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Mate, before I jump into a few things, because I was just gonna give you a call about the the Macquarie and the question you had around investment properties, do you mind if I just quickly go through security process with you? Awesome. So because now you are a client of Oakview Financial, we always just like to check. You don't have a security password on file, so I will need to just double check your date of birth and address, please. Yep. Fantastic. Thank you, Jeanette. And I'm registered with ASIC as adviser 12731 05. Awesome. Now, yeah, I was just gonna ask quickly about the Macquarie side of things. I think my colleague, Jack, spoke to you last week just about updating your address. Oh, bit of a bummer. So it may need a phone call, will it? Oh, you do have it there? Fantastic. Happens to the best of us. Yeah. Maybe just ask them as well because sometimes when you submit it online, maybe just take some time to process. So when you call them, they may actually just say, oh, no. We're we're currently in the middle of updating that. So it might just be worth just double checking with them. But most of those super companies, they just identify you, you know, name, date of birth, email address, that type of thing. So it shouldn't be too bad. Awesome. And, Jeanette, while I've got you as well, you did have an inquiry with Jack around investment property. So I just thought I'd give you a bit of a a hand if I can. Yeah. Okay. Oh, yep. Gotcha. No way. I was gonna say $1.98 actually sounds pretty good because last time we checked, it was we were putting it down for about $1.50. So $1.98 actually sounds good, but they said you needed about $2.50 for that loan. Yeah. K. A stamp duty of $12,000. K. I do have some ideas, but you keep going. And when it comes to well, there's a couple of options actually, and that's what I'm just thinking of is your birthday is the April, isn't it? What are the chances that the property is still floating around in May, June, would you say? No. Yeah. Yeah. Right. Yeah. So there's a couple of things that I've gotta kinda let you know, Jeanette, is with let's let's just talk about that option of using the super together as an investment property. So have you heard of the whole, like, self managed super fund type thing before? Yeah. So the I guess the trouble with it in your situation is when you create your own super fund, you've gotta go through the cost of setting up, like, a trust fund and a company. And then to get a loan to get investment property, you need to set up a bear trust and a bear company, so four entities, and then get some advice. And it could be $10,000 out of the super just to set it all up. And then from there, you've gotta run your own super fund with the help of an accountant, of course, and the yearly audits and tax returns and all that fun stuff. And then the trouble that you run into is if you get an established home, because of the rules and legislation around it, you can't improve that property. So if your, you know, door breaks, you can replace the door like for like, but you can't kind of increase the value of it by renovating it, which is, yeah. But there is an alternative though is that as soon as you hit 60, you meet your first condition of release of super, which is while you're still working, you can access up to 10%. So potentially, once you pass 60, you can actually set up a transition pension and pull out 10%, which is for you, you know, $2,025,000 dollars, and that kinda gets you there. But, again, you would set that up after turning 60. So then we're talking May, and then we would do some advice for that. So you'd probably get the funds out by the May if not the June. So if it's still available, fantastic, but that might be the way might be the way to go if it's still available. Yeah. I was going to kind of advise against it because it doesn't seem like it would be beneficial for you. And just all those extra rules, like, the the headache of it on top of the limitations is just gonna be a bit too far, I think. But, I mean, if it's still there in a couple of months' time, that is an alternative. Okay. Yeah. Rather than keep them in there as long term tenants. Yeah. So did the bank tell you that it's possible to get the loan across the line if you did pay that out of pocket stamp duty? And do you actually have the cash available to do that? It'll leave you in a pretty vulnerable position. And you've worked hard to build up that savings. Yeah. Yeah. Exactly. Right. Yeah. Look, it it's one of those things where potentially you could use up your savings to get the loan and then try and get a bit of money out of your super to top up your savings in a couple months time. But it just seems like you're kind of chasing and pushing yourself into a vulnerable position. And for what what kind of benefit is, I guess, the question. So look. That's probably the option or just if it's still around in a couple months time, but it's just a bit unfortunate that you turn 60 a month after their lease ends, and the timing is just the way the timing is. Yeah. I mean, can't can't hurt to have the conversation at least. But I'll I'll note it down on the file that that's kind of something we may be looking at once you meet a condition of release. But at the moment, yeah, it's a bit bit of hands tied behind the back, unfortunately. Yeah. It doesn't sound like your heart's really into it. And, again, yeah, using up his inheritance. But it's You're more worried about him? Yeah. That would have been one thing, but this is another thing entirely. And that's pretty much everything. Yeah. And I'm always happy to discuss the options with you because obviously, there's some things that you can and can't do and there's different pros and cons to everything, but I don't wanna kind of force something if it's gonna be dangerous for you. That's all. Yeah. And we may like, we'll be touching base with you this year as well because once you do hit that preservation age of 60, we may be looking at a bit of a transition strategy anyway. And whether that incorporates the usage of the cash for a deposit, we can certainly talk about that. Yeah. So I might make sure you sort of clocked in for a bit of a quarterly quarterly catch up. And if anything changes around March, April, and you wanna give us a buzz and and book in to have another chat, that'd be fantastic. Awesome, Jay. Anything else I can help you with today? It's certainly interesting one. And just a brief reminder to give Macquarie a call if you do have a second. And just let the team know once that's all sorted, and they can get the finalization of the rollovers done. And then, again, we'll catch up in a couple of months time and see if there's some new things we can do to add a bit of value or if there's some changes and maybe that opportunity is still there. Who knows? You are most welcome, Janet. Absolutely. Absolutely. For the time being, I'll add some notes to your file and plug in for a bit of a catch up, and we'll talk to you soon. Thank you so much. 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Jeanette. Tom here from IT. How are you doing? Great to hear. Great to hear.\n\nOh, no. That's totally fine, Jeanette. Mate, before I jump into a few things, because I was just gonna give you a call about the the Macquarie and the question you had around investment properties, do you mind if I just quickly go through security process with you? Awesome. So because now you are a client of Oakview Financial, we always just like to check.\n\nYou don't have a security password on file, so I will need to just double check your date of birth and address, please. Yep. Fantastic. Thank you, Jeanette. And I'm registered with ASIC as adviser 12731 05.\n\nAwesome. Now, yeah, I was just gonna ask quickly about the Macquarie side of things. I think my colleague, Jack, spoke to you last week just about updating your address. Oh, bit of a bummer. So it may need a phone call, will it?\n\nOh, you do have it there? Fantastic. Happens to the best of us. Yeah. Maybe just ask them as well because sometimes when you submit it online, maybe just take some time to process.\n\nSo when you call them, they may actually just say, oh, no. We're we're currently in the middle of updating that. So it might just be worth just double checking with them. But most of those super companies, they just identify you, you know, name, date of birth, email address, that type of thing. So it shouldn't be too bad.\n\nAwesome. And, Jeanette, while I've got you as well, you did have an inquiry with Jack around investment property. So I just thought I'd give you a bit of a a hand if I can. Yeah. Okay.\n\nOh, yep. Gotcha. No way. I was gonna say $1.98 actually sounds pretty good because last time we checked, it was we were putting it down for about $1.50. So $1.98 actually sounds good, but they said you needed about $2.50 for that loan.\n\nYeah. K. A stamp duty of $12,000. K. I do have some ideas, but you keep going.\n\nAnd when it comes to well, there's a couple of options actually, and that's what I'm just thinking of is your birthday is the April, isn't it? What are the chances that the property is still floating around in May, June, would you say? No. Yeah. Yeah.\n\nRight. Yeah. So there's a couple of things that I've gotta kinda let you know, Jeanette, is with let's let's just talk about that option of using the super together as an investment property. So have you heard of the whole, like, self managed super fund type thing before? Yeah.\n\nSo the I guess the trouble with it in your situation is when you create your own super fund, you've gotta go through the cost of setting up, like, a trust fund and a company. And then to get a loan to get investment property, you need to set up a bear trust and a bear company, so four entities, and then get some advice. And it could be $10,000 out of the super just to set it all up. And then from there, you've gotta run your own super fund with the help of an accountant, of course, and the yearly audits and tax returns and all that fun stuff. And then the trouble that you run into is if you get an established home, because of the rules and legislation around it, you can't improve that property.\n\nSo if your, you know, door breaks, you can replace the door like for like, but you can't kind of increase the value of it by renovating it, which is, yeah. But there is an alternative though is that as soon as you hit 60, you meet your first condition of release of super, which is while you're still working, you can access up to 10%. So potentially, once you pass 60, you can actually set up a transition pension and pull out 10%, which is for you, you know, $2,025,000 dollars, and that kinda gets you there. But, again, you would set that up after turning 60. So then we're talking May, and then we would do some advice for that.\n\nSo you'd probably get the funds out by the May if not the June. So if it's still available, fantastic, but that might be the way might be the way to go if it's still available. Yeah. I was going to kind of advise against it because it doesn't seem like it would be beneficial for you. And just all those extra rules, like, the the headache of it on top of the limitations is just gonna be a bit too far, I think.\n\nBut, I mean, if it's still there in a couple of months' time, that is an alternative. Okay. Yeah. Rather than keep them in there as long term tenants. Yeah.\n\nSo did the bank tell you that it's possible to get the loan across the line if you did pay that out of pocket stamp duty? And do you actually have the cash available to do that? It'll leave you in a pretty vulnerable position. And you've worked hard to build up that savings. Yeah.\n\nYeah. Exactly. Right. Yeah. Look, it it's one of those things where potentially you could use up your savings to get the loan and then try and get a bit of money out of your super to top up your savings in a couple months time.\n\nBut it just seems like you're kind of chasing and pushing yourself into a vulnerable position. And for what what kind of benefit is, I guess, the question. So look. That's probably the option or just if it's still around in a couple months time, but it's just a bit unfortunate that you turn 60 a month after their lease ends, and the timing is just the way the timing is. Yeah.\n\nI mean, can't can't hurt to have the conversation at least. But I'll I'll note it down on the file that that's kind of something we may be looking at once you meet a condition of release. But at the moment, yeah, it's a bit bit of hands tied behind the back, unfortunately. Yeah. It doesn't sound like your heart's really into it.\n\nAnd, again, yeah, using up his inheritance. But it's You're more worried about him? Yeah. That would have been one thing, but this is another thing entirely. And that's pretty much everything.\n\nYeah. And I'm always happy to discuss the options with you because obviously, there's some things that you can and can't do and there's different pros and cons to everything, but I don't wanna kind of force something if it's gonna be dangerous for you. That's all. Yeah. And we may like, we'll be touching base with you this year as well because once you do hit that preservation age of 60, we may be looking at a bit of a transition strategy anyway.\n\nAnd whether that incorporates the usage of the cash for a deposit, we can certainly talk about that. Yeah. So I might make sure you sort of clocked in for a bit of a quarterly quarterly catch up. And if anything changes around March, April, and you wanna give us a buzz and and book in to have another chat, that'd be fantastic. Awesome, Jay.\n\nAnything else I can help you with today? It's certainly interesting one. And just a brief reminder to give Macquarie a call if you do have a second. And just let the team know once that's all sorted, and they can get the finalization of the rollovers done. And then, again, we'll catch up in a couple of months time and see if there's some new things we can do to add a bit of value or if there's some changes and maybe that opportunity is still there.\n\nWho knows? You are most welcome, Janet. Absolutely. Absolutely. For the time being, I'll add some notes to your file and plug in for a bit of a catch up, and we'll talk to you soon.\n\nThank you so much. Have a good day.","paragraphs":[{"sentences":[{"text":"Hi, Jeanette.","start":2.6399999,"end":3.28,"sentiment":"neutral","sentiment_score":0.11810533329844475},{"text":"Tom here from IT.","start":3.28,"end":4.3199997,"sentiment":"neutral","sentiment_score":0.31381600350141525},{"text":"How are you doing?","start":4.3199997,"end":5.14,"sentiment":"neutral","sentiment_score":0.2835334613919258},{"text":"Great to hear.","start":7.52,"end":8.16,"sentiment":"positive","sentiment_score":0.5063780645529429},{"text":"Great to hear.","start":8.16,"end":8.98,"sentiment":"positive","sentiment_score":0.45511770248413086}],"sentiment":"positive","sentiment_score":0.3443809892050922,"num_words":16,"start":2.6399999,"end":8.98},{"sentences":[{"text":"Oh, no.","start":15.455,"end":16.015,"sentiment":"neutral","sentiment_score":-0.06263402849435806},{"text":"That's totally fine, Jeanette.","start":16.015,"end":17.795,"sentiment":"neutral","sentiment_score":0.14486103504896164},{"text":"Mate, before I jump into a few things, because I was just gonna give you a call about the the Macquarie and the question you had around investment properties, do you mind if I just quickly go through security process with you?","start":18.175,"end":27.9,"sentiment":"neutral","sentiment_score":0.0053508799257023},{"text":"Awesome.","start":29.1,"end":29.5,"sentiment":"neutral","sentiment_score":0.22856593132019043},{"text":"So because now you are a client of Oakview Financial, we always just like to check.","start":29.5,"end":34.14,"sentiment":"neutral","sentiment_score":0.0869190776720643}],"sentiment":"neutral","sentiment_score":0.035356680217843786,"num_words":65,"start":15.455,"end":34.14},{"sentences":[{"text":"You don't have a security password on file, so I will need to just double check your date of birth and address, please.","start":34.14,"end":40.239998,"sentiment":"neutral","sentiment_score":0.06280704684879469},{"text":"Yep.","start":43.844997,"end":44.344997,"sentiment":"neutral","sentiment_score":0.034451842308044434},{"text":"Fantastic.","start":47.125,"end":47.625,"sentiment":"positive","sentiment_score":0.44591039419174194},{"text":"Thank you, Jeanette.","start":47.925,"end":48.644997,"sentiment":"positive","sentiment_score":0.4248298108577728},{"text":"And I'm registered with ASIC as adviser 12731 05.","start":48.644997,"end":53.065,"sentiment":"neutral","sentiment_score":0.11575442925095558}],"sentiment":"neutral","sentiment_score":0.1146271245906482,"num_words":37,"start":34.14,"end":53.065},{"sentences":[{"text":"Awesome.","start":54.3,"end":54.78,"sentiment":"neutral","sentiment_score":0.2207147032022476},{"text":"Now, yeah, I was just gonna ask quickly about the Macquarie side of things.","start":54.78,"end":59.18,"sentiment":"neutral","sentiment_score":0.03225030710122415},{"text":"I think my colleague, Jack, spoke to you last week just about updating your address.","start":59.18,"end":63.12,"sentiment":"neutral","sentiment_score":0.0048597116023302075},{"text":"Oh, bit of a bummer.","start":75.595,"end":76.875,"sentiment":"neutral","sentiment_score":-0.10891023278236389},{"text":"So it may need a phone call, will it?","start":76.875,"end":78.72,"sentiment":"neutral","sentiment_score":-0.09316488520966636}],"sentiment":"neutral","sentiment_score":-0.014498192139647224,"num_words":44,"start":54.3,"end":78.72},{"sentences":[{"text":"Oh, you do have it there?","start":94.735,"end":96.115,"sentiment":"neutral","sentiment_score":-0.02101699976871411},{"text":"Fantastic.","start":97.615,"end":98.115,"sentiment":"neutral","sentiment_score":0.2568431794643402},{"text":"Happens to the best of us.","start":101.935,"end":103.475,"sentiment":"neutral","sentiment_score":0.13517434149980545},{"text":"Yeah.","start":109.82,"end":110.14,"sentiment":"neutral","sentiment_score":0.005830097943544388},{"text":"Maybe just ask them as well because sometimes when you submit it online, maybe just take some time to process.","start":110.14,"end":115.755,"sentiment":"neutral","sentiment_score":-0.018088081479072572}],"sentiment":"neutral","sentiment_score":0.017231049947440624,"num_words":34,"start":94.735,"end":115.755},{"sentences":[{"text":"So when you call them, they may actually just say, oh, no.","start":115.755,"end":117.91499,"sentiment":"neutral","sentiment_score":-0.02473675242314736},{"text":"We're we're currently in the middle of updating that.","start":117.91499,"end":119.994995,"sentiment":"neutral","sentiment_score":-0.031051193674405415},{"text":"So it might just be worth just double checking with them.","start":119.994995,"end":122.475,"sentiment":"neutral","sentiment_score":-0.021633099933916874},{"text":"But most of those super companies, they just identify you, you know, name, date of birth, email address, that type of thing.","start":122.475,"end":128.715,"sentiment":"neutral","sentiment_score":0.014222830957309767},{"text":"So it shouldn't be too bad.","start":128.715,"end":130.415,"sentiment":"neutral","sentiment_score":0.04749906932314237}],"sentiment":"neutral","sentiment_score":-0.0036061529070138933,"num_words":60,"start":115.755,"end":130.415},{"sentences":[{"text":"Awesome.","start":133.01,"end":133.49,"sentiment":"positive","sentiment_score":0.49635007977485657},{"text":"And, Jeanette, while I've got you as well, you did have an inquiry with Jack around investment property.","start":133.49,"end":138.69,"sentiment":"neutral","sentiment_score":0.07019382021907303},{"text":"So I just thought I'd give you a bit of a a hand if I can.","start":138.69,"end":141.59,"sentiment":"neutral","sentiment_score":0.04438490769825876},{"text":"Yeah.","start":150.305,"end":150.805,"sentiment":"neutral","sentiment_score":0.03643222898244858},{"text":"Okay.","start":159.84,"end":160.34,"sentiment":"neutral","sentiment_score":0.14193949103355408}],"sentiment":"neutral","sentiment_score":0.07157754288935983,"num_words":37,"start":133.01,"end":160.34},{"sentences":[{"text":"Oh, yep.","start":176.015,"end":176.83499,"sentiment":"neutral","sentiment_score":-0.3255695551633835},{"text":"Gotcha.","start":188.83,"end":189.33,"sentiment":"neutral","sentiment_score":-0.16724666953086853},{"text":"No way.","start":221.595,"end":222.33499,"sentiment":"neutral","sentiment_score":-0.29499517381191254},{"text":"I was gonna say $1.98 actually sounds pretty good because last time we checked, it was we were putting it down for about $1.50.","start":224.075,"end":230.81,"sentiment":"neutral","sentiment_score":0.1740678603882375},{"text":"So $1.98 actually sounds good, but they said you needed about $2.50 for that loan.","start":231.03,"end":235.29001,"sentiment":"neutral","sentiment_score":0.02358769749601682}],"sentiment":"neutral","sentiment_score":0.0685813982299594,"num_words":44,"start":176.015,"end":235.29001},{"sentences":[{"text":"Yeah.","start":245.125,"end":245.625,"sentiment":"neutral","sentiment_score":-0.026647498831152916},{"text":"K.","start":258.74,"end":259.24,"sentiment":"neutral","sentiment_score":-0.03800732269883156},{"text":"A stamp duty of $12,000.","start":260.34,"end":262.76,"sentiment":"neutral","sentiment_score":-0.04110062420368195},{"text":"K.","start":265.39502,"end":265.89502,"sentiment":"neutral","sentiment_score":-0.06222456321120262},{"text":"I do have some ideas, but you keep going.","start":269.635,"end":272.855,"sentiment":"neutral","sentiment_score":0.04162105669577917}],"sentiment":"neutral","sentiment_score":0.0024827649707303326,"num_words":17,"start":245.125,"end":272.855},{"sentences":[{"text":"And when it comes to well, there's a couple of options actually, and that's what I'm just thinking of is your birthday is the April, isn't it?","start":288.465,"end":297.045,"sentiment":"neutral","sentiment_score":0.07317661680281162},{"text":"What are the chances that the property is still floating around in May, June, would you say?","start":298.625,"end":303.445,"sentiment":"neutral","sentiment_score":0.010249377392670688},{"text":"No.","start":320.695,"end":321.195,"sentiment":"neutral","sentiment_score":-0.16525965929031372},{"text":"Yeah.","start":352.5,"end":353.0,"sentiment":"neutral","sentiment_score":0.023091208189725876},{"text":"Yeah.","start":357.7,"end":358.1,"sentiment":"neutral","sentiment_score":0.17157229781150818}],"sentiment":"neutral","sentiment_score":0.04637046629919651,"num_words":47,"start":288.465,"end":358.1},{"sentences":[{"text":"Right.","start":358.1,"end":358.6,"sentiment":"neutral","sentiment_score":0.2604542374610901},{"text":"Yeah.","start":399.505,"end":400.005,"sentiment":"positive","sentiment_score":0.4665098786354065},{"text":"So there's a couple of things that I've gotta kinda let you know, Jeanette, is with let's let's just talk about that option of using the super together as an investment property.","start":401.48,"end":411.26,"sentiment":"neutral","sentiment_score":0.037037112429970875},{"text":"So have you heard of the whole, like, self managed super fund type thing before?","start":411.48,"end":415.58002,"sentiment":"neutral","sentiment_score":0.005125836469233036},{"text":"Yeah.","start":417.935,"end":418.255,"sentiment":"neutral","sentiment_score":0.014802958816289902}],"sentiment":"neutral","sentiment_score":0.040076844394207,"num_words":50,"start":358.1,"end":418.255},{"sentences":[{"text":"So the I guess the trouble with it in your situation is when you create your own super fund, you've gotta go through the cost of setting up, like, a trust fund and a company.","start":418.255,"end":428.195,"sentiment":"neutral","sentiment_score":-0.025248278650854314},{"text":"And then to get a loan to get investment property, you need to set up a bear trust and a bear company, so four entities, and then get some advice.","start":428.47998,"end":436.66,"sentiment":"neutral","sentiment_score":-0.004852652239302794},{"text":"And it could be $10,000 out of the super just to set it all up.","start":436.88,"end":441.52,"sentiment":"neutral","sentiment_score":0.013348114490509034},{"text":"And then from there, you've gotta run your own super fund with the help of an accountant, of course, and the yearly audits and tax returns and all that fun stuff.","start":441.52,"end":450.235,"sentiment":"neutral","sentiment_score":0.021325847254164757},{"text":"And then the trouble that you run into is if you get an established home, because of the rules and legislation around it, you can't improve that property.","start":450.295,"end":459.115,"sentiment":"neutral","sentiment_score":-0.10558790992945433}],"sentiment":"neutral","sentiment_score":-0.022477754070122036,"num_words":139,"start":418.255,"end":459.115},{"sentences":[{"text":"So if your, you know, door breaks, you can replace the door like for like, but you can't kind of increase the value of it by renovating it, which is, yeah.","start":459.78,"end":475.015,"sentiment":"neutral","sentiment_score":-0.04792020836424443},{"text":"But there is an alternative though is that as soon as you hit 60, you meet your first condition of release of super, which is while you're still working, you can access up to 10%.","start":475.23502,"end":488.78998,"sentiment":"neutral","sentiment_score":0.0300242154193776},{"text":"So potentially, once you pass 60, you can actually set up a transition pension and pull out 10%, which is for you, you know, $2,025,000 dollars, and that kinda gets you there.","start":489.00998,"end":501.325,"sentiment":"neutral","sentiment_score":0.26153480442008004},{"text":"But, again, you would set that up after turning 60.","start":502.585,"end":506.285,"sentiment":"neutral","sentiment_score":0.12546092942357062},{"text":"So then we're talking May, and then we would do some advice for that.","start":506.585,"end":509.785,"sentiment":"neutral","sentiment_score":0.1415458922939641}],"sentiment":"neutral","sentiment_score":0.09156300498508528,"num_words":122,"start":459.78,"end":509.785},{"sentences":[{"text":"So you'd probably get the funds out by the May if not the June.","start":509.785,"end":514.77997,"sentiment":"neutral","sentiment_score":0.19561898122940743},{"text":"So if it's still available, fantastic, but that might be the way might be the way to go if it's still available.","start":514.83997,"end":521.42,"sentiment":"positive","sentiment_score":0.4094761779362505},{"text":"Yeah.","start":525.815,"end":526.315,"sentiment":"neutral","sentiment_score":-0.21535605192184448},{"text":"I was going to kind of advise against it because it doesn't seem like it would be beneficial for you.","start":529.175,"end":535.355,"sentiment":"neutral","sentiment_score":-0.23743809312582015},{"text":"And just all those extra rules, like, the the headache of it on top of the limitations is just gonna be a bit too far, I think.","start":535.415,"end":543.21,"sentiment":"neutral","sentiment_score":-0.25047973957326675}],"sentiment":"neutral","sentiment_score":0.0002389377249138696,"num_words":84,"start":509.785,"end":543.21},{"sentences":[{"text":"But, I mean, if it's still there in a couple of months' time, that is an alternative.","start":543.51,"end":548.01,"sentiment":"neutral","sentiment_score":-0.09000759067780831},{"text":"Okay.","start":553.28503,"end":553.78503,"sentiment":"neutral","sentiment_score":-0.003851709887385368},{"text":"Yeah.","start":562.325,"end":562.825,"sentiment":"neutral","sentiment_score":-0.07613372057676315},{"text":"Rather than keep them in there as long term tenants.","start":564.16504,"end":566.66504,"sentiment":"neutral","sentiment_score":-0.11051733903586865},{"text":"Yeah.","start":582.91504,"end":583.315,"sentiment":"neutral","sentiment_score":-0.006495503708720207}],"sentiment":"neutral","sentiment_score":-0.09072611220180989,"num_words":30,"start":543.51,"end":583.315},{"sentences":[{"text":"So did the bank tell you that it's possible to get the loan across the line if you did pay that out of pocket stamp duty?","start":583.315,"end":589.955,"sentiment":"neutral","sentiment_score":0.03891041717277123},{"text":"And do you actually have the cash available to do that?","start":589.955,"end":592.53,"sentiment":"neutral","sentiment_score":0.02225752936845476},{"text":"It'll leave you in a pretty vulnerable position.","start":602.29004,"end":604.87006,"sentiment":"negative","sentiment_score":-0.5089988727122545},{"text":"And you've worked hard to build up that savings.","start":614.025,"end":616.365,"sentiment":"negative","sentiment_score":-0.4586311744319068},{"text":"Yeah.","start":634.77496,"end":635.27496,"sentiment":"neutral","sentiment_score":-0.06677573174238205}],"sentiment":"neutral","sentiment_score":-0.12745352025059137,"num_words":55,"start":583.315,"end":635.27496},{"sentences":[{"text":"Yeah.","start":652.71,"end":652.95,"sentiment":"neutral","sentiment_score":-0.029746470972895626},{"text":"Exactly.","start":652.95,"end":653.45,"sentiment":"neutral","sentiment_score":-0.017498575150966644},{"text":"Right.","start":653.58997,"end":654.08997,"sentiment":"neutral","sentiment_score":0.07632298022508621},{"text":"Yeah.","start":654.995,"end":655.155,"sentiment":"neutral","sentiment_score":0.04660063236951828},{"text":"Look, it it's one of those things where potentially you could use up your savings to get the loan and then try and get a bit of money out of your super to top up your savings in a couple months time.","start":655.155,"end":664.835,"sentiment":"neutral","sentiment_score":0.021963813325523267}],"sentiment":"neutral","sentiment_score":0.02169910274223303,"num_words":46,"start":652.71,"end":664.835},{"sentences":[{"text":"But it just seems like you're kind of chasing and pushing yourself into a vulnerable position.","start":664.835,"end":670.12,"sentiment":"negative","sentiment_score":-0.611179556697607},{"text":"And for what what kind of benefit is, I guess, the question.","start":671.38,"end":675.16003,"sentiment":"negative","sentiment_score":-0.3471939191222191},{"text":"So look.","start":675.7,"end":676.98,"sentiment":"neutral","sentiment_score":-0.02479756996035576},{"text":"That's probably the option or just if it's still around in a couple months time, but it's just a bit unfortunate that you turn 60 a month after their lease ends, and the timing is just the way the timing is.","start":676.98,"end":689.145,"sentiment":"neutral","sentiment_score":-0.146080831928951},{"text":"Yeah.","start":698.5,"end":698.82,"sentiment":"neutral","sentiment_score":0.13919061422348022}],"sentiment":"neutral","sentiment_score":-0.2756238690473967,"num_words":72,"start":664.835,"end":698.82},{"sentences":[{"text":"I mean, can't can't hurt to have the conversation at least.","start":698.82,"end":704.2,"sentiment":"neutral","sentiment_score":0.2224777496673844},{"text":"But I'll I'll note it down on the file that that's kind of something we may be looking at once you meet a condition of release.","start":707.62,"end":714.345,"sentiment":"neutral","sentiment_score":0.03288055497866411},{"text":"But at the moment, yeah, it's a bit bit of hands tied behind the back, unfortunately.","start":714.345,"end":718.285,"sentiment":"negative","sentiment_score":-0.4326137132011354},{"text":"Yeah.","start":735.48,"end":735.98,"sentiment":"neutral","sentiment_score":-0.017969153821468353},{"text":"It doesn't sound like your heart's really into it.","start":740.105,"end":742.345,"sentiment":"neutral","sentiment_score":0.039885100391176015}],"sentiment":"neutral","sentiment_score":-0.05204242834496119,"num_words":63,"start":698.82,"end":742.345},{"sentences":[{"text":"And, again, yeah, using up his inheritance.","start":742.345,"end":744.285,"sentiment":"neutral","sentiment_score":0.04186564311385155},{"text":"But it's You're more worried about him?","start":744.425,"end":751.10004,"sentiment":"neutral","sentiment_score":-0.258133274103914},{"text":"Yeah.","start":760.375,"end":760.875,"sentiment":"neutral","sentiment_score":-0.04570547491312027},{"text":"That would have been one thing, but this is another thing entirely.","start":772.94995,"end":775.69,"sentiment":"neutral","sentiment_score":-0.2930394398669402},{"text":"And that's pretty much everything.","start":787.205,"end":788.90497,"sentiment":"neutral","sentiment_score":-0.030984971672296524}],"sentiment":"neutral","sentiment_score":-0.16346803214401007,"num_words":32,"start":742.345,"end":788.90497},{"sentences":[{"text":"Yeah.","start":810.11505,"end":810.61505,"sentiment":"neutral","sentiment_score":-0.06941655278205872},{"text":"And I'm always happy to discuss the options with you because obviously, there's some things that you can and can't do and there's different pros and cons to everything, but I don't wanna kind of force something if it's gonna be dangerous for you.","start":811.55505,"end":823.68,"sentiment":"neutral","sentiment_score":0.14697549559853293},{"text":"That's all.","start":823.68,"end":827.45996,"sentiment":"neutral","sentiment_score":0.08625366911292076},{"text":"Yeah.","start":845.935,"end":846.435,"sentiment":"neutral","sentiment_score":0.08891239762306213},{"text":"And we may like, we'll be touching base with you this year as well because once you do hit that preservation age of 60, we may be looking at a bit of a transition strategy anyway.","start":846.99,"end":857.09,"sentiment":"neutral","sentiment_score":0.13812252527309787}],"sentiment":"neutral","sentiment_score":0.13846828451468832,"num_words":84,"start":810.11505,"end":857.09},{"sentences":[{"text":"And whether that incorporates the usage of the cash for a deposit, we can certainly talk about that.","start":857.79,"end":864.245,"sentiment":"neutral","sentiment_score":0.19069856901963553},{"text":"Yeah.","start":864.245,"end":864.485,"sentiment":"neutral","sentiment_score":0.25696900486946106},{"text":"So I might make sure you sort of clocked in for a bit of a quarterly quarterly catch up.","start":864.485,"end":870.025,"sentiment":"neutral","sentiment_score":0.32609566105039495},{"text":"And if anything changes around March, April, and you wanna give us a buzz and and book in to have another chat, that'd be fantastic.","start":870.085,"end":876.745,"sentiment":"positive","sentiment_score":0.43197760105133054},{"text":"Awesome, Jay.","start":879.9,"end":880.80005,"sentiment":"positive","sentiment_score":0.53487429022789}],"sentiment":"positive","sentiment_score":0.33468537559876077,"num_words":65,"start":857.79,"end":880.80005},{"sentences":[{"text":"Anything else I can help you with today?","start":880.94,"end":882.80005,"sentiment":"neutral","sentiment_score":0.25192974880337715},{"text":"It's certainly interesting one.","start":891.915,"end":893.19495,"sentiment":"neutral","sentiment_score":0.30734359472990036},{"text":"And just a brief reminder to give Macquarie a call if you do have a second.","start":893.19495,"end":898.25494,"sentiment":"neutral","sentiment_score":0.15522877592593431},{"text":"And just let the team know once that's all sorted, and they can get the finalization of the rollovers done.","start":898.555,"end":905.62,"sentiment":"neutral","sentiment_score":0.21376025825738906},{"text":"And then, again, we'll catch up in a couple of months time and see if there's some new things we can do to add a bit of value or if there's some changes and maybe that opportunity is still there.","start":905.68,"end":916.16,"sentiment":"neutral","sentiment_score":0.15036124009639024}],"sentiment":"neutral","sentiment_score":0.18202417674051088,"num_words":88,"start":880.94,"end":916.16},{"sentences":[{"text":"Who knows?","start":916.16,"end":916.82,"sentiment":"neutral","sentiment_score":-0.0475957952439785},{"text":"You are most welcome, Janet.","start":926.955,"end":928.495,"sentiment":"neutral","sentiment_score":0.2808829233050346},{"text":"Absolutely.","start":932.09,"end":932.59,"sentiment":"positive","sentiment_score":0.5126407146453857},{"text":"Absolutely.","start":932.73004,"end":933.23004,"sentiment":"positive","sentiment_score":0.42536211013793945},{"text":"For the time being, I'll add some notes to your file and plug in for a bit of a catch up, and we'll talk to you soon.","start":933.69,"end":939.87,"sentiment":"neutral","sentiment_score":0.14712290465831757}],"sentiment":"neutral","sentiment_score":0.17276511879430878,"num_words":36,"start":916.16,"end":939.87},{"sentences":[{"text":"Thank you so much.","start":941.9109,"end":942.63086,"sentiment":"positive","sentiment_score":0.8006184697151184},{"text":"Have a good day.","start":942.63086,"end":943.61084,"sentiment":"positive","sentiment_score":0.7196471095085144}],"sentiment":"positive","sentiment_score":0.7601327896118164,"num_words":8,"start":941.9109,"end":943.61084}]}}]},{"alternatives":[{"transcript":"Hello? Good day, sir. Yeah. Hi. Good. Good. Now Yeah. Yeah. I'm that painful person that doesn't never do does what she's told. Yes. Yeah. Sure. Sure. Yep. Yep. And it's the '66, and it's 1 Macoska Street, Bogobilla. Yep. Yeah. And I'm the I'm the one that keeps forgetting to ring. I did go online and try to do it, and I actually thought I did accomplish it online. And then apparently, no. It hasn't happened. Because I well, possibly. Yeah. And that's that's that's the issue with me because I've said every time I think about it, I don't have the my mum member number written down. You guys have oh, here it is. I got it here. Yeah. It is. Yeah. I do. Actually, I just forgot which book which book I wrote it in. Okay. Yeah. But anyway alright. So I've gotta ring them and sort that out. Yeah. Yep. Yeah. Yeah. Well, I I wanted to there's there's a house for sale here in Gundawindi, which is near Bogobilla. So I live across the border, but the house I'm looking at is in Queensland. It's it's only $3.80, which is a pretty cheap house. It's a pretty good little house. It is in a great position in town. The little brick home, all it needs extra is the new floor coverings put down. The carpets are pretty had a dog they had a dog living in there, and it got it made the carpet. Must have paid through the house because the carpet is pretty horrible. And they're all listing and everything. I've I've because I know the people that are renting it. They've just moved into it. So they they came to stay as long term tenants. So but I just wanted to what is I I've talked to the bank. I've got a deposit, but my property in Bogobilla doesn't the the valuation they've done on it last week only come to it's only a small property. It only come to 2 $1.98, and I needed $2.50 on my value item. So yeah. Yeah. To for that loan to if things went fair shape, they'd have to be able to fill me up and give me money get their money, basically. But that wouldn't happen any help. But so she said the only other way I could get around it is to pay the stamp duty myself, which is $12,000, which is a lot of money, which is had the which is out of my own pocket. Yeah. But that's that's the that's the whole gift of it. That was what I and the the only other thing I thought I could do would be to I'd use some of my super to, you know, have a get an investment property that way. Yeah. Correct. Don't know. They the the the man that owns it is an elderly gentleman. He's in Sydney. He's had a stroke. They can't they haven't even had been able to get a seller disclosure form signed at this point. They just I talked to him again this morning, the real estate, and she saw it like yeah. So I don't know. I don't know. And those the thing is with that property, that price on that property is really cheap for this town. So I just we sold our house a three bedroom kit home, fully renovated and everything. But last year, and we got over 500,000 for it. Now this little house is in pretty good condition. All it needs is new floor coverings and probably the kitchen updated at some point. Kitchen works works, but it's old and very dated. But that would be the only thing that would need things that would need to be done in that little house to increase the value of it. And I reckon then, you know, do that little bit of works to it. You could you could nearly get the same money again. It is so good. It's such a good it's a steal. Yeah. Yeah. Yeah. I have heard of it. Yeah. Yep. Oh, god. No. Okay. They can't put a new kitchen in and say, hey. It's gonna be worth more now. Mhmm. Yep. Yep. Yes. Yeah. Well, that otherwise is too complicated. I'm not going into self management. That's that's just beyond me. I'm not yeah. No. Yeah. Yeah. Not. Yeah. Well, the lease doesn't run out until the March 31. And then yeah. But in the meantime, they're they're kinda looking to put them somewhere else. Why? Because if they don't and then yeah. The thing is if they if a if a property comes along that's and they don't take it just because of me, then they could get stuck, and they're a young family. They've got four four kids under five and yeah. So yeah. Yeah. Yeah. Yeah. I do. I do. I just didn't want to go in and pull our money out of the bank and and have, you know, very little left in there. That's all. Yeah. I don't what I don't want is to be like I was ten years ago and not have a penny to my name in the bank and just working from week, you know, pay to pay and paying all my money. Yeah. So oh, well, you know, a lot some of it was from the sale of our house. So we we got money in the bank then, and then my husband got a inheritance. So we got more money in the bank. So we've never had money in the bank. So now we've got money in the bank, and I don't didn't really wanna go and spend too much. Of it. I I would have preferred to have a loan and have the rent pay the loan off, and then all of them are gonna be out of pocket is the insurances and the rates and stuff like that. Yeah. Yeah. Yeah. I could have a chat to him and tell him to hold out. They can tell all that for me, but I I don't know if they will. But it's worth a conversation. It's always worth a conversation. You know? Yeah. Yeah. Yeah. Yeah. Yeah. Okay. Alright. Well, you know, it's not from not trying. But then I like I said, I could do it if I really wanted to do that, but I don't know whether my husband's gonna be happy about me pulling because I was gonna use I was using his inheritance to do it. Oh, well, my my heart's actually in it. I'm I'm quite keen to do it, but my husband more, he's kind of like, he's he's the one that's humming and hawing and carrying on. But so but we both have to be on the same page. That's the only thing. So had I gone and got the loan and just had to pay the 38,000 deposit, then, yeah, that would have worked. But yeah. So adding an extra $12,000 on, you know, brings us up into what was it? 50. I think she said 50. 3,000 or something like that or 50,000. Is that 40? Yeah. So, you know, we're certainly not wealthy people. That's for sure. This is why I I I go on for a loan rather than you know? But I just yeah. I don't know. I just had this little desire to have an investment property. But anyway, I I I was Yeah. Yeah. No. No. That's for sure. Yeah. I'll look. I'll you know, I'll just hold out and I'll see what happens. You know? So if the property is still available then, well, then it's all good and well. But this it's the likelihood that that house, if it sells to somebody else, that whoever buys it might wanna live in it because of the way the housing is these days. You know? Yeah. Yeah. Yep. Mhmm. Yep. Yeah. Sure. No worries. Okay. No. No. Just that's mainly what I wanted to have a chat about and, yeah, and I have to sort out this other thing. Yeah. Yeah. Yeah. Yeah. For sure. Okay then. Well, thank you for that. And we'll most likely be talking in the near future. Or hopefully be talking in hopefully be talking in the new new future. Yeah. Yep. Okay. Thank you. You too. 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Good day, sir. Yeah. Hi. Good.\n\nGood. Now Yeah. Yeah. I'm that painful person that doesn't never do does what she's told. Yes.\n\nYeah. Sure. Sure. Yep. Yep.\n\nAnd it's the '66, and it's 1 Macoska Street, Bogobilla. Yep. Yeah. And I'm the I'm the one that keeps forgetting to ring. I did go online and try to do it, and I actually thought I did accomplish it online.\n\nAnd then apparently, no. It hasn't happened. Because I well, possibly. Yeah. And that's that's that's the issue with me because I've said every time I think about it, I don't have the my mum member number written down.\n\nYou guys have oh, here it is. I got it here. Yeah. It is. Yeah.\n\nI do. Actually, I just forgot which book which book I wrote it in. Okay. Yeah. But anyway alright.\n\nSo I've gotta ring them and sort that out. Yeah. Yep. Yeah. Yeah.\n\nWell, I I wanted to there's there's a house for sale here in Gundawindi, which is near Bogobilla. So I live across the border, but the house I'm looking at is in Queensland. It's it's only $3.80, which is a pretty cheap house. It's a pretty good little house. It is in a great position in town.\n\nThe little brick home, all it needs extra is the new floor coverings put down. The carpets are pretty had a dog they had a dog living in there, and it got it made the carpet. Must have paid through the house because the carpet is pretty horrible. And they're all listing and everything. I've I've because I know the people that are renting it.\n\nThey've just moved into it. So they they came to stay as long term tenants. So but I just wanted to what is I I've talked to the bank. I've got a deposit, but my property in Bogobilla doesn't the the valuation they've done on it last week only come to it's only a small property. It only come to 2 $1.98, and I needed $2.50 on my value item.\n\nSo yeah. Yeah. To for that loan to if things went fair shape, they'd have to be able to fill me up and give me money get their money, basically. But that wouldn't happen any help. But so she said the only other way I could get around it is to pay the stamp duty myself, which is $12,000, which is a lot of money, which is had the which is out of my own pocket.\n\nYeah. But that's that's the that's the whole gift of it. That was what I and the the only other thing I thought I could do would be to I'd use some of my super to, you know, have a get an investment property that way. Yeah. Correct.\n\nDon't know. They the the the man that owns it is an elderly gentleman. He's in Sydney. He's had a stroke. They can't they haven't even had been able to get a seller disclosure form signed at this point.\n\nThey just I talked to him again this morning, the real estate, and she saw it like yeah. So I don't know. I don't know. And those the thing is with that property, that price on that property is really cheap for this town. So I just we sold our house a three bedroom kit home, fully renovated and everything.\n\nBut last year, and we got over 500,000 for it. Now this little house is in pretty good condition. All it needs is new floor coverings and probably the kitchen updated at some point. Kitchen works works, but it's old and very dated. But that would be the only thing that would need things that would need to be done in that little house to increase the value of it.\n\nAnd I reckon then, you know, do that little bit of works to it. You could you could nearly get the same money again. It is so good. It's such a good it's a steal. Yeah.\n\nYeah. Yeah. I have heard of it. Yeah. Yep.\n\nOh, god. No. Okay. They can't put a new kitchen in and say, hey. It's gonna be worth more now.\n\nMhmm. Yep. Yep. Yes. Yeah.\n\nWell, that otherwise is too complicated. I'm not going into self management. That's that's just beyond me. I'm not yeah. No.\n\nYeah. Yeah. Not. Yeah. Well, the lease doesn't run out until the March 31.\n\nAnd then yeah. But in the meantime, they're they're kinda looking to put them somewhere else. Why? Because if they don't and then yeah. The thing is if they if a if a property comes along that's and they don't take it just because of me, then they could get stuck, and they're a young family.\n\nThey've got four four kids under five and yeah. So yeah. Yeah. Yeah. Yeah.\n\nI do. I do. I just didn't want to go in and pull our money out of the bank and and have, you know, very little left in there. That's all. Yeah.\n\nI don't what I don't want is to be like I was ten years ago and not have a penny to my name in the bank and just working from week, you know, pay to pay and paying all my money. Yeah. So oh, well, you know, a lot some of it was from the sale of our house. So we we got money in the bank then, and then my husband got a inheritance. So we got more money in the bank.\n\nSo we've never had money in the bank. So now we've got money in the bank, and I don't didn't really wanna go and spend too much. Of it. I I would have preferred to have a loan and have the rent pay the loan off, and then all of them are gonna be out of pocket is the insurances and the rates and stuff like that. Yeah.\n\nYeah. Yeah. I could have a chat to him and tell him to hold out. They can tell all that for me, but I I don't know if they will. But it's worth a conversation.\n\nIt's always worth a conversation. You know? Yeah. Yeah. Yeah.\n\nYeah. Yeah. Okay. Alright. Well, you know, it's not from not trying.\n\nBut then I like I said, I could do it if I really wanted to do that, but I don't know whether my husband's gonna be happy about me pulling because I was gonna use I was using his inheritance to do it. Oh, well, my my heart's actually in it. I'm I'm quite keen to do it, but my husband more, he's kind of like, he's he's the one that's humming and hawing and carrying on. But so but we both have to be on the same page. That's the only thing.\n\nSo had I gone and got the loan and just had to pay the 38,000 deposit, then, yeah, that would have worked. But yeah. So adding an extra $12,000 on, you know, brings us up into what was it? 50. I think she said 50.\n\n3,000 or something like that or 50,000. Is that 40? Yeah. So, you know, we're certainly not wealthy people. That's for sure.\n\nThis is why I I I go on for a loan rather than you know? But I just yeah. I don't know. I just had this little desire to have an investment property. But anyway, I I I was Yeah.\n\nYeah. No. No. That's for sure. Yeah.\n\nI'll look. I'll you know, I'll just hold out and I'll see what happens. You know? So if the property is still available then, well, then it's all good and well. But this it's the likelihood that that house, if it sells to somebody else, that whoever buys it might wanna live in it because of the way the housing is these days.\n\nYou know? Yeah. Yeah. Yep. Mhmm.\n\nYep. Yeah. Sure. No worries. Okay.\n\nNo. No. Just that's mainly what I wanted to have a chat about and, yeah, and I have to sort out this other thing. Yeah. Yeah.\n\nYeah. Yeah. For sure. Okay then. Well, thank you for that.\n\nAnd we'll most likely be talking in the near future. Or hopefully be talking in hopefully be talking in the new new future. Yeah. Yep. Okay.\n\nThank you. You too. Bye bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.39999998,"end":0.9,"sentiment":"neutral","sentiment_score":0.024913165718317032},{"text":"Good day, sir.","start":3.6799998,"end":4.66,"sentiment":"positive","sentiment_score":0.392810195684433},{"text":"Yeah.","start":5.2799997,"end":5.3599997,"sentiment":"neutral","sentiment_score":0.16384267807006836},{"text":"Hi.","start":5.3599997,"end":5.68,"sentiment":"neutral","sentiment_score":0.25196585059165955},{"text":"Good.","start":5.68,"end":6.08,"sentiment":"positive","sentiment_score":0.4380543828010559}],"sentiment":"neutral","sentiment_score":0.29388666631919996,"num_words":7,"start":0.39999998,"end":6.08},{"sentences":[{"text":"Good.","start":6.08,"end":6.58,"sentiment":"positive","sentiment_score":0.475103497505188},{"text":"Now 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it's 1 Macoska Street, Bogobilla.","start":40.48,"end":46.185,"sentiment":"neutral","sentiment_score":0.03919381108134985},{"text":"Yep.","start":52.005,"end":52.505,"sentiment":"neutral","sentiment_score":0.0775006115436554},{"text":"Yeah.","start":63.670002,"end":63.99,"sentiment":"neutral","sentiment_score":-0.057105302810668945},{"text":"And I'm the I'm the one that keeps forgetting to ring.","start":63.99,"end":66.630005,"sentiment":"neutral","sentiment_score":-0.16213693808425556},{"text":"I did go online and try to do it, and I actually thought I did accomplish it online.","start":66.630005,"end":71.314995,"sentiment":"neutral","sentiment_score":-0.1284535432027446}],"sentiment":"neutral","sentiment_score":-0.08983747992755436,"num_words":41,"start":40.48,"end":71.314995},{"sentences":[{"text":"And then apparently, no.","start":71.314995,"end":72.515,"sentiment":"neutral","sentiment_score":-0.18154102563858032},{"text":"It hasn't 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to get a seller disclosure form signed at this point.","start":315.03497,"end":320.01498,"sentiment":"neutral","sentiment_score":-0.19131591502163145}],"sentiment":"neutral","sentiment_score":-0.15416783533799341,"num_words":39,"start":304.52,"end":320.01498},{"sentences":[{"text":"They just I talked to him again this morning, the real estate, and she saw it like yeah.","start":320.47498,"end":327.59497,"sentiment":"neutral","sentiment_score":-0.13515854544109768},{"text":"So I don't know.","start":327.59497,"end":329.65,"sentiment":"neutral","sentiment_score":-0.17635009810328484},{"text":"I don't know.","start":330.51,"end":331.63,"sentiment":"neutral","sentiment_score":-0.18502998848756155},{"text":"And those the thing is with that property, that price on that property is really cheap for this town.","start":331.63,"end":340.45,"sentiment":"neutral","sentiment_score":-0.212445299092092},{"text":"So I just we sold our house a three bedroom kit home, fully renovated and 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worries.","start":877.99,"end":878.73,"sentiment":"neutral","sentiment_score":0.2861267402768135},{"text":"Okay.","start":880.47003,"end":880.97003,"sentiment":"positive","sentiment_score":0.3638450503349304}],"sentiment":"neutral","sentiment_score":0.2835473244388898,"num_words":6,"start":864.4875,"end":880.97003},{"sentences":[{"text":"No.","start":883.355,"end":883.83496,"sentiment":"neutral","sentiment_score":-0.004008866846561432},{"text":"No.","start":883.83496,"end":884.07495,"sentiment":"neutral","sentiment_score":-0.02261810377240181},{"text":"Just that's mainly what I wanted to have a chat about and, yeah, and I have to sort out this other thing.","start":884.07495,"end":891.535,"sentiment":"neutral","sentiment_score":0.04429549537599087},{"text":"Yeah.","start":898.87,"end":899.37,"sentiment":"neutral","sentiment_score":0.16181612014770508},{"text":"Yeah.","start":912.31,"end":912.555,"sentiment":"neutral","sentiment_score":0.050824541598558426}],"sentiment":"neutral","sentiment_score":0.04463517651534998,"num_words":26,"start":883.355,"end":912.555},{"sentences":[{"text":"Yeah.","start":917.27496,"end":917.675,"sentiment":"neutral","sentiment_score":0.05537308380007744},{"text":"Yeah.","start":917.675,"end":918.075,"sentiment":"neutral","sentiment_score":0.03964375704526901},{"text":"For sure.","start":918.075,"end":918.815,"sentiment":"neutral","sentiment_score":0.025719158351421356},{"text":"Okay then.","start":919.755,"end":920.555,"sentiment":"neutral","sentiment_score":0.10497751832008362},{"text":"Well, thank you for that.","start":920.555,"end":922.075,"sentiment":"positive","sentiment_score":0.5739842683076859}],"sentiment":"neutral","sentiment_score":0.2933028668842532,"num_words":11,"start":917.27496,"end":922.075},{"sentences":[{"text":"And we'll most likely be talking in the near future.","start":922.075,"end":926.335,"sentiment":"neutral","sentiment_score":0.23608943074941635},{"text":"Or hopefully be talking in hopefully be talking in the new new future.","start":926.78,"end":931.2,"sentiment":"neutral","sentiment_score":0.24433190318254325},{"text":"Yeah.","start":933.18,"end":933.68,"sentiment":"neutral","sentiment_score":0.1875310242176056},{"text":"Yep.","start":938.06,"end":938.56,"sentiment":"neutral","sentiment_score":0.10401781648397446},{"text":"Okay.","start":940.22003,"end":940.72003,"sentiment":"neutral","sentiment_score":0.28618133068084717}],"sentiment":"neutral","sentiment_score":0.23518997000960204,"num_words":26,"start":922.075,"end":940.72003},{"sentences":[{"text":"Thank you.","start":940.86005,"end":941.68,"sentiment":"positive","sentiment_score":0.6729376316070557},{"text":"You too.","start":943.511,"end":943.99097,"sentiment":"positive","sentiment_score":0.445279061794281},{"text":"Bye bye.","start":943.99097,"end":944.73096,"sentiment":"neutral","sentiment_score":0.05483213439583778}],"sentiment":"positive","sentiment_score":0.39101627593239147,"num_words":6,"start":940.86005,"end":944.73096}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Hi, Jeanette. Tom here\n\nChannel 1: Good\n\nChannel 0: from\n\nChannel 1: day,\n\nChannel 0: IT.\n\nChannel 1: sir.\n\nChannel 0: How are you doing?\n\nChannel 1: Yeah. Hi. Good. Good.\n\nChannel 0: Great\n\nChannel 1: Now\n\nChannel 0: to hear. Great to hear.\n\nChannel 1: Yeah. Yeah. I'm that painful person that doesn't never do does what she's told.\n\nChannel 0: Oh, no. That's totally fine, Jeanette. Mate, before I jump into a few things, because I was just gonna give you a call about the the Macquarie and the question you had around investment properties, do you\n\nChannel 1: Yes.\n\nChannel 0: mind if I just quickly go through security process with you?\n\nChannel 1: Yeah. Sure. Sure.\n\nChannel 0: Awesome.\n\nChannel 1: Yep.\n\nChannel 0: So because now you are a client of Oakview Financial, we always just like to check. You don't have a security password on file, so I will need to just double check your date of birth and address, please.\n\nChannel 1: Yep. And it's the '66,\n\nChannel 0: Yep.\n\nChannel 1: and it's 1 Macoska Street, Bogobilla.\n\nChannel 0: Fantastic. Thank you, Jeanette. And I'm registered with ASIC as adviser 12731\n\nChannel 1: Yep.\n\nChannel 0: 05. Awesome. Now, yeah, I was just gonna ask quickly about the Macquarie side of things. I think my colleague, Jack, spoke to you last week just about updating your address.\n\nChannel 1: Yeah. And I'm the I'm the one that keeps forgetting to ring. I did go online and try to do it, and I actually thought I did accomplish it online. And then apparently, no. It hasn't happened.\n\nChannel 0: Oh, bit of a\n\nChannel 1: Because\n\nChannel 0: bummer. So it may need a phone call, will it?\n\nChannel 1: I well, possibly. Yeah. And that's that's that's the issue with me because I've said every time I think about it, I don't have the my mum member number written down. You guys have oh, here it is. I got it here.\n\nChannel 0: Oh, you do\n\nChannel 1: Yeah.\n\nChannel 0: have\n\nChannel 1: It\n\nChannel 0: it\n\nChannel 1: is.\n\nChannel 0: there?\n\nChannel 1: Yeah. I do. Actually,\n\nChannel 0: Fantastic.\n\nChannel 1: I just forgot which book which book I wrote it in. Okay.\n\nChannel 0: Happens to the best of us.\n\nChannel 1: Yeah. But anyway alright. So I've gotta ring them and sort that out.\n\nChannel 0: Yeah. Maybe just ask them as well because sometimes when you submit it online, maybe just take some time to process. So when you call them, they may actually just say, oh, no. We're we're currently in the middle of updating that. So it might just\n\nChannel 1: Yeah.\n\nChannel 0: be worth just double checking with them. But most of those super companies, they just identify you, you know, name, date of birth, email address, that type of thing. So it shouldn't be too bad.\n\nChannel 1: Yep.\n\nChannel 0: Awesome. And, Jeanette, while I've got you as well, you did have an inquiry with Jack around investment property. So I just thought I'd give you a bit of\n\nChannel 1: Yeah.\n\nChannel 0: a a hand if\n\nChannel 1: Yeah.\n\nChannel 0: I can.\n\nChannel 1: Well, I I wanted to there's there's a house for sale here in Gundawindi, which is near Bogobilla. So I\n\nChannel 0: Yeah.\n\nChannel 1: live across the border, but the house I'm looking at is in Queensland. It's it's only $3.80,\n\nChannel 0: Okay.\n\nChannel 1: which is a pretty cheap house. It's a pretty good little house. It is in a great position in town. The little brick home, all it needs extra is the new floor coverings put down. The carpets are pretty had a dog they had a dog living in there, and it got\n\nChannel 0: Oh,\n\nChannel 1: it\n\nChannel 0: yep.\n\nChannel 1: made the carpet. Must have paid through the house because the carpet is pretty horrible. And they're all listing and everything. I've I've because I know the people that are renting it. They've just moved into it.\n\nSo\n\nChannel 0: Gotcha.\n\nChannel 1: they they came to stay as long term tenants. So but I just wanted to what is I I've talked to the bank. I've got a deposit, but my property in Bogobilla doesn't the the valuation they've done on it last week only come to it's only a small property. It only come to 2 $1.98, and I needed $2.50\n\nChannel 0: No\n\nChannel 1: on\n\nChannel 0: way.\n\nChannel 1: my value item.\n\nChannel 0: I was gonna\n\nChannel 1: So\n\nChannel 0: say $1.98 actually sounds pretty good because last time we\n\nChannel 1: yeah.\n\nChannel 0: checked, it was we were putting it down for about $1.50. So $1.98 actually sounds good, but they said you needed\n\nChannel 1: Yeah.\n\nChannel 0: about $2.50 for that loan.\n\nChannel 1: To for that loan to if things went fair shape, they'd have to be able to fill me up and give me money get their money, basically.\n\nChannel 0: Yeah.\n\nChannel 1: But that wouldn't happen any help. But so she said the only other way I could get around it is to pay the stamp duty myself, which is $12,000,\n\nChannel 0: K.\n\nChannel 1: which is a lot\n\nChannel 0: A stamp\n\nChannel 1: of money,\n\nChannel 0: duty of $12,000.\n\nChannel 1: which is\n\nChannel 0: K.\n\nChannel 1: had the which is out of my own pocket.\n\nChannel 0: I do have some ideas, but you keep going.\n\nChannel 1: Yeah. But that's that's the that's the whole gift of it. That was what I and the the only other thing I thought I could do would be to I'd use some of my super to, you know, have a get an investment property that way.\n\nChannel 0: And when it comes to well, there's a couple of options actually, and that's what I'm just thinking of is your birthday is the April, isn't it?\n\nChannel 1: Yeah. Correct.\n\nChannel 0: What are the chances that the property is still floating around in May, June, would you say?\n\nChannel 1: Don't know. They the the the man that owns it is an elderly gentleman. He's in Sydney. He's had a stroke. They can't they haven't even had been able to get a seller disclosure form signed at this point.\n\nThey just\n\nChannel 0: No.\n\nChannel 1: I talked to him again this morning, the real estate, and she saw it like yeah. So I don't know. I don't know. And those the thing is with that property, that price on that property is really cheap for this town. So I just we sold our house a three bedroom kit home, fully renovated and everything.\n\nBut\n\nChannel 0: Yeah.\n\nChannel 1: last year, and we got over 500,000 for it.\n\nChannel 0: Yeah. Right.\n\nChannel 1: Now this little house is in pretty good condition. All it needs is new floor coverings and probably the kitchen updated at some point. Kitchen works works, but it's old and very dated. But that would be the only thing that would need things that would need to be done in that little house to increase the value of it. And I reckon then, you know, do that little bit of works to it.\n\nYou could you could nearly get the same money again. It is so good. It's such a good\n\nChannel 0: Yeah.\n\nChannel 1: it's a steal.\n\nChannel 0: So there's\n\nChannel 1: Yeah.\n\nChannel 0: a couple of things that I've gotta kinda let you know, Jeanette, is with let's let's just talk about that option of using the super together as an investment property.\n\nChannel 1: Yeah.\n\nChannel 0: So have you heard of the whole, like, self managed super fund type thing before?\n\nChannel 1: Yeah. I have heard of it. Yeah. Yep.\n\nChannel 0: Yeah. So the I guess the trouble with it in your situation is when you create your own super fund, you've gotta go through the cost of setting up, like, a trust fund and a company. And then to get a loan to get investment property, you need to set up a bear trust and a bear company, so four entities, and\n\nChannel 1: Oh,\n\nChannel 0: then get\n\nChannel 1: god.\n\nChannel 0: some advice. And it could be $10,000 out of the super just to set it all up. And then from there, you've gotta run your own super fund with the help of an accountant, of course, and the yearly audits and tax returns and all that fun stuff. And then the trouble that you run into is if you get an established home, because of the rules and legislation around it, you can't improve that property.\n\nChannel 1: No.\n\nChannel 0: So if your, you know, door breaks, you can replace the door like for like, but you can't kind of increase the value of it by renovating\n\nChannel 1: Okay.\n\nChannel 0: it,\n\nChannel 1: They\n\nChannel 0: which\n\nChannel 1: can't\n\nChannel 0: is,\n\nChannel 1: put a new kitchen in and say, hey. It's gonna be worth more now.\n\nChannel 0: yeah. But\n\nChannel 1: Mhmm.\n\nChannel 0: there is an alternative though is that as soon as you hit 60, you meet your first condition of release of super, which\n\nChannel 1: Yep.\n\nChannel 0: is while you're still working, you can access up to 10%. So\n\nChannel 1: Yep.\n\nChannel 0: potentially, once you pass 60, you can actually set up a transition pension and pull out 10%, which is for you, you know, $2,025,000 dollars, and that kinda gets you there. But, again, you would set that up after turning 60. So then we're talking May, and then we would do some advice for that. So you'd probably get the funds out by the May if not the\n\nChannel 1: Yes.\n\nChannel 0: June. So if it's still available, fantastic, but that might be the way might be the way to go if it's still available.\n\nChannel 1: Yeah. Well, that otherwise is too complicated. I'm not going into self management.\n\nChannel 0: Yeah.\n\nChannel 1: That's that's just beyond me. I'm not\n\nChannel 0: I was going to kind of advise against it because it doesn't\n\nChannel 1: yeah.\n\nChannel 0: seem like it would be beneficial for you. And\n\nChannel 1: No.\n\nChannel 0: just all those extra rules, like, the the headache of it on top of the limitations is just\n\nChannel 1: Yeah.\n\nChannel 0: gonna be a bit too far, I think. But,\n\nChannel 1: Yeah. Not.\n\nChannel 0: I mean, if it's still there in a couple of months' time, that is an alternative.\n\nChannel 1: Yeah. Well, the lease doesn't run out until the March 31.\n\nChannel 0: Okay.\n\nChannel 1: And then yeah. But in the meantime, they're they're kinda looking to put them somewhere else.\n\nChannel 0: Yeah.\n\nChannel 1: Why? Because\n\nChannel 0: Rather\n\nChannel 1: if they\n\nChannel 0: than keep\n\nChannel 1: don't\n\nChannel 0: them in\n\nChannel 1: and\n\nChannel 0: there\n\nChannel 1: then\n\nChannel 0: as long term tenants.\n\nChannel 1: yeah. The thing is if they if a if a property comes along that's and they don't take it just because of me, then they could get stuck, and they're a young family. They've got four four kids under five and\n\nChannel 0: Yeah.\n\nChannel 1: yeah.\n\nChannel 0: So did\n\nChannel 1: So\n\nChannel 0: the bank tell you that it's possible to get the loan across the line if you did pay that out of pocket stamp duty? And\n\nChannel 1: yeah.\n\nChannel 0: do you actually\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: have the cash available to do that?\n\nChannel 1: Yeah. I do. I do. I just didn't want to go in and pull our money out of the bank and and have, you know, very little left in there.\n\nChannel 0: It'll\n\nChannel 1: That's\n\nChannel 0: leave\n\nChannel 1: all.\n\nChannel 0: you in a pretty vulnerable position.\n\nChannel 1: Yeah. I don't what I don't want is to be like I was ten years ago and not have a penny to my name in the bank and just working from week, you know, pay to pay and\n\nChannel 0: And\n\nChannel 1: paying\n\nChannel 0: you've\n\nChannel 1: all my\n\nChannel 0: worked\n\nChannel 1: money.\n\nChannel 0: hard to build up that savings.\n\nChannel 1: Yeah. So oh, well, you know, a lot some of it was from the sale of our house. So we we got money in the bank then, and then my husband got a inheritance. So we got more money in the bank. So we've never had money in the bank.\n\nSo now\n\nChannel 0: Yeah.\n\nChannel 1: we've got money in the bank, and I don't didn't really wanna go and spend too much. Of it. I I would have preferred to have a loan and have the rent pay the loan off, and then all of them are gonna be out of pocket is the insurances and the rates and\n\nChannel 0: Yeah.\n\nChannel 1: stuff\n\nChannel 0: Exactly.\n\nChannel 1: like that.\n\nChannel 0: Right. Yeah. Look,\n\nChannel 1: Yeah.\n\nChannel 0: it it's one of those things where potentially you could use up your savings to get the loan and then try and get a bit of money out of your super to top up your savings in a couple months time. But it just seems like you're kind of chasing and pushing yourself into a vulnerable position. And for what what kind of benefit is, I guess, the question.\n\nChannel 1: Yeah.\n\nChannel 0: So look. That's probably the option or just if it's still around in a couple months time, but it's just a bit unfortunate that you turn 60 a month after their lease ends, and the timing is just the way\n\nChannel 1: Yeah.\n\nChannel 0: the timing is.\n\nChannel 1: I could have a chat to him and tell him to hold out. They can tell all that for me, but I I don't know if they will. But it's worth a conversation. It's always worth\n\nChannel 0: Yeah.\n\nChannel 1: a conversation.\n\nChannel 0: I mean,\n\nChannel 1: You\n\nChannel 0: can't can't hurt to have the conversation at least.\n\nChannel 1: know? Yeah. Yeah.\n\nChannel 0: But I'll I'll note it down on the file that that's kind of something we may be looking at once you meet a condition of release. But at the moment, yeah, it's a bit bit of hands tied behind the back, unfortunately.\n\nChannel 1: Yeah. Yeah. Yeah. Okay. Alright.\n\nWell, you know, it's not from not trying. But then I like I said, I could do it if I really wanted to do that, but I don't know whether my husband's gonna be happy about me pulling because I was gonna\n\nChannel 0: Yeah.\n\nChannel 1: use I was using his inheritance to do\n\nChannel 0: It doesn't\n\nChannel 1: it.\n\nChannel 0: sound like your heart's really into it. And, again, yeah, using up his\n\nChannel 1: Oh,\n\nChannel 0: inheritance. But\n\nChannel 1: well,\n\nChannel 0: it's\n\nChannel 1: my my heart's actually in it. I'm I'm quite keen to do it, but\n\nChannel 0: You're more\n\nChannel 1: my\n\nChannel 0: worried\n\nChannel 1: husband\n\nChannel 0: about him?\n\nChannel 1: more, he's kind of like, he's he's the one that's humming and hawing and carrying on. But so but we both\n\nChannel 0: Yeah.\n\nChannel 1: have to be on the same page. That's the only thing. So had I gone and got the loan and just had to pay the 38,000 deposit, then, yeah, that would have worked. But\n\nChannel 0: That would have been one thing, but this is another thing entirely.\n\nChannel 1: yeah. So adding an extra $12,000 on, you know, brings us up into what was it? 50. I think she said 50. 3,000 or something like that or 50,000.\n\nChannel 0: And that's\n\nChannel 1: Is that\n\nChannel 0: pretty\n\nChannel 1: 40?\n\nChannel 0: much everything.\n\nChannel 1: Yeah. So, you know, we're certainly not wealthy people. That's for sure. This is why I I I go on for a loan rather than you know? But I just yeah.\n\nI don't know. I just had this little desire to have an investment property. But anyway, I\n\nChannel 0: Yeah. And I'm\n\nChannel 1: I I\n\nChannel 0: always\n\nChannel 1: was\n\nChannel 0: happy to discuss the options with you because obviously, there's some things that you can and can't do and there's different pros and cons to everything, but I don't wanna kind of force something if it's gonna be dangerous for you. That's\n\nChannel 1: Yeah. Yeah. No. No. That's for sure.\n\nYeah. I'll look. I'll\n\nChannel 0: all.\n\nChannel 1: you know, I'll just hold out and I'll see what happens. You know? So if the property is still available then, well, then it's all good and well. But this it's the likelihood that that house, if it sells to somebody else, that whoever buys it might wanna live in it because of the way the housing is these days. You know?\n\nChannel 0: Yeah. And we may like, we'll be touching\n\nChannel 1: Yeah.\n\nChannel 0: base with you this year as well because once you do hit that preservation age of 60, we may be looking at a bit of a transition strategy anyway.\n\nChannel 1: Yeah.\n\nChannel 0: And\n\nChannel 1: Yep.\n\nChannel 0: whether\n\nChannel 1: Mhmm.\n\nChannel 0: that incorporates the usage of the cash for a deposit, we can certainly talk about that. Yeah. So\n\nChannel 1: Yep.\n\nChannel 0: I might make sure you sort of clocked in for a bit of a quarterly quarterly catch up. And if anything changes around March, April, and you wanna give us a buzz and and book in to have another chat, that'd be fantastic.\n\nChannel 1: Yeah. Sure. No worries.\n\nChannel 0: Awesome, Jay.\n\nChannel 1: Okay.\n\nChannel 0: Anything else I can help you with today?\n\nChannel 1: No. No. Just that's mainly what I wanted to have a chat about and, yeah, and I have to sort out this other thing.\n\nChannel 0: It's certainly interesting one. And just a brief reminder to give Macquarie a call if you do have a second. And\n\nChannel 1: Yeah.\n\nChannel 0: just let the team know once that's all sorted, and they can get the finalization of the rollovers done. And then, again, we'll catch up in a couple of months time and see if there's some new things we can do to add a bit\n\nChannel 1: Yeah.\n\nChannel 0: of value or if there's some changes and maybe that opportunity is still there. Who knows?\n\nChannel 1: Yeah. Yeah. For sure. Okay then. Well, thank you for that.\n\nAnd we'll most likely be talking in the near future. Or hopefully\n\nChannel 0: You are most\n\nChannel 1: be\n\nChannel 0: welcome,\n\nChannel 1: talking\n\nChannel 0: Janet.\n\nChannel 1: in hopefully be talking in the new new future.\n\nChannel 0: Absolutely. Absolutely.\n\nChannel 1: Yeah.\n\nChannel 0: For the time being, I'll add some notes to your file and plug in for a bit of a catch up, and\n\nChannel 1: Yep.\n\nChannel 0: we'll talk to you soon.\n\nChannel 1: Okay. Thank you.\n\nChannel 0: Thank you so much. Have a good day.\n\nChannel 1: You too. Bye bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.39999998,"end":0.9,"sentiment":"neutral","sentiment_score":0.024913165718317032}],"sentiment":"neutral","sentiment_score":0.024913165718317032,"channel":1,"num_words":1,"start":0.39999998,"end":0.9},{"sentences":[{"text":"Hi, Jeanette.","start":2.6399999,"end":3.28,"sentiment":"neutral","sentiment_score":0.11810533329844475},{"text":"Tom here","start":3.28,"end":3.76,"sentiment":"neutral","sentiment_score":0.19526688754558563}],"sentiment":"neutral","sentiment_score":0.1566861104220152,"channel":0,"num_words":4,"start":2.6399999,"end":3.76},{"sentences":[{"text":"Good","start":3.6799998,"end":3.84,"sentiment":"positive","sentiment_score":0.4355005621910095}],"sentiment":"positive","sentiment_score":0.4355005621910095,"channel":1,"num_words":1,"start":3.6799998,"end":3.84},{"sentences":[{"text":"from","start":3.76,"end":4.0,"sentiment":"positive","sentiment_score":0.442175030708313}],"sentiment":"positive","sentiment_score":0.442175030708313,"channel":0,"num_words":1,"start":3.76,"end":4.0},{"sentences":[{"text":"day,","start":3.84,"end":4.16,"sentiment":"positive","sentiment_score":0.4293922185897827}],"sentiment":"positive","sentiment_score":0.4293922185897827,"channel":1,"num_words":1,"start":3.84,"end":4.16},{"sentences":[{"text":"IT.","start":4.0,"end":4.3199997,"sentiment":"positive","sentiment_score":0.4225552082061768}],"sentiment":"positive","sentiment_score":0.4225552082061768,"channel":0,"num_words":1,"start":4.0,"end":4.3199997},{"sentences":[{"text":"sir.","start":4.16,"end":4.66,"sentiment":"neutral","sentiment_score":0.3135378062725067}],"sentiment":"neutral","sentiment_score":0.3135378062725067,"channel":1,"num_words":1,"start":4.16,"end":4.66},{"sentences":[{"text":"How are you doing?","start":4.3199997,"end":5.14,"sentiment":"neutral","sentiment_score":0.2835334613919258}],"sentiment":"neutral","sentiment_score":0.2835334613919258,"channel":0,"num_words":4,"start":4.3199997,"end":5.14},{"sentences":[{"text":"Yeah.","start":5.2799997,"end":5.3599997,"sentiment":"neutral","sentiment_score":0.16384267807006836},{"text":"Hi.","start":5.3599997,"end":5.68,"sentiment":"neutral","sentiment_score":0.25196585059165955},{"text":"Good.","start":5.68,"end":6.08,"sentiment":"positive","sentiment_score":0.4380543828010559},{"text":"Good.","start":6.08,"end":6.58,"sentiment":"positive","sentiment_score":0.475103497505188}],"sentiment":"neutral","sentiment_score":0.33224160224199295,"channel":1,"num_words":4,"start":5.2799997,"end":6.58},{"sentences":[{"text":"Great","start":7.52,"end":7.7599998,"sentiment":"positive","sentiment_score":0.5980077385902405}],"sentiment":"positive","sentiment_score":0.5980077385902405,"channel":0,"num_words":1,"start":7.52,"end":7.7599998},{"sentences":[{"text":"Now","start":7.6,"end":8.1,"sentiment":"positive","sentiment_score":0.5851504802703857}],"sentiment":"positive","sentiment_score":0.5851504802703857,"channel":1,"num_words":1,"start":7.6,"end":8.1},{"sentences":[{"text":"to hear.","start":7.7599998,"end":8.16,"sentiment":"positive","sentiment_score":0.46056322753429413},{"text":"Great to hear.","start":8.16,"end":8.98,"sentiment":"positive","sentiment_score":0.45511770248413086}],"sentiment":"positive","sentiment_score":0.45729591250419616,"channel":0,"num_words":5,"start":7.7599998,"end":8.98},{"sentences":[{"text":"Yeah.","start":9.5199995,"end":10.0199995,"sentiment":"neutral","sentiment_score":0.07421433180570602},{"text":"Yeah.","start":10.96,"end":11.2,"sentiment":"neutral","sentiment_score":-0.11751710623502731},{"text":"I'm that painful person that doesn't never do does what she's told.","start":11.2,"end":14.74,"sentiment":"negative","sentiment_score":-0.44963744282722473}],"sentiment":"negative","sentiment_score":-0.3884965777397156,"channel":1,"num_words":14,"start":9.5199995,"end":14.74},{"sentences":[{"text":"Oh, no.","start":15.455,"end":16.015,"sentiment":"neutral","sentiment_score":-0.06263402849435806},{"text":"That's totally fine, 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incorporates the usage of the cash for a deposit, we can certainly talk about that.","start":858.35,"end":864.245,"sentiment":"neutral","sentiment_score":0.1971655637025833},{"text":"Yeah.","start":864.245,"end":864.485,"sentiment":"neutral","sentiment_score":0.25696900486946106},{"text":"So","start":864.485,"end":864.885,"sentiment":"neutral","sentiment_score":0.3023340404033661}],"sentiment":"neutral","sentiment_score":0.20633067025078666,"channel":0,"num_words":18,"start":858.35,"end":864.885},{"sentences":[{"text":"Yep.","start":864.4875,"end":864.9875,"sentiment":"positive","sentiment_score":0.3377402722835541}],"sentiment":"positive","sentiment_score":0.3377402722835541,"channel":1,"num_words":1,"start":864.4875,"end":864.9875},{"sentences":[{"text":"I might make sure you sort of clocked in for a bit of a quarterly quarterly catch up.","start":864.885,"end":870.025,"sentiment":"neutral","sentiment_score":0.327415751086341},{"text":"And if anything changes around March, April, and you wanna give us a buzz and and book in to have another chat, that'd be fantastic.","start":870.085,"end":876.745,"sentiment":"positive","sentiment_score":0.43197760105133054}],"sentiment":"positive","sentiment_score":0.38820752432180006,"channel":0,"num_words":43,"start":864.885,"end":876.745},{"sentences":[{"text":"Yeah.","start":877.19,"end":877.51,"sentiment":"neutral","sentiment_score":0.2052731215953827},{"text":"Sure.","start":877.51,"end":877.99,"sentiment":"neutral","sentiment_score":0.22217202186584473},{"text":"No worries.","start":877.99,"end":878.73,"sentiment":"neutral","sentiment_score":0.2861267402768135}],"sentiment":"neutral","sentiment_score":0.2499246560037136,"channel":1,"num_words":4,"start":877.19,"end":878.73},{"sentences":[{"text":"Awesome, Jay.","start":879.9,"end":880.80005,"sentiment":"positive","sentiment_score":0.53487429022789}],"sentiment":"positive","sentiment_score":0.53487429022789,"channel":0,"num_words":2,"start":879.9,"end":880.80005},{"sentences":[{"text":"Okay.","start":880.47003,"end":880.97003,"sentiment":"positive","sentiment_score":0.3638450503349304}],"sentiment":"positive","sentiment_score":0.3638450503349304,"channel":1,"num_words":1,"start":880.47003,"end":880.97003},{"sentences":[{"text":"Anything else I can help you with today?","start":880.94,"end":882.80005,"sentiment":"neutral","sentiment_score":0.25192974880337715}],"sentiment":"neutral","sentiment_score":0.25192974880337715,"channel":0,"num_words":8,"start":880.94,"end":882.80005},{"sentences":[{"text":"No.","start":883.355,"end":883.83496,"sentiment":"neutral","sentiment_score":-0.004008866846561432},{"text":"No.","start":883.83496,"end":884.07495,"sentiment":"neutral","sentiment_score":-0.02261810377240181},{"text":"Just that's mainly what I wanted to have a chat about and, yeah, and I have to sort out this other thing.","start":884.07495,"end":891.535,"sentiment":"neutral","sentiment_score":0.04429549537599087}],"sentiment":"neutral","sentiment_score":0.039494746985534825,"channel":1,"num_words":24,"start":883.355,"end":891.535},{"sentences":[{"text":"It's certainly interesting one.","start":891.915,"end":893.19495,"sentiment":"neutral","sentiment_score":0.30734359472990036},{"text":"And just a brief reminder to give Macquarie a call if you do have a second.","start":893.19495,"end":898.25494,"sentiment":"neutral","sentiment_score":0.15522877592593431},{"text":"And","start":898.555,"end":899.055,"sentiment":"neutral","sentiment_score":0.15547534823417664}],"sentiment":"neutral","sentiment_score":0.18421476866517747,"channel":0,"num_words":21,"start":891.915,"end":899.055},{"sentences":[{"text":"Yeah.","start":898.87,"end":899.37,"sentiment":"neutral","sentiment_score":0.16181612014770508}],"sentiment":"neutral","sentiment_score":0.16181612014770508,"channel":1,"num_words":1,"start":898.87,"end":899.37},{"sentences":[{"text":"just let the team know once that's all sorted, and they can get the finalization of the rollovers done.","start":899.83496,"end":905.62,"sentiment":"neutral","sentiment_score":0.21682788510071604},{"text":"And then, again, we'll catch up in a couple of months time and see if there's some new things we can do to add a bit","start":905.68,"end":912.32,"sentiment":"neutral","sentiment_score":0.20371709362818644}],"sentiment":"neutral","sentiment_score":0.20925276113881006,"channel":0,"num_words":45,"start":899.83496,"end":912.32},{"sentences":[{"text":"Yeah.","start":912.31,"end":912.555,"sentiment":"neutral","sentiment_score":0.050824541598558426}],"sentiment":"neutral","sentiment_score":0.050824541598558426,"channel":1,"num_words":1,"start":912.31,"end":912.555},{"sentences":[{"text":"of value or if there's some changes and maybe that opportunity is still there.","start":912.32,"end":916.16,"sentiment":"neutral","sentiment_score":0.05127179782305445},{"text":"Who knows?","start":916.16,"end":916.82,"sentiment":"neutral","sentiment_score":-0.0475957952439785}],"sentiment":"neutral","sentiment_score":0.03891334868967533,"channel":0,"num_words":16,"start":912.32,"end":916.82},{"sentences":[{"text":"Yeah.","start":917.27496,"end":917.675,"sentiment":"neutral","sentiment_score":0.05537308380007744},{"text":"Yeah.","start":917.675,"end":918.075,"sentiment":"neutral","sentiment_score":0.03964375704526901},{"text":"For sure.","start":918.075,"end":918.815,"sentiment":"neutral","sentiment_score":0.025719158351421356},{"text":"Okay then.","start":919.755,"end":920.555,"sentiment":"neutral","sentiment_score":0.10497751832008362},{"text":"Well, thank you for that.","start":920.555,"end":922.075,"sentiment":"positive","sentiment_score":0.5739842683076859}],"sentiment":"neutral","sentiment_score":0.2933028668842532,"channel":1,"num_words":11,"start":917.27496,"end":922.075},{"sentences":[{"text":"And we'll most likely be talking in the near future.","start":922.075,"end":926.335,"sentiment":"neutral","sentiment_score":0.23608943074941635},{"text":"Or hopefully","start":926.78,"end":927.44,"sentiment":"neutral","sentiment_score":0.11441013962030411}],"sentiment":"neutral","sentiment_score":0.2158095488945643,"channel":1,"num_words":12,"start":922.075,"end":927.44},{"sentences":[{"text":"You are most","start":926.955,"end":927.595,"sentiment":"neutral","sentiment_score":0.2503327503800392}],"sentiment":"neutral","sentiment_score":0.2503327503800392,"channel":0,"num_words":3,"start":926.955,"end":927.595},{"sentences":[{"text":"be","start":927.5,"end":927.66003,"sentiment":"neutral","sentiment_score":0.3033049404621124}],"sentiment":"neutral","sentiment_score":0.3033049404621124,"channel":1,"num_words":1,"start":927.5,"end":927.66003},{"sentences":[{"text":"welcome,","start":927.595,"end":927.995,"sentiment":"positive","sentiment_score":0.3998274803161621}],"sentiment":"positive","sentiment_score":0.3998274803161621,"channel":0,"num_words":1,"start":927.595,"end":927.995},{"sentences":[{"text":"talking","start":927.66003,"end":928.16003,"sentiment":"positive","sentiment_score":0.36410683393478394}],"sentiment":"positive","sentiment_score":0.36410683393478394,"channel":1,"num_words":1,"start":927.66003,"end":928.16003},{"sentences":[{"text":"Janet.","start":927.995,"end":928.495,"sentiment":"neutral","sentiment_score":0.25358888506889343}],"sentiment":"neutral","sentiment_score":0.25358888506889343,"channel":0,"num_words":1,"start":927.995,"end":928.495},{"sentences":[{"text":"in hopefully be talking in the new new future.","start":928.62,"end":931.2,"sentiment":"neutral","sentiment_score":0.25334252085950637}],"sentiment":"neutral","sentiment_score":0.25334252085950637,"channel":1,"num_words":9,"start":928.62,"end":931.2},{"sentences":[{"text":"Absolutely.","start":932.09,"end":932.59,"sentiment":"positive","sentiment_score":0.5126407146453857},{"text":"Absolutely.","start":932.73004,"end":933.23004,"sentiment":"positive","sentiment_score":0.42536211013793945}],"sentiment":"positive","sentiment_score":0.4690014123916626,"channel":0,"num_words":2,"start":932.09,"end":933.23004},{"sentences":[{"text":"Yeah.","start":933.18,"end":933.68,"sentiment":"neutral","sentiment_score":0.1875310242176056}],"sentiment":"neutral","sentiment_score":0.1875310242176056,"channel":1,"num_words":1,"start":933.18,"end":933.68},{"sentences":[{"text":"For the time being, I'll add some notes to your file and plug in for a bit of a catch up, and","start":933.69,"end":938.25,"sentiment":"neutral","sentiment_score":0.1311689310453155}],"sentiment":"neutral","sentiment_score":0.1311689310453155,"channel":0,"num_words":22,"start":933.69,"end":938.25},{"sentences":[{"text":"Yep.","start":938.06,"end":938.56,"sentiment":"neutral","sentiment_score":0.10401781648397446}],"sentiment":"neutral","sentiment_score":0.10401781648397446,"channel":1,"num_words":1,"start":938.06,"end":938.56},{"sentences":[{"text":"we'll talk to you soon.","start":938.25,"end":939.87,"sentiment":"neutral","sentiment_score":0.21732038855552674}],"sentiment":"neutral","sentiment_score":0.21732038855552674,"channel":0,"num_words":5,"start":938.25,"end":939.87},{"sentences":[{"text":"Okay.","start":940.22003,"end":940.72003,"sentiment":"neutral","sentiment_score":0.28618133068084717},{"text":"Thank you.","start":940.86005,"end":941.68,"sentiment":"positive","sentiment_score":0.6729376316070557}],"sentiment":"positive","sentiment_score":0.5440188646316528,"channel":1,"num_words":3,"start":940.22003,"end":941.68},{"sentences":[{"text":"Thank you so much.","start":941.9109,"end":942.63086,"sentiment":"positive","sentiment_score":0.8006184697151184},{"text":"Have a good day.","start":942.63086,"end":943.61084,"sentiment":"positive","sentiment_score":0.7196471095085144}],"sentiment":"positive","sentiment_score":0.7601327896118164,"channel":0,"num_words":8,"start":941.9109,"end":943.61084},{"sentences":[{"text":"You too.","start":943.511,"end":943.99097,"sentiment":"positive","sentiment_score":0.445279061794281},{"text":"Bye bye.","start":943.99097,"end":944.73096,"sentiment":"neutral","sentiment_score":0.05483213439583778}],"sentiment":"neutral","sentiment_score":0.2500555980950594,"channel":1,"num_words":4,"start":943.511,"end":944.73096}]},"summary":{"result":"success","short":"Johnette receives a call from Kieran at Oakview Financial to update her address and discuss her Macquarie and investment property inquiries. He suggests paying the stamp duty and using his super to get an investment property, and recommends paying the stamp duty and using his super to get an investment property. The speaker discusses the value of a property and suggests setting up a self-managed super fund, but warns of the cost of setting up a trust fund and the risk of losing money. The speaker emphasizes the importance of building up savings and not wasting money in the bank, and suggests discussing retirement plans and adding an extra $12,000 to the loan. The agent reminds the customer to call Macquarie if they need further assistance and notes that they will be discussing the option with the customer."},"intents":{"segments":[{"text":"Mate, before I jump into a few things, because I was just gonna give you a call about the the Macquarie and the question you had around investment properties, do you Yes.","start_word":45,"end_word":76,"intents":[{"intent":"Assist with macquarie and investment property issues","confidence_score":0.000002951499}]},{"text":"But most of those super companies, they just identify you, you know, name, date of birth, email address, that type of thing. So it shouldn't be too bad. Yep.","start_word":381,"end_word":409,"intents":[{"intent":"Provide information","confidence_score":0.09592801}]},{"text":"And, Jeanette, while I've got you as well, you did have an inquiry with Jack around investment property. So I just thought I'd give you a bit of Yeah. a a hand if Yeah. I can. Well, I I wanted to there's there's a house for sale here in Gundawindi, which is near Bogobilla. So I Yeah.","start_word":411,"end_word":467,"intents":[{"intent":"Inquire about house","confidence_score":0.015591077}]},{"text":"The carpets are pretty had a dog they had a dog living in there, and it got Oh, it yep. made the carpet. Must have paid through the house because the carpet is pretty horrible.","start_word":521,"end_word":555,"intents":[{"intent":"Discuss carpet issues","confidence_score":0.0037565725}]},{"text":"they they came to stay as long term tenants. So but I just wanted to what is I I've talked to the bank. I've got a deposit, but my property in Bogobilla doesn't the the valuation they've done on it last week only come to it's only a small property. It only come to 2 $1.98, and I needed $2.50 No on way.","start_word":580,"end_word":642,"intents":[{"intent":"Reject offer","confidence_score":0.000045601148}]},{"text":"my value item.","start_word":643,"end_word":645,"intents":[{"intent":"Ask about property value","confidence_score":0.00032089604}]},{"text":"They the the the man that owns it is an elderly gentleman. He's in Sydney. He's had a stroke. They can't they haven't even had been able to get a seller disclosure form signed at this point. They just No.","start_word":873,"end_word":912,"intents":[{"intent":"Clarify property details","confidence_score":0.00078849803}]},{"text":"And those the thing is with that property, that price on that property is really cheap for this town. So I just we sold our house a three bedroom kit home, fully renovated and everything. But Yeah. last year, and we got over 500,000 for it. Yeah.","start_word":936,"end_word":982,"intents":[{"intent":"Verify property value","confidence_score":0.000029128438}]},{"text":"a couple of things that I've gotta kinda let you know, Jeanette, is with let's let's just talk about that option of using the super together as an investment property. Yeah.","start_word":1083,"end_word":1113,"intents":[{"intent":"Discuss super fund options","confidence_score":0.11451451}]},{"text":"potentially, once you pass 60, you can actually set up a transition pension and pull out 10%, which is for you, you know, $2,025,000 dollars, and that kinda gets you there.","start_word":1368,"end_word":1398,"intents":[{"intent":"Set up transition pension","confidence_score":0.9476637},{"intent":"Set up funds","confidence_score":0.6003336}]},{"text":"So then we're talking May, and then we would do some advice for that.","start_word":1408,"end_word":1421,"intents":[{"intent":"Provide advice","confidence_score":0.039483223}]},{"text":"Well, the lease doesn't run out until the March 31. Okay.","start_word":1550,"end_word":1560,"intents":[{"intent":"Arrange lease extension","confidence_score":0.0141891455}]},{"text":"But in the meantime, they're they're kinda looking to put them somewhere else. Yeah.","start_word":1564,"end_word":1577,"intents":[{"intent":"Consider property relocation","confidence_score":0.004558397}]},{"text":"So did So the bank tell you that it's possible to get the loan across the line if you did pay that out of pocket stamp duty? And yeah.","start_word":1638,"end_word":1666,"intents":[{"intent":"Confirm interest in loan","confidence_score":0.00036741313}]},{"text":"I could have a chat to him and tell him to hold out. They can tell all that for me, but I I don't know if they will. But it's worth a conversation. It's always worth Yeah. a conversation. I mean, You can't can't hurt to have the conversation at least. know? Yeah. Yeah.","start_word":2000,"end_word":2053,"intents":[{"intent":"Have conversation","confidence_score":0.0004198047}]},{"text":"And I'm I I always was happy to discuss the options with you because obviously, there's some things that you can and can't do and there's different pros and cons to everything, but I don't wanna kind of force something if it's gonna be dangerous for you. That's Yeah.","start_word":2349,"end_word":2397,"intents":[{"intent":"Discuss options and discuss options","confidence_score":0.0079833595}]},{"text":"that incorporates the usage of the cash for a deposit, we can certainly talk about that. Yeah.","start_word":2513,"end_word":2529,"intents":[{"intent":"Incorporate cash for deposit","confidence_score":0.029933829}]},{"text":"I might make sure you sort of clocked in for a bit of a quarterly quarterly catch up. And if anything changes around March, April, and you wanna give us a buzz and and book in to have another chat, that'd be fantastic. Yeah.","start_word":2532,"end_word":2575,"intents":[{"intent":"Schedule a chat","confidence_score":0.20206352}]}]},"sentiments":{"segments":[{"text":"Hello? Hi, Jeanette.","start_word":0,"end_word":2,"sentiment":"neutral","sentiment_score":0.09085670858621596},{"text":"Tom here Good from day, IT.","start_word":3,"end_word":8,"sentiment":"positive","sentiment_score":0.3715130090713501},{"text":"sir. How are you doing? Yeah. Hi.","start_word":9,"end_word":15,"sentiment":"neutral","sentiment_score":0.26323965191841125},{"text":"Good. Good. Great Now to hear. Great to hear.","start_word":16,"end_word":24,"sentiment":"positive","sentiment_score":0.47165194153785706},{"text":"Yeah. Yeah.","start_word":25,"end_word":26,"sentiment":"neutral","sentiment_score":-0.021651387214660645},{"text":"I'm that painful person that doesn't never do does what she's told.","start_word":27,"end_word":38,"sentiment":"negative","sentiment_score":-0.4315467178821564},{"text":"Oh, no. That's totally fine, Jeanette. Mate, before I jump into a few things, because I was just gonna give you a call about the the Macquarie and the question you had around investment properties, do you Yes. mind if I just quickly go through security process with you? Yeah. Sure. Sure. Awesome. Yep. So because now you are a client of Oakview Financial, we always just like to check. You don't have a security password on file, so I will need to just double check your date of birth and address, please. Yep. And it's the '66, Yep. and it's 1 Macoska Street, Bogobilla.","start_word":39,"end_word":143,"sentiment":"neutral","sentiment_score":0.04732050746679306},{"text":"Fantastic. Thank you, Jeanette.","start_word":144,"end_word":147,"sentiment":"positive","sentiment_score":0.4120892286300659},{"text":"And I'm registered with ASIC as adviser 12731 Yep. 05. Awesome. Now, yeah, I was just gonna ask quickly about the Macquarie side of things. I think my colleague, Jack, spoke to you last week just about updating your address. Yeah. And I'm the I'm the one that keeps forgetting to ring. I did go online and try to do it, and I actually thought I did accomplish it online. And then apparently, no. It hasn't happened. Oh, bit of a Because bummer. So it may need a phone call, will it? I well, possibly. Yeah. And that's that's that's the issue with me because I've said every time I think about it, I don't have the my mum member number written down. You guys have oh, here it is. I got it here. Oh, you do Yeah. have It it is. there? Yeah. I do. Actually, Fantastic. I just forgot which book which book I wrote it in. Okay. Happens to the best of us. Yeah. But anyway alright. So I've gotta ring them and sort that out. Yeah. Maybe just ask them as well because sometimes when you submit it online, maybe just take some time to process. So when you call them, they may actually just say, oh, no. We're we're currently in the middle of updating that. So it might just Yeah. be worth just double checking with them. But most of those super companies, they just identify you, you know, name, date of birth, email address, that type of thing. So it shouldn't be too bad. Yep.","start_word":148,"end_word":409,"sentiment":"neutral","sentiment_score":-0.039854739579365},{"text":"Awesome.","start_word":410,"end_word":410,"sentiment":"positive","sentiment_score":0.49635007977485657},{"text":"And, Jeanette, while I've got you as well, you did have an inquiry with Jack around investment property. So I just thought I'd give you a bit of Yeah. a a hand if Yeah. I can. Well, I I wanted to there's there's a house for sale here in Gundawindi, which is near Bogobilla. So I Yeah. live across the border, but the house I'm looking at is in Queensland. It's it's only $3.80, Okay. which is a pretty cheap house.","start_word":411,"end_word":491,"sentiment":"neutral","sentiment_score":0.06817442178726196},{"text":"It's a pretty good little house. It is in a great position in town.","start_word":492,"end_word":505,"sentiment":"positive","sentiment_score":0.7281145453453064},{"text":"The little brick home, all it needs extra is the new floor coverings put down. The carpets are pretty had a dog they had a dog living in there, and it got Oh, it yep. made the carpet.","start_word":506,"end_word":543,"sentiment":"neutral","sentiment_score":-0.14123788475990295},{"text":"Must have paid through the house because the carpet is pretty horrible.","start_word":544,"end_word":555,"sentiment":"negative","sentiment_score":-0.5402359962463379},{"text":"And they're all listing and everything. I've I've because I know the people that are renting it. They've just moved into it. So Gotcha. they they came to stay as long term tenants. So but I just wanted to what is I I've talked to the bank. I've got a deposit, but my property in Bogobilla doesn't the the valuation they've done on it last week only come to it's only a small property. It only come to 2 $1.98, and I needed $2.50 No on way. my value item. I was gonna So say $1.","start_word":556,"end_word":651,"sentiment":"neutral","sentiment_score":-0.17325705289840698},{"text":"98 actually sounds pretty good because last time we yeah.","start_word":652,"end_word":660,"sentiment":"positive","sentiment_score":0.3920205533504486},{"text":"checked, it was we were putting it down for about $1.50. So $1.98 actually sounds good, but they said you needed Yeah. about $2.50 for that loan. To for that loan to if things went fair shape, they'd have to be able to fill me up and give me money get their money, basically. Yeah. But that wouldn't happen any help. But so she said the only other way I could get around it is to pay the stamp duty myself, which is $12,000, K. which is a lot A stamp of money, duty of $12,000. which is K. had the which is out of my own pocket. I do have some ideas, but you keep going. Yeah. But that's that's the that's the whole gift of it. That was what I and the the only other thing I thought I could do would be to I'd use some of my super to, you know, have a get an investment property that way. And when it comes to well, there's a couple of options actually, and that's what I'm just thinking of is your birthday is the April, isn't it? Yeah. Correct. What are the chances that the property is still floating around in May, June, would you say? Don't know. They the the the man that owns it is an elderly gentleman. He's in Sydney. He's had a stroke. They can't they haven't even had been able to get a seller disclosure form signed at this point. They just No. I talked to him again this morning, the real estate, and she saw it like yeah. So I don't know. I don't know. And those the thing is with that property, that price on that property is really cheap for this town. So I just we sold our house a three bedroom kit home, fully renovated and everything. But Yeah. last year, and we got over 500,000 for it. Yeah. Right.","start_word":661,"end_word":982,"sentiment":"neutral","sentiment_score":-0.015382807701826096},{"text":"Now this little house is in pretty good condition.","start_word":983,"end_word":991,"sentiment":"positive","sentiment_score":0.540355384349823},{"text":"All it needs is new floor coverings and probably the kitchen updated at some point. Kitchen works works, but it's old and very dated. But that would be the only thing that would need things that would need to be done in that little house to increase the value of it. And I reckon then, you know, do that little bit of works to it. You could you could nearly get the same money again.","start_word":992,"end_word":1066,"sentiment":"neutral","sentiment_score":0.04777114987373352},{"text":"It is so good. It's such a good Yeah. it's a steal.","start_word":1067,"end_word":1078,"sentiment":"positive","sentiment_score":0.5648161768913269},{"text":"So there's Yeah. a couple of things that I've gotta kinda let you know, Jeanette, is with let's let's just talk about that option of using the super together as an investment property. Yeah. So have you heard of the whole, like, self managed super fund type thing before? Yeah. I have heard of it. Yeah. Yep. Yeah. So the I guess the trouble with it in your situation is when you create your own super fund, you've gotta go through the cost of setting up, like, a trust fund and a company. And then to get a loan to get investment property, you need to set up a bear trust and a bear company, so four entities, and Oh, then get god. some advice. And it could be $10,000 out of the super just to set it all up. And then from there, you've gotta run your own super fund with the help of an accountant, of course, and the yearly audits and tax returns and all that fun stuff. And then the trouble that you run into is if you get an established home, because of the rules and legislation around it, you can't improve that property. No. So if your, you know, door breaks, you can replace the door like for like, but you can't kind of increase the value of it by renovating Okay. it, They which can't is, put a new kitchen in and say, hey. It's gonna be worth more now. yeah. But Mhmm. there is an alternative though is that as soon as you hit 60, you meet your first condition of release of super, which Yep. is while you're still working, you can access up to 10%. So Yep. potentially, once you pass 60, you can actually set up a transition pension and pull out 10%, which is for you, you know, $2,025,000 dollars, and that kinda gets you there. But, again, you would set that up after turning 60. So then we're talking May, and then we would do some advice for that. So you'd probably get the funds out by the May if not the Yes. June.","start_word":1079,"end_word":1435,"sentiment":"neutral","sentiment_score":0.03237518896440081},{"text":"So if it's still available, fantastic, but that might be the way might be the way to go if it's still available.","start_word":1436,"end_word":1457,"sentiment":"positive","sentiment_score":0.4090968370437622},{"text":"Yeah. Well, that otherwise is too complicated. I'm not going into self management. Yeah. That's that's just beyond me. I'm not I was going to kind of advise against it because it doesn't yeah. seem like it would be beneficial for you. And No. just all those extra rules, like, the the headache of it on top of the limitations is just Yeah. gonna be a bit too far, I think. But, Yeah. Not. I mean, if it's still there in a couple of months' time, that is an alternative. Yeah. Well, the lease doesn't run out until the March 31. Okay. And then yeah. But in the meantime, they're they're kinda looking to put them somewhere else. Yeah. Why? Because Rather if than they keep don't them in there and then as long term tenants. yeah. The thing is if they if a if a property comes along that's and they don't take it just because of me, then they could get stuck, and they're a young family. They've got four four kids under five and Yeah. yeah. So did So the bank tell you that it's possible to get the loan across the line if you did pay that out of pocket stamp duty? And yeah. do you actually Yeah. Yeah. have the cash available to do that? Yeah. I do. I do. I just didn't want to go in and pull our money out of the bank and and have, you know, very little left in there. It'll That's leave all.","start_word":1458,"end_word":1711,"sentiment":"neutral","sentiment_score":-0.1208365559577942},{"text":"you in a pretty vulnerable position. Yeah. I don't what I don't want is to be like I was ten years ago and not have a penny to my name in the bank and just working from week, you know, pay to pay and And paying you've all my worked money. hard to build up that savings.","start_word":1712,"end_word":1768,"sentiment":"negative","sentiment_score":-0.46438631415367126},{"text":"Yeah. So oh, well, you know, a lot some of it was from the sale of our house. So we we got money in the bank then, and then my husband got a inheritance. So we got more money in the bank. So we've never had money in the bank. So now Yeah. we've got money in the bank, and I don't didn't really wanna go and spend too much. Of it. I I would have preferred to have a loan and have the rent pay the loan off, and then all of them are gonna be out of pocket is the insurances and the rates and Yeah. stuff Exactly. like that. Right. Yeah. Look, Yeah. it it's one of those things where potentially you could use up your savings to get the loan and then try and get a bit of money out of your super to top up your savings in a couple months time.","start_word":1769,"end_word":1925,"sentiment":"neutral","sentiment_score":-0.09190894663333891},{"text":"But it just seems like you're kind of chasing and pushing yourself into a vulnerable position.","start_word":1926,"end_word":1941,"sentiment":"negative","sentiment_score":-0.6194077730178833},{"text":"And for what what kind of benefit is, I guess, the question. Yeah. So look. That's probably the option or just if it's still around in a couple months time, but it's just a bit unfortunate that you turn 60 a month after their lease ends, and the timing is just the way Yeah. the timing is. I could have a chat to him and tell him to hold out. They can tell all that for me, but I I don't know if they will. But it's worth a conversation. It's always worth Yeah. a conversation. I mean, You can't can't hurt to have the conversation at least. know? Yeah. Yeah. But I'll I'll note it down on the file that that's kind of something we may be looking at once you meet a condition of release.","start_word":1942,"end_word":2078,"sentiment":"neutral","sentiment_score":-0.026936767011010734},{"text":"But at the moment, yeah, it's a bit bit of hands tied behind the back, unfortunately.","start_word":2079,"end_word":2094,"sentiment":"negative","sentiment_score":-0.42513251304626465},{"text":"Yeah. Yeah. Yeah. Okay. Alright. Well, you know, it's not from not trying. But then I like I said, I could do it if I really wanted to do that, but I don't know whether my husband's gonna be happy about me pulling because I was gonna Yeah. use I was using his inheritance to do It doesn't it. sound like your heart's really into it. And, again, yeah, using up his Oh, inheritance. But well, it's my my heart's actually in it. I'm I'm quite keen to do it, but You're more my worried husband about him? more, he's kind of like, he's he's the one that's humming and hawing and carrying on. But so but we both Yeah. have to be on the same page. That's the only thing. So had I gone and got the loan and just had to pay the 38,000 deposit, then, yeah, that would have worked. But That would have been one thing, but this is another thing entirely. yeah. So adding an extra $12,000 on, you know, brings us up into what was it? 50. I think she said 50. 3,000 or something like that or 50,000. And that's Is that pretty 40? much everything. Yeah. So, you know, we're certainly not wealthy people. That's for sure. This is why I I I go on for a loan rather than you know? But I just yeah. I don't know. I just had this little desire to have an investment property. But anyway, I Yeah. And I'm I I always was happy to discuss the options with you because obviously, there's some things that you can and can't do and there's different pros and cons to everything, but I don't wanna kind of force something if it's gonna be dangerous for you. That's Yeah. Yeah. No. No. That's for sure. Yeah. I'll look. I'll all. you know, I'll just hold out and I'll see what happens. You know?","start_word":2095,"end_word":2419,"sentiment":"neutral","sentiment_score":-0.02475579662964894},{"text":"So if the property is still available then, well, then it's all good and well.","start_word":2420,"end_word":2434,"sentiment":"positive","sentiment_score":0.4135119318962097},{"text":"But this it's the likelihood that that house, if it sells to somebody else, that whoever buys it might wanna live in it because of the way the housing is these days. You know? Yeah. And we may like, we'll be touching Yeah. base with you this year as well because once you do hit that preservation age of 60, we may be looking at a bit of a transition strategy anyway. Yeah. And Yep. whether Mhmm. that incorporates the usage of the cash for a deposit, we can certainly talk about that. Yeah. So Yep. I might make sure you sort of clocked in for a bit of a quarterly quarterly catch up.","start_word":2435,"end_word":2548,"sentiment":"neutral","sentiment_score":0.19100138545036316},{"text":"And if anything changes around March, April, and you wanna give us a buzz and and book in to have another chat, that'd be fantastic.","start_word":2549,"end_word":2573,"sentiment":"positive","sentiment_score":0.44136708974838257},{"text":"Yeah. Sure. No worries.","start_word":2574,"end_word":2577,"sentiment":"neutral","sentiment_score":0.2504945695400238},{"text":"Awesome, Jay. Okay.","start_word":2578,"end_word":2580,"sentiment":"positive","sentiment_score":0.4778645634651184},{"text":"Anything else I can help you with today? No. No. Just that's mainly what I wanted to have a chat about and, yeah, and I have to sort out this other thing. It's certainly interesting one. And just a brief reminder to give Macquarie a call if you do have a second. And Yeah. just let the team know once that's all sorted, and they can get the finalization of the rollovers done. And then, again, we'll catch up in a couple of months time and see if there's some new things we can do to add a bit Yeah. of value or if there's some changes and maybe that opportunity is still there. Who knows? Yeah. Yeah. For sure. Okay then.","start_word":2581,"end_word":2702,"sentiment":"neutral","sentiment_score":0.14201082063258672},{"text":"Well, thank you for that.","start_word":2703,"end_word":2707,"sentiment":"positive","sentiment_score":0.5335017442703247},{"text":"And we'll most likely be talking in the near future. Or hopefully You are most be welcome, talking Janet. in hopefully be talking in the new new future.","start_word":2708,"end_word":2735,"sentiment":"neutral","sentiment_score":0.2572662830352783},{"text":"Absolutely. Absolutely.","start_word":2736,"end_word":2737,"sentiment":"positive","sentiment_score":0.4690014123916626},{"text":"Yeah. For the time being, I'll add some notes to your file and plug in for a bit of a catch up, and Yep. we'll talk to you soon. Okay.","start_word":2738,"end_word":2767,"sentiment":"neutral","sentiment_score":0.14968062937259674},{"text":"Thank you. Thank you so much. Have a good day. You too.","start_word":2768,"end_word":2779,"sentiment":"positive","sentiment_score":0.6864332556724548},{"text":"Bye bye.","start_word":2780,"end_word":2781,"sentiment":"neutral","sentiment_score":0.24714188277721405}],"average":{"sentiment":"neutral","sentiment_score":0.004160631688402922}}}}