two units of that share. If the next day has gone down, you still put a $100 in, say it's $50.20 dollars, it does mean that the overall balance has decreased slightly.\n\nBut when you put that $100 in, you buy five of\n\nChannel 1: Oh,\n\nChannel 0: those shares rather than two. And then the\n\nChannel 1: yeah.\n\nChannel 0: market\n\nChannel 1: Yeah.\n\nChannel 0: comes back, and you end up buying a few less. So you\n\nChannel 1: Yeah.\n\nChannel 0: do end up buying more units overall, but I do understand where you're at. And that's absolutely fine. If you wanna hold off, you honestly can. But, yeah, I just\n\nChannel 1: Yeah.\n\nChannel 0: wanted\n\nChannel 1: It was\n\nChannel 0: to\n\nChannel 1: more\n\nChannel 0: give you\n\nChannel 1: about\n\nChannel 0: the other\n\nChannel 1: and\n\nChannel 0: side.\n\nChannel 1: I totally yeah. I totally\n\nChannel 0: Yeah.\n\nChannel 1: get what you were just saying. It's I guess that's it just might my initial hesitation and I thought, oh, look, I'll just sit and monitor it and see how it sort of performs. So I thought,\n\nChannel 0: Yeah.\n\nChannel 1: you know, it it well, and as we can see that it has picked up the last three months a little bit.\n\nChannel 0: Yeah.\n\nChannel 1: But, yeah, just that that whole non movement thing just made me balk it, you know, putting my money in there. Plus, we've had a few things going on here as well\n\nChannel 0: Yeah.\n\nChannel 1: where we were we were actually trying to purchase another property.\n\nChannel 0: Yep.\n\nChannel 1: It sort of came left a field. I think I might have mentioned to you that,\n\nChannel 0: Yeah.\n\nChannel 1: you know, we would we you know, we're gonna come into a an inheritance soon once we sold the father in law's house.\n\nChannel 0: Yeah.\n\nChannel 1: And what were we gonna do with those funds? You know, we were gonna look at investment property and all the rest of it. Well, the investment side of things is not so encouraging with the property market. You know, capital\n\nChannel 0: Yep.\n\nChannel 1: gains tax sort of being eliminated at well-being enforced\n\nChannel 0: Changed.\n\nChannel 1: and and capital gain\n\nChannel 0: Yeah.\n\nChannel 1: gosh. Negative gearing being sort of\n\nChannel 0: Yep.\n\nChannel 1: eliminated as an incentive to buy an investment property. However, just to mix things up a little bit, we just went on a weekend away close by to Kiama, actually, but a valley, inland\n\nChannel 0: Yes.\n\nChannel 1: valley, and fell in love with a particular property, which we visited and tried our utmost to actually try and get financed to to buy. So that was\n\nChannel 0: Yes.\n\nChannel 1: another reason why I just held on to my cash\n\nChannel 0: Somebody?\n\nChannel 1: and didn't start throwing\n\nChannel 0: Yes.\n\nChannel 1: it into the\n\nChannel 0: That's\n\nChannel 1: the the\n\nChannel 0: absolutely\n\nChannel 1: super. That's\n\nChannel 0: fine.\n\nChannel 1: that was just\n\nChannel 0: Yeah.\n\nChannel 1: the other little side\n\nChannel 0: Yeah.\n\nChannel 1: diversion really because\n\nChannel 0: Yeah.\n\nChannel 1: we couldn't secure the finance\n\nChannel 0: Yep.\n\nChannel 1: and and that property has since sold. So we are still on the market. We're still\n\nChannel 0: Yep.\n\nChannel 1: looking,\n\nChannel 0: Yeah.\n\nChannel 1: but that that particular thing sort of prompted us to get into a better position and think about being ready for the next one because we sort of, so I didn't think my wife was really inclined. I've always wanted a a bit of a rural property, but she hasn't.\n\nChannel 0: Yeah. Yeah. Yeah.\n\nChannel 1: But then when we did a bit of a a weekend stay in that area, it really resonated with her and, yeah, we just happened to find a a a beautiful property. So, anyway, that's a little bit of a side note, but\n\nChannel 0: Yeah.\n\nChannel 1: just just\n\nChannel 0: That's\n\nChannel 1: sort of set you\n\nChannel 0: fantastic.\n\nChannel 1: up about where our interests are at the moment.\n\nChannel 0: Yes. Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: No. That's absolutely fine. And while you've been sort of going through that, I've just pulled up a report to have a look at, obviously, from January until now. And, yeah, look. It does show that the return is a positive of 1.75%.\n\nSo, realistically, when you look at January to now, it's not as good when you don't sort of factor in the last few the few months prior to that, and that is because of, obviously, the world generally.\n\nChannel 1: Yes.\n\nChannel 0: It does show the earnings of the dollar figures over 11,997. So with the ups and downs that we have definitely seen this year in the market and the uncertainty, a lot of it was, you know, with what was happening between Iran and America early on. March and April was really the biggest point where we had those ups and downs where that was mostly\n\nChannel 1: Yeah.\n\nChannel 0: in the news, and investors are really concerned about that. The other kind of side I'm not sure if I've pointed out last time as well, but the other sort of side that has sort of affected us here in Australia as well is the high inflationary rate. Because high inflation means that we're looking at higher interest rates, which means that people are less likely to borrow. It does have an effect on bond rates as well. So that has sort of affected the super on the downside a little bit more.\n\nSo I completely understand where you're going with that. And at the same time, I just provide the advice. It's up to you to be comfortable with taking it on. If not, we'll just keep reviewing it. When if you are comfortable, let me know.\n\nWe can always start it again. We can always review it as well. I just want you to end up with the best retirement possible.\n\nChannel 1: Yeah. Look,\n\nChannel 0: And the\n\nChannel 1: I know\n\nChannel 0: I\n\nChannel 1: your\n\nChannel 0: the\n\nChannel 1: review\n\nChannel 0: property\n\nChannel 1: was\n\nChannel 0: side\n\nChannel 1: relatively\n\nChannel 0: is good. Sorry.\n\nChannel 1: yeah.\n\nChannel 0: You're alright.\n\nChannel 1: I know your review\n\nChannel 0: Yeah.\n\nChannel 1: was\n\nChannel 0: Yeah.\n\nChannel 1: reasonably recent, but just based on what you had said and and and, yeah, again, that\n\nChannel 0: Yeah.\n\nChannel 1: that whole uncertainty\n\nChannel 0: Yeah.\n\nChannel 1: with, you know, the Iran Iraq Trump thing, That the the plan forward, as as\n\nChannel 0: Yeah. Yep.\n\nChannel 1: you documented, it all sounded pretty good. That that really hasn't changed at all, though, has it?\n\nChannel 0: No.\n\nChannel 1: No.\n\nChannel 0: Definitely not. It's\n\nChannel 1: No.\n\nChannel 0: still\n\nChannel 1: That's\n\nChannel 0: very\n\nChannel 1: still\n\nChannel 0: much\n\nChannel 1: on.\n\nChannel 0: appropriate.\n\nChannel 1: Yep.\n\nChannel 0: Yeah.\n\nChannel 1: Okay.\n\nChannel 0: Just because\n\nChannel 1: Cool.\n\nChannel 0: when we sort of did the the advice, it was also appropriate for what was happening in the market\n\nChannel 1: Yep.\n\nChannel 0: at that time,\n\nChannel 1: Yep.\n\nChannel 0: and that definitely hasn't changed as of yet. I do\n\nChannel 1: Yep.\n\nChannel 0: wanna make sure that we do keep reviewing everything with you and kind of make sure we update things as need be. We've\n\nChannel 1: Yeah.\n\nChannel 0: also done that investment switch now as well, so it'll be important to keep reviewing that and seeing a lot of that. When you sort of look at the return of the 1% there as well from January, it's also factoring in that advice that we recently did, which did have some investment changes in it. So\n\nChannel 1: Yeah. Yep.\n\nChannel 0: it it's also factored in the changes in the investment. So I'd like to sort of watch it over the next, you know, three to six months and see where things are tracking. If\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: we don't see any changes in the market conditions or if your performance isn't doing like what we would like to see, then we can go back to the drawing board. I'll definitely update the advice, reflect on the investments that are in there, and keep sort of working forward to that. Absolutely.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. Yeah. Cool.\n\nChannel 0: Yep.\n\nChannel 1: Yeah. I totally\n\nChannel 0: Yeah.\n\nChannel 1: understand. Yeah. It's a very\n\nChannel 0: Yeah.\n\nChannel 1: difficult market to be, you know, investing in. You know, Trump seems to have everyone as as, you know, sort of puppets at the moment.\n\nChannel 0: Yeah.\n\nChannel 1: You don't know what he's gonna do one day to the next. So\n\nChannel 0: Oh,\n\nChannel 1: it\n\nChannel 0: it's\n\nChannel 1: can have\n\nChannel 0: insane,\n\nChannel 1: a huge\n\nChannel 0: isn't\n\nChannel 1: impact,\n\nChannel 0: it?\n\nChannel 1: obviously. And\n\nChannel 0: Yeah.\n\nChannel 1: even our own current\n\nChannel 0: Yeah.\n\nChannel 1: government are behaving\n\nChannel 0: Yeah.\n\nChannel 1: cruelly at the moment. So yeah.\n\nChannel 0: Yeah. Those changes that this came through are quite interesting. I I had to spend the last couple of weeks going through and pulling the legislation apart and really understanding it because you got you just so sorry. You said you wanted to look at investing in a property as well. You\n\nChannel 1: Yeah.\n\nChannel 0: still do you still wanna do that moving forward? Is that still kind of what you're still looking at doing?\n\nChannel 1: Yeah. Well, as we speak, we're sort of waiting to hear back from the real estate agent that's taking care of a father in law's property because\n\nChannel 0: Yep.\n\nChannel 1: we have had well, one particular interest, and he's made three subsequent offers. So we're hoping that\n\nChannel 0: Yes.\n\nChannel 1: he's actually accepted today or or tomorrow or whatever. So we're hoping that that sale will be completed, you\n\nChannel 0: Okay.\n\nChannel 1: know, in in the next week or so.\n\nChannel 0: Yeah.\n\nChannel 1: So in saying that, I just wanted to while we don't drift away or I don't drift away from remembering, I'll probably\n\nChannel 0: Yeah.\n\nChannel 1: start with the increases on those additional contributions, I'll I'll organize that at my end probably this week. So\n\nChannel 0: Yep. Yeah. That's fine.\n\nChannel 1: now that we've got some\n\nChannel 0: Let\n\nChannel 1: certainty\n\nChannel 0: me\n\nChannel 1: well, it appears as the house might be sold, so\n\nChannel 0: Yep.\n\nChannel 1: we will have that money coming in. So I feel a little bit better about, you know, committing\n\nChannel 0: Yeah.\n\nChannel 1: my weekly bit of my\n\nChannel 0: Yeah.\n\nChannel 1: weekly wage to those additional payments. So\n\nChannel 0: Yep.\n\nChannel 1: we'll I'll get that aspect of of this investment strategy in action, finally.\n\nChannel 0: Yes.\n\nChannel 1: And then, yeah, I guess the second part is, yeah, we will be having some cash income come in. And, yeah, I think we're still gonna be looking avidly for a for a property\n\nChannel 0: Yes.\n\nChannel 1: to\n\nChannel 0: Yes.\n\nChannel 1: to buy. What we would be looking at is actually to go and live in that property and then rent\n\nChannel 0: Okay.\n\nChannel 1: this one out. So\n\nChannel 0: Yes. Perfect.\n\nChannel 1: ideally.\n\nChannel 0: Yep. Perfect.\n\nChannel 1: We'll see if it's possible. Everything's so bloody expensive, so I don't know.\n\nChannel 0: It is. It is. Have you guys talked about what the goal is with the property moving forward? So if you're going to live in the new property and rent the one your current home out,\n\nChannel 1: Yep.\n\nChannel 0: are you sort of looking to just hold on to that into retire and continue to pay it down and then draw income from that? Or\n\nChannel 1: Yeah. Well, look, as it is,\n\nChannel 0: mhmm.\n\nChannel 1: I've we've got, say, about a 150,000 left on the loan here,\n\nChannel 0: Yep.\n\nChannel 1: but I've we've actually got a 150,000 in the offset account against it. So we can that cancels that out completely. So and\n\nChannel 0: Yep.\n\nChannel 1: then we've got a 150,000 cash savings, and we're expecting about 350,000 as our share of the inheritance of this house sale. So that'll give us $500,000 cash and\n\nChannel 0: Yeah.\n\nChannel 1: effectively no loan. Not not will be debt debt free and have\n\nChannel 0: Yes.\n\nChannel 1: $500,000 cash. So,\n\nChannel 0: Yep.\n\nChannel 1: yeah, that's that's what we've we've got moving forward to to secure a small rural acreage.\n\nChannel 0: Fantastic.\n\nChannel 1: And the house that we live in here is sort of our forever home.\n\nChannel 0: Mhmm. Yep.\n\nChannel 1: It would actually bring probably around well, the real estate agent just said, you know, up to possibly $1,300 a week because it's\n\nChannel 0: Wow.\n\nChannel 1: quite a nice house. Yeah. Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Well, it's about a $2,000,000 home, 2,200,000 that we've we've we've got here. So we've got good borrowing capacity. It was really\n\nChannel 0: Yep.\n\nChannel 1: just about servicing the sort of that's why the banks wouldn't really give us the money because we're at the very threshold of and I'm sort of thankful now that, you know, it looks like interest rates are gonna go up another quarter next week or something. But anyway,\n\nChannel 0: Yeah.\n\nChannel 1: the banks would lend us the money. It was just the servicing that was gonna be hard because the properties that we're looking at are $2,000,000.\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: And we hadn't and we didn't have the $500,000 cash on us\n\nChannel 0: Yep.\n\nChannel 1: because we you know, Terry's father's house hadn't sold. So\n\nChannel 0: Yep.\n\nChannel 1: all a little bit premature, unfortunately, for the ideal property to to come up and present itself, but it got us thinking about what we really want. So,\n\nChannel 0: Yep. Absolutely.\n\nChannel 1: yeah, we still wanna pursue with that with that plan, that that goal.\n\nChannel 0: Yep. Yep.\n\nChannel 1: And as I said, it's it's sort of becoming a reality reality now that it looks like the house is sold and we'll actually have some cash. And\n\nChannel 0: Yep.\n\nChannel 1: I was thinking I'd probably I mean, I might be jumping ahead because I was gonna talk to you about this as after it\n\nChannel 0: Yeah.\n\nChannel 1: happened. But\n\nChannel 0: That's\n\nChannel 1: the the cash is coming in and so we'll have that $500,000 cash. I was just thinking of putting in a return deposit because you can get, like, about five and a half percent.\n\nChannel 0: right. Absolutely.\n\nChannel 1: That's a sick just a six\n\nChannel 0: Yeah.\n\nChannel 1: month one,\n\nChannel 0: Yep.\n\nChannel 1: and you can access it if you want to anyway, really.\n\nChannel 0: Yep. Yep.\n\nChannel 1: So I was\n\nChannel 0: Yeah.\n\nChannel 1: thinking just because we're in this period of of keen on buying a rural property because it is\n\nChannel 0: Yeah.\n\nChannel 1: a bit of a buyer's market at the moment.\n\nChannel 0: Yep.\n\nChannel 1: So,\n\nChannel 0: Yep.\n\nChannel 1: you know, I'm sort of hoping that something presents itself in the next six months. So\n\nChannel 0: Yes.\n\nChannel 1: I thought for the interim rather than thinking long term, you know, do I put more into super as lump sums and things like\n\nChannel 0: Yep.\n\nChannel 1: that? And that just a peace of mind, security, and getting some form of return\n\nChannel 0: Mhmm.\n\nChannel 1: that you can\n\nChannel 0: Yep.\n\nChannel 1: get five and a half percent in a term deposit,\n\nChannel 0: Yeah.\n\nChannel 1: just maybe do that. On\n\nChannel 0: Absolutely.\n\nChannel 1: face value, do you think that sounds okay?\n\nChannel 0: It absolutely does. It's kind of what I would sort of say in the shorter term because I would never wanna invest money in, say, the share market that you're wanting to use generally in the next three years.\n\nChannel 1: Uh-huh.\n\nChannel 0: If you we generally don't like to invest money in the shorter term because the\n\nChannel 1: Yep.\n\nChannel 0: markets are so up and down, so volatile that you do risk wanting to access that money in the short term at a down point, and this\n\nChannel 1: Yeah.\n\nChannel 0: year's kinda showing us that. So\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: I would never invest money that you're planning to access in the next three years. I would\n\nChannel 1: Cool.\n\nChannel 0: try to hold that off. A term deposit sounds great or even a high interest savings account.\n\nChannel 1: Mhmm.\n\nChannel 0: Just sort of have a look around at some of the\n\nChannel 1: Yeah.\n\nChannel 0: the\n\nChannel 1: Yeah.\n\nChannel 0: best\n\nChannel 1: Yeah. I\n\nChannel 0: ones\n\nChannel 1: definitely\n\nChannel 0: out\n\nChannel 1: will.\n\nChannel 0: there.\n\nChannel 1: Yep.\n\nChannel 0: Generally speaking, if there is a lot of lending going on as well, your bank might be more willing to come to the party. So shop around for term deposit\n\nChannel 1: Yeah.\n\nChannel 0: rates,\n\nChannel 1: That's right.\n\nChannel 0: and then\n\nChannel 1: Yeah.\n\nChannel 0: let your bank know that you've got this. These are some of the rates on offer for the amount of money that you've got. Are they willing to come to the party? And\n\nChannel 1: Yep.\n\nChannel 0: they can, you know, try to get exemptions and try to get, you know, better rates for you as well to try and get the best\n\nChannel 1: Yeah.\n\nChannel 0: rate possible. So\n\nChannel 1: Yeah.\n\nChannel 0: definitely\n\nChannel 1: Good\n\nChannel 0: shop\n\nChannel 1: advice.\n\nChannel 0: around. Yeah. It's something I used to be a banker, so I do remember doing that quite a lot. And\n\nChannel 1: Yeah.\n\nChannel 0: when\n\nChannel 1: Right.\n\nChannel 0: there is a bit of lending going on, so because we are sort of coming into a bit of a buyer's market with as much as interest rates are still quite high, there is still a lot of buying going on. The real estate agents I've been talking to haven't slowed down in any way, shape, or form. And I actually was talking to one recently, you know, asking about with the new changes to negative gearing and CGT, are they finding that investors are backing off? And they said no because investors\n\nChannel 1: Wow.\n\nChannel 0: still want growth. And investors are likely to hold on to a property in the short term anywhere, you know, between five to ten years to get the growth that they're after and then flip it, sell it off again. And with the way the new laws work, I had a look, and I didn't like it to begin with. But then after kind of pulling it apart, I can see some advantages to it\n\nChannel 1: You're right.\n\nChannel 0: where like, if the property is negatively good, as an example, you know, you've got income coming in off the property of $20,000 for the year, but your expenses are $40,000 for the year. Say you hold on to that property for ten years. Essentially, each tax time, they'll let you utilize out of the expenditure. They'll they'll mutually get a property. So they'll let you account for $20,000 of the expenses.\n\nThat extra $20,000 of expenditure, which would normally offset your income, then sits as a future loss, and it's carried forward indefinitely. So then if you hold that property for, say, ten years and you then sell it off and have, you know, a $500,000 CGT, they let you then carry those losses forward indefinitely and build them up to offset the capital gain at the very end. So down the track, it could have a much greater benefit rather than offsetting it on a yearly\n\nChannel 1: Yeah. Right. Okay.\n\nChannel 0: basis. Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. They certainly don't you know, or haven't explained that publicly, you know, that\n\nChannel 0: Yeah.\n\nChannel 1: aspect of it. You know, you really need a professional like yourself to\n\nChannel 0: Yeah.\n\nChannel 1: to unravel that and and say,\n\nChannel 0: Yeah.\n\nChannel 1: well, that is a benefit. You know? Yeah.\n\nChannel 0: Yeah. Yeah. Not\n\nChannel 1: Okay.\n\nChannel 0: technically not not the best benefit out there because sometimes you sort of when we are higher income earners now, we kind of wanna try to offset as much of that income as possible. But I can sort of also see, you know, the reasoning behind doing it. So one of the other aspects is a lot of people buy property solely to negative gear the property. And one of the biggest things that a lot of people don't realize or don't take into account is that you actually can't enter a scheme. Under the tax act, you can't just enter a scheme for the sole purpose of reducing tax.\n\nIt's section four a of the income tax assessment act 1936 and 1997. And it basically states exactly that. And if the say the ATO was to provide an audit and go back over tax returns and look at what was actually being, you know, declared, if they, for any reason, found that you had bought that property solely to negative gear, solely to enter a scheme for the purpose of reducing tax, It's seen as a tax avoidance, and they can\n\nChannel 1: Yeah.\n\nChannel 0: actually\n\nChannel 1: Yeah.\n\nChannel 0: go back.\n\nChannel 1: Yeah. Right.\n\nChannel 0: And then all the benefits you've gotten, remove them and make you pay back that tax. So it is\n\nChannel 1: Yeah.\n\nChannel 0: I can see why they've done it. I don't always like it because I'm an investor. I have a property that I negatively\n\nChannel 1: Yeah.\n\nChannel 0: gear, and I have done for three years now. But\n\nChannel 1: No. That's\n\nChannel 0: I didn't\n\nChannel 1: fine.\n\nChannel 0: buy that property too negatively gear. I bought that for my kids to live in. I just made it cheap\n\nChannel 1: Yep.\n\nChannel 0: enough for them to live in so that it was negatively geared.\n\nChannel 1: Yeah. Yeah. Yeah. Perfect. Yeah.\n\nChannel 0: But I can I can see both sides of the aspect, and I can see where it's a benefit, but also a downside and a negative there?\n\nChannel 1: Well,\n\nChannel 0: So\n\nChannel 1: I mean,\n\nChannel 0: yeah.\n\nChannel 1: me too. And I can sort of agree with\n\nChannel 0: Yeah.\n\nChannel 1: that that, you know, like, for those high income earners that avoid\n\nChannel 0: Yeah.\n\nChannel 1: tax and know all the loopholes to to achieve that. You know, my wife and I,\n\nChannel 0: Yeah.\n\nChannel 1: we are. We're we're not high income earners at all. And like you, all we wanted was investment property to, you know, self fund our retirement rather than, you\n\nChannel 0: Absolutely.\n\nChannel 1: know, be it be it be a burden on the on the government's, you know,\n\nChannel 0: Yes.\n\nChannel 1: so called pension system if it still exists\n\nChannel 0: Yeah.\n\nChannel 1: in a couple of years' time. So\n\nChannel 0: Yeah.\n\nChannel 1: all that's all we were looking\n\nChannel 0: That's\n\nChannel 1: for.\n\nChannel 0: it.\n\nChannel 1: It wasn't really any tax\n\nChannel 0: No.\n\nChannel 1: evasion or or\n\nChannel 0: Yeah.\n\nChannel 1: certainly we wanted any benefits that we could get from it, but, like, it wasn't.\n\nChannel 0: Yeah.\n\nChannel 1: That's certainly not the purpose. But anyway yeah.\n\nChannel 0: No.\n\nChannel 1: Okay. So\n\nChannel 0: No.\n\nChannel 1: it's a difficult one to enforce sort of\n\nChannel 0: It is.\n\nChannel 1: generically. So yeah.\n\nChannel 0: It is.\n\nChannel 1: Not that I wanna\n\nChannel 0: And\n\nChannel 1: give\n\nChannel 0: I\n\nChannel 1: the\n\nChannel 0: may\n\nChannel 1: government any credit, but\n\nChannel 0: no. No. Look. I'm with you there. I was staunch against this, and then I pulled the legislation apart.\n\nI was like, look. I can see the benefits. I don't fully hate this system, but I don't necessarily like it. And I can see where it is an advantage and a disadvantage. And I do I do think it would it is going to provide a disadvantage to mom and dad investors who are just trying to buy a property to, you know, help build on to help with the super or to, you know, utilize or to build wealth for their kids and things like that,\n\nChannel 1: Yeah. That's right.\n\nChannel 0: there are definitely going to be disadvantages to the system, but it also could change. We you know, it passed, because the grains backed it.\n\nChannel 1: Yeah.\n\nChannel 0: And\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: in\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: order for it to back, they also had changes to self made super funds and lending within that aspect as well. So there was a lot of willing and dealing to get that through parliament. I know when it first was put in the budget on the May 12, we all came in the next day and sat there and went, well, what what is going on? Where is this coming from, and what is going to happen? And even the accounts I was talking to was shocked.\n\nThey were like, this is going to make life very, very difficult,\n\nChannel 1: Yeah.\n\nChannel 0: but\n\nChannel 1: You guys have\n\nChannel 0: I\n\nChannel 1: really\n\nChannel 0: think\n\nChannel 1: had your work cut out for you, like, you\n\nChannel 0: it's\n\nChannel 1: know,\n\nChannel 0: been fun.\n\nChannel 1: adapting and understanding all these massive changes. Yeah.\n\nChannel 0: It's been a lot of fun. It's a good thing I enjoy reading.\n\nChannel 1: Well, you can have it. You know,\n\nChannel 0: Thank\n\nChannel 1: as I\n\nChannel 0: you.\n\nChannel 1: say, like, I've always valued talking to you because it's just way beyond me. I just, yeah,\n\nChannel 0: Thanks.\n\nChannel 1: I just get\n\nChannel 0: Yeah.\n\nChannel 1: flustered and overwhelmed and then cranky, and I\n\nChannel 0: Yeah.\n\nChannel 1: don't even understand the complexities\n\nChannel 0: Yeah.\n\nChannel 1: of it by by\n\nChannel 0: Yeah.\n\nChannel 1: any means. So it's a credit\n\nChannel 0: Thank you. Well, I'm always here if you ever need anything or have any questions\n\nChannel 1: to\n\nChannel 0: or you hear something that's just concerning, you can shoot me an email, give me a call. I do take a lot of calls off the cuff as well, so I don't book up my day crazy.\n\nChannel 1: you.\n\nChannel 0: I generally have about five to six calls a day. And then in between that, if someone calls and then needs me, I will always take the call, or I'll if I'm on the phone, I'll call back straight away. So, you know, if you need anything, have any questions, you hear something that's concerning, or you're just not sure, or you want me to read something and pull it apart for you, just let me know. I'm here to help you,\n\nChannel 1: Awesome.\n\nChannel 0: and I'll definitely\n\nChannel 1: No.\n\nChannel 0: do\n\nChannel 1: Thanks,\n\nChannel 0: that for\n\nChannel 1: Dana.\n\nChannel 0: you. Not an\n\nChannel 1: Yeah.\n\nChannel 0: issue. Yeah.\n\nChannel 1: That's\n\nChannel 0: All good.\n\nChannel 1: cool.\n\nChannel 0: Yeah.\n\nChannel 1: Well, for now,\n\nChannel 0: All\n\nChannel 1: I think\n\nChannel 0: good.\n\nChannel 1: it's good. I'll as I said, I'll just I'll up my contributions, like, what like\n\nChannel 0: Yep.\n\nChannel 1: what was in the the forward plan.\n\nChannel 0: Yep.\n\nChannel 1: And hopefully, we'll sell the father in law's house, and\n\nChannel 0: Yep.\n\nChannel 1: we might\n\nChannel 0: Yep.\n\nChannel 1: get some cash. I might definitely take you up on that and just confirm things before I go ahead and, you know, I might take five seconds of your time just to\n\nChannel 0: Yes.\n\nChannel 1: reassure\n\nChannel 0: Absolutely.\n\nChannel 1: me that I'm doing the right thing for now. But, yeah,\n\nChannel 0: Yeah. Absolutely.\n\nChannel 1: definitely, if we broach the the or find a property to invest in, I'll I'll definitely be having some more meaningful\n\nChannel 0: Yep.\n\nChannel 1: conversations with you just to make sure that we\n\nChannel 0: Absolutely.\n\nChannel 1: structure things\n\nChannel 0: On the\n\nChannel 1: right.\n\nChannel 0: right track.\n\nChannel 1: Yeah.\n\nChannel 0: Correct. Yeah. Yep.\n\nChannel 1: Yeah.\n\nChannel 0: Definitely. And moving forward, you know, once you get the property, we'll look at that as part of your overall retirement aspect as well.\n\nChannel 1: Yeah.\n\nChannel 0: So\n\nChannel 1: Yeah.\n\nChannel 0: if you\n\nChannel 1: Yeah.\n\nChannel 0: are hoping to keep that in retirement and keep the income to supplement super, it does mean you can take less from your super to you know, which means\n\nChannel 1: Yeah.\n\nChannel 0: longevity for super is much greater. It does affect the overall Centrelink aspect, which means you may not be eligible for Centrelink down the track. But there's other things that I can do. We have ways of sheltering money, if we\n\nChannel 1: Yep.\n\nChannel 0: can, and,\n\nChannel 1: Nice.\n\nChannel 0: you know, we can look at what else what else we can do out there. And if, you know, your wife is comfortable, we can look at everything as a whole as a family. So,\n\nChannel 1: Yeah. That'd\n\nChannel 0: it\n\nChannel 1: be\n\nChannel 0: doesn't\n\nChannel 1: really good because,\n\nChannel 0: stop us.\n\nChannel 1: you know, just in some of the conversations, we we went to, like, three different brokers to to to see the feasibility of of getting this property.\n\nChannel 0: Yeah.\n\nChannel 1: And I guess, like, the three of them all bought something a little bit differently. I mean, they were consistently the same sort of\n\nChannel 0: Yep.\n\nChannel 1: method of going out and and acquiring loans through different methods.\n\nChannel 0: Yep.\n\nChannel 1: I guess we didn't really progress much further because, you know, it wasn't well, on face value, I guess it wasn't really plausible or was a bit of an overstretch. So the advice was not to pretty pretty much proceed. So\n\nChannel 0: Yes.\n\nChannel 1: we didn't get into the nitty gritty detail, but, you know, from our conversations, you know, there's different ways of structuring things or\n\nChannel 0: Yeah.\n\nChannel 1: so that's that's the bit I I I feel like, you know, definitely professional input is required, and I would definitely\n\nChannel 0: Yep.\n\nChannel 1: be, like, trying to get a second professional independent opinion, you know, as opposed to whatever the brokers say. I I want that validated\n\nChannel 0: Yeah.\n\nChannel 1: through you. So\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: yeah. Again, just wanna be do things like the the the best way possible for us. So you even just alluded to the fact that that's exactly what you would do. So\n\nChannel 0: Yes. Yep.\n\nChannel 1: yeah.\n\nChannel 0: Yep.\n\nChannel 1: Now I look forward to that conversation because that means things are going well for us.\n\nChannel 0: Yeah. Absolutely. Definitely. No. Perfect.\n\nWell, I definitely wanna make sure. And Samantha's got you in the calendar to make sure that we touch base in three months again to to\n\nChannel 1: Awesome.\n\nChannel 0: catch up and see how things are going, re you know, redouble check\n\nChannel 1: Yeah.\n\nChannel 0: what's happening with super,\n\nChannel 1: Fantastic.\n\nChannel 0: see how things are changing in your life.\n\nChannel 1: Appreciate\n\nChannel 0: And\n\nChannel 1: that.\n\nChannel 0: if anything comes up in the meantime, don't hesitate. You don't have to wait for\n\nChannel 1: I'll\n\nChannel 0: that three\n\nChannel 1: reach\n\nChannel 0: months.\n\nChannel 1: out\n\nChannel 0: If you\n\nChannel 1: there.\n\nChannel 0: in a\n\nChannel 1: Thank\n\nChannel 0: month or\n\nChannel 1: you.\n\nChannel 0: two's time, go, Dana, I need some extra help now, I will always make time so you're not limited.\n\nChannel 1: Awesome. Okay.\n\nChannel 0: In in that path there, we do still have your ongoing service agreement for the next twelve months. If you're happy to stay on board, I'll get you to sign and return that one back. And this\n\nChannel 1: Okay.\n\nChannel 0: is the ongoing service fee of 1.65%, which is deducted year so that's yearly. It's deducted a smaller monthly income instead of your super for my services, looking after everything, and continuously updating the advice there for you. Okay?\n\nChannel 1: Perfect. No worries.\n\nChannel 0: Excellent.\n\nChannel 1: Sounds great.\n\nChannel 0: All good. I just wanted to really quick double check. Income wise, has anything changed? You're still on 90,000. Have you had any increases\n\nChannel 1: Just\n\nChannel 0: there at all?\n\nChannel 1: just we just but both my wife and I, because we both work for the local council,\n\nChannel 0: Yeah.\n\nChannel 1: we we just got a 4% pay rise,\n\nChannel 0: Oh,\n\nChannel 1: which is\n\nChannel 0: fantastic.\n\nChannel 1: through the award. It's not through being great\n\nChannel 0: Yep.\n\nChannel 1: workers. It's just been\n\nChannel 0: Oh,\n\nChannel 1: a state\n\nChannel 0: you\n\nChannel 1: award\n\nChannel 0: deserve\n\nChannel 1: increase.\n\nChannel 0: it anyway.\n\nChannel 1: Well, I think so. But yeah. So I'm not a 100% sure what\n\nChannel 0: That's okay.\n\nChannel 1: the growth annual, but you can work that out. But,\n\nChannel 0: Yep.\n\nChannel 1: yeah, it's only a\n\nChannel 0: Absolutely.\n\nChannel 1: very slight increase. But and we'll place it.\n\nChannel 0: Yeah. Absolutely. All good. We had down here that you were expenditure wise was around about sort of 3 to 4,000 mark on a monthly basis. Has that kind of increased recently,\n\nChannel 1: No. We're\n\nChannel 0: or\n\nChannel 1: pretty\n\nChannel 0: is it still fairly accurate?\n\nChannel 1: we're cost of living. Yeah. Look,\n\nChannel 0: Yeah.\n\nChannel 1: possibly. I've because I pay everything just out of the one credit card, I just look at the bills as as they're sort of paid, and it's\n\nChannel 0: Yep.\n\nChannel 1: consistent. But sometimes they're they're they're more, you know, I might have house and content insurance. So I just received\n\nChannel 0: Yep.\n\nChannel 1: that today. It's like, you know, $3,100 for house insurance. So, you know, the next statement's gonna be obviously a lot more. But\n\nChannel 0: Yeah. Yes.\n\nChannel 1: I generally know that our living general living costs,\n\nChannel 0: Yep.\n\nChannel 1: you know, are probably, you know, probably closer to the four mark, I\n\nChannel 0: Yep.\n\nChannel 1: I would say, on average. But\n\nChannel 0: Yep.\n\nChannel 1: as I said, occasionally, you get one and it's, like, 7. You go, what?\n\nChannel 0: Yeah.\n\nChannel 1: But there might have been oh,\n\nChannel 0: Yeah.\n\nChannel 1: no. I've got three cars, a motorbike, and all you know, lots of toys that are expensive just to to keep. So yeah. But yeah. No.\n\nGenerally, I I feel like if anyone was to audit me, I think the cost of, you know, our general cost\n\nChannel 0: Yep.\n\nChannel 1: would be around about the\n\nChannel 0: Is\n\nChannel 1: four\n\nChannel 0: that\n\nChannel 1: k\n\nChannel 0: the\n\nChannel 1: mark. So\n\nChannel 0: same? Yep. Yeah. Absolutely. Not a\n\nChannel 1: but\n\nChannel 0: problem.\n\nChannel 1: I didn't\n\nChannel 0: Okay.\n\nChannel 1: yeah. I didn't just\n\nChannel 0: Yeah.\n\nChannel 1: wanna briefly mention I meant\n\nChannel 0: Yeah.\n\nChannel 1: to mention earlier, like, when we do look at potentially oh, we'll cross this bridge when it happens, I guess. But it was just that we've got a potentially oh, we'll cross this bridge when it happens,\n\nChannel 0: Yeah.\n\nChannel 1: I guess. But it was just that we've got our our daughter who still lives at home. She's 23. I don't think she's gonna go anywhere probably for the next ten years, but\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: we're happy to have her. She's a joy. She's she's she's a great person. So we don't\n\nChannel 0: Yeah.\n\nChannel 1: want her to go anywhere. But we were thinking if there was any possibility of of getting her in to the market. Like, when we go to purchase, if there's some way of, like, not using her. That does not that doesn't sound very good.\n\nChannel 0: You\n\nChannel 1: But,\n\nChannel 0: mean\n\nChannel 1: like,\n\nChannel 0: incorporating\n\nChannel 1: just,\n\nChannel 0: her into the loan? Or\n\nChannel 1: yeah. Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: That's a\n\nChannel 0: Yeah.\n\nChannel 1: better word.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: So\n\nChannel 0: No. Look. There there honestly is. You can. Just make sure as long as she's got income coming in, she can be added into the serviceability, and that kinda works in your favor as well.\n\nBecause\n\nChannel 1: Yeah.\n\nChannel 0: with her living at home, depending on the lender and the lender's criteria, she may be seen as more of a dependent, which means you may be serviced on her being a dependent, which costs you more money and\n\nChannel 1: Yep.\n\nChannel 0: does actually affect your servicing. If\n\nChannel 1: Yeah.\n\nChannel 0: you were to incorporate her into the loan, she gets a bit of a she gets assessed as part of the loan as a borrower. It means that she's also liable for part of the loan, but it means that she gets a bit of a step into the market. She has borrowing you know, she has part of the the property. She's got some of the assets\n\nChannel 1: Mhmm.\n\nChannel 0: there, and it also means that she's assessed as a a single person. And you're not assessed as yeah. She's not assessed as your dependent, essentially. So it\n\nChannel 1: Yeah.\n\nChannel 0: can\n\nChannel 1: Yeah.\n\nChannel 0: help your\n\nChannel 1: Yeah.\n\nChannel 0: assessment\n\nChannel 1: Right.\n\nChannel 0: to do\n\nChannel 1: Okay.\n\nChannel 0: so. As long as she's earning income and it can be assessed, they will wanna scan her bank statements the same as yours\n\nChannel 1: Yep.\n\nChannel 0: and just sort of making sure that that works in with your goals as well. So just maybe have that chat to her and be like, look. If this happened, this is what we're looking at doing. And then noting that down the track, if she decides to buy a different property, she may wanna buy out may want you to buy her out of that one. She might wanna keep part of that.\n\nIt\n\nChannel 1: Yeah.\n\nChannel 0: could be an estate planning thing where you pass that to her in the will anyway. So just\n\nChannel 1: Yeah.\n\nChannel 0: having that conversation with her, but you absolutely can if she's comfortable\n\nChannel 1: Yeah. Right.\n\nChannel 0: to do\n\nChannel 1: Okay.\n\nChannel 0: so.\n\nChannel 1: Yep.\n\nChannel 0: Yeah. Servicing could definitely it could increase your servicing capacity a little\n\nChannel 1: Yeah.\n\nChannel 0: bit as\n\nChannel 1: Yeah.\n\nChannel 0: well.\n\nChannel 1: Well,\n\nChannel 0: So\n\nChannel 1: I I think\n\nChannel 0: yeah.\n\nChannel 1: one of the brokers may have mentioned it, but I was really\n\nChannel 0: Yeah.\n\nChannel 1: absolutely just said in a sentence over the phone. So I didn't engage in that\n\nChannel 0: Yeah.\n\nChannel 1: aspect of it, but I just realized for a bit hanging on the phone. So\n\nChannel 0: Yeah.\n\nChannel 1: we'll definitely look into that in more detail when the\n\nChannel 0: Beautiful.\n\nChannel 1: time comes, but now that's good\n\nChannel 0: Absolutely.\n\nChannel 1: to know.\n\nChannel 0: It could\n\nChannel 1: Yeah.\n\nChannel 0: definitely give her a leg up too because if she starts with you guys, she's assessed as having part of the loan or part of the ownership at the property. But then later on down the track, if she's then wanting to buy another property, whether it be her main primary residence or an investment property down the track, she's already got one well, part of one property there. So they can assess her part of the the property, you know, to to help her buy more. She's got an asset that can be\n\nChannel 1: Yeah.\n\nChannel 0: part\n\nChannel 1: Yeah.\n\nChannel 0: securitized. But\n\nChannel 1: Yeah.\n\nChannel 0: yeah.\n\nChannel 1: Well, she's got\n\nChannel 0: Yeah.\n\nChannel 1: to do the part time job. She's still sort of finishing a TAFE conservation management diploma.\n\nChannel 0: Yep.\n\nChannel 1: She did start uni, but she's not too sure that that's what she wanted to pursue. So she did a year and a half of uni and then just went, look,\n\nChannel 0: Yeah.\n\nChannel 1: I don't wanna rack up a, you know, $80,000 hex debt. So she\n\nChannel 0: Yeah.\n\nChannel 1: dropped out of that, but took it up and is finishing it at TAFE, which is\n\nChannel 0: Yep.\n\nChannel 1: good. I think that's pretty smart. If she's\n\nChannel 0: That's\n\nChannel 1: not sure what\n\nChannel 0: a little\n\nChannel 1: she wants\n\nChannel 0: bit.\n\nChannel 1: to do, but she's just got a part time job that she's had for the last couple of years at the local general\n\nChannel 0: Yep.\n\nChannel 1: store down the road, but she's an\n\nChannel 0: Yeah.\n\nChannel 1: avid saver. She's she's\n\nChannel 0: Oh,\n\nChannel 1: really good with her money.\n\nChannel 0: love that.\n\nChannel 1: So I\n\nChannel 0: Woman\n\nChannel 1: think\n\nChannel 0: to\n\nChannel 1: the bank\n\nChannel 0: my own\n\nChannel 1: would\n\nChannel 0: heart.\n\nChannel 1: be happy. Yeah. Yeah. It's yeah. I'm pretty proud of her with\n\nChannel 0: Yeah.\n\nChannel 1: her money\n\nChannel 0: Yeah.\n\nChannel 1: sense. She's very good, very frugal without being\n\nChannel 0: Oh, good.\n\nChannel 1: miserable. You know, she's\n\nChannel 0: Yes.\n\nChannel 1: she's, yeah, really wise with her money, which is good.\n\nChannel 0: Yeah. Oh, that's\n\nChannel 1: I\n\nChannel 0: fantastic.\n\nChannel 1: don't know how\n\nChannel 0: Yeah.\n\nChannel 1: a co investing will would affect or whether she'd be still able to claim any first time buyers kind of thing. But again, we can deal with that kind of detail when the\n\nChannel 0: Yeah.\n\nChannel 1: time comes.\n\nChannel 0: Yeah.\n\nChannel 1: I don't wanna bog\n\nChannel 0: The\n\nChannel 1: you\n\nChannel 0: mortgage\n\nChannel 1: down with any\n\nChannel 0: brokers\n\nChannel 1: of that now.\n\nChannel 0: would be that's okay. The mortgage brokers would be the best ones to sort of look at doing that.\n\nChannel 1: Okay.\n\nChannel 0: I believe don't quote me on it because it can change depending on the lender and the rules, but I\n\nChannel 1: Mhmm.\n\nChannel 0: believe she can access\n\nChannel 1: Mhmm.\n\nChannel 0: that. I think, though, if I'm thinking, though, if, let me double check it because she can as a first home buyer, but I'm not sure if it then goes on if she goes into, like, a co loan with you guys or not. I can have a look for you.\n\nChannel 1: That's good. I appreciate it. As I said, it was just\n\nChannel 0: That's\n\nChannel 1: while\n\nChannel 0: okay.\n\nChannel 1: I I was sort of thinking out loud, I didn't mean to, like, sidetrack the conversation or anything like that.\n\nChannel 0: No. You're\n\nChannel 1: When\n\nChannel 0: absolutely\n\nChannel 1: you bought the house\n\nChannel 0: fine.\n\nChannel 1: for your kids, did you in involve or is it just a purely an in in your name?\n\nChannel 0: Yeah. It it is just purely in my name or mine\n\nChannel 1: Okay.\n\nChannel 0: and my husband's\n\nChannel 1: Yeah.\n\nChannel 0: name for us\n\nChannel 1: Sure.\n\nChannel 0: just because as much as our daughters are 19 and 20 now, it was more just to help them. So one of my daughter's boyfriends moved over from WA, and my house is too small to have everyone in it. So\n\nChannel 1: Yeah.\n\nChannel 0: we sort of went, well, we'll buy this. It's our kind of retirement plan as well, but\n\nChannel 1: Yeah.\n\nChannel 0: we'll let\n\nChannel 1: No.\n\nChannel 0: you\n\nChannel 1: It's\n\nChannel 0: guys\n\nChannel 1: fine.\n\nChannel 0: pay a little bit of rent to give you a little\n\nChannel 1: Yep.\n\nChannel 0: bit of growth outside of the home,\n\nChannel 1: Beautiful.\n\nChannel 0: and let you work out, you know, how to become adults that is still within the safety of something we own and control and help\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: with.\n\nChannel 1: Half\n\nChannel 0: So,\n\nChannel 1: your life. Yeah. Yeah. It's a perfect setup. That's\n\nChannel 0: yeah.\n\nChannel 1: what we would have loved to have done. Yeah. It hasn't quite worked out the same, but yeah.\n\nChannel 0: Yeah. So It's saying here. So it's telling me that some states may allow it, but it depends on the state you're in and the rules at the time on whether it's a new or established home. So when you are just chatting to the mortgage broker about it, get them to double check and see if it's gonna be eligible based on where you look to buy and your circumstances.\n\nChannel 1: Yeah. Yeah. Yeah. Yeah. Yeah.\n\nThat makes sense. That that'd be, you know, certain criteria to yeah.\n\nChannel 0: Because, realistically,\n\nChannel 1: No. All good.\n\nChannel 0: she's eligible for as she's never owned a home before, but it more just comes down to how much of this property is gonna be owned by you guys and how much is owned by her. If it's only a very small amount owned by her, it looks like she may not be eligible to do it. So it might also\n\nChannel 1: Yep.\n\nChannel 0: come down to how the loan is structured as well. Yeah.\n\nChannel 1: Yeah. Yeah. Look, we'd yeah.\n\nChannel 0: Yeah.\n\nChannel 1: We'd only do it if there was benefits. I mean, you did mention a handful\n\nChannel 0: Yeah.\n\nChannel 1: of benefits for her in\n\nChannel 0: Yeah.\n\nChannel 1: the future beyond that. But, yeah, we'll we'll we'll cross that bridge when the time comes. But, no, that's\n\nChannel 0: Absolutely.\n\nChannel 1: good to know that these things are worth looking at at the time. So\n\nChannel 0: Yeah. Absolutely.\n\nChannel 1: yeah.\n\nChannel 0: No. Definitely. Perfect. The\n\nChannel 1: Alright.\n\nChannel 0: only other thing I just wanted to quickly run\n\nChannel 1: Yeah.\n\nChannel 0: through is just a risk profile questionnaire with you as well. Just making sure you're in that balanced environment. Just making sure that is still appropriate for you. Just with the risk profile questionnaire. So how would you sorta categorize yourself risk wise?\n\nDo you consider yourself happy to take on a higher amount of risk to get the best returns you can, a moderate or medium amount of risk to get the pot best possible returns, or a much smaller amount of risk knowing the returns are lower? Where would you sort of categorize yourself in\n\nChannel 1: I think I think I've always been on the on the\n\nChannel 0: there?\n\nChannel 1: safer side of everything.\n\nChannel 0: Yes.\n\nChannel 1: So I I'm I mean, I love the idea of getting a good return,\n\nChannel 0: Yeah.\n\nChannel 1: but I'm also not a fan of\n\nChannel 0: Yep.\n\nChannel 1: making little losses. So\n\nChannel 0: Yep.\n\nChannel 1: it's\n\nChannel 0: Nope.\n\nChannel 1: more of that balanced, you know, somewhere in between, I think.\n\nChannel 0: Yep. Yep. Yep. No. Absolutely.\n\nI've sort of put you at a three kind of in the middle range there at the moment. Happy to take on a a medium or moderate amount of risk to get the best returns you can, but making sure\n\nChannel 1: Yeah.\n\nChannel 0: you've got a good safety net there as well. Yep.\n\nChannel 1: Yeah. Yeah. I\n\nChannel 0: Yep.\n\nChannel 1: that's right. I mean, you know, as it's I'm what I mentioned to you last conversation, you know, there's a couple\n\nChannel 0: Yeah.\n\nChannel 1: of people around me that are working IT and there's a couple of really savvy, finance oriented, guys in that team that seem to do pretty well.\n\nChannel 0: Yeah.\n\nChannel 1: But they are high risk takers, you know, like,\n\nChannel 0: Yes.\n\nChannel 1: they do their own self managed funds and things like that. So\n\nChannel 0: Yeah.\n\nChannel 1: they're right into it. And, you know, so\n\nChannel 0: Yeah.\n\nChannel 1: when I sort of turn around, you know, you have a get got a 10% return, they go, oh, I got 18. And, you know, even my own\n\nChannel 0: Yeah.\n\nChannel 1: sister was bragging the other week. She her super this year got 24%. So\n\nChannel 0: Wow.\n\nChannel 1: yeah. Yeah. She's got my account and guru in Wollongong that,\n\nChannel 0: Yeah.\n\nChannel 1: yeah, has worked wonders over the last twelve months. So anyway, these are all things that but but but they're high risk, obviously.\n\nChannel 0: Yeah.\n\nChannel 1: So\n\nChannel 0: Yes. Yeah.\n\nChannel 1: I understand that. So\n\nChannel 0: Yeah.\n\nChannel 1: yeah. I think I'm I'm I'm a three, what you said.\n\nChannel 0: Yep. Yep. No. Absolutely. All good.\n\nThe next one here is how do you think you'd feel in the next sort of twelve months if the market took a big 20% drop? So if Trump was out there tweeting and say this war got worse and we did\n\nChannel 1: God.\n\nChannel 0: see a bit\n\nChannel 1: Anything's\n\nChannel 0: of a\n\nChannel 1: possible.\n\nChannel 0: downtime. I know.\n\nChannel 1: Yeah.\n\nChannel 0: And, look, investing in all markets, that is a possibility, but we certainly hope it definitely doesn't. But do you think you'd be feeling cautious, concerned, anxious, or or or optimistic about the opportunities?\n\nChannel 1: Obviously, I don't like seeing a loss, especially as, you know, I'm now in my sixtieth year. 59,\n\nChannel 0: Yes.\n\nChannel 1: approaching 60. So\n\nChannel 0: Yeah.\n\nChannel 1: the closer I get to retirement, the more it matters.\n\nChannel 0: Yep.\n\nChannel 1: And, obviously, as we're getting it, you know, a much better, more healthy balance in there\n\nChannel 0: Yep.\n\nChannel 1: yeah. And, you know, I'd love to retire, you know, five years ago. So\n\nChannel 0: Yeah.\n\nChannel 1: any any loss is is sort of met with appointment, obviously.\n\nChannel 0: Yep.\n\nChannel 1: Yeah. I don't know. I don't know what else I can say, really.\n\nChannel 0: Nope. That's fine. Yeah. I've got you down here as being quite concerned about it. You'd be, you know, very, very stressed out, maybe giving us a call and going when is this supposed to come back and, you know, how bad is it likely to get.\n\nSo I did put you down as a bit of a a three there being quite concerned. Am I on\n\nChannel 1: Yeah.\n\nChannel 0: the right track with\n\nChannel 1: And\n\nChannel 0: that\n\nChannel 1: I\n\nChannel 0: still?\n\nChannel 1: guess, you know, in the big picture of things, especially just getting this bit of Harrison's up, like, I'm feeling more secure. You know, we own our home now\n\nChannel 0: Yep.\n\nChannel 1: outright. We get free\n\nChannel 0: Mhmm.\n\nChannel 1: effectively. You never get a little bit of cash, and we're always in a good position where we're looking for another property\n\nChannel 0: Yep.\n\nChannel 1: very well, you know, pretty pretty secure. So\n\nChannel 0: Yep.\n\nChannel 1: really, what, you know, a 20% loss on on this, is it really gonna stress me out? Really, it probably shouldn't. You know what\n\nChannel 0: But\n\nChannel 1: I mean?\n\nChannel 0: understandable\n\nChannel 1: But\n\nChannel 0: that it can. Yeah. Yeah.\n\nChannel 1: yeah.\n\nChannel 0: Yep.\n\nChannel 1: So I\n\nChannel 0: No.\n\nChannel 1: yeah.\n\nChannel 0: That's\n\nChannel 1: I don't\n\nChannel 0: fine.\n\nChannel 1: know. Maybe I'm not as free on that. I don't know. Maybe\n\nChannel 0: That's\n\nChannel 1: I should\n\nChannel 0: okay.\n\nChannel 1: be less\n\nChannel 0: I've\n\nChannel 1: less concerned and more of a risk taker. I don't know. But I guess the only thing that's making me not commit to being more of a risk taker at the moment is just the volatile market, you know, the crazy comp\n\nChannel 0: Yes.\n\nChannel 1: and and crazy Albanese\n\nChannel 0: Yeah.\n\nChannel 1: at the moment. So\n\nChannel 0: Yeah. No. Absolutely.\n\nChannel 1: yeah. So I think it's probably\n\nChannel 0: Yep.\n\nChannel 1: wiser to be more on the cautious side at the moment, especially.\n\nChannel 0: Yeah. Absolutely. And, look, in all honesty, I've had a lot of conversations with people this year about their risk tolerance, and a lot of people who I've noted in the past couple of years in their fifties who tell me they're high risk and are happy to be in that high growth environment when they see markets like what we have this year, whether it does dip. And in all honesty, the dip we saw around about March and April wasn't more than 3%. It wasn't as large a dip as we have had in the past, but most people felt it pretty drastically because it was everywhere.\n\nIt was in the news. It was all over the place. Everyone was talking about it, and it was felt. And a lot of people I've spoken to in the past have gone, yeah, I'm high risk. I want the great returns.\n\nWhen they see that, they're ringing going, oh my god. What is happening? And at that moment, I'm like, I don't really think you're high growth because you have to go through these downtimes to and allow your money to come back. So a\n\nChannel 1: Okay.\n\nChannel 0: lot of people were tested in a 3% drop to find out whether they really were comfortable taking on high risk. And, I mean, I know people in their thirties and forties who don't wanna be in that high risk environment. And as much\n\nChannel 1: Yeah.\n\nChannel 0: as they have the time horizon ahead of them, it just makes them very nervous and concerned. And it's got a lot to do with past, you know, past history and how you're feeling in where you are in life. You're you've worked a whole lifetime. You're ready to retire. You're close to it, and you've worked really hard to get the super balance you have.\n\nAnd\n\nChannel 1: Yep.\n\nChannel 0: super wasn't a thing until the early nineties,\n\nChannel 1: That's right.\n\nChannel 0: and it's been\n\nChannel 1: Yeah.\n\nChannel 0: growing gradually, so it started off quite small. So it is very normal to be concerned. I wouldn't want you to be trying to take on more risk than what you're comfortable with because when the downtimes come and everyone feels the downtimes, you know, the idea is being in a balanced portfolio, which is that sixty forty split as opposed to a ninety ten split growth to defensive. You know, as much as you will still feel those down times and see, you know, those down times occur, you won't feel it as big as someone in that high growth environment there. So\n\nChannel 1: Yeah.\n\nChannel 0: I would not want you to feel like you have to take on more risk than you need to. There\n\nChannel 1: Yeah.\n\nChannel 0: are other things we can do to offset the risk by increasing contributions in. When you do get your investment property, you\n\nChannel 1: Yeah. Yep.\n\nChannel 0: When you do get your investment property and you are earning income, you know, if it's positively geared and the income is more than in what you're essentially spending or, you know, what the expenditure looks like, then there's income tax as a factor as well. So we can always, you know, utilize previous year's contributions if possible or use CapSpace to look at, you know, ways to offset some of that income so you're not paying a lot of\n\nChannel 1: Yeah. Yep.\n\nChannel 0: tax. And\n\nChannel 1: Magic.\n\nChannel 0: because you are 59 now, happy birthday, essentially, you are very close to 60. And at 60, there's other strategies we can look at. We can look at that transition retirement\n\nChannel 1: Thanks.\n\nChannel 0: strategy\n\nChannel 1: Yeah.\n\nChannel 0: where we can increase your contributions up to the cap every year and put a lot more money into super, but we can also draw a little bit at to supplement your income as well, which gives you the benefit of reducing your taxable income because you're drawing a little bit of money out of super tax free, but you're putting more into super\n\nChannel 1: Yeah. Right.\n\nChannel 0: to have more\n\nChannel 1: Okay.\n\nChannel 0: invested. And that's a great strategy to boost over the last couple of years towards that 60\n\nChannel 1: Yeah.\n\nChannel 0: five\n\nChannel 1: Right.\n\nChannel 0: age as well. Yeah.\n\nChannel 1: Cool. Alright. Excellent.\n\nChannel 0: Yeah.\n\nChannel 1: Look forward to those conversations also.\n\nChannel 0: Yeah. Yeah. I know. I get a bit excited\n\nChannel 1: Well,\n\nChannel 0: when people turn 60. I'm like, yes. Let's do it. They're all like,\n\nChannel 1: I'm glad\n\nChannel 0: I'm\n\nChannel 1: you\n\nChannel 0: 60.\n\nChannel 1: do.\n\nChannel 0: It's not great. And I'm like, yes. It is. It's great. Trust me.\n\n60 is amazing.\n\nChannel 1: Well, that's good. I'll I'll probably need that, yeah, that that sort of good\n\nChannel 0: That hype?\n\nChannel 1: energy. Yeah. Yeah. I did I did think of something. It's gone, but that's okay.\n\nIt wasn't important,\n\nChannel 0: That's okay.\n\nChannel 1: probably.\n\nChannel 0: If it comes\n\nChannel 1: Yeah.\n\nChannel 0: back, just let me know. It's all good. Easy\n\nChannel 1: Yeah.\n\nChannel 0: done.\n\nChannel 1: Yeah. Will do. Thanks,\n\nChannel 0: Beautiful.\n\nChannel 1: Dana. Amazing.\n\nChannel 0: That's okay. Well, you look you are investing correctly. That balanced environment still\n\nChannel 1: Alright.\n\nChannel 0: definitely\n\nChannel 1: That's\n\nChannel 0: suits for you.\n\nChannel 1: yeah. I'm\n\nChannel 0: Yep.\n\nChannel 1: happy with that. And if you're happy with that too, yeah,\n\nChannel 0: Excellent. Absolutely.\n\nChannel 1: that's reassuring.\n\nChannel 0: I would not wanna be pushing you up any further than where you're comfortable with because as you've said, the ups and downs are there. We've definitely felt them this year, and you are getting closer to that retirement aspect. So let's not push it beyond the bar, and, you know, it's\n\nChannel 1: No.\n\nChannel 0: great. Some years, you can get those amazing returns too, but I wouldn't wanna be pushing the risk level to get that for you. I'd rather it be more consistent average return that compounds over time and builds gradually\n\nChannel 1: Yep. Yeah. That sounds good to me too. I was yeah. Obviously, also an awareness of a couple of articles I've just read in the last month, I guess, two different ones where a couple of those super funds\n\nChannel 0: Yeah.\n\nChannel 1: went went fast or whatever and, you know, people like myself, you know, that that sort of struggled or whatever and\n\nChannel 0: Yeah.\n\nChannel 1: have worked really hard and they lost, you know, all or if not, you know, three quarters of\n\nChannel 0: A\n\nChannel 1: their\n\nChannel 0: lot.\n\nChannel 1: their super,\n\nChannel 0: Yes.\n\nChannel 1: which doesn't seem to be regainable through any measure. So I\n\nChannel 0: Yep.\n\nChannel 1: yeah. That's pretty daunting that that could have even\n\nChannel 0: It\n\nChannel 1: happened\n\nChannel 0: is.\n\nChannel 1: at all.\n\nChannel 0: Yeah. Pretty\n\nChannel 1: So I'm\n\nChannel 0: scary.\n\nChannel 1: I'm hoping Hub twenty four is secure.\n\nChannel 0: Yeah. Well, Hub twenty four is an ASX listed company. So they're on the ASX. They're a public company. They're actually one of the better platforms out there.\n\nThey're not going anywhere. If by any chance, Hub twenty four did go broke and did, you don't you won't lose your money. So your money is invested\n\nChannel 1: Okay.\n\nChannel 0: in the managed funds. And if something was\n\nChannel 1: Yeah.\n\nChannel 0: to happen with Hub twenty four, it would be known well in advance. There would be a problem. There would be, you know, people coming in to sort of either buy the platform or try to, you know, take something over. But if anything was to happen, because your is invested in investments, the platform is just like the vehicle. It just holds it just receives the money and then just allocate it into the investments.\n\nBut\n\nChannel 1: Yeah.\n\nChannel 0: your money is still invested in those other investments, and they can be moved to another platform. So\n\nChannel 1: Well, this\n\nChannel 0: there\n\nChannel 1: is\n\nChannel 0: are\n\nChannel 1: a thing that\n\nChannel 0: aspects\n\nChannel 1: sort\n\nChannel 0: of\n\nChannel 1: of\n\nChannel 0: security.\n\nChannel 1: confused me about these ones that has gone bust and people have lost their money. I'm sort of going, well, how can that happen? Really, it's really just an investment managing service.\n\nChannel 0: Yeah.\n\nChannel 1: You know, on for for me, I guess, with Hub twenty four and yourself, it's just really\n\nChannel 0: Yep.\n\nChannel 1: just investing the the funds. It's not a, you know, it's not a person that you're giving your money to.\n\nChannel 0: No.\n\nChannel 1: So\n\nChannel 0: Correct.\n\nChannel 1: yeah.\n\nChannel 0: And that's that's probably the biggest thing is some of these older schemes were very differently run. They might are you sort of referring back to, like, the First Guardian types of things?\n\nChannel 1: Yeah. That's it. Yeah. I was trying to think\n\nChannel 0: Yes.\n\nChannel 1: of some of the names\n\nChannel 0: Yes.\n\nChannel 1: there.\n\nChannel 0: Yes. No.\n\nChannel 1: Yeah.\n\nChannel 0: I've I've I've been trying to get people out of First Guardian myself for a while now. It's very difficult. But, yeah, they unfortunately, those sorts of investments that wasn't a super fund as such, the First Guardian was an unlisted managed fund. It was a managed fund that was operated on platforms like Netwealth and Macquarie. Hub twenty four, to my understanding, hasn't had access to that, which is a good thing.\n\nBut that was a managed fund that advisers and it made it very hard to get out. And other investments that people are struggling to get out of at the moment are also unlisted property, which have certain periods throughout the year where they open up withdrawals, and you can't get your money out in the year where they open up withdrawals, and you can't get your money out in between those withdrawal periods. So I've unfortunately had a little bit of experience with First Guardian and never recommended anyone to go into it, thankfully, but I have been trying to get people out of it for the past two years, and it has been very,\n\nChannel 1: Wow.\n\nChannel 0: very difficult to do so.\n\nChannel 1: Wow.\n\nChannel 0: People have lost a lot of money, and, unfortunately,\n\nChannel 1: It's terrible.\n\nChannel 0: the platforms when they like, I think Macquarie and Netwealth are probably the biggest two that have had that kind of an issue. They, unfortunately, were buying or giving people some money back, but it was only a fair value based on how much they had invested in the stock or in the managed fund, and they still came out at a loss. So people will, unfortunately, never see that money again. A lot of people had worked for forty or fifty years and were very close to retirement. It was very, very horrible.\n\nBut,\n\nChannel 1: Yeah.\n\nChannel 0: thankfully, what we have you in is ETFs. We do have a property fund, but it is very liquid and very easy to get you out of. We don't hold anything unlisted or really speculative like that. We make sure everything that you're invested in is liquid, can be sold within four weeks, at the very most, but it's\n\nChannel 1: Mhmm.\n\nChannel 0: easy to sell down if has to be because you don't need to be at anything that you can't get access to. So Yeah. Yeah.\n\nChannel 1: Mhmm. Yeah. Well, that's that's reassuring. Yeah. Yeah.\n\nBut\n\nChannel 0: Yeah.\n\nChannel 1: yeah. Yeah. It certainly feels like people that that lost out. That's just shouldn't matter never have been\n\nChannel 0: Oh,\n\nChannel 1: allowed\n\nChannel 0: absolutely.\n\nChannel 1: to happen. Yeah.\n\nChannel 0: Absolutely. It is horrifying.\n\nChannel 1: Anyway\n\nChannel 0: But no.\n\nChannel 1: yeah.\n\nChannel 0: Oh, good.\n\nChannel 1: Well, once again, thanks, Daniel. I've taken\n\nChannel 0: That's okay.\n\nChannel 1: up more\n\nChannel 0: My\n\nChannel 1: time\n\nChannel 0: pleasure.\n\nChannel 1: than we probably anticipated, but I\n\nChannel 0: No.\n\nChannel 1: really do appreciate it. It's always\n\nChannel 0: It's\n\nChannel 1: very\n\nChannel 0: all good.\n\nChannel 1: good and reassuring after I speak to\n\nChannel 0: Thank\n\nChannel 1: you. So\n\nChannel 0: you. Thank you.\n\nChannel 1: yeah. Yeah. Thanks very much.\n\nChannel 0: My pleasure. I'll let you go. You have a lovely night. It's probably dinner time for you. So you go and\n\nChannel 1: Yeah.\n\nChannel 0: put\n\nChannel 1: I\n\nChannel 0: your\n\nChannel 1: can\n\nChannel 0: feet\n\nChannel 1: smell it cooking.\n\nChannel 0: up.\n\nChannel 1: Thanks very much. Alright.\n\nChannel 0: My\n\nChannel 1: I'll speak\n\nChannel 0: pleasure.\n\nChannel 1: to if not beforehand, better than three months' time.\n\nChannel 0: In three months' time. Absolutely. And when you get a chance, have a look at that email. If there's any questions in\n\nChannel 1: Oh, will\n\nChannel 0: relation\n\nChannel 1: do.\n\nChannel 0: to those documents, let me know. Okay.\n\nChannel 1: Perfect. Alright. Cheers.\n\nChannel 0: All good.\n\nChannel 1: Appreciate\n\nChannel 0: Thank you,\n\nChannel 1: it.\n\nChannel 0: Brad. I appreciate\n\nChannel 1: Okay.\n\nChannel 0: your time. Have a great night.\n\nChannel 1: Bye. You too. See you.\n\nChannel 0: Thanks. See you later. 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and","start":3233.59,"end":3234.1501,"sentiment":"neutral","sentiment_score":0.21266430988907814}],"sentiment":"positive","sentiment_score":0.5426107566981089,"channel":0,"num_words":21,"start":3229.465,"end":3234.1501},{"sentences":[{"text":"Yeah.","start":3234.055,"end":3234.295,"sentiment":"neutral","sentiment_score":0.11432605236768724}],"sentiment":"neutral","sentiment_score":0.11432605236768724,"channel":1,"num_words":1,"start":3234.055,"end":3234.295},{"sentences":[{"text":"put","start":3234.1501,"end":3234.31,"sentiment":"neutral","sentiment_score":0.187486469745636}],"sentiment":"neutral","sentiment_score":0.187486469745636,"channel":0,"num_words":1,"start":3234.1501,"end":3234.31},{"sentences":[{"text":"I","start":3234.295,"end":3234.4548,"sentiment":"neutral","sentiment_score":0.2334778606891632}],"sentiment":"neutral","sentiment_score":0.2334778606891632,"channel":1,"num_words":1,"start":3234.295,"end":3234.4548},{"sentences":[{"text":"your","start":3234.31,"end":3234.47,"sentiment":"neutral","sentiment_score":0.26877719163894653}],"sentiment":"neutral","sentiment_score":0.26877719163894653,"channel":0,"num_words":1,"start":3234.31,"end":3234.47},{"sentences":[{"text":"can","start":3234.4548,"end":3234.6948,"sentiment":"neutral","sentiment_score":0.31064680218696594}],"sentiment":"neutral","sentiment_score":0.31064680218696594,"channel":1,"num_words":1,"start":3234.4548,"end":3234.6948},{"sentences":[{"text":"feet","start":3234.47,"end":3234.97,"sentiment":"neutral","sentiment_score":0.31032025814056396}],"sentiment":"neutral","sentiment_score":0.31032025814056396,"channel":0,"num_words":1,"start":3234.47,"end":3234.97},{"sentences":[{"text":"smell it cooking.","start":3234.6948,"end":3235.595,"sentiment":"neutral","sentiment_score":0.33038679758707684}],"sentiment":"neutral","sentiment_score":0.33038679758707684,"channel":1,"num_words":3,"start":3234.6948,"end":3235.595},{"sentences":[{"text":"up.","start":3235.27,"end":3235.77,"sentiment":"neutral","sentiment_score":0.19374844431877136}],"sentiment":"neutral","sentiment_score":0.19374844431877136,"channel":0,"num_words":1,"start":3235.27,"end":3235.77},{"sentences":[{"text":"Thanks very much.","start":3237.015,"end":3238.075,"sentiment":"positive","sentiment_score":0.5890335043271383},{"text":"Alright.","start":3238.2148,"end":3238.535,"sentiment":"neutral","sentiment_score":0.20783627033233645}],"sentiment":"positive","sentiment_score":0.4937341958284378,"channel":1,"num_words":4,"start":3237.015,"end":3238.535},{"sentences":[{"text":"My","start":3238.47,"end":3238.79,"sentiment":"neutral","sentiment_score":0.1622687727212906}],"sentiment":"neutral","sentiment_score":0.1622687727212906,"channel":0,"num_words":1,"start":3238.47,"end":3238.79},{"sentences":[{"text":"I'll 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time.","start":3241.83,"end":3242.87,"sentiment":"neutral","sentiment_score":0.030893318355083466},{"text":"Absolutely.","start":3242.87,"end":3243.37,"sentiment":"neutral","sentiment_score":0.22792458534240723},{"text":"And when you get a chance, have a look at that email.","start":3243.59,"end":3245.655,"sentiment":"neutral","sentiment_score":0.134838309759895},{"text":"If there's any questions in","start":3245.655,"end":3246.855,"sentiment":"neutral","sentiment_score":0.047403907775878905}],"sentiment":"neutral","sentiment_score":0.10029895976185799,"channel":0,"num_words":22,"start":3241.83,"end":3246.855},{"sentences":[{"text":"Oh, will","start":3246.65,"end":3247.0498,"sentiment":"neutral","sentiment_score":0.025992325507104397}],"sentiment":"neutral","sentiment_score":0.025992325507104397,"channel":1,"num_words":2,"start":3246.65,"end":3247.0498},{"sentences":[{"text":"relation","start":3246.855,"end":3247.095,"sentiment":"neutral","sentiment_score":0.053178686648607254}],"sentiment":"neutral","sentiment_score":0.053178686648607254,"channel":0,"num_words":1,"start":3246.855,"end":3247.095},{"sentences":[{"text":"do.","start":3247.0498,"end":3247.5498,"sentiment":"neutral","sentiment_score":0.03681459277868271}],"sentiment":"neutral","sentiment_score":0.03681459277868271,"channel":1,"num_words":1,"start":3247.0498,"end":3247.5498},{"sentences":[{"text":"to those documents, let me know.","start":3247.095,"end":3248.875,"sentiment":"neutral","sentiment_score":0.054851170629262924},{"text":"Okay.","start":3248.935,"end":3249.435,"sentiment":"neutral","sentiment_score":0.20254111289978027}],"sentiment":"neutral","sentiment_score":0.0759497338107654,"channel":0,"num_words":7,"start":3247.095,"end":3249.435},{"sentences":[{"text":"Perfect.","start":3249.2898,"end":3249.7898,"sentiment":"positive","sentiment_score":0.5570573210716248},{"text":"Alright.","start":3250.0098,"end":3250.5098,"sentiment":"positive","sentiment_score":0.43632909655570984},{"text":"Cheers.","start":3250.65,"end":3251.13,"sentiment":"positive","sentiment_score":0.6047893166542053}],"sentiment":"positive","sentiment_score":0.5327252447605133,"channel":1,"num_words":3,"start":3249.2898,"end":3251.13},{"sentences":[{"text":"All good.","start":3250.695,"end":3251.175,"sentiment":"positive","sentiment_score":0.5988264679908752}],"sentiment":"positive","sentiment_score":0.5988264679908752,"channel":0,"num_words":2,"start":3250.695,"end":3251.175},{"sentences":[{"text":"Appreciate","start":3251.13,"end":3251.5298,"sentiment":"positive","sentiment_score":0.622729480266571}],"sentiment":"positive","sentiment_score":0.622729480266571,"channel":1,"num_words":1,"start":3251.13,"end":3251.5298},{"sentences":[{"text":"Thank you,","start":3251.175,"end":3251.655,"sentiment":"positive","sentiment_score":0.7260298132896423}],"sentiment":"positive","sentiment_score":0.7260298132896423,"channel":0,"num_words":2,"start":3251.175,"end":3251.655},{"sentences":[{"text":"it.","start":3251.5298,"end":3252.0298,"sentiment":"positive","sentiment_score":0.6945825219154358}],"sentiment":"positive","sentiment_score":0.6945825219154358,"channel":1,"num_words":1,"start":3251.5298,"end":3252.0298},{"sentences":[{"text":"Brad.","start":3251.655,"end":3251.975,"sentiment":"positive","sentiment_score":0.3455619812011719},{"text":"I appreciate","start":3251.975,"end":3252.615,"sentiment":"positive","sentiment_score":0.47477424144744873}],"sentiment":"positive","sentiment_score":0.43170348803202313,"channel":0,"num_words":3,"start":3251.655,"end":3252.615},{"sentences":[{"text":"Okay.","start":3252.5698,"end":3253.0698,"sentiment":"positive","sentiment_score":0.3717231750488281}],"sentiment":"positive","sentiment_score":0.3717231750488281,"channel":1,"num_words":1,"start":3252.5698,"end":3253.0698},{"sentences":[{"text":"your time.","start":3252.615,"end":3253.175,"sentiment":"positive","sentiment_score":0.576945424079895},{"text":"Have a great night.","start":3253.175,"end":3254.315,"sentiment":"positive","sentiment_score":0.6727656275033951}],"sentiment":"positive","sentiment_score":0.6408255596955618,"channel":0,"num_words":6,"start":3252.615,"end":3254.315},{"sentences":[{"text":"Bye.","start":3254.49,"end":3254.73,"sentiment":"positive","sentiment_score":0.37420400977134705},{"text":"You too.","start":3254.73,"end":3255.3699,"sentiment":"neutral","sentiment_score":0.28022412955760956},{"text":"See you.","start":3255.3699,"end":3256.1099,"sentiment":"neutral","sentiment_score":0.32462865114212036}],"sentiment":"neutral","sentiment_score":0.31678191423416135,"channel":1,"num_words":5,"start":3254.49,"end":3256.1099},{"sentences":[{"text":"Thanks.","start":3255.975,"end":3256.375,"sentiment":"positive","sentiment_score":0.4566691517829895},{"text":"See you later.","start":3256.375,"end":3257.095,"sentiment":"neutral","sentiment_score":0.2994845261176427},{"text":"Bye.","start":3257.095,"end":3257.595,"sentiment":"neutral","sentiment_score":0.1703280657529831}],"sentiment":"neutral","sentiment_score":0.30509015917778015,"channel":0,"num_words":5,"start":3255.975,"end":3257.595},{"sentences":[{"text":"Bye.","start":3257.69,"end":3258.19,"sentiment":"neutral","sentiment_score":-0.0775795429944992}],"sentiment":"neutral","sentiment_score":-0.0775795429944992,"channel":1,"num_words":1,"start":3257.69,"end":3258.19}]},"summary":{"result":"success","short":"The OQ Financial representative discussed Brad's annual and monthly reviews, including his balance and net return, the possibility of increasing contributions, and the benefits of investing in the current market. They expressed hesitation to put his hard earned cash into it until the market improves, but considering investing in an upmarket. The conversation also covered the risk tolerance and retirement aspect, with the speaker expressing excitement for future conversations and discussing retirement and being in a good age. The speaker reassured Brad that he is investing correctly and that the risk levels are not pushing him beyond his comfortable range, and suggested that the company is trying to get people out of it."},"intents":{"segments":[{"text":"When I look at the overall performance over the last one year sorry. I'm seeing the right report in front of me. Over the last twelve months, the net return for after fees, you're up by 8.23%, which is fantastic. As a dollar figure, it shows your earnings, your growth plus your income within the fund is over $39,644. So you've had a really good year in the portfolio there. Yes.","start_word":469,"end_word":539,"intents":[{"intent":"Update portfolio performance","confidence_score":0.08898554}]},{"text":"I guess part of the plan going forward was to up my contributions considerably. Yes. Yes.","start_word":741,"end_word":756,"intents":[{"intent":"Increase contributions","confidence_score":0.038524397}]},{"text":"The investments haven't really worked. I mean, maybe the last three months have improved a little bit. But Yeah.","start_word":826,"end_word":844,"intents":[{"intent":"Improve investments","confidence_score":0.100963645}]},{"text":"Because I met, you know, currently, I'm earning better interest in the bank. So Yep.","start_word":878,"end_word":892,"intents":[{"intent":"Obtain interest in the bank","confidence_score":0.0007425203}]},{"text":"That's that's completely understandable. On the other side of that, because the markets have been very up and down, it is also a good time to start contributing more. That way, when the markets are down, you do take more of an advantage of that. Yeah. Essentially, Yeah.","start_word":895,"end_word":942,"intents":[{"intent":"Understand the situation","confidence_score":0.011192669}]},{"text":"On the other side of that, because the markets have been very up and down, it is also a good time to start contributing more. That way, when the markets are down, you do take more of an advantage of that. Yeah. Essentially, Yeah.","start_word":899,"end_word":942,"intents":[{"intent":"Utilize the markets","confidence_score":0.0036189877}]},{"text":"but that that particular thing sort of prompted us to get into a better position and think about being ready for the next one because we sort of, so I didn't think my wife was really inclined. I've always wanted a a bit of a rural property, but she hasn't. Yeah.","start_word":1521,"end_word":1571,"intents":[{"intent":"Improve property search outcomes","confidence_score":0.0000056472477}]},{"text":"wanna make sure that we do keep reviewing everything with you and kind of make sure we update things as need be.","start_word":2086,"end_word":2107,"intents":[{"intent":"Update and update","confidence_score":0.022191498}]},{"text":"also done that investment switch now as well, so it'll be important to keep reviewing that and seeing a lot of that.","start_word":2111,"end_word":2132,"intents":[{"intent":"Review investment decision","confidence_score":0.0013196236}]},{"text":"So we're hoping that that sale will be completed, you Okay. know, in in the next week or so. Yeah.","start_word":2471,"end_word":2490,"intents":[{"intent":"Plan house sale","confidence_score":0.081423454}]},{"text":"yeah, that's that's what we've we've got moving forward to to secure a small rural acreage. Fantastic.","start_word":2836,"end_word":2852,"intents":[{"intent":"Secure a rural acreage","confidence_score":0.050249647}]},{"text":"just about servicing the sort of that's why the banks wouldn't really give us the money because we're at the very threshold of and I'm sort of thankful now that, you know, it looks like interest rates are gonna go up another quarter next week or something. But anyway, Yeah.","start_word":2923,"end_word":2972,"intents":[{"intent":"Discuss servicing","confidence_score":0.00047592452}]},{"text":"I was just thinking of putting in a return deposit because you can get, like, about five and a half percent. right.","start_word":3140,"end_word":3161,"intents":[{"intent":"Put a return deposit","confidence_score":0.28635913}]},{"text":"A term deposit sounds great or even a high interest savings account.","start_word":3423,"end_word":3434,"intents":[{"intent":"Discuss term deposit options","confidence_score":0.009897189}]},{"text":"they can, you know, try to get exemptions and try to get, you know, better rates for you as well to try and get the best Yeah.","start_word":3531,"end_word":3557,"intents":[{"intent":"Obtain exemptions and get better rates","confidence_score":0.0035828808}]},{"text":"they can, you know, try to get exemptions and try to get, you know, better rates for you as well to try and get the best Yeah. rate possible.","start_word":3531,"end_word":3559,"intents":[{"intent":"Get better rates","confidence_score":0.24942285}]},{"text":"And I actually was talking to one recently, you know, asking about with the new changes to negative gearing and CGT, are they finding that investors are backing off?","start_word":3646,"end_word":3674,"intents":[{"intent":"Understand investors' backing off","confidence_score":0.019113211}]},{"text":"But then after kind of pulling it apart, I can see some advantages to it You're right.","start_word":3742,"end_word":3758,"intents":[{"intent":"Benefit from cgt","confidence_score":0.00872732}]},{"text":"Essentially, each tax time, they'll let you utilize out of the expenditure.","start_word":3803,"end_word":3814,"intents":[{"intent":"Utilize expenditure for expenses","confidence_score":0.000034910492}]},{"text":"So then if you hold that property for, say, ten years and you then sell it off and have, you know, a $500,000 CGT, they let you then carry those losses forward indefinitely and build them up to offset the capital gain at the very end.","start_word":3853,"end_word":3898,"intents":[{"intent":"Carry losses indefinitely","confidence_score":0.13958889}]},{"text":"So down the track, it could have a much greater benefit rather than offsetting it on a yearly Yeah.","start_word":3900,"end_word":3918,"intents":[{"intent":"Explain benefit benefits and purpose of the property purchase","confidence_score":0.000020311893}]},{"text":"And if the say the ATO was to provide an audit and go back over tax returns and look at what was actually being, you know, declared, if they, for any reason, found that you had bought that property solely to negative gear, solely to enter a scheme for the purpose of reducing tax, It's seen as a tax avoidance, and they can Yeah.","start_word":4101,"end_word":4164,"intents":[{"intent":"Explain tax avoidance and tax avoidance of certain purposes","confidence_score":4.0999792e-10}]},{"text":"I can see why they've done it. I don't always like it because I'm an investor. I have a property that I negatively Yeah. gear, and I have done for three years now. But No. That's I didn't fine. buy that property too negatively gear. I bought that for my kids to live in. I just made it cheap Yep. enough for them to live in so that it was negatively geared. Yeah.","start_word":4191,"end_word":4263,"intents":[{"intent":"Describe the impact of negatively geared properties on tax","confidence_score":0.0000021990807}]},{"text":"But I can I can see both sides of the aspect, and I can see where it's a benefit, but also a downside and a negative there?","start_word":4269,"end_word":4295,"intents":[{"intent":"Explain benefits","confidence_score":0.00029740843}]},{"text":"I don't fully hate this system, but I don't necessarily like it. And I can see where it is an advantage and a disadvantage. And I do I do think it would it is going to provide a disadvantage to mom and dad investors who are just trying to buy a property to, you know, help build on to help with the super or to, you know, utilize or to build wealth for their kids and things like that, Yeah.","start_word":4506,"end_word":4585,"intents":[{"intent":"Discuss disadvantages of system","confidence_score":0.0018919162}]},{"text":"order for it to back, they also had changes to self made super funds and lending within that aspect as well.","start_word":4621,"end_word":4641,"intents":[{"intent":"Discuss budget changes","confidence_score":0.08131699}]},{"text":"Now I look forward to that conversation because that means things are going well for us. Yeah. Absolutely.","start_word":5484,"end_word":5501,"intents":[{"intent":"Confirm status","confidence_score":0.000023168035}]},{"text":"you were to incorporate her into the loan, she gets a bit of a she gets assessed as part of the loan as a borrower.","start_word":6317,"end_word":6341,"intents":[{"intent":"Assess borrowers accurately","confidence_score":0.0016791122}]},{"text":"But then later on down the track, if she's then wanting to buy another property, whether it be her main primary residence or an investment property down the track, she's already got one well, part of one property there. So they can assess her part of the the property, you know, to to help her buy more.","start_word":6684,"end_word":6740,"intents":[{"intent":"Purchase property","confidence_score":0.0028829281}]},{"text":"So they can assess her part of the the property, you know, to to help her buy more.","start_word":6722,"end_word":6739,"intents":[{"intent":"Assess property","confidence_score":0.57516235}]},{"text":"She's she's Oh, really good with her money. love that. So I Woman think to the bank my own would heart. be happy. Yeah. Yeah. It's yeah. I'm pretty proud of her with Yeah. her money Yeah. sense. She's very good, very frugal without being Oh, good. miserable. You know, she's Yes. she's, yeah, really wise with her money, which is good. Yeah.","start_word":6889,"end_word":6951,"intents":[{"intent":"Qualify","confidence_score":0.014660433}]},{"text":"she's, yeah, really wise with her money, which is good. Yeah.","start_word":6941,"end_word":6951,"intents":[{"intent":"Get advice","confidence_score":0.002487536}]},{"text":"But again, we can deal with that kind of detail when the Yeah. time comes. Yeah.","start_word":6981,"end_word":6996,"intents":[{"intent":"Deal with details","confidence_score":0.36805326}]},{"text":"I think, though, if I'm thinking, though, if, let me double check it because she can as a first home buyer, but I'm not sure if it then goes on if she goes into, like, a co loan with you guys or not.","start_word":7058,"end_word":7100,"intents":[{"intent":"Discuss first home buyer options","confidence_score":0.0065486184}]},{"text":"The next one here is how do you think you'd feel in the next sort of twelve months if the market took a big 20% drop?","start_word":7982,"end_word":8007,"intents":[{"intent":"Evaluate market implications","confidence_score":0.0016572688}]},{"text":"And, you know, I'd love to retire, you know, five years ago. So Yeah.","start_word":8122,"end_word":8135,"intents":[{"intent":"Describe retirement plans","confidence_score":0.00001361507}]},{"text":"But I guess the only thing that's making me not commit to being more of a risk taker at the moment is just the volatile market, you know, the crazy comp Yes. and and crazy Albanese Yeah. at the moment. So Yeah. No. Absolutely. yeah. So I think it's probably Yep. wiser to be more on the cautious side at the moment, especially. Yeah.","start_word":8379,"end_word":8442,"intents":[{"intent":"Analyze risk-taking strategies","confidence_score":0.0054108324}]},{"text":"I wouldn't want you to be trying to take on more risk than what you're comfortable with because when the downtimes come and everyone feels the downtimes, you know, the idea is being in a balanced portfolio, which is that sixty forty split as opposed to a ninety ten split growth to defensive.","start_word":8780,"end_word":8832,"intents":[{"intent":"Optimize portfolio investments","confidence_score":0.040628854}]},{"text":"I'm hoping Hub twenty four is secure. Yeah.","start_word":9487,"end_word":9494,"intents":[{"intent":"Evaluate funding security","confidence_score":0.000013895791}]},{"text":"So I've unfortunately had a little bit of experience with First Guardian and never recommended anyone to go into it, thankfully, but I have been trying to get people out of it for the past two years, and it has been very, Wow. very difficult to do so. Wow.","start_word":9944,"end_word":9992,"intents":[{"intent":"Educate on first guardian's financial difficulties","confidence_score":0.000017484444}]}]},"sentiments":{"segments":[{"text":"Hello? Hello? Hi, Brad. It's Dana from OQ Financial. How Hi, are you Dana. today? It was blank there for a minute. Yeah. I couldn't hear anything. I was like, oh, no. Did you answer? Am I leaving a message? It's because you're so far away in Queensland. You know? That's That's it. how are No. you? All I'm very well.","start_word":0,"end_word":60,"sentiment":"neutral","sentiment_score":-0.08528152108192444},{"text":"Thank you.","start_word":61,"end_word":62,"sentiment":"positive","sentiment_score":0.5185084939002991},{"text":"I had you booked in to go through you and your review today. Yeah. Is Yeah. Yeah. now Let's let's still knock it a off. Yeah. good time there for you? Yep.","start_word":63,"end_word":94,"sentiment":"neutral","sentiment_score":0.11648565530776978},{"text":"Fantastic.","start_word":95,"end_word":95,"sentiment":"positive","sentiment_score":0.377937376499176},{"text":"How's Not your too bad. day It's a bit been cool down here so at the moment, far? though. Yep. Yeah. Yep. Yeah. I I I love where we lived here in Kayano on on the South Coast Of New South Wales, but it's Yeah. very picturesque, but I hate winter because it's too far south and it gets too cold. It's like, Yeah. at the moment, it's the wind's blowing off the snow a bit further down the coast, so it's like seven degree chill factor or something. So Yeah. yeah. No. I'm I couldn't do that cold. no. No. I wanna move closer up your way for sure. Yeah. Absolutely. And, look, I understand the cold down there because my husband's family are from Yonge, Oh, so Inland, New South Wales. yeah. And, Yeah. Yeah. yeah, Yeah. they It are gets quite cold okay with in the cold. winter. Yeah. No. Not No. my sort of No. No. If this place wasn't so pretty, I would have left years ago. code. But Understandable. I'm sending through a copy of some annual review documents to kinda run through and give you an update on how things are going. Are you able to access your emails at the moment? Not If not, that's okay. conveniently. Like, it's just on No. my phone. I don't have my laptop in front of me, unfortunately. No. That's okay. I did look at the hub Okay. site and sort of printed Yeah. off the last financial year Yep. kind of stats and had a quick Yep. look. But that's, yeah, nothing too too advanced there. That's okay. Honestly, it's not a problem. I've sent the documents through to you, so they will be in your emails when you get a second Yep. to have a bit of a look at them there. But Mhmm. just to give you a bit of an update, so as of your last annual review last year, your balance then was 397,562. As of yesterday's date sorry. The twenty seventh. So Monday's date when these documents were prepared, your balance is now 419,817 and 22<unk>.","start_word":96,"end_word":453,"sentiment":"neutral","sentiment_score":0.008431913216686782},{"text":"So we have had a good increase in the last year on your balance, which is good.","start_word":453,"end_word":470,"sentiment":"positive","sentiment_score":0.6434825658798218},{"text":"When I look at the overall performance over the last one year sorry.","start_word":470,"end_word":483,"sentiment":"neutral","sentiment_score":0.2883237600326538},{"text":"I'm seeing the right report in front of me. Over the last twelve months, the net return for after fees, you're up by 8.23%, which is fantastic. As a dollar figure, it shows your earnings, your growth plus your income within the fund is over $39,644. So you've had a really good year in the portfolio there. Yes. And since we made those changes with everything we did in the last few months with the advice documents, in the last three months, you're up by about 1.39%, which is earnings of over $7,800 in the last three months there as well. So everything is tracking along and ticking really, really nicely, and that's definitely what we'd sort of hope and expect from the portfolio thus far.","start_word":483,"end_word":609,"sentiment":"positive","sentiment_score":0.5236255526542664},{"text":"Yeah. Yeah. I don't know whether I'm looking at exactly the same graph or whatever as you. I'll That's okay. refer to your email when when and grasp when I can, and now I'll realize Yeah. what I'm actually clicking on may be the wrong one. That's okay. Yeah. Like, it did appear, and I know that we've had some, know, world issues that sort of made a bit of a a decline there Yep. late last year Mhmm. or early this financial year. Yeah. Early this year, whatever it happened Yep. to be. Yeah. Yeah. So I think, yeah, the results could have been better, but that's no fault of anyone's except just just the status quo of the the world Part of finances. where we are. Yeah. Yeah. Yeah. Yeah.","start_word":609,"end_word":739,"sentiment":"neutral","sentiment_score":-0.07552308469783259},{"text":"Absolutely.","start_word":740,"end_word":740,"sentiment":"positive","sentiment_score":0.4556730389595032},{"text":"I guess part of the plan going forward was to up my contributions considerably. Yes. Yes. I haven't done that as yet Yep. Yep. purely because when I sort of look at it, like, it just seems to be flatlining at the moment. Like, the investment Mhmm. strategy is Yep. pretty, pretty flat. I mean, I think, you know, if we look at from January to now, you know, my contributions have been about $7 or whatever, but it's it's it's that hasn't really increased.","start_word":741,"end_word":825,"sentiment":"neutral","sentiment_score":-0.08191504329442978},{"text":"The investments haven't really worked.","start_word":826,"end_word":830,"sentiment":"negative","sentiment_score":-0.3555198311805725},{"text":"I mean, maybe the last three months have improved a little bit. But Yeah. so I've been hesitant to put, you know, my hard earned cash into it to bolster it up a little bit until I see it sort of performing a bit Mhmm. better. Yep. Because I met, you know, currently, I'm earning better interest in the bank. So Yep. Yeah. No. That's that's completely understandable. On the other side of that, because the markets have been very up and down, it is also a good time to start contributing more. That way, when the markets are down, you do take more of an advantage of that. Yeah. Essentially, Yeah. Yeah. True. if we Yeah. by sort of waiting and holding on until the markets are not doing a lot better, you're essentially buying into an already increased market or an an upmarket. Whereas, realistically, with contributions, we wanna see them going in on a regular basis so that we're dollar cost averaging in over time. We're taking advantage of the markets when they are in a downtime, and then also continuing through the uptimes as well. The idea is that when you sort of stay hold, like, an investment state, I'm speaking with the, you know, the AAA cash or even just gold, if that was, you know, $50 per share one day and you put a $100 in, you buy two units of that share. If the next day has gone down, you still put a $100 in, say it's $50.20 dollars, it does mean that the overall balance has decreased slightly. But when you put that $100 in, you buy five of Oh, those shares rather than two. And then the yeah. market Yeah. comes back, and you end up buying a few less. So you Yeah. do end up buying more units overall, but I do understand where you're at.","start_word":831,"end_word":1146,"sentiment":"neutral","sentiment_score":-0.00831268731905501},{"text":"And that's absolutely fine.","start_word":1147,"end_word":1150,"sentiment":"positive","sentiment_score":0.4039555490016937},{"text":"If you wanna hold off, you honestly can. But, yeah, I just Yeah. wanted It was to more give you about the other and side. I totally yeah. I totally Yeah. get what you were just saying. It's I guess that's it just might my initial hesitation and I thought, oh, look, I'll just sit and monitor it and see how it sort of performs. So I thought, Yeah. you know, it it well, and as we can see that it has picked up the last three months a little bit. Yeah. But, yeah, just that that whole non movement thing just made me balk it, you know, putting my money in there. Plus, we've had a few things going on here as well Yeah. where we were we were actually trying to purchase another property. Yep. It sort of came left a field. I think I might have mentioned to you that, Yeah. you know, we would we you know, we're gonna come into a an inheritance soon once we sold the father in law's house. Yeah. And what were we gonna do with those funds? You know, we were gonna look at investment property and all the rest of it.","start_word":1151,"end_word":1352,"sentiment":"neutral","sentiment_score":-0.01102227158844471},{"text":"Well, the investment side of things is not so encouraging with the property market.","start_word":1353,"end_word":1366,"sentiment":"negative","sentiment_score":-0.4380239248275757},{"text":"You know, capital Yep. gains tax sort of being eliminated at well-being enforced Changed. and and capital gain Yeah. gosh. Negative gearing being sort of Yep. eliminated as an incentive to buy an investment property. However, just to mix things up a little bit, we just went on a weekend away close by to Kiama, actually, but a valley, inland Yes.","start_word":1367,"end_word":1427,"sentiment":"neutral","sentiment_score":-0.050353104828811085},{"text":"valley, and fell in love with a particular property, which we visited and tried our utmost to actually try and get financed to to buy.","start_word":1428,"end_word":1452,"sentiment":"positive","sentiment_score":0.39804819226264954},{"text":"So that was Yes. another reason why I just held on to my cash Somebody? and didn't start throwing Yes.","start_word":1453,"end_word":1472,"sentiment":"neutral","sentiment_score":0.08335381001234055},{"text":"it into the That's the the absolutely super. That's fine.","start_word":1473,"end_word":1482,"sentiment":"positive","sentiment_score":0.4424867033958435},{"text":"that was just Yeah. the other little side Yeah. diversion really because Yeah. we couldn't secure the finance Yep. and and that property has since sold. So we are still on the market. We're still Yep. looking, Yeah. but that that particular thing sort of prompted us to get into a better position and think about being ready for the next one because we sort of, so I didn't think my wife was really inclined. I've always wanted a a bit of a rural property, but she hasn't. Yeah. Yeah. Yeah.","start_word":1483,"end_word":1573,"sentiment":"neutral","sentiment_score":0.019189978018403053},{"text":"But then when we did a bit of a a weekend stay in that area, it really resonated with her and, yeah, we just happened to find a a a beautiful property.","start_word":1574,"end_word":1605,"sentiment":"positive","sentiment_score":0.5087816715240479},{"text":"So, anyway, that's a little bit of a side note, but Yeah.","start_word":1606,"end_word":1617,"sentiment":"neutral","sentiment_score":0.14664536714553833},{"text":"just just That's sort of set you fantastic.","start_word":1618,"end_word":1625,"sentiment":"positive","sentiment_score":0.5384009480476379},{"text":"up about where our interests are at the moment. Yes. Yeah. Yeah. No. That's absolutely fine. And while you've been sort of going through that, I've just pulled up a report to have a look at, obviously, from January until now. And, yeah, look. It does show that the return is a positive of 1.75%. So, realistically, when you look at January to now, it's not as good when you don't sort of factor in the last few the few months prior to that, and that is because of, obviously, the world generally. It Yes. does show the earnings of the dollar figures over 11,997. So with the ups and downs that we have definitely seen this year in the market and the uncertainty, a lot of it was, you know, with what was happening between Iran and America early on. March and April was really the biggest point where we had those ups and downs where that was mostly Yeah. in the news, and investors are really concerned about that. The other kind of side I'm not sure if I've pointed out last time as well, but the other sort of side that has sort of affected us here in Australia as well is the high inflationary rate.","start_word":1626,"end_word":1834,"sentiment":"neutral","sentiment_score":-0.11913490783351888},{"text":"Because high inflation means that we're looking at higher interest rates, which means that people are less likely to borrow.","start_word":1835,"end_word":1854,"sentiment":"negative","sentiment_score":-0.3600583076477051},{"text":"It does have an effect on bond rates as well.","start_word":1855,"end_word":1864,"sentiment":"neutral","sentiment_score":-0.3288147449493408},{"text":"So that has sort of affected the super on the downside a little bit more.","start_word":1865,"end_word":1879,"sentiment":"negative","sentiment_score":-0.35262203216552734},{"text":"So I completely understand where you're going with that. And at the same time, I just provide the advice. It's up to you to be comfortable with taking it on. If not, we'll just keep reviewing it. When if you are comfortable, let me know.","start_word":1880,"end_word":1924,"sentiment":"neutral","sentiment_score":0.12590105831623075},{"text":"We can always start it again. We can always review it as well. I just want you to end up with the best retirement possible.","start_word":1925,"end_word":1949,"sentiment":"positive","sentiment_score":0.4355419874191284},{"text":"Yeah. Look, And the I know I your the review property was side relatively is good. Sorry. yeah. You're alright. I know your review Yeah. was Yeah. reasonably recent, but just based on what you had said and and and, yeah, again, that Yeah. that whole uncertainty Yeah. with, you know, the Iran Iraq Trump thing, That the the plan forward, as as Yeah. Yep. you documented, it all sounded pretty good. That that really hasn't changed at all, though, has it? No. No. Definitely not. It's No. still That's very still much on. appropriate. Yep. Yeah. Okay. Just because Cool. when we sort of did the the advice, it was also appropriate for what was happening in the market Yep. at that time, Yep. and that definitely hasn't changed as of yet. I do Yep. wanna make sure that we do keep reviewing everything with you and kind of make sure we update things as need be. We've Yeah. also done that investment switch now as well, so it'll be important to keep reviewing that and seeing a lot of that. When you sort of look at the return of the 1% there as well from January, it's also factoring in that advice that we recently did, which did have some investment changes in it. So Yeah. Yep. it it's also factored in the changes in the investment. So I'd like to sort of watch it over the next, you know, three to six months and see where things are tracking. If Yeah. Yeah. we don't see any changes in the market conditions or if your performance isn't doing like what we would like to see, then we can go back to the drawing board. I'll definitely update the advice, reflect on the investments that are in there, and keep sort of working forward to that. Absolutely. Yeah. Yeah. Yeah. Yeah.","start_word":1950,"end_word":2261,"sentiment":"neutral","sentiment_score":0.06192588643767895},{"text":"Cool.","start_word":2262,"end_word":2262,"sentiment":"positive","sentiment_score":0.34411996603012085},{"text":"Yep. Yeah. I totally Yeah. understand. Yeah. It's a very Yeah. difficult market to be, you know, investing in.","start_word":2263,"end_word":2281,"sentiment":"neutral","sentiment_score":-0.10421296954154968},{"text":"You know, Trump seems to have everyone as as, you know, sort of puppets at the moment.","start_word":2282,"end_word":2298,"sentiment":"negative","sentiment_score":-0.33537977933883667},{"text":"Yeah. You don't know what he's gonna do one day to the next. So Oh, it it's can have insane, a huge isn't impact, it? obviously. And Yeah. even our own current Yeah. government are behaving Yeah.","start_word":2299,"end_word":2335,"sentiment":"neutral","sentiment_score":-0.2752363979816437},{"text":"cruelly at the moment.","start_word":2336,"end_word":2339,"sentiment":"negative","sentiment_score":-0.374133437871933},{"text":"So yeah. Yeah. Those changes that this came through are quite interesting. I I had to spend the last couple of weeks going through and pulling the legislation apart and really understanding it because you got you just so sorry. You said you wanted to look at investing in a property as well. You Yeah. still do you still wanna do that moving forward? Is that still kind of what you're still looking at doing? Yeah. Well, as we speak, we're sort of waiting to hear back from the real estate agent that's taking care of a father in law's property because Yep. we have had well, one particular interest, and he's made three subsequent offers. So we're hoping that Yes. he's actually accepted today or or tomorrow or whatever. So we're hoping that that sale will be completed, you Okay. know, in in the next week or so. Yeah. So in saying that, I just wanted to while we don't drift away or I don't drift away from remembering, I'll probably Yeah. start with the increases on those additional contributions, I'll I'll organize that at my end probably this week. So Yep. Yeah. That's fine. now that we've got some Let certainty me well, it appears as the house might be sold, so Yep.","start_word":2340,"end_word":2554,"sentiment":"neutral","sentiment_score":0.046492387952153075},{"text":"we will have that money coming in.","start_word":2555,"end_word":2561,"sentiment":"positive","sentiment_score":0.3986735939979553},{"text":"So I feel a little bit better about, you know, committing Yeah. my weekly bit of my Yeah. weekly wage to those additional payments. So Yep.","start_word":2562,"end_word":2587,"sentiment":"neutral","sentiment_score":0.26804494857788086},{"text":"we'll I'll get that aspect of of this investment strategy in action, finally.","start_word":2588,"end_word":2600,"sentiment":"positive","sentiment_score":0.400247186422348},{"text":"Yes. And then, yeah, I guess the second part is, yeah, we will be having some cash income come in. And, yeah, I think we're still gonna be looking avidly for a for a property Yes. to Yes. to buy. What we would be looking at is actually to go and live in that property and then rent Okay. this one out. So Yes.","start_word":2601,"end_word":2664,"sentiment":"neutral","sentiment_score":0.14970779418945312},{"text":"Perfect. ideally.","start_word":2665,"end_word":2666,"sentiment":"positive","sentiment_score":0.39003127813339233},{"text":"Yep.","start_word":2667,"end_word":2667,"sentiment":"neutral","sentiment_score":0.2939693331718445},{"text":"Perfect.","start_word":2668,"end_word":2668,"sentiment":"positive","sentiment_score":0.4225030839443207},{"text":"We'll see if it's possible. Everything's so bloody expensive, so I don't know. It is. It is. Have you guys talked about what the goal is with the property moving forward? So if you're going to live in the new property and rent the one your current home out, are Yep. you sort of looking to just hold on to that into retire and continue to pay it down and then draw income from that? Or Yeah. Well, look, as it is, mhmm. I've we've got, say, about a 150,000 left on the loan here, Yep. but I've we've actually got a 150,000 in the offset account against it. So we can that cancels that out completely. So and Yep. then we've got a 150,000 cash savings, and we're expecting about 350,000 as our share of the inheritance of this house sale. So that'll give us $500,000 cash and Yeah. effectively no loan. Not not will be debt debt free and have Yes. $500,000 cash. So, Yep.","start_word":2669,"end_word":2835,"sentiment":"neutral","sentiment_score":-0.001139637890054348},{"text":"yeah, that's that's what we've we've got moving forward to to secure a small rural acreage. Fantastic. And the house that we live in here is sort of our forever home.","start_word":2836,"end_word":2866,"sentiment":"positive","sentiment_score":0.4958054721355438},{"text":"Mhmm. Yep. It would actually bring probably around well, the real estate agent just said, you know, up to possibly $1,300 a week because it's Wow.","start_word":2867,"end_word":2892,"sentiment":"neutral","sentiment_score":0.1521153301000595},{"text":"quite a nice house.","start_word":2893,"end_word":2896,"sentiment":"positive","sentiment_score":0.7009112238883972},{"text":"Yeah. Yeah. Yeah. Well, it's about a $2,000,000 home, 2,200,000 that we've we've we've got here. So we've got good borrowing capacity. It was really Yep. just about servicing the sort of that's why the banks wouldn't really give us the money because we're at the very threshold of and I'm sort of thankful now that, you know, it looks like interest rates are gonna go up another quarter next week or something. But anyway, Yeah. the banks would lend us the money. It was just the servicing that was gonna be hard because the properties that we're looking at are $2,000,000. Yeah. Yeah. And we hadn't and we didn't have the $500,000 cash on us Yep. because we you know, Terry's father's house hadn't sold. So Yep. all a little bit premature, unfortunately, for the ideal property to to come up and present itself, but it got us thinking about what we really want. So, Yep. Absolutely. yeah, we still wanna pursue with that with that plan, that that goal. Yep. Yep. And as I said, it's it's sort of becoming a reality reality now that it looks like the house is sold and we'll actually have some cash. And Yep. I was thinking I'd probably I mean, I might be jumping ahead because I was gonna talk to you about this as after it Yeah. happened. But That's the the cash is coming in and so we'll have that $500,000 cash. I was just thinking of putting in a return deposit because you can get, like, about five and a half percent. right. Absolutely.","start_word":2897,"end_word":3162,"sentiment":"neutral","sentiment_score":0.06819046288728714},{"text":"That's a sick just a Yeah.","start_word":3163,"end_word":3168,"sentiment":"negative","sentiment_score":-0.6256130337715149},{"text":"six month one, Yep. and you can access it if you want to anyway, really. Yep. Yep. So I was Yeah. thinking just because we're in this period of of keen on buying a rural property because it is Yeah. a bit of a buyer's market at the moment. Yep. So, Yep. you know, I'm sort of hoping that something presents itself in the next six months. So Yes. I thought for the interim rather than thinking long term, you know, do I put more into super as lump sums and things like Yep. that?","start_word":3169,"end_word":3263,"sentiment":"neutral","sentiment_score":0.11333685368299484},{"text":"And that just a peace of mind, security, and getting some form of return Mhmm.","start_word":3264,"end_word":3278,"sentiment":"positive","sentiment_score":0.3771381974220276},{"text":"that you can Yep. get five and a half percent in a term deposit, Yeah. just maybe do that. On Absolutely. face value, do you think that sounds okay?","start_word":3279,"end_word":3307,"sentiment":"neutral","sentiment_score":0.1683444082736969},{"text":"It absolutely does.","start_word":3308,"end_word":3310,"sentiment":"positive","sentiment_score":0.37826818227767944},{"text":"It's kind of what I would sort of say in the shorter term because I would never wanna invest money in, say, the share market that you're wanting to use generally in the next three years. Uh-huh. If you we generally don't like to invest money in the shorter term because the Yep. markets are so up and down, so volatile that you do risk wanting to access that money in the short term at a down point, and this Yeah. year's kinda showing us that. So Mhmm. Yep. I would never invest money that you're planning to access in the next three years. I would Cool. try to hold that off. A term deposit sounds great or even a high interest savings account. Mhmm. Just sort of have a look around at some of the Yeah. the Yeah. best Yeah. I ones definitely out will. there. Yep. Generally speaking, if there is a lot of lending going on as well, your bank might be more willing to come to the party. So shop around for term deposit Yeah. rates, That's right. and then Yeah. let your bank know that you've got this. These are some of the rates on offer for the amount of money that you've got. Are they willing to come to the party? And Yep. they can, you know, try to get exemptions and try to get, you know, better rates for you as well to try and get the best Yeah. rate possible.","start_word":3311,"end_word":3558,"sentiment":"neutral","sentiment_score":0.025848514288701416},{"text":"So Yeah. definitely Good shop advice.","start_word":3559,"end_word":3564,"sentiment":"positive","sentiment_score":0.47380152344703674},{"text":"around. Yeah. It's something I used to be a banker, so I do remember doing that quite a lot. And Yeah. when Right. there is a bit of lending going on, so because we are sort of coming into a bit of a buyer's market with as much as interest rates are still quite high, there is still a lot of buying going on. The real estate agents I've been talking to haven't slowed down in any way, shape, or form. And I actually was talking to one recently, you know, asking about with the new changes to negative gearing and CGT, are they finding that investors are backing off? And they said no because investors Wow. still want growth. And investors are likely to hold on to a property in the short term anywhere, you know, between five to ten years to get the growth that they're after and then flip it, sell it off again. And with the way the new laws work, I had a look, and I didn't like it to begin with. But then after kind of pulling it apart, I can see some advantages to it You're right. where like, if the property is negatively good, as an example, you know, you've got income coming in off the property of $20,000 for the year, but your expenses are $40,000 for the year. Say you hold on to that property for ten years. Essentially, each tax time, they'll let you utilize out of the expenditure. They'll they'll mutually get a property. So they'll let you account for $20,000 of the expenses. That extra $20,000 of expenditure, which would normally offset your income, then sits as a future loss, and it's carried forward indefinitely. So then if you hold that property for, say, ten years and you then sell it off and have, you know, a $500,000 CGT, they let you then carry those losses forward indefinitely and build them up to offset the capital gain at the very end.","start_word":3565,"end_word":3898,"sentiment":"neutral","sentiment_score":0.027176721021533012},{"text":"So down the track, it could have a much greater benefit rather than offsetting it on a yearly Yeah.","start_word":3899,"end_word":3917,"sentiment":"positive","sentiment_score":0.34370630979537964},{"text":"Right. Okay. basis. Yeah. Yeah. Yeah. Yeah. They certainly don't you know, or haven't explained that publicly, you know, that Yeah. aspect of it. You know, you really need a professional like yourself to Yeah. to unravel that and and say, Yeah. well, that is a benefit. You know? Yeah. Yeah. Yeah. Not Okay. technically not not the best benefit out there because sometimes you sort of when we are higher income earners now, we kind of wanna try to offset as much of that income as possible. But I can sort of also see, you know, the reasoning behind doing it. So one of the other aspects is a lot of people buy property solely to negative gear the property. And one of the biggest things that a lot of people don't realize or don't take into account is that you actually can't enter a scheme. Under the tax act, you can't just enter a scheme for the sole purpose of reducing tax. It's section four a of the income tax assessment act 1936 and 1997. And it basically states exactly that. And if the say the ATO was to provide an audit and go back over tax returns and look at what was actually being, you know, declared, if they, for any reason, found that you had bought that property solely to negative gear, solely to enter a scheme for the purpose of reducing tax, It's seen as a tax avoidance, and they can Yeah. actually Yeah. go back. Yeah. Right. And then all the benefits you've gotten, remove them and make you pay back that tax. So it is Yeah. I can see why they've done it. I don't always like it because I'm an investor. I have a property that I negatively Yeah. gear, and I have done for three years now. But No. That's I didn't fine. buy that property too negatively gear. I bought that for my kids to live in. I just made it cheap Yep. enough for them to live in so that it was negatively geared. Yeah. Yeah. Yeah. Perfect. Yeah. But I can I can see both sides of the aspect, and I can see where it's a benefit, but also a downside and a negative there? Well, So I mean, yeah. me too. And I can sort of agree with Yeah. that that, you know, like, for those high income earners that avoid Yeah. tax and know all the loopholes to to achieve that. You know, my wife and I, Yeah. we are. We're we're not high income earners at all. And like you, all we wanted was investment property to, you know, self fund our retirement rather than, Absolutely. you know, be it be it be a burden on the on the government's, you know, Yes. so called pension system if it still exists Yeah. in a couple of years' time. So Yeah. all that's all we were looking That's for. it. It wasn't really any tax No. evasion or or Yeah. certainly we wanted any benefits that we could get from it, but, like, it wasn't. Yeah. That's certainly not the purpose. But anyway yeah. No. Okay. So No. it's a difficult one to enforce sort of It is. generically. So yeah. It is. Not that I wanna And give I the may government any credit, but no. No. Look. I'm with you there.","start_word":3918,"end_word":4484,"sentiment":"neutral","sentiment_score":-0.10780189407092554},{"text":"I was staunch against this, and then I pulled the legislation apart.","start_word":4485,"end_word":4496,"sentiment":"negative","sentiment_score":-0.3839576840400696},{"text":"I was like, look. I can see the benefits.","start_word":4497,"end_word":4505,"sentiment":"neutral","sentiment_score":-0.16184478998184204},{"text":"I don't fully hate this system, but I don't necessarily like it.","start_word":4506,"end_word":4517,"sentiment":"negative","sentiment_score":-0.4107264280319214},{"text":"And I can see where it is an advantage and a disadvantage. And I do I do think it would it is going to provide a disadvantage to mom and dad investors who are just trying to buy a property to, you know, help build on to help with the super or to, you know, utilize or to build wealth for their kids and things like that, Yeah. That's right. there are definitely going to be disadvantages to the system, but it also could change. We you know, it passed, because the grains backed it. Yeah. And Yeah. Yeah. in Yeah. Yeah. order for it to back, they also had changes to self made super funds and lending within that aspect as well. So there was a lot of willing and dealing to get that through parliament. I know when it first was put in the budget on the May 12, we all came in the next day and sat there and went, well, what what is going on? Where is this coming from, and what is going to happen? And even the accounts I was talking to was shocked. They were like, this is going to make life very, very difficult, Yeah. but You guys have I really think had your work cut out for you, like, you it's know, been fun. adapting and understanding all these massive changes. Yeah.","start_word":4518,"end_word":4748,"sentiment":"neutral","sentiment_score":-0.1380458411748533},{"text":"It's been a lot of fun. It's a good thing I enjoy reading.","start_word":4749,"end_word":4761,"sentiment":"positive","sentiment_score":0.6721934676170349},{"text":"Well, you can have it. You know, Thank as I you. say, like, I've always valued talking to you because it's just way beyond me. I just, yeah, Thanks. I just get Yeah. flustered and overwhelmed and then cranky, and I Yeah. don't even understand the complexities Yeah. of it by by Yeah. any means. So it's a credit Thank you. Well, I'm always here if you ever need anything or have any questions to or you hear something that's just concerning, you can shoot me an email, give me a call. I do take a lot of calls off the cuff as well, so I don't book up my day crazy. you. I generally have about five to six calls a day. And then in between that, if someone calls and then needs me, I will always take the call, or I'll if I'm on the phone, I'll call back straight away. So, you know, if you need anything, have any questions, you hear something that's concerning, or you're just not sure, or you want me to read something and pull it apart for you, just let me know.","start_word":4762,"end_word":4951,"sentiment":"neutral","sentiment_score":0.058536119759082794},{"text":"I'm here to help you, Awesome.","start_word":4952,"end_word":4957,"sentiment":"positive","sentiment_score":0.347750723361969},{"text":"and I'll definitely No. do Thanks, that for Dana. you. Not an Yeah. issue. Yeah. That's All good. cool. Yeah. Well, for now, All I think good.","start_word":4958,"end_word":4984,"sentiment":"neutral","sentiment_score":0.11634532362222672},{"text":"it's good. I'll as I said, I'll just I'll up my contributions, like, what like Yep.","start_word":4985,"end_word":5000,"sentiment":"positive","sentiment_score":0.4297267496585846},{"text":"what was in the the forward plan. Yep. And hopefully, we'll sell the father in law's house, and Yep. we might Yep. get some cash. I might definitely take you up on that and just confirm things before I go ahead and, you know, I might take five seconds of your time just to Yes. reassure Absolutely.","start_word":5001,"end_word":5057,"sentiment":"neutral","sentiment_score":0.26084303855895996},{"text":"me that I'm doing the right thing for now.","start_word":5058,"end_word":5066,"sentiment":"positive","sentiment_score":0.4112703800201416},{"text":"But, yeah, Yeah.","start_word":5067,"end_word":5069,"sentiment":"neutral","sentiment_score":0.15860497951507568},{"text":"Absolutely. definitely, if we broach the the or find a property to invest in, I'll I'll definitely be having some more meaningful Yep.","start_word":5070,"end_word":5092,"sentiment":"positive","sentiment_score":0.3725683391094208},{"text":"conversations with you just to make sure that we Absolutely. structure things On the right. right track. Yeah. Correct. Yeah. Yep. Yeah.","start_word":5093,"end_word":5114,"sentiment":"neutral","sentiment_score":0.21654869616031647},{"text":"Definitely.","start_word":5115,"end_word":5115,"sentiment":"positive","sentiment_score":0.4403268098831177},{"text":"And moving forward, you know, once you get the property, we'll look at that as part of your overall retirement aspect as well. Yeah. So Yeah. if you Yeah. are hoping to keep that in retirement and keep the income to supplement super, it does mean you can take less from your super to you know, which means Yeah. longevity for super is much greater. It does affect the overall Centrelink aspect, which means you may not be eligible for Centrelink down the track. But there's other things that I can do. We have ways of sheltering money, if we Yep.","start_word":5116,"end_word":5216,"sentiment":"neutral","sentiment_score":0.07306873798370361},{"text":"can, and, Nice. you know, we can look at what else what else we can do out there.","start_word":5217,"end_word":5234,"sentiment":"positive","sentiment_score":0.360017865896225},{"text":"And if, you know, your wife is comfortable, we can look at everything as a whole as a family. So, Yeah. That'd it be doesn't really good because, stop us. you know, just in some of the conversations, we we went to, like, three different brokers to to to see the feasibility of of getting this property. Yeah. And I guess, like, the three of them all bought something a little bit differently. I mean, they were consistently the same sort of Yep. method of going out and and acquiring loans through different methods. Yep.","start_word":5235,"end_word":5329,"sentiment":"neutral","sentiment_score":0.011054500937461851},{"text":"I guess we didn't really progress much further because, you know, it wasn't well, on face value, I guess it wasn't really plausible or was a bit of an overstretch.","start_word":5330,"end_word":5359,"sentiment":"negative","sentiment_score":-0.3346262574195862},{"text":"So the advice was not to pretty pretty much proceed. So Yes. we didn't get into the nitty gritty detail, but, you know, from our conversations, you know, there's different ways of structuring things or Yeah. so that's that's the bit I I I feel like, you know, definitely professional input is required, and I would definitely Yep. be, like, trying to get a second professional independent opinion, you know, as opposed to whatever the brokers say. I I want that validated Yeah. through you. So Yeah. Yeah. yeah.","start_word":5360,"end_word":5448,"sentiment":"neutral","sentiment_score":0.06846089661121368},{"text":"Again, just wanna be do things like the the the best way possible for us. So you even just alluded to the fact that that's exactly what you would do. So Yes. Yep. yeah. Yep. Now I look forward to that conversation because that means things are going well for us. Yeah. Absolutely. Definitely.","start_word":5449,"end_word":5502,"sentiment":"positive","sentiment_score":0.48189565539360046},{"text":"No.","start_word":5503,"end_word":5503,"sentiment":"neutral","sentiment_score":0.23723043501377103},{"text":"Perfect. Well, I definitely wanna make sure.","start_word":5504,"end_word":5510,"sentiment":"positive","sentiment_score":0.3529016375541687},{"text":"And Samantha's got you in the calendar to make sure that we touch base in three months again to to Awesome. catch up and see how things are going, re you know, redouble check Yeah.","start_word":5511,"end_word":5545,"sentiment":"neutral","sentiment_score":0.2868330478668213},{"text":"what's happening with super, Fantastic. see how things are changing in your life. Appreciate And that.","start_word":5546,"end_word":5561,"sentiment":"positive","sentiment_score":0.6002393960952759},{"text":"if anything comes up in the meantime, don't hesitate. You don't have to wait for I'll that three reach months. out If you there. in a Thank month or you. two's time, go, Dana, I need some extra help now, I will always make time so you're not limited.","start_word":5562,"end_word":5610,"sentiment":"neutral","sentiment_score":0.14870387315750122},{"text":"Awesome.","start_word":5611,"end_word":5611,"sentiment":"positive","sentiment_score":0.5718764066696167},{"text":"Okay. In in that path there, we do still have your ongoing service agreement for the next twelve months. If you're happy to stay on board, I'll get you to sign and return that one back. And this Okay. is the ongoing service fee of 1.65%, which is deducted year so that's yearly. It's deducted a smaller monthly income instead of your super for my services, looking after everything, and continuously updating the advice there for you. Okay?","start_word":5612,"end_word":5689,"sentiment":"neutral","sentiment_score":0.12857614362087005},{"text":"Perfect. No worries. Excellent. Sounds great. All good.","start_word":5690,"end_word":5697,"sentiment":"positive","sentiment_score":0.6024370193481445},{"text":"I just wanted to really quick double check. Income wise, has anything changed? You're still on 90,000. Have you had any increases Just there at all? just we just but both my wife and I, because we both work for the local council, Yeah. we we just got a 4% pay rise, Oh, which is fantastic. through the award. It's not through being great Yep. workers. It's just been Oh, a state you award deserve increase. it anyway. Well, I think so. But yeah. So I'm not a 100% sure what That's okay. the growth annual, but you can work that out. But, Yep. yeah, it's only a Absolutely. very slight increase. But and we'll place it. Yeah. Absolutely.","start_word":5698,"end_word":5816,"sentiment":"neutral","sentiment_score":0.04383164271712303},{"text":"All good.","start_word":5817,"end_word":5818,"sentiment":"positive","sentiment_score":0.3374510705471039},{"text":"We had down here that you were expenditure wise was around about sort of 3 to 4,000 mark on a monthly basis. Has that kind of increased recently, No. We're or pretty is it still fairly accurate? we're cost of living. Yeah. Look, Yeah. possibly. I've because I pay everything just out of the one credit card, I just look at the bills as as they're sort of paid, and it's Yep. consistent. But sometimes they're they're they're more, you know, I might have house and content insurance. So I just received Yep. that today. It's like, you know, $3,100 for house insurance. So, you know, the next statement's gonna be obviously a lot more. But Yeah. Yes. I generally know that our living general living costs, Yep. you know, are probably, you know, probably closer to the four mark, I Yep. I would say, on average. But Yep. as I said, occasionally, you get one and it's, like, 7. You go, what? Yeah. But there might have been oh, Yeah. no. I've got three cars, a motorbike, and all you know, lots of toys that are expensive just to to keep. So yeah. But yeah. No. Generally, I I feel like if anyone was to audit me, I think the cost of, you know, our general cost Yep. would be around about the Is four that k the mark. So same? Yep. Yeah. Absolutely. Not a but problem. I didn't Okay. yeah. I didn't just Yeah. wanna briefly mention I meant Yeah. to mention earlier, like, when we do look at potentially oh, we'll cross this bridge when it happens, I guess. But it was just that we've got a potentially oh, we'll cross this bridge when it happens, Yeah. I guess. But it was just that we've got our our daughter who still lives at home. She's 23. I don't think she's gonna go anywhere probably for the next ten years, but Yeah.","start_word":5819,"end_word":6143,"sentiment":"neutral","sentiment_score":-0.02577478586481168},{"text":"Yeah. we're happy to have her. She's a joy. She's she's she's a great person.","start_word":6144,"end_word":6158,"sentiment":"positive","sentiment_score":0.7328492403030396},{"text":"So we don't Yeah. want her to go anywhere. But we were thinking if there was any possibility of of getting her in to the market. Like, when we go to purchase, if there's some way of, like, not using her. That does not that doesn't sound very good. You But, mean like, incorporating just, her into the loan? Or yeah. Yeah. Yeah. That's a Yeah. better word. Yeah. Yeah. Yeah. Yeah. So No. Look. There there honestly is. You can. Just make sure as long as she's got income coming in, she can be added into the serviceability, and that kinda works in your favor as well. Because Yeah. with her living at home, depending on the lender and the lender's criteria, she may be seen as more of a dependent, which means you may be serviced on her being a dependent, which costs you more money and Yep. does actually affect your servicing. If Yeah. you were to incorporate her into the loan, she gets a bit of a she gets assessed as part of the loan as a borrower. It means that she's also liable for part of the loan, but it means that she gets a bit of a step into the market. She has borrowing you know, she has part of the the property. She's got some of the assets Mhmm. there, and it also means that she's assessed as a a single person. And you're not assessed as yeah. She's not assessed as your dependent, essentially. So it Yeah. can Yeah. help your Yeah. assessment Right. to do Okay. so. As long as she's earning income and it can be assessed, they will wanna scan her bank statements the same as yours Yep. and just sort of making sure that that works in with your goals as well. So just maybe have that chat to her and be like, look. If this happened, this is what we're looking at doing. And then noting that down the track, if she decides to buy a different property, she may wanna buy out may want you to buy her out of that one. She might wanna keep part of that. It Yeah. could be an estate planning thing where you pass that to her in the will anyway. So just Yeah. having that conversation with her, but you absolutely can if she's comfortable Yeah. Right. to do Okay. so. Yep. Yeah. Servicing could definitely it could increase your servicing capacity a little Yeah. bit as Yeah. well. Well, So I I think yeah. one of the brokers may have mentioned it, but I was really Yeah. absolutely just said in a sentence over the phone. So I didn't engage in that Yeah. aspect of it, but I just realized for a bit hanging on the phone. So Yeah. we'll definitely look into that in more detail when the Beautiful.","start_word":6159,"end_word":6640,"sentiment":"neutral","sentiment_score":0.02739675369314633},{"text":"time comes, but now that's good Absolutely.","start_word":6641,"end_word":6647,"sentiment":"positive","sentiment_score":0.504862368106842},{"text":"to know. It could Yeah. definitely give her a leg up too because if she starts with you guys, she's assessed as having part of the loan or part of the ownership at the property. But then later on down the track, if she's then wanting to buy another property, whether it be her main primary residence or an investment property down the track, she's already got one well, part of one property there. So they can assess her part of the the property, you know, to to help her buy more. She's got an asset that can be Yeah. part Yeah. securitized. But Yeah. yeah. Well, she's got Yeah. to do the part time job. She's still sort of finishing a TAFE conservation management diploma. Yep. She did start uni, but she's not too sure that that's what she wanted to pursue. So she did a year and a half of uni and then just went, look, Yeah. I don't wanna rack up a, you know, $80,000 hex debt. So she Yeah. dropped out of that, but took it up and is finishing it at TAFE, which is Yep.","start_word":6648,"end_word":6837,"sentiment":"neutral","sentiment_score":0.061031852113573176},{"text":"good. I think that's pretty smart.","start_word":6838,"end_word":6843,"sentiment":"positive","sentiment_score":0.4904423654079437},{"text":"If she's That's not sure what a little she wants bit. to do, but she's just got a part time job that she's had for the last couple of years at the local general Yep. store down the road, but she's an Yeah. avid saver. She's she's Oh, really good with her money.","start_word":6844,"end_word":6896,"sentiment":"neutral","sentiment_score":0.08315759152173996},{"text":"love that.","start_word":6897,"end_word":6898,"sentiment":"positive","sentiment_score":0.39247915148735046},{"text":"So I Woman think to the bank my own would heart. be happy. Yeah. Yeah. It's yeah.","start_word":6899,"end_word":6915,"sentiment":"neutral","sentiment_score":0.17286837100982666},{"text":"I'm pretty proud of her with Yeah.","start_word":6916,"end_word":6922,"sentiment":"positive","sentiment_score":0.3626958131790161},{"text":"her money Yeah. sense. She's very good, very frugal without being Oh, good. miserable. You know, she's Yes.","start_word":6923,"end_word":6940,"sentiment":"neutral","sentiment_score":0.14293286204338074},{"text":"she's, yeah, really wise with her money, which is good.","start_word":6941,"end_word":6950,"sentiment":"positive","sentiment_score":0.3773699104785919},{"text":"Yeah.","start_word":6951,"end_word":6951,"sentiment":"neutral","sentiment_score":0.21603432297706604},{"text":"Oh, that's I fantastic.","start_word":6952,"end_word":6955,"sentiment":"positive","sentiment_score":0.4742425084114074},{"text":"don't know how Yeah. a co investing will would affect or whether she'd be still able to claim any first time buyers kind of thing. But again, we can deal with that kind of detail when the Yeah. time comes. Yeah. I don't wanna bog The you mortgage down with any brokers of that now. would be that's okay. The mortgage brokers would be the best ones to sort of look at doing that. Okay. I believe don't quote me on it because it can change depending on the lender and the rules, but I believe Mhmm. she can access Mhmm. that. I think, though, if I'm thinking, though, if, let me double check it because she can as a first home buyer, but I'm not sure if it then goes on if she goes into, like, a co loan with you guys or not. I can have a look for you.","start_word":6956,"end_word":7107,"sentiment":"neutral","sentiment_score":0.015322884558516213},{"text":"That's good. I appreciate it.","start_word":7108,"end_word":7112,"sentiment":"positive","sentiment_score":0.6628668308258057},{"text":"As I said, it was just That's while okay. I I was sort of thinking out loud, I didn't mean to, like, sidetrack the conversation or anything like that. No. You're When absolutely you bought the house fine. for your kids, did you in involve or is it just a purely an in in your name? Yeah. It it is just purely in my name or mine Okay. and my husband's Yeah. name for us Sure. just because as much as our daughters are 19 and 20 now, it was more just to help them. So one of my daughter's boyfriends moved over from WA, and my house is too small to have everyone in it. So Yeah. we sort of went, well, we'll buy this. It's our kind of retirement plan as well, but Yeah. we'll let No. you It's guys fine. pay a little bit of rent to give you a little Yep. bit of growth outside of the home, Beautiful. and let you work out, you know, how to become adults that is still within the safety of something we own and control and help Yeah. Yeah. with. Half So, your life. Yeah. Yeah.","start_word":7113,"end_word":7309,"sentiment":"neutral","sentiment_score":0.01817329227924347},{"text":"It's a perfect setup. That's yeah. what we would have loved to have done.","start_word":7310,"end_word":7323,"sentiment":"positive","sentiment_score":0.4672774076461792},{"text":"Yeah. It hasn't quite worked out the same, but yeah. Yeah. So It's saying here. So it's telling me that some states may allow it, but it depends on the state you're in and the rules at the time on whether it's a new or established home. So when you are just chatting to the mortgage broker about it, get them to double check and see if it's gonna be eligible based on where you look to buy and your circumstances. Yeah. Yeah. Yeah. Yeah. Yeah. That makes sense. That that'd be, you know, certain criteria to yeah. Because, realistically, No. All good. she's eligible for as she's never owned a home before, but it more just comes down to how much of this property is gonna be owned by you guys and how much is owned by her. If it's only a very small amount owned by her, it looks like she may not be eligible to do it. So it might also Yep. come down to how the loan is structured as well. Yeah. Yeah. Yeah. Look, we'd yeah. Yeah. We'd only do it if there was benefits. I mean, you did mention a handful Yeah. of benefits for her in Yeah. the future beyond that. But, yeah, we'll we'll we'll cross that bridge when the time comes. But, no, that's Absolutely.","start_word":7324,"end_word":7547,"sentiment":"neutral","sentiment_score":0.004231667711532542},{"text":"good to know that these things are worth looking at at the time.","start_word":7548,"end_word":7560,"sentiment":"positive","sentiment_score":0.47891944646835327},{"text":"So Yeah. Absolutely. yeah. No. Definitely.","start_word":7561,"end_word":7566,"sentiment":"neutral","sentiment_score":0.16040699183940887},{"text":"Perfect.","start_word":7567,"end_word":7567,"sentiment":"positive","sentiment_score":0.4122629761695862},{"text":"The Alright. only other thing I just wanted to quickly run Yeah. through is just a risk profile questionnaire with you as well. Just making sure you're in that balanced environment. Just making sure that is still appropriate for you. Just with the risk profile questionnaire. So how would you sorta categorize yourself risk wise? Do you consider yourself happy to take on a higher amount of risk to get the best returns you can, a moderate or medium amount of risk to get the pot best possible returns, or a much smaller amount of risk knowing the returns are lower? Where would you sort of categorize yourself in I think I think I've always been on the on the there? safer side of everything. Yes. So I I'm I mean, I love the idea of getting a good return, Yeah. but I'm also not a fan of Yep. making little losses. So Yep. it's Nope. more of that balanced, you know, somewhere in between, I think. Yep. Yep. Yep. No. Absolutely. I've sort of put you at a three kind of in the middle range there at the moment. Happy to take on a a medium or moderate amount of risk to get the best returns you can, but making sure Yeah.","start_word":7568,"end_word":7780,"sentiment":"neutral","sentiment_score":0.07531849410332425},{"text":"you've got a good safety net there as well.","start_word":7781,"end_word":7789,"sentiment":"positive","sentiment_score":0.4169144332408905},{"text":"Yep. Yeah. Yeah. I Yep. that's right. I mean, you know, as it's I'm what I mentioned to you last conversation, you know, there's a couple Yeah. of people around me that are working IT and there's a couple of really savvy, finance oriented, guys in that team that seem to do pretty well. Yeah. But they are high risk takers, you know, like, Yes. they do their own self managed funds and things like that. So Yeah. they're right into it. And, you know, so Yeah. when I sort of turn around, you know, you have a get got a 10% return, they go, oh, I got 18. And, you know, even my own Yeah. sister was bragging the other week.","start_word":7790,"end_word":7911,"sentiment":"neutral","sentiment_score":0.10500865429639816},{"text":"She her super this year got 24%.","start_word":7912,"end_word":7918,"sentiment":"positive","sentiment_score":0.34922805428504944},{"text":"So Wow. yeah. Yeah. She's got my account and guru in Wollongong that, Yeah.","start_word":7919,"end_word":7932,"sentiment":"neutral","sentiment_score":0.14464646577835083},{"text":"yeah, has worked wonders over the last twelve months.","start_word":7933,"end_word":7941,"sentiment":"positive","sentiment_score":0.36217933893203735},{"text":"So anyway, these are all things that but but but they're high risk, obviously. Yeah. So Yes. Yeah. I understand that. So Yeah. yeah. I think I'm I'm I'm a three, what you said. Yep. Yep. No. Absolutely. All good. The next one here is how do you think you'd feel in the next sort of twelve months if the market took a big 20% drop? So if Trump was out there tweeting and say this war got worse and we did God. see a bit Anything's of a possible. downtime. I know. Yeah. And, look, investing in all markets, that is a possibility, but we certainly hope it definitely doesn't. But do you think you'd be feeling cautious, concerned, anxious, or or or optimistic about the opportunities?","start_word":7942,"end_word":8069,"sentiment":"neutral","sentiment_score":-0.1159883588552475},{"text":"Obviously, I don't like seeing a loss, especially as, you know, I'm now in my sixtieth year.","start_word":8070,"end_word":8086,"sentiment":"negative","sentiment_score":-0.4858680069446564},{"text":"59, Yes. approaching 60. So Yeah. the closer I get to retirement, the more it matters. Yep.","start_word":8087,"end_word":8103,"sentiment":"neutral","sentiment_score":0.07645876705646515},{"text":"And, obviously, as we're getting it, you know, a much better, more healthy balance in there Yep. yeah. And, you know, I'd love to retire, you know, five years ago.","start_word":8104,"end_word":8133,"sentiment":"positive","sentiment_score":0.4116353988647461},{"text":"So Yeah. any any loss is is sort of met with appointment, obviously. Yep. Yeah. I don't know. I don't know what else I can say, really. Nope. That's fine. Yeah.","start_word":8134,"end_word":8164,"sentiment":"neutral","sentiment_score":-0.1200704574584961},{"text":"I've got you down here as being quite concerned about it. You'd be, you know, very, very stressed out, maybe giving us a call and going when is this supposed to come back and, you know, how bad is it likely to get.","start_word":8165,"end_word":8207,"sentiment":"negative","sentiment_score":-0.4813953936100006},{"text":"So I did put you down as a bit of a a three there being quite concerned. Am I on Yeah. the right track with And that I still? guess, you know, in the big picture of things, especially just getting this bit of Harrison's up, like, I'm feeling more secure. You know, we own our home now Yep. outright. We get free Mhmm. effectively. You never get a little bit of cash, and we're always in a good position where we're looking for another property Yep.","start_word":8208,"end_word":8294,"sentiment":"neutral","sentiment_score":0.14164094626903534},{"text":"very well, you know, pretty pretty secure.","start_word":8295,"end_word":8301,"sentiment":"positive","sentiment_score":0.5220963358879089},{"text":"So Yep.","start_word":8302,"end_word":8303,"sentiment":"neutral","sentiment_score":-0.002199290320277214},{"text":"really, what, you know, a 20% loss on on this, is it really gonna stress me out? Really, it probably shouldn't.","start_word":8304,"end_word":8324,"sentiment":"negative","sentiment_score":-0.4537698030471802},{"text":"You know what But I mean? understandable But that it can. Yeah. Yeah. yeah. Yep. So I No. yeah.","start_word":8325,"end_word":8343,"sentiment":"neutral","sentiment_score":-0.1795901358127594},{"text":"That's I don't fine.","start_word":8344,"end_word":8347,"sentiment":"negative","sentiment_score":-0.372139036655426},{"text":"know.","start_word":8348,"end_word":8348,"sentiment":"neutral","sentiment_score":-0.2901354432106018},{"text":"Maybe I'm not as free on that.","start_word":8349,"end_word":8355,"sentiment":"negative","sentiment_score":-0.4037351608276367},{"text":"I don't know. Maybe That's I should okay. be less I've less concerned and more of a risk taker. I don't know. But I guess the only thing that's making me not commit to being more of a risk taker at the moment is just the volatile market, you know, the crazy comp Yes. and and crazy Albanese Yeah. at the moment. So Yeah. No. Absolutely. yeah. So I think it's probably Yep. wiser to be more on the cautious side at the moment, especially. Yeah. Absolutely. And, look, in all honesty, I've had a lot of conversations with people this year about their risk tolerance, and a lot of people who I've noted in the past couple of years in their fifties who tell me they're high risk and are happy to be in that high growth environment when they see markets like what we have this year, whether it does dip. And in all honesty, the dip we saw around about March and April wasn't more than 3%. It wasn't as large a dip as we have had in the past, but most people felt it pretty drastically because it was everywhere. It was in the news. It was all over the place. Everyone was talking about it, and it was felt. And a lot of people I've spoken to in the past have gone, yeah, I'm high risk. I want the great returns. When they see that, they're ringing going, oh my god.","start_word":8356,"end_word":8601,"sentiment":"neutral","sentiment_score":-0.1344865781020343},{"text":"What is happening?","start_word":8602,"end_word":8604,"sentiment":"negative","sentiment_score":-0.3393973112106323},{"text":"And at that moment, I'm like, I don't really think you're high growth because you have to go through these downtimes to and allow your money to come back. So a Okay. lot of people were tested in a 3% drop to find out whether they really were comfortable taking on high risk. And, I mean, I know people in their thirties and forties who don't wanna be in that high risk environment. And as much Yeah.","start_word":8605,"end_word":8681,"sentiment":"neutral","sentiment_score":-0.25640869140625},{"text":"as they have the time horizon ahead of them, it just makes them very nervous and concerned.","start_word":8682,"end_word":8698,"sentiment":"negative","sentiment_score":-0.3566078245639801},{"text":"And it's got a lot to do with past, you know, past history and how you're feeling in where you are in life. You're you've worked a whole lifetime. You're ready to retire. You're close to it, and you've worked really hard to get the super balance you have. And Yep. super wasn't a thing until the early nineties, That's right. and it's been Yeah. growing gradually, so it started off quite small. So it is very normal to be concerned. I wouldn't want you to be trying to take on more risk than what you're comfortable with because when the downtimes come and everyone feels the downtimes, you know, the idea is being in a balanced portfolio, which is that sixty forty split as opposed to a ninety ten split growth to defensive. You know, as much as you will still feel those down times and see, you know, those down times occur, you won't feel it as big as someone in that high growth environment there. So Yeah.","start_word":8699,"end_word":8868,"sentiment":"neutral","sentiment_score":-0.08847629791673492},{"text":"I would not want you to feel like you have to take on more risk than you need to.","start_word":8869,"end_word":8887,"sentiment":"negative","sentiment_score":-0.3461359143257141},{"text":"There Yeah. are other things we can do to offset the risk by increasing contributions in. When you do get your investment property, you Yeah. Yep. When you do get your investment property and you are earning income, you know, if it's positively geared and the income is more than in what you're essentially spending or, you know, what the expenditure looks like, then there's income tax as a factor as well. So we can always, you know, utilize previous year's contributions if possible or use CapSpace to look at, you know, ways to offset some of that income so you're not paying a lot of Yeah. tax. Yep. And Magic. because you are 59 now, happy birthday, essentially, you are very close to 60. And at 60, there's other strategies we can look at. We can look at that transition retirement Thanks. strategy Yeah. where we can increase your contributions up to the cap every year and put a lot more money into super, but we can also draw a little bit at to supplement your income as well, which gives you the benefit of reducing your taxable income because you're drawing a little bit of money out of super tax free, but you're putting more into super Yeah. Right. to have more Okay. invested.","start_word":8888,"end_word":9103,"sentiment":"neutral","sentiment_score":0.2147902250289917},{"text":"And that's a great strategy to boost over the last couple of years towards that 60 Yeah.","start_word":9104,"end_word":9120,"sentiment":"positive","sentiment_score":0.4169836640357971},{"text":"five Right. age as well. Yeah. Cool.","start_word":9121,"end_word":9127,"sentiment":"neutral","sentiment_score":0.17036579549312592},{"text":"Alright. Excellent. Yeah. Look forward to those conversations also.","start_word":9128,"end_word":9136,"sentiment":"positive","sentiment_score":0.5229718089103699},{"text":"Yeah. Yeah. I know. I get a bit excited Well, when people turn 60. I'm like, yes. Let's do it. They're all like, I'm glad I'm you 60. do. It's not great. And I'm like, yes. It is.","start_word":9137,"end_word":9174,"sentiment":"neutral","sentiment_score":0.06262559443712234},{"text":"It's great. Trust me. 60 is amazing. Well, that's good.","start_word":9175,"end_word":9184,"sentiment":"positive","sentiment_score":0.4544527232646942},{"text":"I'll I'll probably need that, yeah, that that sort of good That hype? energy. Yeah. Yeah. I did I did think of something. It's gone, but that's okay. It wasn't important, That's okay. probably. If it comes Yeah. back, just let me know. It's all good. Easy Yeah. done. Yeah. Will do.","start_word":9185,"end_word":9236,"sentiment":"neutral","sentiment_score":0.08593470603227615},{"text":"Thanks, Beautiful. Dana. Amazing.","start_word":9237,"end_word":9240,"sentiment":"positive","sentiment_score":0.5020103454589844},{"text":"That's okay. Well, you look you are investing correctly. That balanced environment still Alright. definitely That's suits for you. yeah. I'm Yep.","start_word":9241,"end_word":9262,"sentiment":"neutral","sentiment_score":0.20864471793174744},{"text":"happy with that. And if you're happy with that too, yeah, Excellent. Absolutely. that's reassuring.","start_word":9263,"end_word":9277,"sentiment":"positive","sentiment_score":0.4162025153636933},{"text":"I would not wanna be pushing you up any further than where you're comfortable with because as you've said, the ups and downs are there. We've definitely felt them this year, and you are getting closer to that retirement aspect. So let's not push it beyond the bar, and, you know, it's No. great. Some years, you can get those amazing returns too, but I wouldn't wanna be pushing the risk level to get that for you. I'd rather it be more consistent average return that compounds over time and builds gradually Yep. Yeah. That sounds good to me too. I was yeah. Obviously, also an awareness of a couple of articles I've just read in the last month, I guess, two different ones where a couple of those super funds Yeah. went went fast or whatever and, you know, people like myself, you know, that that sort of struggled or whatever and Yeah. have worked really hard and they lost, you know, all or if not, you know, three quarters of A their lot. their super, Yes. which doesn't seem to be regainable through any measure. So I Yep. yeah.","start_word":9278,"end_word":9468,"sentiment":"neutral","sentiment_score":-0.006019099574067986},{"text":"That's pretty daunting that that could have even It happened is.","start_word":9469,"end_word":9479,"sentiment":"negative","sentiment_score":-0.448411226272583},{"text":"at all. Yeah. Pretty So I'm scary. I'm hoping Hub twenty four is secure. Yeah. Well, Hub twenty four is an ASX listed company. So they're on the ASX. They're a public company. They're actually one of the better platforms out there. They're not going anywhere. If by any chance, Hub twenty four did go broke and did, you don't you won't lose your money. So your money is invested Okay. in the managed funds. And if something was Yeah. to happen with Hub twenty four, it would be known well in advance. There would be a problem. There would be, you know, people coming in to sort of either buy the platform or try to, you know, take something over. But if anything was to happen, because your is invested in investments, the platform is just like the vehicle. It just holds it just receives the money and then just allocate it into the investments. But Yeah. your money is still invested in those other investments, and they can be moved to another platform. So Well, this there is are a thing that aspects sort of of security.","start_word":9480,"end_word":9668,"sentiment":"neutral","sentiment_score":-0.12964729964733124},{"text":"confused me about these ones that has gone bust and people have lost their money.","start_word":9669,"end_word":9683,"sentiment":"negative","sentiment_score":-0.4194914996623993},{"text":"I'm sort of going, well, how can that happen? Really, it's really just an investment managing service. Yeah. You know, on for for me, I guess, with Hub twenty four and yourself, it's just really Yep. just investing the the funds. It's not a, you know, it's not a person that you're giving your money to. No. So Correct. yeah. And that's that's probably the biggest thing is some of these older schemes were very differently run. They might are you sort of referring back to, like, the First Guardian types of things? Yeah. That's it. Yeah. I was trying to think Yes. of some of the names Yes. there. Yes. No. Yeah. I've I've I've been trying to get people out of First Guardian myself for a while now.","start_word":9684,"end_word":9813,"sentiment":"neutral","sentiment_score":-0.11142584681510924},{"text":"It's very difficult.","start_word":9814,"end_word":9816,"sentiment":"negative","sentiment_score":-0.3928638398647308},{"text":"But, yeah, they unfortunately, those sorts of investments that wasn't a super fund as such, the First Guardian was an unlisted managed fund. It was a managed fund that was operated on platforms like Netwealth and Macquarie. Hub twenty four, to my understanding, hasn't had access to that, which is a good thing.","start_word":9817,"end_word":9869,"sentiment":"neutral","sentiment_score":-0.12397414445877077},{"text":"But that was a managed fund that advisers and it made it very hard to get out.","start_word":9870,"end_word":9886,"sentiment":"negative","sentiment_score":-0.4939126968383789},{"text":"And other investments that people are struggling to get out of at the moment are also unlisted property, which have certain periods throughout the year where they open up withdrawals, and you can't get your money out in the year where they open up withdrawals, and you can't get your money out in between those withdrawal periods.","start_word":9887,"end_word":9943,"sentiment":"neutral","sentiment_score":-0.21127289533615112},{"text":"So I've unfortunately had a little bit of experience with First Guardian and never recommended anyone to go into it, thankfully, but I have been trying to get people out of it for the past two years, and it has been very, Wow. very difficult to do so.","start_word":9944,"end_word":9991,"sentiment":"negative","sentiment_score":-0.3747437596321106},{"text":"Wow.","start_word":9992,"end_word":9992,"sentiment":"neutral","sentiment_score":-0.28102773427963257},{"text":"People have lost a lot of money, and, unfortunately, It's terrible. the platforms when they like, I think Macquarie and Netwealth are probably the biggest two that have had that kind of an issue. They, unfortunately, were buying or giving people some money back, but it was only a fair value based on how much they had invested in the stock or in the managed fund, and they still came out at a loss. So people will, unfortunately, never see that money again. A lot of people had worked for forty or fifty years and were very close to retirement. It was very, very horrible.","start_word":9993,"end_word":10097,"sentiment":"negative","sentiment_score":-0.3906848430633545},{"text":"But, Yeah. thankfully, what we have you in is ETFs. We do have a property fund, but it is very liquid and very easy to get you out of. We don't hold anything unlisted or really speculative like that. We make sure everything that you're invested in is liquid, can be sold within four weeks, at the very most, but it's Mhmm. easy to sell down if has to be because you don't need to be at anything that you can't get access to. So Yeah. Yeah. Mhmm. Yeah.","start_word":10098,"end_word":10186,"sentiment":"neutral","sentiment_score":0.10120418667793274},{"text":"Well, that's that's reassuring.","start_word":10187,"end_word":10190,"sentiment":"positive","sentiment_score":0.539313018321991},{"text":"Yeah. Yeah. But Yeah. yeah. Yeah. It certainly feels like people that that lost out. That's just shouldn't matter never have been Oh, allowed absolutely. to happen. Yeah. Absolutely.","start_word":10191,"end_word":10219,"sentiment":"neutral","sentiment_score":-0.15698426961898804},{"text":"It is horrifying.","start_word":10220,"end_word":10222,"sentiment":"negative","sentiment_score":-0.5034271478652954},{"text":"Anyway But no. yeah. Oh, good. Well, once again, thanks, Daniel. I've taken That's okay. up more My time pleasure. than we probably anticipated, but I No. really do appreciate it. It's always It's very all good.","start_word":10223,"end_word":10259,"sentiment":"neutral","sentiment_score":0.07844822853803635},{"text":"good and reassuring after I speak to Thank you. So you. Thank you.","start_word":10260,"end_word":10272,"sentiment":"positive","sentiment_score":0.4263471066951752},{"text":"yeah. Yeah.","start_word":10273,"end_word":10274,"sentiment":"neutral","sentiment_score":0.25325655937194824},{"text":"Thanks very much. My pleasure. I'll let you go. You have a lovely night. It's probably dinner time for you.","start_word":10275,"end_word":10294,"sentiment":"positive","sentiment_score":0.619799017906189},{"text":"So you go and Yeah. put I your can feet smell it cooking. up.","start_word":10295,"end_word":10308,"sentiment":"neutral","sentiment_score":0.2406200021505356},{"text":"Thanks very much.","start_word":10309,"end_word":10311,"sentiment":"positive","sentiment_score":0.5759717226028442},{"text":"Alright. My I'll speak pleasure. to if not beforehand, better than three months' time. In three months' time. Absolutely. And when you get a chance, have a look at that email. If there's any questions in Oh, will relation do. to those documents, let me know. Okay.","start_word":10312,"end_word":10358,"sentiment":"neutral","sentiment_score":0.0963829755783081},{"text":"Perfect. Alright. Cheers. All good. Appreciate Thank you, it. Brad. I appreciate Okay. your time. Have a great night. Bye.","start_word":10359,"end_word":10378,"sentiment":"positive","sentiment_score":0.5619988441467285},{"text":"You too. See you.","start_word":10379,"end_word":10382,"sentiment":"neutral","sentiment_score":0.306209534406662},{"text":"Thanks.","start_word":10383,"end_word":10383,"sentiment":"positive","sentiment_score":0.4566691517829895},{"text":"See you later. Bye. Bye.","start_word":10384,"end_word":10388,"sentiment":"neutral","sentiment_score":0.2173105031251907}],"average":{"sentiment":"neutral","sentiment_score":0.025919990803543673}}}}