{"metadata":{"transaction_key":"deprecated","request_id":"019dccd2-dc95-7d10-8187-81fa061cd34e","sha256":"409d40e02431af945e0e70e975c07d8fc0c4bb03ae96cf32b1dd48e5d62b76f2","created":"2026-04-27T02:44:28.913Z","duration":2209.608,"channels":2,"models":["c0dd532d-9b09-484d-a717-be8b6fd1bb8c"],"model_info":{"c0dd532d-9b09-484d-a717-be8b6fd1bb8c":{"name":"2-phonecall-nova","version":"2024-02-07.8919","arch":"nova-2"}},"summary_info":{"model_uuid":"67875a7f-c9c4-48a0-aa55-5bdb8a91c34a","input_tokens":8727,"output_tokens":111},"sentiment_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":9858,"output_tokens":9877},"intents_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":9858,"output_tokens":567}},"results":{"channels":[{"alternatives":[{"transcript":"Good afternoon. Good afternoon, Michelle. It's Larissa how from OP Financial. How are you going? That's good. I had you scheduled in to talk with yourself and your husband. No. It's actually not a public holiday for us in Queensland. So I am working away. Yep. I know. Pretty much, like, all the other states decide to declare a public holiday, but Queensland only declare the holiday if it's on a if if Anzac Day falls on a Sunday. I know. Nope. So so on Australian. Anyway, just to let you know, our calls are recorded. And then if I could just get you to go do a quick security for me, just full name, date of birth, and address. Perfection. Alright. So we wanna just go through and have a bit of a chat with yourself With yourself? Yeah. Yeah. Yeah. No. Pink Pinnacle is can I get you to forward the email to me? Yeah. Yeah. Yeah. Yep. Yes. Yep. Yeah. Well, I mean, that's the super fund, but yes. Yep. That's the fund that we set up for you, and that that's just all connected to you being able to log in to your, like, account. Yep. No. You're still fine. Yeah. Yeah. Yeah. Can you if I send you an email now, are you able to forward that to me? Yeah. Yeah. No. No. I've forward the email, and I'll have a look at it. Yeah. No. That's so fine. No. I'm I'm here. I'm ready to go. Yeah. Yeah. Yeah. Perfect. Yep. Correct. Yep. Yep. Yes. So if you yeah. Whatever money you put into the super funds, you wouldn't be able to, like, pull out until at least age 60. So it it it is sort of a a a bit of a catch 22. You either pay the taxes and it's gone to the ATO and you'll never get that money back. It is what it is. Or you put into super funds, you can't touch it until 60, but it's not gone gone to the ATO when it's just it's, you know, doing its thing working for you for now. Yes. He's hiding somewhere. Yeah. No. Go find him. Absolutely. That's okay. Let him do that. You don't have a week or two. You I mean, realistically, you have you have until the June before you have to make any decisions. I would recommend that you don't make any like, that you have your resolute decision done by, like, the June 15, so mid June. So that way you're able to execute and pay any money that you need to pay. If you wait any longer just with bank transfer times, the amount of stuff that happens during that period of time, you don't wanna don't get me wrong. I have had people make a payment on, like, the Friday before end of financial year ends, and we get it we get it done, it's a generally, can be a bit of a hard push because it doesn't it takes time for the depending on how much money for it to leave your bank account, land with the the super fund, and go and do all stuff from there. And after the financial year rolls, June 30, there's nothing you can do. It's whatever's done is done. Yeah. Correct. Correct. No. They stay go still going to Hesper's very much. Yes. Superfund. Yep. Yeah. Go again. Yep. Yeah. Yeah. Yes. Yep. Yes. Yeah. Yeah. I can connect you with her, and and and you guys can have a meeting and and and just sort of have a look at what serviceability looks like Mhmm. And and yet go from there. Because that that's the best way to always do it is to have a look at serviceability, see what, you know, your interest rate roughly would be, how much your borrowed borrowing capacity would be, what that looks like from a financial position. Her and I can can talk and and, you know, obviously, keep you in the loop at every stage, and and and we can kind of budgetarily make sure that it functions works for you. Yeah. Wouldn't yep. Cool. I was like, I sent it. I hope I sent it to the right place. Yeah. Yeah. You'll you'll call through, and you'll you'll get my admin staff at the first point. It's very, very rare that I'm available enough to be able to just pick up the phone. Yeah. Yeah. But yeah. Absolutely. And you have my a you have my email address, so you can always just quickly flick an email through and schedule appointment that way too. But yeah. If yeah. Sometimes it's just easy to just jump on the phone and and they'll be able to, yeah, schedule an appointment. We'll have a look at my calendar and see what works and what works for you and pop a pop an appointment in the calendar so that way we can, yeah, meet, discuss, and you can bring any questions. If you have questions that you wanna email through to me, you can do it that way. That way I'm at least a little bit prepared for whatever you might throw my way, but I'm always happy to ad hoc it as well. Yeah. No. And, look, we can always we can always do a, like, a video call as well. I can, like, send you an email. You just have to click on the link, and it will do it all for you, and we can meet virtually that way. Yeah. Yeah. No. I get it. Do technological things at the same time as you're talking. You're okay. It's a Monday morning as well. Into it. Yeah. Yeah. No. So North is so you would have received two emails from North. One would have been, like, the welcome to your account. This is your account login details. And then the second one would have been, like, here's your temporary password. The look. The temporary password will be expired by now, which is fine. It's just you use it when you log in to the first time. So when you go to log in, you'll just say forgot password. Because a temporary password, if memory serves, only lasts for twenty four hours. This morning? Oh, perfect. Yeah. Yeah. Yeah. Because I I helped Jordan, which is who you spoke to on Friday. I helped Jordan process your application on Friday. And sometimes Friday applications might not go through the system until Monday, but it seems like it might have might have gone through nicely last Friday before the weekend hit. Yeah. Yeah. Yeah. Help you in more ways than one. Not just not just super focused looking at everything. Yeah. Yeah. Yeah. Yeah. So, like, I guess, basically, the the the crux of the the whole strategy is there's one of two directions that you can you can sort of look at things. You can either look look at the fact that the money has to go irrespective. It's a question of do you let it go to the ATO? Because you're gonna have to pay this this bill. Now with the ATO, you you can obviously pay the ATO bill off slowly. You can just have a debt there, and you just pay it off slowly with them. You don't have to pay it as a lump sum, which means that you can keep the money in your offset. Yeah. So you you can work with your accountant. Yeah. You can work with your accountant. You can basically set up a payment scheme, like a repaint a rep or a payment schedule. That's what I want. Or a payment schedule with the ATO, and you just you pay it off at at x amount each month. And you can have it going that way, which means that you can keep the money in your offset so you don't have to incur interest. So there is that. You would need to talk with your accountant as to what that looks like from a do you incur interest with the ATO? How how you know, what will will the ATO allow us to pay it off over a couple of years? Do we have to pay it off this year? How can we you know, what what repayment schedule does it look like? Or, you know, because you're gonna have to pay it, and the money the only money that you really have available is what's sitting on in your offset, you know, rather than sending the money in your offset off to the ATO, do we put it all into our superannuation fund? That way, rather than I'm not I don't wanna use I don't wanna use the word waste, but, realistically, let's be honest, sometimes taxes are a waste of money. It's funny ways. Anyway, rather than, you know, wasting the money and sending it to the ATO for taxes, we can put it into the super fund and pay a much smaller amount of tax than what the ATO is currently wanting, and we can we can do it that way. The difference is is the ATO are gonna want less than what you would have to put in your superannuation fund to offset it. Because the ATO, like, it's, you know, the the $65,000 or you know, as your as your accountant could have calculated, it's obviously a little bit different to my calculations. They have a little bit more information. But it's the $65,000 that you guys would be assessed at as your capital gains, but that's not the amount of tax you pay. You pay, you know, the 30% based on your marginal rate. Yeah. Yeah. He did hang a bit more. Mhmm. Correct. Correct. Yeah. Yeah. Yeah. Perfect. Correct. Yeah. So my math isn't too too far off then. I did pretty good. Yep. Correct. You guys have you guys have carry forward room. Yeah. Yeah. So so that so where that difference lies is basically the ACO is saying you owe us $55.60, whatever the case may be, because the marginal rate, if you guys wanna wipe that bill entirely, you guys would have to put in basically 65 each. Yeah. I see. Yeah. Yeah. Yeah. It's just it's too much. Can sometimes be better to be poor. Yes. Very much so. Yeah. Yeah. Which I've I've done the rough I've done the rough calculations for you based on how much you take out of the offset. Yeah. Yeah. Yeah. No. It does it does it makes perfect sense. It's just it's it's a matter of can you like, of of of weighing up the two fiscal outcomes or financial outcomes, and then also looking at well, because we have all the money sitting in the offset, could we put you know, if we do take from the offset and and create a bit of a a bill, can we then make sure that we're, you know, not being a little bit more frugal, putting more money back into the offset and just absolutely, like, hammering money into the offset to bring it back up. Because we we we previously had a mortgage. We were previously paying for our mortgage, then we sold the block of land. Now we don't have to put money into the mortgage. That money has gone somewhere. It's going towards other expenses living a little bit less frugally because we don't have that mortgage to consider or think about. So maybe it's a matter of taking a step back, tightening that belt a little bit, going back to pretending like we do have a mortgage, and just literally putting money as much as possible back into that offset. Yep. Yeah. Very very much so. Yeah. Like because, realistically, the interest the interest that you'd be charged because you the mortgage lasts for another twenty three years. The interest that you would be charged over the next twenty three years if you, you know, didn't put any money onto it would be quite a lot over that time. But if you take the money, incur the little bit of interest, and just make sure that you you know, it just depends on how much money you can put back into that account. That's where the way up comes. If you're, you know, guarantee yeah. If you're guaranteeing that you can put x amount in each week, that obviously changes how everything would would flow. Yeah. Yep. Yes. Yep. I I mean, I would, yeah, I would, at the very least, because you've got sort of about the $30 sitting in excess on the offset. I would, at the very least, take that excess that you have. So, you know, mortgages sitting at, you know, $3.03 77, and you've got sort of 400,000 sitting in the in the offset. I would take whatever's there you go. Yeah. The I mean, I would I would probably try and put whatever's currently excess into your super funds just to bring that debt down a little bit. And then just call your accountant and say, hey. Can I can I do a a a repayment schedule with the ATO? What does the interest rate look like on that? Because the ATO can sometimes do, like, a really short time like, short term repayment schedule without interest depending on how you set it up. You could sort of do something along those lines where you you have a proper payment schedule. That way, you're not having to take out of your mortgage offset. And it means that, you know, whatever you guys were gonna allocate to your mortgage offset, you can send over to the ATO instead. So that way you guys are keeping to that little bit more conservative position where you you don't incur any interest on the mortgage. Yeah. Yeah. Absolutely. More than happy to. Does that, I guess, give you someone to bounce off and give you some little bit more clarity? Or yeah. Yeah. Yeah. You got grocer. Yes. Yeah. Yeah. Exactly. The more the more money you invest, the the and over the longer term, the better outcome you have, most certainly. Yeah. Yeah. Yeah. And there's there's also the consideration that, you know, whilst you guys wanna, you know, have have your current house, you know, with no mortgage or very little, if we're gonna go and get an investment property or go and buy a unit, that position is gonna change. You know? We are in the unit for twelve months. We can always shift any debt that's sitting on our house over to the investment property. So there's there's always you know, we we can be very flexible with how we do things. We might have to incur interest for a short term on our house, but we can change that with, you know, shifting it later onto the investment property. It's all just about refinancing. So just using equity equity that we have in the property and just shifting it from one property to the other. Yeah. Exactly. Definitely does. That's exactly how it works. Just a matter of yeah. Yeah. So we might, like, we might have to you know, well, irrespective, if if you pay the ATO off in a bulk, you're gonna end up with a little bit of you're gonna you're gonna end up incurring interest because, you know, you you'd lose the money out of that account. But when we buy the investment property, it's gonna do its thing, and then, you know, you're gonna be able to ship the money again. Like, it's it's it might just be a matter of sort of rolling rolling where the the debt sits and and shifting how the finances move. And anytime we make any big financial change, it's gonna uproot the entire system anyway. Just gives you another layer of things to think about. That's okay. Well, I can get rid of one of your headaches. I had to look through the email that you forwarded me. I think it's just peak pinnacle doing what they should have done back in the beginning by issuing you with the financial services guide. It's come directly from Peak Pinnacle. It hasn't come from me or or or Fabian or anything like that. It just come from Peak Pinnacle when you first spoke to them. I think they're just sending you yeah. They're just sending you the financial services guide in connection with the conversation they had with you because they're supposed to send that to you. Yep. No. That's okay. Absolutely. Look. If there's any questions you have or if you wanna run anything by me, just flick me an email. We'll give my team a call. And if I'm available on the spot, I'll give you a call ad hoc like I you know, if if I can. Otherwise, I'll just I'll schedule you in within the next sort of two or three days to have a chat. Yeah. Yeah. Yeah. Yeah. Yeah. Absolutely. Yeah. If you if you run into any issues, let me know. No. That's okay. Did did the other half have any questions at all? He's done for the day. He's in holiday mode. That's okay. If he has any questions, again, just shoot me an email. He will. Thanks, Michelle. 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afternoon. Good afternoon, Michelle. It's Larissa how from OP Financial. How are you going? That's good.\n\nI had you scheduled in to talk with yourself and your husband. No. It's actually not a public holiday for us in Queensland. So I am working away. Yep.\n\nI know. Pretty much, like, all the other states decide to declare a public holiday, but Queensland only declare the holiday if it's on a if if Anzac Day falls on a Sunday. I know. Nope. So so on Australian.\n\nAnyway, just to let you know, our calls are recorded. And then if I could just get you to go do a quick security for me, just full name, date of birth, and address. Perfection. Alright. So we wanna just go through and have a bit of a chat with yourself With yourself?\n\nYeah. Yeah. Yeah. No. Pink Pinnacle is can I get you to forward the email to me?\n\nYeah. Yeah. Yeah. Yep. Yes.\n\nYep. Yeah. Well, I mean, that's the super fund, but yes. Yep. That's the fund that we set up for you, and that that's just all connected to you being able to log in to your, like, account.\n\nYep. No. You're still fine. Yeah. Yeah.\n\nYeah. Can you if I send you an email now, are you able to forward that to me? Yeah. Yeah. No.\n\nNo. I've forward the email, and I'll have a look at it. Yeah. No. That's so fine.\n\nNo. I'm I'm here. I'm ready to go. Yeah. Yeah.\n\nYeah. Perfect. Yep. Correct. Yep.\n\nYep. Yes. So if you yeah. Whatever money you put into the super funds, you wouldn't be able to, like, pull out until at least age 60. So it it it is sort of a a a bit of a catch 22.\n\nYou either pay the taxes and it's gone to the ATO and you'll never get that money back. It is what it is. Or you put into super funds, you can't touch it until 60, but it's not gone gone to the ATO when it's just it's, you know, doing its thing working for you for now. Yes. He's hiding somewhere.\n\nYeah. No. Go find him. Absolutely. That's okay.\n\nLet him do that. You don't have a week or two. You I mean, realistically, you have you have until the June before you have to make any decisions. I would recommend that you don't make any like, that you have your resolute decision done by, like, the June 15, so mid June. So that way you're able to execute and pay any money that you need to pay.\n\nIf you wait any longer just with bank transfer times, the amount of stuff that happens during that period of time, you don't wanna don't get me wrong. I have had people make a payment on, like, the Friday before end of financial year ends, and we get it we get it done, it's a generally, can be a bit of a hard push because it doesn't it takes time for the depending on how much money for it to leave your bank account, land with the the super fund, and go and do all stuff from there. And after the financial year rolls, June 30, there's nothing you can do. It's whatever's done is done. Yeah.\n\nCorrect. Correct. No. They stay go still going to Hesper's very much. Yes.\n\nSuperfund. Yep. Yeah. Go again. Yep.\n\nYeah. Yeah. Yes. Yep. Yes.\n\nYeah. Yeah. I can connect you with her, and and and you guys can have a meeting and and and just sort of have a look at what serviceability looks like Mhmm. And and yet go from there. Because that that's the best way to always do it is to have a look at serviceability, see what, you know, your interest rate roughly would be, how much your borrowed borrowing capacity would be, what that looks like from a financial position.\n\nHer and I can can talk and and, you know, obviously, keep you in the loop at every stage, and and and we can kind of budgetarily make sure that it functions works for you. Yeah. Wouldn't yep. Cool. I was like, I sent it.\n\nI hope I sent it to the right place. Yeah. Yeah. You'll you'll call through, and you'll you'll get my admin staff at the first point. It's very, very rare that I'm available enough to be able to just pick up the phone.\n\nYeah. Yeah. But yeah. Absolutely. And you have my a you have my email address, so you can always just quickly flick an email through and schedule appointment that way too.\n\nBut yeah. If yeah. Sometimes it's just easy to just jump on the phone and and they'll be able to, yeah, schedule an appointment. We'll have a look at my calendar and see what works and what works for you and pop a pop an appointment in the calendar so that way we can, yeah, meet, discuss, and you can bring any questions. If you have questions that you wanna email through to me, you can do it that way.\n\nThat way I'm at least a little bit prepared for whatever you might throw my way, but I'm always happy to ad hoc it as well. Yeah. No. And, look, we can always we can always do a, like, a video call as well. I can, like, send you an email.\n\nYou just have to click on the link, and it will do it all for you, and we can meet virtually that way. Yeah. Yeah. No. I get it.\n\nDo technological things at the same time as you're talking. You're okay. It's a Monday morning as well. Into it. Yeah.\n\nYeah. No. So North is so you would have received two emails from North. One would have been, like, the welcome to your account. This is your account login details.\n\nAnd then the second one would have been, like, here's your temporary password. The look. The temporary password will be expired by now, which is fine. It's just you use it when you log in to the first time. So when you go to log in, you'll just say forgot password.\n\nBecause a temporary password, if memory serves, only lasts for twenty four hours. This morning? Oh, perfect. Yeah. Yeah.\n\nYeah. Because I I helped Jordan, which is who you spoke to on Friday. I helped Jordan process your application on Friday. And sometimes Friday applications might not go through the system until Monday, but it seems like it might have might have gone through nicely last Friday before the weekend hit. Yeah.\n\nYeah. Yeah. Help you in more ways than one. Not just not just super focused looking at everything. Yeah.\n\nYeah. Yeah. Yeah. So, like, I guess, basically, the the the crux of the the whole strategy is there's one of two directions that you can you can sort of look at things. You can either look look at the fact that the money has to go irrespective.\n\nIt's a question of do you let it go to the ATO? Because you're gonna have to pay this this bill. Now with the ATO, you you can obviously pay the ATO bill off slowly. You can just have a debt there, and you just pay it off slowly with them. You don't have to pay it as a lump sum, which means that you can keep the money in your offset.\n\nYeah. So you you can work with your accountant. Yeah. You can work with your accountant. You can basically set up a payment scheme, like a repaint a rep or a payment schedule.\n\nThat's what I want. Or a payment schedule with the ATO, and you just you pay it off at at x amount each month. And you can have it going that way, which means that you can keep the money in your offset so you don't have to incur interest. So there is that. You would need to talk with your accountant as to what that looks like from a do you incur interest with the ATO?\n\nHow how you know, what will will the ATO allow us to pay it off over a couple of years? Do we have to pay it off this year? How can we you know, what what repayment schedule does it look like? Or, you know, because you're gonna have to pay it, and the money the only money that you really have available is what's sitting on in your offset, you know, rather than sending the money in your offset off to the ATO, do we put it all into our superannuation fund? That way, rather than I'm not I don't wanna use I don't wanna use the word waste, but, realistically, let's be honest, sometimes taxes are a waste of money.\n\nIt's funny ways. Anyway, rather than, you know, wasting the money and sending it to the ATO for taxes, we can put it into the super fund and pay a much smaller amount of tax than what the ATO is currently wanting, and we can we can do it that way. The difference is is the ATO are gonna want less than what you would have to put in your superannuation fund to offset it. Because the ATO, like, it's, you know, the the $65,000 or you know, as your as your accountant could have calculated, it's obviously a little bit different to my calculations. They have a little bit more information.\n\nBut it's the $65,000 that you guys would be assessed at as your capital gains, but that's not the amount of tax you pay. You pay, you know, the 30% based on your marginal rate. Yeah. Yeah. He did hang a bit more.\n\nMhmm. Correct. Correct. Yeah. Yeah.\n\nYeah. Perfect. Correct. Yeah. So my math isn't too too far off then.\n\nI did pretty good. Yep. Correct. You guys have you guys have carry forward room. Yeah.\n\nYeah. So so that so where that difference lies is basically the ACO is saying you owe us $55.60, whatever the case may be, because the marginal rate, if you guys wanna wipe that bill entirely, you guys would have to put in basically 65 each. Yeah. I see. Yeah.\n\nYeah. Yeah. It's just it's too much. Can sometimes be better to be poor. Yes.\n\nVery much so. Yeah. Yeah. Which I've I've done the rough I've done the rough calculations for you based on how much you take out of the offset. Yeah.\n\nYeah. Yeah. No. It does it does it makes perfect sense. It's just it's it's a matter of can you like, of of of weighing up the two fiscal outcomes or financial outcomes, and then also looking at well, because we have all the money sitting in the offset, could we put you know, if we do take from the offset and and create a bit of a a bill, can we then make sure that we're, you know, not being a little bit more frugal, putting more money back into the offset and just absolutely, like, hammering money into the offset to bring it back up.\n\nBecause we we we previously had a mortgage. We were previously paying for our mortgage, then we sold the block of land. Now we don't have to put money into the mortgage. That money has gone somewhere. It's going towards other expenses living a little bit less frugally because we don't have that mortgage to consider or think about.\n\nSo maybe it's a matter of taking a step back, tightening that belt a little bit, going back to pretending like we do have a mortgage, and just literally putting money as much as possible back into that offset. Yep. Yeah. Very very much so. Yeah.\n\nLike because, realistically, the interest the interest that you'd be charged because you the mortgage lasts for another twenty three years. The interest that you would be charged over the next twenty three years if you, you know, didn't put any money onto it would be quite a lot over that time. But if you take the money, incur the little bit of interest, and just make sure that you you know, it just depends on how much money you can put back into that account. That's where the way up comes. If you're, you know, guarantee yeah.\n\nIf you're guaranteeing that you can put x amount in each week, that obviously changes how everything would would flow. Yeah. Yep. Yes. Yep.\n\nI I mean, I would, yeah, I would, at the very least, because you've got sort of about the $30 sitting in excess on the offset. I would, at the very least, take that excess that you have. So, you know, mortgages sitting at, you know, $3.03 77, and you've got sort of 400,000 sitting in the in the offset. I would take whatever's there you go. Yeah.\n\nThe I mean, I would I would probably try and put whatever's currently excess into your super funds just to bring that debt down a little bit. And then just call your accountant and say, hey. Can I can I do a a a repayment schedule with the ATO? What does the interest rate look like on that? Because the ATO can sometimes do, like, a really short time like, short term repayment schedule without interest depending on how you set it up.\n\nYou could sort of do something along those lines where you you have a proper payment schedule. That way, you're not having to take out of your mortgage offset. And it means that, you know, whatever you guys were gonna allocate to your mortgage offset, you can send over to the ATO instead. So that way you guys are keeping to that little bit more conservative position where you you don't incur any interest on the mortgage. Yeah.\n\nYeah. Absolutely. More than happy to. Does that, I guess, give you someone to bounce off and give you some little bit more clarity? Or yeah.\n\nYeah. Yeah. You got grocer. Yes. Yeah.\n\nYeah. Exactly. The more the more money you invest, the the and over the longer term, the better outcome you have, most certainly. Yeah. Yeah.\n\nYeah. And there's there's also the consideration that, you know, whilst you guys wanna, you know, have have your current house, you know, with no mortgage or very little, if we're gonna go and get an investment property or go and buy a unit, that position is gonna change. You know? We are in the unit for twelve months. We can always shift any debt that's sitting on our house over to the investment property.\n\nSo there's there's always you know, we we can be very flexible with how we do things. We might have to incur interest for a short term on our house, but we can change that with, you know, shifting it later onto the investment property. It's all just about refinancing. So just using equity equity that we have in the property and just shifting it from one property to the other. Yeah.\n\nExactly. Definitely does. That's exactly how it works. Just a matter of yeah. Yeah.\n\nSo we might, like, we might have to you know, well, irrespective, if if you pay the ATO off in a bulk, you're gonna end up with a little bit of you're gonna you're gonna end up incurring interest because, you know, you you'd lose the money out of that account. But when we buy the investment property, it's gonna do its thing, and then, you know, you're gonna be able to ship the money again. Like, it's it's it might just be a matter of sort of rolling rolling where the the debt sits and and shifting how the finances move. And anytime we make any big financial change, it's gonna uproot the entire system anyway. Just gives you another layer of things to think about.\n\nThat's okay. Well, I can get rid of one of your headaches. I had to look through the email that you forwarded me. I think it's just peak pinnacle doing what they should have done back in the beginning by issuing you with the financial services guide. It's come directly from Peak Pinnacle.\n\nIt hasn't come from me or or or Fabian or anything like that. It just come from Peak Pinnacle when you first spoke to them. I think they're just sending you yeah. They're just sending you the financial services guide in connection with the conversation they had with you because they're supposed to send that to you. Yep.\n\nNo. That's okay. Absolutely. Look. If there's any questions you have or if you wanna run anything by me, just flick me an email.\n\nWe'll give my team a call. And if I'm available on the spot, I'll give you a call ad hoc like I you know, if if I can. Otherwise, I'll just I'll schedule you in within the next sort of two or three days to have a chat. Yeah. Yeah.\n\nYeah. Yeah. Yeah. Absolutely. Yeah.\n\nIf you if you run into any issues, let me know. No. That's okay. Did did the other half have any questions at all? He's done for the day.\n\nHe's in holiday mode. That's okay. If he has any questions, again, just shoot me an email. He will. Thanks, Michelle.\n\nBye.","paragraphs":[{"sentences":[{"text":"Good afternoon.","start":6.48,"end":7.54,"sentiment":"neutral","sentiment_score":0.20899726450443268},{"text":"Good afternoon, Michelle.","start":7.8399997,"end":8.96,"sentiment":"neutral","sentiment_score":0.290097455183665},{"text":"It's Larissa how from OP Financial.","start":8.96,"end":10.719999,"sentiment":"neutral","sentiment_score":0.22018469125032425},{"text":"How are you going?","start":10.719999,"end":11.62,"sentiment":"neutral","sentiment_score":0.2230183146893978},{"text":"That's good.","start":14.335,"end":15.155001,"sentiment":"positive","sentiment_score":0.5937424898147583}],"sentiment":"neutral","sentiment_score":0.2758207812028773,"num_words":17,"start":6.48,"end":15.155001},{"sentences":[{"text":"I had you scheduled in to talk with yourself and your husband.","start":15.615,"end":18.995,"sentiment":"neutral","sentiment_score":0.18700499087572098},{"text":"No.","start":27.23,"end":27.630001,"sentiment":"neutral","sentiment_score":-0.19088485836982727},{"text":"It's actually not a public holiday for us in Queensland.","start":27.630001,"end":29.970001,"sentiment":"neutral","sentiment_score":-0.17851911038160323},{"text":"So I am working away.","start":30.03,"end":32.050003,"sentiment":"neutral","sentiment_score":-0.12643745243549348},{"text":"Yep.","start":32.190002,"end":32.690002,"sentiment":"neutral","sentiment_score":-0.044753603637218475}],"sentiment":"neutral","sentiment_score":-0.01410196336178944,"num_words":29,"start":15.615,"end":32.690002},{"sentences":[{"text":"I know.","start":33.15,"end":33.81,"sentiment":"neutral","sentiment_score":-0.05256721377372742},{"text":"Pretty much, like, all the other states decide to declare a public holiday, but Queensland only declare the holiday if it's on a if if Anzac Day falls on a Sunday.","start":33.870003,"end":44.025,"sentiment":"neutral","sentiment_score":-0.060539770510888866},{"text":"I know.","start":52.085,"end":52.745003,"sentiment":"neutral","sentiment_score":-0.08956987410783768},{"text":"Nope.","start":53.21,"end":53.71,"sentiment":"neutral","sentiment_score":-0.03186028450727463},{"text":"So so on Australian.","start":54.01,"end":55.309998,"sentiment":"neutral","sentiment_score":-0.01873927121050656}],"sentiment":"neutral","sentiment_score":-0.05669561077374965,"num_words":40,"start":33.15,"end":55.309998},{"sentences":[{"text":"Anyway, just to let you know, our calls are recorded.","start":57.53,"end":60.27,"sentiment":"neutral","sentiment_score":0.05912776477634907},{"text":"And then if I could just get you to go do a quick security for me, just full name, date of birth, and address.","start":61.129997,"end":65.71,"sentiment":"neutral","sentiment_score":0.06927846278995275},{"text":"Perfection.","start":72.745,"end":73.245,"sentiment":"neutral","sentiment_score":0.29657700657844543},{"text":"Alright.","start":73.945,"end":74.445,"sentiment":"neutral","sentiment_score":0.09747102111577988},{"text":"So we wanna just go through and have a bit of a chat with yourself With yourself?","start":74.985,"end":82.38,"sentiment":"neutral","sentiment_score":0.08123939046088387}],"sentiment":"neutral","sentiment_score":0.07602034755191713,"num_words":53,"start":57.53,"end":82.38},{"sentences":[{"text":"Yeah.","start":88.28,"end":88.78,"sentiment":"neutral","sentiment_score":0.03375161439180374},{"text":"Yeah.","start":118.34,"end":118.84,"sentiment":"neutral","sentiment_score":0.005090375430881977},{"text":"Yeah.","start":120.275,"end":120.775,"sentiment":"neutral","sentiment_score":-0.009244327433407308},{"text":"No.","start":121.315,"end":121.815,"sentiment":"neutral","sentiment_score":-0.05867519974708557},{"text":"Pink Pinnacle is can I get you to forward the email to me?","start":122.115005,"end":126.775,"sentiment":"neutral","sentiment_score":-0.020243031080239095}],"sentiment":"neutral","sentiment_score":-0.017190408317700905,"num_words":17,"start":88.28,"end":126.775},{"sentences":[{"text":"Yeah.","start":132.68999,"end":133.18999,"sentiment":"neutral","sentiment_score":-0.26832786202430725},{"text":"Yeah.","start":134.68999,"end":135.18999,"sentiment":"neutral","sentiment_score":-0.028679117560386658},{"text":"Yeah.","start":145.665,"end":146.165,"sentiment":"neutral","sentiment_score":0.06710202991962433},{"text":"Yep.","start":156.95999,"end":157.45999,"sentiment":"neutral","sentiment_score":0.09295054525136948},{"text":"Yes.","start":159.76,"end":160.26,"sentiment":"neutral","sentiment_score":0.040754854679107666}],"sentiment":"neutral","sentiment_score":-0.019239909946918488,"num_words":5,"start":132.68999,"end":160.26},{"sentences":[{"text":"Yep.","start":161.12,"end":161.62,"sentiment":"neutral","sentiment_score":0.047888681292533875},{"text":"Yeah.","start":162.79999,"end":163.12,"sentiment":"neutral","sentiment_score":0.07602579146623611},{"text":"Well, I mean, that's the super fund, but yes.","start":163.12,"end":165.12,"sentiment":"neutral","sentiment_score":0.11454761773347855},{"text":"Yep.","start":165.12,"end":165.43999,"sentiment":"neutral","sentiment_score":0.21914850175380707},{"text":"That's the fund that we set up for you, and that that's just all connected to you being able to log in to your, like, account.","start":165.43999,"end":173.435,"sentiment":"neutral","sentiment_score":0.23742130398750305}],"sentiment":"neutral","sentiment_score":0.19860382731023588,"num_words":38,"start":161.12,"end":173.435},{"sentences":[{"text":"Yep.","start":173.975,"end":174.475,"sentiment":"neutral","sentiment_score":0.05765601992607117},{"text":"No.","start":181.75,"end":182.06999,"sentiment":"neutral","sentiment_score":-0.031308870762586594},{"text":"You're still fine.","start":182.06999,"end":183.13,"sentiment":"neutral","sentiment_score":0.09457732985417049},{"text":"Yeah.","start":198.805,"end":199.305,"sentiment":"neutral","sentiment_score":0.04272494465112686},{"text":"Yeah.","start":214.73999,"end":215.23999,"sentiment":"neutral","sentiment_score":0.02942996844649315}],"sentiment":"neutral","sentiment_score":0.05460486454623086,"num_words":7,"start":173.975,"end":215.23999},{"sentences":[{"text":"Yeah.","start":222.83499,"end":223.33499,"sentiment":"neutral","sentiment_score":0.05028585344552994},{"text":"Can you if I send you an email now, are you able to forward that to me?","start":223.39499,"end":227.095,"sentiment":"neutral","sentiment_score":0.060131870648440194},{"text":"Yeah.","start":241.105,"end":241.605,"sentiment":"neutral","sentiment_score":0.015962617471814156},{"text":"Yeah.","start":257.74,"end":258.24,"sentiment":"neutral","sentiment_score":-0.006062038242816925},{"text":"No.","start":258.7,"end":259.18,"sentiment":"neutral","sentiment_score":-0.08092762529850006}],"sentiment":"neutral","sentiment_score":0.04769050516188145,"num_words":21,"start":222.83499,"end":259.18},{"sentences":[{"text":"No.","start":259.18,"end":259.58,"sentiment":"neutral","sentiment_score":-0.049020566046237946},{"text":"I've forward the email, and I'll have a look at it.","start":259.58,"end":262.8,"sentiment":"neutral","sentiment_score":0.013790124688636173},{"text":"Yeah.","start":286.01,"end":286.51,"sentiment":"neutral","sentiment_score":0.06420481950044632},{"text":"No.","start":293.46503,"end":293.86502,"sentiment":"neutral","sentiment_score":-0.024298865348100666},{"text":"That's so fine.","start":293.86502,"end":295.165,"sentiment":"neutral","sentiment_score":0.10664907842874527}],"sentiment":"neutral","sentiment_score":0.02720729382160832,"num_words":17,"start":259.18,"end":295.165},{"sentences":[{"text":"No.","start":295.30502,"end":295.70502,"sentiment":"neutral","sentiment_score":0.07785359025001526},{"text":"I'm I'm here.","start":295.70502,"end":297.065,"sentiment":"neutral","sentiment_score":0.25261912246545154},{"text":"I'm ready to go.","start":297.065,"end":298.20502,"sentiment":"positive","sentiment_score":0.4259372726082802},{"text":"Yeah.","start":302.36,"end":302.86,"sentiment":"neutral","sentiment_score":0.13473007082939148},{"text":"Yeah.","start":323.89502,"end":324.39502,"sentiment":"neutral","sentiment_score":0.057361774146556854}],"sentiment":"neutral","sentiment_score":0.2731551893055439,"num_words":10,"start":295.30502,"end":324.39502},{"sentences":[{"text":"Yeah.","start":336.71,"end":337.03,"sentiment":"neutral","sentiment_score":0.09758007526397704},{"text":"Perfect.","start":337.03,"end":337.53,"sentiment":"neutral","sentiment_score":0.2900232672691345},{"text":"Yep.","start":347.44498,"end":347.94498,"sentiment":"neutral","sentiment_score":0.05263144895434379},{"text":"Correct.","start":348.565,"end":349.065,"sentiment":"neutral","sentiment_score":0.07483317703008652},{"text":"Yep.","start":349.285,"end":349.785,"sentiment":"neutral","sentiment_score":0.04385619983077049}],"sentiment":"neutral","sentiment_score":0.11178483366966248,"num_words":5,"start":336.71,"end":349.785},{"sentences":[{"text":"Yep.","start":360.34,"end":360.84,"sentiment":"neutral","sentiment_score":-0.01680678501725197},{"text":"Yes.","start":373.555,"end":374.055,"sentiment":"neutral","sentiment_score":0.035506535321474075},{"text":"So if you yeah.","start":389.585,"end":391.025,"sentiment":"neutral","sentiment_score":-0.016880711307749152},{"text":"Whatever money you put into the super funds, you wouldn't be able to, like, pull out until at least age 60.","start":391.025,"end":397.76498,"sentiment":"neutral","sentiment_score":-0.031432466404069034},{"text":"So it it it is sort of a a a bit of a catch 22.","start":398.145,"end":402.79,"sentiment":"neutral","sentiment_score":-0.03556008997062842}],"sentiment":"neutral","sentiment_score":-0.02957871997551549,"num_words":42,"start":360.34,"end":402.79},{"sentences":[{"text":"You either pay the taxes and it's gone to the ATO and you'll never get that money back.","start":402.79,"end":407.35,"sentiment":"neutral","sentiment_score":-0.11125853843986988},{"text":"It is what it is.","start":407.35,"end":408.41,"sentiment":"neutral","sentiment_score":-0.03076273836195469},{"text":"Or you put into super funds, you can't touch it until 60, but it's not gone gone to the ATO when it's just it's, you know, doing its thing working for you for now.","start":408.95,"end":420.08502,"sentiment":"neutral","sentiment_score":0.0025795440682593513},{"text":"Yes.","start":436.0,"end":436.5,"sentiment":"neutral","sentiment_score":0.01831786334514618},{"text":"He's hiding somewhere.","start":446.335,"end":447.555,"sentiment":"neutral","sentiment_score":-0.16387324035167694}],"sentiment":"neutral","sentiment_score":-0.041673192510106524,"num_words":61,"start":402.79,"end":447.555},{"sentences":[{"text":"Yeah.","start":457.94998,"end":458.44998,"sentiment":"neutral","sentiment_score":-0.008977044373750687},{"text":"No.","start":465.565,"end":465.965,"sentiment":"neutral","sentiment_score":-0.11347667127847672},{"text":"Go find him.","start":465.965,"end":466.765,"sentiment":"neutral","sentiment_score":-0.08744727075099945},{"text":"Absolutely.","start":466.765,"end":467.265,"sentiment":"neutral","sentiment_score":0.07681599259376526},{"text":"That's okay.","start":487.09998,"end":487.91998,"sentiment":"positive","sentiment_score":0.35511721670627594}],"sentiment":"neutral","sentiment_score":0.05028186226263642,"num_words":8,"start":457.94998,"end":487.91998},{"sentences":[{"text":"Let him do that.","start":488.06,"end":489.19998,"sentiment":"neutral","sentiment_score":0.30214404314756393},{"text":"You don't have a week or two.","start":507.02,"end":508.30002,"sentiment":"neutral","sentiment_score":-0.1803558553968157},{"text":"You I mean, realistically, you have you have until the June before you have to make any decisions.","start":508.30002,"end":516.07495,"sentiment":"neutral","sentiment_score":-0.09136171804534064},{"text":"I would recommend that you don't make any like, that you have your resolute decision done by, like, the June 15, so mid June.","start":516.45496,"end":523.57495,"sentiment":"neutral","sentiment_score":-0.0003556883117804925},{"text":"So that way you're able to execute and pay any money that you need to pay.","start":523.57495,"end":526.95,"sentiment":"neutral","sentiment_score":0.08534142351709306}],"sentiment":"neutral","sentiment_score":-0.004949267872649691,"num_words":69,"start":488.06,"end":526.95},{"sentences":[{"text":"If you wait any longer just with bank transfer times, the amount of stuff that happens during that period of time, you don't wanna don't get me wrong.","start":527.11,"end":534.39,"sentiment":"neutral","sentiment_score":-0.08120819513819047},{"text":"I have had people make a payment on, like, the Friday before end of financial year ends, and we get it we get it done, it's a generally, can be a bit of a hard push because it doesn't it takes time for the depending on how much money for it to leave your bank account, land with the the super fund, and go and do all stuff from there.","start":534.39,"end":553.465,"sentiment":"neutral","sentiment_score":-0.12342759290976184},{"text":"And after the financial year rolls, June 30, there's nothing you can do.","start":553.8,"end":557.72,"sentiment":"neutral","sentiment_score":-0.2195946258994249},{"text":"It's whatever's done is done.","start":557.72,"end":559.42,"sentiment":"neutral","sentiment_score":-0.13534954488277434},{"text":"Yeah.","start":563.88,"end":564.38,"sentiment":"neutral","sentiment_score":0.002314995974302292}],"sentiment":"neutral","sentiment_score":-0.12344379344175005,"num_words":117,"start":527.11,"end":564.38},{"sentences":[{"text":"Correct.","start":588.55005,"end":589.05005,"sentiment":"neutral","sentiment_score":-0.14414885640144348},{"text":"Correct.","start":589.19,"end":589.69,"sentiment":"neutral","sentiment_score":-0.24790985882282257},{"text":"No.","start":590.585,"end":591.085,"sentiment":"neutral","sentiment_score":-0.28181976079940796},{"text":"They stay go still going to Hesper's very much.","start":591.705,"end":593.945,"sentiment":"neutral","sentiment_score":-0.24365551438596514},{"text":"Yes.","start":593.945,"end":594.445,"sentiment":"neutral","sentiment_score":0.021212702617049217}],"sentiment":"neutral","sentiment_score":-0.21888964637540853,"num_words":13,"start":588.55005,"end":594.445},{"sentences":[{"text":"Superfund.","start":606.44,"end":606.94,"sentiment":"neutral","sentiment_score":-0.032016076147556305},{"text":"Yep.","start":607.24,"end":607.74,"sentiment":"neutral","sentiment_score":0.03914855048060417},{"text":"Yeah.","start":615.335,"end":615.835,"sentiment":"neutral","sentiment_score":0.10623928904533386},{"text":"Go again.","start":616.855,"end":617.595,"sentiment":"neutral","sentiment_score":0.14342240989208221},{"text":"Yep.","start":636.87,"end":637.37,"sentiment":"neutral","sentiment_score":0.04756039008498192}],"sentiment":"neutral","sentiment_score":0.07462949554125468,"num_words":6,"start":606.44,"end":637.37},{"sentences":[{"text":"Yeah.","start":640.16504,"end":640.66504,"sentiment":"neutral","sentiment_score":0.02633870393037796},{"text":"Yeah.","start":652.42,"end":652.92,"sentiment":"neutral","sentiment_score":-0.01625794917345047},{"text":"Yes.","start":663.71497,"end":664.195,"sentiment":"neutral","sentiment_score":0.11203908920288086},{"text":"Yep.","start":664.195,"end":664.695,"sentiment":"neutral","sentiment_score":0.1369922161102295},{"text":"Yes.","start":684.69,"end":685.19,"sentiment":"neutral","sentiment_score":0.16016829013824463}],"sentiment":"neutral","sentiment_score":0.08385607004165649,"num_words":5,"start":640.16504,"end":685.19},{"sentences":[{"text":"Yeah.","start":692.705,"end":693.025,"sentiment":"neutral","sentiment_score":0.09300293773412704},{"text":"Yeah.","start":693.025,"end":693.34503,"sentiment":"neutral","sentiment_score":0.1180700585246086},{"text":"I can connect you with her, and and and you guys can have a meeting and and and just sort of have a look at what serviceability looks like Mhmm.","start":693.34503,"end":705.05005,"sentiment":"neutral","sentiment_score":0.11331884016593298},{"text":"And and yet go from there.","start":705.53,"end":706.89,"sentiment":"neutral","sentiment_score":0.06051335111260414},{"text":"Because that that's the best way to always do it is to have a look at serviceability, see what, you know, your interest rate roughly would be, how much your borrowed borrowing capacity would be, what that looks like from a financial position.","start":706.89,"end":718.16504,"sentiment":"neutral","sentiment_score":0.1312152064123819}],"sentiment":"neutral","sentiment_score":0.11871570597092311,"num_words":81,"start":692.705,"end":718.16504},{"sentences":[{"text":"Her and I can can talk and and, you know, obviously, keep you in the loop at every stage, and and and we can kind of budgetarily make sure that it functions works for you.","start":718.625,"end":733.83997,"sentiment":"neutral","sentiment_score":0.18887606635689735},{"text":"Yeah.","start":733.83997,"end":734.33997,"sentiment":"neutral","sentiment_score":-0.08043676614761353},{"text":"Wouldn't yep.","start":738.39996,"end":739.51996,"sentiment":"neutral","sentiment_score":-0.10078421980142593},{"text":"Cool.","start":739.51996,"end":740.0,"sentiment":"neutral","sentiment_score":0.08734011650085449},{"text":"I was like, I sent it.","start":740.0,"end":742.27496,"sentiment":"neutral","sentiment_score":0.045657784367601074}],"sentiment":"neutral","sentiment_score":0.14866542087660894,"num_words":45,"start":718.625,"end":742.27496},{"sentences":[{"text":"I hope I sent it to the right place.","start":742.27496,"end":743.89496,"sentiment":"neutral","sentiment_score":0.020948320834173098},{"text":"Yeah.","start":763.32996,"end":763.82996,"sentiment":"neutral","sentiment_score":-0.1227789670228958},{"text":"Yeah.","start":777.28,"end":777.78,"sentiment":"neutral","sentiment_score":-0.0064654238522052765},{"text":"You'll you'll call through, and you'll you'll get my admin staff at the first point.","start":778.56,"end":783.78,"sentiment":"neutral","sentiment_score":0.013823403355975946},{"text":"It's very, very rare that I'm available enough to be able to just pick up the phone.","start":785.04004,"end":789.06,"sentiment":"neutral","sentiment_score":-0.14849240595803542}],"sentiment":"neutral","sentiment_score":-0.05250533382126758,"num_words":43,"start":742.27496,"end":789.06},{"sentences":[{"text":"Yeah.","start":791.83496,"end":792.15497,"sentiment":"neutral","sentiment_score":-0.077661894261837},{"text":"Yeah.","start":792.15497,"end":792.65497,"sentiment":"neutral","sentiment_score":-0.053357481956481934},{"text":"But yeah.","start":792.675,"end":799.195,"sentiment":"neutral","sentiment_score":-0.04302688129246235},{"text":"Absolutely.","start":799.195,"end":799.695,"sentiment":"neutral","sentiment_score":0.031935915350914},{"text":"And you have my a you have my email address, so you can always just quickly flick an email through and schedule appointment that way too.","start":799.755,"end":805.38,"sentiment":"neutral","sentiment_score":0.01900821028707119}],"sentiment":"neutral","sentiment_score":0.009970201419726495,"num_words":31,"start":791.83496,"end":805.38},{"sentences":[{"text":"But yeah.","start":806.02,"end":806.76,"sentiment":"neutral","sentiment_score":0.16378513723611832},{"text":"If yeah.","start":806.82,"end":807.54,"sentiment":"neutral","sentiment_score":0.20703646540641785},{"text":"Sometimes it's just easy to just jump on the phone and and they'll be able to, yeah, schedule an appointment.","start":807.54,"end":811.78,"sentiment":"neutral","sentiment_score":0.2745081066153944},{"text":"We'll have a look at my calendar and see what works and what works for you and pop a pop an appointment in the calendar so that way we can, yeah, meet, discuss, and you can bring any questions.","start":811.78,"end":820.755,"sentiment":"neutral","sentiment_score":0.31739283563234866},{"text":"If you have questions that you wanna email through to me, you can do it that way.","start":820.755,"end":823.635,"sentiment":"positive","sentiment_score":0.41661347887095285}],"sentiment":"neutral","sentiment_score":0.3211569383507594,"num_words":80,"start":806.02,"end":823.635},{"sentences":[{"text":"That way I'm at least a little bit prepared for whatever you might throw my way, but I'm always happy to ad hoc it as well.","start":823.635,"end":829.735,"sentiment":"positive","sentiment_score":0.48495741030917716},{"text":"Yeah.","start":841.01,"end":841.51,"sentiment":"neutral","sentiment_score":-0.0992957130074501},{"text":"No.","start":846.54504,"end":846.705,"sentiment":"neutral","sentiment_score":-0.026826538145542145},{"text":"And, look, we can always we can always do a, like, a video call as well.","start":846.705,"end":850.465,"sentiment":"neutral","sentiment_score":0.21104445273522288},{"text":"I can, like, send you an email.","start":850.465,"end":852.30505,"sentiment":"neutral","sentiment_score":0.2504208960703441}],"sentiment":"positive","sentiment_score":0.34534172417924686,"num_words":51,"start":823.635,"end":852.30505},{"sentences":[{"text":"You just have to click on the link, and it will do it all for you, and we can meet virtually that way.","start":852.30505,"end":857.92004,"sentiment":"neutral","sentiment_score":0.29784061921679456},{"text":"Yeah.","start":870.235,"end":870.475,"sentiment":"neutral","sentiment_score":0.0943966954946518},{"text":"Yeah.","start":870.475,"end":870.975,"sentiment":"neutral","sentiment_score":0.02511402778327465},{"text":"No.","start":871.915,"end":872.15497,"sentiment":"neutral","sentiment_score":-0.10642870515584946},{"text":"I get it.","start":872.15497,"end":872.975,"sentiment":"neutral","sentiment_score":-0.1276974305510521}],"sentiment":"neutral","sentiment_score":0.2234594471881102,"num_words":29,"start":852.30505,"end":872.975},{"sentences":[{"text":"Do technological things at the same time as you're talking.","start":875.115,"end":877.435,"sentiment":"neutral","sentiment_score":-0.13953387662768363},{"text":"You're okay.","start":877.435,"end":877.915,"sentiment":"neutral","sentiment_score":0.035725194960832596},{"text":"It's a Monday morning as well.","start":877.915,"end":879.45496,"sentiment":"neutral","sentiment_score":0.02469353626171748},{"text":"Into it.","start":885.63995,"end":886.37994,"sentiment":"neutral","sentiment_score":-0.12488649785518646},{"text":"Yeah.","start":916.325,"end":916.825,"sentiment":"neutral","sentiment_score":0.001679467037320137}],"sentiment":"neutral","sentiment_score":-0.06780098511704377,"num_words":21,"start":875.115,"end":916.825},{"sentences":[{"text":"Yeah.","start":920.885,"end":921.385,"sentiment":"neutral","sentiment_score":0.016158342361450195},{"text":"No.","start":921.445,"end":921.685,"sentiment":"neutral","sentiment_score":-0.01175970770418644},{"text":"So North is so you would have received two emails from North.","start":921.685,"end":925.465,"sentiment":"neutral","sentiment_score":0.03156976494938135},{"text":"One would have been, like, the welcome to your account.","start":925.60504,"end":928.10504,"sentiment":"neutral","sentiment_score":0.16658020690083503},{"text":"This is your account login details.","start":928.16504,"end":930.265,"sentiment":"neutral","sentiment_score":0.13024472569425902}],"sentiment":"neutral","sentiment_score":0.09435020790745814,"num_words":30,"start":920.885,"end":930.265},{"sentences":[{"text":"And then the second one would have been, like, here's your temporary password.","start":930.79,"end":933.77,"sentiment":"neutral","sentiment_score":0.06275625641529377},{"text":"The look.","start":934.79,"end":935.27,"sentiment":"neutral","sentiment_score":0.07208716869354248},{"text":"The temporary password will be expired by now, which is fine.","start":935.27,"end":938.33,"sentiment":"neutral","sentiment_score":0.13669249415397644},{"text":"It's just you use it when you log in to the first time.","start":939.19,"end":941.51,"sentiment":"neutral","sentiment_score":0.15808726159425882},{"text":"So when you go to log in, you'll just say forgot password.","start":941.51,"end":944.09,"sentiment":"neutral","sentiment_score":0.05538659760107597}],"sentiment":"neutral","sentiment_score":0.10163522898858669,"num_words":51,"start":930.79,"end":944.09},{"sentences":[{"text":"Because a temporary password, if memory serves, only lasts for twenty four hours.","start":944.315,"end":948.015,"sentiment":"neutral","sentiment_score":0.03620605142070697},{"text":"This morning?","start":953.83496,"end":954.575,"sentiment":"neutral","sentiment_score":0.0306362584233284},{"text":"Oh, perfect.","start":957.45,"end":958.11,"sentiment":"positive","sentiment_score":0.4707363545894623},{"text":"Yeah.","start":959.45,"end":959.95,"sentiment":"neutral","sentiment_score":0.17844097316265106},{"text":"Yeah.","start":968.25,"end":968.75,"sentiment":"neutral","sentiment_score":0.04669360816478729}],"sentiment":"neutral","sentiment_score":0.08939781451695844,"num_words":19,"start":944.315,"end":968.75},{"sentences":[{"text":"Yeah.","start":969.635,"end":969.795,"sentiment":"neutral","sentiment_score":0.05140116810798645},{"text":"Because I I helped Jordan, which is who you spoke to on Friday.","start":969.795,"end":973.395,"sentiment":"neutral","sentiment_score":0.0944540397478984},{"text":"I helped Jordan process your application on Friday.","start":973.395,"end":976.375,"sentiment":"neutral","sentiment_score":0.1462734416127205},{"text":"And sometimes Friday applications might not go through the system until Monday, but it seems like it might have might have gone through nicely last Friday before the weekend hit.","start":977.075,"end":987.91003,"sentiment":"neutral","sentiment_score":0.020433202075461548},{"text":"Yeah.","start":995.665,"end":996.165,"sentiment":"neutral","sentiment_score":-0.0770878791809082}],"sentiment":"neutral","sentiment_score":0.05632829058142203,"num_words":53,"start":969.635,"end":996.165},{"sentences":[{"text":"Yeah.","start":1012.72,"end":1013.22,"sentiment":"neutral","sentiment_score":0.03847644105553627},{"text":"Yeah.","start":1015.92,"end":1016.42,"sentiment":"positive","sentiment_score":0.35174787044525146},{"text":"Help you in more ways than one.","start":1016.64,"end":1018.33997,"sentiment":"positive","sentiment_score":0.49333236472947256},{"text":"Not just not just super focused looking at everything.","start":1018.8,"end":1021.45996,"sentiment":"neutral","sentiment_score":-0.029448606073856354},{"text":"Yeah.","start":1021.76,"end":1022.26,"sentiment":"neutral","sentiment_score":0.058812279254198074}],"sentiment":"neutral","sentiment_score":0.1914381941682414,"num_words":19,"start":1012.72,"end":1022.26},{"sentences":[{"text":"Yeah.","start":1038.21,"end":1038.71,"sentiment":"neutral","sentiment_score":0.06122666597366333},{"text":"Yeah.","start":1057.585,"end":1057.825,"sentiment":"neutral","sentiment_score":0.14041781425476074},{"text":"Yeah.","start":1057.825,"end":1058.145,"sentiment":"neutral","sentiment_score":0.11789388954639436},{"text":"So, like, I guess, basically, the the the crux of the the whole strategy is there's one of two directions that you can you can sort of look at things.","start":1058.145,"end":1072.2401,"sentiment":"neutral","sentiment_score":0.13942460119724273},{"text":"You can either look look at the fact that the money has to go irrespective.","start":1072.54,"end":1076.64,"sentiment":"neutral","sentiment_score":0.02266351953148842}],"sentiment":"neutral","sentiment_score":0.10087977497217555,"num_words":48,"start":1038.21,"end":1076.64},{"sentences":[{"text":"It's a question of do you let it go to the ATO?","start":1077.1549,"end":1079.8949,"sentiment":"neutral","sentiment_score":-0.028465711084815364},{"text":"Because you're gonna have to pay this this bill.","start":1080.2749,"end":1082.215,"sentiment":"neutral","sentiment_score":-0.037348640254802175},{"text":"Now with the ATO, you you can obviously pay the ATO bill off slowly.","start":1082.5149,"end":1086.9149,"sentiment":"neutral","sentiment_score":0.09844192064234189},{"text":"You can just have a debt there, and you just pay it off slowly with them.","start":1086.9149,"end":1089.715,"sentiment":"neutral","sentiment_score":0.15595225896686316},{"text":"You don't have to pay it as a lump sum, which means that you can keep the money in your offset.","start":1089.715,"end":1093.6,"sentiment":"neutral","sentiment_score":0.06431572050565765}],"sentiment":"neutral","sentiment_score":0.06314342871903339,"num_words":72,"start":1077.1549,"end":1093.6},{"sentences":[{"text":"Yeah.","start":1093.74,"end":1094.0599,"sentiment":"neutral","sentiment_score":0.03323420137166977},{"text":"So you you can work with your accountant.","start":1094.0599,"end":1095.76,"sentiment":"neutral","sentiment_score":0.05491956532932818},{"text":"Yeah.","start":1095.8999,"end":1096.22,"sentiment":"neutral","sentiment_score":0.12377855181694032},{"text":"You can work with your accountant.","start":1096.22,"end":1097.26,"sentiment":"neutral","sentiment_score":0.14133051658670107},{"text":"You can basically set up a payment scheme, like a repaint a rep or a payment schedule.","start":1097.26,"end":1103.26,"sentiment":"neutral","sentiment_score":0.14950264858848908}],"sentiment":"neutral","sentiment_score":0.1207847697378108,"num_words":33,"start":1093.74,"end":1103.26},{"sentences":[{"text":"That's what I want.","start":1103.26,"end":1104.0599,"sentiment":"neutral","sentiment_score":0.2030569463968277},{"text":"Or a payment schedule with the ATO, and you just you pay it off at at x amount each month.","start":1104.0599,"end":1109.375,"sentiment":"neutral","sentiment_score":0.18007859885692595},{"text":"And you can have it going that way, which means that you can keep the money in your offset so you don't have to incur interest.","start":1109.755,"end":1116.335,"sentiment":"positive","sentiment_score":0.4743357128821887},{"text":"So there is that.","start":1116.3949,"end":1117.615,"sentiment":"neutral","sentiment_score":0.22998588159680367},{"text":"You would need to talk with your accountant as to what that looks like from a do you incur interest with the ATO?","start":1118.315,"end":1124.41,"sentiment":"neutral","sentiment_score":0.08555776188554971}],"sentiment":"neutral","sentiment_score":0.2549909136028259,"num_words":77,"start":1103.26,"end":1124.41},{"sentences":[{"text":"How how you know, what will will the ATO allow us to pay it off over a couple of years?","start":1124.79,"end":1129.59,"sentiment":"neutral","sentiment_score":0.12454079799354076},{"text":"Do we have to pay it off this year?","start":1129.59,"end":1131.21,"sentiment":"neutral","sentiment_score":0.08482341840863228},{"text":"How can we you know, what what repayment schedule does it look like?","start":1131.27,"end":1134.25,"sentiment":"neutral","sentiment_score":0.08427045236413296},{"text":"Or, you know, because you're gonna have to pay it, and the money the only money that you really have available is what's sitting on in your offset, you know, rather than sending the money in your offset off to the ATO, do we put it all into our superannuation fund?","start":1135.895,"end":1151.8301,"sentiment":"neutral","sentiment_score":0.12992708041679626},{"text":"That way, rather than I'm not I don't wanna use I don't wanna use the word waste, but, realistically, let's be honest, sometimes taxes are a waste of money.","start":1151.8301,"end":1160.81,"sentiment":"neutral","sentiment_score":-0.16592143784309255}],"sentiment":"neutral","sentiment_score":0.050527065656468514,"num_words":122,"start":1124.79,"end":1160.81},{"sentences":[{"text":"It's funny ways.","start":1161.585,"end":1163.105,"sentiment":"neutral","sentiment_score":-0.3122914334138234},{"text":"Anyway, rather than, you know, wasting the money and sending it to the ATO for taxes, we can put it into the super fund and pay a much smaller amount of tax than what the ATO is currently wanting, and we can we can do it that way.","start":1163.105,"end":1178.78,"sentiment":"neutral","sentiment_score":0.16041503380984068},{"text":"The difference is is the ATO are gonna want less than what you would have to put in your superannuation fund to offset it.","start":1179.0,"end":1187.88,"sentiment":"neutral","sentiment_score":0.028471598712106545},{"text":"Because the ATO, like, it's, you know, the the $65,000 or you know, as your as your accountant could have calculated, it's obviously a little bit different to my calculations.","start":1187.88,"end":1196.115,"sentiment":"neutral","sentiment_score":-0.00019737696275115013},{"text":"They have a little bit more information.","start":1196.115,"end":1197.495,"sentiment":"neutral","sentiment_score":-0.022421570228678838}],"sentiment":"neutral","sentiment_score":0.06503119099319779,"num_words":112,"start":1161.585,"end":1197.495},{"sentences":[{"text":"But it's the $65,000 that you guys would be assessed at as your capital gains, but that's not the amount of tax you pay.","start":1197.795,"end":1204.58,"sentiment":"neutral","sentiment_score":0.030701943517973024},{"text":"You pay, you know, the 30% based on your marginal rate.","start":1204.58,"end":1208.52,"sentiment":"neutral","sentiment_score":0.05448301610621539},{"text":"Yeah.","start":1213.94,"end":1214.44,"sentiment":"neutral","sentiment_score":-0.0044872090220451355},{"text":"Yeah.","start":1215.315,"end":1215.635,"sentiment":"neutral","sentiment_score":-0.01395248994231224},{"text":"He did hang a bit 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my math isn't too too far off then.","start":1269.4551,"end":1272.015,"sentiment":"neutral","sentiment_score":-0.1735841975443893}],"sentiment":"neutral","sentiment_score":-0.07269881637050556,"num_words":13,"start":1246.625,"end":1272.015},{"sentences":[{"text":"I did pretty good.","start":1272.015,"end":1273.155,"sentiment":"negative","sentiment_score":-0.3594854846596718},{"text":"Yep.","start":1291.625,"end":1292.125,"sentiment":"neutral","sentiment_score":0.0017801038920879364},{"text":"Correct.","start":1293.705,"end":1294.105,"sentiment":"neutral","sentiment_score":0.0121026448905468},{"text":"You guys have you guys have carry forward room.","start":1294.105,"end":1296.365,"sentiment":"neutral","sentiment_score":-0.018189825117588043},{"text":"Yeah.","start":1296.4249,"end":1296.9249,"sentiment":"neutral","sentiment_score":-0.0014031045138835907}],"sentiment":"neutral","sentiment_score":-0.09932317002676427,"num_words":16,"start":1272.015,"end":1296.9249},{"sentences":[{"text":"Yeah.","start":1301.48,"end":1301.98,"sentiment":"neutral","sentiment_score":-0.012560788542032242},{"text":"So so that so where that difference lies is basically the ACO is saying you owe us $55.60, whatever the case may be, because the marginal rate, if you guys wanna wipe that bill entirely, you guys would have to put in basically 65 each.","start":1302.12,"end":1315.1,"sentiment":"neutral","sentiment_score":-0.08223802886075443},{"text":"Yeah.","start":1355.17,"end":1355.67,"sentiment":"neutral","sentiment_score":0.003600221127271652},{"text":"I see.","start":1359.49,"end":1360.2301,"sentiment":"neutral","sentiment_score":-0.07023940235376358},{"text":"Yeah.","start":1360.29,"end":1360.79,"sentiment":"neutral","sentiment_score":-0.021194156259298325}],"sentiment":"neutral","sentiment_score":-0.07742689654231072,"num_words":50,"start":1301.48,"end":1360.79},{"sentences":[{"text":"Yeah.","start":1362.8501,"end":1363.3501,"sentiment":"neutral","sentiment_score":-0.019533252343535423},{"text":"Yeah.","start":1394.1749,"end":1394.4149,"sentiment":"neutral","sentiment_score":-0.22655907273292544},{"text":"It's just it's too much.","start":1394.4149,"end":1395.7949,"sentiment":"negative","sentiment_score":-0.3891876459121704},{"text":"Can sometimes be better to be poor.","start":1414.045,"end":1415.725,"sentiment":"negative","sentiment_score":-0.34326844981738497},{"text":"Yes.","start":1415.725,"end":1416.205,"sentiment":"neutral","sentiment_score":-0.027034617960453033}],"sentiment":"neutral","sentiment_score":-0.3081296214212974,"num_words":15,"start":1362.8501,"end":1416.205},{"sentences":[{"text":"Very much so.","start":1416.205,"end":1417.265,"sentiment":"neutral","sentiment_score":-0.06801909829179446},{"text":"Yeah.","start":1420.205,"end":1420.705,"sentiment":"neutral","sentiment_score":-0.08651556819677353},{"text":"Yeah.","start":1433.9,"end":1434.3,"sentiment":"neutral","sentiment_score":-0.019127704203128815},{"text":"Which I've I've done the rough I've done the rough calculations for you based on how much you take out of the offset.","start":1434.3,"end":1440.165,"sentiment":"neutral","sentiment_score":-0.03421659006372742},{"text":"Yeah.","start":1476.4299,"end":1476.9299,"sentiment":"neutral","sentiment_score":0.02670189179480076}],"sentiment":"neutral","sentiment_score":-0.036895870584352265,"num_words":29,"start":1416.205,"end":1476.9299},{"sentences":[{"text":"Yeah.","start":1479.47,"end":1479.97,"sentiment":"neutral","sentiment_score":0.07837539911270142},{"text":"Yeah.","start":1495.4049,"end":1495.725,"sentiment":"neutral","sentiment_score":0.028336605057120323},{"text":"No.","start":1495.725,"end":1495.965,"sentiment":"neutral","sentiment_score":-0.05014685541391373},{"text":"It does it does it makes perfect sense.","start":1495.965,"end":1498.73,"sentiment":"neutral","sentiment_score":0.16422629775479436},{"text":"It's just it's it's a matter of can you like, of of of weighing up the two fiscal outcomes or financial outcomes, and then also looking at well, because we have all the money sitting in the offset, could we put you know, if we do take from the offset and and create a bit of a a bill, can we then make sure that we're, you know, not being a little bit more frugal, putting more money back into the offset and just absolutely, like, hammering money into the offset to bring it back up.","start":1498.73,"end":1527.5,"sentiment":"neutral","sentiment_score":0.10688352146341155}],"sentiment":"neutral","sentiment_score":0.10870274384375488,"num_words":107,"start":1479.47,"end":1527.5},{"sentences":[{"text":"Because we we we previously had a mortgage.","start":1527.7201,"end":1529.8,"sentiment":"neutral","sentiment_score":0.01570993708446622},{"text":"We were previously paying for our mortgage, then we sold the block of land.","start":1529.8,"end":1533.3401,"sentiment":"neutral","sentiment_score":0.0017129385045596532},{"text":"Now we don't have to put money into the mortgage.","start":1533.4801,"end":1535.66,"sentiment":"neutral","sentiment_score":-0.10499733686447144},{"text":"That money has gone somewhere.","start":1535.7201,"end":1537.5801,"sentiment":"neutral","sentiment_score":-0.12291129976511002},{"text":"It's going towards other expenses living a little bit less frugally because we don't have that mortgage to consider or think about.","start":1538.265,"end":1544.8251,"sentiment":"neutral","sentiment_score":-0.13384989141063255}],"sentiment":"neutral","sentiment_score":-0.0755858786909257,"num_words":59,"start":1527.7201,"end":1544.8251},{"sentences":[{"text":"So maybe it's a matter of taking a step back, tightening that belt a little bit, going back to pretending like we do have a mortgage, and just literally putting money as much as possible back into that offset.","start":1544.8251,"end":1553.7,"sentiment":"neutral","sentiment_score":0.02782692502324398},{"text":"Yep.","start":1567.075,"end":1567.575,"sentiment":"neutral","sentiment_score":0.17488089203834534},{"text":"Yeah.","start":1575.955,"end":1576.455,"sentiment":"neutral","sentiment_score":0.1242934986948967},{"text":"Very very much so.","start":1597.265,"end":1598.545,"sentiment":"neutral","sentiment_score":0.12580233439803123},{"text":"Yeah.","start":1598.545,"end":1598.945,"sentiment":"neutral","sentiment_score":0.09018164873123168}],"sentiment":"neutral","sentiment_score":0.042995988107893776,"num_words":46,"start":1544.8251,"end":1598.945},{"sentences":[{"text":"Like because, realistically, the interest the interest that you'd be charged because you the mortgage lasts for another twenty three years.","start":1598.945,"end":1604.4,"sentiment":"neutral","sentiment_score":0.019107706223924954},{"text":"The interest that you would be charged over the next twenty three years if you, you know, didn't put any money onto it would be quite a lot over that time.","start":1604.48,"end":1613.04,"sentiment":"neutral","sentiment_score":-0.06247040052567759},{"text":"But if you take the money, incur the little bit of interest, and just make sure that you you know, it just depends on how much money you can put back into that account.","start":1613.04,"end":1621.395,"sentiment":"neutral","sentiment_score":-0.012452987844453138},{"text":"That's where the way up comes.","start":1621.695,"end":1623.635,"sentiment":"neutral","sentiment_score":0.06245909755428632},{"text":"If you're, you know, guarantee yeah.","start":1623.855,"end":1626.655,"sentiment":"neutral","sentiment_score":0.02958081445346276}],"sentiment":"neutral","sentiment_score":-0.014351864288351973,"num_words":98,"start":1598.945,"end":1626.655},{"sentences":[{"text":"If you're guaranteeing that you can put x amount in each week, that obviously changes how everything would would flow.","start":1626.655,"end":1633.7799,"sentiment":"neutral","sentiment_score":0.06592041794210672},{"text":"Yeah.","start":1640.96,"end":1641.46,"sentiment":"neutral","sentiment_score":0.05949816852807999},{"text":"Yep.","start":1647.0549,"end":1647.5549,"sentiment":"neutral","sentiment_score":0.07135617733001709},{"text":"Yes.","start":1654.59,"end":1655.09,"sentiment":"neutral","sentiment_score":0.08892443776130676},{"text":"Yep.","start":1660.51,"end":1661.01,"sentiment":"neutral","sentiment_score":0.07662001252174377}],"sentiment":"neutral","sentiment_score":0.06728363145763676,"num_words":24,"start":1626.655,"end":1661.01},{"sentences":[{"text":"I I mean, I would, yeah, I would, at the very least, because you've got sort of about the $30 sitting in excess on the offset.","start":1671.085,"end":1682.1799,"sentiment":"neutral","sentiment_score":0.08035238832235336},{"text":"I would, at the very least, take that excess that you have.","start":1682.48,"end":1685.78,"sentiment":"neutral","sentiment_score":0.10735914173225562},{"text":"So, you know, mortgages sitting at, you know, $3.03 77, and you've got sort of 400,000 sitting in the in the offset.","start":1686.32,"end":1693.0399,"sentiment":"neutral","sentiment_score":0.05837329900400205},{"text":"I would take whatever's there you go.","start":1693.0399,"end":1697.255,"sentiment":"neutral","sentiment_score":0.0465211562280144},{"text":"Yeah.","start":1711.53,"end":1712.03,"sentiment":"neutral","sentiment_score":0.08574441075325012}],"sentiment":"neutral","sentiment_score":0.07460407175890663,"num_words":68,"start":1671.085,"end":1712.03},{"sentences":[{"text":"The I mean, I would I would probably try and put whatever's currently excess into your super funds just to bring that debt down a little bit.","start":1713.37,"end":1721.87,"sentiment":"neutral","sentiment_score":0.10982325148803217},{"text":"And then just call your accountant and say, hey.","start":1723.125,"end":1725.625,"sentiment":"neutral","sentiment_score":0.0785926298962699},{"text":"Can I can I do a a a repayment schedule with the ATO?","start":1726.245,"end":1730.665,"sentiment":"neutral","sentiment_score":0.0679582327317733},{"text":"What does the interest rate look like on that?","start":1731.685,"end":1733.785,"sentiment":"neutral","sentiment_score":0.015469469336999787},{"text":"Because the ATO can sometimes do, like, a really short time like, short term repayment schedule without interest depending on how you set it up.","start":1735.5,"end":1744.08,"sentiment":"neutral","sentiment_score":0.02247261494398117}],"sentiment":"neutral","sentiment_score":0.06333806123360093,"num_words":83,"start":1713.37,"end":1744.08},{"sentences":[{"text":"You could sort of do something along those lines where you you have a proper payment schedule.","start":1747.1,"end":1750.795,"sentiment":"neutral","sentiment_score":0.17013413064620075},{"text":"That way, you're not having to take out of your mortgage offset.","start":1750.795,"end":1754.8151,"sentiment":"neutral","sentiment_score":0.11519680296381314},{"text":"And it means that, you know, whatever you guys were gonna allocate to your mortgage offset, you can send over to the ATO instead.","start":1755.915,"end":1762.8401,"sentiment":"neutral","sentiment_score":0.1598569160948197},{"text":"So that way you guys are keeping to that little bit more conservative position where you you don't incur any interest on the mortgage.","start":1763.06,"end":1769.8,"sentiment":"neutral","sentiment_score":0.1877435459755361},{"text":"Yeah.","start":1791.49,"end":1791.99,"sentiment":"neutral","sentiment_score":0.08775514364242554}],"sentiment":"neutral","sentiment_score":0.1628821549984889,"num_words":78,"start":1747.1,"end":1791.99},{"sentences":[{"text":"Yeah.","start":1809.1849,"end":1809.6849,"sentiment":"neutral","sentiment_score":0.018523359671235085},{"text":"Absolutely.","start":1812.08,"end":1812.58,"sentiment":"neutral","sentiment_score":0.21580341458320615},{"text":"More than happy to.","start":1813.36,"end":1814.58,"sentiment":"positive","sentiment_score":0.5923396199941635},{"text":"Does that, I guess, give you someone to bounce off and give you some little bit more clarity?","start":1814.64,"end":1819.46,"sentiment":"neutral","sentiment_score":0.19815070844358867},{"text":"Or yeah.","start":1819.52,"end":1825.7949,"sentiment":"neutral","sentiment_score":0.04529550299048424}],"sentiment":"neutral","sentiment_score":0.24080726969987154,"num_words":26,"start":1809.1849,"end":1825.7949},{"sentences":[{"text":"Yeah.","start":1846.125,"end":1846.625,"sentiment":"neutral","sentiment_score":0.0332462303340435},{"text":"Yeah.","start":1846.925,"end":1847.245,"sentiment":"neutral","sentiment_score":0.13227996230125427},{"text":"You got grocer.","start":1847.245,"end":1848.145,"sentiment":"neutral","sentiment_score":0.1350094129641851},{"text":"Yes.","start":1867.98,"end":1868.48,"sentiment":"neutral","sentiment_score":0.02654675953090191},{"text":"Yeah.","start":1868.86,"end":1869.26,"sentiment":"neutral","sentiment_score":0.07312299311161041}],"sentiment":"neutral","sentiment_score":0.0957463120243379,"num_words":7,"start":1846.125,"end":1869.26},{"sentences":[{"text":"Yeah.","start":1869.26,"end":1869.5,"sentiment":"neutral","sentiment_score":0.05583621561527252},{"text":"Exactly.","start":1869.5,"end":1870.0,"sentiment":"neutral","sentiment_score":0.05177002400159836},{"text":"The more the more money you invest, the the and over the longer term, the better outcome you have, most certainly.","start":1870.22,"end":1877.005,"sentiment":"neutral","sentiment_score":0.10187342975820814},{"text":"Yeah.","start":1885.9451,"end":1886.4451,"sentiment":"neutral","sentiment_score":-0.0137080866843462},{"text":"Yeah.","start":1899.135,"end":1899.635,"sentiment":"neutral","sentiment_score":0.3074995279312134}],"sentiment":"neutral","sentiment_score":0.10162958823144436,"num_words":25,"start":1869.26,"end":1899.635},{"sentences":[{"text":"Yeah.","start":1911.0701,"end":1911.5701,"sentiment":"neutral","sentiment_score":0.08148577809333801},{"text":"And there's there's also the consideration that, you know, whilst you guys wanna, you know, have have your current house, you know, with no mortgage or very little, if we're gonna go and get an investment property or go and buy a unit, that position is gonna change.","start":1912.5901,"end":1927.135,"sentiment":"neutral","sentiment_score":0.040299006776573755},{"text":"You know?","start":1927.595,"end":1928.1549,"sentiment":"neutral","sentiment_score":0.055554527789354324},{"text":"We are in the unit for twelve months.","start":1928.1549,"end":1929.515,"sentiment":"neutral","sentiment_score":0.0808519134297967},{"text":"We can always shift any debt that's sitting on our house over to the investment property.","start":1929.515,"end":1935.375,"sentiment":"neutral","sentiment_score":0.07098634331487119}],"sentiment":"neutral","sentiment_score":0.05212725279231866,"num_words":75,"start":1911.0701,"end":1935.375},{"sentences":[{"text":"So there's there's always you know, we we can be very flexible with how we do things.","start":1936.1549,"end":1940.25,"sentiment":"neutral","sentiment_score":0.1887521901551415},{"text":"We might have to incur interest for a short term on our house, but we can change that with, you know, shifting it later onto the investment property.","start":1940.25,"end":1951.39,"sentiment":"neutral","sentiment_score":0.09311737239892993},{"text":"It's all just about refinancing.","start":1953.515,"end":1954.8151,"sentiment":"neutral","sentiment_score":0.05623122453689575},{"text":"So just using equity equity that we have in the property and just shifting it from one property to the other.","start":1955.755,"end":1961.135,"sentiment":"neutral","sentiment_score":0.057469701749228295},{"text":"Yeah.","start":1965.13,"end":1965.63,"sentiment":"neutral","sentiment_score":0.07465757429599762}],"sentiment":"neutral","sentiment_score":0.10248265407669048,"num_words":72,"start":1936.1549,"end":1965.63},{"sentences":[{"text":"Exactly.","start":1965.6901,"end":1966.1901,"sentiment":"neutral","sentiment_score":0.13366732001304626},{"text":"Definitely does.","start":1967.6901,"end":1968.5701,"sentiment":"positive","sentiment_score":0.34826964139938354},{"text":"That's exactly how it works.","start":1968.5701,"end":1970.03,"sentiment":"neutral","sentiment_score":0.3001090079545975},{"text":"Just a matter of yeah.","start":1970.49,"end":1971.9501,"sentiment":"neutral","sentiment_score":0.08754731118679046},{"text":"Yeah.","start":1973.05,"end":1973.4501,"sentiment":"neutral","sentiment_score":0.029352517798542976}],"sentiment":"neutral","sentiment_score":0.19984576545123542,"num_words":14,"start":1965.6901,"end":1973.4501},{"sentences":[{"text":"So we might, like, we might have to you know, well, irrespective, if if you pay the ATO off in a bulk, you're gonna end up with a little bit of you're gonna you're gonna end up incurring interest because, you know, you you'd lose the money out of that account.","start":1973.4501,"end":1988.645,"sentiment":"neutral","sentiment_score":0.035747548382656244},{"text":"But when we buy the investment property, it's gonna do its thing, and then, you know, you're gonna be able to ship the money again.","start":1989.345,"end":1998.26,"sentiment":"neutral","sentiment_score":0.17105973541736602},{"text":"Like, it's it's it might just be a matter of sort of rolling rolling where the the debt sits and and shifting how the finances move.","start":1998.26,"end":2005.2999,"sentiment":"neutral","sentiment_score":-0.07200231596540946},{"text":"And anytime we make any big financial change, it's gonna uproot the entire system anyway.","start":2005.2999,"end":2011.4349,"sentiment":"neutral","sentiment_score":-0.23966538310050964},{"text":"Just gives you another layer of things to think about.","start":2017.4149,"end":2019.595,"sentiment":"neutral","sentiment_score":0.15898531675338745}],"sentiment":"neutral","sentiment_score":0.01749945321948979,"num_words":127,"start":1973.4501,"end":2019.595},{"sentences":[{"text":"That's okay.","start":2021.85,"end":2022.75,"sentiment":"neutral","sentiment_score":0.060449548065662384},{"text":"Well, I can get rid of one of your headaches.","start":2024.5701,"end":2026.49,"sentiment":"neutral","sentiment_score":-0.12308010905981064},{"text":"I had to look through the email that you forwarded me.","start":2026.49,"end":2028.8301,"sentiment":"neutral","sentiment_score":-0.0674794019961899},{"text":"I think it's just peak pinnacle doing what they should have done back in the beginning by issuing you with the financial services guide.","start":2028.89,"end":2036.105,"sentiment":"neutral","sentiment_score":0.006136626548444231},{"text":"It's come directly from Peak Pinnacle.","start":2036.105,"end":2037.7051,"sentiment":"neutral","sentiment_score":-0.02550180411587159}],"sentiment":"neutral","sentiment_score":-0.03505485290485733,"num_words":53,"start":2021.85,"end":2037.7051},{"sentences":[{"text":"It hasn't come from me or or or Fabian or anything like that.","start":2037.7051,"end":2041.3251,"sentiment":"neutral","sentiment_score":-0.09387239584555992},{"text":"It just come from Peak Pinnacle when you first spoke to them.","start":2041.625,"end":2044.025,"sentiment":"neutral","sentiment_score":-0.015390475746244192},{"text":"I think they're just sending you yeah.","start":2044.025,"end":2046.51,"sentiment":"neutral","sentiment_score":-0.020500356065375463},{"text":"They're just sending you the financial services guide in connection with the conversation they had with you because they're supposed to send that to you.","start":2046.51,"end":2055.09,"sentiment":"neutral","sentiment_score":-0.044974294155836106},{"text":"Yep.","start":2068.325,"end":2068.825,"sentiment":"neutral","sentiment_score":0.09453438967466354}],"sentiment":"neutral","sentiment_score":-0.0444543502004496,"num_words":58,"start":2037.7051,"end":2068.825},{"sentences":[{"text":"No.","start":2071.5398,"end":2071.94,"sentiment":"neutral","sentiment_score":-0.020905394107103348},{"text":"That's okay.","start":2071.94,"end":2072.92,"sentiment":"neutral","sentiment_score":0.12222937121987343},{"text":"Absolutely.","start":2073.0598,"end":2073.5598,"sentiment":"neutral","sentiment_score":0.279352068901062},{"text":"Look.","start":2074.5798,"end":2074.8198,"sentiment":"neutral","sentiment_score":0.17840194702148438},{"text":"If there's any questions you have or if you wanna run anything by me, just flick me an email.","start":2074.8198,"end":2078.42,"sentiment":"neutral","sentiment_score":0.10215002729704506}],"sentiment":"neutral","sentiment_score":0.10925657845412691,"num_words":24,"start":2071.5398,"end":2078.42},{"sentences":[{"text":"We'll give my team a call.","start":2078.42,"end":2079.72,"sentiment":"neutral","sentiment_score":0.10598651443918546},{"text":"And if I'm available on the spot, I'll give you a call ad hoc like I you know, if if I can.","start":2079.7798,"end":2085.015,"sentiment":"neutral","sentiment_score":0.08055949752981012},{"text":"Otherwise, I'll just I'll schedule you in within the next sort of two or three days to have a chat.","start":2085.015,"end":2089.835,"sentiment":"neutral","sentiment_score":0.07219769302755594},{"text":"Yeah.","start":2093.815,"end":2094.315,"sentiment":"neutral","sentiment_score":0.09718656539916992},{"text":"Yeah.","start":2104.88,"end":2105.38,"sentiment":"neutral","sentiment_score":0.03202755004167557}],"sentiment":"neutral","sentiment_score":0.07962792016565799,"num_words":50,"start":2078.42,"end":2105.38},{"sentences":[{"text":"Yeah.","start":2117.5352,"end":2118.0352,"sentiment":"neutral","sentiment_score":0.018987631425261497},{"text":"Yeah.","start":2140.475,"end":2140.975,"sentiment":"neutral","sentiment_score":-0.04475654289126396},{"text":"Yeah.","start":2144.7952,"end":2145.2952,"sentiment":"neutral","sentiment_score":0.02017045766115189},{"text":"Absolutely.","start":2155.66,"end":2156.16,"sentiment":"neutral","sentiment_score":0.08912405371665955},{"text":"Yeah.","start":2160.075,"end":2160.315,"sentiment":"neutral","sentiment_score":0.08412681519985199}],"sentiment":"neutral","sentiment_score":0.03353048302233219,"num_words":5,"start":2117.5352,"end":2160.315},{"sentences":[{"text":"If you if you run into any issues, let me know.","start":2160.315,"end":2163.055,"sentiment":"neutral","sentiment_score":0.03945559330961921},{"text":"No.","start":2166.395,"end":2166.635,"sentiment":"neutral","sentiment_score":0.002084445208311081},{"text":"That's okay.","start":2166.635,"end":2167.355,"sentiment":"neutral","sentiment_score":0.023628730326890945},{"text":"Did did the other half have any questions at all?","start":2167.355,"end":2170.095,"sentiment":"neutral","sentiment_score":0.018940738029778005},{"text":"He's done for the day.","start":2178.53,"end":2179.81,"sentiment":"neutral","sentiment_score":-0.002159307152032852}],"sentiment":"neutral","sentiment_score":0.02282635437260414,"num_words":29,"start":2160.315,"end":2179.81},{"sentences":[{"text":"He's in holiday mode.","start":2179.81,"end":2181.03,"sentiment":"neutral","sentiment_score":-0.002574760621882888},{"text":"That's okay.","start":2190.2249,"end":2191.125,"sentiment":"neutral","sentiment_score":0.16797081381082535},{"text":"If he has any questions, again, just shoot me an email.","start":2191.265,"end":2194.4849,"sentiment":"neutral","sentiment_score":0.06920142437924039},{"text":"He will.","start":2202.24,"end":2203.06,"sentiment":"neutral","sentiment_score":0.2777375802397728},{"text":"Thanks, Michelle.","start":2203.44,"end":2204.34,"sentiment":"positive","sentiment_score":0.3812395930290222}],"sentiment":"neutral","sentiment_score":0.11451488570682636,"num_words":21,"start":2179.81,"end":2204.34},{"sentences":[{"text":"Bye.","start":2205.6,"end":2206.1,"sentiment":"positive","sentiment_score":0.3667430281639099}],"sentiment":"positive","sentiment_score":0.3667430281639099,"num_words":1,"start":2205.6,"end":2206.1}]}}]},{"alternatives":[{"transcript":"Hello? I'm good. Thank you. Good. Yeah. I'm surprised it's a public holiday. I'm on Friday, I have to be hung up. I said, oh my god. It's public holiday on Monday. Oh, okay. Fair enough. Oh, okay. Fair enough. Yeah. And I was probably apologizing with the stress. Also, it must have been over there as well. So it's kinda like I think oh, good. Bye. No worries. Yeah. Good. Yeah. It's Michelle Mcdars in the code. 25th Of 974 in Fort Upper Court, Motorvale. Yeah. And yeah. And Troy, just just to go over a few little things, that was all. By the way, I with the welcome call I got on Friday, she sent me paperwork or email through, but it came through as peak Pinnacle, I think it was, financial. Is it you guys all linked together or because the emails I've got, like, for the new login for super and stuff come up with peak clinical. Does that make sense? So you're with OPU. Yeah? Which is who we're going through? Yeah. Yeah. I can't. Because I I just because I thought it's it's okay that I'm going through, and then I was like, I've been panicking all weekend. So, yeah, I just wanted to know. And she's the one I spoke to on Friday, obviously, to book this in for you today, and I was waiting to hear back because she did ring me today. So yeah. Because I I just got, like, these North online temporary password, I think it was. Let's see. Is that is that right, though? North @amp.com dot e. That is u guys? Sorry. I just gotta find it. Peak Financial Peak Pinnacle Financial Limited. I got one as well. And I'm pretty sure they came in straight after she sort of said to me, I'll send you an email through. Because Peaks, I think, is who Troy goes through, but it's in my name. And they're the ones that, well, when I spoke to Fabio, the or the first time with this went around a cup a month or two ago that they couldn't help me. So I thought, oh, whatever. And then you guys come back and said you could do it with a benefit than staying with Hester. So yeah. Yeah. So think financial services. Yeah. I can. It came with two yeah. So I I I just wasn't sure what was going on because I'm pretty sure that you guys going with you guys and sort of paperwork for you. And Hester sent me confirmation that you've taken the money already. And I then thought, oh my god. What have I done? So I thought you're reviewing today. I said, no. That's good then. It was like, I'm not being you know, just having, like, a peak freak. Okay. That'd be good. Yeah. Because I don't know if because the super team, if that was because it's under that group, and then I'm not not sure if it's just like an extended thing. But yeah. And I didn't get to I didn't think to ask what the email come through, what group I'd if it's not on the overview, what it was to log in and do all that stuff. So I because we got product holiday out, but I was just gonna do it tomorrow or Wednesday, get it on and log it all in and stuff like that. So Cool. Thank you for that. I was just waiting for your email to come through with that. Yeah. Because I just thought, oh my god. Okay. Is it north at AMP? I don't know if that's just it says super, but it was the person I'm speaking to. It just all happened then, like because I said Pete had rang me as well and a lot I don't know who it was. She said it was a welcome message, welcome to, which is what you said when I spoken to you this Friday. Then I got the pink peak pinnacle come through. I was thinking, oh, what's going on? Anyway yeah. So we have been to see our tax accountant last week, and she said what they do is they they take it on the whole amount of a 130, and then that gets divided into two because you get 50 percent off. Yeah. It's left at 65. But it looked like that we needed she said to cover estimate would be roughly 55 to 60,000 for tax. If we did the 65% into super, it would still bring us down to half of that. So instead of being 30,000 each, it'll be 16,000 each. We'd still have to pay capital gains. But on the losing side of that is that it takes more out of our we'd have to pay more on our mortgage anyway over the six to whatever. I think we couldn't redraw that out. Is that right? We can't redraw the 60,000 out or 65 out until we retire. Is that right? Yeah. Yeah. Yeah. Yeah. Yeah. Because I think it worked out. It was gonna cost if we kept the money in the offset account to pay our principal down. Well, we still have I think we end up paying 90,000 in interest over that period of time or a bit more. So, you know, my husband said, well, we probably better off paying the tax guy and saving the $90 and then just I don't know. He said he'd talk to you. I just gotta find him at the moment. Just walk away. Yeah. Yeah. So yeah. So we still haven't decided what is the best way to go about that for the capital gains. So we're still sitting on it. But I think he had a couple of questions. I hope that's fine. Give me a second. I've got this lady on the financial services. It's got me on Friday. The guy lady we talked to on Friday. He's just getting dressed. Sorry. Yeah. So yeah. Anyway yeah. So we haven't quite decided what we we do with that regarding that. So I know we've only got a few a few a week or two to decide. Yeah. Yes. Yes. Yes. Done. Yeah. Fair enough. Well, yeah, they would definitely make a decision before then regarding that. Alright. Oh, my head's gone blank. There was a couple of things I was gonna ask you. So when I spoke to a lady on Friday, I said that you said I didn't have to change my contribution that my employer do into I stayed in Hester. She didn't know that. And I said, oh, look. I just wanted to make sure that was confirmed, that I don't have to change. It still goes in there. Yeah. Cool. Alright. No worries. And if I decide to not put the money into the Hester into the super. Yeah. Can I still get advice on if we wanna do it, like, the broker? Like, you said you could help us with brokers if we decide to use the house of equity to then go and because I think we're probably gonna sort of leaning to just leaving the money in the offset account trying to bring our principal down and using that money in the offset account as savings for when, like, in if we leave it there and just keep using it to pay off principal. So they then when we do sort of semi retired, we'll have a lump sum money there to then pop back into super and then use or whatever we decide to do at that point in time at this stage. Because at the moment, we have to pay the capital gains that leaves us with only 37 left in our mortgage to pay that we'd actually be interest on anyway, which wouldn't be that much if we start pumping money into the principal and bring it down really quickly in the next five years, get back to sort of if we're paying $500 a week into it each to bring that down. So that's what we're sort of roughly looking at at this stage of doing. But we do still wanna buy an apartment or a townhouse of some sort to sort of look at in as a retirement down the track. So would we I can call you for to get like, you said you had a broker on board. Is that does that come by through you? Yeah. Yep. Yeah. Yeah. That would be wonderful. Just to go that yeah. That would be wonderful. I still haven't got that email through. Hang on. Let me go and see. I've been getting a lot of going through spam lately. Oh, there it is. It's in spam. Yeah. Yeah. No. I think I'm just looking keep looking at my phone, and I I've just had a hold of this email from my son with his stuff, and it's all going to spam because he said, I didn't receive any of it. Oh my god. I just moved that into a different file. Okay. Yeah. Because I just I just got a bit like I said, I just got a bit of a heart attack over the weekend. Alright. So if I for me, the point of call, like, if I wanna know about the super fund, I can contact you. Are you the one to my porta call, or do I just get any get anyone? Yeah. Oh, no. No. I I'd I'd make an appointment. I wouldn't just harass you on the phone like that. I wouldn't do that. I would just be like because I'll make an appointment in a week or two for this date to have a talk about any concerns or I can't log on. Yeah. Cool. Yes. Yeah. Oh, yeah. Yeah. No. I wouldn't do that to you. I just yeah. I just want to make sure that yeah. I've because like I said, it's all done over the phone. It's very hard because you're not seeing in person. You're not seeing it's all sort of, like, taking out the Internet and just getting all these emails, and I'm not very tech savvy. So Yeah. Cool. That yeah. It's just bit of reassurance for me as well because then I know that I'm actually talking to someone on the other line, and I know that that it's a good sort of thing. Sorry. I'm just trying to forward this. Oh my shit. Yeah. It's I'm trying to forward, but every time I try to forward, your name doesn't come up. So I can't, like, it doesn't automatically go to maybe if I do that. Yeah. It just I said I'm not very tech savvy. I'll forward this to you anyway because instead of going a bit confused. And then I thought, she say the lady that spoke to me on Friday, this and that. My husband said, well, I didn't actually catch what she said at the beginning. But I said she referred everything you had said to me prior to that. So, like, I wasn't that unsure, but it was just that I've got clinical and then I got the north, which I wanted to ask today if you rang, if that was the correct thing that I need to do. Yep. Yep. Yeah. I just I think I've only just received it. Yeah, this morning at 5AM. I got the temporary password, and the other one I got on the twenty fourth. Because she said to me, wait till beginning of the week before they might to set up. So yeah. So yep. Yeah. Yeah. So I see that she said right at the beginning of the week, and I thought today's probably holiday, but I will I will get on and do that just after I speak finish speaking to you. So I've just sent that email through to you because like I said, I got a bit confused in a bit. Okay. Because I I think the company that ran me said no. We can't help. And then, like, then Savio sort of said, oh, there is go through it again. And you guys obviously said you could do make it beneficial to change over. So yeah. Yeah. Then the time is here stuff. Yeah. Yeah. No. So that would be good. Alright. So I've sent that through. I think that was it because I like, Choice, he's gone off. He said, I can't talk now. I'm doing stuff and he's not in the hedge frame. He was on Friday, but he's not today. Yeah. Cool. Alright. So I will definitely get back to you. Either way, I'll ship you an email so I don't have to bother you just to say we've decided to keep the money or we're gonna put this amount in, and then I'll let get you to email me or talk to me how to to deposit that if we go down that track into the super. Yes. Yep. Yes. That's it. Yeah. Oh, I didn't I didn't oh, okay. I didn't know that. Yep. Yes. Yes. Yep. Yeah. Yeah. Yeah. Yeah. It worked out that Troy ended up being 210, so he was paying the higher percentage. And I ended up in his tax yeah. I ended up in his tax bracket as per that, and she said that ended up being $20.29, I think, that Troy had to pay, and I had to pay 25, I think it was. But she said that's just the estimate she's got now. It won't be she said best to leave 55 to 60,000 out for it just in case it goes it life goes up. She said she's gonna do an estimate on what we went from last year, not this year. Obviously, she said so if we leave the bill to be around 55 to 60, she said that will cover you for any incidentals just to make it on the safe side. But it ended up being I think it was, like, 50 something thousand we would have had to pay together. So, yeah, it yeah. No. Well, it wasn't too far off. Yeah. Yeah. You did good. So she just sort of said that just remember that it's only it's tax on the 130. She said not the 60 the 65 here. If you put 65 in, we she said we could put up to a 120,000 contribution in there on top of the 30,000 that the employer can put in. So she said you'd be yeah. Yeah. So that's what she said to us. We do have carry forward room put you into that. We wanted to do it. A hundred. She said we'd have to put a 138 to what to what that bill would have to put a 130 each of what we earned from the beginning. We if we put the 65, we'd still be in that tax bracket. We would still have to pay because even though we only get taxed on 65, you said we would be taxed. So we would have to be half of what we've paid. So it'd be 25,000 each. We'd have to 25 to 30, we'd have to pay tax anyway even if we just put 65 each into the account. She said to wipe the capital gains altogether, we would have to put a 130 in each in our super, which is what she said. Yeah. So we still would be taxed, but it won't be as severe taxed as what we've had before. She said the 65, she said, you won't be you even if you put 65 in the super, we'd still be taxed on the the 130 we have each. Like, the other 65, you wouldn't get the 50% offering like that, which is what she roughly said. Said behalf of what we pay now to the tax, we still would be paying unless you put the whole 130 in. Which my husband doesn't really wanna put the 130 in to see because we won't be able to get it out until we retire. Yeah. And because we wanted to make sure that we bring I sort of don't have a mortgage either, so I wanted to bring that down. So yeah. So that's where he's at. Is it as well? You know what I mean? Like, it's it's just so hard confusing when you get money. It's just that it's a big call. Yeah. That's difficult in discarding what we're gonna do. But yeah. So we're still sort of niggling it all out because he's, like, thinking of what we have to pay on our interest on our mortgage as well. If we don't have the money in there, is it, like, we'd be paying anyway that amount? Yeah. Yeah. I know. See, that's what he said. So we still would be paying the 25,000 ish to the tax. We still be paying and that leaves it on a 170 in that mortgage, which I think ended up being 70, I think he worked out. 70,000, 77,000 interest we'd be paying on top of that. So it wouldn't be worth it because, like, we're only paying 25 to the tax you know, we're not gonna get it back. But we'd be paying more in that interest on our loan over the period of time. I think you put ten years six to ten years on that. So that's how he's worked it. Yeah. So he said, oh, is it worth it if we just pay the 25 or we pay the 60, and then we're we're paying roughly what we've been paying in interest extra on our mortgage instead of bringing our principal down now with what we've got. Does that make sense? I know the way he explained it. Yeah. Yeah. Yes. Yes. Yeah. Well, that's what he's planning on doing. He's planning on just while the money's sitting in the offset, just hammering our principal for the next five years to bring that down to zero. So the money that's sitting in the offset is worth $3.40. And that's when we've got 340,000 sitting there in six years if we're now and tighten our belts and pay that mortgage off why we don't have to pay interest. Thinking. And then and just paying the tax bill because we're saving money on paying our interest on the mortgage while we're trying to slam everything else down and doing it that way. Even though we lose 60 but we save x amount because we're not paying interest. Yeah. Yeah. Yeah. And that's what he yeah. Yeah. Yeah. So that's what we're looking at now. Like, we've got it in, like, three or four different ways. If we just pack it all in the mortgage and done that, then we've got a lot more principal or equity in the house without having to pay a mortgage and would have extra money to pop back into savings of training into debt and start building that offset account back up. Or do we just do some to the into our super and then pay less on the a the capital gains? How much you're paying on interest on that? And we've also got the one where we're not just paying the tax off, keeping the money in the offset account, and just hammering our principal down. So there are three options three or four options that we're looking at. Yep. It'll be $3.40, I think. It was $3.40. We'll have ask you for your net payment tax. It'll be $3.40 is what we have left. And that leads to 35 37,000 that interest will be paid on because we have less in our offset account than what we're doing in our mortgage repay like, our mortgage debt. Mhmm. Yeah. Yeah. Yeah. Yep. Yeah. Yeah. Yeah. That's what we thought of because I think it it allows us. We've got 37,000. Like I said, that is flexible. Like, that's to bring us ever without mortgage. It'll be that 37,000 to let bring us level with the mortgage so we still have to pay interest and then just hammer out our mortgage off. So, yeah, we do have the 37. We probably do, like you say, I would do the installments with the tax office or put that in the super. We'll work it all out. But, yeah, I would definitely let you know about that one. No. Yeah. Alright. Thank you for that. Yeah. Yeah. Yeah. It's just just not knowing which is the right path to choose. Like, it should be my husband's just all numbers and, you know, he doesn't he wants to make it the best one we've done is save us a little bit of your money over the whole period of time that everything's in our super bug. I've been saving your super you're gonna be incurring interest on or whatever you've put our money into, you've got more there to put into, so we're gonna get more back. So we will be yeah. We've got growth there. So we're gonna have even though we lose it short term, long term, we'll have that extra money to build on, and it's gonna be give us pretty bigger gains than what we would just put in the way we are. So that was the other consideration was that there's all money to put out there to bring back in. I mean, also yeah. Well, but Yes. Yeah. That's it. So that was the other thing. So that I have to I said, do you have to learn think about the long term, like, in ten years for me anyway before I can get that money back. That tend it's still gonna be growing anyway. It's gonna be gaining money or interest, whatever we you know, from the stock market. The growth from that will be coming in as well. Alright. For the long term, so when we file, we'll have a big amount of money sitting there anyway, and we can probably use it then to pay off the mortgage we've got now if we don't sell between now and then. How do you do that? How do you shift it? Oh, okay. Fair enough. The others and then the other one's got nothing on it, and the other one's got the full debt. Is that how it works? Okay. Fair enough. I didn't think of that one. Yeah. Yes. Yeah. Yeah. Yeah. That's right. Alright. Cool. That that yeah. Yeah. Thanks for that. Just another headache. No. That's all good. Yeah. Cool. Yep. Yep. Oh, that was months ago. Okay. Because I'm thinking I didn't have a conversation. Yeah. Because I'm thinking I didn't get a conversation with them. I just spoke to to Jordan. I thought now I'm thinking yeah. Because she was actually affected because she knew about everything. I'm thinking, no. It can't be that. And then I'm thinking, well, why is that one? I'm thinking, oh, I'm a little confused. So that all good. Thank you for verifying that with me. Yeah. That's fine. That that it'll just be I'll stick to your email if I've got any questions or any worry. Probably won't be that often. It'll just be when you'll be able to make a decision. If you were a text saying or an email saying, we've decided to do this so you know you're in the loop and where we're where we're at with that extra money and stuff like that. And then it'll be working out what we're gonna do to because I do want another financial another investment just up our sleeve just to long term. As long as it's sort of paying itself off and doing a little bit for me, we do have to incur a few months there or weeks where it's out of rental or whatever, then which I can't see it being a problem since we're so short over here. But yeah. Just to make sure we we have the finance to do that as well because I don't I'm sort of hesitant. It doesn't work to leave myself short either. I've gotta be able to yeah. Go outside of my my means. But yeah. All good. Alright. Thank you so much for giving me a callback. We're returning your time today. Yeah. No. That's helped me a lot. I'll I'll do that email, go to the first one, and do the temporary password on that before it expires. I'll fix that today. Alright. Cool. Alright. Thank you so much. I really appreciate that. No. He's he's off and he's going to the line somewhere at the moment. He was already on Friday with all the questions, but today he's lost he's just not he's day off. He said that. Yeah. He's done. Yeah. He's like, no. I don't know what to think. He's gotta come and think I'm not not and just put his hands up. I said, okay. Well, there's no point in even dragging him in on the conversation because yeah. Yeah. Cool. Alright. That'd be great. Thank you so much, Lisa. I appreciate that, and I will be hearing from you or you're hearing from me shortly. Okay. Thanks, Lisa. Alright. Cheers. 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I'm good. Thank you. Good. Yeah.\n\nI'm surprised it's a public holiday. I'm on Friday, I have to be hung up. I said, oh my god. It's public holiday on Monday. Oh, okay.\n\nFair enough. Oh, okay. Fair enough. Yeah. And I was probably apologizing with the stress.\n\nAlso, it must have been over there as well. So it's kinda like I think oh, good. Bye. No worries. Yeah.\n\nGood. Yeah. It's Michelle Mcdars in the code. 25th Of 974 in Fort Upper Court, Motorvale. Yeah.\n\nAnd yeah. And Troy, just just to go over a few little things, that was all. By the way, I with the welcome call I got on Friday, she sent me paperwork or email through, but it came through as peak Pinnacle, I think it was, financial. Is it you guys all linked together or because the emails I've got, like, for the new login for super and stuff come up with peak clinical. Does that make sense?\n\nSo you're with OPU. Yeah? Which is who we're going through? Yeah. Yeah.\n\nI can't. Because I I just because I thought it's it's okay that I'm going through, and then I was like, I've been panicking all weekend. So, yeah, I just wanted to know. And she's the one I spoke to on Friday, obviously, to book this in for you today, and I was waiting to hear back because she did ring me today. So yeah.\n\nBecause I I just got, like, these North online temporary password, I think it was. Let's see. Is that is that right, though? North @amp.com dot e. That is u guys?\n\nSorry. I just gotta find it. Peak Financial Peak Pinnacle Financial Limited. I got one as well. And I'm pretty sure they came in straight after she sort of said to me, I'll send you an email through.\n\nBecause Peaks, I think, is who Troy goes through, but it's in my name. And they're the ones that, well, when I spoke to Fabio, the or the first time with this went around a cup a month or two ago that they couldn't help me. So I thought, oh, whatever. And then you guys come back and said you could do it with a benefit than staying with Hester. So yeah.\n\nYeah. So think financial services. Yeah. I can. It came with two yeah.\n\nSo I I I just wasn't sure what was going on because I'm pretty sure that you guys going with you guys and sort of paperwork for you. And Hester sent me confirmation that you've taken the money already. And I then thought, oh my god. What have I done? So I thought you're reviewing today.\n\nI said, no. That's good then. It was like, I'm not being you know, just having, like, a peak freak. Okay. That'd be good.\n\nYeah. Because I don't know if because the super team, if that was because it's under that group, and then I'm not not sure if it's just like an extended thing. But yeah. And I didn't get to I didn't think to ask what the email come through, what group I'd if it's not on the overview, what it was to log in and do all that stuff. So I because we got product holiday out, but I was just gonna do it tomorrow or Wednesday, get it on and log it all in and stuff like that.\n\nSo Cool. Thank you for that. I was just waiting for your email to come through with that. Yeah. Because I just thought, oh my god.\n\nOkay. Is it north at AMP? I don't know if that's just it says super, but it was the person I'm speaking to. It just all happened then, like because I said Pete had rang me as well and a lot I don't know who it was. She said it was a welcome message, welcome to, which is what you said when I spoken to you this Friday.\n\nThen I got the pink peak pinnacle come through. I was thinking, oh, what's going on? Anyway yeah. So we have been to see our tax accountant last week, and she said what they do is they they take it on the whole amount of a 130, and then that gets divided into two because you get 50 percent off. Yeah.\n\nIt's left at 65. But it looked like that we needed she said to cover estimate would be roughly 55 to 60,000 for tax. If we did the 65% into super, it would still bring us down to half of that. So instead of being 30,000 each, it'll be 16,000 each. We'd still have to pay capital gains.\n\nBut on the losing side of that is that it takes more out of our we'd have to pay more on our mortgage anyway over the six to whatever. I think we couldn't redraw that out. Is that right? We can't redraw the 60,000 out or 65 out until we retire. Is that right?\n\nYeah. Yeah. Yeah. Yeah. Yeah.\n\nBecause I think it worked out. It was gonna cost if we kept the money in the offset account to pay our principal down. Well, we still have I think we end up paying 90,000 in interest over that period of time or a bit more. So, you know, my husband said, well, we probably better off paying the tax guy and saving the $90 and then just I don't know. He said he'd talk to you.\n\nI just gotta find him at the moment. Just walk away. Yeah. Yeah. So yeah.\n\nSo we still haven't decided what is the best way to go about that for the capital gains. So we're still sitting on it. But I think he had a couple of questions. I hope that's fine. Give me a second.\n\nI've got this lady on the financial services. It's got me on Friday. The guy lady we talked to on Friday. He's just getting dressed. Sorry.\n\nYeah. So yeah. Anyway yeah. So we haven't quite decided what we we do with that regarding that. So I know we've only got a few a few a week or two to decide.\n\nYeah. Yes. Yes. Yes. Done.\n\nYeah. Fair enough. Well, yeah, they would definitely make a decision before then regarding that. Alright. Oh, my head's gone blank.\n\nThere was a couple of things I was gonna ask you. So when I spoke to a lady on Friday, I said that you said I didn't have to change my contribution that my employer do into I stayed in Hester. She didn't know that. And I said, oh, look. I just wanted to make sure that was confirmed, that I don't have to change.\n\nIt still goes in there. Yeah. Cool. Alright. No worries.\n\nAnd if I decide to not put the money into the Hester into the super. Yeah. Can I still get advice on if we wanna do it, like, the broker? Like, you said you could help us with brokers if we decide to use the house of equity to then go and because I think we're probably gonna sort of leaning to just leaving the money in the offset account trying to bring our principal down and using that money in the offset account as savings for when, like, in if we leave it there and just keep using it to pay off principal. So they then when we do sort of semi retired, we'll have a lump sum money there to then pop back into super and then use or whatever we decide to do at that point in time at this stage.\n\nBecause at the moment, we have to pay the capital gains that leaves us with only 37 left in our mortgage to pay that we'd actually be interest on anyway, which wouldn't be that much if we start pumping money into the principal and bring it down really quickly in the next five years, get back to sort of if we're paying $500 a week into it each to bring that down. So that's what we're sort of roughly looking at at this stage of doing. But we do still wanna buy an apartment or a townhouse of some sort to sort of look at in as a retirement down the track. So would we I can call you for to get like, you said you had a broker on board. Is that does that come by through you?\n\nYeah. Yep. Yeah. Yeah. That would be wonderful.\n\nJust to go that yeah. That would be wonderful. I still haven't got that email through. Hang on. Let me go and see.\n\nI've been getting a lot of going through spam lately. Oh, there it is. It's in spam. Yeah. Yeah.\n\nNo. I think I'm just looking keep looking at my phone, and I I've just had a hold of this email from my son with his stuff, and it's all going to spam because he said, I didn't receive any of it. Oh my god. I just moved that into a different file. Okay.\n\nYeah. Because I just I just got a bit like I said, I just got a bit of a heart attack over the weekend. Alright. So if I for me, the point of call, like, if I wanna know about the super fund, I can contact you. Are you the one to my porta call, or do I just get any get anyone?\n\nYeah. Oh, no. No. I I'd I'd make an appointment. I wouldn't just harass you on the phone like that.\n\nI wouldn't do that. I would just be like because I'll make an appointment in a week or two for this date to have a talk about any concerns or I can't log on. Yeah. Cool. Yes.\n\nYeah. Oh, yeah. Yeah. No. I wouldn't do that to you.\n\nI just yeah. I just want to make sure that yeah. I've because like I said, it's all done over the phone. It's very hard because you're not seeing in person. You're not seeing it's all sort of, like, taking out the Internet and just getting all these emails, and I'm not very tech savvy.\n\nSo Yeah. Cool. That yeah. It's just bit of reassurance for me as well because then I know that I'm actually talking to someone on the other line, and I know that that it's a good sort of thing. Sorry.\n\nI'm just trying to forward this. Oh my shit. Yeah. It's I'm trying to forward, but every time I try to forward, your name doesn't come up. So I can't, like, it doesn't automatically go to maybe if I do that.\n\nYeah. It just I said I'm not very tech savvy. I'll forward this to you anyway because instead of going a bit confused. And then I thought, she say the lady that spoke to me on Friday, this and that. My husband said, well, I didn't actually catch what she said at the beginning.\n\nBut I said she referred everything you had said to me prior to that. So, like, I wasn't that unsure, but it was just that I've got clinical and then I got the north, which I wanted to ask today if you rang, if that was the correct thing that I need to do. Yep. Yep. Yeah.\n\nI just I think I've only just received it. Yeah, this morning at 5AM. I got the temporary password, and the other one I got on the twenty fourth. Because she said to me, wait till beginning of the week before they might to set up. So yeah.\n\nSo yep. Yeah. Yeah. So I see that she said right at the beginning of the week, and I thought today's probably holiday, but I will I will get on and do that just after I speak finish speaking to you. So I've just sent that email through to you because like I said, I got a bit confused in a bit.\n\nOkay. Because I I think the company that ran me said no. We can't help. And then, like, then Savio sort of said, oh, there is go through it again. And you guys obviously said you could do make it beneficial to change over.\n\nSo yeah. Yeah. Then the time is here stuff. Yeah. Yeah.\n\nNo. So that would be good. Alright. So I've sent that through. I think that was it because I like, Choice, he's gone off.\n\nHe said, I can't talk now. I'm doing stuff and he's not in the hedge frame. He was on Friday, but he's not today. Yeah. Cool.\n\nAlright. So I will definitely get back to you. Either way, I'll ship you an email so I don't have to bother you just to say we've decided to keep the money or we're gonna put this amount in, and then I'll let get you to email me or talk to me how to to deposit that if we go down that track into the super. Yes. Yep.\n\nYes. That's it. Yeah. Oh, I didn't I didn't oh, okay. I didn't know that.\n\nYep. Yes. Yes. Yep. Yeah.\n\nYeah. Yeah. Yeah. It worked out that Troy ended up being 210, so he was paying the higher percentage. And I ended up in his tax yeah.\n\nI ended up in his tax bracket as per that, and she said that ended up being $20.29, I think, that Troy had to pay, and I had to pay 25, I think it was. But she said that's just the estimate she's got now. It won't be she said best to leave 55 to 60,000 out for it just in case it goes it life goes up. She said she's gonna do an estimate on what we went from last year, not this year. Obviously, she said so if we leave the bill to be around 55 to 60, she said that will cover you for any incidentals just to make it on the safe side.\n\nBut it ended up being I think it was, like, 50 something thousand we would have had to pay together. So, yeah, it yeah. No. Well, it wasn't too far off. Yeah.\n\nYeah. You did good. So she just sort of said that just remember that it's only it's tax on the 130. She said not the 60 the 65 here. If you put 65 in, we she said we could put up to a 120,000 contribution in there on top of the 30,000 that the employer can put in.\n\nSo she said you'd be yeah. Yeah. So that's what she said to us. We do have carry forward room put you into that. We wanted to do it.\n\nA hundred. She said we'd have to put a 138 to what to what that bill would have to put a 130 each of what we earned from the beginning. We if we put the 65, we'd still be in that tax bracket. We would still have to pay because even though we only get taxed on 65, you said we would be taxed. So we would have to be half of what we've paid.\n\nSo it'd be 25,000 each. We'd have to 25 to 30, we'd have to pay tax anyway even if we just put 65 each into the account. She said to wipe the capital gains altogether, we would have to put a 130 in each in our super, which is what she said. Yeah. So we still would be taxed, but it won't be as severe taxed as what we've had before.\n\nShe said the 65, she said, you won't be you even if you put 65 in the super, we'd still be taxed on the the 130 we have each. Like, the other 65, you wouldn't get the 50% offering like that, which is what she roughly said. Said behalf of what we pay now to the tax, we still would be paying unless you put the whole 130 in. Which my husband doesn't really wanna put the 130 in to see because we won't be able to get it out until we retire. Yeah.\n\nAnd because we wanted to make sure that we bring I sort of don't have a mortgage either, so I wanted to bring that down. So yeah. So that's where he's at. Is it as well? You know what I mean?\n\nLike, it's it's just so hard confusing when you get money. It's just that it's a big call. Yeah. That's difficult in discarding what we're gonna do. But yeah.\n\nSo we're still sort of niggling it all out because he's, like, thinking of what we have to pay on our interest on our mortgage as well. If we don't have the money in there, is it, like, we'd be paying anyway that amount? Yeah. Yeah. I know.\n\nSee, that's what he said. So we still would be paying the 25,000 ish to the tax. We still be paying and that leaves it on a 170 in that mortgage, which I think ended up being 70, I think he worked out. 70,000, 77,000 interest we'd be paying on top of that. So it wouldn't be worth it because, like, we're only paying 25 to the tax you know, we're not gonna get it back.\n\nBut we'd be paying more in that interest on our loan over the period of time. I think you put ten years six to ten years on that. So that's how he's worked it. Yeah. So he said, oh, is it worth it if we just pay the 25 or we pay the 60, and then we're we're paying roughly what we've been paying in interest extra on our mortgage instead of bringing our principal down now with what we've got.\n\nDoes that make sense? I know the way he explained it. Yeah. Yeah. Yes.\n\nYes. Yeah. Well, that's what he's planning on doing. He's planning on just while the money's sitting in the offset, just hammering our principal for the next five years to bring that down to zero. So the money that's sitting in the offset is worth $3.40.\n\nAnd that's when we've got 340,000 sitting there in six years if we're now and tighten our belts and pay that mortgage off why we don't have to pay interest. Thinking. And then and just paying the tax bill because we're saving money on paying our interest on the mortgage while we're trying to slam everything else down and doing it that way. Even though we lose 60 but we save x amount because we're not paying interest. Yeah.\n\nYeah. Yeah. And that's what he yeah. Yeah. Yeah.\n\nSo that's what we're looking at now. Like, we've got it in, like, three or four different ways. If we just pack it all in the mortgage and done that, then we've got a lot more principal or equity in the house without having to pay a mortgage and would have extra money to pop back into savings of training into debt and start building that offset account back up. Or do we just do some to the into our super and then pay less on the a the capital gains? How much you're paying on interest on that?\n\nAnd we've also got the one where we're not just paying the tax off, keeping the money in the offset account, and just hammering our principal down. So there are three options three or four options that we're looking at. Yep. It'll be $3.40, I think. It was $3.40.\n\nWe'll have ask you for your net payment tax. It'll be $3.40 is what we have left. And that leads to 35 37,000 that interest will be paid on because we have less in our offset account than what we're doing in our mortgage repay like, our mortgage debt. Mhmm. Yeah.\n\nYeah. Yeah. Yep. Yeah. Yeah.\n\nYeah. That's what we thought of because I think it it allows us. We've got 37,000. Like I said, that is flexible. Like, that's to bring us ever without mortgage.\n\nIt'll be that 37,000 to let bring us level with the mortgage so we still have to pay interest and then just hammer out our mortgage off. So, yeah, we do have the 37. We probably do, like you say, I would do the installments with the tax office or put that in the super. We'll work it all out. But, yeah, I would definitely let you know about that one.\n\nNo. Yeah. Alright. Thank you for that. Yeah.\n\nYeah. Yeah. It's just just not knowing which is the right path to choose. Like, it should be my husband's just all numbers and, you know, he doesn't he wants to make it the best one we've done is save us a little bit of your money over the whole period of time that everything's in our super bug. I've been saving your super you're gonna be incurring interest on or whatever you've put our money into, you've got more there to put into, so we're gonna get more back.\n\nSo we will be yeah. We've got growth there. So we're gonna have even though we lose it short term, long term, we'll have that extra money to build on, and it's gonna be give us pretty bigger gains than what we would just put in the way we are. So that was the other consideration was that there's all money to put out there to bring back in. I mean, also yeah.\n\nWell, but Yes. Yeah. That's it. So that was the other thing. So that I have to I said, do you have to learn think about the long term, like, in ten years for me anyway before I can get that money back.\n\nThat tend it's still gonna be growing anyway. It's gonna be gaining money or interest, whatever we you know, from the stock market. The growth from that will be coming in as well. Alright. For the long term, so when we file, we'll have a big amount of money sitting there anyway, and we can probably use it then to pay off the mortgage we've got now if we don't sell between now and then.\n\nHow do you do that? How do you shift it? Oh, okay. Fair enough. The others and then the other one's got nothing on it, and the other one's got the full debt.\n\nIs that how it works? Okay. Fair enough. I didn't think of that one. Yeah.\n\nYes. Yeah. Yeah. Yeah. That's right.\n\nAlright. Cool. That that yeah. Yeah. Thanks for that.\n\nJust another headache. No. That's all good. Yeah. Cool.\n\nYep. Yep. Oh, that was months ago. Okay. Because I'm thinking I didn't have a conversation.\n\nYeah. Because I'm thinking I didn't get a conversation with them. I just spoke to to Jordan. I thought now I'm thinking yeah. Because she was actually affected because she knew about everything.\n\nI'm thinking, no. It can't be that. And then I'm thinking, well, why is that one? I'm thinking, oh, I'm a little confused. So that all good.\n\nThank you for verifying that with me. Yeah. That's fine. That that it'll just be I'll stick to your email if I've got any questions or any worry. Probably won't be that often.\n\nIt'll just be when you'll be able to make a decision. If you were a text saying or an email saying, we've decided to do this so you know you're in the loop and where we're where we're at with that extra money and stuff like that. And then it'll be working out what we're gonna do to because I do want another financial another investment just up our sleeve just to long term. As long as it's sort of paying itself off and doing a little bit for me, we do have to incur a few months there or weeks where it's out of rental or whatever, then which I can't see it being a problem since we're so short over here. But yeah.\n\nJust to make sure we we have the finance to do that as well because I don't I'm sort of hesitant. It doesn't work to leave myself short either. I've gotta be able to yeah. Go outside of my my means. But yeah.\n\nAll good. Alright. Thank you so much for giving me a callback. We're returning your time today. Yeah.\n\nNo. That's helped me a lot. I'll I'll do that email, go to the first one, and do the temporary password on that before it expires. I'll fix that today. Alright.\n\nCool. Alright. Thank you so much. I really appreciate that. No.\n\nHe's he's off and he's going to the line somewhere at the moment. He was already on Friday with all the questions, but today he's lost he's just not he's day off. He said that. Yeah. He's done.\n\nYeah. He's like, no. I don't know what to think. He's gotta come and think I'm not not and just put his hands up. I said, okay.\n\nWell, there's no point in even dragging him in on the conversation because yeah. Yeah. Cool. Alright. That'd be great.\n\nThank you so much, Lisa. I appreciate that, and I will be hearing from you or you're hearing from me shortly. Okay. Thanks, Lisa. Alright.\n\nCheers. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.88,"end":1.38,"sentiment":"neutral","sentiment_score":0.02803432196378708},{"text":"I'm good.","start":11.92,"end":12.4,"sentiment":"positive","sentiment_score":0.5512121319770813},{"text":"Thank you.","start":12.4,"end":12.96,"sentiment":"positive","sentiment_score":0.6788395345211029},{"text":"Good.","start":12.96,"end":13.46,"sentiment":"positive","sentiment_score":0.5871502161026001},{"text":"Yeah.","start":19.775,"end":20.095001,"sentiment":"neutral","sentiment_score":-0.05557555705308914}],"sentiment":"positive","sentiment_score":0.4313874734299524,"num_words":7,"start":0.88,"end":20.095001},{"sentences":[{"text":"I'm surprised it's a public holiday.","start":20.095001,"end":22.255001,"sentiment":"neutral","sentiment_score":-0.2824293275674184},{"text":"I'm on Friday, I have to be hung up.","start":22.255001,"end":23.935001,"sentiment":"neutral","sentiment_score":-0.2844881945186191},{"text":"I said, oh my god.","start":23.935001,"end":24.654999,"sentiment":"neutral","sentiment_score":-0.23064972460269928},{"text":"It's public holiday on Monday.","start":24.654999,"end":26.675,"sentiment":"neutral","sentiment_score":-0.17827337086200715},{"text":"Oh, okay.","start":30.05,"end":30.69,"sentiment":"neutral","sentiment_score":-0.09411945194005966}],"sentiment":"neutral","sentiment_score":-0.24028978138058274,"num_words":27,"start":20.095001,"end":30.69},{"sentences":[{"text":"Fair enough.","start":30.69,"end":31.43,"sentiment":"neutral","sentiment_score":-0.13880141824483871},{"text":"Oh, okay.","start":44.325,"end":44.965,"sentiment":"neutral","sentiment_score":0.009603051468729973},{"text":"Fair enough.","start":44.965,"end":45.525,"sentiment":"neutral","sentiment_score":0.013572528026998043},{"text":"Yeah.","start":45.525,"end":45.765,"sentiment":"neutral","sentiment_score":0.0020777489989995956},{"text":"And I was probably apologizing with the stress.","start":45.765,"end":47.925,"sentiment":"neutral","sentiment_score":-0.18692681333050132}],"sentiment":"neutral","sentiment_score":-0.11497256234288215,"num_words":15,"start":30.69,"end":47.925},{"sentences":[{"text":"Also, it must have been over there as well.","start":47.925,"end":49.685,"sentiment":"neutral","sentiment_score":-0.130600791838434},{"text":"So it's kinda like I think oh, good.","start":49.685,"end":52.905,"sentiment":"neutral","sentiment_score":-0.06273378152400255},{"text":"Bye.","start":52.92,"end":53.42,"sentiment":"neutral","sentiment_score":0.0365438275039196},{"text":"No worries.","start":54.679996,"end":55.5,"sentiment":"neutral","sentiment_score":-0.02782156877219677},{"text":"Yeah.","start":56.28,"end":56.78,"sentiment":"neutral","sentiment_score":0.013663213700056076}],"sentiment":"neutral","sentiment_score":-0.08012921309896878,"num_words":21,"start":47.925,"end":56.78},{"sentences":[{"text":"Good.","start":58.679996,"end":59.179996,"sentiment":"neutral","sentiment_score":0.09644630551338196},{"text":"Yeah.","start":66.245,"end":66.485,"sentiment":"neutral","sentiment_score":0.04618864506483078},{"text":"It's Michelle Mcdars in the code.","start":66.485,"end":68.165,"sentiment":"neutral","sentiment_score":0.040015570198496185},{"text":"25th Of 974 in Fort Upper Court, Motorvale.","start":68.165,"end":71.305,"sentiment":"neutral","sentiment_score":0.036122542805969715},{"text":"Yeah.","start":82.07,"end":82.39,"sentiment":"neutral","sentiment_score":0.025006040930747982}],"sentiment":"neutral","sentiment_score":0.040983220891040915,"num_words":17,"start":58.679996,"end":82.39},{"sentences":[{"text":"And yeah.","start":82.39,"end":84.229996,"sentiment":"neutral","sentiment_score":0.024564972147345543},{"text":"And Troy, just just to go over a few little things, that was all.","start":84.229996,"end":88.09,"sentiment":"neutral","sentiment_score":0.02778879094070622},{"text":"By the way, I with the welcome call I got on Friday, she sent me paperwork or email through, but it came through as peak Pinnacle, I think it was, financial.","start":89.51,"end":100.875,"sentiment":"neutral","sentiment_score":0.0302284371348158},{"text":"Is it you guys all linked together or because the emails I've got, like, for the new login for super and stuff come up with peak clinical.","start":103.575,"end":114.509995,"sentiment":"neutral","sentiment_score":0.017129848711192608},{"text":"Does that make sense?","start":114.97,"end":116.03,"sentiment":"neutral","sentiment_score":0.021817805245518684}],"sentiment":"neutral","sentiment_score":0.02467989365164286,"num_words":78,"start":82.39,"end":116.03},{"sentences":[{"text":"So you're with OPU.","start":116.09,"end":117.45,"sentiment":"neutral","sentiment_score":0.0075626615434885025},{"text":"Yeah?","start":117.45,"end":117.95,"sentiment":"neutral","sentiment_score":0.00907555129379034},{"text":"Which is who we're going through?","start":118.09,"end":119.95,"sentiment":"neutral","sentiment_score":-0.004791307573517163},{"text":"Yeah.","start":127.055,"end":127.455,"sentiment":"neutral","sentiment_score":0.0041448697447776794},{"text":"Yeah.","start":127.455,"end":127.775,"sentiment":"neutral","sentiment_score":-0.0005183792673051357}],"sentiment":"neutral","sentiment_score":0.001092680192624147,"num_words":13,"start":116.09,"end":127.775},{"sentences":[{"text":"I can't.","start":127.775,"end":128.255,"sentiment":"neutral","sentiment_score":-0.27630460262298584},{"text":"Because I I just because I thought it's it's okay that I'm going through, and then I was like, I've been panicking all weekend.","start":128.255,"end":133.955,"sentiment":"neutral","sentiment_score":-0.2578191567833225},{"text":"So, yeah, I just wanted to know.","start":136.19,"end":137.95,"sentiment":"neutral","sentiment_score":0.08017251534121377},{"text":"And she's the one I spoke to on Friday, obviously, to book this in for you today, and I was waiting to hear back because she did ring me today.","start":137.95,"end":145.17,"sentiment":"neutral","sentiment_score":0.056530815362930295},{"text":"So yeah.","start":146.91,"end":147.71,"sentiment":"neutral","sentiment_score":0.06800492480397224}],"sentiment":"neutral","sentiment_score":-0.06687887769479017,"num_words":65,"start":127.775,"end":147.71},{"sentences":[{"text":"Because I I just got, like, these North online temporary password, I think it was.","start":147.71,"end":156.725,"sentiment":"neutral","sentiment_score":0.060103501503666244},{"text":"Let's see.","start":157.185,"end":158.005,"sentiment":"neutral","sentiment_score":0.07538692280650139},{"text":"Is that is that right, though?","start":158.065,"end":159.425,"sentiment":"neutral","sentiment_score":0.07621530070900917},{"text":"North @amp.com dot e.","start":159.425,"end":161.665,"sentiment":"neutral","sentiment_score":0.03807569667696953},{"text":"That is u guys?","start":161.665,"end":162.6,"sentiment":"neutral","sentiment_score":0.03884914517402649}],"sentiment":"neutral","sentiment_score":0.05862314644600115,"num_words":31,"start":147.71,"end":162.6},{"sentences":[{"text":"Sorry.","start":180.255,"end":180.57501,"sentiment":"neutral","sentiment_score":-0.003894846886396408},{"text":"I just gotta find it.","start":180.57501,"end":181.875,"sentiment":"neutral","sentiment_score":-0.06139078140258789},{"text":"Peak Financial Peak Pinnacle Financial Limited.","start":185.77501,"end":189.55501,"sentiment":"neutral","sentiment_score":0.10599807525674503},{"text":"I got one as well.","start":192.35,"end":193.65001,"sentiment":"neutral","sentiment_score":0.15267347991466523},{"text":"And I'm pretty sure they came in straight after she sort of said to me, I'll send you an email through.","start":193.71,"end":198.21,"sentiment":"neutral","sentiment_score":0.047077699431351254}],"sentiment":"neutral","sentiment_score":0.054661546980864124,"num_words":38,"start":180.255,"end":198.21},{"sentences":[{"text":"Because Peaks, I think, is who Troy goes through, but it's in my name.","start":199.87001,"end":203.07,"sentiment":"neutral","sentiment_score":0.011630345601588488},{"text":"And they're the ones that, well, when I spoke to Fabio, the or the first time with this went around a cup a month or two ago that they couldn't help me.","start":203.07,"end":209.935,"sentiment":"neutral","sentiment_score":-0.07277842605253682},{"text":"So I thought, oh, whatever.","start":209.935,"end":211.055,"sentiment":"neutral","sentiment_score":-0.07295674532651901},{"text":"And then you guys come back and said you could do it with a benefit than staying with Hester.","start":211.055,"end":216.915,"sentiment":"neutral","sentiment_score":0.007943369644252877},{"text":"So yeah.","start":217.52,"end":219.44,"sentiment":"neutral","sentiment_score":0.03469860553741455}],"sentiment":"neutral","sentiment_score":-0.03209093454966529,"num_words":72,"start":199.87001,"end":219.44},{"sentences":[{"text":"Yeah.","start":219.44,"end":219.84,"sentiment":"neutral","sentiment_score":0.0276566781103611},{"text":"So think financial services.","start":219.84,"end":221.37999,"sentiment":"neutral","sentiment_score":0.023088906425982714},{"text":"Yeah.","start":228.16,"end":228.48,"sentiment":"neutral","sentiment_score":0.08009865134954453},{"text":"I can.","start":228.48,"end":229.22,"sentiment":"neutral","sentiment_score":0.08070728927850723},{"text":"It came with two yeah.","start":234.295,"end":238.295,"sentiment":"neutral","sentiment_score":0.04213501438498497}],"sentiment":"neutral","sentiment_score":0.044015431203521214,"num_words":13,"start":219.44,"end":238.295},{"sentences":[{"text":"So I I I just wasn't sure what was going on because I'm pretty sure that you guys going with you guys and sort of paperwork for you.","start":238.295,"end":245.19499,"sentiment":"neutral","sentiment_score":0.0013636100505079543},{"text":"And Hester sent me confirmation that you've taken the money already.","start":245.49,"end":248.53,"sentiment":"neutral","sentiment_score":0.11766313219612295},{"text":"And I then thought, oh my god.","start":248.53,"end":249.73,"sentiment":"neutral","sentiment_score":-0.133179386811597},{"text":"What have I done?","start":249.73,"end":250.61,"sentiment":"neutral","sentiment_score":-0.14559465274214745},{"text":"So I thought you're reviewing today.","start":250.61,"end":251.81,"sentiment":"neutral","sentiment_score":-0.029338610358536243}],"sentiment":"neutral","sentiment_score":-0.006396257950525198,"num_words":56,"start":238.295,"end":251.81},{"sentences":[{"text":"I said, no.","start":251.81,"end":252.53,"sentiment":"neutral","sentiment_score":-0.1333194151520729},{"text":"That's good then.","start":252.53,"end":253.25,"sentiment":"neutral","sentiment_score":0.2328662077585856},{"text":"It was like, I'm not being you know, just having, like, a peak freak.","start":253.25,"end":257.75,"sentiment":"neutral","sentiment_score":-0.08623002230056695},{"text":"Okay.","start":263.355,"end":263.755,"sentiment":"neutral","sentiment_score":0.2509419620037079},{"text":"That'd be good.","start":263.755,"end":264.315,"sentiment":"positive","sentiment_score":0.40671418110529584}],"sentiment":"neutral","sentiment_score":0.02343769045546651,"num_words":24,"start":251.81,"end":264.315},{"sentences":[{"text":"Yeah.","start":264.315,"end":264.475,"sentiment":"neutral","sentiment_score":0.11785270273685455},{"text":"Because I don't know if because the super team, if that was because it's under that group, and then I'm not not sure if it's just like an extended thing.","start":264.475,"end":273.135,"sentiment":"neutral","sentiment_score":-0.02164111059779922},{"text":"But yeah.","start":274.81998,"end":275.63998,"sentiment":"neutral","sentiment_score":-0.03083860781043768},{"text":"And I didn't get to I didn't think to ask what the email come through, what group I'd if it's not on the overview, what it was to log in and do all that stuff.","start":276.25998,"end":285.315,"sentiment":"neutral","sentiment_score":-0.04620045678956168},{"text":"So I because we got product holiday out, but I was just gonna do it tomorrow or Wednesday, get it on and log it all in and stuff like that.","start":286.275,"end":292.195,"sentiment":"neutral","sentiment_score":0.09322986279924711}],"sentiment":"neutral","sentiment_score":0.0059879802604567035,"num_words":98,"start":264.315,"end":292.195},{"sentences":[{"text":"So Cool.","start":292.195,"end":299.09,"sentiment":"neutral","sentiment_score":0.27278507500886917},{"text":"Thank you for that.","start":299.09,"end":299.88998,"sentiment":"positive","sentiment_score":0.6468705981969833},{"text":"I was just waiting for your email to come through with that.","start":299.88998,"end":303.97,"sentiment":"neutral","sentiment_score":0.19119936786592007},{"text":"Yeah.","start":303.97,"end":304.21,"sentiment":"neutral","sentiment_score":0.06082100793719292},{"text":"Because I just thought, oh my god.","start":304.21,"end":305.65,"sentiment":"neutral","sentiment_score":0.018614590167999268}],"sentiment":"neutral","sentiment_score":0.21609877293499616,"num_words":26,"start":292.195,"end":305.65},{"sentences":[{"text":"Okay.","start":305.65,"end":306.05,"sentiment":"neutral","sentiment_score":0.015805326402187347},{"text":"Is it north at AMP?","start":306.05,"end":307.49,"sentiment":"neutral","sentiment_score":-0.0008268235251307487},{"text":"I don't know if that's just it says super, but it was the person I'm speaking to.","start":307.49,"end":310.87,"sentiment":"neutral","sentiment_score":-0.02381414996788782},{"text":"It just all happened then, like because I said Pete had rang me as well and a lot I don't know who it was.","start":312.345,"end":317.965,"sentiment":"neutral","sentiment_score":-0.02009627843896548},{"text":"She said it was a welcome message, welcome to, which is what you said when I spoken to you this Friday.","start":318.025,"end":324.60498,"sentiment":"neutral","sentiment_score":0.12794555067306473}],"sentiment":"neutral","sentiment_score":0.026637890307671008,"num_words":68,"start":305.65,"end":324.60498},{"sentences":[{"text":"Then I got the pink peak pinnacle come through.","start":324.66498,"end":327.19,"sentiment":"neutral","sentiment_score":0.055030334326956004},{"text":"I was thinking, oh, what's going on?","start":327.19,"end":328.81,"sentiment":"neutral","sentiment_score":-0.008117832775626863},{"text":"Anyway yeah.","start":331.35,"end":332.15,"sentiment":"neutral","sentiment_score":0.02252547349780798},{"text":"So we have been to see our tax accountant last week, and she said what they do is they they take it on the whole amount of a 130, and then that gets divided into two because you get 50 percent off.","start":332.15,"end":349.715,"sentiment":"neutral","sentiment_score":0.05472135095901433},{"text":"Yeah.","start":349.715,"end":350.215,"sentiment":"neutral","sentiment_score":0.029820315539836884}],"sentiment":"neutral","sentiment_score":0.04609206856274214,"num_words":61,"start":324.66498,"end":350.215},{"sentences":[{"text":"It's left at 65.","start":350.355,"end":351.87,"sentiment":"neutral","sentiment_score":0.010376054793596268},{"text":"But it looked like that we needed she said to cover estimate would be roughly 55 to 60,000 for tax.","start":352.27,"end":359.81,"sentiment":"neutral","sentiment_score":-0.014155216701328754},{"text":"If we did the 65% into super, it would still bring us down to half of that.","start":360.27,"end":367.725,"sentiment":"neutral","sentiment_score":0.12417361841482275},{"text":"So instead of being 30,000 each, it'll be 16,000 each.","start":367.725,"end":371.08502,"sentiment":"neutral","sentiment_score":0.06042281836271286},{"text":"We'd still have to pay capital gains.","start":371.08502,"end":373.105,"sentiment":"neutral","sentiment_score":0.01977111558829035}],"sentiment":"neutral","sentiment_score":0.04503409294732686,"num_words":58,"start":350.355,"end":373.105},{"sentences":[{"text":"But on the losing side of that is that it takes more out of our we'd have to pay more on our mortgage anyway over the six to whatever.","start":374.045,"end":382.35,"sentiment":"neutral","sentiment_score":-0.31023010714300747},{"text":"I think we couldn't redraw that out.","start":382.35,"end":383.87,"sentiment":"neutral","sentiment_score":-0.23806287135396684},{"text":"Is that right?","start":383.87,"end":384.27002,"sentiment":"neutral","sentiment_score":-0.06473146254817645},{"text":"We can't redraw the 60,000 out or 65 out until we retire.","start":384.27002,"end":388.05002,"sentiment":"neutral","sentiment_score":-0.1658089061578115},{"text":"Is that right?","start":389.71,"end":390.69,"sentiment":"neutral","sentiment_score":-0.00970095582306385}],"sentiment":"neutral","sentiment_score":-0.23844661732652672,"num_words":54,"start":374.045,"end":390.69},{"sentences":[{"text":"Yeah.","start":393.71,"end":394.035,"sentiment":"neutral","sentiment_score":-0.022825032472610474},{"text":"Yeah.","start":398.67502,"end":398.835,"sentiment":"neutral","sentiment_score":0.0003596171736717224},{"text":"Yeah.","start":398.835,"end":399.335,"sentiment":"neutral","sentiment_score":0.0008989274501800537},{"text":"Yeah.","start":418.75,"end":419.25,"sentiment":"neutral","sentiment_score":0.07368203997612},{"text":"Yeah.","start":419.71,"end":420.075,"sentiment":"neutral","sentiment_score":0.12065619975328444}],"sentiment":"neutral","sentiment_score":0.03455435037612915,"num_words":5,"start":393.71,"end":420.075},{"sentences":[{"text":"Because I think it worked out.","start":420.39502,"end":421.27502,"sentiment":"neutral","sentiment_score":0.2930600345134735},{"text":"It was gonna cost if we kept the money in the offset account to pay our principal down.","start":421.27502,"end":427.135,"sentiment":"neutral","sentiment_score":0.11489999749594265},{"text":"Well, we still have I think we end up paying 90,000 in interest over that period of time or a bit more.","start":427.515,"end":436.7,"sentiment":"neutral","sentiment_score":0.022565608844161034},{"text":"So, you know, my husband said, well, we probably better off paying the tax guy and saving the $90 and then just I don't know.","start":437.4,"end":443.0,"sentiment":"neutral","sentiment_score":-0.13035586036741734},{"text":"He said he'd talk to you.","start":443.0,"end":444.04,"sentiment":"neutral","sentiment_score":-0.06549892326196034}],"sentiment":"neutral","sentiment_score":0.008715759841846181,"num_words":77,"start":420.39502,"end":444.04},{"sentences":[{"text":"I just gotta find him at the moment.","start":444.04,"end":445.74,"sentiment":"neutral","sentiment_score":-0.10106670763343573},{"text":"Just walk away.","start":446.2,"end":446.86,"sentiment":"neutral","sentiment_score":-0.10567167401313782},{"text":"Yeah.","start":447.72,"end":448.22,"sentiment":"neutral","sentiment_score":-0.04632134735584259},{"text":"Yeah.","start":448.995,"end":449.315,"sentiment":"neutral","sentiment_score":-0.03609433025121689},{"text":"So yeah.","start":449.315,"end":450.915,"sentiment":"neutral","sentiment_score":-0.037828968837857246}],"sentiment":"neutral","sentiment_score":-0.08557481989264488,"num_words":15,"start":444.04,"end":450.915},{"sentences":[{"text":"So we still haven't decided what is the best way to go about that for the capital gains.","start":450.915,"end":457.57498,"sentiment":"neutral","sentiment_score":-0.08990880039831002},{"text":"So we're still sitting on it.","start":460.035,"end":461.735,"sentiment":"neutral","sentiment_score":-0.019840942074855168},{"text":"But I think he had a couple of questions.","start":461.79498,"end":463.57498,"sentiment":"neutral","sentiment_score":-0.002318368810746405},{"text":"I hope that's fine.","start":463.74,"end":464.78,"sentiment":"neutral","sentiment_score":0.06173691991716623},{"text":"Give me a second.","start":464.78,"end":465.59998,"sentiment":"neutral","sentiment_score":-0.01761844800785184}],"sentiment":"neutral","sentiment_score":-0.03858037783605296,"num_words":41,"start":450.915,"end":465.59998},{"sentences":[{"text":"I've got this lady on the financial services.","start":474.78,"end":476.74,"sentiment":"neutral","sentiment_score":0.041023626923561096},{"text":"It's got me on Friday.","start":476.74,"end":478.08,"sentiment":"neutral","sentiment_score":0.024167047813534737},{"text":"The guy lady we talked to on Friday.","start":478.88498,"end":480.745,"sentiment":"neutral","sentiment_score":0.0014244159683585167},{"text":"He's just getting dressed.","start":484.405,"end":485.525,"sentiment":"neutral","sentiment_score":-0.015176824294030666},{"text":"Sorry.","start":485.525,"end":486.025,"sentiment":"neutral","sentiment_score":-0.03062744066119194}],"sentiment":"neutral","sentiment_score":0.014195570937142922,"num_words":26,"start":474.78,"end":486.025},{"sentences":[{"text":"Yeah.","start":489.685,"end":490.185,"sentiment":"neutral","sentiment_score":0.08068318665027618},{"text":"So yeah.","start":490.32498,"end":492.10498,"sentiment":"neutral","sentiment_score":0.050860149785876274},{"text":"Anyway yeah.","start":494.96002,"end":497.2,"sentiment":"neutral","sentiment_score":0.01892999280244112},{"text":"So we haven't quite decided what we we do with that regarding that.","start":497.2,"end":502.48,"sentiment":"neutral","sentiment_score":-0.10921610261385258},{"text":"So I know we've only got a few a few a week or two to decide.","start":502.48,"end":506.18002,"sentiment":"neutral","sentiment_score":-0.14830731227993965}],"sentiment":"neutral","sentiment_score":-0.10507243701859433,"num_words":34,"start":489.685,"end":506.18002},{"sentences":[{"text":"Yeah.","start":514.715,"end":515.215,"sentiment":"neutral","sentiment_score":-0.056647054851055145},{"text":"Yes.","start":530.08,"end":530.58,"sentiment":"neutral","sentiment_score":-0.02477886900305748},{"text":"Yes.","start":532.96,"end":533.46,"sentiment":"neutral","sentiment_score":-0.03927367180585861},{"text":"Yes.","start":548.41504,"end":548.7,"sentiment":"neutral","sentiment_score":-0.04919099435210228},{"text":"Done.","start":559.74,"end":559.98004,"sentiment":"neutral","sentiment_score":-0.008122759871184826}],"sentiment":"neutral","sentiment_score":-0.035602669976651666,"num_words":5,"start":514.715,"end":559.98004},{"sentences":[{"text":"Yeah.","start":559.98004,"end":560.46,"sentiment":"neutral","sentiment_score":0.05048449337482453},{"text":"Fair enough.","start":560.46,"end":561.02,"sentiment":"neutral","sentiment_score":0.07272730395197868},{"text":"Well, yeah, they would definitely make a decision before then regarding that.","start":561.02,"end":565.385,"sentiment":"neutral","sentiment_score":0.049287878132114805},{"text":"Alright.","start":566.725,"end":567.225,"sentiment":"neutral","sentiment_score":0.0019810039084404707},{"text":"Oh, my head's gone blank.","start":569.285,"end":570.58496,"sentiment":"neutral","sentiment_score":-0.27515083849430083}],"sentiment":"neutral","sentiment_score":-0.02792283569994782,"num_words":21,"start":559.98004,"end":570.58496},{"sentences":[{"text":"There was a couple of things I was gonna ask you.","start":571.845,"end":574.005,"sentiment":"neutral","sentiment_score":-0.16126581213691019},{"text":"So when I spoke to a lady on Friday, I said that you said I didn't have to change my contribution that my employer do into I stayed in Hester.","start":574.005,"end":584.47,"sentiment":"neutral","sentiment_score":-0.096194747214516},{"text":"She didn't know that.","start":584.61,"end":585.41,"sentiment":"neutral","sentiment_score":-0.10542964562773705},{"text":"And I said, oh, look.","start":585.41,"end":586.20996,"sentiment":"neutral","sentiment_score":-0.07381783276796341},{"text":"I just wanted to make sure that was confirmed, that I don't have to change.","start":586.20996,"end":590.14996,"sentiment":"neutral","sentiment_score":-0.13649385422468185}],"sentiment":"neutral","sentiment_score":-0.1153535678409613,"num_words":65,"start":571.845,"end":590.14996},{"sentences":[{"text":"It still goes in there.","start":590.20996,"end":591.585,"sentiment":"neutral","sentiment_score":-0.2268709808588028},{"text":"Yeah.","start":594.705,"end":595.10504,"sentiment":"neutral","sentiment_score":0.09973512589931488},{"text":"Cool.","start":595.10504,"end":595.505,"sentiment":"neutral","sentiment_score":0.20428627729415896},{"text":"Alright.","start":595.505,"end":596.005,"sentiment":"neutral","sentiment_score":0.13077375292778015},{"text":"No worries.","start":596.22504,"end":596.705,"sentiment":"neutral","sentiment_score":0.08295889012515545}],"sentiment":"neutral","sentiment_score":-0.05336419679224491,"num_words":10,"start":590.20996,"end":596.705},{"sentences":[{"text":"And if I decide to not put the money into the Hester into the super.","start":596.705,"end":606.56,"sentiment":"neutral","sentiment_score":-0.12693102061748504},{"text":"Yeah.","start":607.66003,"end":608.16003,"sentiment":"neutral","sentiment_score":-0.013507835566997528},{"text":"Can I still get advice on if we wanna do it, like, the broker?","start":608.3,"end":611.02,"sentiment":"neutral","sentiment_score":0.0807527271764619},{"text":"Like, you said you could help us with brokers if we decide to use the house of equity to then go and because I think we're probably gonna sort of leaning to just leaving the money in the offset account trying to bring our principal down and using that money in the offset account as savings for when, like, in if we leave it there and just keep using it to pay off principal.","start":611.02,"end":630.105,"sentiment":"neutral","sentiment_score":0.11639344380111308},{"text":"So they then when we do sort of semi retired, we'll have a lump sum money there to then pop back into super and then use or whatever we decide to do at that point in time at this stage.","start":631.2,"end":642.72,"sentiment":"neutral","sentiment_score":0.07773323371075094}],"sentiment":"neutral","sentiment_score":0.07594103628717777,"num_words":144,"start":596.705,"end":642.72},{"sentences":[{"text":"Because at the moment, we have to pay the capital gains that leaves us with only 37 left in our mortgage to pay that we'd actually be interest on anyway, which wouldn't be that much if we start pumping money into the principal and bring it down really quickly in the next five years, get back to sort of if we're paying $500 a week into it each to bring that down.","start":642.72,"end":666.41003,"sentiment":"neutral","sentiment_score":-0.02802310545100934},{"text":"So that's what we're sort of roughly looking at at this stage of doing.","start":667.75,"end":672.185,"sentiment":"neutral","sentiment_score":0.06644029862114362},{"text":"But we do still wanna buy an apartment or a townhouse of some sort to sort of look at in as a retirement down the track.","start":672.72504,"end":684.15,"sentiment":"neutral","sentiment_score":0.19770899357704017},{"text":"So would we I can call you for to get like, you said you had a broker on board.","start":684.47003,"end":689.43005,"sentiment":"neutral","sentiment_score":0.12112924182101299},{"text":"Is that does that come by through you?","start":689.43005,"end":692.33,"sentiment":"neutral","sentiment_score":0.0888758385553956}],"sentiment":"neutral","sentiment_score":0.050830192260926575,"num_words":139,"start":642.72,"end":692.33},{"sentences":[{"text":"Yeah.","start":698.31,"end":698.655,"sentiment":"neutral","sentiment_score":0.1053530126810074},{"text":"Yep.","start":704.575,"end":705.075,"sentiment":"neutral","sentiment_score":0.08958637714385986},{"text":"Yeah.","start":719.87,"end":720.37,"sentiment":"neutral","sentiment_score":0.18304947018623352},{"text":"Yeah.","start":729.605,"end":729.925,"sentiment":"neutral","sentiment_score":0.3304111063480377},{"text":"That would be wonderful.","start":729.925,"end":730.885,"sentiment":"positive","sentiment_score":0.6396887302398682}],"sentiment":"positive","sentiment_score":0.4083943609148264,"num_words":8,"start":698.31,"end":730.885},{"sentences":[{"text":"Just to go that yeah.","start":730.885,"end":732.005,"sentiment":"neutral","sentiment_score":0.3174301743507385},{"text":"That would be wonderful.","start":732.005,"end":732.985,"sentiment":"positive","sentiment_score":0.7068111747503281},{"text":"I still haven't got that email through.","start":733.365,"end":734.64496,"sentiment":"neutral","sentiment_score":-0.09146944539887565},{"text":"Hang on.","start":734.64496,"end":734.885,"sentiment":"neutral","sentiment_score":-0.14096596091985703},{"text":"Let me go and see.","start":734.885,"end":735.605,"sentiment":"neutral","sentiment_score":-0.08084850311279297}],"sentiment":"neutral","sentiment_score":0.13425804415474768,"num_words":23,"start":730.885,"end":735.605},{"sentences":[{"text":"I've been getting a lot of going through spam lately.","start":735.605,"end":737.705,"sentiment":"negative","sentiment_score":-0.4044555574655533},{"text":"Oh, there it is.","start":737.845,"end":738.40497,"sentiment":"neutral","sentiment_score":-0.1880277842283249},{"text":"It's in spam.","start":738.40497,"end":739.225,"sentiment":"neutral","sentiment_score":-0.22024517258008322},{"text":"Yeah.","start":742.96,"end":743.28,"sentiment":"neutral","sentiment_score":0.017486482858657837},{"text":"Yeah.","start":743.28,"end":743.44,"sentiment":"neutral","sentiment_score":-0.009233525954186916}],"sentiment":"neutral","sentiment_score":-0.2867973301265585,"num_words":19,"start":735.605,"end":743.44},{"sentences":[{"text":"No.","start":743.44,"end":743.56,"sentiment":"neutral","sentiment_score":-0.2674463987350464},{"text":"I think I'm just looking keep looking at my phone, and I I've just had a hold of this email from my son with his stuff, and it's all going to spam because he said, I didn't receive any of it.","start":743.56,"end":752.08,"sentiment":"negative","sentiment_score":-0.39320100516807743},{"text":"Oh my god.","start":752.08,"end":752.98,"sentiment":"neutral","sentiment_score":-0.3194586435953776},{"text":"I just moved that into a different file.","start":754.155,"end":756.09503,"sentiment":"neutral","sentiment_score":-0.25191571563482285},{"text":"Okay.","start":757.275,"end":757.775,"sentiment":"neutral","sentiment_score":-0.08604513853788376}],"sentiment":"negative","sentiment_score":-0.3601561926857189,"num_words":54,"start":743.44,"end":757.775},{"sentences":[{"text":"Yeah.","start":757.835,"end":757.995,"sentiment":"neutral","sentiment_score":-0.07685383409261703},{"text":"Because I just I just got a bit like I said, I just got a bit of a heart attack over the weekend.","start":757.995,"end":762.655,"sentiment":"neutral","sentiment_score":-0.3188937941323156},{"text":"Alright.","start":765.195,"end":765.515,"sentiment":"neutral","sentiment_score":0.013404209166765211},{"text":"So if I for me, the point of call, like, if I wanna know about the super fund, I can contact you.","start":765.515,"end":773.95,"sentiment":"neutral","sentiment_score":0.04816070529208942},{"text":"Are you the one to my porta call, or do I just get any get anyone?","start":773.95,"end":777.97003,"sentiment":"neutral","sentiment_score":0.0008929711766541004}],"sentiment":"neutral","sentiment_score":-0.10038387039232821,"num_words":63,"start":757.835,"end":777.97003},{"sentences":[{"text":"Yeah.","start":788.565,"end":789.045,"sentiment":"neutral","sentiment_score":-0.016305960714817047},{"text":"Oh, no.","start":789.045,"end":789.365,"sentiment":"neutral","sentiment_score":-0.06198422610759735},{"text":"No.","start":789.365,"end":789.605,"sentiment":"neutral","sentiment_score":-0.111201673746109},{"text":"I I'd I'd make an appointment.","start":789.605,"end":790.885,"sentiment":"neutral","sentiment_score":-0.1030013511578242},{"text":"I wouldn't just harass you on the phone like that.","start":790.885,"end":793.205,"sentiment":"neutral","sentiment_score":-0.0897321917116642}],"sentiment":"neutral","sentiment_score":-0.0883403055369854,"num_words":20,"start":788.565,"end":793.205},{"sentences":[{"text":"I wouldn't do that.","start":793.205,"end":793.765,"sentiment":"neutral","sentiment_score":-0.20360975712537766},{"text":"I would just be like because I'll make an appointment in a week or two for this date to have a talk about any concerns or I can't log on.","start":793.765,"end":805.98,"sentiment":"neutral","sentiment_score":0.055688524059951304},{"text":"Yeah.","start":805.98,"end":806.38,"sentiment":"neutral","sentiment_score":0.09930622577667236},{"text":"Cool.","start":806.38,"end":806.88,"sentiment":"positive","sentiment_score":0.37414687871932983},{"text":"Yes.","start":819.085,"end":819.585,"sentiment":"positive","sentiment_score":0.3710516691207886}],"sentiment":"neutral","sentiment_score":0.04596544505172485,"num_words":37,"start":793.205,"end":819.585},{"sentences":[{"text":"Yeah.","start":828.24,"end":828.74,"sentiment":"positive","sentiment_score":0.3946915864944458},{"text":"Oh, yeah.","start":828.88,"end":829.54,"sentiment":"neutral","sentiment_score":0.10446258634328842},{"text":"Yeah.","start":829.92,"end":830.16003,"sentiment":"neutral","sentiment_score":0.028120316565036777},{"text":"No.","start":830.16003,"end":830.4,"sentiment":"neutral","sentiment_score":-0.10339246690273284},{"text":"I wouldn't do that to you.","start":830.4,"end":831.36,"sentiment":"neutral","sentiment_score":-0.14431350926558176}],"sentiment":"neutral","sentiment_score":-0.030685131522742184,"num_words":11,"start":828.24,"end":831.36},{"sentences":[{"text":"I just yeah.","start":831.36,"end":832.08,"sentiment":"neutral","sentiment_score":-0.014353414376576742},{"text":"I just want to make sure that yeah.","start":832.08,"end":835.76,"sentiment":"neutral","sentiment_score":0.04612170532345772},{"text":"I've because like I said, it's all done over the phone.","start":835.76,"end":838.08,"sentiment":"neutral","sentiment_score":-0.010871745561334219},{"text":"It's very hard because you're not seeing in person.","start":838.08,"end":839.68,"sentiment":"neutral","sentiment_score":-0.20019237531556022},{"text":"You're not seeing it's all sort of, like, taking out the Internet and just getting all these emails, and I'm not very tech savvy.","start":839.68,"end":846.195,"sentiment":"neutral","sentiment_score":-0.20054930790017048}],"sentiment":"neutral","sentiment_score":-0.1165198285301978,"num_words":55,"start":831.36,"end":846.195},{"sentences":[{"text":"So Yeah.","start":847.055,"end":858.81,"sentiment":"neutral","sentiment_score":0.24370930343866348},{"text":"Cool.","start":858.81,"end":859.29,"sentiment":"positive","sentiment_score":0.574762225151062},{"text":"That yeah.","start":859.29,"end":860.25,"sentiment":"positive","sentiment_score":0.4976612478494644},{"text":"It's just bit of reassurance for me as well because then I know that I'm actually talking to someone on the other line, and I know that that it's a good sort of thing.","start":860.25,"end":869.945,"sentiment":"positive","sentiment_score":0.5626188604270711},{"text":"Sorry.","start":871.84503,"end":872.085,"sentiment":"neutral","sentiment_score":-0.0457296222448349}],"sentiment":"positive","sentiment_score":0.5285203740000725,"num_words":40,"start":847.055,"end":872.085},{"sentences":[{"text":"I'm just trying to forward this.","start":872.085,"end":874.405,"sentiment":"neutral","sentiment_score":-0.1272778113683065},{"text":"Oh my shit.","start":874.405,"end":875.30505,"sentiment":"neutral","sentiment_score":-0.30448352297147113},{"text":"Yeah.","start":878.16504,"end":878.645,"sentiment":"neutral","sentiment_score":0.02457363158464432},{"text":"It's I'm trying to forward, but every time I try to forward, your name doesn't come up.","start":878.645,"end":882.405,"sentiment":"neutral","sentiment_score":-0.12397467334042578},{"text":"So I can't, like, it doesn't automatically go to maybe if I do that.","start":882.405,"end":886.54004,"sentiment":"neutral","sentiment_score":-0.15244959720543452}],"sentiment":"neutral","sentiment_score":-0.1437660393464129,"num_words":41,"start":872.085,"end":886.54004},{"sentences":[{"text":"Yeah.","start":887.8,"end":888.2,"sentiment":"neutral","sentiment_score":-0.08654828369617462},{"text":"It just I said I'm not very tech savvy.","start":888.2,"end":891.82,"sentiment":"neutral","sentiment_score":-0.19226994034316805},{"text":"I'll forward this to you anyway because instead of going a bit confused.","start":893.08,"end":895.56,"sentiment":"neutral","sentiment_score":-0.09392024748600446},{"text":"And then I thought, she say the lady that spoke to me on Friday, this and that.","start":895.56,"end":899.025,"sentiment":"neutral","sentiment_score":-0.060311011093504285},{"text":"My husband said, well, I didn't actually catch what she said at the beginning.","start":899.025,"end":902.005,"sentiment":"neutral","sentiment_score":-0.08135898850326027}],"sentiment":"neutral","sentiment_score":-0.09633803688403633,"num_words":54,"start":887.8,"end":902.005},{"sentences":[{"text":"But I said she referred everything you had said to me prior to that.","start":902.78503,"end":906.145,"sentiment":"neutral","sentiment_score":-0.045076899363526275},{"text":"So, like, I wasn't that unsure, but it was just that I've got clinical and then I got the north, which I wanted to ask today if you rang, if that was the correct thing that I need to do.","start":906.145,"end":919.82996,"sentiment":"neutral","sentiment_score":-0.04625625491607934},{"text":"Yep.","start":926.065,"end":926.565,"sentiment":"neutral","sentiment_score":0.12410112470388412},{"text":"Yep.","start":946.00995,"end":946.50995,"sentiment":"neutral","sentiment_score":0.06128004193305969},{"text":"Yeah.","start":948.49,"end":948.97,"sentiment":"neutral","sentiment_score":0.03255421668291092}],"sentiment":"neutral","sentiment_score":-0.03970862113004714,"num_words":57,"start":902.78503,"end":948.97},{"sentences":[{"text":"I just I think I've only just received it.","start":948.97,"end":951.645,"sentiment":"neutral","sentiment_score":0.023774875120984182},{"text":"Yeah, this morning at 5AM.","start":955.325,"end":957.025,"sentiment":"neutral","sentiment_score":0.08726927936077118},{"text":"I got the temporary password, and the other one I got on the twenty fourth.","start":957.245,"end":962.22504,"sentiment":"neutral","sentiment_score":0.09738696018854777},{"text":"Because she said to me, wait till beginning of the week before they might to set up.","start":962.765,"end":968.45996,"sentiment":"neutral","sentiment_score":0.028130763922544086},{"text":"So yeah.","start":968.68,"end":970.19995,"sentiment":"neutral","sentiment_score":0.05085369758307934}],"sentiment":"neutral","sentiment_score":0.05606364703271538,"num_words":48,"start":948.97,"end":970.19995},{"sentences":[{"text":"So yep.","start":970.19995,"end":977.25995,"sentiment":"neutral","sentiment_score":0.05797258950769901},{"text":"Yeah.","start":987.295,"end":987.535,"sentiment":"neutral","sentiment_score":-0.00013821199536323547},{"text":"Yeah.","start":987.535,"end":988.035,"sentiment":"neutral","sentiment_score":-0.00002306513488292694},{"text":"So I see that she said right at the beginning of the week, and I thought today's probably holiday, but I will I will get on and do that just after I speak finish speaking to you.","start":988.33496,"end":995.16,"sentiment":"neutral","sentiment_score":-0.04845928994787706},{"text":"So I've just sent that email through to you because like I said, I got a bit confused in a bit.","start":996.51996,"end":1000.6,"sentiment":"neutral","sentiment_score":-0.28428045234509874}],"sentiment":"neutral","sentiment_score":-0.12334031170053829,"num_words":62,"start":970.19995,"end":1000.6},{"sentences":[{"text":"Okay.","start":1000.6,"end":1000.92,"sentiment":"neutral","sentiment_score":-0.20431262254714969},{"text":"Because I I think the company that ran me said no.","start":1000.92,"end":1004.83997,"sentiment":"negative","sentiment_score":-0.4130604240027341},{"text":"We can't help.","start":1004.83997,"end":1005.56,"sentiment":"negative","sentiment_score":-0.515596071879069},{"text":"And then, like, then Savio sort of said, oh, there is go through it again.","start":1005.56,"end":1009.915,"sentiment":"neutral","sentiment_score":-0.13625723570585252},{"text":"And you guys obviously said you could do make it beneficial to change over.","start":1009.915,"end":1015.615,"sentiment":"neutral","sentiment_score":0.0018360705247947148}],"sentiment":"neutral","sentiment_score":-0.18892997841943393,"num_words":44,"start":1000.6,"end":1015.615},{"sentences":[{"text":"So yeah.","start":1018.315,"end":1019.035,"sentiment":"neutral","sentiment_score":0.08383023180067539},{"text":"Yeah.","start":1019.035,"end":1019.435,"sentiment":"neutral","sentiment_score":-0.025974951684474945},{"text":"Then the time is here stuff.","start":1019.435,"end":1021.375,"sentiment":"neutral","sentiment_score":-0.027565739428003628},{"text":"Yeah.","start":1022.07,"end":1022.47003,"sentiment":"neutral","sentiment_score":0.07636123150587082},{"text":"Yeah.","start":1022.47003,"end":1022.87006,"sentiment":"neutral","sentiment_score":0.06513771414756775}],"sentiment":"neutral","sentiment_score":0.010708183727481148,"num_words":11,"start":1018.315,"end":1022.87006},{"sentences":[{"text":"No.","start":1022.87006,"end":1023.11005,"sentiment":"neutral","sentiment_score":-0.08993478119373322},{"text":"So that would be good.","start":1023.11005,"end":1024.3301,"sentiment":"neutral","sentiment_score":0.15783490985631943},{"text":"Alright.","start":1025.91,"end":1026.23,"sentiment":"neutral","sentiment_score":0.1165926307439804},{"text":"So I've sent that through.","start":1026.23,"end":1027.43,"sentiment":"neutral","sentiment_score":0.03957200944423676},{"text":"I think that was it because I like, Choice, he's gone off.","start":1027.43,"end":1031.35,"sentiment":"neutral","sentiment_score":-0.11180483798185985}],"sentiment":"neutral","sentiment_score":-0.013665233738720417,"num_words":24,"start":1022.87006,"end":1031.35},{"sentences":[{"text":"He said, I can't talk now.","start":1031.35,"end":1032.55,"sentiment":"neutral","sentiment_score":-0.2512270659208298},{"text":"I'm doing stuff and he's not in the hedge frame.","start":1032.55,"end":1035.785,"sentiment":"neutral","sentiment_score":-0.18039184510707856},{"text":"He was on Friday, but he's not today.","start":1035.785,"end":1037.5651,"sentiment":"neutral","sentiment_score":-0.13444084767252207},{"text":"Yeah.","start":1039.145,"end":1039.385,"sentiment":"neutral","sentiment_score":0.16175130009651184},{"text":"Cool.","start":1039.385,"end":1039.625,"sentiment":"neutral","sentiment_score":0.3332870304584503}],"sentiment":"neutral","sentiment_score":-0.14968343451619148,"num_words":26,"start":1031.35,"end":1039.625},{"sentences":[{"text":"Alright.","start":1039.625,"end":1039.945,"sentiment":"neutral","sentiment_score":0.31427133083343506},{"text":"So I will definitely get back to you.","start":1039.945,"end":1041.885,"sentiment":"positive","sentiment_score":0.3896096237003803},{"text":"Either way, I'll ship you an email so I don't have to bother you just to say we've decided to keep the money or we're gonna put this amount in, and then I'll let get you to email me or talk to me how to to deposit that if we go down that track into the super.","start":1042.425,"end":1056.1,"sentiment":"neutral","sentiment_score":0.23369454370256057},{"text":"Yes.","start":1073.215,"end":1073.715,"sentiment":"neutral","sentiment_score":0.03485369682312012},{"text":"Yep.","start":1082.4099,"end":1082.6499,"sentiment":"neutral","sentiment_score":0.07802653312683105}],"sentiment":"neutral","sentiment_score":0.24800908149165266,"num_words":68,"start":1039.625,"end":1082.6499},{"sentences":[{"text":"Yes.","start":1082.6499,"end":1083.1499,"sentiment":"neutral","sentiment_score":0.08372332155704498},{"text":"That's it.","start":1083.21,"end":1084.19,"sentiment":"neutral","sentiment_score":0.06823544949293137},{"text":"Yeah.","start":1084.73,"end":1085.23,"sentiment":"neutral","sentiment_score":0.1069139689207077},{"text":"Oh, I didn't I didn't oh, okay.","start":1092.3151,"end":1094.795,"sentiment":"neutral","sentiment_score":-0.02380720925118242},{"text":"I didn't know that.","start":1094.795,"end":1095.775,"sentiment":"neutral","sentiment_score":0.036008793860673904}],"sentiment":"neutral","sentiment_score":0.020299526676535607,"num_words":15,"start":1082.6499,"end":1095.775},{"sentences":[{"text":"Yep.","start":1101.435,"end":1101.93,"sentiment":"neutral","sentiment_score":0.13864265382289886},{"text":"Yes.","start":1110.01,"end":1110.51,"sentiment":"neutral","sentiment_score":0.034834496676921844},{"text":"Yes.","start":1134.6799,"end":1135.1799,"sentiment":"neutral","sentiment_score":0.1089593842625618},{"text":"Yep.","start":1149.625,"end":1150.125,"sentiment":"neutral","sentiment_score":0.14237312972545624},{"text":"Yeah.","start":1167.4126,"end":1167.9126,"sentiment":"neutral","sentiment_score":0.2610374689102173}],"sentiment":"neutral","sentiment_score":0.1371694266796112,"num_words":5,"start":1101.435,"end":1167.9126},{"sentences":[{"text":"Yeah.","start":1174.595,"end":1175.095,"sentiment":"neutral","sentiment_score":0.18586137890815735},{"text":"Yeah.","start":1184.915,"end":1185.415,"sentiment":"neutral","sentiment_score":0.02322402223944664},{"text":"Yeah.","start":1207.485,"end":1207.985,"sentiment":"neutral","sentiment_score":0.0331568643450737},{"text":"It worked out that Troy ended up being 210, so he was paying the higher percentage.","start":1208.605,"end":1214.465,"sentiment":"neutral","sentiment_score":0.014984538240241818},{"text":"And I ended up in his tax yeah.","start":1215.4401,"end":1217.6,"sentiment":"neutral","sentiment_score":-0.11217141197994351}],"sentiment":"neutral","sentiment_score":-0.015384311796407457,"num_words":27,"start":1174.595,"end":1217.6},{"sentences":[{"text":"I ended up in his tax bracket as per that, and she said that ended up being $20.29, I think, that Troy had to pay, and I had to pay 25, I think it was.","start":1217.6,"end":1230.285,"sentiment":"neutral","sentiment_score":-0.02684101326657193},{"text":"But she said that's just the estimate she's got now.","start":1230.765,"end":1233.405,"sentiment":"neutral","sentiment_score":0.02732475586235523},{"text":"It won't be she said best to leave 55 to 60,000 out for it just in case it goes it life goes up.","start":1233.405,"end":1242.87,"sentiment":"neutral","sentiment_score":-0.030569928657749424},{"text":"She said she's gonna do an estimate on what we went from last year, not this year.","start":1243.19,"end":1247.21,"sentiment":"neutral","sentiment_score":0.021342765539884567},{"text":"Obviously, she said so if we leave the bill to be around 55 to 60, she said that will cover you for any incidentals just to make it on the safe side.","start":1248.23,"end":1259.205,"sentiment":"neutral","sentiment_score":0.21066739968955517}],"sentiment":"neutral","sentiment_score":0.0490161328154624,"num_words":117,"start":1217.6,"end":1259.205},{"sentences":[{"text":"But it ended up being I think it was, like, 50 something thousand we would have had to pay together.","start":1259.745,"end":1267.6849,"sentiment":"neutral","sentiment_score":-0.05890333130955696},{"text":"So, yeah, it yeah.","start":1268.785,"end":1271.55,"sentiment":"neutral","sentiment_score":-0.10539649869315328},{"text":"No.","start":1271.55,"end":1271.87,"sentiment":"neutral","sentiment_score":-0.2757042646408081},{"text":"Well, it wasn't too far off.","start":1271.87,"end":1273.15,"sentiment":"negative","sentiment_score":-0.3602209637562434},{"text":"Yeah.","start":1273.15,"end":1273.39,"sentiment":"neutral","sentiment_score":-0.0033607855439186096}],"sentiment":"neutral","sentiment_score":-0.1262513579276856,"num_words":32,"start":1259.745,"end":1273.39},{"sentences":[{"text":"Yeah.","start":1273.39,"end":1273.63,"sentiment":"neutral","sentiment_score":0.11416511982679368},{"text":"You did good.","start":1273.63,"end":1274.59,"sentiment":"neutral","sentiment_score":0.31773675481478375},{"text":"So she just sort of said that just remember that it's only it's tax on the 130.","start":1274.59,"end":1279.63,"sentiment":"neutral","sentiment_score":-0.021080174866844627},{"text":"She said not the 60 the 65 here.","start":1279.63,"end":1282.11,"sentiment":"neutral","sentiment_score":-0.04498245706781745},{"text":"If you put 65 in, we she said we could put up to a 120,000 contribution in there on top of the 30,000 that the employer can put in.","start":1282.11,"end":1293.715,"sentiment":"neutral","sentiment_score":0.0035893258735023694}],"sentiment":"neutral","sentiment_score":0.007814538022824403,"num_words":58,"start":1273.39,"end":1293.715},{"sentences":[{"text":"So she said you'd be yeah.","start":1294.015,"end":1297.135,"sentiment":"neutral","sentiment_score":-0.009651158936321735},{"text":"Yeah.","start":1297.135,"end":1297.375,"sentiment":"neutral","sentiment_score":0.0043947733938694},{"text":"So that's what she said to us.","start":1297.375,"end":1298.495,"sentiment":"neutral","sentiment_score":0.00035880010442009995},{"text":"We do have carry forward room put you into that.","start":1298.495,"end":1300.7001,"sentiment":"neutral","sentiment_score":0.015168525464832782},{"text":"We wanted to do it.","start":1300.7001,"end":1301.92,"sentiment":"neutral","sentiment_score":0.014938885718584061}],"sentiment":"neutral","sentiment_score":0.00604755530165958,"num_words":29,"start":1294.015,"end":1301.92},{"sentences":[{"text":"A hundred.","start":1314.205,"end":1314.865,"sentiment":"neutral","sentiment_score":-0.0467719491571188},{"text":"She said we'd have to put a 138 to what to what that bill would have to put a 130 each of what we earned from the beginning.","start":1315.965,"end":1321.905,"sentiment":"neutral","sentiment_score":-0.07521489555282253},{"text":"We if we put the 65, we'd still be in that tax bracket.","start":1322.285,"end":1325.165,"sentiment":"neutral","sentiment_score":-0.13100471118321785},{"text":"We would still have to pay because even though we only get taxed on 65, you said we would be taxed.","start":1325.165,"end":1332.24,"sentiment":"neutral","sentiment_score":-0.20314490511303857},{"text":"So we would have to be half of what we've paid.","start":1332.7,"end":1335.5,"sentiment":"neutral","sentiment_score":-0.19739936156706375}],"sentiment":"neutral","sentiment_score":-0.13786744271715481,"num_words":75,"start":1314.205,"end":1335.5},{"sentences":[{"text":"So it'd be 25,000 each.","start":1335.5,"end":1337.02,"sentiment":"neutral","sentiment_score":-0.0023998502641916276},{"text":"We'd have to 25 to 30, we'd have to pay tax anyway even if we just put 65 each into the account.","start":1337.02,"end":1344.8151,"sentiment":"neutral","sentiment_score":-0.047582467255944554},{"text":"She said to wipe the capital gains altogether, we would have to put a 130 in each in our super, which is what she said.","start":1344.8151,"end":1354.8351,"sentiment":"neutral","sentiment_score":-0.06889130674302578},{"text":"Yeah.","start":1356.03,"end":1356.43,"sentiment":"neutral","sentiment_score":0.003949599340558052},{"text":"So we still would be taxed, but it won't be as severe taxed as what we've had before.","start":1356.43,"end":1361.81,"sentiment":"neutral","sentiment_score":-0.048201040675242744}],"sentiment":"neutral","sentiment_score":-0.051334722990721046,"num_words":71,"start":1335.5,"end":1361.81},{"sentences":[{"text":"She said the 65, she said, you won't be you even if you put 65 in the super, we'd still be taxed on the the 130 we have each.","start":1362.8301,"end":1373.145,"sentiment":"neutral","sentiment_score":-0.080632118187074},{"text":"Like, the other 65, you wouldn't get the 50% offering like that, which is what she roughly said.","start":1373.145,"end":1380.525,"sentiment":"neutral","sentiment_score":-0.07325299270451069},{"text":"Said behalf of what we pay now to the tax, we still would be paying unless you put the whole 130 in.","start":1380.905,"end":1388.0199,"sentiment":"neutral","sentiment_score":-0.13140453872355548},{"text":"Which my husband doesn't really wanna put the 130 in to see because we won't be able to get it out until we retire.","start":1388.72,"end":1393.7,"sentiment":"neutral","sentiment_score":-0.25111727851132554},{"text":"Yeah.","start":1396.08,"end":1396.3999,"sentiment":"neutral","sentiment_score":-0.16169176995754242}],"sentiment":"neutral","sentiment_score":-0.13549246385376504,"num_words":94,"start":1362.8301,"end":1396.3999},{"sentences":[{"text":"And because we wanted to make sure that we bring I sort of don't have a mortgage either, so I wanted to bring that down.","start":1396.3999,"end":1402.345,"sentiment":"neutral","sentiment_score":-0.2211509397625923},{"text":"So yeah.","start":1403.365,"end":1404.405,"sentiment":"neutral","sentiment_score":-0.03575843200087547},{"text":"So that's where he's at.","start":1404.405,"end":1405.365,"sentiment":"neutral","sentiment_score":-0.004301673918962479},{"text":"Is it as well?","start":1405.365,"end":1407.865,"sentiment":"neutral","sentiment_score":0.023266402073204517},{"text":"You know what I mean?","start":1407.925,"end":1408.645,"sentiment":"neutral","sentiment_score":-0.13548246026039124}],"sentiment":"neutral","sentiment_score":-0.15136940050415876,"num_words":41,"start":1396.3999,"end":1408.645},{"sentences":[{"text":"Like, it's it's just so hard confusing when you get money.","start":1408.645,"end":1410.965,"sentiment":"neutral","sentiment_score":-0.3156004791909998},{"text":"It's just that it's a big call.","start":1410.965,"end":1412.425,"sentiment":"neutral","sentiment_score":-0.2839393360274179},{"text":"Yeah.","start":1416.2699,"end":1416.7699,"sentiment":"neutral","sentiment_score":-0.05360565334558487},{"text":"That's difficult in discarding what we're gonna do.","start":1417.3099,"end":1419.8099,"sentiment":"neutral","sentiment_score":-0.2314273938536644},{"text":"But yeah.","start":1420.19,"end":1420.6699,"sentiment":"neutral","sentiment_score":-0.07937194406986237}],"sentiment":"neutral","sentiment_score":-0.2594120453657775,"num_words":29,"start":1408.645,"end":1420.6699},{"sentences":[{"text":"So we're still sort of niggling it all out because he's, like, thinking of what we have to pay on our interest on our mortgage as well.","start":1420.6699,"end":1429.155,"sentiment":"neutral","sentiment_score":-0.16386611207767768},{"text":"If we don't have the money in there, is it, like, we'd be paying anyway that amount?","start":1429.395,"end":1435.655,"sentiment":"neutral","sentiment_score":-0.15395892455297358},{"text":"Yeah.","start":1440.675,"end":1440.995,"sentiment":"neutral","sentiment_score":0.014024438336491585},{"text":"Yeah.","start":1440.995,"end":1441.495,"sentiment":"neutral","sentiment_score":0.010832123458385468},{"text":"I know.","start":1441.7151,"end":1442.115,"sentiment":"neutral","sentiment_score":-0.003315262496471405}],"sentiment":"neutral","sentiment_score":-0.1463220980561649,"num_words":48,"start":1420.6699,"end":1442.115},{"sentences":[{"text":"See, that's what he said.","start":1442.115,"end":1442.915,"sentiment":"neutral","sentiment_score":-0.024733279086649417},{"text":"So we still would be paying the 25,000 ish to the tax.","start":1442.915,"end":1448.2201,"sentiment":"neutral","sentiment_score":-0.038864963222295046},{"text":"We still be paying and that leaves it on a 170 in that mortgage, which I think ended up being 70, I think he worked out.","start":1448.92,"end":1455.56,"sentiment":"neutral","sentiment_score":-0.07066328888042615},{"text":"70,000, 77,000 interest we'd be paying on top of that.","start":1455.56,"end":1462.265,"sentiment":"neutral","sentiment_score":-0.1378531835973263},{"text":"So it wouldn't be worth it because, like, we're only paying 25 to the tax you know, we're not gonna get it back.","start":1462.265,"end":1467.885,"sentiment":"neutral","sentiment_score":-0.30838244116824604}],"sentiment":"neutral","sentiment_score":-0.1434028874715104,"num_words":76,"start":1442.115,"end":1467.885},{"sentences":[{"text":"But we'd be paying more in that interest on our loan over the period of time.","start":1468.585,"end":1472.125,"sentiment":"neutral","sentiment_score":-0.15068481769412756},{"text":"I think you put ten years six to ten years on that.","start":1472.8251,"end":1475.67,"sentiment":"neutral","sentiment_score":-0.08754231315106153},{"text":"So that's how he's worked it.","start":1477.5901,"end":1479.37,"sentiment":"neutral","sentiment_score":0.04762310783068339},{"text":"Yeah.","start":1480.55,"end":1481.05,"sentiment":"neutral","sentiment_score":0.09391778707504272},{"text":"So he said, oh, is it worth it if we just pay the 25 or we pay the 60, and then we're we're paying roughly what we've been paying in interest extra on our mortgage instead of bringing our principal down now with what we've got.","start":1481.27,"end":1493.965,"sentiment":"neutral","sentiment_score":0.08999193662210651}],"sentiment":"neutral","sentiment_score":0.013059514540213125,"num_words":81,"start":1468.585,"end":1493.965},{"sentences":[{"text":"Does that make sense?","start":1493.965,"end":1495.105,"sentiment":"neutral","sentiment_score":0.07386607769876719},{"text":"I know the way he explained it.","start":1495.645,"end":1497.265,"sentiment":"neutral","sentiment_score":-0.0230775491467544},{"text":"Yeah.","start":1497.645,"end":1498.145,"sentiment":"neutral","sentiment_score":0.26512643694877625},{"text":"Yeah.","start":1504.285,"end":1504.785,"sentiment":"neutral","sentiment_score":0.032469697296619415},{"text":"Yes.","start":1522.98,"end":1523.445,"sentiment":"neutral","sentiment_score":0.1272459775209427}],"sentiment":"neutral","sentiment_score":0.03991168418100902,"num_words":14,"start":1493.965,"end":1523.445},{"sentences":[{"text":"Yes.","start":1528.005,"end":1528.505,"sentiment":"neutral","sentiment_score":0.06387961655855179},{"text":"Yeah.","start":1554.435,"end":1554.755,"sentiment":"neutral","sentiment_score":0.01931406930088997},{"text":"Well, that's what he's planning on doing.","start":1554.755,"end":1556.115,"sentiment":"neutral","sentiment_score":0.19923900067806244},{"text":"He's planning on just while the money's sitting in the offset, just hammering our principal for the next five years to bring that down to zero.","start":1556.115,"end":1563.155,"sentiment":"neutral","sentiment_score":0.028050466046596948},{"text":"So the money that's sitting in the offset is worth $3.40.","start":1563.155,"end":1566.03,"sentiment":"neutral","sentiment_score":0.06569391421296379}],"sentiment":"neutral","sentiment_score":0.06369156226434786,"num_words":46,"start":1528.005,"end":1566.03},{"sentences":[{"text":"And that's when we've got 340,000 sitting there in six years if we're now and tighten our belts and pay that mortgage off why we don't have to pay interest.","start":1567.6901,"end":1575.31,"sentiment":"neutral","sentiment_score":0.06716477771600088},{"text":"Thinking.","start":1577.385,"end":1577.865,"sentiment":"neutral","sentiment_score":0.14009341597557068},{"text":"And then and just paying the tax bill because we're saving money on paying our interest on the mortgage while we're trying to slam everything else down and doing it that way.","start":1577.865,"end":1590.2051,"sentiment":"neutral","sentiment_score":0.27132290229201317},{"text":"Even though we lose 60 but we save x amount because we're not paying interest.","start":1590.87,"end":1595.93,"sentiment":"neutral","sentiment_score":0.013477893670399983},{"text":"Yeah.","start":1599.27,"end":1599.77,"sentiment":"neutral","sentiment_score":0.0821273997426033}],"sentiment":"neutral","sentiment_score":0.14078057500757749,"num_words":79,"start":1567.6901,"end":1599.77},{"sentences":[{"text":"Yeah.","start":1604.79,"end":1605.29,"sentiment":"neutral","sentiment_score":0.007571795955300331},{"text":"Yeah.","start":1624.0,"end":1624.24,"sentiment":"neutral","sentiment_score":0.028692515566945076},{"text":"And that's what he yeah.","start":1624.24,"end":1625.7,"sentiment":"neutral","sentiment_score":0.04273279458284378},{"text":"Yeah.","start":1634.735,"end":1635.055,"sentiment":"neutral","sentiment_score":0.0621316134929657},{"text":"Yeah.","start":1635.055,"end":1635.375,"sentiment":"neutral","sentiment_score":0.06215724349021912}],"sentiment":"neutral","sentiment_score":0.041579682379961014,"num_words":9,"start":1604.79,"end":1635.375},{"sentences":[{"text":"So that's what we're looking at now.","start":1635.375,"end":1636.895,"sentiment":"neutral","sentiment_score":0.09215936277593885},{"text":"Like, we've got it in, like, three or four different ways.","start":1636.895,"end":1640.175,"sentiment":"neutral","sentiment_score":0.07353727011518045},{"text":"If we just pack it all in the mortgage and done that, then we've got a lot more principal or equity in the house without having to pay a mortgage and would have extra money to pop back into savings of training into debt and start building that offset account back up.","start":1640.175,"end":1654.03,"sentiment":"neutral","sentiment_score":0.12793985560822946},{"text":"Or do we just do some to the into our super and then pay less on the a the capital gains?","start":1654.17,"end":1660.11,"sentiment":"neutral","sentiment_score":0.09496115360941206},{"text":"How much you're paying on interest on that?","start":1660.65,"end":1662.2849,"sentiment":"neutral","sentiment_score":0.027077489270595834}],"sentiment":"neutral","sentiment_score":0.10421921355847383,"num_words":99,"start":1635.375,"end":1662.2849},{"sentences":[{"text":"And we've also got the one where we're not just paying the tax off, keeping the money in the offset account, and just hammering our principal down.","start":1662.2849,"end":1668.9249,"sentiment":"neutral","sentiment_score":0.08339662546360935},{"text":"So there are three options three or four options that we're looking at.","start":1668.9249,"end":1673.0249,"sentiment":"neutral","sentiment_score":0.11683100347335522},{"text":"Yep.","start":1682.7799,"end":1683.2799,"sentiment":"neutral","sentiment_score":0.12729142606258392},{"text":"It'll be $3.40, I think.","start":1692.895,"end":1694.5751,"sentiment":"neutral","sentiment_score":0.05375002846121788},{"text":"It was $3.40.","start":1694.5751,"end":1695.6951,"sentiment":"neutral","sentiment_score":0.026261215408643086}],"sentiment":"neutral","sentiment_score":0.08663953361766678,"num_words":49,"start":1662.2849,"end":1695.6951},{"sentences":[{"text":"We'll have ask you for your net payment tax.","start":1695.6951,"end":1697.535,"sentiment":"neutral","sentiment_score":0.01930538730488883},{"text":"It'll be $3.40 is what we have left.","start":1697.535,"end":1699.795,"sentiment":"neutral","sentiment_score":0.004271472978871316},{"text":"And that leads to 35 37,000 that interest will be paid on because we have less in our offset account than what we're doing in our mortgage repay like, our mortgage debt.","start":1700.015,"end":1711.12,"sentiment":"neutral","sentiment_score":0.019528817225364037},{"text":"Mhmm.","start":1711.26,"end":1711.76,"sentiment":"neutral","sentiment_score":0.05608604848384857},{"text":"Yeah.","start":1713.26,"end":1713.76,"sentiment":"neutral","sentiment_score":0.0956309288740158}],"sentiment":"neutral","sentiment_score":0.019305086238127128,"num_words":51,"start":1695.6951,"end":1713.76},{"sentences":[{"text":"Yeah.","start":1730.61,"end":1731.11,"sentiment":"neutral","sentiment_score":0.024673182517290115},{"text":"Yeah.","start":1737.6675,"end":1738.1675,"sentiment":"neutral","sentiment_score":0.007477396167814732},{"text":"Yep.","start":1756.005,"end":1756.505,"sentiment":"neutral","sentiment_score":0.1699216365814209},{"text":"Yeah.","start":1760.14,"end":1760.64,"sentiment":"neutral","sentiment_score":0.1501321792602539},{"text":"Yeah.","start":1770.86,"end":1771.36,"sentiment":"neutral","sentiment_score":0.16903036832809448}],"sentiment":"neutral","sentiment_score":0.10424695257097483,"num_words":5,"start":1730.61,"end":1771.36},{"sentences":[{"text":"Yeah.","start":1771.4199,"end":1771.74,"sentiment":"neutral","sentiment_score":0.18043625354766848},{"text":"That's what we thought of because I think it it allows us.","start":1771.74,"end":1774.905,"sentiment":"neutral","sentiment_score":0.2940875105559826},{"text":"We've got 37,000.","start":1775.0651,"end":1777.545,"sentiment":"neutral","sentiment_score":0.25290538867314655},{"text":"Like I said, that is flexible.","start":1777.545,"end":1780.365,"sentiment":"neutral","sentiment_score":0.2086520865559578},{"text":"Like, that's to bring us ever without mortgage.","start":1780.505,"end":1783.725,"sentiment":"neutral","sentiment_score":0.069297238253057}],"sentiment":"neutral","sentiment_score":0.20914976571997007,"num_words":30,"start":1771.4199,"end":1783.725},{"sentences":[{"text":"It'll be that 37,000 to let bring us level with the mortgage so we still have to pay interest and then just hammer out our mortgage off.","start":1784.105,"end":1791.2201,"sentiment":"neutral","sentiment_score":0.009918402190561648},{"text":"So, yeah, we do have the 37.","start":1793.2001,"end":1794.9801,"sentiment":"neutral","sentiment_score":0.10853945676769529},{"text":"We probably do, like you say, I would do the installments with the tax office or put that in the super.","start":1795.12,"end":1804.7401,"sentiment":"neutral","sentiment_score":0.11722224134774435},{"text":"We'll work it all out.","start":1805.265,"end":1805.905,"sentiment":"neutral","sentiment_score":0.15086304843425752},{"text":"But, yeah, I would definitely let you know about that one.","start":1805.905,"end":1808.305,"sentiment":"neutral","sentiment_score":0.2584413628686558}],"sentiment":"neutral","sentiment_score":0.09980859659926992,"num_words":71,"start":1784.105,"end":1808.305},{"sentences":[{"text":"No.","start":1808.305,"end":1808.805,"sentiment":"neutral","sentiment_score":-0.034226782619953156},{"text":"Yeah.","start":1810.785,"end":1811.285,"sentiment":"neutral","sentiment_score":0.08773687481880188},{"text":"Alright.","start":1812.385,"end":1812.885,"sentiment":"neutral","sentiment_score":0.3322226405143738},{"text":"Thank you for that.","start":1813.505,"end":1814.645,"sentiment":"positive","sentiment_score":0.5936951041221619},{"text":"Yeah.","start":1820.1,"end":1820.5,"sentiment":"neutral","sentiment_score":0.04580359905958176}],"sentiment":"positive","sentiment_score":0.35078959353268147,"num_words":8,"start":1808.305,"end":1820.5},{"sentences":[{"text":"Yeah.","start":1820.5,"end":1820.74,"sentiment":"neutral","sentiment_score":0.06238935142755509},{"text":"Yeah.","start":1820.74,"end":1821.24,"sentiment":"neutral","sentiment_score":0.04443717002868652},{"text":"It's just just not knowing which is the right path to choose.","start":1821.2999,"end":1825.14,"sentiment":"neutral","sentiment_score":-0.08187414333224297},{"text":"Like, it should be my husband's just all numbers and, you know, he doesn't he wants to make it the best one we've done is save us a little bit of your money over the whole period of time that everything's in our super bug.","start":1825.14,"end":1838.295,"sentiment":"neutral","sentiment_score":-0.021539352668656243},{"text":"I've been saving your super you're gonna be incurring interest on or whatever you've put our money into, you've got more there to put into, so we're gonna get more back.","start":1838.295,"end":1846.68,"sentiment":"neutral","sentiment_score":0.18581640203633615}],"sentiment":"neutral","sentiment_score":0.043504159938957954,"num_words":90,"start":1820.5,"end":1846.68},{"sentences":[{"text":"So we will be yeah.","start":1847.64,"end":1848.92,"sentiment":"neutral","sentiment_score":0.1863611787557602},{"text":"We've got growth there.","start":1848.92,"end":1849.8,"sentiment":"neutral","sentiment_score":0.29628585278987885},{"text":"So we're gonna have even though we lose it short term, long term, we'll have that extra money to build on, and it's gonna be give us pretty bigger gains than what we would just put in the way we are.","start":1849.8,"end":1862.4349,"sentiment":"neutral","sentiment_score":0.290177942594377},{"text":"So that was the other consideration was that there's all money to put out there to bring back in.","start":1862.495,"end":1868.595,"sentiment":"neutral","sentiment_score":0.04484970936257588},{"text":"I mean, also yeah.","start":1869.055,"end":1870.515,"sentiment":"neutral","sentiment_score":0.048941805958747864}],"sentiment":"neutral","sentiment_score":0.20633091305522885,"num_words":73,"start":1847.64,"end":1870.515},{"sentences":[{"text":"Well, but Yes.","start":1870.815,"end":1874.61,"sentiment":"neutral","sentiment_score":0.06587670370936394},{"text":"Yeah.","start":1875.97,"end":1876.29,"sentiment":"neutral","sentiment_score":0.062098924070596695},{"text":"That's it.","start":1876.29,"end":1876.9299,"sentiment":"neutral","sentiment_score":0.08398492820560932},{"text":"So that was the other thing.","start":1876.9299,"end":1878.87,"sentiment":"neutral","sentiment_score":0.009472616637746492},{"text":"So that I have to I said, do you have to learn think about the long term, like, in ten years for me anyway before I can get that money back.","start":1878.9299,"end":1887.665,"sentiment":"neutral","sentiment_score":-0.05968600054902415}],"sentiment":"neutral","sentiment_score":-0.03176119594379913,"num_words":43,"start":1870.815,"end":1887.665},{"sentences":[{"text":"That tend it's still gonna be growing anyway.","start":1887.665,"end":1890.165,"sentiment":"neutral","sentiment_score":-0.018300479743629694},{"text":"It's gonna be gaining money or interest, whatever we you know, from the stock market.","start":1890.305,"end":1895.585,"sentiment":"positive","sentiment_score":0.5657656451066335},{"text":"The growth from that will be coming in as 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okay.","start":1955.875,"end":1956.515,"sentiment":"neutral","sentiment_score":0.08851785585284233},{"text":"Fair enough.","start":1956.515,"end":1957.255,"sentiment":"neutral","sentiment_score":0.09212371706962585},{"text":"The others and then the other one's got nothing on it, and the other one's got the full debt.","start":1961.31,"end":1964.93,"sentiment":"neutral","sentiment_score":-0.026782372476238953}],"sentiment":"neutral","sentiment_score":0.023456417137023174,"num_words":33,"start":1951.795,"end":1964.93},{"sentences":[{"text":"Is that how it works?","start":1966.27,"end":1967.33,"sentiment":"neutral","sentiment_score":0.17817082703113557},{"text":"Okay.","start":1969.31,"end":1969.81,"sentiment":"neutral","sentiment_score":0.3326045572757721},{"text":"Fair enough.","start":1970.99,"end":1971.55,"sentiment":"neutral","sentiment_score":0.10415123775601387},{"text":"I didn't think of that 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right.","start":2012.505,"end":2013.325,"sentiment":"neutral","sentiment_score":0.07500440999865532}],"sentiment":"neutral","sentiment_score":0.020625401909152668,"num_words":6,"start":1996.63,"end":2013.325},{"sentences":[{"text":"Alright.","start":2015.18,"end":2015.5,"sentiment":"neutral","sentiment_score":0.2078748196363449},{"text":"Cool.","start":2015.5,"end":2015.82,"sentiment":"neutral","sentiment_score":0.31827425956726074},{"text":"That that yeah.","start":2015.82,"end":2016.96,"sentiment":"neutral","sentiment_score":0.2317368189493815},{"text":"Yeah.","start":2020.0599,"end":2020.38,"sentiment":"neutral","sentiment_score":0.17547622323036194},{"text":"Thanks for that.","start":2020.38,"end":2021.36,"sentiment":"positive","sentiment_score":0.45048239827156067}],"sentiment":"neutral","sentiment_score":0.30536477267742157,"num_words":9,"start":2015.18,"end":2021.36},{"sentences":[{"text":"Just another headache.","start":2022.0599,"end":2023.1,"sentiment":"neutral","sentiment_score":-0.10301620761553447},{"text":"No.","start":2023.1,"end":2023.34,"sentiment":"neutral","sentiment_score":-0.1840634644031525},{"text":"That's all good.","start":2023.34,"end":2024.4,"sentiment":"neutral","sentiment_score":0.0203434353073438},{"text":"Yeah.","start":2025.26,"end":2025.58,"sentiment":"neutral","sentiment_score":0.01772933453321457},{"text":"Cool.","start":2025.58,"end":2026.08,"sentiment":"neutral","sentiment_score":-0.0891299694776535}],"sentiment":"neutral","sentiment_score":-0.05594249069690704,"num_words":9,"start":2022.0599,"end":2026.08},{"sentences":[{"text":"Yep.","start":2029.1,"end":2029.6,"sentiment":"neutral","sentiment_score":-0.005320950411260128},{"text":"Yep.","start":2041.0149,"end":2041.5149,"sentiment":"neutral","sentiment_score":-0.0040939985774457455},{"text":"Oh, that was months ago.","start":2044.695,"end":2052.17,"sentiment":"neutral","sentiment_score":-0.03211643397808075},{"text":"Okay.","start":2052.71,"end":2053.11,"sentiment":"neutral","sentiment_score":-0.03710608184337616},{"text":"Because I'm thinking I didn't have a conversation.","start":2053.11,"end":2055.05,"sentiment":"neutral","sentiment_score":-0.10328006697818637}],"sentiment":"neutral","sentiment_score":-0.06458398353424855,"num_words":16,"start":2029.1,"end":2055.05},{"sentences":[{"text":"Yeah.","start":2055.35,"end":2055.67,"sentiment":"neutral","sentiment_score":-0.08034345507621765},{"text":"Because I'm thinking I didn't get a conversation with them.","start":2055.67,"end":2057.83,"sentiment":"neutral","sentiment_score":-0.16867783069610595},{"text":"I just spoke to to Jordan.","start":2057.83,"end":2059.7952,"sentiment":"neutral","sentiment_score":-0.137577752272288},{"text":"I thought now I'm thinking yeah.","start":2059.7952,"end":2061.395,"sentiment":"neutral","sentiment_score":-0.14932620152831078},{"text":"Because she was actually affected because she knew about everything.","start":2061.395,"end":2063.475,"sentiment":"neutral","sentiment_score":-0.27925217896699905}],"sentiment":"neutral","sentiment_score":-0.19033537195487457,"num_words":33,"start":2055.35,"end":2063.475},{"sentences":[{"text":"I'm thinking, no.","start":2063.475,"end":2063.915,"sentiment":"neutral","sentiment_score":-0.26498349010944366},{"text":"It can't be that.","start":2063.915,"end":2064.5151,"sentiment":"neutral","sentiment_score":-0.3207998424768448},{"text":"And then I'm thinking, well, why is that one?","start":2064.5151,"end":2065.875,"sentiment":"neutral","sentiment_score":-0.23779175678888956},{"text":"I'm thinking, oh, I'm a little confused.","start":2065.875,"end":2067.415,"sentiment":"neutral","sentiment_score":-0.2853693791798183},{"text":"So that all good.","start":2068.2751,"end":2069.475,"sentiment":"neutral","sentiment_score":0.16296239756047726}],"sentiment":"neutral","sentiment_score":-0.2060745079760198,"num_words":27,"start":2063.475,"end":2069.475},{"sentences":[{"text":"Thank you for verifying that with me.","start":2069.475,"end":2071.575,"sentiment":"positive","sentiment_score":0.34476622513362337},{"text":"Yeah.","start":2084.57,"end":2085.07,"sentiment":"neutral","sentiment_score":0.008111190982162952},{"text":"That's fine.","start":2089.215,"end":2089.775,"sentiment":"neutral","sentiment_score":0.1821993738412857},{"text":"That that it'll just be I'll stick to your email if I've got any questions or any worry.","start":2089.775,"end":2094.115,"sentiment":"neutral","sentiment_score":0.2110940052403344},{"text":"Probably won't be that often.","start":2094.495,"end":2095.455,"sentiment":"neutral","sentiment_score":0.02344081662595272}],"sentiment":"neutral","sentiment_score":0.20311423309260246,"num_words":33,"start":2069.475,"end":2095.455},{"sentences":[{"text":"It'll just be when you'll be able to make a decision.","start":2095.455,"end":2097.315,"sentiment":"neutral","sentiment_score":0.09366181526671756},{"text":"If you were a text saying or an email saying, we've decided to do this so you know you're in the loop and where we're where we're at with that extra money and stuff like that.","start":2097.86,"end":2107.24,"sentiment":"neutral","sentiment_score":0.09750228395892514},{"text":"And then it'll be working out what we're gonna do to because I do want another financial another investment just up our sleeve just to long term.","start":2107.94,"end":2119.795,"sentiment":"neutral","sentiment_score":0.05975871464168584},{"text":"As long as it's sort of paying itself off and doing a little bit for me, we do have to incur a few months there or weeks where it's out of rental or whatever, then which I can't see it being a problem since we're so short over here.","start":2120.4949,"end":2131.51,"sentiment":"neutral","sentiment_score":-0.03740239493092712},{"text":"But yeah.","start":2133.41,"end":2133.97,"sentiment":"neutral","sentiment_score":-0.002423809841275215}],"sentiment":"neutral","sentiment_score":0.03453026011586189,"num_words":125,"start":2095.455,"end":2133.97},{"sentences":[{"text":"Just to make sure we we have the finance to do that as well because I don't I'm sort of hesitant.","start":2133.97,"end":2137.875,"sentiment":"neutral","sentiment_score":-0.026607001821200054},{"text":"It doesn't work to leave myself short either.","start":2137.875,"end":2140.595,"sentiment":"neutral","sentiment_score":-0.156510628759861},{"text":"I've gotta be able to yeah.","start":2140.595,"end":2142.115,"sentiment":"neutral","sentiment_score":-0.08469663187861443},{"text":"Go outside of my my means.","start":2142.115,"end":2144.215,"sentiment":"neutral","sentiment_score":-0.07283437127868335},{"text":"But yeah.","start":2145.715,"end":2146.435,"sentiment":"neutral","sentiment_score":0.06488190218806267}],"sentiment":"neutral","sentiment_score":-0.06107568099748257,"num_words":43,"start":2133.97,"end":2146.435},{"sentences":[{"text":"All good.","start":2146.435,"end":2146.995,"sentiment":"neutral","sentiment_score":0.18293209373950958},{"text":"Alright.","start":2146.995,"end":2147.3152,"sentiment":"neutral","sentiment_score":0.2139439582824707},{"text":"Thank you so much for giving me a callback.","start":2147.3152,"end":2149.3152,"sentiment":"positive","sentiment_score":0.5456752214166853},{"text":"We're returning your time today.","start":2149.3152,"end":2150.7,"sentiment":"positive","sentiment_score":0.3656370282173157},{"text":"Yeah.","start":2152.6199,"end":2152.8599,"sentiment":"neutral","sentiment_score":0.11494958400726318}],"sentiment":"positive","sentiment_score":0.41300110353363884,"num_words":18,"start":2146.435,"end":2152.8599},{"sentences":[{"text":"No.","start":2152.8599,"end":2153.02,"sentiment":"neutral","sentiment_score":0.0715838149189949},{"text":"That's helped me a lot.","start":2153.02,"end":2153.98,"sentiment":"neutral","sentiment_score":0.23759005069732667},{"text":"I'll I'll do that email, go to the first one, and do the temporary password on that before it expires.","start":2153.98,"end":2159.44,"sentiment":"neutral","sentiment_score":0.08401327840983867},{"text":"I'll fix that today.","start":2159.66,"end":2160.8,"sentiment":"neutral","sentiment_score":0.07362191192805767},{"text":"Alright.","start":2163.42,"end":2163.74,"sentiment":"neutral","sentiment_score":0.19290946424007416}],"sentiment":"neutral","sentiment_score":0.11055473382434537,"num_words":31,"start":2152.8599,"end":2163.74},{"sentences":[{"text":"Cool.","start":2163.74,"end":2163.98,"sentiment":"neutral","sentiment_score":0.25066137313842773},{"text":"Alright.","start":2163.98,"end":2164.22,"sentiment":"neutral","sentiment_score":0.27639240026474},{"text":"Thank you so much.","start":2164.22,"end":2164.94,"sentiment":"positive","sentiment_score":0.599994957447052},{"text":"I really appreciate that.","start":2164.94,"end":2166.24,"sentiment":"positive","sentiment_score":0.5689606368541718},{"text":"No.","start":2171.045,"end":2171.285,"sentiment":"neutral","sentiment_score":-0.14639213681221008}],"sentiment":"positive","sentiment_score":0.45968036489053204,"num_words":11,"start":2163.74,"end":2171.285},{"sentences":[{"text":"He's he's off and he's going to the line somewhere at the moment.","start":2171.285,"end":2174.245,"sentiment":"neutral","sentiment_score":-0.15033008960577157},{"text":"He was already on Friday with all the questions, but today he's lost he's just not he's day off.","start":2174.245,"end":2178.965,"sentiment":"neutral","sentiment_score":-0.19929789751768112},{"text":"He said that.","start":2178.965,"end":2179.785,"sentiment":"neutral","sentiment_score":0.01640954116980235},{"text":"Yeah.","start":2179.925,"end":2180.245,"sentiment":"neutral","sentiment_score":0.011569172143936155},{"text":"He's done.","start":2180.245,"end":2180.905,"sentiment":"neutral","sentiment_score":-0.01758714858442545}],"sentiment":"neutral","sentiment_score":-0.15040336103227578,"num_words":38,"start":2171.285,"end":2180.905},{"sentences":[{"text":"Yeah.","start":2181.4102,"end":2181.6501,"sentiment":"neutral","sentiment_score":-0.029763495549559593},{"text":"He's like, no.","start":2181.6501,"end":2182.29,"sentiment":"neutral","sentiment_score":-0.18333897491296133},{"text":"I don't know what to think.","start":2182.29,"end":2183.09,"sentiment":"negative","sentiment_score":-0.35940054059028625},{"text":"He's gotta come and think I'm not not and just put his hands up.","start":2183.09,"end":2185.33,"sentiment":"neutral","sentiment_score":-0.2665012404322624},{"text":"I said, okay.","start":2185.33,"end":2185.81,"sentiment":"neutral","sentiment_score":-0.05755224451422691}],"sentiment":"neutral","sentiment_score":-0.2459206579046117,"num_words":27,"start":2181.4102,"end":2185.81},{"sentences":[{"text":"Well, there's no point in even dragging him in on the conversation because yeah.","start":2185.81,"end":2189.6802,"sentiment":"neutral","sentiment_score":-0.17096692669604505},{"text":"Yeah.","start":2194.7751,"end":2195.175,"sentiment":"neutral","sentiment_score":0.19454264640808103},{"text":"Cool.","start":2195.175,"end":2195.495,"sentiment":"positive","sentiment_score":0.4801751375198364},{"text":"Alright.","start":2195.495,"end":2195.735,"sentiment":"positive","sentiment_score":0.547927975654602},{"text":"That'd be great.","start":2195.735,"end":2196.375,"sentiment":"positive","sentiment_score":0.7235598166783651}],"sentiment":"neutral","sentiment_score":0.0499894117936492,"num_words":20,"start":2185.81,"end":2196.375},{"sentences":[{"text":"Thank you so much, Lisa.","start":2196.375,"end":2197.2551,"sentiment":"positive","sentiment_score":0.805961298942566},{"text":"I appreciate that, and I will be hearing from you or you're hearing from me shortly.","start":2197.2551,"end":2201.675,"sentiment":"positive","sentiment_score":0.5783465038985014},{"text":"Okay.","start":2203.655,"end":2204.135,"sentiment":"positive","sentiment_score":0.3864394426345825},{"text":"Thanks, Lisa.","start":2204.135,"end":2204.955,"sentiment":"positive","sentiment_score":0.5795556306838989},{"text":"Alright.","start":2205.175,"end":2205.675,"sentiment":"positive","sentiment_score":0.3833250403404236}],"sentiment":"positive","sentiment_score":0.6084890520572662,"num_words":25,"start":2196.375,"end":2205.675},{"sentences":[{"text":"Cheers.","start":2205.735,"end":2206.235,"sentiment":"positive","sentiment_score":0.6083277463912964},{"text":"Bye.","start":2206.695,"end":2207.195,"sentiment":"neutral","sentiment_score":-0.11116808652877808}],"sentiment":"neutral","sentiment_score":0.24857982993125916,"num_words":2,"start":2205.735,"end":2207.195}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Good afternoon. Good afternoon, Michelle. It's Larissa how from OP Financial. How are you going?\n\nChannel 1: I'm good. Thank you. Good.\n\nChannel 0: That's good. I had you scheduled in to talk with yourself and your husband.\n\nChannel 1: Yeah. I'm surprised it's a public holiday. I'm on Friday, I have to be hung up. I said, oh my god. It's public holiday on Monday.\n\nChannel 0: No. It's actually not a public holiday for us in Queensland. So\n\nChannel 1: Oh, okay.\n\nChannel 0: I am\n\nChannel 1: Fair enough.\n\nChannel 0: working away. Yep. I know. Pretty much, like, all the other states decide to declare a public holiday, but Queensland only declare the holiday if it's on a if if Anzac Day falls on a Sunday.\n\nChannel 1: Oh, okay. Fair enough. Yeah. And I was probably apologizing with the stress. Also, it must have been over there as well.\n\nSo it's kinda like I think\n\nChannel 0: I\n\nChannel 1: oh,\n\nChannel 0: know.\n\nChannel 1: good. Bye.\n\nChannel 0: Nope. So so on\n\nChannel 1: No\n\nChannel 0: Australian.\n\nChannel 1: worries. Yeah.\n\nChannel 0: Anyway, just to let you\n\nChannel 1: Good.\n\nChannel 0: know, our calls are recorded. And then if I could just get you to go do a quick security for me, just full name, date of birth, and address.\n\nChannel 1: Yeah. It's Michelle Mcdars in the code. 25th Of 974 in Fort Upper Court, Motorvale.\n\nChannel 0: Perfection. Alright. So we wanna just go through and have a bit of a chat with yourself With yourself?\n\nChannel 1: Yeah. And yeah. And Troy, just just to go over a few little things, that was all.\n\nChannel 0: Yeah.\n\nChannel 1: By the way, I with the welcome call I got on Friday, she sent me paperwork or email through, but it came through as peak Pinnacle, I think it was, financial. Is it you guys all linked together or because the emails I've got, like, for the new login for super and stuff come up with peak clinical. Does that make sense? So you're with OPU. Yeah?\n\nWhich is\n\nChannel 0: Yeah.\n\nChannel 1: who we're going through?\n\nChannel 0: Yeah. No. Pink Pinnacle is can I get you to forward the email to me?\n\nChannel 1: Yeah. Yeah. I can't. Because I I just because I thought it's it's okay that I'm going through, and then I was like, I've been\n\nChannel 0: Yeah.\n\nChannel 1: panicking all weekend.\n\nChannel 0: Yeah.\n\nChannel 1: So, yeah, I just wanted to know. And she's the one I spoke to on Friday, obviously, to book this in for you today, and I was waiting to hear back because she did ring me today.\n\nChannel 0: Yeah.\n\nChannel 1: So yeah. Because I I just got, like, these North online temporary password, I think it was.\n\nChannel 0: Yep.\n\nChannel 1: Let's see. Is that is that right, though? North\n\nChannel 0: Yes.\n\nChannel 1: @amp.com\n\nChannel 0: Yep.\n\nChannel 1: dot e. That is u guys?\n\nChannel 0: Yeah. Well, I mean, that's the super fund, but yes. Yep. That's the fund that we set up for you, and that that's just all connected to you being able to log in to your, like, account. Yep.\n\nChannel 1: Sorry. I just gotta find it.\n\nChannel 0: No. You're still fine.\n\nChannel 1: Peak Financial Peak Pinnacle Financial Limited. I got one as well. And I'm pretty sure they came in straight after she sort of said to me, I'll send you an email through.\n\nChannel 0: Yeah.\n\nChannel 1: Because Peaks, I think, is who Troy goes through, but it's in my name. And they're the ones that, well, when I spoke to Fabio, the or the first time with this went around a cup a month or two ago that they couldn't help me. So I thought, oh, whatever. And then you guys come back and said you could do it with a\n\nChannel 0: Yeah.\n\nChannel 1: benefit than staying with Hester. So yeah. Yeah. So think financial services.\n\nChannel 0: Yeah. Can you if I send you an email now, are you able to forward that to me?\n\nChannel 1: Yeah. I can. It came with two yeah. So I I I just wasn't sure what was going on because I'm pretty sure\n\nChannel 0: Yeah.\n\nChannel 1: that you guys going with you guys and sort of paperwork for you. And Hester sent me confirmation that you've taken the money already. And I then thought, oh my god. What have I done? So I thought you're reviewing today.\n\nI said, no. That's good then. It was like, I'm not being you know, just having, like, a peak freak.\n\nChannel 0: Yeah. No. No. I've forward the email, and I'll have a look at it.\n\nChannel 1: Okay. That'd be good. Yeah. Because I don't know if because the super team, if that was because it's under that group, and then I'm not not sure if it's just like an extended thing. But yeah.\n\nAnd I didn't get to I didn't think to ask what the email come through, what group I'd if it's not on the overview, what it was to log in and do all that stuff.\n\nChannel 0: Yeah.\n\nChannel 1: So I because we got product holiday out, but I was just gonna do it tomorrow or Wednesday, get it on and log it all in and stuff like that. So\n\nChannel 0: No. That's so fine. No. I'm I'm here. I'm ready to go.\n\nChannel 1: Cool. Thank you for that. I was just waiting for your email to come through\n\nChannel 0: Yeah.\n\nChannel 1: with that. Yeah. Because I just thought, oh my god. Okay. Is it north at AMP?\n\nI don't know if that's just it says super, but it was the person I'm speaking to. It just all happened then, like because I said Pete had rang me as well and a lot I don't know who it was. She said it was a welcome message, welcome to, which is what you said when I spoken to you this\n\nChannel 0: Yeah.\n\nChannel 1: Friday. Then I got the pink peak pinnacle come through. I was thinking, oh, what's going on? Anyway yeah. So we have been to see our tax accountant\n\nChannel 0: Yeah. Perfect.\n\nChannel 1: last week, and she said what they do is they they take it on the whole amount of a 130, and then that gets divided into two because you get 50\n\nChannel 0: Yep.\n\nChannel 1: percent\n\nChannel 0: Correct. Yep.\n\nChannel 1: off. Yeah. It's left at 65. But it looked like that we needed she said to cover estimate would be roughly 55 to 60,000 for tax. If\n\nChannel 0: Yep.\n\nChannel 1: we did the 65% into super, it would still bring us down to half of that. So instead of being 30,000 each, it'll be 16,000 each. We'd still have to pay capital gains.\n\nChannel 0: Yes.\n\nChannel 1: But on the losing side of that is that it takes more out of our we'd have to pay more on our mortgage anyway over the six to whatever. I think we couldn't redraw that out. Is that right? We can't redraw the 60,000 out or 65 out until we retire.\n\nChannel 0: So\n\nChannel 1: Is\n\nChannel 0: if\n\nChannel 1: that\n\nChannel 0: you\n\nChannel 1: right?\n\nChannel 0: yeah. Whatever money you put into the super funds, you wouldn't\n\nChannel 1: Yeah.\n\nChannel 0: be able to, like, pull out until at least age 60. So\n\nChannel 1: Yeah.\n\nChannel 0: it\n\nChannel 1: Yeah.\n\nChannel 0: it it is sort of a a a bit of a catch 22. You either pay the taxes and it's gone to the ATO and you'll never get that money back. It is what it is. Or you put into super funds, you can't touch it until 60, but it's not gone gone to the ATO when it's just it's, you know, doing its thing working for\n\nChannel 1: Yeah.\n\nChannel 0: you for now.\n\nChannel 1: Yeah. Because I think it worked out. It was gonna cost if we kept the money in the offset account to pay our principal down. Well, we still have I think we end up paying 90,000 in interest over that period of time or a bit\n\nChannel 0: Yes.\n\nChannel 1: more. So, you know, my husband said, well, we probably better off paying the tax guy and saving the $90 and then just I don't know. He said he'd talk to you. I just gotta find him at the moment. Just walk\n\nChannel 0: He's\n\nChannel 1: away.\n\nChannel 0: hiding somewhere.\n\nChannel 1: Yeah. Yeah. So yeah. So we still haven't decided what is the best way to go about that for the capital gains.\n\nChannel 0: Yeah.\n\nChannel 1: So we're still sitting on it. But I think he had a couple of questions. I hope that's fine. Give me a second.\n\nChannel 0: No. Go find him. Absolutely.\n\nChannel 1: I've got this lady on the financial services. It's got me on Friday. The guy lady we talked to on Friday. He's just getting dressed. Sorry.\n\nChannel 0: That's okay. Let him do that.\n\nChannel 1: Yeah. So yeah. Anyway yeah. So we haven't quite decided what we we do with that regarding that. So I know we've only got a few a few a week or two to decide.\n\nChannel 0: You don't have a week or two. You I mean, realistically, you have you have until the June before you have\n\nChannel 1: Yeah.\n\nChannel 0: to make any decisions. I would recommend that you don't make any like, that you have your resolute decision done by, like, the June 15, so mid June. So that way you're able to execute and pay any money that you need to pay. If you wait any longer just with bank transfer times, the\n\nChannel 1: Yes.\n\nChannel 0: amount of stuff that happens during that period of time, you don't wanna\n\nChannel 1: Yes.\n\nChannel 0: don't get me wrong. I have had people make a payment on, like, the Friday before end of financial year ends, and we get it we get it done, it's a generally, can be a bit of a hard push because it doesn't it takes time for the depending on how much money for it to\n\nChannel 1: Yes.\n\nChannel 0: leave your bank account, land with the the super fund, and go and do all stuff from there. And after the financial year rolls, June 30, there's nothing you can do. It's whatever's done is done.\n\nChannel 1: Done. Yeah. Fair enough. Well, yeah, they would definitely make a decision before then\n\nChannel 0: Yeah.\n\nChannel 1: regarding that. Alright. Oh, my head's gone blank. There was a couple of things I was gonna ask you. So when I spoke to a lady on Friday, I said that you said I didn't have to change my contribution that my employer do into I stayed in Hester.\n\nShe didn't know that. And I said, oh, look. I just wanted to make sure that was confirmed,\n\nChannel 0: Correct.\n\nChannel 1: that I don't\n\nChannel 0: Correct.\n\nChannel 1: have to change. It still\n\nChannel 0: No.\n\nChannel 1: goes in there.\n\nChannel 0: They stay go still going to Hesper's very much. Yes.\n\nChannel 1: Yeah. Cool. Alright. No worries. And if I decide to not put the money into the Hester into the super.\n\nChannel 0: Superfund. Yep.\n\nChannel 1: Yeah. Can I still get advice on if we wanna do it, like, the broker? Like, you said you could help us with brokers if we decide to use the house of equity to then go and\n\nChannel 0: Yeah.\n\nChannel 1: because I think\n\nChannel 0: Go\n\nChannel 1: we're\n\nChannel 0: again.\n\nChannel 1: probably gonna sort of leaning to just leaving the money in the offset account trying to bring our principal down and using that money in the offset account as savings for when, like, in if we leave it there and just keep using it to pay off principal. So they then when we do sort of semi retired, we'll have a lump sum money there to then pop back into super and then\n\nChannel 0: Yep.\n\nChannel 1: use or whatever we decide to do at that point in time\n\nChannel 0: Yeah.\n\nChannel 1: at this stage. Because at the moment, we have to pay the capital gains that leaves us with only 37 left in our mortgage to pay that we'd actually be interest on anyway, which wouldn't be that\n\nChannel 0: Yeah.\n\nChannel 1: much if we start pumping money into the principal and bring it down really quickly in the next five years, get back to sort of if we're paying $500 a week into it\n\nChannel 0: Yes. Yep.\n\nChannel 1: each to bring that down. So that's what we're sort of roughly looking at at this stage of doing. But we do still wanna buy an apartment or a townhouse of some sort to sort of look at in as a retirement down the track. So would\n\nChannel 0: Yes.\n\nChannel 1: we I can call you for to get like, you said you had a broker on board. Is that does that come by through you?\n\nChannel 0: Yeah. Yeah. I can connect you with her, and and and you guys can have a meeting and and\n\nChannel 1: Yeah.\n\nChannel 0: and just sort of have a look at what serviceability looks like Mhmm.\n\nChannel 1: Yep.\n\nChannel 0: And and yet go from there. Because that that's the best way to always do it is to have a look at serviceability, see what, you know, your interest rate roughly would be, how much your borrowed borrowing capacity would be, what that looks like from a financial position. Her and I can\n\nChannel 1: Yeah.\n\nChannel 0: can talk and and, you know, obviously, keep you in the loop at every stage, and and and we can kind of budgetarily make sure that it functions works\n\nChannel 1: Yeah. That would be wonderful. Just to go that yeah. That\n\nChannel 0: for\n\nChannel 1: would be wonderful. I\n\nChannel 0: you.\n\nChannel 1: still haven't\n\nChannel 0: Yeah.\n\nChannel 1: got that email through. Hang on. Let me go and see. I've been getting a lot of going through spam lately. Oh, there it is.\n\nChannel 0: Wouldn't\n\nChannel 1: It's in spam.\n\nChannel 0: yep. Cool. I was like, I sent it. I hope I sent it\n\nChannel 1: Yeah.\n\nChannel 0: to the right\n\nChannel 1: Yeah.\n\nChannel 0: place.\n\nChannel 1: No. I think I'm just looking keep looking at my phone, and I I've just had a hold of this email from my son with his stuff, and it's all going to spam because he said, I didn't receive any of it. Oh my god. I just moved that into a different file. Okay.\n\nYeah. Because I just I just got a bit like I said, I just got a bit of a heart attack over the weekend.\n\nChannel 0: Yeah.\n\nChannel 1: Alright. So if I for me, the point of call, like, if I wanna know about the super fund, I can contact you. Are you the one to my porta call, or do I just get any\n\nChannel 0: Yeah.\n\nChannel 1: get anyone?\n\nChannel 0: You'll you'll call through, and you'll you'll get my admin staff at the first point. It's very, very rare that I'm available enough to be able to just pick up the phone.\n\nChannel 1: Yeah. Oh, no. No. I I'd I'd make an appointment. I wouldn't just\n\nChannel 0: Yeah.\n\nChannel 1: harass\n\nChannel 0: Yeah.\n\nChannel 1: you on the phone\n\nChannel 0: But\n\nChannel 1: like that. I wouldn't do that. I would just be like because I'll make an appointment in a week or two for this date to have a talk about any concerns or\n\nChannel 0: yeah. Absolutely.\n\nChannel 1: I can't\n\nChannel 0: And\n\nChannel 1: log\n\nChannel 0: you have my a you have my email address, so you can always just quickly flick an email through and schedule appointment that way too.\n\nChannel 1: on. Yeah.\n\nChannel 0: But yeah.\n\nChannel 1: Cool.\n\nChannel 0: If yeah. Sometimes it's just easy to just jump on the phone and and they'll be able to, yeah, schedule an appointment. We'll have a look at my calendar and see what works and what works for you and pop a pop an appointment in the calendar so that way we can, yeah, meet, discuss, and\n\nChannel 1: Yes.\n\nChannel 0: you can bring any questions. If you have questions that you wanna email through to me, you can do it that way. That way I'm at least a little bit prepared for whatever you might throw my way, but I'm always happy\n\nChannel 1: Yeah.\n\nChannel 0: to ad hoc\n\nChannel 1: Oh,\n\nChannel 0: it\n\nChannel 1: yeah.\n\nChannel 0: as well.\n\nChannel 1: Yeah. No. I wouldn't do that to you. I just yeah. I just want to make sure that yeah.\n\nI've because like I said, it's all done over the phone. It's very hard because you're not seeing in person. You're not seeing it's\n\nChannel 0: Yeah.\n\nChannel 1: all sort of, like, taking out the Internet and just getting all these emails, and I'm not very tech savvy.\n\nChannel 0: No. And, look,\n\nChannel 1: So\n\nChannel 0: we can always we can always do a, like, a video call as well. I can, like, send you an email. You just have to click on the link, and it will do it all for you, and we can meet virtually that way.\n\nChannel 1: Yeah. Cool. That yeah. It's just bit of reassurance for me as well because then I know that I'm actually talking to someone on the other line, and I know that that it's a good sort of thing.\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: Sorry.\n\nChannel 0: No.\n\nChannel 1: I'm\n\nChannel 0: I get\n\nChannel 1: just\n\nChannel 0: it.\n\nChannel 1: trying to forward this. Oh my shit.\n\nChannel 0: Do technological things at the same time as you're talking. You're okay. It's a Monday\n\nChannel 1: Yeah.\n\nChannel 0: morning\n\nChannel 1: It's\n\nChannel 0: as well.\n\nChannel 1: I'm trying to forward, but every time I try to forward, your name doesn't come up. So I can't, like, it doesn't automatically go to maybe\n\nChannel 0: Into\n\nChannel 1: if I\n\nChannel 0: it.\n\nChannel 1: do that. Yeah. It just I said I'm not very tech savvy. I'll forward this to you anyway because instead of going a bit confused. And then I thought, she say the lady that spoke to me on Friday, this and that.\n\nMy husband said, well, I didn't actually catch what she said at the beginning. But I said she referred everything you had said to me prior to that. So, like, I wasn't that unsure, but it was just that I've got clinical and then I got the north, which I wanted to ask today if you rang, if that was the correct\n\nChannel 0: Yeah.\n\nChannel 1: thing that I need to do.\n\nChannel 0: Yeah. No. So North is so you would have received two emails from North. One would have\n\nChannel 1: Yep.\n\nChannel 0: been, like, the welcome to your account. This is your account login details. And then the second one would have been, like, here's your temporary password. The look. The temporary password will be expired by now, which is fine.\n\nIt's just you use it when you log in to the first time. So when you go to log in, you'll just say forgot password. Because a temporary password, if memory serves,\n\nChannel 1: Yep.\n\nChannel 0: only lasts for twenty four hours.\n\nChannel 1: Yeah. I just I think I've only just received it.\n\nChannel 0: This morning?\n\nChannel 1: Yeah, this morning at 5AM. I got\n\nChannel 0: Oh, perfect.\n\nChannel 1: the temporary password,\n\nChannel 0: Yeah.\n\nChannel 1: and the other one I got on the twenty fourth. Because she said to me, wait till beginning of the week before they might to set up.\n\nChannel 0: Yeah.\n\nChannel 1: So\n\nChannel 0: Yeah. Because\n\nChannel 1: yeah. So\n\nChannel 0: I I helped Jordan, which is who you spoke to on Friday. I helped Jordan process your application on Friday.\n\nChannel 1: yep.\n\nChannel 0: And sometimes Friday applications might not go through the system until Monday, but it seems like it might have might have gone through nicely last Friday before the weekend\n\nChannel 1: Yeah.\n\nChannel 0: hit.\n\nChannel 1: Yeah. So I see that she said right at the beginning of the week, and I thought today's probably holiday, but I will I will get on and do that just after I speak finish speaking to you.\n\nChannel 0: Yeah.\n\nChannel 1: So I've just sent that email through to you because like I said, I got a bit confused in a bit. Okay. Because I I think the company that ran me said no. We can't help. And then, like, then Savio sort of said, oh, there is go through it again.\n\nAnd you guys obviously said you could do make\n\nChannel 0: Yeah.\n\nChannel 1: it beneficial to change over.\n\nChannel 0: Yeah. Help you in more ways than one.\n\nChannel 1: So yeah.\n\nChannel 0: Not\n\nChannel 1: Yeah.\n\nChannel 0: just\n\nChannel 1: Then\n\nChannel 0: not just super\n\nChannel 1: the\n\nChannel 0: focused\n\nChannel 1: time is\n\nChannel 0: looking\n\nChannel 1: here\n\nChannel 0: at\n\nChannel 1: stuff.\n\nChannel 0: everything. Yeah.\n\nChannel 1: Yeah. Yeah. No. So that would be good. Alright.\n\nSo I've sent that through. I think that was it because I like, Choice, he's gone off. He said, I can't talk now. I'm doing stuff and he's not in the hedge frame. He was on Friday, but he's not today.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. Cool. Alright. So I will definitely get back to you. Either way, I'll ship you an email so I don't have to bother you just to say we've decided to keep the money or we're gonna put this amount in, and then I'll let get you to email me or talk to me how to to deposit that if we go down that track into the super.\n\nChannel 0: Yeah. Yeah. So, like, I guess, basically, the the the crux of the the whole strategy is there's one of two directions that you can you can sort of look at things. You can either\n\nChannel 1: Yes.\n\nChannel 0: look look at the fact that the money has to go irrespective. It's a question of do you let it go to the ATO? Because you're gonna have to pay this this bill.\n\nChannel 1: Yep.\n\nChannel 0: Now\n\nChannel 1: Yes.\n\nChannel 0: with the\n\nChannel 1: That's\n\nChannel 0: ATO,\n\nChannel 1: it.\n\nChannel 0: you you can obviously\n\nChannel 1: Yeah.\n\nChannel 0: pay the ATO bill off slowly. You can just have a debt there, and you just pay it off slowly with them. You don't have to pay it as a lump sum, which means that you can keep\n\nChannel 1: Oh,\n\nChannel 0: the\n\nChannel 1: I\n\nChannel 0: money\n\nChannel 1: didn't\n\nChannel 0: in\n\nChannel 1: I\n\nChannel 0: your\n\nChannel 1: didn't\n\nChannel 0: offset. Yeah. So\n\nChannel 1: oh,\n\nChannel 0: you\n\nChannel 1: okay.\n\nChannel 0: you can work\n\nChannel 1: I\n\nChannel 0: with\n\nChannel 1: didn't\n\nChannel 0: your\n\nChannel 1: know\n\nChannel 0: accountant.\n\nChannel 1: that.\n\nChannel 0: Yeah. You can work with your accountant. You can basically set up a payment scheme, like\n\nChannel 1: Yep.\n\nChannel 0: a repaint a rep or a payment schedule. That's what I want. Or a payment schedule with the ATO, and you just you pay it off at at x amount each month. And you\n\nChannel 1: Yes.\n\nChannel 0: can have it going that way, which means that you can keep the money in your offset so you don't have to incur interest. So there is that. You would need to talk with your accountant as to what that looks like from a do you incur interest with the ATO? How how you know, what will will the ATO allow us to pay it off over a couple of years? Do we have to pay it off this year?\n\nHow can we you know, what what repayment schedule does it look like?\n\nChannel 1: Yes.\n\nChannel 0: Or, you know, because you're gonna have to pay it, and the money the only money that you really have available is what's sitting on in your offset, you know, rather than sending the money in your offset off to the ATO,\n\nChannel 1: Yep.\n\nChannel 0: do we put it all into our superannuation fund? That way, rather than I'm not I don't wanna use I don't wanna use the word waste, but, realistically, let's be honest, sometimes taxes are a waste of money. It's funny ways. Anyway, rather than, you know, wasting the money and sending it to the ATO for taxes,\n\nChannel 1: Yeah.\n\nChannel 0: we can put it into the super fund and pay a much smaller amount of tax than what the ATO is\n\nChannel 1: Yeah.\n\nChannel 0: currently wanting, and we can we can do it that way. The difference is is the ATO are gonna want less than what you would\n\nChannel 1: Yeah.\n\nChannel 0: have to put in your superannuation fund to offset it. Because the ATO, like, it's, you know, the the $65,000 or you know, as your as your accountant could have calculated, it's obviously a little bit different to my calculations. They have a little bit more information. But it's the $65,000 that you guys would be assessed at as your capital gains, but that's not the amount of tax you pay. You pay, you know, the 30% based on your\n\nChannel 1: Yeah.\n\nChannel 0: marginal rate.\n\nChannel 1: It worked out that Troy ended up being 210, so he was paying the higher\n\nChannel 0: Yeah.\n\nChannel 1: percentage.\n\nChannel 0: Yeah.\n\nChannel 1: And I\n\nChannel 0: He\n\nChannel 1: ended\n\nChannel 0: did hang\n\nChannel 1: up in\n\nChannel 0: a bit\n\nChannel 1: his\n\nChannel 0: more.\n\nChannel 1: tax yeah. I ended up\n\nChannel 0: Mhmm.\n\nChannel 1: in\n\nChannel 0: Correct.\n\nChannel 1: his tax bracket\n\nChannel 0: Correct.\n\nChannel 1: as\n\nChannel 0: Yeah.\n\nChannel 1: per that, and she said that ended up being $20.29, I think, that Troy had to pay, and I had to pay 25, I think it was.\n\nChannel 0: Yeah.\n\nChannel 1: But she said that's just the estimate she's got now. It won't be she said best to leave 55 to 60,000 out for it just in case it goes it life goes up. She said she's gonna do an estimate on what we went from last year, not this\n\nChannel 0: Yeah.\n\nChannel 1: year.\n\nChannel 0: Perfect.\n\nChannel 1: Obviously, she said so if we leave the bill to be around 55 to 60, she said that will cover you for any incidentals just to make it on the safe side. But it ended up being I think it was, like, 50 something thousand we would have had to pay together.\n\nChannel 0: Correct.\n\nChannel 1: So,\n\nChannel 0: Yeah. So my\n\nChannel 1: yeah,\n\nChannel 0: math isn't too\n\nChannel 1: it\n\nChannel 0: too far off\n\nChannel 1: yeah.\n\nChannel 0: then.\n\nChannel 1: No. Well,\n\nChannel 0: I\n\nChannel 1: it\n\nChannel 0: did\n\nChannel 1: wasn't\n\nChannel 0: pretty\n\nChannel 1: too\n\nChannel 0: good.\n\nChannel 1: far off. Yeah. Yeah. You did good. So she just sort of said that just remember that it's only it's tax on the 130.\n\nShe said not the 60 the 65 here. If you put 65 in, we she said we could put up to a 120,000 contribution in there on top of the 30,000 that\n\nChannel 0: Yep.\n\nChannel 1: the employer can put in.\n\nChannel 0: Correct.\n\nChannel 1: So\n\nChannel 0: You\n\nChannel 1: she\n\nChannel 0: guys\n\nChannel 1: said\n\nChannel 0: have you\n\nChannel 1: you'd\n\nChannel 0: guys have\n\nChannel 1: be\n\nChannel 0: carry forward room. Yeah.\n\nChannel 1: yeah. Yeah. So that's what she said to us. We do have carry forward room put you into that. We wanted to do it.\n\nChannel 0: Yeah. So so that so where that difference lies is basically the ACO is saying you owe us $55.60, whatever the case may be, because the marginal rate, if you guys wanna wipe that bill entirely, you guys would have to put in basically 65\n\nChannel 1: A hundred.\n\nChannel 0: each.\n\nChannel 1: She said we'd have to put a 138 to what to what that bill would have to put a 130 each of what we earned from the beginning. We if we put the 65, we'd still be in that tax bracket. We would still have to pay because even though we only get taxed on 65, you said we would be taxed. So we would have to be half of what we've paid. So it'd be 25,000 each.\n\nWe'd have to 25 to 30, we'd have to pay tax anyway even if we just put 65 each into the account. She said to wipe the capital gains altogether, we would have to put a 130 in each in our super, which is what she said.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. So we still would be taxed, but it won't be as severe\n\nChannel 0: I see.\n\nChannel 1: taxed\n\nChannel 0: Yeah.\n\nChannel 1: as what we've had before. She\n\nChannel 0: Yeah.\n\nChannel 1: said the 65, she said, you won't be you even if you put 65 in the super, we'd still be taxed on the the 130 we have each. Like, the other 65, you wouldn't get the 50% offering like that, which is what she roughly said. Said behalf of what we pay now to the tax, we still would be paying unless you put the whole 130 in. Which my husband doesn't really wanna put the 130 in to see because we won't be able to get it out until we retire.\n\nChannel 0: Yeah. It's just it's too much.\n\nChannel 1: Yeah. And because we wanted to make sure that we bring I sort of don't have a mortgage either, so I wanted to bring that down. So yeah. So that's where he's at. Is it as well?\n\nYou know what I mean? Like, it's it's just so hard confusing when you get money. It's just that it's a big call.\n\nChannel 0: Can sometimes be better to be poor. Yes. Very\n\nChannel 1: Yeah.\n\nChannel 0: much so.\n\nChannel 1: That's difficult in discarding what we're gonna do. But\n\nChannel 0: Yeah.\n\nChannel 1: yeah. So we're still sort of niggling it all out because he's, like, thinking of what we have to pay on our interest on our mortgage as well. If we don't have the money in there, is it, like, we'd be paying anyway\n\nChannel 0: Yeah. Which I've I've\n\nChannel 1: that\n\nChannel 0: done the\n\nChannel 1: amount?\n\nChannel 0: rough I've done the rough calculations for you based on how much you take out of the offset.\n\nChannel 1: Yeah. Yeah. I know. See, that's what he said. So we still would be paying the 25,000 ish to the tax.\n\nWe still be paying and that leaves it on a 170 in that mortgage, which I think ended up being 70, I think he worked out. 70,000, 77,000 interest we'd be paying on top of that. So it wouldn't be worth it because, like, we're only paying 25 to the tax you know, we're not gonna get it back. But we'd be paying more in that interest on our loan over the period of time. I think you put ten years six to ten years on that.\n\nChannel 0: Yeah.\n\nChannel 1: So that's how he's worked it.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. So he said, oh, is it worth it if we just pay the 25 or we pay the 60, and then we're we're paying roughly what we've been paying in interest extra on our mortgage instead of bringing our principal down now with what we've got. Does that make sense?\n\nChannel 0: Yeah.\n\nChannel 1: I know\n\nChannel 0: No.\n\nChannel 1: the way\n\nChannel 0: It does\n\nChannel 1: he explained it.\n\nChannel 0: it does it\n\nChannel 1: Yeah.\n\nChannel 0: makes perfect sense. It's just it's it's a matter of can you like, of of of weighing up the two fiscal outcomes or\n\nChannel 1: Yeah.\n\nChannel 0: financial outcomes, and then also looking at well, because we have all the money sitting in the offset, could we put you know, if we do take from the offset and and create a bit of a a bill, can we then make sure that we're, you know, not being a little bit more frugal, putting more money back into the offset and just absolutely,\n\nChannel 1: Yes.\n\nChannel 0: like, hammering money into the offset to bring it back up. Because\n\nChannel 1: Yes.\n\nChannel 0: we we we previously had a mortgage. We were previously paying for our mortgage, then we sold the block of land. Now we don't have to put money into the mortgage. That money has gone somewhere. It's going towards other expenses living a little bit less frugally because we don't have that mortgage to consider or think about.\n\nSo maybe it's a matter of taking a step back, tightening that belt a little bit, going back to pretending like we do have a mortgage, and just literally putting money as much as possible back into that offset.\n\nChannel 1: Yeah. Well, that's what he's planning on doing. He's planning on just while the money's sitting in the offset, just hammering our principal for the next five years to bring that down to zero. So the money that's sitting in the offset is worth $3.40.\n\nChannel 0: Yep.\n\nChannel 1: And that's when we've got 340,000 sitting there in six years if we're now and tighten our belts and pay that mortgage off why we don't have to pay interest.\n\nChannel 0: Yeah.\n\nChannel 1: Thinking. And then and just paying the tax bill because we're saving money on paying our interest on the mortgage while we're trying to slam everything else down and doing it that way. Even though we lose 60 but we save x amount because we're not paying interest.\n\nChannel 0: Very very much so. Yeah. Like because,\n\nChannel 1: Yeah.\n\nChannel 0: realistically, the interest the interest that you'd be charged because you the mortgage lasts for another twenty three years. The interest\n\nChannel 1: Yeah.\n\nChannel 0: that you would be charged over the next twenty three years if you, you know, didn't put any money onto it would be quite a lot over that time. But if you take the money, incur the little bit of interest, and just make sure that you you know, it just depends on how much money you can put back into that account. That's where the way up comes. If\n\nChannel 1: Yeah.\n\nChannel 0: you're,\n\nChannel 1: And\n\nChannel 0: you\n\nChannel 1: that's\n\nChannel 0: know,\n\nChannel 1: what he\n\nChannel 0: guarantee\n\nChannel 1: yeah.\n\nChannel 0: yeah. If you're guaranteeing that you can put x amount in each week, that obviously changes how everything would would flow.\n\nChannel 1: Yeah. Yeah. So that's what we're looking at now. Like, we've got it in, like, three or four different ways. If we just pack it\n\nChannel 0: Yeah.\n\nChannel 1: all in the mortgage and done that, then we've got a lot more principal or equity in the house without\n\nChannel 0: Yep.\n\nChannel 1: having to pay a mortgage and would have extra money to pop back into savings of training into debt and start building that offset account back up. Or do\n\nChannel 0: Yes.\n\nChannel 1: we just do some to the into our super and then pay less on the a the capital gains?\n\nChannel 0: Yep.\n\nChannel 1: How much you're paying on interest on that? And we've also got the one where we're not just paying the tax off, keeping the money in the offset account, and just hammering our principal down. So there are three options three\n\nChannel 0: I\n\nChannel 1: or\n\nChannel 0: I\n\nChannel 1: four\n\nChannel 0: mean,\n\nChannel 1: options\n\nChannel 0: I would,\n\nChannel 1: that we're looking at.\n\nChannel 0: yeah, I would, at the very least, because you've got sort of about the $30 sitting in excess on the offset. I would,\n\nChannel 1: Yep.\n\nChannel 0: at the very least, take that excess that you have. So, you know, mortgages sitting at, you know, $3.03 77, and you've got sort of 400,000 sitting in the in the offset.\n\nChannel 1: It'll\n\nChannel 0: I would\n\nChannel 1: be\n\nChannel 0: take whatever's\n\nChannel 1: $3.40, I think. It was $3.40. We'll have ask you\n\nChannel 0: there\n\nChannel 1: for your\n\nChannel 0: you\n\nChannel 1: net\n\nChannel 0: go.\n\nChannel 1: payment tax. It'll be $3.40 is what we have left. And that leads to 35 37,000 that interest will be paid on because we have less in our offset account than what we're doing in our mortgage repay like, our mortgage debt. Mhmm.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: The I mean, I would I would probably try and put whatever's currently excess into your super funds just to bring that debt down a little bit. And then just call your accountant and say, hey. Can I can I do a a a repayment schedule with the ATO?\n\nChannel 1: Yeah.\n\nChannel 0: What does the interest rate look like on that? Because the ATO can sometimes do, like, a really\n\nChannel 1: Yeah.\n\nChannel 0: short time like, short term repayment schedule without interest depending on how you set it up. You could sort of do something along those lines where you you have a proper payment schedule. That way, you're not having to take out of your mortgage offset. And\n\nChannel 1: Yep.\n\nChannel 0: it means that, you know, whatever you guys were gonna allocate to your mortgage offset,\n\nChannel 1: Yeah.\n\nChannel 0: you can send over to the ATO instead. So that way you guys are keeping to that little bit more conservative position where you you don't incur any interest on the mortgage.\n\nChannel 1: Yeah. Yeah. That's what we thought of because I think it it allows us. We've got 37,000. Like I said, that is flexible.\n\nLike, that's to bring us ever without mortgage. It'll be that 37,000 to let bring us level with the mortgage so we still have to pay interest and then just hammer out our mortgage off.\n\nChannel 0: Yeah.\n\nChannel 1: So, yeah, we do have the 37. We probably do, like you say, I would do the installments with the tax office or put that in the super. We'll work it all out. But, yeah, I would definitely let you know about that one. No.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Absolutely.\n\nChannel 1: Alright.\n\nChannel 0: More\n\nChannel 1: Thank\n\nChannel 0: than\n\nChannel 1: you\n\nChannel 0: happy\n\nChannel 1: for\n\nChannel 0: to.\n\nChannel 1: that.\n\nChannel 0: Does that, I guess, give you someone to bounce off and give you some little bit more clarity? Or\n\nChannel 1: Yeah. Yeah. Yeah. It's just just not knowing which is the right path to choose. Like,\n\nChannel 0: yeah.\n\nChannel 1: it should be my husband's just all numbers and, you know, he doesn't he wants to make it the best one we've done is save us a little bit of your money over the whole period of time that everything's in our super bug. I've been saving your super you're gonna be incurring interest on or whatever you've put our money into, you've got more there to put into, so we're gonna get\n\nChannel 0: Yeah.\n\nChannel 1: more back.\n\nChannel 0: Yeah. You got\n\nChannel 1: So\n\nChannel 0: grocer.\n\nChannel 1: we will be yeah. We've got growth there. So we're gonna have even though we lose it short term, long term, we'll have that extra money to build on, and it's gonna be give us pretty bigger gains than what we would just put in the way we are. So that was the other consideration was that there's all money to put out there to bring back\n\nChannel 0: Yes.\n\nChannel 1: in.\n\nChannel 0: Yeah.\n\nChannel 1: I mean,\n\nChannel 0: Yeah.\n\nChannel 1: also\n\nChannel 0: Exactly.\n\nChannel 1: yeah.\n\nChannel 0: The more the more\n\nChannel 1: Well,\n\nChannel 0: money\n\nChannel 1: but\n\nChannel 0: you invest, the the and over the longer term, the better\n\nChannel 1: Yes.\n\nChannel 0: outcome you have,\n\nChannel 1: Yeah.\n\nChannel 0: most\n\nChannel 1: That's\n\nChannel 0: certainly.\n\nChannel 1: it. So that was the other thing. So that I have to I said, do you have to learn think about the long term, like, in ten years for me anyway\n\nChannel 0: Yeah.\n\nChannel 1: before I can get that money back. That tend it's still gonna be growing anyway. It's gonna be gaining money or interest, whatever we you know, from the stock market. The growth from that will be coming in as well.\n\nChannel 0: Yeah.\n\nChannel 1: Alright. For the long term, so when we file, we'll have a big amount of money sitting there anyway, and we can probably use it then to pay off the mortgage we've got now if we don't sell\n\nChannel 0: Yeah.\n\nChannel 1: between now and then.\n\nChannel 0: And there's there's also the consideration that, you know, whilst you guys wanna, you know, have have your current house, you know, with no mortgage or very little, if we're gonna go and get an investment property or go and buy a unit, that position is gonna change. You know? We are in the unit for twelve months. We can always shift any debt that's sitting on our house over to the investment property. So there's there's always you know, we we can be very flexible with how we do things.\n\nWe might have to incur interest for a short term on our house, but we can change that with, you know, shifting it later onto the investment property.\n\nChannel 1: How do you do that?\n\nChannel 0: It's all just\n\nChannel 1: How\n\nChannel 0: about\n\nChannel 1: do you shift\n\nChannel 0: refinancing.\n\nChannel 1: it?\n\nChannel 0: So\n\nChannel 1: Oh,\n\nChannel 0: just\n\nChannel 1: okay.\n\nChannel 0: using\n\nChannel 1: Fair enough.\n\nChannel 0: equity equity that we have in the property and just shifting it from one property to the other.\n\nChannel 1: The others and then the other one's got nothing on it, and the other one's got the full debt.\n\nChannel 0: Yeah. Exactly.\n\nChannel 1: Is that how it works?\n\nChannel 0: Definitely does. That's exactly how\n\nChannel 1: Okay.\n\nChannel 0: it works. Just a matter\n\nChannel 1: Fair\n\nChannel 0: of\n\nChannel 1: enough.\n\nChannel 0: yeah.\n\nChannel 1: I didn't think of that one.\n\nChannel 0: Yeah. So we might, like, we might have to you know, well, irrespective, if if you pay the ATO off in a bulk, you're gonna end up with a little bit of you're gonna you're gonna end up incurring interest\n\nChannel 1: Yeah.\n\nChannel 0: because, you know, you you'd lose the money out of that account. But when we buy the investment property, it's gonna do its thing, and then, you know, you're gonna be able to\n\nChannel 1: Yes.\n\nChannel 0: ship the money again. Like, it's it's it might just be a matter of sort of rolling rolling where the the debt sits and and shifting how\n\nChannel 1: Yeah.\n\nChannel 0: the finances move. And anytime we make any big financial change, it's gonna uproot the entire system anyway.\n\nChannel 1: Yeah. Yeah. That's right. Alright. Cool.\n\nThat that yeah.\n\nChannel 0: Just gives you another layer of things to think about.\n\nChannel 1: Yeah. Thanks for that.\n\nChannel 0: That's\n\nChannel 1: Just\n\nChannel 0: okay.\n\nChannel 1: another headache. No. That's all good.\n\nChannel 0: Well, I\n\nChannel 1: Yeah.\n\nChannel 0: can get rid\n\nChannel 1: Cool.\n\nChannel 0: of one of your headaches. I had to look through the email that you forwarded me. I think\n\nChannel 1: Yep.\n\nChannel 0: it's just peak pinnacle doing what they should have done back in the beginning by issuing you with the financial services guide. It's come directly from Peak Pinnacle. It hasn't come from me or or or Fabian or anything like that.\n\nChannel 1: Yep.\n\nChannel 0: It just come from Peak Pinnacle when you first spoke to them. I think they're just\n\nChannel 1: Oh,\n\nChannel 0: sending\n\nChannel 1: that\n\nChannel 0: you\n\nChannel 1: was months\n\nChannel 0: yeah. They're just sending you the financial services guide in connection with the conversation they had with\n\nChannel 1: ago.\n\nChannel 0: you because\n\nChannel 1: Okay.\n\nChannel 0: they're\n\nChannel 1: Because I'm\n\nChannel 0: supposed\n\nChannel 1: thinking I\n\nChannel 0: to\n\nChannel 1: didn't\n\nChannel 0: send\n\nChannel 1: have\n\nChannel 0: that\n\nChannel 1: a\n\nChannel 0: to\n\nChannel 1: conversation.\n\nChannel 0: you.\n\nChannel 1: Yeah. Because I'm thinking I didn't get a conversation with them. I just spoke to to Jordan. I thought now I'm thinking yeah. Because she was actually affected because she knew about everything.\n\nI'm thinking, no. It can't be that. And then I'm thinking, well, why is that one? I'm thinking, oh, I'm a little confused. So\n\nChannel 0: Yep.\n\nChannel 1: that all good. Thank you for verifying that with me.\n\nChannel 0: No. That's okay. Absolutely. Look. If there's any questions you have or if you wanna run anything by me, just flick me an email.\n\nWe'll give my team a call. And if I'm available on the spot, I'll give you a call ad hoc like I you know, if if I can.\n\nChannel 1: Yeah.\n\nChannel 0: Otherwise, I'll just I'll schedule you in within the next sort of two or three days to have\n\nChannel 1: That's\n\nChannel 0: a chat.\n\nChannel 1: fine. That that it'll just be I'll stick to your email if I've got any questions or any worry.\n\nChannel 0: Yeah.\n\nChannel 1: Probably won't be that often. It'll just be when you'll be able to make a decision. If you were a text saying or an email saying, we've decided to do this so you know you're in the loop and where we're where we're at\n\nChannel 0: Yeah.\n\nChannel 1: with that extra money and stuff like that. And then it'll be working out what we're gonna do to because I do want another financial another investment just up our sleeve\n\nChannel 0: Yeah.\n\nChannel 1: just to long term. As long as it's sort of paying itself off and doing a little bit for me, we do have to incur a few months there or weeks where it's out of rental or whatever, then which I can't see it being a problem since we're so short over here. But yeah. Just to make sure we we have the finance to do that as well because I don't I'm sort of hesitant. It doesn't work to leave myself short either.\n\nChannel 0: Yeah.\n\nChannel 1: I've gotta be able to yeah. Go outside of my my means.\n\nChannel 0: Yeah.\n\nChannel 1: But yeah. All good. Alright. Thank you so much for giving me a callback. We're returning your time today.\n\nYeah. No. That's helped me a lot. I'll I'll do that email,\n\nChannel 0: Absolutely.\n\nChannel 1: go to the first one, and do the temporary password on that before it expires. I'll fix that\n\nChannel 0: Yeah.\n\nChannel 1: today.\n\nChannel 0: If you if you run into any issues, let me know.\n\nChannel 1: Alright. Cool. Alright. Thank you so much. I really appreciate that.\n\nChannel 0: No. That's okay. Did did the other half have any questions at all?\n\nChannel 1: No. He's he's off and he's going to the line somewhere at the moment. He was already on Friday with all the questions, but today he's lost he's just not he's\n\nChannel 0: He's\n\nChannel 1: day off.\n\nChannel 0: done\n\nChannel 1: He\n\nChannel 0: for\n\nChannel 1: said\n\nChannel 0: the\n\nChannel 1: that.\n\nChannel 0: day. He's\n\nChannel 1: Yeah.\n\nChannel 0: in holiday\n\nChannel 1: He's done.\n\nChannel 0: mode.\n\nChannel 1: Yeah. He's like, no. I don't know what to think. He's gotta come and think I'm not not and just put his hands up. I said, okay.\n\nWell, there's no point in even dragging him in on the conversation because yeah.\n\nChannel 0: That's okay. If he has any questions, again, just shoot me an email.\n\nChannel 1: Yeah. Cool. Alright. That'd be great. Thank you so much, Lisa.\n\nI appreciate that, and I will be hearing from you or you're hearing from me shortly.\n\nChannel 0: He will. Thanks,\n\nChannel 1: Okay.\n\nChannel 0: Michelle.\n\nChannel 1: Thanks, Lisa. Alright.\n\nChannel 0: Bye.\n\nChannel 1: Cheers. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.88,"end":1.38,"sentiment":"neutral","sentiment_score":0.02803432196378708}],"sentiment":"neutral","sentiment_score":0.02803432196378708,"channel":1,"num_words":1,"start":0.88,"end":1.38},{"sentences":[{"text":"Good afternoon.","start":6.48,"end":7.54,"sentiment":"neutral","sentiment_score":0.20899726450443268},{"text":"Good afternoon, Michelle.","start":7.8399997,"end":8.96,"sentiment":"neutral","sentiment_score":0.290097455183665},{"text":"It's Larissa how from OP Financial.","start":8.96,"end":10.719999,"sentiment":"neutral","sentiment_score":0.22018469125032425},{"text":"How are you going?","start":10.719999,"end":11.62,"sentiment":"neutral","sentiment_score":0.2230183146893978}],"sentiment":"neutral","sentiment_score":0.23343122005462646,"channel":0,"num_words":15,"start":6.48,"end":11.62},{"sentences":[{"text":"I'm good.","start":11.92,"end":12.4,"sentiment":"positive","sentiment_score":0.5512121319770813},{"text":"Thank you.","start":12.4,"end":12.96,"sentiment":"positive","sentiment_score":0.6788395345211029},{"text":"Good.","start":12.96,"end":13.46,"sentiment":"positive","sentiment_score":0.5871502161026001}],"sentiment":"positive","sentiment_score":0.6094507098197937,"channel":1,"num_words":5,"start":11.92,"end":13.46},{"sentences":[{"text":"That's good.","start":14.335,"end":15.155001,"sentiment":"positive","sentiment_score":0.5937424898147583},{"text":"I had you scheduled in to talk with yourself and your husband.","start":15.615,"end":18.995,"sentiment":"neutral","sentiment_score":0.18700499087572098}],"sentiment":"neutral","sentiment_score":0.24511034786701202,"channel":0,"num_words":14,"start":14.335,"end":18.995},{"sentences":[{"text":"Yeah.","start":19.775,"end":20.095001,"sentiment":"neutral","sentiment_score":-0.05557555705308914},{"text":"I'm surprised it's a public holiday.","start":20.095001,"end":22.255001,"sentiment":"neutral","sentiment_score":-0.2824293275674184},{"text":"I'm on Friday, I have to be hung up.","start":22.255001,"end":23.935001,"sentiment":"neutral","sentiment_score":-0.2844881945186191},{"text":"I said, oh my god.","start":23.935001,"end":24.654999,"sentiment":"neutral","sentiment_score":-0.23064972460269928},{"text":"It's public holiday on Monday.","start":24.654999,"end":26.675,"sentiment":"neutral","sentiment_score":-0.17827337086200715}],"sentiment":"neutral","sentiment_score":-0.24442925963264245,"channel":1,"num_words":26,"start":19.775,"end":26.675},{"sentences":[{"text":"No.","start":27.23,"end":27.630001,"sentiment":"neutral","sentiment_score":-0.19088485836982727},{"text":"It's actually not a public holiday for us in Queensland.","start":27.630001,"end":29.970001,"sentiment":"neutral","sentiment_score":-0.17851911038160323},{"text":"So","start":30.03,"end":30.35,"sentiment":"neutral","sentiment_score":-0.1219402328133583}],"sentiment":"neutral","sentiment_score":-0.1748346829166015,"channel":0,"num_words":12,"start":27.23,"end":30.35},{"sentences":[{"text":"Oh, okay.","start":30.05,"end":30.69,"sentiment":"neutral","sentiment_score":-0.09411945194005966}],"sentiment":"neutral","sentiment_score":-0.09411945194005966,"channel":1,"num_words":2,"start":30.05,"end":30.69},{"sentences":[{"text":"I am","start":30.35,"end":31.150002,"sentiment":"neutral","sentiment_score":-0.11820922419428825}],"sentiment":"neutral","sentiment_score":-0.11820922419428825,"channel":0,"num_words":2,"start":30.35,"end":31.150002},{"sentences":[{"text":"Fair enough.","start":30.69,"end":31.43,"sentiment":"neutral","sentiment_score":-0.13880141824483871}],"sentiment":"neutral","sentiment_score":-0.13880141824483871,"channel":1,"num_words":2,"start":30.69,"end":31.43},{"sentences":[{"text":"working away.","start":31.150002,"end":32.050003,"sentiment":"neutral","sentiment_score":-0.13691429048776627},{"text":"Yep.","start":32.190002,"end":32.690002,"sentiment":"neutral","sentiment_score":-0.044753603637218475},{"text":"I know.","start":33.15,"end":33.81,"sentiment":"neutral","sentiment_score":-0.05256721377372742},{"text":"Pretty much, like, all the other states decide to declare a public holiday, but Queensland only declare the holiday if it's on a if if Anzac Day falls on a Sunday.","start":33.870003,"end":44.025,"sentiment":"neutral","sentiment_score":-0.060539770510888866}],"sentiment":"neutral","sentiment_score":-0.06390137494438225,"channel":0,"num_words":36,"start":31.150002,"end":44.025},{"sentences":[{"text":"Oh, okay.","start":44.325,"end":44.965,"sentiment":"neutral","sentiment_score":0.009603051468729973},{"text":"Fair enough.","start":44.965,"end":45.525,"sentiment":"neutral","sentiment_score":0.013572528026998043},{"text":"Yeah.","start":45.525,"end":45.765,"sentiment":"neutral","sentiment_score":0.0020777489989995956},{"text":"And I was probably apologizing with the stress.","start":45.765,"end":47.925,"sentiment":"neutral","sentiment_score":-0.18692681333050132},{"text":"Also, it must have been over there as well.","start":47.925,"end":49.685,"sentiment":"neutral","sentiment_score":-0.130600791838434}],"sentiment":"neutral","sentiment_score":-0.11919966932724822,"channel":1,"num_words":22,"start":44.325,"end":49.685},{"sentences":[{"text":"So it's kinda like I think","start":49.685,"end":51.305,"sentiment":"neutral","sentiment_score":-0.08519663413365682}],"sentiment":"neutral","sentiment_score":-0.08519663413365682,"channel":1,"num_words":6,"start":49.685,"end":51.305},{"sentences":[{"text":"I","start":52.085,"end":52.245003,"sentiment":"neutral","sentiment_score":-0.1110992431640625}],"sentiment":"neutral","sentiment_score":-0.1110992431640625,"channel":0,"num_words":1,"start":52.085,"end":52.245003},{"sentences":[{"text":"oh,","start":52.165,"end":52.405,"sentiment":"neutral","sentiment_score":-0.070027194917202}],"sentiment":"neutral","sentiment_score":-0.070027194917202,"channel":1,"num_words":1,"start":52.165,"end":52.405},{"sentences":[{"text":"know.","start":52.245003,"end":52.745003,"sentiment":"neutral","sentiment_score":-0.06804050505161285}],"sentiment":"neutral","sentiment_score":-0.06804050505161285,"channel":0,"num_words":1,"start":52.245003,"end":52.745003},{"sentences":[{"text":"good.","start":52.405,"end":52.905,"sentiment":"neutral","sentiment_score":0.0793367475271225},{"text":"Bye.","start":52.92,"end":53.42,"sentiment":"neutral","sentiment_score":0.0365438275039196}],"sentiment":"neutral","sentiment_score":0.05794028751552105,"channel":1,"num_words":2,"start":52.405,"end":53.42},{"sentences":[{"text":"Nope.","start":53.21,"end":53.71,"sentiment":"neutral","sentiment_score":-0.03186028450727463},{"text":"So so on","start":54.01,"end":54.809998,"sentiment":"neutral","sentiment_score":-0.014578851871192455}],"sentiment":"neutral","sentiment_score":-0.018899210030213,"channel":0,"num_words":4,"start":53.21,"end":54.809998},{"sentences":[{"text":"No","start":54.679996,"end":55.0,"sentiment":"neutral","sentiment_score":-0.036228034645318985}],"sentiment":"neutral","sentiment_score":-0.036228034645318985,"channel":1,"num_words":1,"start":54.679996,"end":55.0},{"sentences":[{"text":"Australian.","start":54.809998,"end":55.309998,"sentiment":"neutral","sentiment_score":-0.031220529228448868}],"sentiment":"neutral","sentiment_score":-0.031220529228448868,"channel":0,"num_words":1,"start":54.809998,"end":55.309998},{"sentences":[{"text":"worries.","start":55.0,"end":55.5,"sentiment":"neutral","sentiment_score":-0.01941510289907455},{"text":"Yeah.","start":56.28,"end":56.78,"sentiment":"neutral","sentiment_score":0.013663213700056076}],"sentiment":"neutral","sentiment_score":-0.0028759445995092375,"channel":1,"num_words":2,"start":55.0,"end":56.78},{"sentences":[{"text":"Anyway, just to let you","start":57.53,"end":58.73,"sentiment":"neutral","sentiment_score":0.0485282339155674}],"sentiment":"neutral","sentiment_score":0.0485282339155674,"channel":0,"num_words":5,"start":57.53,"end":58.73},{"sentences":[{"text":"Good.","start":58.679996,"end":59.179996,"sentiment":"neutral","sentiment_score":0.09644630551338196}],"sentiment":"neutral","sentiment_score":0.09644630551338196,"channel":1,"num_words":1,"start":58.679996,"end":59.179996},{"sentences":[{"text":"know, our calls are recorded.","start":58.73,"end":60.27,"sentiment":"neutral","sentiment_score":0.06972729563713073},{"text":"And then if I could just get you to go do a quick security for me, just full name, date of birth, and address.","start":61.129997,"end":65.71,"sentiment":"neutral","sentiment_score":0.06927846278995275}],"sentiment":"neutral","sentiment_score":0.06935584776360414,"channel":0,"num_words":29,"start":58.73,"end":65.71},{"sentences":[{"text":"Yeah.","start":66.245,"end":66.485,"sentiment":"neutral","sentiment_score":0.04618864506483078},{"text":"It's Michelle Mcdars in the code.","start":66.485,"end":68.165,"sentiment":"neutral","sentiment_score":0.040015570198496185},{"text":"25th Of 974 in Fort Upper Court, Motorvale.","start":68.165,"end":71.305,"sentiment":"neutral","sentiment_score":0.036122542805969715}],"sentiment":"neutral","sentiment_score":0.038350827246904376,"channel":1,"num_words":15,"start":66.245,"end":71.305},{"sentences":[{"text":"Perfection.","start":72.745,"end":73.245,"sentiment":"neutral","sentiment_score":0.29657700657844543},{"text":"Alright.","start":73.945,"end":74.445,"sentiment":"neutral","sentiment_score":0.09747102111577988},{"text":"So we wanna just go through and have a bit of a chat with yourself With yourself?","start":74.985,"end":82.38,"sentiment":"neutral","sentiment_score":0.08123939046088387}],"sentiment":"neutral","sentiment_score":0.0934272455541711,"channel":0,"num_words":19,"start":72.745,"end":82.38},{"sentences":[{"text":"Yeah.","start":82.07,"end":82.39,"sentiment":"neutral","sentiment_score":0.025006040930747982},{"text":"And yeah.","start":82.39,"end":84.229996,"sentiment":"neutral","sentiment_score":0.024564972147345543},{"text":"And Troy, just just to go over a few little things, that was all.","start":84.229996,"end":88.09,"sentiment":"neutral","sentiment_score":0.02778879094070622}],"sentiment":"neutral","sentiment_score":0.02724582696443095,"channel":1,"num_words":17,"start":82.07,"end":88.09},{"sentences":[{"text":"Yeah.","start":88.28,"end":88.78,"sentiment":"neutral","sentiment_score":0.03375161439180374}],"sentiment":"neutral","sentiment_score":0.03375161439180374,"channel":0,"num_words":1,"start":88.28,"end":88.78},{"sentences":[{"text":"By the way, I with the welcome call I got on Friday, she sent me paperwork or email through, but it came through as peak Pinnacle, I think it was, financial.","start":89.51,"end":100.875,"sentiment":"neutral","sentiment_score":0.0302284371348158},{"text":"Is it you guys all linked together or because the emails I've got, like, for the new login for super and stuff come up with peak clinical.","start":103.575,"end":114.509995,"sentiment":"neutral","sentiment_score":0.017129848711192608},{"text":"Does that make sense?","start":114.97,"end":116.03,"sentiment":"neutral","sentiment_score":0.021817805245518684},{"text":"So you're with OPU.","start":116.09,"end":117.45,"sentiment":"neutral","sentiment_score":0.0075626615434885025},{"text":"Yeah?","start":117.45,"end":117.95,"sentiment":"neutral","sentiment_score":0.00907555129379034}],"sentiment":"neutral","sentiment_score":0.022778878878079244,"channel":1,"num_words":67,"start":89.51,"end":117.95},{"sentences":[{"text":"Which is","start":118.09,"end":118.57,"sentiment":"neutral","sentiment_score":0.003432636149227619}],"sentiment":"neutral","sentiment_score":0.003432636149227619,"channel":1,"num_words":2,"start":118.09,"end":118.57},{"sentences":[{"text":"Yeah.","start":118.34,"end":118.84,"sentiment":"neutral","sentiment_score":0.005090375430881977}],"sentiment":"neutral","sentiment_score":0.005090375430881977,"channel":0,"num_words":1,"start":118.34,"end":118.84},{"sentences":[{"text":"who we're going through?","start":118.57,"end":119.95,"sentiment":"neutral","sentiment_score":-0.008903279434889555}],"sentiment":"neutral","sentiment_score":-0.008903279434889555,"channel":1,"num_words":4,"start":118.57,"end":119.95},{"sentences":[{"text":"Yeah.","start":120.275,"end":120.775,"sentiment":"neutral","sentiment_score":-0.009244327433407308},{"text":"No.","start":121.315,"end":121.815,"sentiment":"neutral","sentiment_score":-0.05867519974708557},{"text":"Pink Pinnacle is can I get you to forward the email to me?","start":122.115005,"end":126.775,"sentiment":"neutral","sentiment_score":-0.020243031080239095}],"sentiment":"neutral","sentiment_score":-0.022071928748240075,"channel":0,"num_words":15,"start":120.275,"end":126.775},{"sentences":[{"text":"Yeah.","start":127.055,"end":127.455,"sentiment":"neutral","sentiment_score":0.0041448697447776794},{"text":"Yeah.","start":127.455,"end":127.775,"sentiment":"neutral","sentiment_score":-0.0005183792673051357},{"text":"I can't.","start":127.775,"end":128.255,"sentiment":"neutral","sentiment_score":-0.27630460262298584},{"text":"Because I I just because I thought it's it's okay that I'm going through, and then I was like, I've been","start":128.255,"end":132.815,"sentiment":"neutral","sentiment_score":-0.22588174506312325}],"sentiment":"neutral","sentiment_score":-0.21169997444376348,"channel":1,"num_words":25,"start":127.055,"end":132.815},{"sentences":[{"text":"Yeah.","start":132.68999,"end":133.18999,"sentiment":"neutral","sentiment_score":-0.26832786202430725}],"sentiment":"neutral","sentiment_score":-0.26832786202430725,"channel":0,"num_words":1,"start":132.68999,"end":133.18999},{"sentences":[{"text":"panicking all weekend.","start":132.815,"end":133.955,"sentiment":"negative","sentiment_score":-0.4813810388247172}],"sentiment":"negative","sentiment_score":-0.4813810388247172,"channel":1,"num_words":3,"start":132.815,"end":133.955},{"sentences":[{"text":"Yeah.","start":134.68999,"end":135.18999,"sentiment":"neutral","sentiment_score":-0.028679117560386658}],"sentiment":"neutral","sentiment_score":-0.028679117560386658,"channel":0,"num_words":1,"start":134.68999,"end":135.18999},{"sentences":[{"text":"So, yeah, I just wanted to know.","start":136.19,"end":137.95,"sentiment":"neutral","sentiment_score":0.08017251534121377},{"text":"And she's the one I spoke to on Friday, obviously, to book this in for you today, and I was waiting to hear back because she did ring me 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and I will be hearing from you or you're hearing from me shortly.","start":2197.2551,"end":2201.675,"sentiment":"positive","sentiment_score":0.5783465038985014}],"sentiment":"positive","sentiment_score":0.5783465038985014,"channel":1,"num_words":16,"start":2197.2551,"end":2201.675},{"sentences":[{"text":"He 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Lisa.","start":2204.135,"end":2204.955,"sentiment":"positive","sentiment_score":0.5795556306838989},{"text":"Alright.","start":2205.175,"end":2205.675,"sentiment":"positive","sentiment_score":0.3833250403404236}],"sentiment":"positive","sentiment_score":0.5141454339027405,"channel":1,"num_words":3,"start":2204.135,"end":2205.675},{"sentences":[{"text":"Bye.","start":2205.6,"end":2206.1,"sentiment":"positive","sentiment_score":0.3667430281639099}],"sentiment":"positive","sentiment_score":0.3667430281639099,"channel":0,"num_words":1,"start":2205.6,"end":2206.1},{"sentences":[{"text":"Cheers.","start":2205.735,"end":2206.235,"sentiment":"positive","sentiment_score":0.6083277463912964},{"text":"Bye.","start":2206.695,"end":2207.195,"sentiment":"neutral","sentiment_score":-0.11116808652877808}],"sentiment":"neutral","sentiment_score":0.24857982993125916,"channel":1,"num_words":2,"start":2205.735,"end":2207.195}]},"summary":{"result":"success","short":"Lourissa from OP Financial calls Michelle to confirm her appointment and discuss her loan and account with OPU. They discuss the details of her financial situation and the possibility of changing her contribution to Hester. The speakers also discuss her plans to use her equity to pay off her mortgage and potentially buy an apartment or townhouse to look at in as a retirement down the track. They emphasize the importance of updating financial information and considering shifting debt to investment properties. The speakers also mention a recent holiday and emphasize the importance of updating the financial services guide."},"intents":{"segments":[{"text":"I had you scheduled in to talk with yourself and your husband. Yeah.","start_word":23,"end_word":35,"intents":[{"intent":"Schedule conversation","confidence_score":0.033731375}]},{"text":"And she's the one I spoke to on Friday, obviously, to book this in for you today, and I was waiting to hear back because she did ring me today. Yeah.","start_word":369,"end_word":399,"intents":[{"intent":"Book appointment","confidence_score":0.2111874}]},{"text":"Because I I just got, like, these North online temporary password, I think it was.","start_word":402,"end_word":416,"intents":[{"intent":"Provide temporary password","confidence_score":0.030924974}]},{"text":"com Yep. dot e. That is u guys? Yeah.","start_word":429,"end_word":437,"intents":[{"intent":"Provide information","confidence_score":0.13501653}]},{"text":"Can you if I send you an email now, are you able to forward that to me? Yeah.","start_word":596,"end_word":613,"intents":[{"intent":"Send email","confidence_score":0.23271619}]},{"text":"And Hester sent me confirmation that you've taken the money already.","start_word":650,"end_word":660,"intents":[{"intent":"Confirm receipt of money","confidence_score":0.02728828}]},{"text":"I've forward the email, and I'll have a look at it. Okay.","start_word":701,"end_word":712,"intents":[{"intent":"Receive email","confidence_score":0.011564289}]},{"text":"And I didn't get to I didn't think to ask what the email come through, what group I'd if it's not on the overview, what it was to log in and do all that stuff.","start_word":749,"end_word":783,"intents":[{"intent":"Log in","confidence_score":0.04551524}]},{"text":"So we have been to see our tax accountant Yeah.","start_word":941,"end_word":950,"intents":[{"intent":"Check payroll information","confidence_score":0.000017205382},{"intent":"Receive tax accountant call","confidence_score":0.005007117}]},{"text":"we did the 65% into super, it would still bring us down to half of that. So instead of being 30,000 each, it'll be 16,000 each. We'd still have to pay capital gains. Yes.","start_word":1016,"end_word":1049,"intents":[{"intent":"Address capital gains","confidence_score":0.0069899284}]},{"text":"I just wanted to make sure that was confirmed, Correct.","start_word":1672,"end_word":1681,"intents":[{"intent":"Confirm decision","confidence_score":0.012314447}]},{"text":"Can I still get advice on if we wanna do it, like, the broker? Like, you said you could help us with brokers if we decide to use the house of equity to then go and Yeah.","start_word":1729,"end_word":1765,"intents":[{"intent":"Get advice on using house of equity","confidence_score":0.20863128}]},{"text":"probably gonna sort of leaning to just leaving the money in the offset account trying to bring our principal down and using that money in the offset account as savings for when, like, in if we leave it there and just keep using it to pay off principal.","start_word":1771,"end_word":1818,"intents":[{"intent":"Use offset account","confidence_score":0.38689348}]},{"text":"much if we start pumping money into the principal and bring it down really quickly in the next five years, get back to sort of if we're paying $500 a week into it Yes.","start_word":1896,"end_word":1929,"intents":[{"intent":"Invest money in retirement","confidence_score":0.0009364084}]},{"text":"we I can call you for to get like, you said you had a broker on board. Is that does that come by through you? Yeah.","start_word":1979,"end_word":2004,"intents":[{"intent":"Connect with broker","confidence_score":0.24325654}]},{"text":"I can connect you with her, and and and you guys can have a meeting and and Yeah.","start_word":2006,"end_word":2023,"intents":[{"intent":"Have a meeting","confidence_score":0.036220007}]},{"text":"No. I I'd I'd make an appointment. I wouldn't just Yeah. harass Yeah. you on the phone But like that. I wouldn't do that. I would just be like because I'll make an appointment in a week or two for this date to have a talk about any concerns or yeah. Absolutely.","start_word":2343,"end_word":2394,"intents":[{"intent":"Schedule appointment","confidence_score":0.7592968}]},{"text":"We'll have a look at my calendar and see what works and what works for you and pop a pop an appointment in the calendar so that way we can, yeah, meet, discuss, and Yes.","start_word":2452,"end_word":2486,"intents":[{"intent":"Plan meeting","confidence_score":0.016741464}]},{"text":"per that, and she said that ended up being $20.29, I think, that Troy had to pay, and I had to pay 25, I think it was. Yeah.","start_word":3889,"end_word":3916,"intents":[{"intent":"Inquire about bill amount","confidence_score":0.0032239282}]},{"text":"Which I've I've that done the amount? rough I've done the rough calculations for you based on how much you take out of the offset. Yeah.","start_word":4568,"end_word":4593,"intents":[{"intent":"Calculate tax amount","confidence_score":0.019953027}]},{"text":"We still be paying and that leaves it on a 170 in that mortgage, which I think ended up being 70, I think he worked out. 70,000, 77,000 interest we'd be paying on top of that. So it wouldn't be worth it because, like, we're only paying 25 to the tax you know, we're not gonna get it back. But we'd be paying more in that interest on our loan over the period of time.","start_word":4615,"end_word":4689,"intents":[{"intent":"Calculate interest rate","confidence_score":0.009167658}]},{"text":"And that's when we've got 340,000 sitting there in six years if we're now and tighten our belts and pay that mortgage off why we don't have to pay interest. Yeah. Thinking.","start_word":5021,"end_word":5052,"intents":[{"intent":"Optimize mortgage payments","confidence_score":0.090189025}]},{"text":"And we've also got the one where we're not just paying the tax off, keeping the money in the offset account, and just hammering our principal down. So there are three options I three I or four mean, options I would, that we're looking at.","start_word":5337,"end_word":5381,"intents":[{"intent":"Explain payment options","confidence_score":0.0024859137}]},{"text":"It'll be that 37,000 to let bring us level with the mortgage so we still have to pay interest and then just hammer out our mortgage off. Yeah.","start_word":5700,"end_word":5727,"intents":[{"intent":"Negotiate payment plan","confidence_score":0.00003941838}]},{"text":"It's just just not knowing which is the right path to choose. Like, yeah.","start_word":5806,"end_word":5819,"intents":[{"intent":"Understand financial decision","confidence_score":0.006011148},{"intent":"Understand financial decisions","confidence_score":0.0013798068}]},{"text":"So that I have to I said, do you have to learn think about the long term, like, in ten years for me anyway Yeah.","start_word":6010,"end_word":6034,"intents":[{"intent":"Learn about long-term outcome","confidence_score":0.0037962028}]},{"text":"It's gonna be gaining money or interest, whatever we you know, from the stock market. The growth from that will be coming in as well. Yeah.","start_word":6051,"end_word":6076,"intents":[{"intent":"Gain money","confidence_score":0.37342572}]},{"text":"For the long term, so when we file, we'll have a big amount of money sitting there anyway, and we can probably use it then to pay off the mortgage we've got now if we don't sell Yeah.","start_word":6077,"end_word":6114,"intents":[{"intent":"Pay mortgage","confidence_score":0.31853792},{"intent":"Determine balance","confidence_score":0.00046399105}]},{"text":"And there's there's also the consideration that, you know, whilst you guys wanna, you know, have have your current house, you know, with no mortgage or very little, if we're gonna go and get an investment property or go and buy a unit, that position is gonna change.","start_word":6119,"end_word":6166,"intents":[{"intent":"Change position","confidence_score":0.16324416},{"intent":"Recognize asset","confidence_score":0.00019368195}]},{"text":"It's all just How about do you shift refinancing. it?","start_word":6243,"end_word":6252,"intents":[{"intent":"Understand process","confidence_score":0.033600867}]},{"text":"Is that how it works? Definitely does.","start_word":6299,"end_word":6305,"intents":[{"intent":"Seek guidance","confidence_score":0.0004043002}]},{"text":"Otherwise, I'll just I'll schedule you in within the next sort of two or three days to have That's a chat.","start_word":6726,"end_word":6746,"intents":[{"intent":"Schedule appointment","confidence_score":0.07923508}]}]},"sentiments":{"segments":[{"text":"Hello? Good afternoon. Good afternoon, Michelle. It's Larissa how from OP Financial. How are you going?","start_word":0,"end_word":15,"sentiment":"neutral","sentiment_score":0.21904051303863523},{"text":"I'm good. Thank you. Good. That's good.","start_word":16,"end_word":22,"sentiment":"positive","sentiment_score":0.5921112298965454},{"text":"I had you scheduled in to talk with yourself and your husband. Yeah. I'm surprised it's a public holiday. I'm on Friday, I have to be hung up. I said, oh my god. It's public holiday on Monday. No. It's actually not a public holiday for us in Queensland. So Oh, okay. I am Fair enough. working away. Yep. I know. Pretty much, like, all the other states decide to declare a public holiday, but Queensland only declare the holiday if it's on a if if Anzac Day falls on a Sunday. Oh, okay. Fair enough. Yeah. And I was probably apologizing with the stress. Also, it must have been over there as well. So it's kinda like I think I oh, know. good. Bye. Nope. So so on No Australian. worries. Yeah. Anyway, just to let you Good. know, our calls are recorded. And then if I could just get you to go do a quick security for me, just full name, date of birth, and address. Yeah. It's Michelle Mcdars in the code. 25th Of 974 in Fort Upper Court, Motorvale. Perfection. Alright. So we wanna just go through and have a bit of a chat with yourself With yourself? Yeah. And yeah. And Troy, just just to go over a few little things, that was all. Yeah. By the way, I with the welcome call I got on Friday, she sent me paperwork or email through, but it came through as peak Pinnacle, I think it was, financial. Is it you guys all linked together or because the emails I've got, like, for the new login for super and stuff come up with peak clinical. Does that make sense? So you're with OPU. Yeah? Which is Yeah. who we're going through? Yeah. No. Pink Pinnacle is can I get you to forward the email to me? Yeah. Yeah. I can't. Because I I just because I thought it's it's okay that I'm going through, and then I was like, I've been Yeah.","start_word":23,"end_word":357,"sentiment":"neutral","sentiment_score":-0.04087408532513612},{"text":"panicking all weekend.","start_word":358,"end_word":360,"sentiment":"negative","sentiment_score":-0.4626942574977875},{"text":"Yeah. So, yeah, I just wanted to know. And she's the one I spoke to on Friday, obviously, to book this in for you today, and I was waiting to hear back because she did ring me today. Yeah. So yeah. Because I I just got, like, these North online temporary password, I think it was. Yep. Let's see. Is that is that right, though? North Yes. @amp.com Yep. dot e. That is u guys? Yeah. Well, I mean, that's the super fund, but yes. Yep. That's the fund that we set up for you, and that that's just all connected to you being able to log in to your, like, account. Yep. Sorry. I just gotta find it. No. You're still fine. Peak Financial Peak Pinnacle Financial Limited. I got one as well. And I'm pretty sure they came in straight after she sort of said to me, I'll send you an email through. Yeah. Because Peaks, I think, is who Troy goes through, but it's in my name. And they're the ones that, well, when I spoke to Fabio, the or the first time with this went around a cup a month or two ago that they couldn't help me. So I thought, oh, whatever. And then you guys come back and said you could do it with a Yeah. benefit than staying with Hester. So yeah. Yeah. So think financial services. Yeah. Can you if I send you an email now, are you able to forward that to me? Yeah. I can. It came with two yeah. So I I I just wasn't sure what was going on because I'm pretty sure Yeah. that you guys going with you guys and sort of paperwork for you. And Hester sent me confirmation that you've taken the money already. And I then thought, oh my god. What have I done? So I thought you're reviewing today. I said, no. That's good then. It was like, I'm not being you know, just having, like, a peak freak. Yeah. No. No. I've forward the email, and I'll have a look at it. Okay.","start_word":361,"end_word":712,"sentiment":"neutral","sentiment_score":0.036985280029264024},{"text":"That'd be good.","start_word":713,"end_word":715,"sentiment":"positive","sentiment_score":0.4119022488594055},{"text":"Yeah. Because I don't know if because the super team, if that was because it's under that group, and then I'm not not sure if it's just like an extended thing. But yeah. And I didn't get to I didn't think to ask what the email come through, what group I'd if it's not on the overview, what it was to log in and do all that stuff. Yeah. So I because we got product holiday out, but I was just gonna do it tomorrow or Wednesday, get it on and log it all in and stuff like that. So No. That's so fine. No. I'm I'm here.","start_word":716,"end_word":823,"sentiment":"neutral","sentiment_score":0.021096140146255493},{"text":"I'm ready to go. Cool. Thank you for that.","start_word":824,"end_word":832,"sentiment":"positive","sentiment_score":0.5150187015533447},{"text":"I was just waiting for your email to come through Yeah. with that. Yeah. Because I just thought, oh my god. Okay. Is it north at AMP? I don't know if that's just it says super, but it was the person I'm speaking to. It just all happened then, like because I said Pete had rang me as well and a lot I don't know who it was. She said it was a welcome message, welcome to, which is what you said when I spoken to you this Yeah. Friday. Then I got the pink peak pinnacle come through. I was thinking, oh, what's going on? Anyway yeah. So we have been to see our tax accountant Yeah. Perfect. last week, and she said what they do is they they take it on the whole amount of a 130, and then that gets divided into two because you get 50 Yep. percent Correct. Yep. off. Yeah. It's left at 65. But it looked like that we needed she said to cover estimate would be roughly 55 to 60,000 for tax. If Yep. we did the 65% into super, it would still bring us down to half of that. So instead of being 30,000 each, it'll be 16,000 each. We'd still have to pay capital gains. Yes. But on the losing side of that is that it takes more out of our we'd have to pay more on our mortgage anyway over the six to whatever. I think we couldn't redraw that out. Is that right? We can't redraw the 60,000 out or 65 out until we retire. So Is if that you right? yeah. Whatever money you put into the super funds, you wouldn't Yeah. be able to, like, pull out until at least age 60. So Yeah. it Yeah. it it is sort of a a a bit of a catch 22. You either pay the taxes and it's gone to the ATO and you'll never get that money back. It is what it is. Or you put into super funds, you can't touch it until 60, but it's not gone gone to the ATO when it's just it's, you know, doing its thing working for Yeah. you for now. Yeah. Because I think it worked out. It was gonna cost if we kept the money in the offset account to pay our principal down. Well, we still have I think we end up paying 90,000 in interest over that period of time or a bit Yes. more. So, you know, my husband said, well, we probably better off paying the tax guy and saving the $90 and then just I don't know. He said he'd talk to you. I just gotta find him at the moment. Just walk He's away. hiding somewhere. Yeah. Yeah. So yeah. So we still haven't decided what is the best way to go about that for the capital gains. Yeah. So we're still sitting on it. But I think he had a couple of questions. I hope that's fine. Give me a second. No. Go find him. Absolutely. I've got this lady on the financial services. It's got me on Friday. The guy lady we talked to on Friday. He's just getting dressed. Sorry.","start_word":833,"end_word":1373,"sentiment":"neutral","sentiment_score":-0.01503500911835822},{"text":"That's okay.","start_word":1374,"end_word":1375,"sentiment":"positive","sentiment_score":0.35325828194618225},{"text":"Let him do that. Yeah. So yeah. Anyway yeah. So we haven't quite decided what we we do with that regarding that. So I know we've only got a few a few a week or two to decide. You don't have a week or two. You I mean, realistically, you have you have until the June before you have Yeah. to make any decisions. I would recommend that you don't make any like, that you have your resolute decision done by, like, the June 15, so mid June. So that way you're able to execute and pay any money that you need to pay. If you wait any longer just with bank transfer times, the Yes. amount of stuff that happens during that period of time, you don't wanna Yes. don't get me wrong. I have had people make a payment on, like, the Friday before end of financial year ends, and we get it we get it done, it's a generally, can be a bit of a hard push because it doesn't it takes time for the depending on how much money for it to Yes. leave your bank account, land with the the super fund, and go and do all stuff from there. And after the financial year rolls, June 30, there's nothing you can do. It's whatever's done is done. Done. Yeah. Fair enough. Well, yeah, they would definitely make a decision before then Yeah. regarding that. Alright. Oh, my head's gone blank. There was a couple of things I was gonna ask you. So when I spoke to a lady on Friday, I said that you said I didn't have to change my contribution that my employer do into I stayed in Hester. She didn't know that. And I said, oh, look. I just wanted to make sure that was confirmed, Correct. that I don't Correct. have to change. It still No. goes in there. They stay go still going to Hesper's very much. Yes. Yeah. Cool. Alright. No worries. And if I decide to not put the money into the Hester into the super. Superfund. Yep. Yeah. Can I still get advice on if we wanna do it, like, the broker? Like, you said you could help us with brokers if we decide to use the house of equity to then go and Yeah. because I think Go we're again. probably gonna sort of leaning to just leaving the money in the offset account trying to bring our principal down and using that money in the offset account as savings for when, like, in if we leave it there and just keep using it to pay off principal. So they then when we do sort of semi retired, we'll have a lump sum money there to then pop back into super and then Yep. use or whatever we decide to do at that point in time Yeah. at this stage. Because at the moment, we have to pay the capital gains that leaves us with only 37 left in our mortgage to pay that we'd actually be interest on anyway, which wouldn't be that Yeah. much if we start pumping money into the principal and bring it down really quickly in the next five years, get back to sort of if we're paying $500 a week into it Yes. Yep. each to bring that down. So that's what we're sort of roughly looking at at this stage of doing. But we do still wanna buy an apartment or a townhouse of some sort to sort of look at in as a retirement down the track. So would Yes. we I can call you for to get like, you said you had a broker on board. Is that does that come by through you? Yeah. Yeah. I can connect you with her, and and and you guys can have a meeting and and Yeah. and just sort of have a look at what serviceability looks like Mhmm. Yep. And and yet go from there. Because that that's the best way to always do it is to have a look at serviceability, see what, you know, your interest rate roughly would be, how much your borrowed borrowing capacity would be, what that looks like from a financial position. Her and I can Yeah. can talk and and, you know, obviously, keep you in the loop at every stage, and and and we can kind of budgetarily make sure that it functions works Yeah.","start_word":1376,"end_word":2121,"sentiment":"neutral","sentiment_score":0.008221060876552284},{"text":"That would be wonderful.","start_word":2122,"end_word":2125,"sentiment":"positive","sentiment_score":0.7178756594657898},{"text":"Just to go that yeah.","start_word":2126,"end_word":2130,"sentiment":"neutral","sentiment_score":0.32644522190093994},{"text":"That for would be wonderful.","start_word":2131,"end_word":2135,"sentiment":"positive","sentiment_score":0.6995409727096558},{"text":"I you. still haven't Yeah. got that email through. Hang on. Let me go and see.","start_word":2136,"end_word":2151,"sentiment":"neutral","sentiment_score":-0.07935445010662079},{"text":"I've been getting a lot of going through spam lately.","start_word":2152,"end_word":2161,"sentiment":"negative","sentiment_score":-0.3932671844959259},{"text":"Oh, there it is. Wouldn't It's in spam. yep. Cool. I was like, I sent it. I hope I sent it Yeah. to the right Yeah. place. No.","start_word":2162,"end_word":2189,"sentiment":"neutral","sentiment_score":-0.0656839907169342},{"text":"I think I'm just looking keep looking at my phone, and I I've just had a hold of this email from my son with his stuff, and it's all going to spam because he said, I didn't receive any of it.","start_word":2190,"end_word":2230,"sentiment":"negative","sentiment_score":-0.3944218158721924},{"text":"Oh my god. I just moved that into a different file. Okay. Yeah. Because I just I just got a bit like I said, I just got a bit of a heart attack over the weekend. Yeah. Alright. So if I for me, the point of call, like, if I wanna know about the super fund, I can contact you. Are you the one to my porta call, or do I just get any Yeah. get anyone? You'll you'll call through, and you'll you'll get my admin staff at the first point. It's very, very rare that I'm available enough to be able to just pick up the phone. Yeah. Oh, no. No. I I'd I'd make an appointment. I wouldn't just Yeah. harass Yeah. you on the phone But like that. I wouldn't do that. I would just be like because I'll make an appointment in a week or two for this date to have a talk about any concerns or yeah. Absolutely. I can't And log you have my a you have my email address, so you can always just quickly flick an email through and schedule appointment that way too. on. Yeah. But yeah.","start_word":2231,"end_word":2427,"sentiment":"neutral","sentiment_score":-0.059674736112356186},{"text":"Cool.","start_word":2428,"end_word":2428,"sentiment":"positive","sentiment_score":0.37414687871932983},{"text":"If yeah. Sometimes it's just easy to just jump on the phone and and they'll be able to, yeah, schedule an appointment. We'll have a look at my calendar and see what works and what works for you and pop a pop an appointment in the calendar so that way we can, yeah, meet, discuss, and Yes.","start_word":2429,"end_word":2485,"sentiment":"neutral","sentiment_score":0.3006656556798701},{"text":"you can bring any questions. If you have questions that you wanna email through to me, you can do it that way. That way I'm at least a little bit prepared for whatever you might throw my way, but I'm always happy Yeah.","start_word":2486,"end_word":2528,"sentiment":"positive","sentiment_score":0.5072758197784424},{"text":"to ad hoc Oh, it yeah. as well. Yeah. No. I wouldn't do that to you. I just yeah. I just want to make sure that yeah. I've because like I said, it's all done over the phone. It's very hard because you're not seeing in person. You're not seeing it's Yeah. all sort of, like, taking out the Internet and just getting all these emails, and I'm not very tech savvy. No. And, look, So we can always we can always do a, like, a video call as well. I can, like, send you an email. You just have to click on the link, and it will do it all for you, and we can meet virtually that way.","start_word":2529,"end_word":2648,"sentiment":"neutral","sentiment_score":0.02860632911324501},{"text":"Yeah. Cool. That yeah. It's just bit of reassurance for me as well because then I know that I'm actually talking to someone on the other line, and I know that that it's a good sort of thing.","start_word":2649,"end_word":2686,"sentiment":"positive","sentiment_score":0.5520046353340149},{"text":"Yeah. Yeah. Sorry. No. I'm I get just it. trying to forward this. Oh my shit. Do technological things at the same time as you're talking. You're okay. It's a Monday Yeah. morning It's as well. I'm trying to forward, but every time I try to forward, your name doesn't come up. So I can't, like, it doesn't automatically go to maybe Into if I it. do that. Yeah. It just I said I'm not very tech savvy. I'll forward this to you anyway because instead of going a bit confused. And then I thought, she say the lady that spoke to me on Friday, this and that. My husband said, well, I didn't actually catch what she said at the beginning. But I said she referred everything you had said to me prior to that. So, like, I wasn't that unsure, but it was just that I've got clinical and then I got the north, which I wanted to ask today if you rang, if that was the correct Yeah. thing that I need to do. Yeah. No. So North is so you would have received two emails from North. One would have Yep. been, like, the welcome to your account. This is your account login details. And then the second one would have been, like, here's your temporary password. The look. The temporary password will be expired by now, which is fine. It's just you use it when you log in to the first time. So when you go to log in, you'll just say forgot password. Because a temporary password, if memory serves, Yep. only lasts for twenty four hours. Yeah. I just I think I've only just received it. This morning? Yeah, this morning at 5AM.","start_word":2687,"end_word":2976,"sentiment":"neutral","sentiment_score":-0.020757400321549383},{"text":"I got Oh, perfect.","start_word":2977,"end_word":2980,"sentiment":"positive","sentiment_score":0.34991297125816345},{"text":"the temporary password, Yeah. and the other one I got on the twenty fourth. Because she said to me, wait till beginning of the week before they might to set up. Yeah. So Yeah. Because yeah. So I I helped Jordan, which is who you spoke to on Friday. I helped Jordan process your application on Friday. yep. And sometimes Friday applications might not go through the system until Monday, but it seems like it might have might have gone through nicely last Friday before the weekend Yeah. hit. Yeah. So I see that she said right at the beginning of the week, and I thought today's probably holiday, but I will I will get on and do that just after I speak finish speaking to you. Yeah. So I've just sent that email through to you because like I said, I got a bit confused in a bit. Okay.","start_word":2981,"end_word":3130,"sentiment":"neutral","sentiment_score":-0.022252410650253296},{"text":"Because I I think the company that ran me said no. We can't help.","start_word":3131,"end_word":3144,"sentiment":"negative","sentiment_score":-0.449005514383316},{"text":"And then, like, then Savio sort of said, oh, there is go through it again. And you guys obviously said you could do make Yeah. it beneficial to change over.","start_word":3145,"end_word":3174,"sentiment":"neutral","sentiment_score":-0.06948227435350418},{"text":"Yeah. Help you in more ways than one.","start_word":3175,"end_word":3182,"sentiment":"positive","sentiment_score":0.4696058928966522},{"text":"So yeah. Not Yeah. just Then not just super the focused time is looking here at stuff. everything. Yeah. Yeah. Yeah. No. So that would be good. Alright. So I've sent that through. I think that was it because I like, Choice, he's gone off. He said, I can't talk now. I'm doing stuff and he's not in the hedge frame. He was on Friday, but he's not today. Yeah. Yeah. Cool. Alright.","start_word":3183,"end_word":3255,"sentiment":"neutral","sentiment_score":-0.05562029406428337},{"text":"So I will definitely get back to you.","start_word":3256,"end_word":3263,"sentiment":"positive","sentiment_score":0.3922407627105713},{"text":"Either way, I'll ship you an email so I don't have to bother you just to say we've decided to keep the money or we're gonna put this amount in, and then I'll let get you to email me or talk to me how to to deposit that if we go down that track into the super. Yeah. Yeah. So, like, I guess, basically, the the the crux of the the whole strategy is there's one of two directions that you can you can sort of look at things. You can either Yes. look look at the fact that the money has to go irrespective. It's a question of do you let it go to the ATO? Because you're gonna have to pay this this bill. Yep. Now Yes. with the That's ATO, it. you you can obviously Yeah. pay the ATO bill off slowly. You can just have a debt there, and you just pay it off slowly with them. You don't have to pay it as a lump sum, which means that you can keep Oh, the I money didn't in I your didn't offset. Yeah. So oh, you okay. you can work I with didn't your know accountant. that. Yeah. You can work with your accountant. You can basically set up a payment scheme, like Yep. a repaint a rep or a payment schedule. That's what I want. Or a payment schedule with the ATO, and you just you pay it off at at x amount each month. And you Yes.","start_word":3264,"end_word":3517,"sentiment":"neutral","sentiment_score":0.12276850640773772},{"text":"can have it going that way, which means that you can keep the money in your offset so you don't have to incur interest.","start_word":3518,"end_word":3541,"sentiment":"positive","sentiment_score":0.49195536971092224},{"text":"So there is that. You would need to talk with your accountant as to what that looks like from a do you incur interest with the ATO? How how you know, what will will the ATO allow us to pay it off over a couple of years? Do we have to pay it off this year? How can we you know, what what repayment schedule does it look like? Yes. Or, you know, because you're gonna have to pay it, and the money the only money that you really have available is what's sitting on in your offset, you know, rather than sending the money in your offset off to the ATO, Yep. do we put it all into our superannuation fund? That way, rather than I'm not I don't wanna use I don't wanna use the word waste, but, realistically, let's be honest, sometimes taxes are a waste of money. It's funny ways. Anyway, rather than, you know, wasting the money and sending it to the ATO for taxes, Yeah. we can put it into the super fund and pay a much smaller amount of tax than what the ATO is Yeah. currently wanting, and we can we can do it that way. The difference is is the ATO are gonna want less than what you would Yeah. have to put in your superannuation fund to offset it. Because the ATO, like, it's, you know, the the $65,000 or you know, as your as your accountant could have calculated, it's obviously a little bit different to my calculations. They have a little bit more information. But it's the $65,000 that you guys would be assessed at as your capital gains, but that's not the amount of tax you pay. You pay, you know, the 30% based on your Yeah. marginal rate. It worked out that Troy ended up being 210, so he was paying the higher Yeah. percentage. Yeah. And I He ended did hang up in a bit his more. tax yeah. I ended up Mhmm. in Correct. his tax bracket Correct. as Yeah. per that, and she said that ended up being $20.29, I think, that Troy had to pay, and I had to pay 25, I think it was. Yeah. But she said that's just the estimate she's got now. It won't be she said best to leave 55 to 60,000 out for it just in case it goes it life goes up. She said she's gonna do an estimate on what we went from last year, not this Yeah. year.","start_word":3542,"end_word":3966,"sentiment":"neutral","sentiment_score":0.032147656908149226},{"text":"Perfect.","start_word":3967,"end_word":3967,"sentiment":"positive","sentiment_score":0.5114012360572815},{"text":"Obviously, she said so if we leave the bill to be around 55 to 60, she said that will cover you for any incidentals just to make it on the safe side. But it ended up being I think it was, like, 50 something thousand we would have had to pay together. Correct. So, Yeah. So my yeah, math isn't too it too far off yeah. then. No.","start_word":3968,"end_word":4035,"sentiment":"neutral","sentiment_score":0.0405457429587841},{"text":"Well, I it did wasn't pretty too good. far off.","start_word":4036,"end_word":4045,"sentiment":"negative","sentiment_score":-0.3547910451889038},{"text":"Yeah. Yeah. You did good. So she just sort of said that just remember that it's only it's tax on the 130. She said not the 60 the 65 here. If you put 65 in, we she said we could put up to a 120,000 contribution in there on top of the 30,000 that Yep. the employer can put in. Correct. So You she guys said have you you'd guys have be carry forward room. Yeah. yeah. Yeah. So that's what she said to us. We do have carry forward room put you into that. We wanted to do it. Yeah. So so that so where that difference lies is basically the ACO is saying you owe us $55.60, whatever the case may be, because the marginal rate, if you guys wanna wipe that bill entirely, you guys would have to put in basically 65 A hundred. each. She said we'd have to put a 138 to what to what that bill would have to put a 130 each of what we earned from the beginning. We if we put the 65, we'd still be in that tax bracket. We would still have to pay because even though we only get taxed on 65, you said we would be taxed. So we would have to be half of what we've paid. So it'd be 25,000 each. We'd have to 25 to 30, we'd have to pay tax anyway even if we just put 65 each into the account. She said to wipe the capital gains altogether, we would have to put a 130 in each in our super, which is what she said. Yeah. Yeah. So we still would be taxed, but it won't be as severe I see. taxed Yeah. as what we've had before. She Yeah. said the 65, she said, you won't be you even if you put 65 in the super, we'd still be taxed on the the 130 we have each. Like, the other 65, you wouldn't get the 50% offering like that, which is what she roughly said. Said behalf of what we pay now to the tax, we still would be paying unless you put the whole 130 in. Which my husband doesn't really wanna put the 130 in to see because we won't be able to get it out until we retire. Yeah.","start_word":4046,"end_word":4436,"sentiment":"neutral","sentiment_score":-0.07545762865439705},{"text":"It's just it's too much.","start_word":4437,"end_word":4441,"sentiment":"negative","sentiment_score":-0.3913390338420868},{"text":"Yeah. And because we wanted to make sure that we bring I sort of don't have a mortgage either, so I wanted to bring that down. So yeah. So that's where he's at. Is it as well? You know what I mean? Like, it's it's just so hard confusing when you get money. It's just that it's a big call.","start_word":4442,"end_word":4501,"sentiment":"neutral","sentiment_score":-0.1854334771633148},{"text":"Can sometimes be better to be poor.","start_word":4502,"end_word":4508,"sentiment":"negative","sentiment_score":-0.3359801769256592},{"text":"Yes. Very Yeah. much so. That's difficult in discarding what we're gonna do. But Yeah. yeah. So we're still sort of niggling it all out because he's, like, thinking of what we have to pay on our interest on our mortgage as well. If we don't have the money in there, is it, like, we'd be paying anyway Yeah. Which I've I've that done the amount? rough I've done the rough calculations for you based on how much you take out of the offset. Yeah. Yeah. I know. See, that's what he said. So we still would be paying the 25,000 ish to the tax. We still be paying and that leaves it on a 170 in that mortgage, which I think ended up being 70, I think he worked out. 70,000, 77,000 interest we'd be paying on top of that. So it wouldn't be worth it because, like, we're only paying 25 to the tax you know, we're not gonna get it back. But we'd be paying more in that interest on our loan over the period of time. I think you put ten years six to ten years on that. Yeah. So that's how he's worked it. Yeah. Yeah. So he said, oh, is it worth it if we just pay the 25 or we pay the 60, and then we're we're paying roughly what we've been paying in interest extra on our mortgage instead of bringing our principal down now with what we've got. Does that make sense? Yeah. I No. know the It way does he explained it. it does it Yeah.","start_word":4509,"end_word":4774,"sentiment":"neutral","sentiment_score":-0.07236902317718456},{"text":"makes perfect sense.","start_word":4775,"end_word":4777,"sentiment":"positive","sentiment_score":0.4056757688522339},{"text":"It's just it's it's a matter of can you like, of of of weighing up the two fiscal outcomes or Yeah. financial outcomes, and then also looking at well, because we have all the money sitting in the offset, could we put you know, if we do take from the offset and and create a bit of a a bill, can we then make sure that we're, you know, not being a little bit more frugal, putting more money back into the offset and just absolutely, Yes. like, hammering money into the offset to bring it back up. Because Yes. we we we previously had a mortgage. We were previously paying for our mortgage, then we sold the block of land. Now we don't have to put money into the mortgage. That money has gone somewhere. It's going towards other expenses living a little bit less frugally because we don't have that mortgage to consider or think about. So maybe it's a matter of taking a step back, tightening that belt a little bit, going back to pretending like we do have a mortgage, and just literally putting money as much as possible back into that offset. Yeah. Well, that's what he's planning on doing. He's planning on just while the money's sitting in the offset, just hammering our principal for the next five years to bring that down to zero. So the money that's sitting in the offset is worth $3.40. Yep. And that's when we've got 340,000 sitting there in six years if we're now and tighten our belts and pay that mortgage off why we don't have to pay interest. Yeah. Thinking. And then and just paying the tax bill because we're saving money on paying our interest on the mortgage while we're trying to slam everything else down and doing it that way. Even though we lose 60 but we save x amount because we're not paying interest. Very very much so. Yeah. Like because, Yeah. realistically, the interest the interest that you'd be charged because you the mortgage lasts for another twenty three years. The interest Yeah. that you would be charged over the next twenty three years if you, you know, didn't put any money onto it would be quite a lot over that time. But if you take the money, incur the little bit of interest, and just make sure that you you know, it just depends on how much money you can put back into that account. That's where the way up comes. If Yeah. you're, And you that's know, what he guarantee yeah. yeah. If you're guaranteeing that you can put x amount in each week, that obviously changes how everything would would flow. Yeah. Yeah. So that's what we're looking at now. Like, we've got it in, like, three or four different ways. If we just pack it Yeah. all in the mortgage and done that, then we've got a lot more principal or equity in the house without Yep. having to pay a mortgage and would have extra money to pop back into savings of training into debt and start building that offset account back up. Or do Yes. we just do some to the into our super and then pay less on the a the capital gains? Yep. How much you're paying on interest on that? And we've also got the one where we're not just paying the tax off, keeping the money in the offset account, and just hammering our principal down. So there are three options I three I or four mean, options I would, that we're looking at. yeah, I would, at the very least, because you've got sort of about the $30 sitting in excess on the offset. I would, Yep. at the very least, take that excess that you have. So, you know, mortgages sitting at, you know, $3.03 77, and you've got sort of 400,000 sitting in the in the offset. It'll I would be take whatever's $3.40, I think. It was $3.40. We'll have ask you there for your you net go. payment tax. It'll be $3.40 is what we have left. And that leads to 35 37,000 that interest will be paid on because we have less in our offset account than what we're doing in our mortgage repay like, our mortgage debt. Mhmm. Yeah. Yeah. The I mean, I would I would probably try and put whatever's currently excess into your super funds just to bring that debt down a little bit. And then just call your accountant and say, hey. Can I can I do a a a repayment schedule with the ATO? Yeah. What does the interest rate look like on that? Because the ATO can sometimes do, like, a really Yeah. short time like, short term repayment schedule without interest depending on how you set it up. You could sort of do something along those lines where you you have a proper payment schedule. That way, you're not having to take out of your mortgage offset. And Yep. it means that, you know, whatever you guys were gonna allocate to your mortgage offset, Yeah. you can send over to the ATO instead. So that way you guys are keeping to that little bit more conservative position where you you don't incur any interest on the mortgage. Yeah. Yeah. That's what we thought of because I think it it allows us. We've got 37,000. Like I said, that is flexible. Like, that's to bring us ever without mortgage. It'll be that 37,000 to let bring us level with the mortgage so we still have to pay interest and then just hammer out our mortgage off. Yeah. So, yeah, we do have the 37. We probably do, like you say, I would do the installments with the tax office or put that in the super. We'll work it all out. But, yeah, I would definitely let you know about that one. No. Yeah. Yeah. Absolutely. Alright.","start_word":4778,"end_word":5775,"sentiment":"neutral","sentiment_score":0.07614808588592945},{"text":"More Thank than you happy for to. that.","start_word":5776,"end_word":5783,"sentiment":"positive","sentiment_score":0.5833353400230408},{"text":"Does that, I guess, give you someone to bounce off and give you some little bit more clarity? Or Yeah. Yeah. Yeah. It's just just not knowing which is the right path to choose. Like, yeah. it should be my husband's just all numbers and, you know, he doesn't he wants to make it the best one we've done is save us a little bit of your money over the whole period of time that everything's in our super bug. I've been saving your super you're gonna be incurring interest on or whatever you've put our money into, you've got more there to put into, so we're gonna get Yeah. more back. Yeah. You got So grocer. we will be yeah. We've got growth there. So we're gonna have even though we lose it short term, long term, we'll have that extra money to build on, and it's gonna be give us pretty bigger gains than what we would just put in the way we are. So that was the other consideration was that there's all money to put out there to bring back Yes. in. Yeah. I mean, Yeah. also Exactly. yeah. The more the more Well, money but you invest, the the and over the longer term, the better Yes. outcome you have, Yeah. most That's certainly. it. So that was the other thing. So that I have to I said, do you have to learn think about the long term, like, in ten years for me anyway Yeah. before I can get that money back. That tend it's still gonna be growing anyway.","start_word":5784,"end_word":6049,"sentiment":"neutral","sentiment_score":0.0961526408791542},{"text":"It's gonna be gaining money or interest, whatever we you know, from the stock market. The growth from that will be coming in as well.","start_word":6050,"end_word":6074,"sentiment":"positive","sentiment_score":0.5895687341690063},{"text":"Yeah. Alright. For the long term, so when we file, we'll have a big amount of money sitting there anyway, and we can probably use it then to pay off the mortgage we've got now if we don't sell Yeah. between now and then. And there's there's also the consideration that, you know, whilst you guys wanna, you know, have have your current house, you know, with no mortgage or very little, if we're gonna go and get an investment property or go and buy a unit, that position is gonna change. You know? We are in the unit for twelve months. We can always shift any debt that's sitting on our house over to the investment property. So there's there's always you know, we we can be very flexible with how we do things. We might have to incur interest for a short term on our house, but we can change that with, you know, shifting it later onto the investment property. How do you do that? It's all just How about do you shift refinancing. it? So Oh, just okay. using Fair enough. equity equity that we have in the property and just shifting it from one property to the other. The others and then the other one's got nothing on it, and the other one's got the full debt. Yeah. Exactly. Is that how it works?","start_word":6075,"end_word":6303,"sentiment":"neutral","sentiment_score":0.10040390491485596},{"text":"Definitely does.","start_word":6304,"end_word":6305,"sentiment":"positive","sentiment_score":0.34826964139938354},{"text":"That's exactly how Okay. it works. Just a matter Fair of enough. yeah. I didn't think of that one. Yeah. So we might, like, we might have to you know, well, irrespective, if if you pay the ATO off in a bulk, you're gonna end up with a little bit of you're gonna you're gonna end up incurring interest Yeah. because, you know, you you'd lose the money out of that account. But when we buy the investment property, it's gonna do its thing, and then, you know, you're gonna be able to Yes. ship the money again. Like, it's it's it might just be a matter of sort of rolling rolling where the the debt sits and and shifting how Yeah. the finances move. And anytime we make any big financial change, it's gonna uproot the entire system anyway. Yeah. Yeah. That's right. Alright. Cool. That that yeah. Just gives you another layer of things to think about. Yeah.","start_word":6306,"end_word":6465,"sentiment":"neutral","sentiment_score":0.044818567438051106},{"text":"Thanks for that.","start_word":6466,"end_word":6468,"sentiment":"positive","sentiment_score":0.42538875341415405},{"text":"That's Just okay. another headache. No. That's all good. Well, I Yeah. can get rid Cool. of one of your headaches. I had to look through the email that you forwarded me. I think Yep. it's just peak pinnacle doing what they should have done back in the beginning by issuing you with the financial services guide. It's come directly from Peak Pinnacle. It hasn't come from me or or or Fabian or anything like that. Yep. It just come from Peak Pinnacle when you first spoke to them. I think they're just Oh, sending that you was months yeah. They're just sending you the financial services guide in connection with the conversation they had with ago. you because Okay. they're Because I'm supposed thinking I to didn't send have that a to conversation. you. Yeah. Because I'm thinking I didn't get a conversation with them. I just spoke to to Jordan. I thought now I'm thinking yeah. Because she was actually affected because she knew about everything. I'm thinking, no. It can't be that. And then I'm thinking, well, why is that one? I'm thinking, oh, I'm a little confused. So Yep. that all good.","start_word":6469,"end_word":6664,"sentiment":"neutral","sentiment_score":-0.09606370329856873},{"text":"Thank you for verifying that with me.","start_word":6665,"end_word":6671,"sentiment":"positive","sentiment_score":0.3429016172885895},{"text":"No. That's okay. Absolutely. Look. If there's any questions you have or if you wanna run anything by me, just flick me an email. We'll give my team a call. And if I'm available on the spot, I'll give you a call ad hoc like I you know, if if I can. Yeah. Otherwise, I'll just I'll schedule you in within the next sort of two or three days to have That's a chat. fine. That that it'll just be I'll stick to your email if I've got any questions or any worry. Yeah. Probably won't be that often. It'll just be when you'll be able to make a decision. If you were a text saying or an email saying, we've decided to do this so you know you're in the loop and where we're where we're at Yeah. with that extra money and stuff like that. And then it'll be working out what we're gonna do to because I do want another financial another investment just up our sleeve Yeah. just to long term. As long as it's sort of paying itself off and doing a little bit for me, we do have to incur a few months there or weeks where it's out of rental or whatever, then which I can't see it being a problem since we're so short over here. But yeah. Just to make sure we we have the finance to do that as well because I don't I'm sort of hesitant. It doesn't work to leave myself short either. Yeah. I've gotta be able to yeah. Go outside of my my means. Yeah. But yeah. All good. Alright.","start_word":6672,"end_word":6945,"sentiment":"neutral","sentiment_score":0.05056230320058165},{"text":"Thank you so much for giving me a callback. We're returning your time today.","start_word":6946,"end_word":6959,"sentiment":"positive","sentiment_score":0.4733935296535492},{"text":"Yeah. No. That's helped me a lot. I'll I'll do that email, Absolutely. go to the first one, and do the temporary password on that before it expires. I'll fix that Yeah. today. If you if you run into any issues, let me know. Alright. Cool. Alright.","start_word":6960,"end_word":7006,"sentiment":"neutral","sentiment_score":0.10974375903606416},{"text":"Thank you so much. I really appreciate that.","start_word":7007,"end_word":7014,"sentiment":"positive","sentiment_score":0.5800232291221619},{"text":"No. That's okay. Did did the other half have any questions at all? No. He's he's off and he's going to the line somewhere at the moment. He was already on Friday with all the questions, but today he's lost he's just not he's He's day off. done He for said the that. day. He's Yeah. in holiday He's done. mode. Yeah. He's like, no. I don't know what to think. He's gotta come and think I'm not not and just put his hands up. I said, okay. Well, there's no point in even dragging him in on the conversation because yeah. That's okay. If he has any questions, again, just shoot me an email. Yeah.","start_word":7015,"end_word":7130,"sentiment":"neutral","sentiment_score":-0.11397332042969506},{"text":"Cool. Alright. That'd be great. Thank you so much, Lisa. I appreciate that, and I will be hearing from you or you're hearing from me shortly.","start_word":7131,"end_word":7156,"sentiment":"positive","sentiment_score":0.6333649158477783},{"text":"He will.","start_word":7157,"end_word":7158,"sentiment":"neutral","sentiment_score":0.29080092906951904},{"text":"Thanks, Okay. Michelle. Thanks, Lisa. Alright. Bye. Cheers. Bye.","start_word":7159,"end_word":7167,"sentiment":"positive","sentiment_score":0.4432375729084015}],"average":{"sentiment":"neutral","sentiment_score":0.027067792165782683}}}}