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So before we jump into it, I do need to let you know our call is recorded. If I could get you some security for me? Just a full name, date of birth address. Cool. Okay. So you've previously talked with Tommy. Tommy kind of double booked himself today. I'm his head of advice, and he kinda swing phoned me in to to have a chat with you to be able to, I guess, ascertain where you're at. So I understand that you are currently going to divorce, and there's you're looking at possibly, I guess, coming into a little bit of money through the financial separation of things. Okay. So why don't you run me through okay. Cool. Run me through where we're at. Yep. Yeah. Yep. Mhmm. Yep. Okay. Which direction to go? Okay. Can I ask how much do we have sitting in the term deposit? K. And when does the term deposit come up? Okay. So it's seventeen days. So okay. So there's a couple of options. So you're right. Like, with property, property is obviously like, property is always an option when it comes to investing. However, one of the biggest things that we probably need to consider is the fact that the government has just with the budget that's just been released, there's not a lot of legislative changes around property, and negative gearing is off the table to any new purchases. So, I mean, doing wrong $400,000 is a lot to like, it's it's a decent decent deposit to buy into a property. So you're probably not gonna be necessarily, like, heavily negatively geared if you were to go and purchase a property. Yeah. Yep. Have it basically neutral or positively geared, so to speak. That way, you're not having to put a lot into it. Yeah. And can I can I ask, will your your income at the moment, like, do you have a considerable amount of savings each week after you or after all your expenses and everything? Yeah. Okay. So even if we did go down the line of purchasing properly, how much would you wanna put into like, would it be like, leave the 40,000 that you have in the savings account as available for emergencies and then put the 400 into the property? Yep. Would you wanna consider, say, maybe something similar to your superannuation structure so it's a little bit more liquid, or are you wanting to lock the money away? Because realistically speaking, property growth is a little bit questionable at the moment because of the changes in the government legislation. So it depends on how long you're looking to hold it and then, I guess, you know, what you're looking to do. Because, like, I I I understand, like, the the property you're at the moment, there is a chance that you could be able to buy, you know, if something happens to your parents and depending on what their health is and where they're sitting age wise. You know, if anything would happen, say, in five years' time, you might not have the growth in the property to be able to sell it, buy your sister out. Obviously, there's obviously the chance to be able to just move into that investment property, and it becomes your PPR. But it just, I guess, depends on which side of the coin you're happy with looking at, whether, you know, moving into the investment property is an option or whether you wanna keep it as an investment property and investment property only. Okay. Because there's always the other side of the coin where we can look say, what's called it IDPS or it's an it's an investment account. And we don't do silly things like invest in specific companies or, you know, specific individual securities. We go for holistic group so we have a wide range of different assets across different markets and different sectors. So we're not grouped, and we're not, you know that we reduce our risk. So we can always look at things like that. So similar structure to your superannuation, but it's a little bit more liquid. So if something happens or, you know, your parents do pass away, you have the capacity to be able to say sell down on those assets and buy your sister out. Cool. Yep. It depends on how we invest the funds, but anywhere from six to 12%. If we wanna go really aggressive, then I can we can look at sort of maybe 16%. Housing historically so if we look at housing over, like, the last fifty years, you're looking at, like, a 7.8% return using, you know, historical fifty year averages. Obviously, nothing's guaranteed. And at the moment, I am I'm a little bit more concerned about where the property market's going specifically in the next twelve to like, twelve months, two years. It's it's anyone's game. And, like, I've spoken to real estate agents. I've spoken to brokers and and lenders and stuff like that about their, I guess, their same their same thoughts just because there have been there there's a lot going on at the moment. And with that as well, there's the federal election coming up within the next twelve months. So that's going to create a huge sway. Like, the one nation party has a lot behind you at the moment and what that might look like. There's a push to possibly look at if people aren't in their house or it's not being used as a rental property forcing people to sell their houses. So that that could create a massive influx in availability. And then with that availability, housing prices could drop. Then there's then then there's the fact that superannuation funds, SMSFs, are no longer allowed to borrow money to purchase a property. So that's now going to Unless she has the money to be able to buy outright, she is no longer able to do that. The government with the with the change in the legislation have prevented SMSF funds from being able to engage in what's called a LBRA. So it's a a leverage borrowing arrangement, basically. And for residential for residential properties, you can still do it for for most most commercial properties. There is some caveat to that that statement. And then there's obviously the negative gearing changes and the changes to capital gains. There's a lot there's a lot that's been released in that area, and a lot of it is kind of it's all very property. And so there's a lot of a lot of, I guess, people in my industry and industry adjacent that are considering what that might actually look like and whether that means that we're going to hit a bit of a property downturn, which, look, could be a great buying opportunity. Yeah. But it's just it it doesn't it doesn't hit will it hit you know, I've been, you know, I've been talking to people for years ever since COVID. Never was like, you know, the market's inflated. The property market will come down. The property market will come down. And COVID was six years six and a half years ago now when it first hit us, and I'm yet to see the markets go down. Yep. Was the capital gain 300,000, or was the actual tax obligation 300,000? Because if the tax obligation was 300,000, then, yes, I do feel sorry for them. But that means they made a lot, like, a lot a lot. Like, they would've yes. Yep. Okay. Yep. That's where it is. Yep. They they made a million dollars. Yeah. And they they would've they would've gotten a a concession. It still shouldn't have been even on a million dollar gain. I mean, I'd be interested to see the figures just because it's my own curiosity. Okay. Yeah. Well, they yeah. The capital the capital gain is gonna be no. So they bought for 60,000, and let's just say they sold that they sold for 1.3, so it's gonna basically be 1.25 in a gain. If they own it equally together, that'll decrease. They'll drop in half because each of them have their own, and then they'll get a discount from there. So it basically comes to 1.25 divided by four. Let's do the math because that's what we're about. Divided by four becomes oh, yeah. The 312,000. Cool. So that's why he's got the $300,000. So that's just that's what he's gonna be taxed on is what he's saying. The actual tax obligation is not gonna be not gonna be 300,000. It's just gonna be as if they eat it's actually gonna be each of them. Each of them earn 300,000 for the year, which don't get me wrong. A $300,000 income is still a little bit. Yeah. It's just a little bit. So what's $3.12? 312,000 as a tax obligation. They're looking at about a $117,000 for the tax age. If there's anything that that that obviously would have been things in the sale of the property that they can deduct, and there'll be things for the year that they're able to to deduct as well. So that's just me saying that that's the tax on that, not necessarily anything else. But, yeah, it is a bit. Yeah. You pay in tax. No. Yeah. Yeah. Yeah. So it's basically, you you purchased this asset for this amount of money. So let's let's go stocks and shares. Right? So you buy, say, a thousand dollars worth of stocks, and over the twelve month period, it increases and doubles. So the calculation is really easy. It's the base cost, which is what you bought it for a thousand dollars, and it's the sale price. So sale price minus base cost equals your capital gain. So in this instance, bought it for a thousand dollars, sold it for $2,000. Your capital gain is a thousand dollars. So what happens with that thousand dollars is that gets added to your taxable income, and from there, you get taxed on that. Yeah. Yes. Which his accountant will be able to help him out anyway. And there'll be there'll be deductions that he's able to make because there's fees that he would have paid through the sale of the property and agencies and all the rest of the things that he'll be able to he'll be able to deduct deduct things. Unless he sold the property on the July 1 year, he would have accrued and accumulated, you know, interest or some something on the property during that period of time. The rates have to be paid. Things have to happen. Yes. He'll be a little bit happy. He'll have a laugh. Yeah. Yeah. I mean, we could just like, I I know that you're scheduled in with Tommy for, like, a six monthly catch up, which is sort of four months away or so. So I think just having, like, those more, like, you know, three monthly catch ups with Tommy and or myself either way to just kind of keep your finger on the pulse, have those forward discussions, and go from there. The biggest issue is is if you go term deposit again, you're locking that money in. And if you need access to it, you have the break costs, which generally the brake costs are. You lose some of the interest. It's not generally a fee unless depending on how your actual structure is. So you just wanna be a little bit kind of cautious about that side of things. Not trying to dissuade you from locking it in or getting the return. Don't put it in an old bank account. That's generally pretty silly. You wanna try and get some decent return, especially for that amount of money. I'd have to look at it, which I can look at, and I can send it through to you. So that way, you have a bit of a yeah. That's okay. Yeah. I'll look at it, and I'll get you something next week. Happy days. Do you want me to send you through a simpler statement that probably looks more to what you're not used to? I can do that. I'll draw one up, and I'll send it to you. Like, the the adviser or the actual account? Yeah. I don't know. Some dollars. Yeah. No. I'll I'll send you through a statement that's a little bit, I guess, easier to to follow. No. That's too easy. What I actually do is because following Omi's conversation with you in May, he did send you, like, the the annual review pack, and that that remains unsigned. So I'll send that through to you again if you can have a look at that and sign it. But then I'll email you with, like, a breakdown on the super, and and I'll I'll draw some figures on what it would look like to invest the the money you have in the term deposit as well. Ab? Ten katie mad @gmail.com. Cool. Cool. Absolutely. My pleasure. I will get cracking on this. It will be next week just because it'll take me a little bit of time to to do other things amongst all my other tasks. But I'll get it through to you. I'll just email it, and I'll I'll send you a text message to let you know that I've emailed you. No. My absolute pleasure. I will yes. Yeah. Larissa. Yeah. No. Absolutely. My pleasure. I'll I'll get that information through to you. And if you have any questions, I'll I'll cc Tommy in. But feel free to come back to either of us with any questions, and we can kinda go from there. This is my pleasure. You too. Bye, Tanya. 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Tanya. Larissa from Oakview Financial. How are you going? Good. I am so sorry I'm calling you a bit late.\n\nI got hung up on another call client. Have I still got you at a good time? Perfect. So before we jump into it, I do need to let you know our call is recorded. If I could get you some security for me?\n\nJust a full name, date of birth address. Cool. Okay. So you've previously talked with Tommy. Tommy kind of double booked himself today.\n\nI'm his head of advice, and he kinda swing phoned me in to to have a chat with you to be able to, I guess, ascertain where you're at. So I understand that you are currently going to divorce, and there's you're looking at possibly, I guess, coming into a little bit of money through the financial separation of things. Okay. So why don't you run me through okay. Cool.\n\nRun me through where we're at. Yep. Yeah. Yep. Mhmm.\n\nYep. Okay. Which direction to go? Okay. Can I ask how much do we have sitting in the term deposit?\n\nK. And when does the term deposit come up? Okay. So it's seventeen days. So okay.\n\nSo there's a couple of options. So you're right. Like, with property, property is obviously like, property is always an option when it comes to investing. However, one of the biggest things that we probably need to consider is the fact that the government has just with the budget that's just been released, there's not a lot of legislative changes around property, and negative gearing is off the table to any new purchases. So, I mean, doing wrong $400,000 is a lot to like, it's it's a decent decent deposit to buy into a property.\n\nSo you're probably not gonna be necessarily, like, heavily negatively geared if you were to go and purchase a property. Yeah. Yep. Have it basically neutral or positively geared, so to speak. That way, you're not having to put a lot into it.\n\nYeah. And can I can I ask, will your your income at the moment, like, do you have a considerable amount of savings each week after you or after all your expenses and everything? Yeah. Okay. So even if we did go down the line of purchasing properly, how much would you wanna put into like, would it be like, leave the 40,000 that you have in the savings account as available for emergencies and then put the 400 into the property?\n\nYep. Would you wanna consider, say, maybe something similar to your superannuation structure so it's a little bit more liquid, or are you wanting to lock the money away? Because realistically speaking, property growth is a little bit questionable at the moment because of the changes in the government legislation. So it depends on how long you're looking to hold it and then, I guess, you know, what you're looking to do. Because, like, I I I understand, like, the the property you're at the moment, there is a chance that you could be able to buy, you know, if something happens to your parents and depending on what their health is and where they're sitting age wise.\n\nYou know, if anything would happen, say, in five years' time, you might not have the growth in the property to be able to sell it, buy your sister out. Obviously, there's obviously the chance to be able to just move into that investment property, and it becomes your PPR. But it just, I guess, depends on which side of the coin you're happy with looking at, whether, you know, moving into the investment property is an option or whether you wanna keep it as an investment property and investment property only. Okay. Because there's always the other side of the coin where we can look say, what's called it IDPS or it's an it's an investment account.\n\nAnd we don't do silly things like invest in specific companies or, you know, specific individual securities. We go for holistic group so we have a wide range of different assets across different markets and different sectors. So we're not grouped, and we're not, you know that we reduce our risk. So we can always look at things like that. So similar structure to your superannuation, but it's a little bit more liquid.\n\nSo if something happens or, you know, your parents do pass away, you have the capacity to be able to say sell down on those assets and buy your sister out. Cool. Yep. It depends on how we invest the funds, but anywhere from six to 12%. If we wanna go really aggressive, then I can we can look at sort of maybe 16%.\n\nHousing historically so if we look at housing over, like, the last fifty years, you're looking at, like, a 7.8% return using, you know, historical fifty year averages. Obviously, nothing's guaranteed. And at the moment, I am I'm a little bit more concerned about where the property market's going specifically in the next twelve to like, twelve months, two years. It's it's anyone's game. And, like, I've spoken to real estate agents.\n\nI've spoken to brokers and and lenders and stuff like that about their, I guess, their same their same thoughts just because there have been there there's a lot going on at the moment. And with that as well, there's the federal election coming up within the next twelve months. So that's going to create a huge sway. Like, the one nation party has a lot behind you at the moment and what that might look like. There's a push to possibly look at if people aren't in their house or it's not being used as a rental property forcing people to sell their houses.\n\nSo that that could create a massive influx in availability. And then with that availability, housing prices could drop. Then there's then then there's the fact that superannuation funds, SMSFs, are no longer allowed to borrow money to purchase a property. So that's now going to Unless she has the money to be able to buy outright, she is no longer able to do that. The government with the with the change in the legislation have prevented SMSF funds from being able to engage in what's called a LBRA.\n\nSo it's a a leverage borrowing arrangement, basically. And for residential for residential properties, you can still do it for for most most commercial properties. There is some caveat to that that statement. And then there's obviously the negative gearing changes and the changes to capital gains. There's a lot there's a lot that's been released in that area, and a lot of it is kind of it's all very property.\n\nAnd so there's a lot of a lot of, I guess, people in my industry and industry adjacent that are considering what that might actually look like and whether that means that we're going to hit a bit of a property downturn, which, look, could be a great buying opportunity. Yeah. But it's just it it doesn't it doesn't hit will it hit you know, I've been, you know, I've been talking to people for years ever since COVID. Never was like, you know, the market's inflated. The property market will come down.\n\nThe property market will come down. And COVID was six years six and a half years ago now when it first hit us, and I'm yet to see the markets go down. Yep. Was the capital gain 300,000, or was the actual tax obligation 300,000? Because if the tax obligation was 300,000, then, yes, I do feel sorry for them.\n\nBut that means they made a lot, like, a lot a lot. Like, they would've yes. Yep. Okay. Yep.\n\nThat's where it is. Yep. They they made a million dollars. Yeah. And they they would've they would've gotten a a concession.\n\nIt still shouldn't have been even on a million dollar gain. I mean, I'd be interested to see the figures just because it's my own curiosity. Okay. Yeah. Well, they yeah.\n\nThe capital the capital gain is gonna be no. So they bought for 60,000, and let's just say they sold that they sold for 1.3, so it's gonna basically be 1.25 in a gain. If they own it equally together, that'll decrease. They'll drop in half because each of them have their own, and then they'll get a discount from there. So it basically comes to 1.25 divided by four.\n\nLet's do the math because that's what we're about. Divided by four becomes oh, yeah. The 312,000. Cool. So that's why he's got the $300,000.\n\nSo that's just that's what he's gonna be taxed on is what he's saying. The actual tax obligation is not gonna be not gonna be 300,000. It's just gonna be as if they eat it's actually gonna be each of them. Each of them earn 300,000 for the year, which don't get me wrong. A $300,000 income is still a little bit.\n\nYeah. It's just a little bit. So what's $3.12? 312,000 as a tax obligation. They're looking at about a $117,000 for the tax age.\n\nIf there's anything that that that obviously would have been things in the sale of the property that they can deduct, and there'll be things for the year that they're able to to deduct as well. So that's just me saying that that's the tax on that, not necessarily anything else. But, yeah, it is a bit. Yeah. You pay in tax.\n\nNo. Yeah. Yeah. Yeah. So it's basically, you you purchased this asset for this amount of money.\n\nSo let's let's go stocks and shares. Right? So you buy, say, a thousand dollars worth of stocks, and over the twelve month period, it increases and doubles. So the calculation is really easy. It's the base cost, which is what you bought it for a thousand dollars, and it's the sale price.\n\nSo sale price minus base cost equals your capital gain. So in this instance, bought it for a thousand dollars, sold it for $2,000. Your capital gain is a thousand dollars. So what happens with that thousand dollars is that gets added to your taxable income, and from there, you get taxed on that. Yeah.\n\nYes. Which his accountant will be able to help him out anyway. And there'll be there'll be deductions that he's able to make because there's fees that he would have paid through the sale of the property and agencies and all the rest of the things that he'll be able to he'll be able to deduct deduct things. Unless he sold the property on the July 1 year, he would have accrued and accumulated, you know, interest or some something on the property during that period of time. The rates have to be paid.\n\nThings have to happen. Yes. He'll be a little bit happy. He'll have a laugh. Yeah.\n\nYeah. I mean, we could just like, I I know that you're scheduled in with Tommy for, like, a six monthly catch up, which is sort of four months away or so. So I think just having, like, those more, like, you know, three monthly catch ups with Tommy and or myself either way to just kind of keep your finger on the pulse, have those forward discussions, and go from there. The biggest issue is is if you go term deposit again, you're locking that money in. And if you need access to it, you have the break costs, which generally the brake costs are.\n\nYou lose some of the interest. It's not generally a fee unless depending on how your actual structure is. So you just wanna be a little bit kind of cautious about that side of things. Not trying to dissuade you from locking it in or getting the return. Don't put it in an old bank account.\n\nThat's generally pretty silly. You wanna try and get some decent return, especially for that amount of money. I'd have to look at it, which I can look at, and I can send it through to you. So that way, you have a bit of a yeah. That's okay.\n\nYeah. I'll look at it, and I'll get you something next week. Happy days. Do you want me to send you through a simpler statement that probably looks more to what you're not used to? I can do that.\n\nI'll draw one up, and I'll send it to you. Like, the the adviser or the actual account? Yeah. I don't know. Some dollars.\n\nYeah. No. I'll I'll send you through a statement that's a little bit, I guess, easier to to follow. No. That's too easy.\n\nWhat I actually do is because following Omi's conversation with you in May, he did send you, like, the the annual review pack, and that that remains unsigned. So I'll send that through to you again if you can have a look at that and sign it. But then I'll email you with, like, a breakdown on the super, and and I'll I'll draw some figures on what it would look like to invest the the money you have in the term deposit as well. Ab? Ten katie mad @gmail.com.\n\nCool. Cool. Absolutely. My pleasure. I will get cracking on this.\n\nIt will be next week just because it'll take me a little bit of time to to do other things amongst all my other tasks. But I'll get it through to you. I'll just email it, and I'll I'll send you a text message to let you know that I've emailed you. No. My absolute pleasure.\n\nI will yes. Yeah. Larissa. Yeah. No.\n\nAbsolutely. My pleasure. I'll I'll get that information through to you. And if you have any questions, I'll I'll cc Tommy in. But feel free to come back to either of us with any questions, and we can kinda go from there.\n\nThis is my pleasure. You too. Bye, Tanya. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Tanya.","start":1.92,"end":2.98,"sentiment":"neutral","sentiment_score":0.18911991268396378},{"text":"Larissa from Oakview Financial.","start":3.04,"end":4.4,"sentiment":"neutral","sentiment_score":0.21053964272141457},{"text":"How are you going?","start":4.4,"end":5.2999997,"sentiment":"neutral","sentiment_score":0.2465977892279625},{"text":"Good.","start":7.2,"end":7.52,"sentiment":"neutral","sentiment_score":0.2441841661930084},{"text":"I am so sorry I'm calling you a bit late.","start":7.52,"end":9.2,"sentiment":"neutral","sentiment_score":-0.22370558381080627}],"sentiment":"neutral","sentiment_score":0.01018656577382769,"num_words":21,"start":1.92,"end":9.2},{"sentences":[{"text":"I got hung up on another call client.","start":9.2,"end":11.78,"sentiment":"neutral","sentiment_score":-0.24915849417448044},{"text":"Have I still got you at a good time?","start":12.639999,"end":14.34,"sentiment":"neutral","sentiment_score":-0.033307555235094495},{"text":"Perfect.","start":17.165,"end":17.665,"sentiment":"positive","sentiment_score":0.3726255297660827},{"text":"So before we jump into it, I do need to let you know our call is recorded.","start":17.885,"end":21.425,"sentiment":"neutral","sentiment_score":0.030603897155207747},{"text":"If I could get you some security for me?","start":21.565,"end":23.905,"sentiment":"neutral","sentiment_score":0.020675821643736627}],"sentiment":"neutral","sentiment_score":-0.027592313052578407,"num_words":44,"start":9.2,"end":23.905},{"sentences":[{"text":"Just a full name, date of birth address.","start":24.525002,"end":26.385,"sentiment":"neutral","sentiment_score":0.04028180614113808},{"text":"Cool.","start":34.76,"end":35.26,"sentiment":"neutral","sentiment_score":0.13318081200122833},{"text":"Okay.","start":36.36,"end":36.84,"sentiment":"neutral","sentiment_score":0.04571681097149849},{"text":"So you've previously talked with Tommy.","start":36.84,"end":39.48,"sentiment":"neutral","sentiment_score":-0.028424905457844336},{"text":"Tommy kind of double booked himself today.","start":39.48,"end":42.125,"sentiment":"neutral","sentiment_score":-0.19079814638410295}],"sentiment":"neutral","sentiment_score":-0.04369497327538936,"num_words":23,"start":24.525002,"end":42.125},{"sentences":[{"text":"I'm his head of advice, and he kinda swing phoned me in to to have a chat with you to be able to, I guess, ascertain where you're at.","start":42.185,"end":51.945,"sentiment":"neutral","sentiment_score":-0.03535039519794799},{"text":"So I understand that you are currently going to divorce, and there's you're looking at possibly, I guess, coming into a little bit of money through the financial separation of things.","start":51.945,"end":62.350002,"sentiment":"neutral","sentiment_score":-0.12850426377788668},{"text":"Okay.","start":63.77,"end":64.270004,"sentiment":"neutral","sentiment_score":-0.030895326286554337},{"text":"So why don't you run me through okay.","start":64.33,"end":66.89,"sentiment":"neutral","sentiment_score":-0.06510537443682551},{"text":"Cool.","start":66.89,"end":67.37,"sentiment":"neutral","sentiment_score":0.04840756207704544}],"sentiment":"neutral","sentiment_score":-0.07874463425084416,"num_words":70,"start":42.185,"end":67.37},{"sentences":[{"text":"Run me through where we're at.","start":67.37,"end":68.75,"sentiment":"neutral","sentiment_score":-0.0074513691167036695},{"text":"Yep.","start":80.104996,"end":80.604996,"sentiment":"neutral","sentiment_score":-0.002099311677739024},{"text":"Yeah.","start":84.44,"end":84.94,"sentiment":"neutral","sentiment_score":-0.011105552315711977},{"text":"Yep.","start":138.68999,"end":139.18999,"sentiment":"neutral","sentiment_score":0.15233175456523895},{"text":"Mhmm.","start":150.86499,"end":150.94499,"sentiment":"neutral","sentiment_score":0.022897733375430107}],"sentiment":"neutral","sentiment_score":0.011731640924699605,"num_words":10,"start":67.37,"end":150.94499},{"sentences":[{"text":"Yep.","start":150.94499,"end":151.44499,"sentiment":"neutral","sentiment_score":0.07815543562173843},{"text":"Okay.","start":151.58499,"end":152.08499,"sentiment":"neutral","sentiment_score":0.039314378052949905},{"text":"Which direction to go?","start":180.015,"end":181.39499,"sentiment":"neutral","sentiment_score":-0.01709641981869936},{"text":"Okay.","start":182.62999,"end":183.12999,"sentiment":"neutral","sentiment_score":0.04676345735788345},{"text":"Can I ask how much do we have sitting in the term deposit?","start":183.43,"end":186.97,"sentiment":"neutral","sentiment_score":0.054836203129245684}],"sentiment":"neutral","sentiment_score":0.04043591162189841,"num_words":20,"start":150.94499,"end":186.97},{"sentences":[{"text":"K.","start":206.065,"end":206.565,"sentiment":"neutral","sentiment_score":0.020331580191850666},{"text":"And when does the term deposit come up?","start":209.69,"end":211.47,"sentiment":"neutral","sentiment_score":0.022630349500104785},{"text":"Okay.","start":215.61,"end":216.11,"sentiment":"neutral","sentiment_score":0.04865686967968941},{"text":"So it's seventeen days.","start":216.97,"end":218.17,"sentiment":"neutral","sentiment_score":0.038460783660411835},{"text":"So okay.","start":218.17,"end":220.34999,"sentiment":"neutral","sentiment_score":0.12097769603133202}],"sentiment":"neutral","sentiment_score":0.04036436078604311,"num_words":16,"start":206.065,"end":220.34999},{"sentences":[{"text":"So there's a couple of options.","start":220.725,"end":222.425,"sentiment":"neutral","sentiment_score":0.13081476837396622},{"text":"So you're right.","start":222.565,"end":223.365,"sentiment":"neutral","sentiment_score":0.25673069059848785},{"text":"Like, with property, property is obviously like, property is always an option when it comes to investing.","start":223.365,"end":227.865,"sentiment":"neutral","sentiment_score":0.15427882399629145},{"text":"However, one of the biggest things that we probably need to consider is the fact that the government has just with the budget that's just been released, there's not a lot of legislative changes around property, and negative gearing is off the table to any new purchases.","start":228.645,"end":244.82,"sentiment":"neutral","sentiment_score":-0.24766095378931532},{"text":"So, I mean, doing wrong $400,000 is a lot to like, it's it's a decent decent deposit to buy into a property.","start":245.52,"end":252.815,"sentiment":"neutral","sentiment_score":-0.16662028431892395}],"sentiment":"neutral","sentiment_score":-0.11713568834882034,"num_words":95,"start":220.725,"end":252.815},{"sentences":[{"text":"So you're probably not gonna be necessarily, like, heavily negatively geared if you were to go and purchase a property.","start":252.815,"end":261.795,"sentiment":"neutral","sentiment_score":-0.25885826610028745},{"text":"Yeah.","start":273.49,"end":273.99,"sentiment":"positive","sentiment_score":0.34162086248397827},{"text":"Yep.","start":279.185,"end":279.505,"sentiment":"positive","sentiment_score":0.3647281527519226},{"text":"Have it basically neutral or positively geared, so to speak.","start":279.505,"end":282.965,"sentiment":"positive","sentiment_score":0.3606481522321701},{"text":"That way, you're not having to put a lot into it.","start":284.465,"end":286.64502,"sentiment":"neutral","sentiment_score":0.08570692891424353}],"sentiment":"neutral","sentiment_score":0.001824219386244929,"num_words":43,"start":252.815,"end":286.64502},{"sentences":[{"text":"Yeah.","start":295.0,"end":295.5,"sentiment":"neutral","sentiment_score":-0.19119533896446228},{"text":"And can I can I ask, will your your income at the moment, like, do you have a considerable amount of savings each week after you or after all your expenses and everything?","start":298.68,"end":309.44498,"sentiment":"neutral","sentiment_score":-0.08000332613786061},{"text":"Yeah.","start":319.3,"end":319.8,"sentiment":"neutral","sentiment_score":0.13471555709838867},{"text":"Okay.","start":346.74,"end":347.24,"sentiment":"neutral","sentiment_score":0.1856108605861664},{"text":"So even if we did go down the line of purchasing properly, how much would you wanna put into like, would it be like, leave the 40,000 that you have in the savings account as available for emergencies and then put the 400 into the property?","start":349.3,"end":363.555,"sentiment":"neutral","sentiment_score":0.09974186656915623}],"sentiment":"neutral","sentiment_score":0.025331063150632674,"num_words":82,"start":295.0,"end":363.555},{"sentences":[{"text":"Yep.","start":365.775,"end":366.27,"sentiment":"neutral","sentiment_score":0.1308837532997131},{"text":"Would you wanna consider, say, maybe something similar to your superannuation structure so it's a little bit more liquid, or are you wanting to lock the money away?","start":367.15,"end":375.15,"sentiment":"neutral","sentiment_score":-0.03502442301916225},{"text":"Because realistically speaking, property growth is a little bit questionable at the moment because of the changes in the government legislation.","start":375.15,"end":384.725,"sentiment":"negative","sentiment_score":-0.3761399182535353},{"text":"So it depends on how long you're looking to hold it and then, I guess, you know, what you're looking to do.","start":385.665,"end":391.905,"sentiment":"neutral","sentiment_score":-0.06008360026912256},{"text":"Because, like, I I I understand, like, the the property you're at the moment, there is a chance that you could be able to buy, you know, if something happens to your parents and depending on what their health is and where they're sitting age wise.","start":391.905,"end":401.34998,"sentiment":"neutral","sentiment_score":0.011565522027566381}],"sentiment":"neutral","sentiment_score":-0.08083528446791283,"num_words":118,"start":365.775,"end":401.34998},{"sentences":[{"text":"You know, if anything would happen, say, in five years' time, you might not have the growth in the property to be able to sell it, buy your sister out.","start":401.88998,"end":409.585,"sentiment":"neutral","sentiment_score":-0.11111773413916429},{"text":"Obviously, there's obviously the chance to be able to just move into that investment property, and it becomes your PPR.","start":409.805,"end":414.145,"sentiment":"neutral","sentiment_score":0.18553146719932556},{"text":"But it just, I guess, depends on which side of the coin you're happy with looking at, whether, you know, moving into the investment property is an option or whether you wanna keep it as an investment property and investment property only.","start":414.925,"end":429.44,"sentiment":"neutral","sentiment_score":0.0879698499505009},{"text":"Okay.","start":430.86002,"end":431.36002,"sentiment":"neutral","sentiment_score":0.08002665638923645},{"text":"Because there's always the other side of the coin where we can look say, what's called it IDPS or it's an it's an investment account.","start":431.58002,"end":438.255,"sentiment":"neutral","sentiment_score":0.06699504509568215}],"sentiment":"neutral","sentiment_score":0.049379100012829746,"num_words":118,"start":401.88998,"end":438.255},{"sentences":[{"text":"And we don't do silly things like invest in specific companies or, you know, specific individual securities.","start":439.51498,"end":447.695,"sentiment":"neutral","sentiment_score":0.02184152603149414},{"text":"We go for holistic group so we have a wide range of different assets across different markets and different sectors.","start":448.155,"end":457.00998,"sentiment":"neutral","sentiment_score":0.14079218693077564},{"text":"So we're not grouped, and we're not, you know that we reduce our risk.","start":457.00998,"end":461.34998,"sentiment":"neutral","sentiment_score":-0.0009154374711215496},{"text":"So we can always look at things like that.","start":462.61,"end":464.675,"sentiment":"neutral","sentiment_score":0.1472589241133796},{"text":"So similar structure to your superannuation, but it's a little bit more liquid.","start":465.13498,"end":468.51498,"sentiment":"neutral","sentiment_score":0.04373655153008608}],"sentiment":"neutral","sentiment_score":0.0694279321022842,"num_words":73,"start":439.51498,"end":468.51498},{"sentences":[{"text":"So if something happens or, you know, your parents do pass away, you have the capacity to be able to say sell down on those assets and buy your sister out.","start":469.775,"end":481.85,"sentiment":"neutral","sentiment_score":-0.017443944369592974},{"text":"Cool.","start":492.64502,"end":493.14502,"sentiment":"positive","sentiment_score":0.3377887010574341},{"text":"Yep.","start":518.895,"end":519.395,"sentiment":"negative","sentiment_score":-0.5026082396507263},{"text":"It depends on how we invest the funds, but anywhere from six to 12%.","start":531.14996,"end":538.47504,"sentiment":"neutral","sentiment_score":-0.008794148386056935},{"text":"If we wanna go really aggressive, then I can we can look at sort of maybe 16%.","start":538.85504,"end":543.115,"sentiment":"neutral","sentiment_score":-0.01597446942811503}],"sentiment":"neutral","sentiment_score":-0.017191654245834798,"num_words":64,"start":469.775,"end":543.115},{"sentences":[{"text":"Housing historically so if we look at housing over, like, the last fifty years, you're looking at, like, a 7.8% return using, you know, historical fifty year averages.","start":544.935,"end":558.29,"sentiment":"neutral","sentiment_score":-0.04887791044477906},{"text":"Obviously, nothing's guaranteed.","start":561.63,"end":563.08997,"sentiment":"neutral","sentiment_score":-0.3065125544865926},{"text":"And at the moment, I am I'm a little bit more concerned about where the property market's going specifically in the next twelve to like, twelve months, two years.","start":563.39,"end":572.26495,"sentiment":"neutral","sentiment_score":-0.332336930365398},{"text":"It's it's anyone's game.","start":575.045,"end":576.32495,"sentiment":"neutral","sentiment_score":-0.23836719244718552},{"text":"And, like, I've spoken to real estate agents.","start":576.32495,"end":578.74,"sentiment":"neutral","sentiment_score":-0.10250544920563698}],"sentiment":"neutral","sentiment_score":-0.1902694791658885,"num_words":72,"start":544.935,"end":578.74},{"sentences":[{"text":"I've spoken to brokers and and lenders and stuff like that about their, I guess, their same their same thoughts just because there have been there there's a lot going on at the moment.","start":578.74,"end":592.16504,"sentiment":"neutral","sentiment_score":-0.1624730958000702},{"text":"And with that as well, there's the federal election coming up within the next twelve months.","start":592.16504,"end":598.185,"sentiment":"neutral","sentiment_score":-0.14320365386083722},{"text":"So that's going to create a huge sway.","start":599.445,"end":602.10504,"sentiment":"neutral","sentiment_score":0.08942811656743288},{"text":"Like, the one nation party has a lot behind you at the moment and what that might look like.","start":604.01996,"end":608.36,"sentiment":"neutral","sentiment_score":-0.2355541743730244},{"text":"There's a push to possibly look at if people aren't in their house or it's not being used as a rental property forcing people to sell their houses.","start":609.13995,"end":617.95996,"sentiment":"negative","sentiment_score":-0.4338673661862101}],"sentiment":"neutral","sentiment_score":-0.22594032716893014,"num_words":105,"start":578.74,"end":617.95996},{"sentences":[{"text":"So that that could create a massive influx in availability.","start":619.715,"end":623.97504,"sentiment":"neutral","sentiment_score":-0.24767890572547913},{"text":"And then with that availability, housing prices could drop.","start":624.995,"end":628.195,"sentiment":"negative","sentiment_score":-0.3732530739572313},{"text":"Then there's then then there's the fact that superannuation funds, SMSFs, are no longer allowed to borrow money to purchase a property.","start":628.195,"end":637.66003,"sentiment":"neutral","sentiment_score":-0.16059049726887184},{"text":"So that's now going to Unless she has the money to be able to buy outright, she is no longer able to do that.","start":638.36,"end":658.8,"sentiment":"neutral","sentiment_score":-0.17020888665380576},{"text":"The government with the with the change in the legislation have prevented SMSF funds from being able to engage in what's called a LBRA.","start":658.8,"end":668.02,"sentiment":"neutral","sentiment_score":-0.22352056919286648}],"sentiment":"neutral","sentiment_score":-0.21144454610230548,"num_words":89,"start":619.715,"end":668.02},{"sentences":[{"text":"So it's a a leverage borrowing arrangement, basically.","start":668.48,"end":671.38,"sentiment":"neutral","sentiment_score":-0.03604958509095013},{"text":"And for residential for residential properties, you can still do it for for most most commercial properties.","start":672.79504,"end":681.11505,"sentiment":"neutral","sentiment_score":0.1265466070788748},{"text":"There is some caveat to that that statement.","start":681.11505,"end":684.655,"sentiment":"neutral","sentiment_score":-0.1510104425251484},{"text":"And then there's obviously the negative gearing changes and the changes to capital gains.","start":686.33,"end":692.08997,"sentiment":"neutral","sentiment_score":-0.31199235362665995},{"text":"There's a lot there's a lot that's been released in that area, and a lot of it is kind of it's all very property.","start":692.08997,"end":700.02997,"sentiment":"neutral","sentiment_score":-0.11155531539892156}],"sentiment":"neutral","sentiment_score":-0.09000575240753905,"num_words":71,"start":668.48,"end":700.02997},{"sentences":[{"text":"And so there's a lot of a lot of, I guess, people in my industry and industry adjacent that are considering what that might actually look like and whether that means that we're going to hit a bit of a property downturn, which, look, could be a great buying opportunity.","start":702.40497,"end":721.68,"sentiment":"neutral","sentiment_score":-0.1339176830649376},{"text":"Yeah.","start":722.86005,"end":723.18,"sentiment":"neutral","sentiment_score":0.05582671612501144},{"text":"But it's just it it doesn't it doesn't hit will it hit you know, I've been, you know, I've been talking to people for years ever since COVID.","start":723.18,"end":730.115,"sentiment":"neutral","sentiment_score":-0.1208389372165714},{"text":"Never was like, you know, the market's inflated.","start":730.115,"end":731.655,"sentiment":"neutral","sentiment_score":-0.25362669862806797},{"text":"The property market will come down.","start":731.715,"end":732.755,"sentiment":"neutral","sentiment_score":-0.3240266293287277}],"sentiment":"neutral","sentiment_score":-0.15050237681916964,"num_words":93,"start":702.40497,"end":732.755},{"sentences":[{"text":"The property market will come down.","start":732.755,"end":734.135,"sentiment":"negative","sentiment_score":-0.3922826449076335},{"text":"And COVID was six years six and a half years ago now when it first hit us, and I'm yet to see the markets go down.","start":734.275,"end":742.375,"sentiment":"neutral","sentiment_score":-0.21575384587049484},{"text":"Yep.","start":757.125,"end":757.625,"sentiment":"neutral","sentiment_score":-0.1466267704963684},{"text":"Was the capital gain 300,000, or was the actual tax obligation 300,000?","start":771.74,"end":776.14,"sentiment":"neutral","sentiment_score":-0.1825497274597486},{"text":"Because if the tax obligation was 300,000, then, yes, I do feel sorry for them.","start":776.14,"end":781.42,"sentiment":"negative","sentiment_score":-0.38841038942337036}],"sentiment":"neutral","sentiment_score":-0.2687779200573762,"num_words":60,"start":732.755,"end":781.42},{"sentences":[{"text":"But that means they made a lot, like, a lot a lot.","start":781.42,"end":784.94,"sentiment":"neutral","sentiment_score":-0.18634599028155208},{"text":"Like, they would've yes.","start":784.94,"end":788.875,"sentiment":"neutral","sentiment_score":-0.02726026251912117},{"text":"Yep.","start":797.815,"end":798.315,"sentiment":"neutral","sentiment_score":-0.00696246325969696},{"text":"Okay.","start":801.66003,"end":802.14,"sentiment":"neutral","sentiment_score":0.05467771366238594},{"text":"Yep.","start":802.14,"end":802.54004,"sentiment":"neutral","sentiment_score":0.06406496465206146}],"sentiment":"neutral","sentiment_score":-0.11754803781054522,"num_words":19,"start":781.42,"end":802.54004},{"sentences":[{"text":"That's where it is.","start":802.54004,"end":803.60004,"sentiment":"neutral","sentiment_score":0.051775481551885605},{"text":"Yep.","start":803.82,"end":804.14,"sentiment":"neutral","sentiment_score":0.09236180782318117},{"text":"They they made a million dollars.","start":804.14,"end":805.92,"sentiment":"neutral","sentiment_score":0.15339839706818262},{"text":"Yeah.","start":808.7,"end":809.2,"sentiment":"neutral","sentiment_score":0.12548860907554626},{"text":"And they they would've they would've gotten a a concession.","start":809.58,"end":812.16003,"sentiment":"neutral","sentiment_score":-0.15826399251818657}],"sentiment":"neutral","sentiment_score":-0.010786236348477278,"num_words":22,"start":802.54004,"end":812.16003},{"sentences":[{"text":"It still shouldn't have been even on a million dollar gain.","start":813.03503,"end":815.775,"sentiment":"neutral","sentiment_score":-0.24383682012557983},{"text":"I mean, I'd be interested to see the figures just because it's my own curiosity.","start":818.635,"end":822.41504,"sentiment":"neutral","sentiment_score":-0.038196196251859264},{"text":"Okay.","start":828.08997,"end":828.49,"sentiment":"neutral","sentiment_score":-0.00870499201118946},{"text":"Yeah.","start":828.49,"end":828.88995,"sentiment":"neutral","sentiment_score":-0.010608568787574768},{"text":"Well, they yeah.","start":828.88995,"end":830.02997,"sentiment":"neutral","sentiment_score":-0.04682482530673345}],"sentiment":"neutral","sentiment_score":-0.11015922586703973,"num_words":31,"start":813.03503,"end":830.02997},{"sentences":[{"text":"The capital the capital gain is gonna be no.","start":830.08997,"end":834.82996,"sentiment":"neutral","sentiment_score":-0.2477386991182963},{"text":"So they bought for 60,000, and let's just say they sold that they sold for 1.3, so it's gonna basically be 1.25 in a gain.","start":835.85,"end":844.865,"sentiment":"neutral","sentiment_score":-0.07745104745030403},{"text":"If they own it equally together, that'll decrease.","start":845.00494,"end":847.725,"sentiment":"neutral","sentiment_score":-0.1709553673863411},{"text":"They'll drop in half because each of them have their own, and then they'll get a discount from there.","start":847.725,"end":854.17004,"sentiment":"neutral","sentiment_score":-0.05304357968270779},{"text":"So it basically comes to 1.25 divided by four.","start":854.17004,"end":857.23004,"sentiment":"neutral","sentiment_score":-0.008552611081136597}],"sentiment":"neutral","sentiment_score":-0.09454812758735248,"num_words":70,"start":830.08997,"end":857.23004},{"sentences":[{"text":"Let's do the math because that's what we're about.","start":858.41003,"end":860.59,"sentiment":"neutral","sentiment_score":0.09215338279803593},{"text":"Divided by four becomes oh, yeah.","start":862.25,"end":864.33,"sentiment":"neutral","sentiment_score":0.08339959258834521},{"text":"The 312,000.","start":864.33,"end":865.755,"sentiment":"neutral","sentiment_score":0.09871621057391167},{"text":"Cool.","start":865.835,"end":866.155,"sentiment":"positive","sentiment_score":0.5643360018730164},{"text":"So that's why he's got the $300,000.","start":866.155,"end":867.995,"sentiment":"neutral","sentiment_score":0.2783811220100948}],"sentiment":"neutral","sentiment_score":0.1616085711121559,"num_words":25,"start":858.41003,"end":867.995},{"sentences":[{"text":"So that's just that's what he's gonna be taxed on is what he's saying.","start":867.995,"end":872.015,"sentiment":"neutral","sentiment_score":0.15234409964510373},{"text":"The actual tax obligation is not gonna be not gonna be 300,000.","start":872.075,"end":877.03503,"sentiment":"neutral","sentiment_score":-0.17226634919643402},{"text":"It's just gonna be as if they eat it's actually gonna be each of them.","start":877.03503,"end":881.77997,"sentiment":"neutral","sentiment_score":0.03431632183492184},{"text":"Each of them earn 300,000 for the year, which don't get me wrong.","start":882.0,"end":886.02,"sentiment":"neutral","sentiment_score":0.03670962422396629},{"text":"A $300,000 income is still a little bit.","start":887.12,"end":891.06,"sentiment":"neutral","sentiment_score":-0.02614017971791327}],"sentiment":"neutral","sentiment_score":0.013684995312360115,"num_words":62,"start":867.995,"end":891.06},{"sentences":[{"text":"Yeah.","start":892.125,"end":892.445,"sentiment":"neutral","sentiment_score":0.05115902051329613},{"text":"It's just a little bit.","start":892.445,"end":893.965,"sentiment":"neutral","sentiment_score":0.02047625333070755},{"text":"So what's $3.12?","start":893.965,"end":895.425,"sentiment":"neutral","sentiment_score":-0.002429584894950191},{"text":"312,000 as a tax obligation.","start":896.765,"end":899.66504,"sentiment":"neutral","sentiment_score":-0.023921628296375275},{"text":"They're looking at about a $117,000 for the tax age.","start":899.965,"end":905.025,"sentiment":"neutral","sentiment_score":-0.018822019826620816}],"sentiment":"neutral","sentiment_score":-0.006732366969420885,"num_words":24,"start":892.125,"end":905.025},{"sentences":[{"text":"If there's anything that that that obviously would have been things in the sale of the property that they can deduct, and there'll be things for the year that they're able to to deduct as well.","start":912.25,"end":921.835,"sentiment":"neutral","sentiment_score":0.018623150212483272},{"text":"So that's just me saying that that's the tax on that, not necessarily anything else.","start":921.835,"end":926.97504,"sentiment":"neutral","sentiment_score":-0.02956234250838558},{"text":"But, yeah, it is a bit.","start":928.47504,"end":930.575,"sentiment":"neutral","sentiment_score":-0.001063770925005277},{"text":"Yeah.","start":941.27997,"end":941.77997,"sentiment":"neutral","sentiment_score":-0.026885440573096275},{"text":"You pay in tax.","start":943.27997,"end":944.42,"sentiment":"neutral","sentiment_score":-0.0656023770570755}],"sentiment":"neutral","sentiment_score":-0.0011077307149647705,"num_words":62,"start":912.25,"end":944.42},{"sentences":[{"text":"No.","start":945.68,"end":945.92,"sentiment":"neutral","sentiment_score":-0.17089873552322388},{"text":"Yeah.","start":945.92,"end":946.42,"sentiment":"neutral","sentiment_score":-0.021303746849298477},{"text":"Yeah.","start":947.615,"end":947.775,"sentiment":"neutral","sentiment_score":0.0063746776431798935},{"text":"Yeah.","start":947.775,"end":948.175,"sentiment":"neutral","sentiment_score":0.017854910343885422},{"text":"So it's basically, you you purchased this asset for this amount of money.","start":948.175,"end":952.495,"sentiment":"neutral","sentiment_score":0.033613575622439384}],"sentiment":"neutral","sentiment_score":0.015823740512132645,"num_words":17,"start":945.68,"end":952.495},{"sentences":[{"text":"So let's let's go stocks and shares.","start":952.495,"end":954.015,"sentiment":"neutral","sentiment_score":0.04312785741473947},{"text":"Right?","start":954.015,"end":954.515,"sentiment":"neutral","sentiment_score":0.046885617077350616},{"text":"So you buy, say, a thousand dollars worth of stocks, and over the twelve month period, it increases and doubles.","start":954.735,"end":962.88,"sentiment":"neutral","sentiment_score":0.06371915265917778},{"text":"So the calculation is really easy.","start":963.5,"end":965.66,"sentiment":"neutral","sentiment_score":0.25438265812893707},{"text":"It's the base cost, which is what you bought it for a thousand dollars, and it's the sale price.","start":965.66,"end":970.38,"sentiment":"neutral","sentiment_score":-0.0025769467588121955}],"sentiment":"neutral","sentiment_score":0.058499955330571195,"num_words":53,"start":952.495,"end":970.38},{"sentences":[{"text":"So sale price minus base cost equals your capital gain.","start":970.38,"end":974.38,"sentiment":"neutral","sentiment_score":-0.008770571555942297},{"text":"So in this instance, bought it for a thousand dollars, sold it for $2,000.","start":974.38,"end":978.125,"sentiment":"neutral","sentiment_score":-0.0038566842143024716},{"text":"Your capital gain is a thousand dollars.","start":978.125,"end":980.22504,"sentiment":"neutral","sentiment_score":-0.014815994405320712},{"text":"So what happens with that thousand dollars is that gets added to your taxable income, and from there, you get taxed on that.","start":980.445,"end":986.145,"sentiment":"neutral","sentiment_score":-0.01191125680571017},{"text":"Yeah.","start":987.9,"end":988.4,"sentiment":"neutral","sentiment_score":0.10814863443374634}],"sentiment":"neutral","sentiment_score":-0.007476755045354366,"num_words":55,"start":970.38,"end":988.4},{"sentences":[{"text":"Yes.","start":993.9675,"end":994.4675,"sentiment":"neutral","sentiment_score":0.061224427074193954},{"text":"Which his accountant will be able to help him out anyway.","start":1000.27496,"end":1002.45496,"sentiment":"neutral","sentiment_score":0.15193411030552603},{"text":"And there'll be there'll be deductions that he's able to make because there's fees that he would have paid through the sale of the property and agencies and all the rest of the things that he'll be able to he'll be able to deduct deduct things.","start":1003.555,"end":1017.44,"sentiment":"neutral","sentiment_score":0.016981288223810818},{"text":"Unless he sold the property on the July 1 year, he would have accrued and accumulated, you know, interest or some something on the property during that period of time.","start":1019.18,"end":1032.8551,"sentiment":"neutral","sentiment_score":-0.016759180463850498},{"text":"The rates have to be paid.","start":1032.8551,"end":1033.9751,"sentiment":"neutral","sentiment_score":-0.05777233776946863}],"sentiment":"neutral","sentiment_score":0.017704568704233526,"num_words":94,"start":993.9675,"end":1033.9751},{"sentences":[{"text":"Things have to happen.","start":1033.9751,"end":1035.035,"sentiment":"neutral","sentiment_score":-0.07988382317125797},{"text":"Yes.","start":1051.1901,"end":1051.6901,"sentiment":"neutral","sentiment_score":0.2909867465496063},{"text":"He'll be a little bit happy.","start":1052.4701,"end":1053.5901,"sentiment":"positive","sentiment_score":0.4695219894250234},{"text":"He'll have a laugh.","start":1053.5901,"end":1054.4901,"sentiment":"neutral","sentiment_score":0.30594705790281296},{"text":"Yeah.","start":1057.795,"end":1058.295,"sentiment":"neutral","sentiment_score":0.0328696146607399}],"sentiment":"neutral","sentiment_score":0.25282757729291916,"num_words":16,"start":1033.9751,"end":1058.295},{"sentences":[{"text":"Yeah.","start":1076.93,"end":1077.25,"sentiment":"neutral","sentiment_score":-0.007867536507546902},{"text":"I mean, we could just like, I I know that you're scheduled in with Tommy for, like, a six monthly catch up, which is sort of four months away or so.","start":1077.25,"end":1084.885,"sentiment":"neutral","sentiment_score":0.004211257512290631},{"text":"So I think just having, like, those more, like, you know, three monthly catch ups with Tommy and or myself either way to just kind of keep your finger on the pulse, have those forward discussions, and go from there.","start":1086.9451,"end":1099.42,"sentiment":"neutral","sentiment_score":0.045894986437633636},{"text":"The biggest issue is is if you go term deposit again, you're locking that money in.","start":1100.04,"end":1105.88,"sentiment":"neutral","sentiment_score":-0.14837100729346275},{"text":"And if you need access to it, you have the break costs, which generally the brake costs are.","start":1105.88,"end":1110.9651,"sentiment":"neutral","sentiment_score":-0.09061569016840723}],"sentiment":"neutral","sentiment_score":-0.01930695882875402,"num_words":106,"start":1076.93,"end":1110.9651},{"sentences":[{"text":"You lose some of the interest.","start":1110.9651,"end":1112.405,"sentiment":"neutral","sentiment_score":-0.2032872959971428},{"text":"It's not generally a fee unless depending on how your actual structure is.","start":1112.405,"end":1116.9851,"sentiment":"neutral","sentiment_score":-0.12038156504814441},{"text":"So you just wanna be a little bit kind of cautious about that side of things.","start":1117.525,"end":1121.545,"sentiment":"neutral","sentiment_score":-0.13772414764389396},{"text":"Not trying to dissuade you from locking it in or getting the return.","start":1121.685,"end":1124.89,"sentiment":"neutral","sentiment_score":-0.22626329270692971},{"text":"Don't put it in an old bank account.","start":1124.89,"end":1126.09,"sentiment":"neutral","sentiment_score":-0.2569981999695301}],"sentiment":"neutral","sentiment_score":-0.1783156944438815,"num_words":56,"start":1110.9651,"end":1126.09},{"sentences":[{"text":"That's generally pretty silly.","start":1126.09,"end":1127.71,"sentiment":"neutral","sentiment_score":-0.11461603827774525},{"text":"You wanna try and get some decent return, especially for that amount of money.","start":1128.41,"end":1132.91,"sentiment":"neutral","sentiment_score":-0.022646764559405192},{"text":"I'd have to look at it, which I can look at, and I can send it through to you.","start":1139.945,"end":1143.245,"sentiment":"neutral","sentiment_score":0.00565663881992039},{"text":"So that way, you have a bit of a yeah.","start":1143.385,"end":1146.365,"sentiment":"neutral","sentiment_score":0.18182770982384683},{"text":"That's okay.","start":1146.425,"end":1147.245,"sentiment":"neutral","sentiment_score":0.1482260525226593}],"sentiment":"neutral","sentiment_score":0.029524213957543274,"num_words":49,"start":1126.09,"end":1147.245},{"sentences":[{"text":"Yeah.","start":1147.545,"end":1147.785,"sentiment":"neutral","sentiment_score":0.11628319323062895},{"text":"I'll look at it, and I'll get you something next week.","start":1147.785,"end":1149.965,"sentiment":"neutral","sentiment_score":0.2908767041834918},{"text":"Happy days.","start":1163.4701,"end":1164.29,"sentiment":"positive","sentiment_score":0.4560733735561371},{"text":"Do you want me to send you through a simpler statement that probably looks more to what you're not used to?","start":1170.605,"end":1175.345,"sentiment":"neutral","sentiment_score":-0.16639249949228196},{"text":"I can do that.","start":1177.725,"end":1178.6849,"sentiment":"neutral","sentiment_score":-0.011020743288099766}],"sentiment":"neutral","sentiment_score":0.017685851894128017,"num_words":39,"start":1147.545,"end":1178.6849},{"sentences":[{"text":"I'll draw one up, and I'll send it to you.","start":1178.6849,"end":1180.625,"sentiment":"neutral","sentiment_score":0.0294524060562253},{"text":"Like, the the adviser or the actual account?","start":1192.91,"end":1195.3301,"sentiment":"neutral","sentiment_score":0.004576041596010327},{"text":"Yeah.","start":1199.015,"end":1199.515,"sentiment":"neutral","sentiment_score":-0.0120112132281065},{"text":"I don't know.","start":1200.615,"end":1201.3351,"sentiment":"neutral","sentiment_score":-0.018777306502064068},{"text":"Some dollars.","start":1201.3351,"end":1202.0751,"sentiment":"neutral","sentiment_score":-0.00873356987722218}],"sentiment":"neutral","sentiment_score":0.010221755035066357,"num_words":24,"start":1178.6849,"end":1202.0751},{"sentences":[{"text":"Yeah.","start":1203.8151,"end":1204.135,"sentiment":"neutral","sentiment_score":0.0008771689608693123},{"text":"No.","start":1204.135,"end":1204.635,"sentiment":"neutral","sentiment_score":-0.031011518090963364},{"text":"I'll I'll send you through a statement that's a little bit, I guess, easier to to follow.","start":1205.3351,"end":1211.115,"sentiment":"neutral","sentiment_score":0.013363109644748928},{"text":"No.","start":1214.2,"end":1214.6,"sentiment":"neutral","sentiment_score":0.01946860179305077},{"text":"That's too easy.","start":1214.6,"end":1215.72,"sentiment":"neutral","sentiment_score":0.027547447631756466}],"sentiment":"neutral","sentiment_score":0.01300649823995469,"num_words":23,"start":1203.8151,"end":1215.72},{"sentences":[{"text":"What I actually do is because following Omi's conversation with you in May, he did send you, like, the the annual review pack, and that that remains unsigned.","start":1215.72,"end":1224.935,"sentiment":"neutral","sentiment_score":0.07842699917299407},{"text":"So I'll send that through to you again if you can have a look at that and sign it.","start":1224.935,"end":1227.655,"sentiment":"neutral","sentiment_score":0.08796919921511098},{"text":"But then I'll email you with, like, a breakdown on the super, and and I'll I'll draw some figures on what it would look like to invest the the money you have in the term deposit as well.","start":1227.655,"end":1237.035,"sentiment":"neutral","sentiment_score":0.06800541438554462},{"text":"Ab?","start":1243.39,"end":1243.89,"sentiment":"neutral","sentiment_score":0.00027716532349586487},{"text":"Ten katie mad @gmail.com.","start":1253.245,"end":1257.9651,"sentiment":"neutral","sentiment_score":0.014394031371921301}],"sentiment":"neutral","sentiment_score":0.07232699777103133,"num_words":90,"start":1215.72,"end":1257.9651},{"sentences":[{"text":"Cool.","start":1257.9651,"end":1258.4651,"sentiment":"neutral","sentiment_score":0.11590571701526642},{"text":"Cool.","start":1261.405,"end":1261.905,"sentiment":"neutral","sentiment_score":0.33175742626190186},{"text":"Absolutely.","start":1266.62,"end":1267.1001,"sentiment":"positive","sentiment_score":0.5279533863067627},{"text":"My pleasure.","start":1267.1001,"end":1267.74,"sentiment":"positive","sentiment_score":0.564269095659256},{"text":"I will get cracking on this.","start":1267.74,"end":1269.26,"sentiment":"positive","sentiment_score":0.4179255813360214}],"sentiment":"positive","sentiment_score":0.41924620081077923,"num_words":11,"start":1257.9651,"end":1269.26},{"sentences":[{"text":"It will be next week just because it'll take me a little bit of time to to do other things amongst all my other tasks.","start":1269.26,"end":1274.88,"sentiment":"neutral","sentiment_score":0.16618417471647262},{"text":"But I'll get it through to you.","start":1275.66,"end":1276.62,"sentiment":"neutral","sentiment_score":0.17237613669463567},{"text":"I'll just email it, and I'll I'll send you a text message to let you know that I've emailed you.","start":1276.62,"end":1280.8949,"sentiment":"neutral","sentiment_score":0.20778537392616273},{"text":"No.","start":1284.635,"end":1284.955,"sentiment":"positive","sentiment_score":0.35787254571914673},{"text":"My absolute pleasure.","start":1284.955,"end":1286.095,"sentiment":"positive","sentiment_score":0.5013578732808431}],"sentiment":"neutral","sentiment_score":0.20319448158677136,"num_words":56,"start":1269.26,"end":1286.095},{"sentences":[{"text":"I will yes.","start":1286.235,"end":1288.475,"sentiment":"neutral","sentiment_score":-0.10099291428923607},{"text":"Yeah.","start":1288.475,"end":1288.875,"sentiment":"neutral","sentiment_score":0.01831260323524475},{"text":"Larissa.","start":1288.875,"end":1289.375,"sentiment":"neutral","sentiment_score":0.016580965369939804},{"text":"Yeah.","start":1290.235,"end":1290.735,"sentiment":"positive","sentiment_score":0.5243315100669861},{"text":"No.","start":1294.1799,"end":1294.58,"sentiment":"neutral","sentiment_score":0.16717664897441864}],"sentiment":"neutral","sentiment_score":0.06048899782555444,"num_words":7,"start":1286.235,"end":1294.58},{"sentences":[{"text":"Absolutely.","start":1294.58,"end":1295.08,"sentiment":"positive","sentiment_score":0.5575821399688721},{"text":"My pleasure.","start":1295.14,"end":1295.62,"sentiment":"positive","sentiment_score":0.6029167473316193},{"text":"I'll I'll get that information through to you.","start":1295.62,"end":1297.22,"sentiment":"positive","sentiment_score":0.5391333103179932},{"text":"And if you have any questions, I'll I'll cc Tommy in.","start":1297.22,"end":1300.2799,"sentiment":"neutral","sentiment_score":0.2054802951487628},{"text":"But feel free to come back to either of us with any questions, and we can kinda go from there.","start":1300.6599,"end":1304.76,"sentiment":"neutral","sentiment_score":0.2618520051240921}],"sentiment":"neutral","sentiment_score":0.3231858444355783,"num_words":42,"start":1294.58,"end":1304.76},{"sentences":[{"text":"This is my pleasure.","start":1308.1289,"end":1308.949,"sentiment":"positive","sentiment_score":0.8196140825748444},{"text":"You too.","start":1309.4889,"end":1310.049,"sentiment":"positive","sentiment_score":0.6684967279434204},{"text":"Bye, Tanya.","start":1310.049,"end":1310.789,"sentiment":"positive","sentiment_score":0.3653549402952194},{"text":"Bye.","start":1312.449,"end":1312.949,"sentiment":"neutral","sentiment_score":-0.11030911654233932}],"sentiment":"positive","sentiment_score":0.5817611722482575,"num_words":9,"start":1308.1289,"end":1312.949}]}}]},{"alternatives":[{"transcript":"Hello. Tanya speaking. Good. Thank you. How are you? No. You're alright. Yeah. That yep. That's fine. Yes. Tanya Russell and 02/14/1980 and 18 Parkside Court, Burfengary East. Yeah. You're welcome. Yes. Yep. So that's all happened? Yes. So that yes. So with that settled just after well, early January, mid January. So I've had the bulk of my money sitting in a term deposit just so I could get my head around everything and settled in here. But I'm looking at what where and what is the best option for me moving forward to invest my money. So what has ended up happening is my mom and dad sold everything, and they've bought a bigger block. And the girls and I are living in the house, and mom and dad have built a granny flat out the back. And then I'm just paying them a small amount of board each week, and we're splitting all the bills for the two thirds. I pay two thirds of most of the bills. So it sort of leaves me in a position to the the purpose of it is dad has wanted to pay for everything so that when they pass, this place will be still split fifty fifty between myself and my sister. And it's whether I either have enough money and equity to buy this place and pay my sister out, or I have to move on somewhere else and we sell it when the time comes. So my thoughts are on back when I was married, we dabbled in shares and lost our money. The company went bankrupt, like, a month after we bought shares. So I've always felt like property was the safest investment, But, yeah, I just was wanting to get some advice on what's what's the best to do. Yeah. So at the moment, I've got 440,000. I've got 40 of it sitting in a savings account that's earning 5.5% interest. And the 400, I can lock in for six months at 5.2. On the twenty seventh of this month. Yep. Yep. Yes. Yep. Yep. No. Yep. I was I was hoping to get something around the $800,000 mark, so I'd only have to borrow 400,000. And then the rents will cover the mortgage repayments. Yeah. Yeah. But I'll be the no. I wanna do principal and interest, so I'd get try and get it down as quick as I can. I I don't like the idea of negatively gearing, but I can do. Obviously, I've been had a lot of expenses with getting everything back on our feet. But, yeah, I I have purchased at the beginning of the year, I purchased a new BYD, and I've salary sacrificed that. So I bring home a thousand dollars a week. I'm paying 700 a fortnight, so 350 a week. I'm paying board to mom and dad. So, yes, there should be ample money left at the end of the week. Yes. Yes. Yep. Okay. Yep. Yep. Yep. Yep. Yep. Yep. Okay. Yeah. Okay. I don't think I would have enough. Like, at the moment, with the granny flat that's going on, this property is probably looking at $2.02 mil. So I'm really it's probably at the moment without yeah. Yeah. If anything was to happen in the next five years, I really don't think I'd have a chance of buying my sister out unless I could like, it's a it's a big two and a half bed granny flat. I could probably rent it out for a significant amount of money, but that won't give them the return straight away to pay my sister out. And what sort of the investment accounts, what sort of return do they get? Okay. Okay. I can. Yep. Okay. Yep. Yep. Yes. Yep. Okay. Okay. Isis Drive. Yep. That was my next mhmm. So that was my next question. So my sister's talking to somebody at the moment about using buying an investment property using her super. Right. Yep. I can. Yes. Yes. Okay. Which is a good time to wait and buy? Yeah. Yeah. Yeah. Yep. Yep. Still husband. Yep. Yep. And, like, my concern is, like, mom and dad had a unit duplexes at Morayfield that they I mean, they owned them for thirty years, but the capital gains that dad had to pay was, like, 300,000 dollars on those units. And I'm like, that's crazy. Like, they're both pensioners. To pay that much money in capital gains was crazy. Yeah. They did make a lot of money. It was cut it it was Capital Gains. I think originally, they bought the duplexes. Don't quote me. It might have been around 30 or $60,000 thirty years ago, and they sold for 1.3 mil. Yep. That's right. Yep. Yes. So well, that yeah. They haven't done their tax yet. Mom said they're doing that in October. Mhmm. Yep. Yes. Yep. All good. Yep. Issues. Yep. Right. Okay. Yeah. Okay. Yep. Yep. Yeah. Okay. Yep. So that's when they say capital gains, that is your income pretty much for the year, and then you pay tax on that income. That's not actually how much you pay. You don't pay 300 thousand. You pay tax on it. Yeah. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Right. Okay. Excellent. Because I've got a feeling dad thinks that he has to pay 300,000 dollars is the tax amount, but it's tax on that amount. Okay. Yep. Yep. Mhmm. Mate. Yep. Yep. Yep. Yep. Excellent. Yeah. Yep. Yep. Yes. Oh, well, that's good news because the granny flat they thought was gonna cost them 200,000, cost them nearly 300 and something. So that that will be a pleasant surprise because every everything's working out Jira. Yes. Yes. So he's on my back about getting my money invested. So yeah. Okay. Well, yeah, I think with what you've said, maybe property isn't the way to go just yet. Maybe what sit would you think sit and wait and see what the market does after the federal election? And Yep. Yep. Yep. Mhmm. Yes. Yep. Yep. Yep. No. Yep. And with the investment account, what fees are involved? What costs are involved with having that? Yep. Yeah. Thank you. Yeah. Because I've been pretty happy with the yeah. Thank you. The investment on my super, I think I've been pretty happy with. Not that I can follow it very well, but, yeah, it seems to keep going up, so I'm happy with that. I find the hub 24 statements really hard to interpret. Yes, please. Because because when my sister was looking into it, she's like, how much does it cost you a year to have the, what is it, super fund? The self managed super fund? The adviser. And I'm like, I don't know. Oh, he's there. Stop this. Okay. Thank you. Yes. Yes, please. Wonderful. Thank you. And can I just double check what email address you have for me? Because I think I changed it with, but I don't know if I changed it with you guys. Yep. That's the right one. Yep. Excellent. Wonderful. Alright. Well, thank you very much for that. Okay. Yep. Wonderful. Thank you so very much. And it it was Larissa, isn't it? Larissa? Yep. Excellent. Wonderful. Well, thank you very much for your time. Yep. Wonderful. Thank you so much. Have a good day. Thanks, Marissa. Thanks. 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Tanya speaking. Good. Thank you. How are you?\n\nNo. You're alright. Yeah. That yep. That's fine.\n\nYes. Tanya Russell and 02/14/1980 and 18 Parkside Court, Burfengary East. Yeah. You're welcome. Yes.\n\nYep. So that's all happened? Yes. So that yes. So with that settled just after well, early January, mid January.\n\nSo I've had the bulk of my money sitting in a term deposit just so I could get my head around everything and settled in here. But I'm looking at what where and what is the best option for me moving forward to invest my money. So what has ended up happening is my mom and dad sold everything, and they've bought a bigger block. And the girls and I are living in the house, and mom and dad have built a granny flat out the back. And then I'm just paying them a small amount of board each week, and we're splitting all the bills for the two thirds.\n\nI pay two thirds of most of the bills. So it sort of leaves me in a position to the the purpose of it is dad has wanted to pay for everything so that when they pass, this place will be still split fifty fifty between myself and my sister. And it's whether I either have enough money and equity to buy this place and pay my sister out, or I have to move on somewhere else and we sell it when the time comes. So my thoughts are on back when I was married, we dabbled in shares and lost our money. The company went bankrupt, like, a month after we bought shares.\n\nSo I've always felt like property was the safest investment, But, yeah, I just was wanting to get some advice on what's what's the best to do. Yeah. So at the moment, I've got 440,000. I've got 40 of it sitting in a savings account that's earning 5.5% interest. And the 400, I can lock in for six months at 5.2.\n\nOn the twenty seventh of this month. Yep. Yep. Yes. Yep.\n\nYep. No. Yep. I was I was hoping to get something around the $800,000 mark, so I'd only have to borrow 400,000. And then the rents will cover the mortgage repayments.\n\nYeah. Yeah. But I'll be the no. I wanna do principal and interest, so I'd get try and get it down as quick as I can. I I don't like the idea of negatively gearing, but I can do.\n\nObviously, I've been had a lot of expenses with getting everything back on our feet. But, yeah, I I have purchased at the beginning of the year, I purchased a new BYD, and I've salary sacrificed that. So I bring home a thousand dollars a week. I'm paying 700 a fortnight, so 350 a week. I'm paying board to mom and dad.\n\nSo, yes, there should be ample money left at the end of the week. Yes. Yes. Yep. Okay.\n\nYep. Yep. Yep. Yep. Yep.\n\nYep. Okay. Yeah. Okay. I don't think I would have enough.\n\nLike, at the moment, with the granny flat that's going on, this property is probably looking at $2.02 mil. So I'm really it's probably at the moment without yeah. Yeah. If anything was to happen in the next five years, I really don't think I'd have a chance of buying my sister out unless I could like, it's a it's a big two and a half bed granny flat. I could probably rent it out for a significant amount of money, but that won't give them the return straight away to pay my sister out.\n\nAnd what sort of the investment accounts, what sort of return do they get? Okay. Okay. I can. Yep.\n\nOkay. Yep. Yep. Yes. Yep.\n\nOkay. Okay. Isis Drive. Yep. That was my next mhmm.\n\nSo that was my next question. So my sister's talking to somebody at the moment about using buying an investment property using her super. Right. Yep. I can.\n\nYes. Yes. Okay. Which is a good time to wait and buy? Yeah.\n\nYeah. Yeah. Yep. Yep. Still husband.\n\nYep. Yep. And, like, my concern is, like, mom and dad had a unit duplexes at Morayfield that they I mean, they owned them for thirty years, but the capital gains that dad had to pay was, like, 300,000 dollars on those units. And I'm like, that's crazy. Like, they're both pensioners.\n\nTo pay that much money in capital gains was crazy. Yeah. They did make a lot of money. It was cut it it was Capital Gains. I think originally, they bought the duplexes.\n\nDon't quote me. It might have been around 30 or $60,000 thirty years ago, and they sold for 1.3 mil. Yep. That's right. Yep.\n\nYes. So well, that yeah. They haven't done their tax yet. Mom said they're doing that in October. Mhmm.\n\nYep. Yes. Yep. All good. Yep.\n\nIssues. Yep. Right. Okay. Yeah.\n\nOkay. Yep. Yep. Yeah. Okay.\n\nYep. So that's when they say capital gains, that is your income pretty much for the year, and then you pay tax on that income. That's not actually how much you pay. You don't pay 300 thousand. You pay tax on it.\n\nYeah. Yep. Yep. Yep. Yep.\n\nYep. Yep. Yep. Yep. Right.\n\nOkay. Excellent. Because I've got a feeling dad thinks that he has to pay 300,000 dollars is the tax amount, but it's tax on that amount. Okay. Yep.\n\nYep. Mhmm. Mate. Yep. Yep.\n\nYep. Yep. Excellent. Yeah. Yep.\n\nYep. Yes. Oh, well, that's good news because the granny flat they thought was gonna cost them 200,000, cost them nearly 300 and something. So that that will be a pleasant surprise because every everything's working out Jira. Yes.\n\nYes. So he's on my back about getting my money invested. So yeah. Okay. Well, yeah, I think with what you've said, maybe property isn't the way to go just yet.\n\nMaybe what sit would you think sit and wait and see what the market does after the federal election? And Yep. Yep. Yep. Mhmm.\n\nYes. Yep. Yep. Yep. No.\n\nYep. And with the investment account, what fees are involved? What costs are involved with having that? Yep. Yeah.\n\nThank you. Yeah. Because I've been pretty happy with the yeah. Thank you. The investment on my super, I think I've been pretty happy with.\n\nNot that I can follow it very well, but, yeah, it seems to keep going up, so I'm happy with that. I find the hub 24 statements really hard to interpret. Yes, please. Because because when my sister was looking into it, she's like, how much does it cost you a year to have the, what is it, super fund? The self managed super fund?\n\nThe adviser. And I'm like, I don't know. Oh, he's there. Stop this. Okay.\n\nThank you. Yes. Yes, please. Wonderful. Thank you.\n\nAnd can I just double check what email address you have for me? Because I think I changed it with, but I don't know if I changed it with you guys. Yep. That's the right one. Yep.\n\nExcellent. Wonderful. Alright. Well, thank you very much for that. Okay.\n\nYep. Wonderful. Thank you so very much. And it it was Larissa, isn't it? Larissa?\n\nYep. Excellent. Wonderful. Well, thank you very much for your time. Yep.\n\nWonderful. Thank you so much. Have a good day. Thanks, Marissa. Thanks.\n\nBye.","paragraphs":[{"sentences":[{"text":"Hello.","start":0.08,"end":0.39999998,"sentiment":"neutral","sentiment_score":0.03393618017435074},{"text":"Tanya speaking.","start":0.39999998,"end":1.3,"sentiment":"neutral","sentiment_score":0.03425843268632889},{"text":"Good.","start":5.3599997,"end":5.7599998,"sentiment":"positive","sentiment_score":0.5977231860160828},{"text":"Thank you.","start":5.7599998,"end":6.16,"sentiment":"positive","sentiment_score":0.6080671548843384},{"text":"How are you?","start":6.16,"end":6.98,"sentiment":"neutral","sentiment_score":0.3191268742084503}],"sentiment":"neutral","sentiment_score":0.31929901821745765,"num_words":9,"start":0.08,"end":6.98},{"sentences":[{"text":"No.","start":12.895,"end":13.215,"sentiment":"neutral","sentiment_score":-0.09477747976779938},{"text":"You're alright.","start":13.215,"end":13.955,"sentiment":"neutral","sentiment_score":-0.02261810563504696},{"text":"Yeah.","start":14.895,"end":15.215,"sentiment":"neutral","sentiment_score":0.035755038261413574},{"text":"That yep.","start":15.215,"end":15.695,"sentiment":"neutral","sentiment_score":0.07522648945450783},{"text":"That's fine.","start":15.695,"end":16.515,"sentiment":"neutral","sentiment_score":0.21107860654592514}],"sentiment":"neutral","sentiment_score":0.05854394240304828,"num_words":8,"start":12.895,"end":16.515},{"sentences":[{"text":"Yes.","start":24.415,"end":24.84,"sentiment":"neutral","sentiment_score":0.030551806092262268},{"text":"Tanya Russell and 02/14/1980 and 18 Parkside Court, Burfengary East.","start":27.48,"end":33.82,"sentiment":"neutral","sentiment_score":0.0298947274684906},{"text":"Yeah.","start":47.445,"end":47.925,"sentiment":"neutral","sentiment_score":0.011158961802721024},{"text":"You're welcome.","start":47.925,"end":48.665,"sentiment":"neutral","sentiment_score":0.13759925216436386},{"text":"Yes.","start":62.55,"end":63.015,"sentiment":"neutral","sentiment_score":-0.013127431273460388}],"sentiment":"neutral","sentiment_score":0.04018194104234377,"num_words":15,"start":24.415,"end":63.015},{"sentences":[{"text":"Yep.","start":63.255,"end":63.755,"sentiment":"neutral","sentiment_score":-0.012297352775931358},{"text":"So that's all happened?","start":64.375,"end":65.755,"sentiment":"neutral","sentiment_score":-0.09021958149969578},{"text":"Yes.","start":66.695,"end":67.195,"sentiment":"neutral","sentiment_score":0.022147204726934433},{"text":"So that yes.","start":67.895,"end":69.895,"sentiment":"neutral","sentiment_score":-0.007415998727083206},{"text":"So with that settled just after well, early January, mid January.","start":69.895,"end":73.835,"sentiment":"neutral","sentiment_score":-0.002251811833544211}],"sentiment":"neutral","sentiment_score":-0.019902320019900797,"num_words":20,"start":63.255,"end":73.835},{"sentences":[{"text":"So I've had the bulk of my money sitting in a term deposit just so I could get my head around everything and settled in here.","start":75.015,"end":83.899994,"sentiment":"neutral","sentiment_score":0.0003732551032534013},{"text":"But I'm looking at what where and what is the best option for me moving forward to invest my money.","start":85.24,"end":93.244995,"sentiment":"neutral","sentiment_score":-0.06976787950843573},{"text":"So what has ended up happening is my mom and dad sold everything, and they've bought a bigger block.","start":93.465,"end":102.045,"sentiment":"neutral","sentiment_score":-0.1295513538153548},{"text":"And the girls and I are living in the house, and mom and dad have built a granny flat out the back.","start":102.585,"end":108.05,"sentiment":"neutral","sentiment_score":-0.10425306484103203},{"text":"And then I'm just paying them a small amount of board each week, and we're splitting all the bills for the two thirds.","start":108.11,"end":116.61,"sentiment":"neutral","sentiment_score":-0.03736523846569269}],"sentiment":"neutral","sentiment_score":-0.0636372417380864,"num_words":110,"start":75.015,"end":116.61},{"sentences":[{"text":"I pay two thirds of most of the bills.","start":117.505,"end":120.325,"sentiment":"neutral","sentiment_score":0.07233316699663798},{"text":"So it sort of leaves me in a position to the the purpose of it is dad has wanted to pay for everything so that when they pass, this place will be still split fifty fifty between myself and my sister.","start":122.385,"end":137.6,"sentiment":"neutral","sentiment_score":0.10532517186025293},{"text":"And it's whether I either have enough money and equity to buy this place and pay my sister out, or I have to move on somewhere else and we sell it when the time comes.","start":139.18,"end":153.145,"sentiment":"neutral","sentiment_score":0.013230429855840546},{"text":"So my thoughts are on back when I was married, we dabbled in shares and lost our money.","start":153.285,"end":162.14,"sentiment":"neutral","sentiment_score":-0.11984994200368722},{"text":"The company went bankrupt, like, a month after we bought shares.","start":162.14,"end":166.48,"sentiment":"neutral","sentiment_score":-0.24981303242119876}],"sentiment":"neutral","sentiment_score":0.004624151592061185,"num_words":114,"start":117.505,"end":166.48},{"sentences":[{"text":"So I've always felt like property was the safest investment, But, yeah, I just was wanting to get some advice on what's what's the best to do.","start":166.94,"end":181.49501,"sentiment":"neutral","sentiment_score":0.030504803311217715},{"text":"Yeah.","start":181.79501,"end":182.29501,"sentiment":"neutral","sentiment_score":0.0531373955309391},{"text":"So at the moment, I've got 440,000.","start":187.41,"end":191.43001,"sentiment":"neutral","sentiment_score":0.07451105809637479},{"text":"I've got 40 of it sitting in a savings account that's earning 5.5% interest.","start":193.41,"end":198.55,"sentiment":"neutral","sentiment_score":0.12525299617222377},{"text":"And the 400, I can lock in for six months at 5.2.","start":199.095,"end":204.47499,"sentiment":"neutral","sentiment_score":0.08791863607863586}],"sentiment":"neutral","sentiment_score":0.06896573886824925,"num_words":61,"start":166.94,"end":204.47499},{"sentences":[{"text":"On the twenty seventh of this 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to get something around the $800,000 mark, so I'd only have to borrow 400,000.","start":263.005,"end":271.86,"sentiment":"neutral","sentiment_score":0.2749424827726264},{"text":"And then the rents will cover the mortgage repayments.","start":274.0,"end":277.46,"sentiment":"neutral","sentiment_score":0.2982202453745736}],"sentiment":"neutral","sentiment_score":0.24377987617927213,"num_words":31,"start":253.805,"end":277.46},{"sentences":[{"text":"Yeah.","start":282.85498,"end":283.35498,"sentiment":"neutral","sentiment_score":0.23040130734443665},{"text":"Yeah.","start":283.495,"end":283.995,"sentiment":"neutral","sentiment_score":0.2274082601070404},{"text":"But I'll be the no.","start":284.85498,"end":287.51498,"sentiment":"neutral","sentiment_score":-0.0695128656923771},{"text":"I wanna do principal and interest, so I'd get try and get it down as quick as I can.","start":287.57498,"end":293.34,"sentiment":"neutral","sentiment_score":0.014970831769077401},{"text":"I I don't like the idea of negatively gearing, but I can do.","start":294.38,"end":312.145,"sentiment":"neutral","sentiment_score":-0.20373291808825272}],"sentiment":"neutral","sentiment_score":-0.05779068955244162,"num_words":39,"start":282.85498,"end":312.145},{"sentences":[{"text":"Obviously, I've been had a lot of expenses with getting everything back on our feet.","start":312.76498,"end":319.16498,"sentiment":"neutral","sentiment_score":-0.035584574192762376},{"text":"But, yeah, I I have purchased at the beginning of the year, I purchased a new BYD, and I've salary sacrificed that.","start":319.16498,"end":328.48,"sentiment":"neutral","sentiment_score":0.21087010721252722},{"text":"So I bring home a thousand dollars a week.","start":329.02002,"end":332.64,"sentiment":"neutral","sentiment_score":0.32043710350990295},{"text":"I'm paying 700 a fortnight, so 350 a week.","start":332.94,"end":338.785,"sentiment":"neutral","sentiment_score":0.28908942805396187},{"text":"I'm paying board to mom and 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don't think I would have enough.","start":483.395,"end":485.715,"sentiment":"negative","sentiment_score":-0.5860757827758789}],"sentiment":"negative","sentiment_score":-0.3661348901011727,"num_words":11,"start":445.81,"end":485.715},{"sentences":[{"text":"Like, at the moment, with the granny flat that's going on, this property is probably looking at $2.02 mil.","start":485.715,"end":491.335,"sentiment":"neutral","sentiment_score":-0.31982879105367157},{"text":"So I'm really it's probably at the moment without yeah.","start":491.46,"end":499.8,"sentiment":"neutral","sentiment_score":-0.2315661773085594},{"text":"Yeah.","start":500.66,"end":500.9,"sentiment":"neutral","sentiment_score":-0.11047443747520448},{"text":"If anything was to happen in the next five years, I really don't think I'd have a chance of buying my sister out unless I could like, it's a it's a big two and a half bed granny flat.","start":500.9,"end":512.915,"sentiment":"negative","sentiment_score":-0.4646563289257196},{"text":"I could probably rent it out for a significant amount of money, but that won't give them the return straight away to pay my sister out.","start":514.015,"end":522.66,"sentiment":"negative","sentiment_score":-0.40992143979439366}],"sentiment":"negative","sentiment_score":-0.39244671056145114,"num_words":95,"start":485.715,"end":522.66},{"sentences":[{"text":"And what sort of the investment accounts, what sort of return do they get?","start":523.22,"end":528.83997,"sentiment":"neutral","sentiment_score":-0.041155146434903145},{"text":"Okay.","start":534.81995,"end":535.31995,"sentiment":"neutral","sentiment_score":0.005807777866721153},{"text":"Okay.","start":539.24506,"end":539.74506,"sentiment":"neutral","sentiment_score":-0.02316320687532425},{"text":"I can.","start":553.60004,"end":557.94,"sentiment":"neutral","sentiment_score":-0.048264848068356514},{"text":"Yep.","start":559.04004,"end":559.54004,"sentiment":"neutral","sentiment_score":-0.04223158955574035}],"sentiment":"neutral","sentiment_score":-0.03854151393630003,"num_words":19,"start":523.22,"end":559.54004},{"sentences":[{"text":"Okay.","start":572.77496,"end":573.27496,"sentiment":"neutral","sentiment_score":-0.15529954433441162},{"text":"Yep.","start":588.63,"end":589.13,"sentiment":"neutral","sentiment_score":-0.08790473639965057},{"text":"Yep.","start":598.755,"end":599.255,"sentiment":"neutral","sentiment_score":0.06181534752249718},{"text":"Yes.","start":603.155,"end":603.655,"sentiment":"neutral","sentiment_score":-0.04025225341320038},{"text":"Yep.","start":618.77997,"end":619.01996,"sentiment":"neutral","sentiment_score":-0.10501754283905028}],"sentiment":"neutral","sentiment_score":-0.06533174589276314,"num_words":5,"start":572.77496,"end":619.01996},{"sentences":[{"text":"Okay.","start":619.01996,"end":619.51996,"sentiment":"neutral","sentiment_score":-0.14582999050617218},{"text":"Okay.","start":625.075,"end":625.575,"sentiment":"neutral","sentiment_score":-0.253402978181839},{"text":"Isis Drive.","start":627.715,"end":628.695,"sentiment":"neutral","sentiment_score":-0.27607981115579605},{"text":"Yep.","start":633.395,"end":633.895,"sentiment":"neutral","sentiment_score":-0.1315520852804184},{"text":"That was my next mhmm.","start":638.05,"end":641.51,"sentiment":"neutral","sentiment_score":-0.04160922169685364}],"sentiment":"neutral","sentiment_score":-0.12909907847642899,"num_words":10,"start":619.01996,"end":641.51},{"sentences":[{"text":"So that was my next question.","start":641.64996,"end":643.35,"sentiment":"neutral","sentiment_score":-0.022941042048235733},{"text":"So my sister's talking to somebody at the moment about using buying an investment property using her super.","start":643.64996,"end":652.605,"sentiment":"neutral","sentiment_score":-0.002087955777015951},{"text":"Right.","start":672.20996,"end":672.70996,"sentiment":"neutral","sentiment_score":0.03938937932252884},{"text":"Yep.","start":677.17,"end":677.67,"sentiment":"neutral","sentiment_score":0.10936827957630156},{"text":"I can.","start":683.825,"end":684.485,"sentiment":"neutral","sentiment_score":-0.19582854956388474}],"sentiment":"neutral","sentiment_score":-0.014933174875165735,"num_words":28,"start":641.64996,"end":684.485},{"sentences":[{"text":"Yes.","start":694.52997,"end":695.02997,"sentiment":"neutral","sentiment_score":-0.042344771325588226},{"text":"Yes.","start":702.45,"end":702.95,"sentiment":"neutral","sentiment_score":-0.06269263476133347},{"text":"Okay.","start":717.385,"end":717.885,"sentiment":"neutral","sentiment_score":-0.029280785471200943},{"text":"Which is a good time to wait and buy?","start":718.92004,"end":720.86005,"sentiment":"neutral","sentiment_score":0.1784290870030721},{"text":"Yeah.","start":722.44,"end":722.94,"sentiment":"neutral","sentiment_score":0.09684687852859496}],"sentiment":"neutral","sentiment_score":0.12064542076908626,"num_words":13,"start":694.52997,"end":722.94},{"sentences":[{"text":"Yeah.","start":727.4,"end":727.9,"sentiment":"neutral","sentiment_score":-0.1040126457810402},{"text":"Yeah.","start":732.2,"end":732.7,"sentiment":"neutral","sentiment_score":-0.2625444233417511},{"text":"Yep.","start":737.935,"end":738.435,"sentiment":"neutral","sentiment_score":-0.15453869104385376},{"text":"Yep.","start":740.495,"end":740.735,"sentiment":"neutral","sentiment_score":-0.10340368747711182},{"text":"Still husband.","start":740.735,"end":741.555,"sentiment":"neutral","sentiment_score":-0.21701060235500336}],"sentiment":"neutral","sentiment_score":-0.17642010872562727,"num_words":6,"start":727.4,"end":741.555},{"sentences":[{"text":"Yep.","start":742.815,"end":743.315,"sentiment":"neutral","sentiment_score":-0.028295502066612244},{"text":"Yep.","start":743.45496,"end":743.95496,"sentiment":"neutral","sentiment_score":-0.06053921952843666},{"text":"And, like, my concern is, like, mom and dad had a unit duplexes at Morayfield that they I mean, they owned them for thirty years, but the capital gains that dad had to pay was, like, 300,000 dollars on those units.","start":744.01495,"end":761.62,"sentiment":"neutral","sentiment_score":-0.11972461695351251},{"text":"And I'm like, that's crazy.","start":761.68,"end":764.315,"sentiment":"negative","sentiment_score":-0.4516521394252777},{"text":"Like, they're both pensioners.","start":764.615,"end":765.835,"sentiment":"neutral","sentiment_score":-0.26408296078443527}],"sentiment":"neutral","sentiment_score":-0.15984877994140753,"num_words":52,"start":742.815,"end":765.835},{"sentences":[{"text":"To pay that much money in capital gains was crazy.","start":766.85504,"end":769.995,"sentiment":"negative","sentiment_score":-0.43766804337501525},{"text":"Yeah.","start":784.49005,"end":784.89,"sentiment":"neutral","sentiment_score":-0.028733324259519577},{"text":"They did make a lot of money.","start":784.89,"end":786.41003,"sentiment":"neutral","sentiment_score":-0.003916297107934953},{"text":"It was cut it it was Capital Gains.","start":786.41003,"end":788.67004,"sentiment":"neutral","sentiment_score":-0.08177003264427185},{"text":"I think originally, they bought the duplexes.","start":789.85004,"end":792.35004,"sentiment":"neutral","sentiment_score":-0.006838641395526273}],"sentiment":"neutral","sentiment_score":-0.15560177541479017,"num_words":33,"start":766.85504,"end":792.35004},{"sentences":[{"text":"Don't quote me.","start":792.49005,"end":793.21,"sentiment":"neutral","sentiment_score":-0.06439301371574402},{"text":"It might have been around 30 or $60,000 thirty years ago, and they sold for 1.3 mil.","start":793.21,"end":800.485,"sentiment":"neutral","sentiment_score":-0.02504945858655607},{"text":"Yep.","start":804.065,"end":804.565,"sentiment":"neutral","sentiment_score":0.10761841386556624},{"text":"That's right.","start":806.065,"end":806.965,"sentiment":"neutral","sentiment_score":0.18158774077892303},{"text":"Yep.","start":807.185,"end":807.685,"sentiment":"neutral","sentiment_score":0.12029880285263062}],"sentiment":"neutral","sentiment_score":-0.0011636307851100962,"num_words":24,"start":792.49005,"end":807.685},{"sentences":[{"text":"Yes.","start":808.945,"end":809.445,"sentiment":"neutral","sentiment_score":0.09277978539466858},{"text":"So well, that yeah.","start":810.2,"end":821.88,"sentiment":"neutral","sentiment_score":-0.03416368644684553},{"text":"They haven't done their tax yet.","start":821.88,"end":823.56,"sentiment":"neutral","sentiment_score":-0.23661616568764052},{"text":"Mom said they're doing that in October.","start":823.56,"end":826.27496,"sentiment":"neutral","sentiment_score":-0.0967375785112381},{"text":"Mhmm.","start":849.11,"end":849.50995,"sentiment":"neutral","sentiment_score":-0.0670643299818039}],"sentiment":"neutral","sentiment_score":-0.11619996495152775,"num_words":19,"start":808.945,"end":849.50995},{"sentences":[{"text":"Yep.","start":849.50995,"end":850.00995,"sentiment":"neutral","sentiment_score":0.01169469952583313},{"text":"Yes.","start":861.955,"end":862.455,"sentiment":"neutral","sentiment_score":0.10177473723888396},{"text":"Yep.","start":871.27997,"end":871.77997,"sentiment":"neutral","sentiment_score":0.07751776278018951},{"text":"All 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that's when they say capital gains, that is your income pretty much for the year, and then you pay tax on that income.","start":931.48,"end":939.26,"sentiment":"neutral","sentiment_score":-0.011165896948417261},{"text":"That's not actually how much you pay.","start":939.975,"end":942.375,"sentiment":"neutral","sentiment_score":-0.044742087700537274},{"text":"You don't pay 300 thousand.","start":942.375,"end":944.315,"sentiment":"neutral","sentiment_score":-0.05888058692216873},{"text":"You pay tax on it.","start":944.935,"end":946.39496,"sentiment":"neutral","sentiment_score":-0.12101843804121018}],"sentiment":"neutral","sentiment_score":-0.034792196079728284,"num_words":42,"start":931.08,"end":946.39496},{"sentences":[{"text":"Yeah.","start":948.375,"end":948.875,"sentiment":"neutral","sentiment_score":0.030589638277888295},{"text":"Yep.","start":948.935,"end":949.435,"sentiment":"neutral","sentiment_score":0.03119911625981331},{"text":"Yep.","start":952.855,"end":953.355,"sentiment":"neutral","sentiment_score":0.04715922474861145},{"text":"Yep.","start":955.28,"end":955.78,"sentiment":"neutral","sentiment_score":0.03756944090127945},{"text":"Yep.","start":958.48004,"end":958.98004,"sentiment":"neutral","sentiment_score":0.040429145097732544}],"sentiment":"neutral","sentiment_score":0.03738931305706501,"num_words":5,"start":948.375,"end":958.98004},{"sentences":[{"text":"Yep.","start":963.52,"end":964.02,"sentiment":"neutral","sentiment_score":0.2121223211288452},{"text":"Yep.","start":968.865,"end":969.365,"sentiment":"neutral","sentiment_score":0.00935843214392662},{"text":"Yep.","start":970.865,"end":971.365,"sentiment":"neutral","sentiment_score":0.003800235688686371},{"text":"Yep.","start":980.78503,"end":981.28503,"sentiment":"neutral","sentiment_score":-0.011907711625099182},{"text":"Right.","start":986.56,"end":987.06,"sentiment":"neutral","sentiment_score":0.02358180470764637}],"sentiment":"neutral","sentiment_score":0.04739101640880107,"num_words":5,"start":963.52,"end":987.06},{"sentences":[{"text":"Okay.","start":987.76,"end":988.26,"sentiment":"neutral","sentiment_score":0.04027333855628967},{"text":"Excellent.","start":988.72003,"end":989.22003,"sentiment":"positive","sentiment_score":0.3626827597618103},{"text":"Because I've got a feeling dad thinks that he has to pay 300,000 dollars is the tax amount, but it's tax on that amount.","start":989.44,"end":998.10004,"sentiment":"neutral","sentiment_score":0.04393001028802246},{"text":"Okay.","start":1000.495,"end":1000.995,"sentiment":"neutral","sentiment_score":0.14775347709655762},{"text":"Yep.","start":1003.21497,"end":1003.71497,"sentiment":"neutral","sentiment_score":0.05977367609739304}],"sentiment":"neutral","sentiment_score":0.0594572678008782,"num_words":28,"start":987.76,"end":1003.71497},{"sentences":[{"text":"Yep.","start":1003.855,"end":1004.255,"sentiment":"neutral","sentiment_score":0.021459681913256645},{"text":"Mhmm.","start":1004.255,"end":1004.755,"sentiment":"neutral","sentiment_score":0.01369903702288866},{"text":"Mate.","start":1006.495,"end":1006.995,"sentiment":"neutral","sentiment_score":0.015032665804028513},{"text":"Yep.","start":1011.77496,"end":1012.27496,"sentiment":"neutral","sentiment_score":0.008551674894988537},{"text":"Yep.","start":1018.49005,"end":1018.99005,"sentiment":"neutral","sentiment_score":-0.003999064676463604}],"sentiment":"neutral","sentiment_score":0.01094879899173975,"num_words":5,"start":1003.855,"end":1018.99005},{"sentences":[{"text":"Yep.","start":1019.29004,"end":1019.53,"sentiment":"neutral","sentiment_score":-0.033576466143131256},{"text":"Yep.","start":1019.53,"end":1019.69,"sentiment":"neutral","sentiment_score":-0.04311271756887436},{"text":"Excellent.","start":1019.69,"end":1020.19,"sentiment":"neutral","sentiment_score":0.08955539762973785},{"text":"Yeah.","start":1034.6951,"end":1035.1951,"sentiment":"neutral","sentiment_score":0.04149496927857399},{"text":"Yep.","start":1035.8151,"end":1036.3151,"sentiment":"neutral","sentiment_score":0.049523722380399704}],"sentiment":"neutral","sentiment_score":0.020776981115341188,"num_words":5,"start":1019.29004,"end":1036.3151},{"sentences":[{"text":"Yep.","start":1036.615,"end":1037.115,"sentiment":"neutral","sentiment_score":0.06535305082798004},{"text":"Yes.","start":1038.4551,"end":1038.935,"sentiment":"neutral","sentiment_score":0.12416910380125046},{"text":"Oh, well, that's good news because the granny flat they thought was gonna cost them 200,000, cost them nearly 300 and something.","start":1038.935,"end":1046.25,"sentiment":"neutral","sentiment_score":0.2363878945735368},{"text":"So that that will be a pleasant surprise because every everything's working out Jira.","start":1046.25,"end":1054.03,"sentiment":"positive","sentiment_score":0.44650545716285706},{"text":"Yes.","start":1054.97,"end":1055.47,"sentiment":"neutral","sentiment_score":0.09619270265102386}],"sentiment":"neutral","sentiment_score":0.30095704969687337,"num_words":39,"start":1036.615,"end":1055.47},{"sentences":[{"text":"Yes.","start":1055.53,"end":1056.015,"sentiment":"neutral","sentiment_score":0.07154440879821777},{"text":"So he's on my back about getting my money invested.","start":1056.495,"end":1060.1951,"sentiment":"neutral","sentiment_score":0.04900410547852516},{"text":"So yeah.","start":1060.335,"end":1062.5751,"sentiment":"neutral","sentiment_score":0.018768819980323315},{"text":"Okay.","start":1062.5751,"end":1063.0751,"sentiment":"neutral","sentiment_score":0.00748748891055584},{"text":"Well, yeah, I think with what you've said, maybe property isn't the way to go just yet.","start":1063.135,"end":1068.5751,"sentiment":"neutral","sentiment_score":-0.12732836374026887}],"sentiment":"neutral","sentiment_score":-0.05025714810096448,"num_words":31,"start":1055.53,"end":1068.5751},{"sentences":[{"text":"Maybe what sit would you think sit and wait and see what the market does after the federal election?","start":1068.5751,"end":1074.67,"sentiment":"neutral","sentiment_score":-0.09740026844175238},{"text":"And Yep.","start":1074.73,"end":1085.925,"sentiment":"neutral","sentiment_score":-0.011593985138460994},{"text":"Yep.","start":1093.985,"end":1094.485,"sentiment":"neutral","sentiment_score":0.045263729989528656},{"text":"Yep.","start":1099.5399,"end":1100.0399,"sentiment":"neutral","sentiment_score":-0.001727486029267311},{"text":"Mhmm.","start":1104.74,"end":1105.24,"sentiment":"neutral","sentiment_score":-0.13106077909469604}],"sentiment":"neutral","sentiment_score":-0.08172156690852717,"num_words":24,"start":1068.5751,"end":1105.24},{"sentences":[{"text":"Yes.","start":1110.075,"end":1110.575,"sentiment":"neutral","sentiment_score":-0.060053110122680664},{"text":"Yep.","start":1114.635,"end":1115.135,"sentiment":"neutral","sentiment_score":-0.11553554981946944},{"text":"Yep.","start":1117.275,"end":1117.775,"sentiment":"neutral","sentiment_score":-0.04224243760108948},{"text":"Yep.","start":1122.24,"end":1122.74,"sentiment":"neutral","sentiment_score":-0.1454824060201645},{"text":"No.","start":1127.12,"end":1127.62,"sentiment":"neutral","sentiment_score":-0.19441458582878113}],"sentiment":"neutral","sentiment_score":-0.11154561787843705,"num_words":5,"start":1110.075,"end":1127.62},{"sentences":[{"text":"Yep.","start":1131.4401,"end":1131.9401,"sentiment":"neutral","sentiment_score":-0.019346551969647408},{"text":"And with the investment account, what fees are involved?","start":1132.0801,"end":1136.7549,"sentiment":"neutral","sentiment_score":-0.01227039491964711},{"text":"What costs are involved with having that?","start":1136.815,"end":1138.995,"sentiment":"neutral","sentiment_score":-0.02323250166539635},{"text":"Yep.","start":1141.695,"end":1142.195,"sentiment":"neutral","sentiment_score":0.019233865663409233},{"text":"Yeah.","start":1143.455,"end":1143.855,"sentiment":"neutral","sentiment_score":0.09157613664865494}],"sentiment":"neutral","sentiment_score":-0.009557769241693773,"num_words":19,"start":1131.4401,"end":1143.855},{"sentences":[{"text":"Thank you.","start":1143.855,"end":1144.595,"sentiment":"positive","sentiment_score":0.41358985006809235},{"text":"Yeah.","start":1146.81,"end":1147.05,"sentiment":"neutral","sentiment_score":0.12264927476644516},{"text":"Because I've been pretty happy with the yeah.","start":1147.05,"end":1150.5701,"sentiment":"neutral","sentiment_score":0.2618531584739685},{"text":"Thank you.","start":1150.5701,"end":1151.21,"sentiment":"positive","sentiment_score":0.501506119966507},{"text":"The investment on my super, I think I've been pretty happy with.","start":1151.21,"end":1154.41,"sentiment":"positive","sentiment_score":0.5044376527269682}],"sentiment":"positive","sentiment_score":0.4040367326140404,"num_words":25,"start":1143.855,"end":1154.41},{"sentences":[{"text":"Not that I can follow it very well, but, yeah, it seems to keep going up, so I'm happy with that.","start":1154.41,"end":1162.7351,"sentiment":"positive","sentiment_score":0.3466052221400397},{"text":"I find the hub 24 statements really hard to interpret.","start":1164.9551,"end":1168.655,"sentiment":"negative","sentiment_score":-0.37546374797821047},{"text":"Yes, please.","start":1175.63,"end":1176.53,"sentiment":"neutral","sentiment_score":-0.0064908601343631744},{"text":"Because because when my sister was looking into it, she's like, how much does it cost you a year to have the, what is it, super fund?","start":1178.19,"end":1190.745,"sentiment":"neutral","sentiment_score":0.014211122498468117},{"text":"The self managed super fund?","start":1192.485,"end":1194.505,"sentiment":"neutral","sentiment_score":0.0033593603409826757}],"sentiment":"neutral","sentiment_score":0.0601782703700547,"num_words":65,"start":1154.41,"end":1194.505},{"sentences":[{"text":"The adviser.","start":1196.565,"end":1197.385,"sentiment":"neutral","sentiment_score":-0.011923761572688818},{"text":"And I'm like, I don't know.","start":1198.005,"end":1199.625,"sentiment":"neutral","sentiment_score":-0.011529491903881231},{"text":"Oh, he's there.","start":1203.21,"end":1204.01,"sentiment":"neutral","sentiment_score":-0.0023235913831740618},{"text":"Stop this.","start":1204.01,"end":1204.75,"sentiment":"neutral","sentiment_score":-0.017149530351161957},{"text":"Okay.","start":1211.61,"end":1212.01,"sentiment":"neutral","sentiment_score":0.12292753159999847}],"sentiment":"neutral","sentiment_score":-0.0008119127014651895,"num_words":14,"start":1196.565,"end":1212.01},{"sentences":[{"text":"Thank you.","start":1212.01,"end":1212.83,"sentiment":"neutral","sentiment_score":0.24372807145118713},{"text":"Yes.","start":1227.385,"end":1227.885,"sentiment":"neutral","sentiment_score":0.05183593928813934},{"text":"Yes, please.","start":1227.945,"end":1228.845,"sentiment":"neutral","sentiment_score":0.056310802698135376},{"text":"Wonderful.","start":1237.29,"end":1237.79,"sentiment":"positive","sentiment_score":0.4243652820587158},{"text":"Thank you.","start":1237.85,"end":1238.25,"sentiment":"positive","sentiment_score":0.38238532841205597}],"sentiment":"neutral","sentiment_score":0.23013120330870152,"num_words":8,"start":1212.01,"end":1238.25},{"sentences":[{"text":"And can I just double check what email address you have for me?","start":1238.25,"end":1241.77,"sentiment":"neutral","sentiment_score":0.07586819477952443},{"text":"Because I think I changed it with, but I don't know if I changed it with you guys.","start":1241.77,"end":1253.205,"sentiment":"neutral","sentiment_score":0.00008592441574566894},{"text":"Yep.","start":1255.0449,"end":1255.445,"sentiment":"neutral","sentiment_score":0.02545233629643917},{"text":"That's the right one.","start":1255.445,"end":1256.505,"sentiment":"neutral","sentiment_score":0.03056082408875227},{"text":"Yep.","start":1258.8049,"end":1259.3049,"sentiment":"neutral","sentiment_score":0.12791681289672852}],"sentiment":"neutral","sentiment_score":0.034147178842308556,"num_words":37,"start":1238.25,"end":1259.3049},{"sentences":[{"text":"Excellent.","start":1260.6201,"end":1261.1201,"sentiment":"positive","sentiment_score":0.389562726020813},{"text":"Wonderful.","start":1261.5,"end":1262.0,"sentiment":"positive","sentiment_score":0.4715004563331604},{"text":"Alright.","start":1262.7001,"end":1263.18,"sentiment":"neutral","sentiment_score":0.29988163709640503},{"text":"Well, thank you very much for that.","start":1263.18,"end":1264.9601,"sentiment":"positive","sentiment_score":0.5447158217430115},{"text":"Okay.","start":1270.9401,"end":1271.4401,"sentiment":"neutral","sentiment_score":0.11402493715286256}],"sentiment":"positive","sentiment_score":0.46254368261857465,"num_words":11,"start":1260.6201,"end":1271.4401},{"sentences":[{"text":"Yep.","start":1275.655,"end":1276.155,"sentiment":"neutral","sentiment_score":0.11957982182502748},{"text":"Wonderful.","start":1281.335,"end":1281.835,"sentiment":"positive","sentiment_score":0.6127725839614868},{"text":"Thank you so very much.","start":1281.975,"end":1283.4349,"sentiment":"positive","sentiment_score":0.6588008642196655},{"text":"And it it was Larissa, isn't it?","start":1284.9349,"end":1287.195,"sentiment":"neutral","sentiment_score":0.2804223426750728},{"text":"Larissa?","start":1288.0549,"end":1288.5549,"sentiment":"neutral","sentiment_score":-0.031961336731910706}],"sentiment":"positive","sentiment_score":0.3971567859252294,"num_words":15,"start":1275.655,"end":1288.5549},{"sentences":[{"text":"Yep.","start":1289.14,"end":1289.64,"sentiment":"neutral","sentiment_score":0.11901962757110596},{"text":"Excellent.","start":1289.86,"end":1290.36,"sentiment":"positive","sentiment_score":0.60103839635849},{"text":"Wonderful.","start":1290.66,"end":1291.16,"sentiment":"positive","sentiment_score":0.7390639781951904},{"text":"Well, thank you very much for your time.","start":1291.3,"end":1293.08,"sentiment":"positive","sentiment_score":0.7427843734622002},{"text":"Yep.","start":1300.58,"end":1301.08,"sentiment":"neutral","sentiment_score":0.16363850235939026}],"sentiment":"positive","sentiment_score":0.6304196243484815,"num_words":12,"start":1289.14,"end":1301.08},{"sentences":[{"text":"Wonderful.","start":1305.025,"end":1305.525,"sentiment":"positive","sentiment_score":0.8124451041221619},{"text":"Thank you so much.","start":1305.585,"end":1306.725,"sentiment":"positive","sentiment_score":0.8550698757171631},{"text":"Have a good day.","start":1307.4249,"end":1308.485,"sentiment":"positive","sentiment_score":0.7714249491691589},{"text":"Thanks, Marissa.","start":1309.585,"end":1310.565,"sentiment":"positive","sentiment_score":0.5616830289363861},{"text":"Thanks.","start":1310.705,"end":1311.205,"sentiment":"positive","sentiment_score":0.5806500911712646}],"sentiment":"positive","sentiment_score":0.7518700460592905,"num_words":12,"start":1305.025,"end":1311.205},{"sentences":[{"text":"Bye.","start":1311.265,"end":1311.765,"sentiment":"neutral","sentiment_score":0.3032556176185608}],"sentiment":"neutral","sentiment_score":0.3032556176185608,"num_words":1,"start":1311.265,"end":1311.765}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello. Tanya speaking.\n\nChannel 0: Hi, Tanya. Larissa from Oakview Financial. How are you going?\n\nChannel 1: Good. Thank you. How are you?\n\nChannel 0: Good. I am so sorry I'm calling you a bit late. I got hung up on another call client. Have I still\n\nChannel 1: No.\n\nChannel 0: got\n\nChannel 1: You're\n\nChannel 0: you at\n\nChannel 1: alright.\n\nChannel 0: a good time?\n\nChannel 1: Yeah. That yep. That's fine.\n\nChannel 0: Perfect. So before we jump into it, I do need to let you know our call is recorded. If I could get you some security for me?\n\nChannel 1: Yes.\n\nChannel 0: Just a full name, date of birth address.\n\nChannel 1: Tanya Russell and 02/14/1980 and 18 Parkside Court, Burfengary East.\n\nChannel 0: Cool. Okay. So you've previously talked with Tommy. Tommy kind of double booked himself today. I'm his head of advice, and he kinda swing phoned me in to to have a chat with you\n\nChannel 1: Yeah. You're welcome.\n\nChannel 0: to be able to, I guess, ascertain where you're at. So I understand that you are currently going to divorce, and there's you're looking at possibly, I guess, coming into a little bit of money through the financial separation of things.\n\nChannel 1: Yes. Yep.\n\nChannel 0: Okay. So\n\nChannel 1: So\n\nChannel 0: why\n\nChannel 1: that's\n\nChannel 0: don't\n\nChannel 1: all\n\nChannel 0: you run\n\nChannel 1: happened?\n\nChannel 0: me through okay.\n\nChannel 1: Yes.\n\nChannel 0: Cool. Run me through\n\nChannel 1: So\n\nChannel 0: where we're\n\nChannel 1: that\n\nChannel 0: at.\n\nChannel 1: yes. So with that settled just after well, early January, mid January. So I've had the bulk of my money sitting in a term deposit\n\nChannel 0: Yep.\n\nChannel 1: just so I could get my head around everything and settled in here.\n\nChannel 0: Yeah.\n\nChannel 1: But I'm looking at what where and what is the best option for me moving forward to invest my money. So what has ended up happening is my mom and dad sold everything, and they've bought a bigger block. And the girls and I are living in the house, and mom and dad have built a granny flat out the back. And then I'm just paying them a small amount of board each week, and we're splitting all the bills for the two thirds. I pay two thirds of most of the bills.\n\nSo it sort of leaves me in a position to the the purpose of it is dad has wanted to pay for everything so that when they pass, this place will be still split fifty fifty between myself and my sister.\n\nChannel 0: Yep.\n\nChannel 1: And it's whether I either have enough money and equity to buy this place and pay my sister out, or I have to move on somewhere else and we sell it\n\nChannel 0: Mhmm. Yep. Okay.\n\nChannel 1: when the time comes. So my thoughts are on back when I was married, we dabbled in shares and lost our money. The company went bankrupt, like, a month after we bought shares. So I've always felt like property was the safest investment, But, yeah, I just was wanting to get some advice on what's what's\n\nChannel 0: Which direction\n\nChannel 1: the best\n\nChannel 0: to\n\nChannel 1: to\n\nChannel 0: go?\n\nChannel 1: do. Yeah.\n\nChannel 0: Okay. Can I ask how much do we have sitting in the term deposit?\n\nChannel 1: So at the moment, I've got 440,000. I've got 40 of it sitting in a savings account that's earning 5.5% interest. And the 400, I can lock in for six months at 5.2.\n\nChannel 0: K. And when does the term deposit come up?\n\nChannel 1: On the twenty seventh of this month.\n\nChannel 0: Okay. So it's seventeen days. So\n\nChannel 1: Yep.\n\nChannel 0: okay. So there's a couple of options. So you're right. Like, with property, property is obviously like, property is always an option when it comes to investing.\n\nChannel 1: Yep.\n\nChannel 0: However, one of the biggest things that we probably need to consider is the fact that the government has just with the budget that's just been released, there's not a lot of legislative changes around property, and\n\nChannel 1: Yes.\n\nChannel 0: negative gearing is off the table\n\nChannel 1: Yep.\n\nChannel 0: to any new purchases. So, I mean, doing wrong $400,000 is a lot to like, it's it's a decent decent deposit to buy into a property. So\n\nChannel 1: Yep.\n\nChannel 0: you're probably not gonna be necessarily, like, heavily negatively geared if you were\n\nChannel 1: No.\n\nChannel 0: to go and purchase a property.\n\nChannel 1: Yep. I was I was hoping to get something around the $800,000 mark, so I'd only have to borrow 400,000.\n\nChannel 0: Yeah.\n\nChannel 1: And then the rents will cover the mortgage repayments.\n\nChannel 0: Yep. Have it basically neutral or positively geared, so to speak.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: That way, you're\n\nChannel 1: But\n\nChannel 0: not\n\nChannel 1: I'll\n\nChannel 0: having\n\nChannel 1: be the\n\nChannel 0: to put a lot into it.\n\nChannel 1: no. I wanna do principal and interest, so I'd get try and get it down as quick as I can. I I don't like\n\nChannel 0: Yeah.\n\nChannel 1: the idea of negatively gearing, but\n\nChannel 0: And can I can I ask, will your your income at the moment, like, do you have a considerable amount of savings each week after you or after all your expenses and everything?\n\nChannel 1: I can do. Obviously, I've been had a lot of expenses with getting everything back on our feet. But,\n\nChannel 0: Yeah.\n\nChannel 1: yeah, I I have purchased at the beginning of the year, I purchased a new BYD, and I've salary sacrificed that. So I bring home a thousand dollars a week. I'm paying 700 a fortnight, so 350 a week. I'm paying board to mom and dad. So, yes, there should be ample money left at the end of the week.\n\nChannel 0: Okay. So even if we did go down the line of purchasing properly, how much would you wanna put into like, would it be like, leave the 40,000 that you have in the savings account as available\n\nChannel 1: Yes.\n\nChannel 0: for emergencies and then put the 400 into the property?\n\nChannel 1: Yes. Yep.\n\nChannel 0: Yep. Would you wanna consider, say, maybe something similar to your superannuation structure so it's a little bit more liquid, or are you wanting to lock the money away? Because realistically speaking, property growth is a little bit questionable at the moment because of the changes in the government legislation.\n\nChannel 1: Okay.\n\nChannel 0: So it depends on how long you're looking to hold it and then, I guess, you know, what you're looking to do. Because, like, I I I understand, like, the the property you're at the moment, there is a chance that you could be able to buy, you know, if something happens to your parents and depending on what their health is and where they're sitting age wise. You know,\n\nChannel 1: Yep.\n\nChannel 0: if anything would happen, say, in five years' time, you might not have the growth in the property to be able to sell it, buy your sister out. Obviously,\n\nChannel 1: Yep.\n\nChannel 0: there's obviously the chance to be able to just move into that investment property, and it becomes your PPR.\n\nChannel 1: Yep.\n\nChannel 0: But it just, I guess, depends on which side of the coin you're happy with looking\n\nChannel 1: Yep.\n\nChannel 0: at, whether, you know, moving into the investment property is an option or whether you wanna keep it as an investment property and investment property only. Okay. Because there's always the other side of the coin where we can look say, what's called it IDPS or it's an it's an investment account.\n\nChannel 1: Yep.\n\nChannel 0: And we don't do silly things like invest in specific companies or, you know,\n\nChannel 1: Yep.\n\nChannel 0: specific individual securities. We go for holistic group so we have a wide range of different assets across different markets and different sectors. So we're not grouped, and we're not, you know that we reduce our risk.\n\nChannel 1: Okay.\n\nChannel 0: So we can always look at things like that. So similar structure\n\nChannel 1: Yeah.\n\nChannel 0: to your superannuation, but it's a little bit more liquid. So if something happens or, you know, your parents do pass away, you have the capacity to be able to say sell down on those assets and buy your sister out.\n\nChannel 1: Okay. I don't think I would have enough. Like, at the moment, with the granny flat that's going on, this property is probably looking at $2.02 mil. So I'm\n\nChannel 0: Cool.\n\nChannel 1: really it's probably at the moment without yeah. Yeah. If anything was to happen in the next five years, I really don't think I'd have a chance of buying my sister out unless I could like, it's a it's a big two and a half bed granny flat. I could probably rent it out for a significant amount of money, but that won't\n\nChannel 0: Yep.\n\nChannel 1: give them the return straight away to pay my sister out. And what sort of the investment accounts, what sort of return do they get?\n\nChannel 0: It depends on how we invest the funds,\n\nChannel 1: Okay.\n\nChannel 0: but anywhere from six to 12%. If we wanna\n\nChannel 1: Okay.\n\nChannel 0: go really aggressive, then I can we can look at sort of maybe 16%. Housing historically so if we look at housing over, like, the last fifty years, you're looking at, like, a 7.8% return\n\nChannel 1: I\n\nChannel 0: using, you know, historical fifty year\n\nChannel 1: can.\n\nChannel 0: averages.\n\nChannel 1: Yep.\n\nChannel 0: Obviously, nothing's guaranteed. And at the moment, I am I'm a little bit more concerned about where the property market's going specifically in the next twelve to like, twelve months, two years.\n\nChannel 1: Okay.\n\nChannel 0: It's it's anyone's game. And, like, I've spoken to real estate agents. I've spoken to brokers and and lenders and stuff like that about their, I guess, their same their same thoughts\n\nChannel 1: Yep.\n\nChannel 0: just because there have been there there's a lot going on at the moment. And with that as well, there's the federal election coming up within the next twelve months.\n\nChannel 1: Yep.\n\nChannel 0: So that's going to create a huge sway.\n\nChannel 1: Yes.\n\nChannel 0: Like, the one nation party has a lot behind you at the moment and what that might look like. There's a push to possibly look at if people aren't in their house or it's not being used as a rental property forcing people to sell their houses.\n\nChannel 1: Yep. Okay.\n\nChannel 0: So that that could create a massive influx in availability. And\n\nChannel 1: Okay.\n\nChannel 0: then with that availability, housing prices could\n\nChannel 1: Isis\n\nChannel 0: drop.\n\nChannel 1: Drive.\n\nChannel 0: Then there's then then there's the fact that superannuation funds, SMSFs, are no\n\nChannel 1: Yep.\n\nChannel 0: longer allowed to borrow money to purchase a property.\n\nChannel 1: That was\n\nChannel 0: So that's\n\nChannel 1: my next\n\nChannel 0: now going to\n\nChannel 1: mhmm. So that was my next question. So my sister's talking to somebody at the moment about using buying an investment property using her super.\n\nChannel 0: Unless she has the money to be able to buy outright, she is no longer able to do that. The government with the with the change in the legislation have prevented SMSF funds from being able to engage in what's called a LBRA. So it's a a leverage borrowing arrangement, basically.\n\nChannel 1: Right.\n\nChannel 0: And for residential for residential properties,\n\nChannel 1: Yep.\n\nChannel 0: you can still do it for for most most commercial properties. There is some caveat to that\n\nChannel 1: I\n\nChannel 0: that\n\nChannel 1: can.\n\nChannel 0: statement. And then there's obviously the negative gearing changes and the changes to capital gains. There's a lot there's a lot that's been released\n\nChannel 1: Yes.\n\nChannel 0: in that area, and a lot of it is kind of it's all very property. And\n\nChannel 1: Yes.\n\nChannel 0: so there's a lot of a lot of, I guess, people in my industry and industry adjacent that are considering what that might actually look like and whether that means that we're going to hit a bit of a property downturn,\n\nChannel 1: Okay. Which is a\n\nChannel 0: which,\n\nChannel 1: good time\n\nChannel 0: look,\n\nChannel 1: to\n\nChannel 0: could\n\nChannel 1: wait\n\nChannel 0: be\n\nChannel 1: and\n\nChannel 0: a\n\nChannel 1: buy?\n\nChannel 0: great buying opportunity.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. But it's just it it doesn't it doesn't hit will it hit you know, I've been,\n\nChannel 1: Yeah.\n\nChannel 0: you know, I've been talking to people for years ever since COVID. Never was like, you know, the market's inflated. The property market\n\nChannel 1: Yeah.\n\nChannel 0: will come down. The property market will come down. And COVID was six years six and a half years ago now when it first\n\nChannel 1: Yep.\n\nChannel 0: hit us, and I'm yet\n\nChannel 1: Yep.\n\nChannel 0: to\n\nChannel 1: Still\n\nChannel 0: see the\n\nChannel 1: husband.\n\nChannel 0: markets go down.\n\nChannel 1: Yep. Yep. And, like, my concern is, like, mom and dad had a unit duplexes at Morayfield that they I mean, they owned them for thirty years, but the capital gains that dad had to pay was, like, 300,000\n\nChannel 0: Yep.\n\nChannel 1: dollars on those units. And I'm like, that's crazy. Like, they're both pensioners. To pay that much money in capital gains was crazy.\n\nChannel 0: Was the capital gain 300,000, or was the actual tax obligation 300,000? Because if the tax obligation was 300,000, then, yes, I do feel sorry for them. But that means they made a lot, like, a lot a\n\nChannel 1: Yeah.\n\nChannel 0: lot.\n\nChannel 1: They\n\nChannel 0: Like,\n\nChannel 1: did make a lot of money.\n\nChannel 0: they would've\n\nChannel 1: It was cut it it was Capital Gains.\n\nChannel 0: yes.\n\nChannel 1: I think originally, they bought the duplexes. Don't quote me. It might have been around 30 or $60,000 thirty years ago,\n\nChannel 0: Yep.\n\nChannel 1: and they sold for 1.3 mil.\n\nChannel 0: Okay. Yep. That's where it is. Yep.\n\nChannel 1: Yep.\n\nChannel 0: They they made a million dollars.\n\nChannel 1: That's right. Yep.\n\nChannel 0: Yeah.\n\nChannel 1: Yes.\n\nChannel 0: And they they\n\nChannel 1: So\n\nChannel 0: would've they would've gotten a a concession. It still shouldn't have been even on a million dollar gain. I mean,\n\nChannel 1: well,\n\nChannel 0: I'd be\n\nChannel 1: that\n\nChannel 0: interested to see the figures just because it's my\n\nChannel 1: yeah.\n\nChannel 0: own\n\nChannel 1: They\n\nChannel 0: curiosity.\n\nChannel 1: haven't done their tax yet. Mom said they're doing that in October.\n\nChannel 0: Okay. Yeah. Well, they yeah. The capital the capital gain is gonna be no. So they bought for 60,000, and let's just say they sold that they sold for 1.3, so it's gonna basically be 1.25 in a gain.\n\nIf they own it equally together, that'll decrease. They'll drop in half because\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: each of them have their own, and then they'll get a discount from there. So it basically comes to 1.25 divided by four. Let's do the math because that's what we're about.\n\nChannel 1: Yes.\n\nChannel 0: Divided by four becomes oh, yeah. The 312,000. Cool. So that's why he's got the $300,000. So that's just that's what he's gonna be taxed on is what he's\n\nChannel 1: Yep.\n\nChannel 0: saying. The actual tax obligation is not gonna be not gonna be 300,000. It's just gonna be as if\n\nChannel 1: All good.\n\nChannel 0: they eat it's actually gonna be each of them. Each\n\nChannel 1: Yep.\n\nChannel 0: of them earn 300,000 for the year, which don't get me wrong. A $300,000 income is\n\nChannel 1: Issues.\n\nChannel 0: still a little bit.\n\nChannel 1: Yep.\n\nChannel 0: Yeah. It's just a little bit. So what's $3.12? 312,000 as a tax obligation. They're looking at about a $117,000 for the tax age.\n\nChannel 1: Right. Okay. Yeah.\n\nChannel 0: If there's\n\nChannel 1: Okay.\n\nChannel 0: anything that that that obviously would have been things in the sale of the property that they can deduct, and there'll be things for the year that they're able to to deduct as well.\n\nChannel 1: Yep.\n\nChannel 0: So that's just me saying that that's the tax on that, not necessarily anything else.\n\nChannel 1: Yep.\n\nChannel 0: But, yeah, it is\n\nChannel 1: Yeah.\n\nChannel 0: a bit.\n\nChannel 1: Okay. Yep. So that's when they say capital gains, that is your income pretty much for the year, and then you pay tax on that income. That's not actually how much\n\nChannel 0: Yeah.\n\nChannel 1: you pay. You don't pay 300\n\nChannel 0: You pay in\n\nChannel 1: thousand.\n\nChannel 0: tax.\n\nChannel 1: You pay tax\n\nChannel 0: No.\n\nChannel 1: on it.\n\nChannel 0: Yeah. Yeah. Yeah. So\n\nChannel 1: Yeah.\n\nChannel 0: it's basically,\n\nChannel 1: Yep.\n\nChannel 0: you you purchased this asset for this amount of money. So let's\n\nChannel 1: Yep.\n\nChannel 0: let's go stocks and shares. Right? So you buy,\n\nChannel 1: Yep.\n\nChannel 0: say, a thousand dollars worth of stocks, and over\n\nChannel 1: Yep.\n\nChannel 0: the twelve month period, it increases and doubles. So\n\nChannel 1: Yep.\n\nChannel 0: the calculation is really easy. It's the base cost, which is what you bought it for a thousand dollars,\n\nChannel 1: Yep.\n\nChannel 0: and it's the sale price. So sale price\n\nChannel 1: Yep.\n\nChannel 0: minus base cost equals your capital gain. So in this instance, bought it for a thousand dollars, sold it for $2,000. Your capital gain is a thousand dollars. So what\n\nChannel 1: Yep.\n\nChannel 0: happens with that thousand dollars is that gets added to your taxable income, and from there, you get taxed on that.\n\nChannel 1: Right. Okay.\n\nChannel 0: Yeah.\n\nChannel 1: Excellent. Because I've got a feeling dad thinks that he has to pay 300,000\n\nChannel 0: Yes.\n\nChannel 1: dollars is the tax amount, but it's tax on that amount.\n\nChannel 0: Which\n\nChannel 1: Okay.\n\nChannel 0: his accountant will be able to help him out anyway.\n\nChannel 1: Yep.\n\nChannel 0: And there'll\n\nChannel 1: Yep.\n\nChannel 0: be there'll\n\nChannel 1: Mhmm.\n\nChannel 0: be deductions that he's able to make because\n\nChannel 1: Mate.\n\nChannel 0: there's fees that he would have paid through the sale of the property and agencies and\n\nChannel 1: Yep.\n\nChannel 0: all the rest of the things that he'll be able to he'll be able to deduct deduct things.\n\nChannel 1: Yep.\n\nChannel 0: Unless\n\nChannel 1: Yep. Yep.\n\nChannel 0: he sold\n\nChannel 1: Excellent.\n\nChannel 0: the property on the July 1 year, he would have accrued and accumulated, you know, interest or some something on the property during that period of time. The rates have to be paid. Things have to happen.\n\nChannel 1: Yeah. Yep. Yep. Yes. Oh, well, that's good news because the granny flat they thought was gonna cost them 200,000, cost them nearly 300 and something.\n\nSo that that will be a pleasant surprise because\n\nChannel 0: Yes.\n\nChannel 1: every\n\nChannel 0: He'll\n\nChannel 1: everything's\n\nChannel 0: be a little\n\nChannel 1: working\n\nChannel 0: bit happy.\n\nChannel 1: out Jira.\n\nChannel 0: He'll have a laugh.\n\nChannel 1: Yes. Yes. So he's on my back\n\nChannel 0: Yeah.\n\nChannel 1: about getting my money invested. So yeah. Okay. Well, yeah, I think with what you've said, maybe property isn't the way to go just yet. Maybe what sit would you think sit and wait and see what the market does after the federal election?\n\nAnd\n\nChannel 0: Yeah. I mean, we could just like, I I know that you're scheduled in with Tommy for, like, a six monthly catch up, which is sort of four months away or so.\n\nChannel 1: Yep.\n\nChannel 0: So I think just having, like, those more, like, you know, three monthly catch ups with Tommy and or myself either way\n\nChannel 1: Yep.\n\nChannel 0: to just kind of keep your finger on the pulse, have those forward discussions, and go from there.\n\nChannel 1: Yep.\n\nChannel 0: The biggest issue is is if you go term deposit again, you're\n\nChannel 1: Mhmm.\n\nChannel 0: locking that money in. And if you need access to it, you have the break costs, which generally\n\nChannel 1: Yes.\n\nChannel 0: the brake costs are. You lose some of the interest. It's not generally a fee unless\n\nChannel 1: Yep.\n\nChannel 0: depending on how your actual structure is.\n\nChannel 1: Yep.\n\nChannel 0: So you just wanna be a little bit kind of cautious about that side of things. Not trying\n\nChannel 1: Yep.\n\nChannel 0: to dissuade you from locking it in or getting the return. Don't put it in an old bank account. That's generally pretty\n\nChannel 1: No.\n\nChannel 0: silly. You wanna try and get some decent return,\n\nChannel 1: Yep.\n\nChannel 0: especially for that amount\n\nChannel 1: And\n\nChannel 0: of money.\n\nChannel 1: with the investment account, what fees are involved? What costs are involved with having that?\n\nChannel 0: I'd have to look at it, which I can look at, and\n\nChannel 1: Yep.\n\nChannel 0: I can send it through to you. So\n\nChannel 1: Yeah.\n\nChannel 0: that way,\n\nChannel 1: Thank\n\nChannel 0: you have\n\nChannel 1: you.\n\nChannel 0: a bit of a yeah. That's okay.\n\nChannel 1: Yeah. Because I've\n\nChannel 0: Yeah.\n\nChannel 1: been\n\nChannel 0: I'll\n\nChannel 1: pretty\n\nChannel 0: look at\n\nChannel 1: happy\n\nChannel 0: it, and\n\nChannel 1: with\n\nChannel 0: I'll get\n\nChannel 1: the\n\nChannel 0: you something next week.\n\nChannel 1: yeah. Thank you. The investment on my super, I think I've been pretty happy with. Not that I can follow it very well, but, yeah, it seems to keep going up, so I'm happy with that.\n\nChannel 0: Happy days.\n\nChannel 1: I find the hub 24 statements really hard to interpret.\n\nChannel 0: Do you want me to send you through a simpler statement that probably looks more to what you're not used to?\n\nChannel 1: Yes, please.\n\nChannel 0: I can do\n\nChannel 1: Because\n\nChannel 0: that. I'll\n\nChannel 1: because\n\nChannel 0: draw one up,\n\nChannel 1: when\n\nChannel 0: and I'll\n\nChannel 1: my\n\nChannel 0: send it to you.\n\nChannel 1: sister was looking into it, she's like, how much does it cost you a year to have the, what is it, super fund? The self\n\nChannel 0: Like, the\n\nChannel 1: managed\n\nChannel 0: the adviser\n\nChannel 1: super fund?\n\nChannel 0: or the actual account?\n\nChannel 1: The adviser. And I'm like, I don't\n\nChannel 0: Yeah.\n\nChannel 1: know.\n\nChannel 0: I don't know. Some dollars.\n\nChannel 1: Oh, he's there.\n\nChannel 0: Yeah.\n\nChannel 1: Stop\n\nChannel 0: No.\n\nChannel 1: this.\n\nChannel 0: I'll I'll send you through a statement that's a little bit, I guess, easier to to follow.\n\nChannel 1: Okay. Thank you.\n\nChannel 0: No. That's too easy. What I actually do is because following Omi's conversation with you in May, he did send you, like, the the annual review pack, and that that remains unsigned. So I'll send that through to you again if you can have a look at that and sign it.\n\nChannel 1: Yes.\n\nChannel 0: But then\n\nChannel 1: Yes,\n\nChannel 0: I'll email\n\nChannel 1: please.\n\nChannel 0: you with, like, a breakdown on the super, and and I'll I'll draw some figures on what it would look like to invest the the money you have in the term deposit as well.\n\nChannel 1: Wonderful. Thank you. And can I just double check what email address you have for me? Because I think I changed it with,\n\nChannel 0: Ab?\n\nChannel 1: but I don't know if I changed it with you guys.\n\nChannel 0: Ten katie mad\n\nChannel 1: Yep. That's the right one.\n\nChannel 0: @gmail.com. Cool.\n\nChannel 1: Yep. Excellent.\n\nChannel 0: Cool.\n\nChannel 1: Wonderful. Alright. Well, thank you very much for that.\n\nChannel 0: Absolutely. My pleasure. I will get cracking on this. It will be next week just because it'll take\n\nChannel 1: Okay.\n\nChannel 0: me a little bit of time to to do other things amongst all my other tasks.\n\nChannel 1: Yep.\n\nChannel 0: But I'll get it through to you. I'll just email it, and I'll I'll send you a text message to let you know that I've emailed you.\n\nChannel 1: Wonderful. Thank you so very much.\n\nChannel 0: No.\n\nChannel 1: And\n\nChannel 0: My\n\nChannel 1: it\n\nChannel 0: absolute\n\nChannel 1: it was\n\nChannel 0: pleasure.\n\nChannel 1: Larissa,\n\nChannel 0: I\n\nChannel 1: isn't\n\nChannel 0: will\n\nChannel 1: it? Larissa?\n\nChannel 0: yes. Yeah. Larissa.\n\nChannel 1: Yep. Excellent.\n\nChannel 0: Yeah.\n\nChannel 1: Wonderful. Well, thank you very much for your time.\n\nChannel 0: No. Absolutely. My pleasure. I'll I'll get that information through to you. And if you have any questions, I'll I'll cc Tommy in.\n\nChannel 1: Yep.\n\nChannel 0: But feel free to come back to either of us with any questions, and we can kinda go from there.\n\nChannel 1: Wonderful. Thank you so much. Have a good day.\n\nChannel 0: This is my pleasure. You\n\nChannel 1: Thanks,\n\nChannel 0: too. Bye,\n\nChannel 1: Marissa.\n\nChannel 0: Tanya.\n\nChannel 1: Thanks. Bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":0.08,"end":0.39999998,"sentiment":"neutral","sentiment_score":0.03393618017435074},{"text":"Tanya speaking.","start":0.39999998,"end":1.3,"sentiment":"neutral","sentiment_score":0.03425843268632889}],"sentiment":"neutral","sentiment_score":0.034151015182336174,"channel":1,"num_words":3,"start":0.08,"end":1.3},{"sentences":[{"text":"Hi, Tanya.","start":1.92,"end":2.98,"sentiment":"neutral","sentiment_score":0.18911991268396378},{"text":"Larissa from Oakview Financial.","start":3.04,"end":4.4,"sentiment":"neutral","sentiment_score":0.21053964272141457},{"text":"How are you going?","start":4.4,"end":5.2999997,"sentiment":"neutral","sentiment_score":0.2465977892279625}],"sentiment":"neutral","sentiment_score":0.22067895531654358,"channel":0,"num_words":10,"start":1.92,"end":5.2999997},{"sentences":[{"text":"Good.","start":5.3599997,"end":5.7599998,"sentiment":"positive","sentiment_score":0.5977231860160828},{"text":"Thank you.","start":5.7599998,"end":6.16,"sentiment":"positive","sentiment_score":0.6080671548843384},{"text":"How are you?","start":6.16,"end":6.98,"sentiment":"neutral","sentiment_score":0.3191268742084503}],"sentiment":"positive","sentiment_score":0.46187301973501843,"channel":1,"num_words":6,"start":5.3599997,"end":6.98},{"sentences":[{"text":"Good.","start":7.2,"end":7.52,"sentiment":"neutral","sentiment_score":0.2441841661930084},{"text":"I am so sorry I'm calling you a bit late.","start":7.52,"end":9.2,"sentiment":"neutral","sentiment_score":-0.22370558381080627},{"text":"I got hung up on another call 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breakdown on the super, and and I'll I'll draw some figures on what it would look like to invest the the money you have in the term deposit as well.","start":1228.4551,"end":1237.035,"sentiment":"neutral","sentiment_score":0.07012634406633236}],"sentiment":"neutral","sentiment_score":0.07012634406633236,"channel":0,"num_words":34,"start":1228.4551,"end":1237.035},{"sentences":[{"text":"Wonderful.","start":1237.29,"end":1237.79,"sentiment":"positive","sentiment_score":0.4243652820587158},{"text":"Thank you.","start":1237.85,"end":1238.25,"sentiment":"positive","sentiment_score":0.38238532841205597},{"text":"And can I just double check what email address you have for me?","start":1238.25,"end":1241.77,"sentiment":"neutral","sentiment_score":0.07586819477952443},{"text":"Because I think I changed it 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thank you very much for your time.","start":1291.3,"end":1293.08,"sentiment":"positive","sentiment_score":0.7427843734622002}],"sentiment":"positive","sentiment_score":0.7423709962103102,"channel":1,"num_words":9,"start":1290.66,"end":1293.08},{"sentences":[{"text":"No.","start":1294.1799,"end":1294.58,"sentiment":"neutral","sentiment_score":0.16717664897441864},{"text":"Absolutely.","start":1294.58,"end":1295.08,"sentiment":"positive","sentiment_score":0.5575821399688721},{"text":"My pleasure.","start":1295.14,"end":1295.62,"sentiment":"positive","sentiment_score":0.6029167473316193},{"text":"I'll I'll get that information through to you.","start":1295.62,"end":1297.22,"sentiment":"positive","sentiment_score":0.5391333103179932},{"text":"And if you have any questions, I'll I'll cc Tommy 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representative from Oakview Financial calls Tanya to discuss her investment property plans and discusses potential housing price drops and negative gearing changes. The agent suggests selling a property and deducting capital gains from homeowners, but warns of the uncertainty of the housing market and potential property downturns. The speaker recommends keeping the money in case of a federal election and sends a review pack to the customer, promising to send a text message and email them."},"intents":{"segments":[{"text":"So there's a couple of options. So you're right. Like, with property, property is obviously like, property is always an option when it comes to investing. Yep.","start_word":549,"end_word":575,"intents":[{"intent":"Discuss investment options","confidence_score":0.047468297}]},{"text":"I was I was hoping to get something around the $800,000 mark, so I'd only have to borrow 400,000. Yeah.","start_word":671,"end_word":690,"intents":[{"intent":"Apply for investment","confidence_score":0.000009865276}]},{"text":"But it just, I guess, depends on which side of the coin you're happy with looking Yep. at, whether, you know, moving into the investment property is an option or whether you wanna keep it as an investment property and investment property only. Okay.","start_word":1093,"end_word":1136,"intents":[{"intent":"Analyze property options","confidence_score":0.1377493}]},{"text":"Housing historically so if we look at housing over, like, the last fifty years, you're looking at, like, a 7.8% return I using, you know, historical fifty year can. averages.","start_word":1422,"end_word":1451,"intents":[{"intent":"Analyze housing market","confidence_score":0.0054285876}]},{"text":"then with that availability, housing prices could Isis drop. Then Drive.","start_word":1620,"end_word":1630,"intents":[{"intent":"Determine house price","confidence_score":0.00020301901}]},{"text":"The government with the with the change in the legislation have prevented SMSF funds from being able to engage in what's called a LBRA. So it's a a leverage borrowing arrangement, basically. Right.","start_word":1706,"end_word":1738,"intents":[{"intent":"Analyze superannuation funds and lbra","confidence_score":0.0018282603}]},{"text":"And for residential for residential properties, Yep. you can still do it for for most most commercial properties.","start_word":1739,"end_word":1756,"intents":[{"intent":"Discuss residential and commercial properties","confidence_score":0.011593578}]},{"text":"you know, I've been talking to people for years ever since COVID. Never was like, you know, the market's inflated. The property market Yeah. will come down. The property market will come down. And COVID was six years six and a half years ago now when it first Yep. hit us, and I'm yet Yep. to Still see the husband. markets go down. Yep.","start_word":1886,"end_word":1949,"intents":[{"intent":"Evaluate the impact of covid on property market","confidence_score":0.00018770408}]},{"text":"Was the capital gain 300,000, or was the actual tax obligation 300,000?","start_word":2012,"end_word":2023,"intents":[{"intent":"Clarify capital gains/tax obligations","confidence_score":0.000006344324}]},{"text":"The actual tax obligation is not gonna be not gonna be 300,000. It's just gonna be as if All good.","start_word":2289,"end_word":2308,"intents":[{"intent":"Calculate tax obligations","confidence_score":0.14024284}]},{"text":"It's the base cost, which is what you bought it for a thousand dollars, Yep. and it's the sale price.","start_word":2536,"end_word":2555,"intents":[{"intent":"Clarify sales process","confidence_score":0.0010806884}]},{"text":"you with, like, a breakdown on the super, and and I'll I'll draw some figures on what it would look like to invest the the money you have in the term deposit as well. Wonderful. Thank you.","start_word":3336,"end_word":3372,"intents":[{"intent":"Gather investment information","confidence_score":0.000069874186}]}]},"sentiments":{"segments":[{"text":"Hello. Tanya speaking. Hi, Tanya. Larissa from Oakview Financial. How are you going?","start_word":0,"end_word":12,"sentiment":"neutral","sentiment_score":0.16502080857753754},{"text":"Good. Thank you.","start_word":13,"end_word":15,"sentiment":"positive","sentiment_score":0.5924138426780701},{"text":"How are you? Good. I am so sorry I'm calling you a bit late. I got hung up on another call client. Have I still No. got You're you at alright. a good time? Yeah. That yep. That's fine.","start_word":16,"end_word":54,"sentiment":"neutral","sentiment_score":-0.04640578106045723},{"text":"Perfect.","start_word":55,"end_word":55,"sentiment":"positive","sentiment_score":0.3726255297660827},{"text":"So before we jump into it, I do need to let you know our call is recorded. If I could get you some security for me? Yes. Just a full name, date of birth address. Tanya Russell and 02/14/1980 and 18 Parkside Court, Burfengary East. Cool. Okay. So you've previously talked with Tommy. Tommy kind of double booked himself today. I'm his head of advice, and he kinda swing phoned me in to to have a chat with you Yeah. You're welcome. to be able to, I guess, ascertain where you're at. So I understand that you are currently going to divorce, and there's you're looking at possibly, I guess, coming into a little bit of money through the financial separation of things. Yes. Yep. Okay. So So why that's don't all you run happened? me through okay. Yes. Cool. Run me through So where we're that at. yes. So with that settled just after well, early January, mid January. So I've had the bulk of my money sitting in a term deposit Yep. just so I could get my head around everything and settled in here. Yeah. But I'm looking at what where and what is the best option for me moving forward to invest my money. So what has ended up happening is my mom and dad sold everything, and they've bought a bigger block. And the girls and I are living in the house, and mom and dad have built a granny flat out the back. And then I'm just paying them a small amount of board each week, and we're splitting all the bills for the two thirds. I pay two thirds of most of the bills. So it sort of leaves me in a position to the the purpose of it is dad has wanted to pay for everything so that when they pass, this place will be still split fifty fifty between myself and my sister. Yep. And it's whether I either have enough money and equity to buy this place and pay my sister out, or I have to move on somewhere else and we sell it Mhmm. Yep. Okay. when the time comes. So my thoughts are on back when I was married, we dabbled in shares and lost our money. The company went bankrupt, like, a month after we bought shares. So I've always felt like property was the safest investment, But, yeah, I just was wanting to get some advice on what's what's Which direction the best to to go? do. Yeah. Okay. Can I ask how much do we have sitting in the term deposit? So at the moment, I've got 440,000. I've got 40 of it sitting in a savings account that's earning 5.5% interest. And the 400, I can lock in for six months at 5.2. K. And when does the term deposit come up? On the twenty seventh of this month. Okay. So it's seventeen days. So Yep. okay. So there's a couple of options. So you're right. Like, with property, property is obviously like, property is always an option when it comes to investing. Yep. However, one of the biggest things that we probably need to consider is the fact that the government has just with the budget that's just been released, there's not a lot of legislative changes around property, and Yes.","start_word":56,"end_word":613,"sentiment":"neutral","sentiment_score":-0.012820496043610958},{"text":"negative gearing is off the table Yep.","start_word":614,"end_word":620,"sentiment":"negative","sentiment_score":-0.3997857868671417},{"text":"to any new purchases. So, I mean, doing wrong $400,000 is a lot to like, it's it's a decent decent deposit to buy into a property. So Yep. you're probably not gonna be necessarily, like, heavily negatively geared if you were No.","start_word":621,"end_word":662,"sentiment":"neutral","sentiment_score":-0.1737636923789978},{"text":"to go and purchase a property.","start_word":663,"end_word":668,"sentiment":"negative","sentiment_score":-0.35308584570884705},{"text":"Yep. I was I was hoping to get something around the $800,000 mark, so I'd only have to borrow 400,000.","start_word":669,"end_word":688,"sentiment":"neutral","sentiment_score":0.2837800792651251},{"text":"Yeah.","start_word":689,"end_word":689,"sentiment":"positive","sentiment_score":0.34162086248397827},{"text":"And then the rents will cover the mortgage repayments.","start_word":690,"end_word":698,"sentiment":"neutral","sentiment_score":0.3018380105495453},{"text":"Yep. Have it basically neutral or positively geared, so to speak.","start_word":699,"end_word":709,"sentiment":"positive","sentiment_score":0.3686921298503876},{"text":"Yeah. Yeah. That way, you're But not I'll having be the to put a lot into it. no. I wanna do principal and interest, so I'd get try and get it down as quick as I can. I I don't like Yeah. the idea of negatively gearing, but And can I can I ask, will your your income at the moment, like, do you have a considerable amount of savings each week after you or after all your expenses and everything? I can do. Obviously, I've been had a lot of expenses with getting everything back on our feet. But, Yeah. yeah, I I have purchased at the beginning of the year, I purchased a new BYD, and I've salary sacrificed that. So I bring home a thousand dollars a week. I'm paying 700 a fortnight, so 350 a week.","start_word":710,"end_word":849,"sentiment":"neutral","sentiment_score":0.05192457139492035},{"text":"I'm paying board to mom and dad. So, yes, there should be ample money left at the end of the week.","start_word":850,"end_word":870,"sentiment":"positive","sentiment_score":0.4797244966030121},{"text":"Okay. So even if we did go down the line of purchasing properly, how much would you wanna put into like, would it be like, leave the 40,000 that you have in the savings account as available Yes. for emergencies and then put the 400 into the property? Yes. Yep. Yep. Would you wanna consider, say, maybe something similar to your superannuation structure so it's a little bit more liquid, or are you wanting to lock the money away?","start_word":871,"end_word":949,"sentiment":"neutral","sentiment_score":0.0586727075278759},{"text":"Because realistically speaking, property growth is a little bit questionable at the moment because of the changes in the government legislation.","start_word":950,"end_word":970,"sentiment":"negative","sentiment_score":-0.3730456531047821},{"text":"Okay. So it depends on how long you're looking to hold it and then, I guess, you know, what you're looking to do. Because, like, I I I understand, like, the the property you're at the moment, there is a chance that you could be able to buy, you know, if something happens to your parents and depending on what their health is and where they're sitting age wise. You know, Yep. if anything would happen, say, in five years' time, you might not have the growth in the property to be able to sell it, buy your sister out. Obviously, Yep. there's obviously the chance to be able to just move into that investment property, and it becomes your PPR. Yep. But it just, I guess, depends on which side of the coin you're happy with looking Yep. at, whether, you know, moving into the investment property is an option or whether you wanna keep it as an investment property and investment property only. Okay. Because there's always the other side of the coin where we can look say, what's called it IDPS or it's an it's an investment account. Yep. And we don't do silly things like invest in specific companies or, you know, Yep. specific individual securities. We go for holistic group so we have a wide range of different assets across different markets and different sectors. So we're not grouped, and we're not, you know that we reduce our risk. Okay. So we can always look at things like that. So similar structure Yeah. to your superannuation, but it's a little bit more liquid. So if something happens or, you know, your parents do pass away, you have the capacity to be able to say sell down on those assets and buy your sister out. Okay.","start_word":971,"end_word":1270,"sentiment":"neutral","sentiment_score":0.036770703742901485},{"text":"I don't think I would have enough.","start_word":1271,"end_word":1277,"sentiment":"negative","sentiment_score":-0.5509192943572998},{"text":"Like, at the moment, with the granny flat that's going on, this property is probably looking at $2.02 mil. So I'm Cool. really it's probably at the moment without yeah. Yeah.","start_word":1278,"end_word":1308,"sentiment":"neutral","sentiment_score":-0.2232234925031662},{"text":"If anything was to happen in the next five years, I really don't think I'd have a chance of buying my sister out unless I could like, it's a it's a big two and a half bed granny flat.","start_word":1309,"end_word":1347,"sentiment":"negative","sentiment_score":-0.47785475850105286},{"text":"I could probably rent it out for a significant amount of money, but that Yep.","start_word":1348,"end_word":1362,"sentiment":"neutral","sentiment_score":-0.29638299345970154},{"text":"won't give them the return straight away to pay my sister out.","start_word":1363,"end_word":1374,"sentiment":"negative","sentiment_score":-0.5792035460472107},{"text":"And what sort of the investment accounts, what sort of return do they get? It depends on how we invest the funds, Okay. but anywhere from six to 12%. If we wanna Okay. go really aggressive, then I can we can look at sort of maybe 16%. Housing historically so if we look at housing over, like, the last fifty years, you're looking at, like, a 7.8% return I using, you know, historical fifty year can. averages. Yep. Obviously, nothing's guaranteed. And at the moment, I am I'm a little bit more concerned about where the property market's going specifically in the next twelve to like, twelve months, two years. Okay. It's it's anyone's game. And, like, I've spoken to real estate agents. I've spoken to brokers and and lenders and stuff like that about their, I guess, their same their same thoughts Yep. just because there have been there there's a lot going on at the moment. And with that as well, there's the federal election coming up within the next twelve months. Yep. So that's going to create a huge sway. Yes. Like, the one nation party has a lot behind you at the moment and what that might look like.","start_word":1375,"end_word":1577,"sentiment":"neutral","sentiment_score":-0.128308966755867},{"text":"There's a push to possibly look at if people aren't in their house or it's not being used as a rental property forcing people to sell their houses.","start_word":1578,"end_word":1605,"sentiment":"negative","sentiment_score":-0.42242589592933655},{"text":"Yep. Okay. So that that could create a massive influx in availability. And Okay.","start_word":1606,"end_word":1619,"sentiment":"neutral","sentiment_score":-0.2129031866788864},{"text":"then with that availability, housing prices could Isis drop.","start_word":1620,"end_word":1628,"sentiment":"negative","sentiment_score":-0.40194979310035706},{"text":"Then Drive. there's then then there's the fact that superannuation funds, SMSFs, are no Yep. longer allowed to borrow money to purchase a property. That was So that's my next now going to mhmm. So that was my next question. So my sister's talking to somebody at the moment about using buying an investment property using her super. Unless she has the money to be able to buy outright, she is no longer able to do that. The government with the with the change in the legislation have prevented SMSF funds from being able to engage in what's called a LBRA. So it's a a leverage borrowing arrangement, basically. Right. And for residential for residential properties, Yep. you can still do it for for most most commercial properties. There is some caveat to that I that can. statement. And then there's obviously the negative gearing changes and the changes to capital gains. There's a lot there's a lot that's been released Yes. in that area, and a lot of it is kind of it's all very property. And Yes. so there's a lot of a lot of, I guess, people in my industry and industry adjacent that are considering what that might actually look like and whether that means that we're going to hit a bit of a property downturn, Okay. Which is a which, good time look, to could wait be and a buy?","start_word":1629,"end_word":1863,"sentiment":"neutral","sentiment_score":-0.11280128163226108},{"text":"great buying opportunity.","start_word":1864,"end_word":1866,"sentiment":"positive","sentiment_score":0.46837055683135986},{"text":"Yeah. Yeah. But it's just it it doesn't it doesn't hit will it hit you know, I've been, Yeah. you know, I've been talking to people for years ever since COVID. Never was like, you know, the market's inflated. The property market Yeah.","start_word":1867,"end_word":1909,"sentiment":"neutral","sentiment_score":-0.14977312088012695},{"text":"will come down. The property market will come down.","start_word":1910,"end_word":1918,"sentiment":"negative","sentiment_score":-0.3788042068481446},{"text":"And COVID was six years six and a half years ago now when it first Yep. hit us, and I'm yet Yep. to Still see the husband. markets go down. Yep. Yep. And, like, my concern is, like, mom and dad had a unit duplexes at Morayfield that they I mean, they owned them for thirty years, but the capital gains that dad had to pay was, like, 300,000 Yep. dollars on those units.","start_word":1919,"end_word":1992,"sentiment":"neutral","sentiment_score":-0.14034244055683548},{"text":"And I'm like, that's crazy.","start_word":1993,"end_word":1997,"sentiment":"negative","sentiment_score":-0.48211923241615295},{"text":"Like, they're both pensioners.","start_word":1998,"end_word":2001,"sentiment":"neutral","sentiment_score":-0.2590096890926361},{"text":"To pay that much money in capital gains was crazy.","start_word":2002,"end_word":2011,"sentiment":"negative","sentiment_score":-0.4317319393157959},{"text":"Was the capital gain 300,000, or was the actual tax obligation 300,000?","start_word":2012,"end_word":2023,"sentiment":"neutral","sentiment_score":-0.17776499688625336},{"text":"Because if the tax obligation was 300,000, then, yes, I do feel sorry for them.","start_word":2024,"end_word":2038,"sentiment":"negative","sentiment_score":-0.3663697242736816},{"text":"But that means they made a lot, like, a lot a Yeah. lot. They Like, did make a lot of money. they would've It was cut it it was Capital Gains. yes. I think originally, they bought the duplexes. Don't quote me. It might have been around 30 or $60,000 thirty years ago, Yep. and they sold for 1.3 mil. Okay. Yep. That's where it is. Yep. Yep. They they made a million dollars. That's right. Yep. Yeah. Yes. And they they So would've they would've gotten a a concession. It still shouldn't have been even on a million dollar gain. I mean, well, I'd be that interested to see the figures just because it's my yeah. own They curiosity. haven't done their tax yet. Mom said they're doing that in October. Okay. Yeah. Well, they yeah. The capital the capital gain is gonna be no. So they bought for 60,000, and let's just say they sold that they sold for 1.3, so it's gonna basically be 1.25 in a gain. If they own it equally together, that'll decrease. They'll drop in half because Mhmm. Yep. each of them have their own, and then they'll get a discount from there. So it basically comes to 1.25 divided by four. Let's do the math because that's what we're about. Yes. Divided by four becomes oh, yeah. The 312,000.","start_word":2039,"end_word":2265,"sentiment":"neutral","sentiment_score":-0.05575918294653493},{"text":"Cool.","start_word":2266,"end_word":2266,"sentiment":"positive","sentiment_score":0.5643360018730164},{"text":"So that's why he's got the $300,000. So that's just that's what he's gonna be taxed on is what he's Yep. saying. The actual tax obligation is not gonna be not gonna be 300,000. It's just gonna be as if All good. they eat it's actually gonna be each of them. Each of Yep. them earn 300,000 for the year, which don't get me wrong. A $300,000 income is Issues. still a little bit. Yep. Yeah. It's just a little bit. So what's $3.12? 312,000 as a tax obligation. They're looking at about a $117,000 for the tax age. Right. Okay. Yeah. If there's Okay. anything that that that obviously would have been things in the sale of the property that they can deduct, and there'll be things for the year that they're able to to deduct as well. Yep. So that's just me saying that that's the tax on that, not necessarily anything else. Yep. But, yeah, it is Yeah. a bit. Okay. Yep. So that's when they say capital gains, that is your income pretty much for the year, and then you pay tax on that income. That's not actually how much Yeah. you pay. You don't pay 300 You pay in thousand. tax. You pay tax No. on it. Yeah. Yeah. Yeah. So Yeah. it's basically, Yep. you you purchased this asset for this amount of money. So let's Yep. let's go stocks and shares. Right? So you buy, Yep. say, a thousand dollars worth of stocks, and over Yep. the twelve month period, it increases and doubles. So Yep. the calculation is really easy. It's the base cost, which is what you bought it for a thousand dollars, Yep. and it's the sale price. So sale price Yep. minus base cost equals your capital gain. So in this instance, bought it for a thousand dollars, sold it for $2,000. Your capital gain is a thousand dollars. So what Yep. happens with that thousand dollars is that gets added to your taxable income, and from there, you get taxed on that. Right. Okay. Yeah.","start_word":2267,"end_word":2613,"sentiment":"neutral","sentiment_score":0.021469367471435012},{"text":"Excellent.","start_word":2614,"end_word":2614,"sentiment":"positive","sentiment_score":0.3626827597618103},{"text":"Because I've got a feeling dad thinks that he has to pay 300,000 Yes. dollars is the tax amount, but it's tax on that amount. Which Okay. his accountant will be able to help him out anyway. Yep. And there'll Yep. be there'll Mhmm. be deductions that he's able to make because Mate. there's fees that he would have paid through the sale of the property and agencies and Yep. all the rest of the things that he'll be able to he'll be able to deduct deduct things. Yep. Unless Yep. Yep. he sold Excellent. the property on the July 1 year, he would have accrued and accumulated, you know, interest or some something on the property during that period of time. The rates have to be paid. Things have to happen. Yeah. Yep. Yep. Yes. Oh, well, that's good news because the granny flat they thought was gonna cost them 200,000, cost them nearly 300 and something.","start_word":2615,"end_word":2772,"sentiment":"neutral","sentiment_score":0.04990604147315025},{"text":"So that that will be a pleasant surprise because Yes. every He'll everything's be a little working bit happy.","start_word":2773,"end_word":2791,"sentiment":"positive","sentiment_score":0.4612747728824615},{"text":"out Jira. He'll have a laugh. Yes. Yes. So he's on my back Yeah. about getting my money invested. So yeah. Okay. Well, yeah, I think with what you've said, maybe property isn't the way to go just yet. Maybe what sit would you think sit and wait and see what the market does after the federal election? And Yeah. I mean, we could just like, I I know that you're scheduled in with Tommy for, like, a six monthly catch up, which is sort of four months away or so. Yep. So I think just having, like, those more, like, you know, three monthly catch ups with Tommy and or myself either way Yep. to just kind of keep your finger on the pulse, have those forward discussions, and go from there. Yep. The biggest issue is is if you go term deposit again, you're Mhmm. locking that money in. And if you need access to it, you have the break costs, which generally Yes. the brake costs are. You lose some of the interest. It's not generally a fee unless Yep. depending on how your actual structure is. Yep. So you just wanna be a little bit kind of cautious about that side of things. Not trying Yep. to dissuade you from locking it in or getting the return. Don't put it in an old bank account. That's generally pretty No. silly. You wanna try and get some decent return, Yep. especially for that amount And of money. with the investment account, what fees are involved? What costs are involved with having that? I'd have to look at it, which I can look at, and Yep. I can send it through to you. So Yeah. that way, Thank you have you. a bit of a yeah. That's okay. Yeah. Because I've Yeah. been I'll pretty look at happy it, and with I'll get the you something next week. yeah.","start_word":2792,"end_word":3112,"sentiment":"neutral","sentiment_score":-0.015211563583498244},{"text":"Thank you. The investment on my super, I think I've been pretty happy with. Not that I can follow it very well, but, yeah, it seems to keep going up, so I'm happy with that. Happy days.","start_word":3113,"end_word":3149,"sentiment":"positive","sentiment_score":0.42151591181755066},{"text":"I find the hub 24 statements really hard to interpret.","start_word":3150,"end_word":3159,"sentiment":"negative","sentiment_score":-0.3697114586830139},{"text":"Do you want me to send you through a simpler statement that probably looks more to what you're not used to? Yes, please. I can do Because that. I'll because draw one up, when and I'll my send it to you. sister was looking into it, she's like, how much does it cost you a year to have the, what is it, super fund? The self Like, the managed the adviser super fund? or the actual account? The adviser. And I'm like, I don't Yeah. know. I don't know. Some dollars. Oh, he's there. Yeah. Stop No. this. I'll I'll send you through a statement that's a little bit, I guess, easier to to follow. Okay. Thank you. No. That's too easy. What I actually do is because following Omi's conversation with you in May, he did send you, like, the the annual review pack, and that that remains unsigned. So I'll send that through to you again if you can have a look at that and sign it. Yes. But then Yes, I'll email please. you with, like, a breakdown on the super, and and I'll I'll draw some figures on what it would look like to invest the the money you have in the term deposit as well.","start_word":3160,"end_word":3369,"sentiment":"neutral","sentiment_score":0.01929754639665286},{"text":"Wonderful. Thank you.","start_word":3370,"end_word":3372,"sentiment":"positive","sentiment_score":0.3863803446292877},{"text":"And can I just double check what email address you have for me? Because I think I changed it with, Ab? but I don't know if I changed it with you guys. Ten katie mad Yep. That's the right one. @gmail.com. Cool. Yep.","start_word":3373,"end_word":3415,"sentiment":"neutral","sentiment_score":0.032135456800460815},{"text":"Excellent.","start_word":3416,"end_word":3416,"sentiment":"positive","sentiment_score":0.389562726020813},{"text":"Cool.","start_word":3417,"end_word":3417,"sentiment":"neutral","sentiment_score":0.33175742626190186},{"text":"Wonderful.","start_word":3418,"end_word":3418,"sentiment":"positive","sentiment_score":0.4715004563331604},{"text":"Alright.","start_word":3419,"end_word":3419,"sentiment":"neutral","sentiment_score":0.29988163709640503},{"text":"Well, thank you very much for that. Absolutely. My pleasure. I will get cracking on this.","start_word":3420,"end_word":3435,"sentiment":"positive","sentiment_score":0.490949422121048},{"text":"It will be next week just because it'll take Okay. me a little bit of time to to do other things amongst all my other tasks. Yep. But I'll get it through to you. I'll just email it, and I'll I'll send you a text message to let you know that I've emailed you.","start_word":3436,"end_word":3489,"sentiment":"neutral","sentiment_score":0.1803254783153534},{"text":"Wonderful. Thank you so very much. No. And My it absolute it was pleasure.","start_word":3490,"end_word":3503,"sentiment":"positive","sentiment_score":0.6015496850013733},{"text":"Larissa, I isn't will it? Larissa? yes. Yeah. Larissa. Yep.","start_word":3504,"end_word":3513,"sentiment":"neutral","sentiment_score":-0.04169803112745285},{"text":"Excellent. Yeah. Wonderful. Well, thank you very much for your time.","start_word":3514,"end_word":3524,"sentiment":"positive","sentiment_score":0.6907416582107544},{"text":"No.","start_word":3525,"end_word":3525,"sentiment":"neutral","sentiment_score":0.16717664897441864},{"text":"Absolutely. My pleasure. I'll I'll get that information through to you.","start_word":3526,"end_word":3536,"sentiment":"positive","sentiment_score":0.5436431765556335},{"text":"And if you have any questions, I'll I'll cc Tommy in. Yep. But feel free to come back to either of us with any questions, and we can kinda go from there.","start_word":3537,"end_word":3568,"sentiment":"neutral","sentiment_score":0.22774259746074677},{"text":"Wonderful. Thank you so much. Have a good day. This is my pleasure. You Thanks, too. Bye, Marissa. Tanya. Thanks.","start_word":3569,"end_word":3588,"sentiment":"positive","sentiment_score":0.6561766266822815},{"text":"Bye. Bye.","start_word":3589,"end_word":3590,"sentiment":"neutral","sentiment_score":0.2838711738586426}],"average":{"sentiment":"neutral","sentiment_score":-0.008546114754144945}}}}