{"metadata":{"transaction_key":"deprecated","request_id":"670eda76-0979-45d0-90ff-2692d455148c","sha256":"8e9591b6f64a0d3829e9bbde9044e6bd65e72ae1c6755a6b5fb9d8e0ba6446ec","created":"2026-03-23T00:24:24.104Z","duration":1396.584,"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":5590,"output_tokens":136},"sentiment_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":6208,"output_tokens":6221},"intents_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":6208,"output_tokens":448}},"results":{"channels":[{"alternatives":[{"transcript":"Good morning, Michelle. It's Carl calling from Financial. How are you today? Yeah. Not too bad at all. That's not a problem. Just to jump into that one, that's fair, Michelle. If I can just grab your your client password, if that's alright. Yeah. Okay. Thank you. I definitely know these calls are recorded for quality and training purposes there. And now I know we discussed this sort of probably getting on nearly five months ago now regarding your inheritance. I believe you just wanted to sort of have another catch up regarding it. Okay. Yep. It depends how the solicit obviously, it's more of a a lawyer question and sort of what it comes down to in the the will. If it was just distributed to them in their name, generally, they'd have some sort of guardian on it, which would normally be, like, a parent like yourself if they're under the age of 18. That was meant to, like, look after the money or use it for certain purposes for, like, education or their sort of upbringing and things like that. But I wouldn't be able to say without sort of, you know, even looking at our code. Yep. Yep. Yeah. It's a fun yeah. Yeah. Yep. Yeah. Well, worst case scenario, like, just generally, like, you could just open up a kid's savings account with your bank as you as, like, a parental guardian on the account, like, with whoever provider you have and things like that, and then potentially ask your dad because he is the executor as well, if it states how it is to be be distributed, especially for children under the age of 18, to see if he knows if it's been like the will. It's separate kids. Like, you can have, like, children's savings accounts. Yeah. But with that, obvious yeah. I'm not too sure in terms of, like, how the will stated and what the requirements are. And, like, this then it's probably in some form of, like, trust structure or discretionary tasks where, like, they might have a and it might not be yourself depending on how the wheel's set up. They can't access it to 21. There'll be, like, an executor that you have to, like, petition or release funds for and things like that. Given that your dad is the executor and it you'd said they can't access it till '21, it might just be worth asking what the will actually state. Yeah. If you can see anything with, like, trust, discretionary trust, things like that as well, it may sit in the trust until it goes to the child at that age. Yeah. Yeah. Yeah. If it is in a a trust as, like, a trustee, you do have the options to be able to manage the assets for the beneficiaries, like, be able to invest that money on the behalf of the child. And then if it's in a trust structure, it's generally a bit better in the sense that, like, children under the age of 16 and also under the age of 18 are subject to, like, different tax rules in regards to that and, like, how much they're actually charged versus, like, someone that's, like because it's, like, an unearned income. They and then with that being that young as well, generally, they don't have a tax file number and things like that. So it can be quite sort of painful in that sense, and you generally pay a higher tax rate for children because it is an unearned income because they're not actually earning it, whereas the trust structures work a little bit differently. Obviously, if it gets put into, like, a discretionary trust and you're named as a trustee, you can be able to, like, invest on their behalf and things like that. The only thing is you can't really sort of take the money out for for certain things, or you might get in trouble. Like, you can't just pull, you know, 20,000 out and go, we're going on a holiday if it's sort of stated that, like, it's for educational purposes and things like that as well. Yeah. No. That's perfectly fine. Even if you set the phone down, I'll be here for a few minutes if you'd like. No. That's no problem, Michelle. Take your your time. I'm in I'm in no rush. I'm not going anywhere. Bit of a bonus with the the weather that's been going around the past for the year. Yep. Yeah. If you like, just Google, like, ATO children's savings account. It, like, gives you a nice good bit of information as well, and you can also, like, look up sort of discretionary trust and the rules around those depending on if that is what the will states, obviously. Like, we don't give legal advice. I just give you some general information to look out for. Yeah. Yep. Yep. Yep. You could you could potentially look at doing, like, a refinance and, like, a change of ownership structure. Again, this is more of sort of a a a lawyer question because it's, like, solely in his name. May I ask, like, why you sort of like, what because, obviously, as a a married couple, unless you sort of have some financial financial agreement generally, like, you're entitled to, like, half the assets anyway, even if your name's on it or not. Yep. Okay. Yes. Yeah. Yep. Yep. Yeah. I understand what you're saying now. So the it it is obviously still, like, with the solicitor and being able to prepare the forms to change the the title change. So, generally, too, you do have to speak with your lender or a new lender because you're changing the lend like, it shouldn't be sort of a horrible thing if he's able to support it as, like, one anyway. But, like, you're typically, like, chain like, refinancing and changing the ownership to two, which changes, like, the lender agreements, and they can sort of, you know, depending I know you're sort of only working part time and things like that, but given that, you know, serviceability in the loan you would have for the rest of the remaining mortgage shouldn't be too bad. That probably wouldn't be an issue. Again, that's, yeah, sort of still, like, in the mortgage broker solicitor sort of realm, but there are, like, just different two types of ownership, which is, like, one's just joint tenants, which basically means you both own a 100% of the home. And then if one passes, then the property automatically just goes to the survivor. So that would address your concerns in the sense that, you know, if something happened to your partner, it would a 100% just go to you as, yeah, as the next owner because you both own it, like, a 100%. It's just whoever the surviving person is gets the, like, the 100% ownership, and then they can distribute it per the will and things like that. If you did, like, a tenant in common, which you can do, like, splits between, like, percentages, then you would own 50% and he would own 50%. So you might still come across the same issues that, like, 50% still would be distributed per his estate. And then that's when people start to come and try and, like you know? If yeah. And, generally, you know, being a spouse and having children, things like that, the courts generally will, like, you know, side with the will. And, yeah, but, obviously, that's just like a generalization. It's not, I don't know, the full family history and things like that. Yep. Yeah. Yep. Yeah. You can sort of once you do have the money and have a think about it, you can obviously, like, discuss, like, certain investment options and things available for you as well outside of, obviously, just, like, putting it all on the mortgage, like you said, or just having to see it all in cash. Yeah. And then, yeah, if you really do wanna sort of get added to the the property title, you you probably have to speak to a lawyer about, yeah, a solicitor about doing that because you'd have to lodge the the title change. And then you'd have to speak to also, like, your lender or, like, a new lender or mortgage broker in able to, you know, change the loan for the refinance. Yep. Yeah. So, obviously, there's, like, a few options, like, available. Obviously, you're still, like, on the younger side in terms of, like, working life left behind, you know, until you can access super. So you you wouldn't wanna sort of totally just dump it all in super and things like that because you lock it away. There are investment options. Yeah. Outside of that, you can look at, like, investment bonds. So, like, if you hold an investment bond, much like superannuation, it's owned by a trustee. And then for if you hold it for ten years, the trustee basically pays the tax rates at a corporate level versus, like, an individual or individual. Obviously, you're not working much at the moment, so it doesn't make much of a difference. But if your business sort of takes off and things like that and your income increases, it can sort of be very beneficial. And then if you hold it at ten years, you can start using that as a distribution as, like, an early super retirement versus, like, waiting all the way up until superannuation. And then, additionally, if, you know, you're able to potentially have just, like, an IDPS in conjunction with your superannuation, which is much as like an investment account similar to super, that you obviously have to pay the taxes and things like that or capital gains and buying and selling and income earned on that investment? Yep. Yeah. And even just as like a starting stone potentially is like, I know you don't have a will in place or anything either, is maybe going consulting with a solicitor, look at getting your will jointly done, and then asking the questions in conjunction with that as well and how to set up that structure and see if you can sort of pair it all into one. You might get, like, a bit of a a discount as opposed to just going setting up, like, the like, the train yeah. The title change, and then they'll yeah. And just try and consult with them and see if you can just sort of get, like, a a nice deal on getting it all done in once, you know, your power of attorney, wills, yeah, health directives, all that sort of stuff done in one sort of hit, especially why you've got a little bit more, cash flow with the inheritance, things of that once that sort of comes. And and then it sort of you get the added protection that your your parents want for you as well as sort of having your own things set up for your kids as well. Yeah. Yeah. No. That's perfectly fine. Not a problem. When you're ready, just give us a callback, Michelle, and then we can just, like, once it's all done, we can look at reviewing your superannuation and everything and getting that tied up. I know we had a quick discussion around the insurances and things like that just based on your the working hours you were doing and stuff. It yeah. It looking like it was gonna be, like, ADL, which isn't too great. So your group insurance is probably still better or, like, a nonworking TPD, but we can also have a discussion around that again as well. Yep. Yep. Yep. Okay. Not a problem, Michelle. Right. Yeah. Well, it just seems like you're you're jogging a lot yourself, so it makes it a bit harder for you more than anyone. Yeah. So yeah. Not a problem. I do I do feel for you. Hopefully, it all comes to a bit of a head soon and you get this estate settled, and then you can start sort of focusing on your business a little bit more as well. And then, you know, we can have a discussion following that for you. No no problem, Michelle. But yeah. And also, if you did want just I don't know how much they actually I'm pretty sure they covered across most things, but I can just send you the solicitor information that we sort of generally refer people. This is like a trusted partner with this and Wilson Estate information. Yeah. And you can just have a a look at that and see. And their service is completely different to us. I couldn't sort of say if they'd sort of be able to pair up things and stuff. Yeah. Yeah. But you might be able to sort of just give them a phone call and and just inquire. Yeah. It's just every every day you gotta decide what to eat. There's no real break. It's just one thing. Yeah. No problem, Michelle. You enjoy the rest of your day there, and, yeah, just give us a call when you're ready to have a bit more of a discussion around that. Perfect. No problem, Michelle. Thanks. Bye 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morning, Michelle. It's Carl calling from Financial. How are you today? Yeah. Not too bad at all.\n\nThat's not a problem. Just to jump into that one, that's fair, Michelle. If I can just grab your your client password, if that's alright. Yeah. Okay.\n\nThank you. I definitely know these calls are recorded for quality and training purposes there. And now I know we discussed this sort of probably getting on nearly five months ago now regarding your inheritance. I believe you just wanted to sort of have another catch up regarding it. Okay.\n\nYep. It depends how the solicit obviously, it's more of a a lawyer question and sort of what it comes down to in the the will. If it was just distributed to them in their name, generally, they'd have some sort of guardian on it, which would normally be, like, a parent like yourself if they're under the age of 18. That was meant to, like, look after the money or use it for certain purposes for, like, education or their sort of upbringing and things like that. But I wouldn't be able to say without sort of, you know, even looking at our code.\n\nYep. Yep. Yeah. It's a fun yeah. Yeah.\n\nYep. Yeah. Well, worst case scenario, like, just generally, like, you could just open up a kid's savings account with your bank as you as, like, a parental guardian on the account, like, with whoever provider you have and things like that, and then potentially ask your dad because he is the executor as well, if it states how it is to be be distributed, especially for children under the age of 18, to see if he knows if it's been like the will. It's separate kids. Like, you can have, like, children's savings accounts.\n\nYeah. But with that, obvious yeah. I'm not too sure in terms of, like, how the will stated and what the requirements are. And, like, this then it's probably in some form of, like, trust structure or discretionary tasks where, like, they might have a and it might not be yourself depending on how the wheel's set up. They can't access it to 21.\n\nThere'll be, like, an executor that you have to, like, petition or release funds for and things like that. Given that your dad is the executor and it you'd said they can't access it till '21, it might just be worth asking what the will actually state. Yeah. If you can see anything with, like, trust, discretionary trust, things like that as well, it may sit in the trust until it goes to the child at that age. Yeah.\n\nYeah. Yeah. If it is in a a trust as, like, a trustee, you do have the options to be able to manage the assets for the beneficiaries, like, be able to invest that money on the behalf of the child. And then if it's in a trust structure, it's generally a bit better in the sense that, like, children under the age of 16 and also under the age of 18 are subject to, like, different tax rules in regards to that and, like, how much they're actually charged versus, like, someone that's, like because it's, like, an unearned income. They and then with that being that young as well, generally, they don't have a tax file number and things like that.\n\nSo it can be quite sort of painful in that sense, and you generally pay a higher tax rate for children because it is an unearned income because they're not actually earning it, whereas the trust structures work a little bit differently. Obviously, if it gets put into, like, a discretionary trust and you're named as a trustee, you can be able to, like, invest on their behalf and things like that. The only thing is you can't really sort of take the money out for for certain things, or you might get in trouble. Like, you can't just pull, you know, 20,000 out and go, we're going on a holiday if it's sort of stated that, like, it's for educational purposes and things like that as well. Yeah.\n\nNo. That's perfectly fine. Even if you set the phone down, I'll be here for a few minutes if you'd like. No. That's no problem, Michelle.\n\nTake your your time. I'm in I'm in no rush. I'm not going anywhere. Bit of a bonus with the the weather that's been going around the past for the year. Yep.\n\nYeah. If you like, just Google, like, ATO children's savings account. It, like, gives you a nice good bit of information as well, and you can also, like, look up sort of discretionary trust and the rules around those depending on if that is what the will states, obviously. Like, we don't give legal advice. I just give you some general information to look out for.\n\nYeah. Yep. Yep. Yep. You could you could potentially look at doing, like, a refinance and, like, a change of ownership structure.\n\nAgain, this is more of sort of a a a lawyer question because it's, like, solely in his name. May I ask, like, why you sort of like, what because, obviously, as a a married couple, unless you sort of have some financial financial agreement generally, like, you're entitled to, like, half the assets anyway, even if your name's on it or not. Yep. Okay. Yes.\n\nYeah. Yep. Yep. Yeah. I understand what you're saying now.\n\nSo the it it is obviously still, like, with the solicitor and being able to prepare the forms to change the the title change. So, generally, too, you do have to speak with your lender or a new lender because you're changing the lend like, it shouldn't be sort of a horrible thing if he's able to support it as, like, one anyway. But, like, you're typically, like, chain like, refinancing and changing the ownership to two, which changes, like, the lender agreements, and they can sort of, you know, depending I know you're sort of only working part time and things like that, but given that, you know, serviceability in the loan you would have for the rest of the remaining mortgage shouldn't be too bad. That probably wouldn't be an issue. Again, that's, yeah, sort of still, like, in the mortgage broker solicitor sort of realm, but there are, like, just different two types of ownership, which is, like, one's just joint tenants, which basically means you both own a 100% of the home.\n\nAnd then if one passes, then the property automatically just goes to the survivor. So that would address your concerns in the sense that, you know, if something happened to your partner, it would a 100% just go to you as, yeah, as the next owner because you both own it, like, a 100%. It's just whoever the surviving person is gets the, like, the 100% ownership, and then they can distribute it per the will and things like that. If you did, like, a tenant in common, which you can do, like, splits between, like, percentages, then you would own 50% and he would own 50%. So you might still come across the same issues that, like, 50% still would be distributed per his estate.\n\nAnd then that's when people start to come and try and, like you know? If yeah. And, generally, you know, being a spouse and having children, things like that, the courts generally will, like, you know, side with the will. And, yeah, but, obviously, that's just like a generalization. It's not, I don't know, the full family history and things like that.\n\nYep. Yeah. Yep. Yeah. You can sort of once you do have the money and have a think about it, you can obviously, like, discuss, like, certain investment options and things available for you as well outside of, obviously, just, like, putting it all on the mortgage, like you said, or just having to see it all in cash.\n\nYeah. And then, yeah, if you really do wanna sort of get added to the the property title, you you probably have to speak to a lawyer about, yeah, a solicitor about doing that because you'd have to lodge the the title change. And then you'd have to speak to also, like, your lender or, like, a new lender or mortgage broker in able to, you know, change the loan for the refinance. Yep. Yeah.\n\nSo, obviously, there's, like, a few options, like, available. Obviously, you're still, like, on the younger side in terms of, like, working life left behind, you know, until you can access super. So you you wouldn't wanna sort of totally just dump it all in super and things like that because you lock it away. There are investment options. Yeah.\n\nOutside of that, you can look at, like, investment bonds. So, like, if you hold an investment bond, much like superannuation, it's owned by a trustee. And then for if you hold it for ten years, the trustee basically pays the tax rates at a corporate level versus, like, an individual or individual. Obviously, you're not working much at the moment, so it doesn't make much of a difference. But if your business sort of takes off and things like that and your income increases, it can sort of be very beneficial.\n\nAnd then if you hold it at ten years, you can start using that as a distribution as, like, an early super retirement versus, like, waiting all the way up until superannuation. And then, additionally, if, you know, you're able to potentially have just, like, an IDPS in conjunction with your superannuation, which is much as like an investment account similar to super, that you obviously have to pay the taxes and things like that or capital gains and buying and selling and income earned on that investment? Yep. Yeah. And even just as like a starting stone potentially is like, I know you don't have a will in place or anything either, is maybe going consulting with a solicitor, look at getting your will jointly done, and then asking the questions in conjunction with that as well and how to set up that structure and see if you can sort of pair it all into one.\n\nYou might get, like, a bit of a a discount as opposed to just going setting up, like, the like, the train yeah. The title change, and then they'll yeah. And just try and consult with them and see if you can just sort of get, like, a a nice deal on getting it all done in once, you know, your power of attorney, wills, yeah, health directives, all that sort of stuff done in one sort of hit, especially why you've got a little bit more, cash flow with the inheritance, things of that once that sort of comes. And and then it sort of you get the added protection that your your parents want for you as well as sort of having your own things set up for your kids as well. Yeah.\n\nYeah. No. That's perfectly fine. Not a problem. When you're ready, just give us a callback, Michelle, and then we can just, like, once it's all done, we can look at reviewing your superannuation and everything and getting that tied up.\n\nI know we had a quick discussion around the insurances and things like that just based on your the working hours you were doing and stuff. It yeah. It looking like it was gonna be, like, ADL, which isn't too great. So your group insurance is probably still better or, like, a nonworking TPD, but we can also have a discussion around that again as well. Yep.\n\nYep. Yep. Okay. Not a problem, Michelle. Right.\n\nYeah. Well, it just seems like you're you're jogging a lot yourself, so it makes it a bit harder for you more than anyone. Yeah. So yeah. Not a problem.\n\nI do I do feel for you. Hopefully, it all comes to a bit of a head soon and you get this estate settled, and then you can start sort of focusing on your business a little bit more as well. And then, you know, we can have a discussion following that for you. No no problem, Michelle. But yeah.\n\nAnd also, if you did want just I don't know how much they actually I'm pretty sure they covered across most things, but I can just send you the solicitor information that we sort of generally refer people. This is like a trusted partner with this and Wilson Estate information. Yeah. And you can just have a a look at that and see. And their service is completely different to us.\n\nI couldn't sort of say if they'd sort of be able to pair up things and stuff. Yeah. Yeah. But you might be able to sort of just give them a phone call and and just inquire. Yeah.\n\nIt's just every every day you gotta decide what to eat. There's no real break. It's just one thing. Yeah. No problem, Michelle.\n\nYou enjoy the rest of your day there, and, yeah, just give us a call when you're ready to have a bit more of a discussion around that. Perfect. No problem, Michelle. Thanks. Bye now.","paragraphs":[{"sentences":[{"text":"Good morning, Michelle.","start":1.8399999,"end":2.56,"sentiment":"neutral","sentiment_score":0.23888051509857178},{"text":"It's Carl calling from Financial.","start":2.56,"end":3.86,"sentiment":"neutral","sentiment_score":0.15970369428396225},{"text":"How are you today?","start":4.0,"end":4.8199997,"sentiment":"neutral","sentiment_score":0.14255838096141815},{"text":"Yeah.","start":6.48,"end":6.7999997,"sentiment":"neutral","sentiment_score":0.14526960253715515},{"text":"Not too bad at all.","start":6.7999997,"end":8.1,"sentiment":"neutral","sentiment_score":0.29327365159988406}],"sentiment":"neutral","sentiment_score":0.20539063339432082,"num_words":18,"start":1.8399999,"end":8.1},{"sentences":[{"text":"That's not a problem.","start":10.32,"end":11.36,"sentiment":"positive","sentiment_score":0.4261409118771553},{"text":"Just to jump into that one, that's fair, Michelle.","start":11.36,"end":13.2,"sentiment":"neutral","sentiment_score":0.23765063451396096},{"text":"If I can just grab your your client password, if that's alright.","start":13.2,"end":15.915,"sentiment":"neutral","sentiment_score":0.11261311049262683},{"text":"Yeah.","start":18.155,"end":18.395,"sentiment":"neutral","sentiment_score":0.07131025195121765},{"text":"Okay.","start":18.395,"end":18.895,"sentiment":"neutral","sentiment_score":0.15686887502670288}],"sentiment":"neutral","sentiment_score":0.20085021522310045,"num_words":27,"start":10.32,"end":18.895},{"sentences":[{"text":"Thank you.","start":18.955,"end":19.695,"sentiment":"positive","sentiment_score":0.37257225811481476},{"text":"I definitely know these calls are recorded for quality and training purposes there.","start":20.154999,"end":23.455,"sentiment":"neutral","sentiment_score":0.1563464764219064},{"text":"And now I know we discussed this sort of probably getting on nearly five months ago now regarding your inheritance.","start":23.915,"end":31.45,"sentiment":"neutral","sentiment_score":-0.006549480557441712},{"text":"I believe you just wanted to sort of have another catch up regarding it.","start":31.45,"end":34.510002,"sentiment":"neutral","sentiment_score":-0.09508001165730613},{"text":"Okay.","start":71.015,"end":71.515,"sentiment":"neutral","sentiment_score":0.036414701491594315}],"sentiment":"neutral","sentiment_score":0.02703907273709774,"num_words":50,"start":18.955,"end":71.515},{"sentences":[{"text":"Yep.","start":110.5,"end":111.0,"sentiment":"neutral","sentiment_score":0.009921597316861153},{"text":"It depends how the solicit obviously, it's more of a a lawyer question and sort of what it comes down to in the the will.","start":121.715004,"end":132.23,"sentiment":"neutral","sentiment_score":-0.052007856741547585},{"text":"If it was just distributed to them in their name, generally, they'd have some sort of guardian on it, which would normally be, like, a parent like yourself if they're under the age of 18.","start":132.37,"end":140.175,"sentiment":"neutral","sentiment_score":-0.06226142772606441},{"text":"That was meant to, like, look after the money or use it for certain purposes for, like, education or their sort of upbringing and things like that.","start":140.175,"end":149.375,"sentiment":"neutral","sentiment_score":-0.008613883207241694},{"text":"But I wouldn't be able to say without sort of, you know, even looking at our code.","start":149.375,"end":154.18,"sentiment":"neutral","sentiment_score":-0.14401710668907447}],"sentiment":"neutral","sentiment_score":-0.05857419478041785,"num_words":105,"start":110.5,"end":154.18},{"sentences":[{"text":"Yep.","start":164.97499,"end":165.47499,"sentiment":"neutral","sentiment_score":-0.12817424535751343},{"text":"Yep.","start":167.53499,"end":168.03499,"sentiment":"neutral","sentiment_score":-0.060876987874507904},{"text":"Yeah.","start":176.33499,"end":176.83499,"sentiment":"neutral","sentiment_score":-0.047697775065898895},{"text":"It's a fun yeah.","start":189.495,"end":190.69499,"sentiment":"neutral","sentiment_score":0.07768377976026386},{"text":"Yeah.","start":190.69499,"end":191.19499,"sentiment":"neutral","sentiment_score":0.01645563915371895}],"sentiment":"neutral","sentiment_score":0.01130521873710677,"num_words":8,"start":164.97499,"end":191.19499},{"sentences":[{"text":"Yep.","start":205.67,"end":206.17,"sentiment":"neutral","sentiment_score":-0.047549810260534286},{"text":"Yeah.","start":248.275,"end":248.435,"sentiment":"neutral","sentiment_score":0.08030861616134644},{"text":"Well, worst case scenario, like, just generally, like, you could just open up a kid's savings account with your bank as you as, like, a parental guardian on the account, like, with whoever provider you have and things like that, and then potentially ask your dad because he is the executor as well, if it states how it is to be be distributed, especially for children under the age of 18, to see if he knows if it's been like the will.","start":248.435,"end":275.125,"sentiment":"neutral","sentiment_score":-0.021118488935072247},{"text":"It's separate kids.","start":281.92,"end":282.88,"sentiment":"neutral","sentiment_score":-0.02760145937403043},{"text":"Like, you can have, like, children's savings accounts.","start":282.88,"end":285.44,"sentiment":"neutral","sentiment_score":-0.02184008131735027}],"sentiment":"neutral","sentiment_score":-0.02059455068880006,"num_words":95,"start":205.67,"end":285.44},{"sentences":[{"text":"Yeah.","start":285.44,"end":285.94,"sentiment":"neutral","sentiment_score":-0.002598239108920098},{"text":"But with that, obvious yeah.","start":287.44,"end":293.215,"sentiment":"neutral","sentiment_score":-0.0585327073931694},{"text":"I'm not too sure in terms of, like, how the will stated and what the requirements are.","start":293.215,"end":299.155,"sentiment":"neutral","sentiment_score":-0.14021748479674845},{"text":"And, like, this then it's probably in some form of, like, trust structure or discretionary tasks where, like, they might have a and it might not be yourself depending on how the wheel's set up.","start":300.335,"end":314.83,"sentiment":"neutral","sentiment_score":-0.1537955703479903},{"text":"They can't access it to 21.","start":314.83,"end":316.165,"sentiment":"neutral","sentiment_score":-0.3181423743565877}],"sentiment":"neutral","sentiment_score":-0.15579153478029184,"num_words":64,"start":285.44,"end":316.165},{"sentences":[{"text":"There'll be, like, an executor that you have to, like, petition or release funds for and things like that.","start":316.165,"end":320.58502,"sentiment":"neutral","sentiment_score":-0.21481853645098836},{"text":"Given that your dad is the executor and it you'd said they can't access it till '21, it might just be worth asking what the will actually state.","start":320.725,"end":328.90503,"sentiment":"neutral","sentiment_score":-0.28000685732279507},{"text":"Yeah.","start":337.93,"end":338.16998,"sentiment":"neutral","sentiment_score":0.07294516265392303},{"text":"If you can see anything with, like, trust, discretionary trust, things like that as well, it may sit in the trust until it goes to the child at that age.","start":338.16998,"end":346.865,"sentiment":"neutral","sentiment_score":0.07105669838686784},{"text":"Yeah.","start":364.46,"end":364.7,"sentiment":"neutral","sentiment_score":0.20819023251533508}],"sentiment":"neutral","sentiment_score":-0.12036592216242718,"num_words":79,"start":316.165,"end":364.7},{"sentences":[{"text":"Yeah.","start":364.7,"end":365.2,"sentiment":"neutral","sentiment_score":0.27277058362960815},{"text":"Yeah.","start":381.435,"end":381.57,"sentiment":"neutral","sentiment_score":0.160447895526886},{"text":"If it is in a a trust as, like, a trustee, you do have the options to be able to manage the assets for the beneficiaries, like, be able to invest that money on the behalf of the child.","start":381.65,"end":393.33002,"sentiment":"neutral","sentiment_score":0.17754333733748168},{"text":"And then if it's in a trust structure, it's generally a bit better in the sense that, like, children under the age of 16 and also under the age of 18 are subject to, like, different tax rules in regards to that and, like, how much they're actually charged versus, like, someone that's, like because it's, like, an unearned income.","start":393.33002,"end":411.945,"sentiment":"neutral","sentiment_score":0.031043197152515252},{"text":"They and then with that being that young as well, generally, they don't have a tax file number and things like that.","start":411.945,"end":418.16,"sentiment":"neutral","sentiment_score":-0.16784256899898703}],"sentiment":"neutral","sentiment_score":0.04493873127228845,"num_words":123,"start":364.7,"end":418.16},{"sentences":[{"text":"So it can be quite sort of painful in that sense, and you generally pay a higher tax rate for children because it is an unearned income because they're not actually earning it, whereas the trust structures work a little bit differently.","start":418.69998,"end":430.78497,"sentiment":"neutral","sentiment_score":-0.2535146109405018},{"text":"Obviously, if it gets put into, like, a discretionary trust and you're named as a trustee, you can be able to, like, invest on their behalf and things like that.","start":431.245,"end":439.245,"sentiment":"neutral","sentiment_score":0.12233682349324226},{"text":"The only thing is you can't really sort of take the money out for for certain things, or you might get in trouble.","start":439.245,"end":444.16,"sentiment":"neutral","sentiment_score":-0.24304292253825976},{"text":"Like, you can't just pull, you know, 20,000 out and go, we're going on a holiday if it's sort of stated that, like, it's for educational purposes and things like that as well.","start":444.16,"end":453.38,"sentiment":"neutral","sentiment_score":-0.0075212676310911775},{"text":"Yeah.","start":473.38998,"end":473.87,"sentiment":"neutral","sentiment_score":-0.010285981930792332}],"sentiment":"neutral","sentiment_score":-0.09942623245612855,"num_words":129,"start":418.69998,"end":473.87},{"sentences":[{"text":"No.","start":473.87,"end":474.11,"sentiment":"neutral","sentiment_score":0.008904889225959778},{"text":"That's perfectly fine.","start":474.11,"end":475.22998,"sentiment":"neutral","sentiment_score":0.2207622528076172},{"text":"Even if you set the phone down, I'll be here for a few minutes if you'd like.","start":475.22998,"end":478.455,"sentiment":"neutral","sentiment_score":0.06906807948561276},{"text":"No.","start":492.47,"end":492.71,"sentiment":"neutral","sentiment_score":-0.029071297496557236},{"text":"That's no problem, Michelle.","start":492.71,"end":493.83,"sentiment":"neutral","sentiment_score":0.09211771818809211}],"sentiment":"neutral","sentiment_score":0.08402879131384768,"num_words":26,"start":473.87,"end":493.83},{"sentences":[{"text":"Take your your time.","start":493.83,"end":494.71,"sentiment":"neutral","sentiment_score":0.10219647083431482},{"text":"I'm in I'm in no rush.","start":494.71,"end":495.83,"sentiment":"neutral","sentiment_score":-0.16242116317152977},{"text":"I'm not going anywhere.","start":495.83,"end":496.73,"sentiment":"neutral","sentiment_score":-0.14942841976881027},{"text":"Bit of a bonus with the the weather that's been going around the past for the year.","start":548.77,"end":552.63,"sentiment":"neutral","sentiment_score":0.31808119530186935},{"text":"Yep.","start":561.265,"end":561.765,"sentiment":"neutral","sentiment_score":0.030997661873698235}],"sentiment":"neutral","sentiment_score":0.1335913502261974,"num_words":32,"start":493.83,"end":561.765},{"sentences":[{"text":"Yeah.","start":569.36,"end":569.6,"sentiment":"neutral","sentiment_score":-0.004146206192672253},{"text":"If you like, just Google, like, ATO children's savings account.","start":569.6,"end":573.62,"sentiment":"neutral","sentiment_score":0.017447914462536573},{"text":"It, like, gives you a nice good bit of information as well, and you can also, like, look up sort of discretionary trust and the rules around those depending on if that is what the will states, obviously.","start":574.24,"end":586.135,"sentiment":"positive","sentiment_score":0.4485386104175919},{"text":"Like, we don't give legal advice.","start":586.755,"end":588.515,"sentiment":"neutral","sentiment_score":-0.13187240902334452},{"text":"I just give you some general information to look out for.","start":588.515,"end":591.48,"sentiment":"neutral","sentiment_score":-0.006459128111600876}],"sentiment":"neutral","sentiment_score":0.24776538289293196,"num_words":66,"start":569.36,"end":591.48},{"sentences":[{"text":"Yeah.","start":617.59,"end":618.09,"sentiment":"neutral","sentiment_score":0.020167533308267593},{"text":"Yep.","start":643.94,"end":644.44,"sentiment":"neutral","sentiment_score":0.05344545841217041},{"text":"Yep.","start":656.915,"end":657.415,"sentiment":"neutral","sentiment_score":0.02828112058341503},{"text":"Yep.","start":665.89,"end":666.39,"sentiment":"neutral","sentiment_score":0.04416130110621452},{"text":"You could you could potentially look at doing, like, a refinance and, like, a change of ownership structure.","start":676.54504,"end":685.745,"sentiment":"neutral","sentiment_score":-0.029992702106634777}],"sentiment":"neutral","sentiment_score":-0.017900601114061745,"num_words":22,"start":617.59,"end":685.745},{"sentences":[{"text":"Again, this is more of sort of a a a lawyer question because it's, like, solely in his name.","start":685.745,"end":691.13,"sentiment":"neutral","sentiment_score":-0.11540518701076508},{"text":"May I ask, like, why you sort of like, what because, obviously, as a a married couple, unless you sort of have some financial financial agreement generally, like, you're entitled to, like, half the assets anyway, even if your name's on it or not.","start":691.13,"end":703.785,"sentiment":"neutral","sentiment_score":-0.10047805588692427},{"text":"Yep.","start":711.94495,"end":712.44495,"sentiment":"neutral","sentiment_score":-0.03648927062749863},{"text":"Okay.","start":736.855,"end":737.175,"sentiment":"neutral","sentiment_score":-0.13025109469890594},{"text":"Yes.","start":737.175,"end":737.675,"sentiment":"neutral","sentiment_score":-0.24912121891975403}],"sentiment":"neutral","sentiment_score":-0.1065090090375055,"num_words":66,"start":685.745,"end":737.675},{"sentences":[{"text":"Yeah.","start":749.99,"end":750.49,"sentiment":"neutral","sentiment_score":-0.22534874081611633},{"text":"Yep.","start":751.03,"end":751.53,"sentiment":"neutral","sentiment_score":-0.056474294513463974},{"text":"Yep.","start":769.77997,"end":770.27997,"sentiment":"neutral","sentiment_score":-0.048813097178936005},{"text":"Yeah.","start":784.995,"end":785.495,"sentiment":"neutral","sentiment_score":-0.07154205441474915},{"text":"I understand what you're saying now.","start":785.555,"end":786.995,"sentiment":"neutral","sentiment_score":-0.052024174481630325}],"sentiment":"neutral","sentiment_score":-0.07143232338130474,"num_words":10,"start":749.99,"end":786.995},{"sentences":[{"text":"So the it it is obviously still, like, with the solicitor and being able to prepare the forms to change the the title change.","start":786.995,"end":794.79004,"sentiment":"neutral","sentiment_score":0.0002289599118133386},{"text":"So, generally, too, you do have to speak with your lender or a new lender because you're changing the lend like, it shouldn't be sort of a horrible thing if he's able to support it as, like, one anyway.","start":795.81,"end":806.015,"sentiment":"neutral","sentiment_score":-0.06586293706622644},{"text":"But, like, you're typically, like, chain like, refinancing and changing the ownership to two, which changes, like, the lender agreements, and they can sort of, you know, depending I know you're sort of only working part time and things like that, but given that, you know, serviceability in the loan you would have for the rest of the remaining mortgage shouldn't be too bad.","start":806.015,"end":824.83,"sentiment":"neutral","sentiment_score":0.117938066185161},{"text":"That probably wouldn't be an issue.","start":824.83,"end":826.45,"sentiment":"neutral","sentiment_score":-0.03926331425706545},{"text":"Again, that's, yeah, sort of still, like, in the mortgage broker solicitor sort of realm, but there are, like, just different two types of ownership, which is, like, one's just joint tenants, which basically means you both own a 100% of the home.","start":848.86005,"end":861.035,"sentiment":"neutral","sentiment_score":0.015303529311664576}],"sentiment":"neutral","sentiment_score":0.03072357160801237,"num_words":176,"start":786.995,"end":861.035},{"sentences":[{"text":"And then if one passes, then the property automatically just goes to the survivor.","start":861.035,"end":864.895,"sentiment":"neutral","sentiment_score":0.056839702118720324},{"text":"So that would address your concerns in the sense that, you know, if something happened to your partner, it would a 100% just go to you as, yeah, as the next owner because you both own it, like, a 100%.","start":865.515,"end":877.88,"sentiment":"neutral","sentiment_score":0.06524697123095394},{"text":"It's just whoever the surviving person is gets the, like, the 100% ownership, and then they can distribute it per the will and things like that.","start":877.88,"end":884.255,"sentiment":"neutral","sentiment_score":0.06892595998942852},{"text":"If you did, like, a tenant in common, which you can do, like, splits between, like, percentages, then you would own 50% and he would own 50%.","start":884.255,"end":892.115,"sentiment":"neutral","sentiment_score":0.05102046592919915},{"text":"So you might still come across the same issues that, like, 50% still would be distributed per his estate.","start":892.175,"end":898.77,"sentiment":"neutral","sentiment_score":0.007805480376670235}],"sentiment":"neutral","sentiment_score":0.053361637665638846,"num_words":126,"start":861.035,"end":898.77},{"sentences":[{"text":"And then that's when people start to come and try and, like you know?","start":899.31,"end":903.01,"sentiment":"neutral","sentiment_score":0.07238388806581497},{"text":"If yeah.","start":903.15,"end":905.87,"sentiment":"neutral","sentiment_score":0.04922572895884514},{"text":"And, generally, you know, being a spouse and having children, things like that, the courts generally will, like, you know, side with the will.","start":905.87,"end":912.27,"sentiment":"neutral","sentiment_score":-0.007798764078567426},{"text":"And, yeah, but, obviously, that's just like a generalization.","start":912.27,"end":916.195,"sentiment":"neutral","sentiment_score":-0.07033107284870413},{"text":"It's not, I don't know, the full family history and things like that.","start":916.65497,"end":919.71497,"sentiment":"neutral","sentiment_score":-0.16036396932143432}],"sentiment":"neutral","sentiment_score":-0.028920253288120992,"num_words":62,"start":899.31,"end":919.71497},{"sentences":[{"text":"Yep.","start":929.79,"end":930.29,"sentiment":"neutral","sentiment_score":-0.010720822028815746},{"text":"Yeah.","start":933.79,"end":934.29,"sentiment":"neutral","sentiment_score":0.05593763291835785},{"text":"Yep.","start":943.645,"end":944.145,"sentiment":"neutral","sentiment_score":-0.049647532403469086},{"text":"Yeah.","start":955.34,"end":955.66003,"sentiment":"neutral","sentiment_score":0.11374150216579436},{"text":"You can sort of once you do have the money and have a think about it, you can obviously, like, discuss, like, certain investment options and things available for you as well outside of, obviously, just, like, putting it all on the mortgage, like you said, or just having to see it all in cash.","start":955.66003,"end":970.025,"sentiment":"neutral","sentiment_score":0.13403073874386875}],"sentiment":"neutral","sentiment_score":0.12679663409431607,"num_words":59,"start":929.79,"end":970.025},{"sentences":[{"text":"Yeah.","start":970.805,"end":971.305,"sentiment":"neutral","sentiment_score":0.05486121773719787},{"text":"And then, yeah, if you really do wanna sort of get added to the the property title, you you probably have to speak to a lawyer about, yeah, a solicitor about doing that because you'd have to lodge the the title change.","start":972.165,"end":985.4,"sentiment":"neutral","sentiment_score":-0.00102321949920484},{"text":"And then you'd have to speak to also, like, your lender or, like, a new lender or mortgage broker in able to, you know, change the loan for the refinance.","start":986.5,"end":995.135,"sentiment":"neutral","sentiment_score":0.0456833661844333},{"text":"Yep.","start":1004.49,"end":1004.99,"sentiment":"neutral","sentiment_score":0.3265855312347412},{"text":"Yeah.","start":1041.1749,"end":1041.575,"sentiment":"neutral","sentiment_score":0.13770592212677002}],"sentiment":"neutral","sentiment_score":0.024622379168868065,"num_words":75,"start":970.805,"end":1041.575},{"sentences":[{"text":"So, obviously, there's, like, a few options, like, available.","start":1041.575,"end":1044.2949,"sentiment":"neutral","sentiment_score":0.15838555412160027},{"text":"Obviously, you're still, like, on the younger side in terms of, like, working life left behind, you know, until you can access super.","start":1044.2949,"end":1049.755,"sentiment":"neutral","sentiment_score":0.027029157008813774},{"text":"So you you wouldn't wanna sort of totally just dump it all in super and things like that because you lock it away.","start":1049.815,"end":1053.77,"sentiment":"neutral","sentiment_score":-0.2119062423058178},{"text":"There are investment options.","start":1054.31,"end":1056.39,"sentiment":"neutral","sentiment_score":-0.03417701181024313},{"text":"Yeah.","start":1056.39,"end":1056.79,"sentiment":"neutral","sentiment_score":0.10327450186014175}],"sentiment":"neutral","sentiment_score":-0.04766894200195869,"num_words":60,"start":1041.575,"end":1056.79},{"sentences":[{"text":"Outside of that, you can look at, like, investment bonds.","start":1056.79,"end":1059.51,"sentiment":"neutral","sentiment_score":0.0770464651286602},{"text":"So, like, if you hold an investment bond, much like superannuation, it's owned by a trustee.","start":1059.51,"end":1064.17,"sentiment":"neutral","sentiment_score":0.08573060692287982},{"text":"And then for if you hold it for ten years, the trustee basically pays the tax rates at a corporate level versus, like, an individual or individual.","start":1064.23,"end":1071.5851,"sentiment":"neutral","sentiment_score":0.050086889140031954},{"text":"Obviously, you're not working much at the moment, so it doesn't make much of a difference.","start":1071.645,"end":1074.365,"sentiment":"neutral","sentiment_score":-0.09460191708058119},{"text":"But if your business sort of takes off and things like that and your income increases, it can sort of be very beneficial.","start":1074.365,"end":1079.485,"sentiment":"positive","sentiment_score":0.46294989922772284}],"sentiment":"neutral","sentiment_score":0.1372686671498029,"num_words":92,"start":1056.79,"end":1079.485},{"sentences":[{"text":"And then if you hold it at ten years, you can start using that as a distribution as, like, an early super retirement versus, like, waiting all the way up until superannuation.","start":1079.485,"end":1088.12,"sentiment":"positive","sentiment_score":0.3453374899108894},{"text":"And then, additionally, if, you know, you're able to potentially have just, like, an IDPS in conjunction with your superannuation, which is much as like an investment account similar to super, that you obviously have to pay the taxes and things like that or capital gains and buying and selling and income earned on that investment?","start":1088.8201,"end":1107.105,"sentiment":"neutral","sentiment_score":0.08164429624697991},{"text":"Yep.","start":1129.915,"end":1130.415,"sentiment":"neutral","sentiment_score":0.09929494559764862},{"text":"Yeah.","start":1146.985,"end":1147.3849,"sentiment":"neutral","sentiment_score":-0.2287866324186325},{"text":"And even just as like a starting stone potentially is like, I know you don't have a will in place or anything either, is maybe going consulting with a solicitor, look at getting your will jointly done, and then asking the questions in conjunction with that as well and how to set up that structure and see if you can sort of pair it all into one.","start":1147.3849,"end":1165.3999,"sentiment":"neutral","sentiment_score":0.05406504341248256}],"sentiment":"neutral","sentiment_score":0.12175634706238653,"num_words":157,"start":1079.485,"end":1165.3999},{"sentences":[{"text":"You might get, like, a bit of a a discount as opposed to just going setting up, like, the like, the train yeah.","start":1165.3999,"end":1171.0,"sentiment":"neutral","sentiment_score":0.19980672779290573},{"text":"The title change, and then they'll yeah.","start":1171.0,"end":1172.86,"sentiment":"neutral","sentiment_score":0.06433124946696418},{"text":"And just try and consult with them and see if you can just sort of get, like, a a nice deal on getting it all done in once, you know, your power of attorney, wills, yeah, health directives, all that sort of stuff done in one sort of hit, especially why you've got a little bit more, cash flow with the inheritance, things of that once that sort of comes.","start":1173.08,"end":1190.61,"sentiment":"neutral","sentiment_score":0.2957297903219504},{"text":"And and then it sort of you get the added protection that your your parents want for you as well as sort of having your own things set up for your kids as well.","start":1190.61,"end":1198.3099,"sentiment":"positive","sentiment_score":0.5770476758480072},{"text":"Yeah.","start":1205.585,"end":1206.085,"sentiment":"neutral","sentiment_score":0.13434426486492157}],"sentiment":"positive","sentiment_score":0.3370438818647354,"num_words":135,"start":1165.3999,"end":1206.085},{"sentences":[{"text":"Yeah.","start":1215.76,"end":1216.0,"sentiment":"neutral","sentiment_score":0.061377327889204025},{"text":"No.","start":1216.0,"end":1216.24,"sentiment":"neutral","sentiment_score":0.01996031031012535},{"text":"That's perfectly fine.","start":1216.24,"end":1217.62,"sentiment":"neutral","sentiment_score":0.20725511014461517},{"text":"Not a problem.","start":1226.255,"end":1226.8151,"sentiment":"neutral","sentiment_score":0.29035532971223194},{"text":"When you're ready, just give us a callback, Michelle, and then we can just, like, once it's all done, we can look at reviewing your superannuation and everything and getting that tied up.","start":1226.8151,"end":1235.375,"sentiment":"neutral","sentiment_score":0.20464400134303354}],"sentiment":"neutral","sentiment_score":0.20310782931926774,"num_words":41,"start":1215.76,"end":1235.375},{"sentences":[{"text":"I know we had a quick discussion around the insurances and things like that just based on your the working hours you were doing and stuff.","start":1235.375,"end":1241.99,"sentiment":"neutral","sentiment_score":0.047046440008741156},{"text":"It yeah.","start":1241.99,"end":1242.79,"sentiment":"neutral","sentiment_score":0.04835363104939461},{"text":"It looking like it was gonna be, like, ADL, which isn't too great.","start":1242.79,"end":1245.91,"sentiment":"neutral","sentiment_score":-0.07673681068878907},{"text":"So your group insurance is probably still better or, like, a nonworking TPD, but we can also have a discussion around that again as well.","start":1245.91,"end":1253.385,"sentiment":"neutral","sentiment_score":-0.02808826483786106},{"text":"Yep.","start":1264.985,"end":1265.485,"sentiment":"neutral","sentiment_score":0.19457988440990448}],"sentiment":"neutral","sentiment_score":-0.0027655309427585175,"num_words":67,"start":1235.375,"end":1265.485},{"sentences":[{"text":"Yep.","start":1272.49,"end":1272.99,"sentiment":"neutral","sentiment_score":0.2303156554698944},{"text":"Yep.","start":1291.48,"end":1291.98,"sentiment":"neutral","sentiment_score":0.08641200512647629},{"text":"Okay.","start":1299.16,"end":1299.64,"sentiment":"neutral","sentiment_score":0.07791000604629517},{"text":"Not a problem, Michelle.","start":1299.64,"end":1300.86,"sentiment":"neutral","sentiment_score":0.08066379372030497},{"text":"Right.","start":1301.24,"end":1301.655,"sentiment":"neutral","sentiment_score":0.05949955061078072}],"sentiment":"neutral","sentiment_score":0.0970990490168333,"num_words":8,"start":1272.49,"end":1301.655},{"sentences":[{"text":"Yeah.","start":1302.135,"end":1302.535,"sentiment":"neutral","sentiment_score":0.03503798320889473},{"text":"Well, it just seems like you're you're jogging a lot yourself, so it makes it a bit harder for you more than anyone.","start":1302.535,"end":1307.595,"sentiment":"neutral","sentiment_score":-0.09561241693470789},{"text":"Yeah.","start":1308.135,"end":1308.375,"sentiment":"neutral","sentiment_score":0.08824378997087479},{"text":"So yeah.","start":1308.375,"end":1310.855,"sentiment":"neutral","sentiment_score":0.21768401563167572},{"text":"Not a problem.","start":1310.855,"end":1311.495,"sentiment":"neutral","sentiment_score":0.23860941330591837}],"sentiment":"neutral","sentiment_score":-0.03082025150458018,"num_words":30,"start":1302.135,"end":1311.495},{"sentences":[{"text":"I do I do feel for you.","start":1311.495,"end":1312.615,"sentiment":"neutral","sentiment_score":0.3295727755342211},{"text":"Hopefully, it all comes to a bit of a head soon and you get this estate settled, and then you can start sort of focusing on your business a little bit more as well.","start":1312.615,"end":1319.09,"sentiment":"neutral","sentiment_score":0.22117448291357825},{"text":"And then, you know, we can have a discussion following that for you.","start":1319.09,"end":1322.63,"sentiment":"neutral","sentiment_score":0.105353665466492},{"text":"No no problem, Michelle.","start":1328.21,"end":1329.33,"sentiment":"neutral","sentiment_score":0.2147885002195835},{"text":"But yeah.","start":1329.33,"end":1329.6499,"sentiment":"neutral","sentiment_score":0.10280520468950272}],"sentiment":"neutral","sentiment_score":0.20435506515204907,"num_words":60,"start":1311.495,"end":1329.6499},{"sentences":[{"text":"And also, if you did want just I don't know how much they actually I'm pretty sure they covered across most things, but I can just send you the solicitor information that we sort of generally refer people.","start":1329.6499,"end":1340.5149,"sentiment":"neutral","sentiment_score":0.05569962707752558},{"text":"This is like a trusted partner with this and Wilson Estate information.","start":1340.5149,"end":1343.815,"sentiment":"neutral","sentiment_score":0.11127647571265697},{"text":"Yeah.","start":1344.0349,"end":1344.5349,"sentiment":"neutral","sentiment_score":0.04520347714424133},{"text":"And you can just have a a look at that and see.","start":1344.595,"end":1347.6549,"sentiment":"neutral","sentiment_score":0.05599017534404993},{"text":"And their service is completely different to us.","start":1347.8201,"end":1349.74,"sentiment":"neutral","sentiment_score":-0.07257806975394487}],"sentiment":"neutral","sentiment_score":0.05054034592590334,"num_words":71,"start":1329.6499,"end":1349.74},{"sentences":[{"text":"I couldn't sort of say if they'd sort of be able to pair up things and stuff.","start":1349.74,"end":1352.7001,"sentiment":"neutral","sentiment_score":-0.004514490856843836},{"text":"Yeah.","start":1352.7001,"end":1353.2001,"sentiment":"neutral","sentiment_score":0.07943826168775558},{"text":"Yeah.","start":1353.5,"end":1353.8201,"sentiment":"neutral","sentiment_score":0.07726040482521057},{"text":"But you might be able to sort of just give them a phone call and and just inquire.","start":1353.8201,"end":1356.88,"sentiment":"neutral","sentiment_score":0.10028170256151094},{"text":"Yeah.","start":1367.675,"end":1368.175,"sentiment":"neutral","sentiment_score":0.029924165457487103}],"sentiment":"neutral","sentiment_score":0.05039334561871855,"num_words":38,"start":1349.74,"end":1368.175},{"sentences":[{"text":"It's just every every day you gotta decide what to eat.","start":1368.395,"end":1371.3551,"sentiment":"neutral","sentiment_score":0.03435507882386446},{"text":"There's no real break.","start":1371.3551,"end":1372.2351,"sentiment":"neutral","sentiment_score":-0.011778621934354305},{"text":"It's just one thing.","start":1372.2351,"end":1373.615,"sentiment":"neutral","sentiment_score":0.02708276640623808},{"text":"Yeah.","start":1373.675,"end":1374.15,"sentiment":"neutral","sentiment_score":0.04416906088590622},{"text":"No problem, Michelle.","start":1379.75,"end":1380.55,"sentiment":"positive","sentiment_score":0.6060880422592163}],"sentiment":"neutral","sentiment_score":0.10006763620059127,"num_words":23,"start":1368.395,"end":1380.55},{"sentences":[{"text":"You enjoy the rest of your day there, and, yeah, just give us a call when you're ready to have a bit more of a discussion around that.","start":1380.55,"end":1385.169,"sentiment":"positive","sentiment_score":0.498295359313488},{"text":"Perfect.","start":1391.169,"end":1391.4889,"sentiment":"positive","sentiment_score":0.5118746161460876},{"text":"No problem, Michelle.","start":1391.4889,"end":1392.3689,"sentiment":"neutral","sentiment_score":0.1410153011480967},{"text":"Thanks.","start":1392.3689,"end":1392.689,"sentiment":"positive","sentiment_score":0.5567166805267334},{"text":"Bye now.","start":1392.689,"end":1393.429,"sentiment":"positive","sentiment_score":0.40757720172405243}],"sentiment":"positive","sentiment_score":0.4645446189812252,"num_words":35,"start":1380.55,"end":1393.429}]}}]},{"alternatives":[{"transcript":"Hello. Michelle speaking. Hi, Kyle. How are you? Thanks. Thanks for your call. Is it Phoebe? Yep. Yep. Yeah. I do. So so since I last spoke with you, I've been well, it's been a lot. So my my grandma left the property to myself and my three children and a couple of cousins. But then since her passing, my uncles have taken us to court, and so the money has been redistributed. And my children still get something. So the whole thing was my children were too young to receive an inheritance. That was their argument. We had king's council and everyone involved. It was quite spectacular. So, yeah, turns out I was self represented, so that was really interesting. We we're still getting a bit of money, so I believe it might be just from my calculations. The kids get 10% of whatever the sale was. So the settlement went through last Monday. So I'm expecting, I think, from my random calculations a while ago about, what, 150,000 possibly, I've gone and put it at 1.5 because I just don't know how much exactly, but it's gonna be around $1.50. And that's gonna go to the children. And my question is, like, where does it go? Does it does it go into their bank accounts? Do I need to set up something for them? You know? At this point in time yeah. Okay. Yeah. Yeah. Yeah. That's what it was for. Right. So this is okay. Because this is where I am at the moment. I don't wanna pay the so I'm just self represented in this whole case. There's there's a lot of lawyers involved in this, and my dad's got a lawyer, a solicitor. He's the executor, so he's the one who is, you know, in contact. I I I get legal advice through him, basically, through his because, yeah, it costs $500 for an email. And so I've been hesitant to say, okay. So where what should I be doing here? Just because that's gonna cost me, you know, a thousand dollars as a as a communication. So I was thinking I will just get one step ahead. So what I'm waiting on so settlement happened on Monday. We've received an email to say that the the funds are being calculated, so the percentages are being calculated, and then we'll receive something else. So I just wanted to know just to to save time because likely chance is if it all doesn't get distributed at the same time, you know, let let's say I don't have an account for my kids, you know, and we just are all waiting on me to set something so that my kids can have it. My uncles are likely to come in and sue me for interest loss or something like that. Like, it's become so nasty. So I was just trying to get one step ahead of the game and and set something up for my kids so that on when we get that email to say, yep. Where's it going? I've already got a place for them, but it looks like I just need to wait. Yeah. Would I set that up? Sorry to interrupt. Would I set that up in all three of the kids' names? Can you do that? But but it would have to be for each individual child. That needs three different accounts. Is that what that could be? Yeah. It does say that they can't access it until '21. So I'm, you know, I'm just assuming. Okay. Yeah. In regards to them, I do have a copy of that from when we went through the court. So I'll have a good look at that. I just wondered if I could yeah. Okay. Nice. Yeah. So my other question was when I was going through everything and, you know, I got support from the barrister. I think he did a little under the table wink, you know, at me as to save my children some some loss because they've obviously lost the most out of everyone. He said to me that I could invest it and I could grow that money so that when it they are 21, I could get it back up to, you know, a larger amount for them. Well, also, amount more in line with what my grandmother was wanting to give to them. But yeah. Okay. Yeah. Alright. Yep. Right. Okay. Yeah. Yeah. Yep. Yes. Yeah. Right. Right. Yes. Yes. Okay. That makes sense. So I can set up just just give me a moment. Hello? I wasn't expecting you. Yeah. Would you like to come in and just do your okay. Beautiful. I'm just in a meeting. So you've got everything in the cabinet? Oh, let me just let me just clear out the laundry for you. Oh, sorry. I've just got an unexpected person to visit. Thank you. I'm just clearing out some things I didn't realize. Visitor. Sorry about that. Yeah. Thank you. Okay. I just have another question as well, and that's in regards to my inheritance and how that will work. But okay. Sorry. Thank you. Everything should be. I've just got white soaking in there. No? Alright. Alright. No worries. I'll be I'll talk to you in a minute. Alright. Looks like I'm getting my driver fixed today, which is great. Yes. Yes. Okay. So we were just talking about a trust for the kids and how it might be better managed. Yes. Okay. And the unearned income I was just writing some notes down. Sorry about that. Yeah. Yeah. No. Well, I'm just my uncles have just been on everything every step of the way. So I just wanted to sort of eliminate any, yeah, concerns that they're going to, you know, possibly have with not receiving things on time or yeah. Just everything, actually. I will just cover every day. So my my other question, do you mind if I just go on to my other question for you? So my husband and I, married fifteen years, you know, we're we're pretty solid, and we've got this house all in his name. So we did that early you know, that fifteen years ago, we were gonna go for the first homeowners grant, but then he couldn't get it because I'd already had it. You know, I came into the house with a $100,000, So I went guarantor for him. So we sort of made it in a way that it was best for us if the house is in his name. So my thoughts were we would be selling because I was doing a buying and selling thing back, you know, twenty years ago, getting in in that little boom. And yeah. So it turns out we didn't sell in a year or five years. We're still here. Fifteen years later, it's our home. So I was wondering how do I get my name onto our home and onto our home loan. Is that something that we can do? Yep. Okay. Yeah. So our situation was my husband was working for his dad for twenty years. So since 14, you know, as soon as he was able to work. And then in that twenty year period, it turns out that he was never employed. He was never paying tax. There was no tax. There was just nothing. None none of it was legitimate. He wasn't even a qualified plumber. His dad had just told him that he was. So when we got this yeah. It was a massive thing, which is when I originally contacted you guys for some financial support because that was insane. We got a tax bill for $202,150,000 dollars or something. And my husband's like, what's this from? You know, called his dad and his dad. It's very abusive. It was severe financial abuse that we were in. And so to counter all of that, we actually refinanced our home. So we had equity. So we paid the tax bill with the equity. We consolidated all of our car loan and everything, and that happened probably two years ago. So the reason why I'm just so hesitant and I'm so concerned, if anything happened to him, how do his parents then fit into that mix if we don't have my name on this home as well, if that makes sense? Yeah. Yep. Yep. Yeah. Yep. Yeah. Although I suppose what I was because I'm not quite earning just yet, so I probably will need to talk to you about, you know, is there a certain number of years that I need to be proving consistent income? You know, what what would be the best time frame to put my name on the onto the home loan? Okay. Yeah. To us. Yep. Yep. Yep. Oh, yeah. Yeah. And come and say, well, I'm entitled to this and yeah. I I've been my favorite. Yeah. Yeah. Yeah. Yeah. So that's more coming from my parents who want to see me more protected, But then my parents divorced, and so they don't know what it's like. I'm supposed to have a a marriage that you're sticking through. So yeah. It's yeah. For me, it's okay. I just probably yeah. I just feel I need to talk to someone, especially because I'm getting a a large sum of money, and it's enough to, you know, pay off the mortgage. But I don't wanna pay it off because it's not my mortgage. There's just a few things there that I don't quite know how to how to go about. But okay. Yeah. In one asset. Yep. Yep. To a lawyer. Yep. Yep. Let's hear about that. Okay. Yep. Yep. Yep. Yeah. So in terms of investing as well, because this is something that I've I think I should be getting about $250,000, which is more money than I've ever had in my whole life. So it's sort of like I don't want to. We're gonna be doing some renovations, but I don't wanna just blow it, like, have it disappear. So what I'd love to do ideally is to somehow make a little portion of that become like a passive or an ongoing income or, you know, like, invest it or just do something with it. I've never had money to play with, but this, yeah, just feels like a new option for me when it comes to what what do people do, like, with money. I've never had money. So yeah. Yeah. No. Yes. Okay. Yeah. Yeah. Yep. Right. All of that sort of stuff. Because that's where my uncles went wrong. Like, everyone's at the end of their working life, and they've all got millions in super. But then what that was going to be worth with the increase in the cost of living, their super is not as valuable as they assumed it would be. That's where this whole thing has come from. So I don't really wanna have everything all in one place. So, yeah, I'm just really thinking about how to move forward with the the times as well, like, what, yeah, what's some sensible decisions to this to make. But, yeah, that will come probably a bit later. I feel like I'm really overwhelmed at the moment just with the thought of it. So Yes. Yeah. One thing and then another. Yeah. Yeah. Okay. I'm getting it all done. Yep. Yeah. Yeah. Yeah. They're just it's just a lot. I mean, you're still living at the other end of the tax bracket. Is that yeah. Alright. Look. I'm just gonna leave that. I feel yeah. I've got a whole page of notes here, and I'm gonna leave it at that today, Kyle, if that's alright. I might I'm gonna find out the exact amount of money that's coming, and then, yeah, you've given me a few things to look into and think about today. We have yeah. Yeah. So I I know that I've got my insurances with QSuper because I I needed, like, two years of continuous income to get insurance in other with other companies. But, yeah, I've sort of my business is about to go into launch, like, an online course business. So I've shifted my in person business to online. So that's where I'm sort of at a new stage where I wasn't expecting to be in, but, yeah, the money is not gonna be coming in through the business continuously, just not for another few months. I just need a little bit of support with that as well with marketing and stuff. So, yeah, it's all kind of still up in the air, but it will stabilize soon. I'm sure. Then you'll be able to work with me easier. It's good. Yeah. I know. Right? Thanks for being there. Yeah. Yeah. Yep. Okay. Alright. Thank you. I really appreciate your time and expertise in this conversation. Yes, please. Yes. I know. Right. Everyone yeah. Yep. I feel yep. Alright. Awesome. Yeah. I would really appreciate that. Like, full adult and, you know, adult life has really come and hit me. Yes. I'm with the group. I know. I know. Right? Yeah. Okay. Alright. Thank you very much for your time this morning. I really appreciate it. It. Yeah. Yeah. Will do when I know numbers and stuff. I'll get I'll get back on to you. Alright. Thank you. Thanks. 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Michelle speaking. Hi, Kyle. How are you? Thanks.\n\nThanks for your call. Is it Phoebe? Yep. Yep. Yeah.\n\nI do. So so since I last spoke with you, I've been well, it's been a lot. So my my grandma left the property to myself and my three children and a couple of cousins. But then since her passing, my uncles have taken us to court, and so the money has been redistributed. And my children still get something.\n\nSo the whole thing was my children were too young to receive an inheritance. That was their argument. We had king's council and everyone involved. It was quite spectacular. So, yeah, turns out I was self represented, so that was really interesting.\n\nWe we're still getting a bit of money, so I believe it might be just from my calculations. The kids get 10% of whatever the sale was. So the settlement went through last Monday. So I'm expecting, I think, from my random calculations a while ago about, what, 150,000 possibly, I've gone and put it at 1.5 because I just don't know how much exactly, but it's gonna be around $1.50. And that's gonna go to the children.\n\nAnd my question is, like, where does it go? Does it does it go into their bank accounts? Do I need to set up something for them? You know? At this point in time yeah.\n\nOkay. Yeah. Yeah. Yeah. That's what it was for.\n\nRight. So this is okay. Because this is where I am at the moment. I don't wanna pay the so I'm just self represented in this whole case. There's there's a lot of lawyers involved in this, and my dad's got a lawyer, a solicitor.\n\nHe's the executor, so he's the one who is, you know, in contact. I I I get legal advice through him, basically, through his because, yeah, it costs $500 for an email. And so I've been hesitant to say, okay. So where what should I be doing here? Just because that's gonna cost me, you know, a thousand dollars as a as a communication.\n\nSo I was thinking I will just get one step ahead. So what I'm waiting on so settlement happened on Monday. We've received an email to say that the the funds are being calculated, so the percentages are being calculated, and then we'll receive something else. So I just wanted to know just to to save time because likely chance is if it all doesn't get distributed at the same time, you know, let let's say I don't have an account for my kids, you know, and we just are all waiting on me to set something so that my kids can have it. My uncles are likely to come in and sue me for interest loss or something like that.\n\nLike, it's become so nasty. So I was just trying to get one step ahead of the game and and set something up for my kids so that on when we get that email to say, yep. Where's it going? I've already got a place for them, but it looks like I just need to wait. Yeah.\n\nWould I set that up? Sorry to interrupt. Would I set that up in all three of the kids' names? Can you do that? But but it would have to be for each individual child.\n\nThat needs three different accounts. Is that what that could be? Yeah. It does say that they can't access it until '21. So I'm, you know, I'm just assuming.\n\nOkay. Yeah. In regards to them, I do have a copy of that from when we went through the court. So I'll have a good look at that. I just wondered if I could yeah.\n\nOkay. Nice. Yeah. So my other question was when I was going through everything and, you know, I got support from the barrister. I think he did a little under the table wink, you know, at me as to save my children some some loss because they've obviously lost the most out of everyone.\n\nHe said to me that I could invest it and I could grow that money so that when it they are 21, I could get it back up to, you know, a larger amount for them. Well, also, amount more in line with what my grandmother was wanting to give to them. But yeah. Okay. Yeah.\n\nAlright. Yep. Right. Okay. Yeah.\n\nYeah. Yep. Yes. Yeah. Right.\n\nRight. Yes. Yes. Okay. That makes sense.\n\nSo I can set up just just give me a moment. Hello? I wasn't expecting you. Yeah. Would you like to come in and just do your okay.\n\nBeautiful. I'm just in a meeting. So you've got everything in the cabinet? Oh, let me just let me just clear out the laundry for you. Oh, sorry.\n\nI've just got an unexpected person to visit. Thank you. I'm just clearing out some things I didn't realize. Visitor. Sorry about that.\n\nYeah. Thank you. Okay. I just have another question as well, and that's in regards to my inheritance and how that will work. But okay.\n\nSorry. Thank you. Everything should be. I've just got white soaking in there. No?\n\nAlright. Alright. No worries. I'll be I'll talk to you in a minute. Alright.\n\nLooks like I'm getting my driver fixed today, which is great. Yes. Yes. Okay. So we were just talking about a trust for the kids and how it might be better managed.\n\nYes. Okay. And the unearned income I was just writing some notes down. Sorry about that. Yeah.\n\nYeah. No. Well, I'm just my uncles have just been on everything every step of the way. So I just wanted to sort of eliminate any, yeah, concerns that they're going to, you know, possibly have with not receiving things on time or yeah. Just everything, actually.\n\nI will just cover every day. So my my other question, do you mind if I just go on to my other question for you? So my husband and I, married fifteen years, you know, we're we're pretty solid, and we've got this house all in his name. So we did that early you know, that fifteen years ago, we were gonna go for the first homeowners grant, but then he couldn't get it because I'd already had it. You know, I came into the house with a $100,000, So I went guarantor for him.\n\nSo we sort of made it in a way that it was best for us if the house is in his name. So my thoughts were we would be selling because I was doing a buying and selling thing back, you know, twenty years ago, getting in in that little boom. And yeah. So it turns out we didn't sell in a year or five years. We're still here.\n\nFifteen years later, it's our home. So I was wondering how do I get my name onto our home and onto our home loan. Is that something that we can do? Yep. Okay.\n\nYeah. So our situation was my husband was working for his dad for twenty years. So since 14, you know, as soon as he was able to work. And then in that twenty year period, it turns out that he was never employed. He was never paying tax.\n\nThere was no tax. There was just nothing. None none of it was legitimate. He wasn't even a qualified plumber. His dad had just told him that he was.\n\nSo when we got this yeah. It was a massive thing, which is when I originally contacted you guys for some financial support because that was insane. We got a tax bill for $202,150,000 dollars or something. And my husband's like, what's this from? You know, called his dad and his dad.\n\nIt's very abusive. It was severe financial abuse that we were in. And so to counter all of that, we actually refinanced our home. So we had equity. So we paid the tax bill with the equity.\n\nWe consolidated all of our car loan and everything, and that happened probably two years ago. So the reason why I'm just so hesitant and I'm so concerned, if anything happened to him, how do his parents then fit into that mix if we don't have my name on this home as well, if that makes sense? Yeah. Yep. Yep.\n\nYeah. Yep. Yeah. Although I suppose what I was because I'm not quite earning just yet, so I probably will need to talk to you about, you know, is there a certain number of years that I need to be proving consistent income? You know, what what would be the best time frame to put my name on the onto the home loan?\n\nOkay. Yeah. To us. Yep. Yep.\n\nYep. Oh, yeah. Yeah. And come and say, well, I'm entitled to this and yeah. I I've been my favorite.\n\nYeah. Yeah. Yeah. Yeah. So that's more coming from my parents who want to see me more protected, But then my parents divorced, and so they don't know what it's like.\n\nI'm supposed to have a a marriage that you're sticking through. So yeah. It's yeah. For me, it's okay. I just probably yeah.\n\nI just feel I need to talk to someone, especially because I'm getting a a large sum of money, and it's enough to, you know, pay off the mortgage. But I don't wanna pay it off because it's not my mortgage. There's just a few things there that I don't quite know how to how to go about. But okay. Yeah.\n\nIn one asset. Yep. Yep. To a lawyer. Yep.\n\nYep. Let's hear about that. Okay. Yep. Yep.\n\nYep. Yeah. So in terms of investing as well, because this is something that I've I think I should be getting about $250,000, which is more money than I've ever had in my whole life. So it's sort of like I don't want to. We're gonna be doing some renovations, but I don't wanna just blow it, like, have it disappear.\n\nSo what I'd love to do ideally is to somehow make a little portion of that become like a passive or an ongoing income or, you know, like, invest it or just do something with it. I've never had money to play with, but this, yeah, just feels like a new option for me when it comes to what what do people do, like, with money. I've never had money. So yeah. Yeah.\n\nNo. Yes. Okay. Yeah. Yeah.\n\nYep. Right. All of that sort of stuff. Because that's where my uncles went wrong. Like, everyone's at the end of their working life, and they've all got millions in super.\n\nBut then what that was going to be worth with the increase in the cost of living, their super is not as valuable as they assumed it would be. That's where this whole thing has come from. So I don't really wanna have everything all in one place. So, yeah, I'm just really thinking about how to move forward with the the times as well, like, what, yeah, what's some sensible decisions to this to make. But, yeah, that will come probably a bit later.\n\nI feel like I'm really overwhelmed at the moment just with the thought of it. So Yes. Yeah. One thing and then another. Yeah.\n\nYeah. Okay. I'm getting it all done. Yep. Yeah.\n\nYeah. Yeah. They're just it's just a lot. I mean, you're still living at the other end of the tax bracket. Is that yeah.\n\nAlright. Look. I'm just gonna leave that. I feel yeah. I've got a whole page of notes here, and I'm gonna leave it at that today, Kyle, if that's alright.\n\nI might I'm gonna find out the exact amount of money that's coming, and then, yeah, you've given me a few things to look into and think about today. We have yeah. Yeah. So I I know that I've got my insurances with QSuper because I I needed, like, two years of continuous income to get insurance in other with other companies. But, yeah, I've sort of my business is about to go into launch, like, an online course business.\n\nSo I've shifted my in person business to online. So that's where I'm sort of at a new stage where I wasn't expecting to be in, but, yeah, the money is not gonna be coming in through the business continuously, just not for another few months. I just need a little bit of support with that as well with marketing and stuff. So, yeah, it's all kind of still up in the air, but it will stabilize soon. I'm sure.\n\nThen you'll be able to work with me easier. It's good. Yeah. I know. Right?\n\nThanks for being there. Yeah. Yeah. Yep. Okay.\n\nAlright. Thank you. I really appreciate your time and expertise in this conversation. Yes, please. Yes.\n\nI know. Right. Everyone yeah. Yep. I feel yep.\n\nAlright. Awesome. Yeah. I would really appreciate that. Like, full adult and, you know, adult life has really come and hit me.\n\nYes. I'm with the group. I know. I know. Right?\n\nYeah. Okay. Alright. Thank you very much for your time this morning. I really appreciate it.\n\nIt. Yeah. Yeah. Will do when I know numbers and stuff. I'll get I'll get back on to you.\n\nAlright. Thank you. Thanks. Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":0.39999998,"end":0.79999995,"sentiment":"neutral","sentiment_score":0.0422157421708107},{"text":"Michelle speaking.","start":0.79999995,"end":4.66,"sentiment":"neutral","sentiment_score":0.11209464259445667},{"text":"Hi, Kyle.","start":4.72,"end":5.44,"sentiment":"neutral","sentiment_score":0.08887052536010742},{"text":"How are you?","start":5.44,"end":6.2599998,"sentiment":"neutral","sentiment_score":0.10340935985247295},{"text":"Thanks.","start":7.04,"end":7.54,"sentiment":"positive","sentiment_score":0.3463232219219208}],"sentiment":"neutral","sentiment_score":0.12229970883991984,"num_words":9,"start":0.39999998,"end":7.54},{"sentences":[{"text":"Thanks for your call.","start":8.32,"end":9.54,"sentiment":"positive","sentiment_score":0.6567259728908539},{"text":"Is it Phoebe?","start":16.735,"end":17.635,"sentiment":"neutral","sentiment_score":0.047864966094493866},{"text":"Yep.","start":23.935001,"end":23.982502,"sentiment":"neutral","sentiment_score":0.04996393620967865},{"text":"Yep.","start":23.982502,"end":24.03,"sentiment":"neutral","sentiment_score":0.03839778155088425},{"text":"Yeah.","start":30.59,"end":31.09,"sentiment":"neutral","sentiment_score":-0.015170066617429256}],"sentiment":"neutral","sentiment_score":0.2843690440990031,"num_words":10,"start":8.32,"end":31.09},{"sentences":[{"text":"I do.","start":34.83,"end":35.57,"sentiment":"neutral","sentiment_score":0.004126016981899738},{"text":"So so since I last spoke with you, I've been well, it's been a lot.","start":35.71,"end":43.315002,"sentiment":"neutral","sentiment_score":-0.010927992562452951},{"text":"So my my grandma left the property to myself and my three children and a couple of cousins.","start":43.315002,"end":49.975,"sentiment":"neutral","sentiment_score":-0.021354770339611504},{"text":"But then since her passing, my uncles have taken us to court, and so the money has been redistributed.","start":50.435,"end":57.25,"sentiment":"neutral","sentiment_score":-0.0940394121173181},{"text":"And my children still get something.","start":59.230003,"end":61.57,"sentiment":"neutral","sentiment_score":-0.0791219932337602}],"sentiment":"neutral","sentiment_score":-0.046692241836960115,"num_words":60,"start":34.83,"end":61.57},{"sentences":[{"text":"So the whole thing was my children were too young to receive an inheritance.","start":61.710003,"end":65.25,"sentiment":"neutral","sentiment_score":-0.1419779770076275},{"text":"That was their argument.","start":65.31,"end":66.270004,"sentiment":"neutral","sentiment_score":-0.0909624770283699},{"text":"We had king's council and everyone involved.","start":66.270004,"end":68.43,"sentiment":"neutral","sentiment_score":0.10455137171915599},{"text":"It was quite spectacular.","start":68.43,"end":70.265,"sentiment":"neutral","sentiment_score":0.2708664909005165},{"text":"So, yeah, turns out I was self represented, so that was really interesting.","start":71.845,"end":75.385,"sentiment":"neutral","sentiment_score":0.020359403382127102}],"sentiment":"neutral","sentiment_score":-0.006465328014677479,"num_words":42,"start":61.710003,"end":75.385},{"sentences":[{"text":"We we're still getting a bit of money, so I believe it might be just from my calculations.","start":77.205,"end":82.585,"sentiment":"neutral","sentiment_score":-0.010234360376165973},{"text":"The kids get 10% of whatever the sale was.","start":82.645004,"end":86.69,"sentiment":"neutral","sentiment_score":-0.006764543760153983},{"text":"So the settlement went through last Monday.","start":87.63,"end":90.21,"sentiment":"neutral","sentiment_score":0.0014928728342056274},{"text":"So I'm expecting, I think, from my random calculations a while ago about, what, 150,000 possibly, I've gone and put it at 1.5 because I just don't know how much exactly, but it's gonna be around $1.50.","start":90.83,"end":106.085,"sentiment":"neutral","sentiment_score":-0.009163945798472678},{"text":"And that's gonna go to the children.","start":107.424995,"end":109.604996,"sentiment":"neutral","sentiment_score":0.022181195339986255}],"sentiment":"neutral","sentiment_score":-0.005364703819698964,"num_words":78,"start":77.205,"end":109.604996},{"sentences":[{"text":"And my question is, like, where does it go?","start":110.545,"end":114.22,"sentiment":"neutral","sentiment_score":-0.041581488110952906},{"text":"Does it does it go into their bank accounts?","start":115.56,"end":117.9,"sentiment":"neutral","sentiment_score":-0.03651790196696917},{"text":"Do I need to set up something for them?","start":118.04,"end":121.18,"sentiment":"neutral","sentiment_score":-0.0450940475695663},{"text":"You know?","start":121.4,"end":122.06,"sentiment":"neutral","sentiment_score":-0.03305351082235575},{"text":"At this point in time yeah.","start":122.36,"end":124.86,"sentiment":"neutral","sentiment_score":-0.057081363474329315}],"sentiment":"neutral","sentiment_score":-0.04335246118051665,"num_words":35,"start":110.545,"end":124.86},{"sentences":[{"text":"Okay.","start":129.615,"end":130.115,"sentiment":"neutral","sentiment_score":-0.031967438757419586},{"text":"Yeah.","start":139.375,"end":139.875,"sentiment":"neutral","sentiment_score":-0.02303430438041687},{"text":"Yeah.","start":140.655,"end":141.155,"sentiment":"neutral","sentiment_score":-0.0049803294241428375},{"text":"Yeah.","start":145.48001,"end":145.88,"sentiment":"neutral","sentiment_score":0.00174669548869133},{"text":"That's what it was for.","start":145.88,"end":147.26001,"sentiment":"neutral","sentiment_score":-0.0316945843398571}],"sentiment":"neutral","sentiment_score":-0.024078699863619275,"num_words":9,"start":129.615,"end":147.26001},{"sentences":[{"text":"Right.","start":152.36,"end":152.86,"sentiment":"neutral","sentiment_score":-0.06120504438877106},{"text":"So this is okay.","start":153.0,"end":154.70001,"sentiment":"neutral","sentiment_score":-0.0452273003757},{"text":"Because this is where I am at the moment.","start":155.0,"end":157.08,"sentiment":"neutral","sentiment_score":-0.11086862368716134},{"text":"I don't wanna pay the so I'm just self represented in this whole case.","start":157.08,"end":160.735,"sentiment":"negative","sentiment_score":-0.37149244972637724},{"text":"There's there's a lot of lawyers involved in this, and my dad's got a lawyer, a solicitor.","start":160.735,"end":166.915,"sentiment":"neutral","sentiment_score":-0.2283432812375181}],"sentiment":"neutral","sentiment_score":-0.22939248747295804,"num_words":45,"start":152.36,"end":166.915},{"sentences":[{"text":"He's the executor, so he's the one who is, you know, in contact.","start":167.295,"end":172.39,"sentiment":"neutral","sentiment_score":-0.12549022470529264},{"text":"I I I get legal advice through him, basically, through his because, yeah, it costs $500 for an email.","start":172.53,"end":180.63,"sentiment":"neutral","sentiment_score":-0.14505735196565328},{"text":"And so I've been hesitant to say, okay.","start":180.77,"end":182.85,"sentiment":"negative","sentiment_score":-0.37120820581912994},{"text":"So where what should I be doing here?","start":182.85,"end":185.03,"sentiment":"neutral","sentiment_score":-0.3069358728826046},{"text":"Just because that's gonna cost me, you know, a thousand dollars as a as a communication.","start":185.545,"end":191.645,"sentiment":"neutral","sentiment_score":-0.2674459097906947}],"sentiment":"neutral","sentiment_score":-0.22018359054345638,"num_words":64,"start":167.295,"end":191.645},{"sentences":[{"text":"So I was thinking I will just get one step ahead.","start":192.185,"end":194.74501,"sentiment":"neutral","sentiment_score":0.002890090373429385},{"text":"So what I'm waiting on so settlement happened on Monday.","start":194.74501,"end":197.565,"sentiment":"neutral","sentiment_score":0.050524283200502396},{"text":"We've received an email to say that the the funds are being calculated, so the percentages are being calculated, and then we'll receive something else.","start":197.88,"end":207.31999,"sentiment":"neutral","sentiment_score":-0.01626879185438156},{"text":"So I just wanted to know just to to save time because likely chance is if it all doesn't get distributed at the same time, you know, let let's say I don't have an account for my kids, you know, and we just are all waiting on me to set something so that my kids can have it.","start":207.31999,"end":227.09,"sentiment":"negative","sentiment_score":-0.36963191345847884},{"text":"My uncles are likely to come in and sue me for interest loss or something like that.","start":227.09,"end":231.97,"sentiment":"negative","sentiment_score":-0.7427012359394747}],"sentiment":"neutral","sentiment_score":-0.28044841290751765,"num_words":121,"start":192.185,"end":231.97},{"sentences":[{"text":"Like, it's become so nasty.","start":231.97,"end":234.15,"sentiment":"negative","sentiment_score":-0.5981109023094178},{"text":"So I was just trying to get one step ahead of the game and and set something up for my kids so that on when we get that email to say, yep.","start":234.20999,"end":242.405,"sentiment":"positive","sentiment_score":0.5016417521983385},{"text":"Where's it going?","start":242.405,"end":243.52501,"sentiment":"neutral","sentiment_score":0.2309920440117518},{"text":"I've already got a place for them, but it looks like I just need to wait.","start":243.52501,"end":247.705,"sentiment":"neutral","sentiment_score":0.07196449441835284},{"text":"Yeah.","start":272.76498,"end":273.26498,"sentiment":"neutral","sentiment_score":0.00922231748700142}],"sentiment":"neutral","sentiment_score":0.2616774020879938,"num_words":57,"start":231.97,"end":273.26498},{"sentences":[{"text":"Would I set that up?","start":275.405,"end":276.66,"sentiment":"neutral","sentiment_score":0.056857756525278094},{"text":"Sorry to interrupt.","start":276.74,"end":277.38,"sentiment":"neutral","sentiment_score":-0.07623334228992462},{"text":"Would I set that up in all three of the kids' names?","start":277.38,"end":280.02,"sentiment":"neutral","sentiment_score":-0.008863491782297691},{"text":"Can you do that?","start":280.02,"end":281.0,"sentiment":"neutral","sentiment_score":0.002139376476407051},{"text":"But but it would have to be for each individual child.","start":287.3,"end":290.1,"sentiment":"neutral","sentiment_score":-0.0568466413427483}],"sentiment":"neutral","sentiment_score":-0.019072248414158822,"num_words":35,"start":275.405,"end":290.1},{"sentences":[{"text":"That needs three different accounts.","start":290.1,"end":291.575,"sentiment":"neutral","sentiment_score":-0.07327717691659927},{"text":"Is that what that could be?","start":291.575,"end":293.595,"sentiment":"neutral","sentiment_score":-0.03600281849503517},{"text":"Yeah.","start":298.375,"end":298.875,"sentiment":"neutral","sentiment_score":-0.07442448288202286},{"text":"It does say that they can't access it until '21.","start":300.215,"end":303.27,"sentiment":"neutral","sentiment_score":-0.23616681843996049},{"text":"So I'm, you know, I'm just assuming.","start":303.27,"end":305.69,"sentiment":"neutral","sentiment_score":-0.1698549794299262}],"sentiment":"neutral","sentiment_score":-0.14508552823601098,"num_words":29,"start":290.1,"end":305.69},{"sentences":[{"text":"Okay.","start":329.045,"end":329.545,"sentiment":"neutral","sentiment_score":0.02061278000473976},{"text":"Yeah.","start":329.605,"end":330.105,"sentiment":"neutral","sentiment_score":0.06894448399543762},{"text":"In regards to them, I do have a copy of that from when we went through the court.","start":331.18,"end":335.02,"sentiment":"neutral","sentiment_score":0.1296539136932956},{"text":"So I'll have a good look at that.","start":335.02,"end":337.44,"sentiment":"neutral","sentiment_score":0.2934260964393616},{"text":"I just wondered if I could yeah.","start":338.37997,"end":340.24,"sentiment":"neutral","sentiment_score":0.038504443264433315}],"sentiment":"neutral","sentiment_score":0.1440076452812978,"num_words":35,"start":329.045,"end":340.24},{"sentences":[{"text":"Okay.","start":342.94,"end":343.44,"sentiment":"neutral","sentiment_score":0.07511508464813232},{"text":"Nice.","start":344.01498,"end":344.51498,"sentiment":"neutral","sentiment_score":0.17538583278656006},{"text":"Yeah.","start":347.29498,"end":347.69498,"sentiment":"neutral","sentiment_score":0.10789664089679718},{"text":"So my other question was when I was going through everything and, you know, I got support from the barrister.","start":347.69498,"end":354.495,"sentiment":"neutral","sentiment_score":0.11413537729531527},{"text":"I think he did a little under the table wink, you know, at me as to save my children some some loss because they've obviously lost the most out of everyone.","start":354.495,"end":364.27,"sentiment":"neutral","sentiment_score":0.06726013460466938}],"sentiment":"neutral","sentiment_score":0.08752165327745455,"num_words":54,"start":342.94,"end":364.27},{"sentences":[{"text":"He said to me that I could invest it and I could grow that money so that when it they are 21, I could get it back up to, you know, a larger amount for them.","start":364.57,"end":374.445,"sentiment":"positive","sentiment_score":0.357257931596703},{"text":"Well, also, amount more in line with what my grandmother was wanting to give to them.","start":374.98502,"end":379.325,"sentiment":"neutral","sentiment_score":0.18862433824688196},{"text":"But yeah.","start":380.58502,"end":381.405,"sentiment":"neutral","sentiment_score":0.12953752279281616},{"text":"Okay.","start":389.96,"end":390.46,"sentiment":"neutral","sentiment_score":0.1898949146270752},{"text":"Yeah.","start":391.8,"end":392.04,"sentiment":"neutral","sentiment_score":0.14482419192790985}],"sentiment":"neutral","sentiment_score":0.2941619482423578,"num_words":56,"start":364.57,"end":392.04},{"sentences":[{"text":"Alright.","start":392.04,"end":392.54,"sentiment":"neutral","sentiment_score":0.19020745158195496},{"text":"Yep.","start":393.88,"end":394.38,"sentiment":"neutral","sentiment_score":0.0866212248802185},{"text":"Right.","start":408.495,"end":408.995,"sentiment":"neutral","sentiment_score":-0.011717338114976885},{"text":"Okay.","start":409.135,"end":409.635,"sentiment":"neutral","sentiment_score":-0.07934677600860596},{"text":"Yeah.","start":419.71,"end":420.21,"sentiment":"neutral","sentiment_score":-0.17705269157886505}],"sentiment":"neutral","sentiment_score":0.0017423741519451141,"num_words":5,"start":392.04,"end":420.21},{"sentences":[{"text":"Yeah.","start":421.71,"end":422.21,"sentiment":"neutral","sentiment_score":-0.1817694455385208},{"text":"Yep.","start":431.565,"end":432.065,"sentiment":"neutral","sentiment_score":0.06440764665603638},{"text":"Yes.","start":445.28,"end":445.78,"sentiment":"neutral","sentiment_score":-0.01172757800668478},{"text":"Yeah.","start":448.24002,"end":448.72,"sentiment":"neutral","sentiment_score":0.0017989100888371468},{"text":"Right.","start":448.72,"end":449.04,"sentiment":"neutral","sentiment_score":0.04090692475438118}],"sentiment":"neutral","sentiment_score":-0.017276708409190177,"num_words":5,"start":421.71,"end":449.04},{"sentences":[{"text":"Right.","start":449.04,"end":449.54,"sentiment":"neutral","sentiment_score":0.033429838716983795},{"text":"Yes.","start":453.52002,"end":454.005,"sentiment":"neutral","sentiment_score":0.09528815001249312},{"text":"Yes.","start":454.245,"end":454.745,"sentiment":"neutral","sentiment_score":0.11024971306324004},{"text":"Okay.","start":454.885,"end":455.285,"sentiment":"neutral","sentiment_score":0.1941758096218109},{"text":"That makes sense.","start":455.285,"end":456.005,"sentiment":"neutral","sentiment_score":0.2720268468062083}],"sentiment":"neutral","sentiment_score":0.17846057883330754,"num_words":7,"start":449.04,"end":456.005},{"sentences":[{"text":"So I can set up just just give me a moment.","start":456.005,"end":458.585,"sentiment":"neutral","sentiment_score":0.1650483323769136},{"text":"Hello?","start":458.805,"end":459.305,"sentiment":"neutral","sentiment_score":0.07379193603992462},{"text":"I wasn't expecting you.","start":459.605,"end":460.885,"sentiment":"neutral","sentiment_score":0.041681175120174885},{"text":"Yeah.","start":460.885,"end":461.20502,"sentiment":"neutral","sentiment_score":0.14840441942214966},{"text":"Would you like to come in and just do your 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sorry.","start":469.58002,"end":470.06,"sentiment":"neutral","sentiment_score":-0.023747801780700684}],"sentiment":"neutral","sentiment_score":0.13453969279570238,"num_words":28,"start":463.285,"end":470.06},{"sentences":[{"text":"I've just got an unexpected person to visit.","start":470.06,"end":474.96,"sentiment":"neutral","sentiment_score":-0.006914288736879826},{"text":"Thank you.","start":478.30002,"end":479.12,"sentiment":"positive","sentiment_score":0.39758913218975067},{"text":"I'm just clearing out some things I didn't realize.","start":485.635,"end":488.775,"sentiment":"neutral","sentiment_score":0.016194515344169404},{"text":"Visitor.","start":490.435,"end":490.935,"sentiment":"neutral","sentiment_score":-0.018219737336039543},{"text":"Sorry about 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minute.","start":541.635,"end":543.495,"sentiment":"neutral","sentiment_score":0.08969049238496357},{"text":"Alright.","start":543.795,"end":544.295,"sentiment":"neutral","sentiment_score":0.2089891731739044}],"sentiment":"neutral","sentiment_score":0.0932244285941124,"num_words":14,"start":537.315,"end":544.295},{"sentences":[{"text":"Looks like I'm getting my driver fixed today, which is great.","start":544.515,"end":548.375,"sentiment":"positive","sentiment_score":0.5786421949213202},{"text":"Yes.","start":551.74005,"end":552.24005,"sentiment":"neutral","sentiment_score":0.12031356245279312},{"text":"Yes.","start":553.10004,"end":553.42004,"sentiment":"neutral","sentiment_score":0.08995825797319412},{"text":"Okay.","start":553.42004,"end":553.9,"sentiment":"neutral","sentiment_score":0.08345761895179749},{"text":"So we were just talking about a trust for the kids and how it might be better 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that.","start":567.665,"end":568.725,"sentiment":"neutral","sentiment_score":-0.1163237492243449},{"text":"Yeah.","start":574.145,"end":574.645,"sentiment":"neutral","sentiment_score":-0.007358063478022814}],"sentiment":"neutral","sentiment_score":-0.04415601061876206,"num_words":17,"start":560.7,"end":574.645},{"sentences":[{"text":"Yeah.","start":587.04004,"end":587.535,"sentiment":"neutral","sentiment_score":-0.013196352869272232},{"text":"No.","start":590.57495,"end":591.055,"sentiment":"neutral","sentiment_score":-0.06988596171140671},{"text":"Well, I'm just my uncles have just been on everything every step of the way.","start":591.055,"end":596.175,"sentiment":"neutral","sentiment_score":0.279648627837499},{"text":"So I just wanted to sort of eliminate any, yeah, concerns that they're going to, you know, possibly have with not receiving things on time or yeah.","start":596.175,"end":607.09,"sentiment":"neutral","sentiment_score":-0.03205556174119314},{"text":"Just everything, 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it.","start":630.67,"end":638.69,"sentiment":"neutral","sentiment_score":-0.025755980202267246},{"text":"You know, I came into the house with a $100,000, So I went guarantor for him.","start":639.23,"end":645.455,"sentiment":"neutral","sentiment_score":0.005975600332021713}],"sentiment":"neutral","sentiment_score":0.05544747006344168,"num_words":95,"start":608.67,"end":645.455},{"sentences":[{"text":"So we sort of made it in a way that it was best for us if the house is in his name.","start":645.455,"end":650.59503,"sentiment":"neutral","sentiment_score":0.14090717075900597},{"text":"So my thoughts were we would be selling because I was doing a buying and selling thing back, you know, twenty years ago, getting in in that little boom.","start":650.895,"end":658.87006,"sentiment":"neutral","sentiment_score":-0.00945496777522153},{"text":"And yeah.","start":659.01,"end":660.05005,"sentiment":"neutral","sentiment_score":-0.05932882986962795},{"text":"So it turns out we didn't sell in a year or five years.","start":660.05005,"end":662.61005,"sentiment":"neutral","sentiment_score":-0.20258268885887587},{"text":"We're still here.","start":662.61005,"end":663.33,"sentiment":"neutral","sentiment_score":-0.0021170799930890403}],"sentiment":"neutral","sentiment_score":0.0009736208164173623,"num_words":69,"start":645.455,"end":663.33},{"sentences":[{"text":"Fifteen years later, it's our home.","start":663.33,"end":665.11005,"sentiment":"neutral","sentiment_score":0.0198011997466286},{"text":"So I was wondering how do I get my name onto our home and onto our home loan.","start":665.49005,"end":673.97504,"sentiment":"neutral","sentiment_score":-0.013631151989102364},{"text":"Is that something that we can do?","start":676.435,"end":678.695,"sentiment":"neutral","sentiment_score":0.030569337840591158},{"text":"Yep.","start":690.31,"end":690.39,"sentiment":"neutral","sentiment_score":-0.03298353776335716},{"text":"Okay.","start":690.39,"end":690.89,"sentiment":"neutral","sentiment_score":-0.01858511194586754}],"sentiment":"neutral","sentiment_score":0.0010867629651770446,"num_words":33,"start":663.33,"end":690.89},{"sentences":[{"text":"Yeah.","start":702.73505,"end":703.23505,"sentiment":"neutral","sentiment_score":-0.04117366671562195},{"text":"So our situation was my husband was working for his dad for twenty years.","start":704.015,"end":708.35504,"sentiment":"neutral","sentiment_score":-0.06997217570564576},{"text":"So since 14, you know, as soon as he was able to work.","start":708.495,"end":711.715,"sentiment":"neutral","sentiment_score":-0.04093121364712715},{"text":"And then in that twenty year period, it turns out that he was never 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was.","start":726.63,"end":728.475,"sentiment":"neutral","sentiment_score":-0.29724910524156356}],"sentiment":"negative","sentiment_score":-0.4290068087906673,"num_words":29,"start":719.99,"end":728.475},{"sentences":[{"text":"So when we got this yeah.","start":729.27496,"end":730.71497,"sentiment":"neutral","sentiment_score":-0.15130440394083658},{"text":"It was a massive thing, which is when I originally contacted you guys for some financial support because that was insane.","start":730.71497,"end":737.935,"sentiment":"neutral","sentiment_score":-0.22018675186804362},{"text":"We got a tax bill for $202,150,000 dollars or something.","start":738.15497,"end":742.415,"sentiment":"negative","sentiment_score":-0.4367533028125763},{"text":"And my husband's like, what's this from?","start":742.98,"end":744.58,"sentiment":"negative","sentiment_score":-0.44537752866744995},{"text":"You know, called his dad and his 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sense?","start":770.135,"end":784.29,"sentiment":"negative","sentiment_score":-0.38293356757338454},{"text":"Yeah.","start":787.55,"end":787.905,"sentiment":"neutral","sentiment_score":0.01168764755129814},{"text":"Yep.","start":793.98505,"end":794.48505,"sentiment":"neutral","sentiment_score":0.0047600045800209045},{"text":"Yep.","start":795.265,"end":795.765,"sentiment":"neutral","sentiment_score":0.0416070744395256}],"sentiment":"neutral","sentiment_score":-0.27669909729932746,"num_words":60,"start":763.255,"end":795.765},{"sentences":[{"text":"Yeah.","start":811.2,"end":811.7,"sentiment":"neutral","sentiment_score":0.0741494745016098},{"text":"Yep.","start":814.63995,"end":815.025,"sentiment":"neutral","sentiment_score":0.10767515748739244},{"text":"Yeah.","start":825.905,"end":826.405,"sentiment":"neutral","sentiment_score":-0.0748153030872345},{"text":"Although I suppose what I was because I'm not quite earning just yet, so I probably will need to talk to you about, you know, is there a certain number of years that I need to be proving consistent income?","start":826.86505,"end":839.16003,"sentiment":"neutral","sentiment_score":-0.14997230432927608},{"text":"You know, what what would be the best time frame to put my name on the onto the home loan?","start":840.42,"end":848.435,"sentiment":"neutral","sentiment_score":-0.09379657804965973}],"sentiment":"neutral","sentiment_score":-0.12329864135337254,"num_words":63,"start":811.2,"end":848.435},{"sentences":[{"text":"Okay.","start":853.375,"end":853.875,"sentiment":"neutral","sentiment_score":-0.004062645137310028},{"text":"Yeah.","start":865.72003,"end":866.22003,"sentiment":"neutral","sentiment_score":0.19938939809799192},{"text":"To 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favorite.","start":906.20496,"end":912.48,"sentiment":"neutral","sentiment_score":0.053664551919791845}],"sentiment":"neutral","sentiment_score":0.09883466201426927,"num_words":20,"start":884.685,"end":912.48},{"sentences":[{"text":"Yeah.","start":912.8,"end":913.3,"sentiment":"neutral","sentiment_score":0.04083234816789627},{"text":"Yeah.","start":913.44,"end":913.94,"sentiment":"neutral","sentiment_score":0.005294810980558395},{"text":"Yeah.","start":919.19995,"end":919.69995,"sentiment":"neutral","sentiment_score":-0.09815025329589844},{"text":"Yeah.","start":919.92,"end":920.32,"sentiment":"neutral","sentiment_score":-0.07921230792999268},{"text":"So that's more coming from my parents who want to see me more protected, But then my parents divorced, and so they don't know what it's like.","start":920.32,"end":929.835,"sentiment":"neutral","sentiment_score":-0.224394080263597}],"sentiment":"neutral","sentiment_score":-0.1996734054578889,"num_words":31,"start":912.8,"end":929.835},{"sentences":[{"text":"I'm supposed to have a a marriage that you're sticking through.","start":929.835,"end":933.115,"sentiment":"neutral","sentiment_score":-0.018497965213927357},{"text":"So yeah.","start":933.115,"end":934.335,"sentiment":"neutral","sentiment_score":0.04249456338584423},{"text":"It's yeah.","start":934.395,"end":936.075,"sentiment":"neutral","sentiment_score":0.050695495679974556},{"text":"For me, it's okay.","start":936.075,"end":937.295,"sentiment":"neutral","sentiment_score":0.12736664712429047},{"text":"I just probably yeah.","start":937.59503,"end":938.715,"sentiment":"neutral","sentiment_score":-0.009421012364327908}],"sentiment":"neutral","sentiment_score":0.019768914774708126,"num_words":23,"start":929.835,"end":938.715},{"sentences":[{"text":"I just feel I need to talk to someone, especially because I'm getting a a large sum of money, and it's enough to, you know, pay off the mortgage.","start":938.715,"end":946.01,"sentiment":"neutral","sentiment_score":-0.16027023257880374},{"text":"But I don't wanna pay it off because it's not my mortgage.","start":946.87,"end":949.69,"sentiment":"negative","sentiment_score":-0.3832828973730405},{"text":"There's just a few things there that I don't quite know how to how to go about.","start":949.83,"end":954.515,"sentiment":"neutral","sentiment_score":-0.29052118781734915},{"text":"But okay.","start":954.65497,"end":964.835,"sentiment":"neutral","sentiment_score":0.11152243614196777},{"text":"Yeah.","start":968.095,"end":968.4,"sentiment":"neutral","sentiment_score":0.00860920175909996}],"sentiment":"neutral","sentiment_score":-0.22876127265760157,"num_words":61,"start":938.715,"end":968.4},{"sentences":[{"text":"In one 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that.","start":981.675,"end":982.97504,"sentiment":"neutral","sentiment_score":0.013429590500891209},{"text":"Okay.","start":983.755,"end":984.255,"sentiment":"neutral","sentiment_score":0.01206512376666069},{"text":"Yep.","start":984.955,"end":985.455,"sentiment":"neutral","sentiment_score":0.043513648211956024},{"text":"Yep.","start":985.835,"end":986.335,"sentiment":"neutral","sentiment_score":0.04403902217745781}],"sentiment":"neutral","sentiment_score":0.021177643910050392,"num_words":8,"start":981.355,"end":986.335},{"sentences":[{"text":"Yep.","start":991.59503,"end":992.09503,"sentiment":"neutral","sentiment_score":0.08054128289222717},{"text":"Yeah.","start":994.875,"end":995.375,"sentiment":"neutral","sentiment_score":-0.0025110680144280195},{"text":"So in terms of investing as well, because this is something that I've I think I should be getting about $250,000, which is more money than I've ever had in my whole life.","start":996.35,"end":1006.58997,"sentiment":"neutral","sentiment_score":0.3002952888156428},{"text":"So it's sort of like I don't want to.","start":1006.58997,"end":1008.76996,"sentiment":"neutral","sentiment_score":-0.22749989810917112},{"text":"We're gonna be doing some renovations, but I don't wanna just blow it, like, have it disappear.","start":1009.305,"end":1013.565,"sentiment":"neutral","sentiment_score":-0.19822188028517893}],"sentiment":"neutral","sentiment_score":0.07492629013054805,"num_words":61,"start":991.59503,"end":1013.565},{"sentences":[{"text":"So what I'd love to do ideally is to somehow make a little portion of that become like a passive or an ongoing income or, you know, like, invest it or just do something with it.","start":1013.705,"end":1027.77,"sentiment":"positive","sentiment_score":0.5979704442951415},{"text":"I've never had money to play with, but this, yeah, just feels like a new option for me when it comes to what what do people do, like, with money.","start":1027.77,"end":1037.895,"sentiment":"neutral","sentiment_score":0.32782243862748145},{"text":"I've never had money.","start":1037.895,"end":1039.035,"sentiment":"neutral","sentiment_score":-0.07021722756326199},{"text":"So yeah.","start":1039.095,"end":1040.395,"sentiment":"neutral","sentiment_score":0.09905717894434929},{"text":"Yeah.","start":1050.295,"end":1050.75,"sentiment":"neutral","sentiment_score":-0.11616413295269012}],"sentiment":"positive","sentiment_score":0.42688617079633556,"num_words":73,"start":1013.705,"end":1050.75},{"sentences":[{"text":"No.","start":1054.35,"end":1054.85,"sentiment":"neutral","sentiment_score":-0.10302282869815826},{"text":"Yes.","start":1055.47,"end":1055.97,"sentiment":"neutral","sentiment_score":0.011202529072761536},{"text":"Okay.","start":1099.065,"end":1099.565,"sentiment":"neutral","sentiment_score":0.09262043237686156},{"text":"Yeah.","start":1100.4249,"end":1100.9249,"sentiment":"neutral","sentiment_score":0.051287777721881866},{"text":"Yeah.","start":1104.0249,"end":1104.42,"sentiment":"neutral","sentiment_score":0.05744015425443649}],"sentiment":"neutral","sentiment_score":0.021905612945556638,"num_words":5,"start":1054.35,"end":1104.42},{"sentences":[{"text":"Yep.","start":1104.5801,"end":1105.0801,"sentiment":"neutral","sentiment_score":0.04841955006122589},{"text":"Right.","start":1107.62,"end":1108.12,"sentiment":"neutral","sentiment_score":0.002595728263258934},{"text":"All of that sort of stuff.","start":1108.18,"end":1109.3,"sentiment":"neutral","sentiment_score":-0.07288388100763162},{"text":"Because that's where my uncles went wrong.","start":1109.3,"end":1111.2201,"sentiment":"neutral","sentiment_score":-0.16809352380888803},{"text":"Like, everyone's at the end of their working life, and they've all got millions in super.","start":1111.2201,"end":1115.16,"sentiment":"neutral","sentiment_score":-0.07433085166849196}],"sentiment":"neutral","sentiment_score":-0.08878181616385136,"num_words":31,"start":1104.5801,"end":1115.16},{"sentences":[{"text":"But then what that was going to be worth with the increase in the cost of living, their super is not as valuable as they assumed it would be.","start":1115.38,"end":1123.2251,"sentiment":"negative","sentiment_score":-0.39127776977317086},{"text":"That's where this whole thing has come from.","start":1124.3251,"end":1126.0851,"sentiment":"neutral","sentiment_score":-0.31037310138344765},{"text":"So I don't really wanna have everything all in one place.","start":1126.0851,"end":1128.8251,"sentiment":"negative","sentiment_score":-0.37493148175152863},{"text":"So, yeah, I'm just really thinking about how to move forward with the the times as well, like, what, yeah, what's some sensible decisions to this to make.","start":1130.485,"end":1141.59,"sentiment":"neutral","sentiment_score":0.26785254212362425},{"text":"But, yeah, that will come probably a bit later.","start":1141.73,"end":1143.73,"sentiment":"neutral","sentiment_score":-0.19305899076991612}],"sentiment":"neutral","sentiment_score":-0.1434346608379308,"num_words":85,"start":1115.38,"end":1143.73},{"sentences":[{"text":"I feel like I'm really overwhelmed at the moment just with the thought of it.","start":1143.73,"end":1153.0701,"sentiment":"negative","sentiment_score":-0.5150858958562216},{"text":"So Yes.","start":1158.405,"end":1159.53,"sentiment":"neutral","sentiment_score":0.10123062133789062},{"text":"Yeah.","start":1169.61,"end":1169.85,"sentiment":"neutral","sentiment_score":0.15739567577838898},{"text":"One thing and then another.","start":1169.85,"end":1171.31,"sentiment":"neutral","sentiment_score":0.06921049654483795},{"text":"Yeah.","start":1172.01,"end":1172.355,"sentiment":"neutral","sentiment_score":0.0887518897652626}],"sentiment":"neutral","sentiment_score":-0.2888177977874875,"num_words":24,"start":1143.73,"end":1172.355},{"sentences":[{"text":"Yeah.","start":1173.315,"end":1173.5549,"sentiment":"neutral","sentiment_score":0.11280836164951324},{"text":"Okay.","start":1173.5549,"end":1174.0549,"sentiment":"neutral","sentiment_score":0.14961807429790497},{"text":"I'm getting it all done.","start":1179.475,"end":1180.9349,"sentiment":"neutral","sentiment_score":0.10107984840869903},{"text":"Yep.","start":1182.835,"end":1183.335,"sentiment":"neutral","sentiment_score":-0.0330369658768177},{"text":"Yeah.","start":1198.05,"end":1198.53,"sentiment":"neutral","sentiment_score":0.23635107278823853}],"sentiment":"neutral","sentiment_score":0.1079044205447038,"num_words":9,"start":1173.315,"end":1198.53},{"sentences":[{"text":"Yeah.","start":1198.53,"end":1199.03,"sentiment":"neutral","sentiment_score":0.2143997848033905},{"text":"Yeah.","start":1199.09,"end":1199.49,"sentiment":"neutral","sentiment_score":0.21209369599819183},{"text":"They're just it's just a lot.","start":1199.49,"end":1201.085,"sentiment":"neutral","sentiment_score":0.11742265274127324},{"text":"I mean, you're still living at the other end of the tax bracket.","start":1201.945,"end":1204.585,"sentiment":"neutral","sentiment_score":0.005407131348664944},{"text":"Is that yeah.","start":1204.585,"end":1205.8049,"sentiment":"neutral","sentiment_score":0.05406746764977773}],"sentiment":"neutral","sentiment_score":0.05681352115546664,"num_words":24,"start":1198.53,"end":1205.8049},{"sentences":[{"text":"Alright.","start":1206.265,"end":1206.765,"sentiment":"neutral","sentiment_score":0.22389963269233704},{"text":"Look.","start":1206.825,"end":1207.145,"sentiment":"neutral","sentiment_score":0.20955313742160797},{"text":"I'm just gonna leave that.","start":1207.145,"end":1208.265,"sentiment":"neutral","sentiment_score":0.19745180308818816},{"text":"I feel yeah.","start":1208.265,"end":1209.145,"sentiment":"neutral","sentiment_score":0.24862626194953918},{"text":"I've got a whole page of notes here, and I'm gonna leave it at that today, Kyle, if that's alright.","start":1209.145,"end":1215.64,"sentiment":"neutral","sentiment_score":0.2576353244483471}],"sentiment":"neutral","sentiment_score":0.24397656867901485,"num_words":30,"start":1206.265,"end":1215.64},{"sentences":[{"text":"I might I'm gonna find out the exact amount of money that's coming, and then, yeah, you've given me a few things to look into and think about today.","start":1215.64,"end":1225.8201,"sentiment":"neutral","sentiment_score":0.19245365750173044},{"text":"We have yeah.","start":1240.2151,"end":1251.88,"sentiment":"neutral","sentiment_score":0.0123821459710598},{"text":"Yeah.","start":1252.02,"end":1252.52,"sentiment":"neutral","sentiment_score":0.06752654165029526},{"text":"So I I know that I've got my insurances with QSuper because I I needed, like, two years of continuous income to get insurance in other with other companies.","start":1252.58,"end":1263.895,"sentiment":"neutral","sentiment_score":0.07187447157399408},{"text":"But, yeah, I've sort of my business is about to go into launch, like, an online course business.","start":1264.115,"end":1271.9,"sentiment":"neutral","sentiment_score":0.3264879091746277}],"sentiment":"neutral","sentiment_score":0.1705871385987848,"num_words":80,"start":1215.64,"end":1271.9},{"sentences":[{"text":"So I've shifted my in person business to online.","start":1273.08,"end":1275.88,"sentiment":"neutral","sentiment_score":0.1559037553767363},{"text":"So that's where I'm sort of at a new stage where I wasn't expecting to be in, but, yeah, the money is not gonna be coming in through the business continuously, just not for another few months.","start":1275.88,"end":1287.5549,"sentiment":"neutral","sentiment_score":-0.1325678247455004},{"text":"I just need a little bit of support with that as well with marketing and stuff.","start":1287.5549,"end":1291.155,"sentiment":"neutral","sentiment_score":-0.06214683945290744},{"text":"So, yeah, it's all kind of still up in the air, but it will stabilize soon.","start":1291.155,"end":1297.69,"sentiment":"neutral","sentiment_score":0.07675401028245687},{"text":"I'm sure.","start":1297.69,"end":1298.4299,"sentiment":"neutral","sentiment_score":0.1289719119668007}],"sentiment":"neutral","sentiment_score":-0.0376277144998312,"num_words":80,"start":1273.08,"end":1298.4299},{"sentences":[{"text":"Then you'll be able to work with me easier.","start":1300.01,"end":1302.11,"sentiment":"neutral","sentiment_score":0.0746192414727476},{"text":"It's good.","start":1305.53,"end":1306.27,"sentiment":"neutral","sentiment_score":-0.2721659392118454},{"text":"Yeah.","start":1306.65,"end":1307.15,"sentiment":"neutral","sentiment_score":-0.042350661009550095},{"text":"I know.","start":1307.9299,"end":1308.49,"sentiment":"neutral","sentiment_score":0.01164369098842144},{"text":"Right?","start":1308.49,"end":1308.915,"sentiment":"neutral","sentiment_score":0.146591454744339}],"sentiment":"neutral","sentiment_score":0.016984631369511286,"num_words":15,"start":1300.01,"end":1308.915},{"sentences":[{"text":"Thanks for being there.","start":1309.3151,"end":1315.9751,"sentiment":"positive","sentiment_score":0.3735486902296543},{"text":"Yeah.","start":1316.915,"end":1317.415,"sentiment":"neutral","sentiment_score":0.1316990852355957},{"text":"Yeah.","start":1319.395,"end":1319.895,"sentiment":"neutral","sentiment_score":0.09095892310142516},{"text":"Yep.","start":1320.1951,"end":1320.6951,"sentiment":"neutral","sentiment_score":0.10374467819929124},{"text":"Okay.","start":1322.5951,"end":1323.0951,"sentiment":"neutral","sentiment_score":0.1547023057937622}],"sentiment":"neutral","sentiment_score":0.24691246915608644,"num_words":8,"start":1309.3151,"end":1323.0951},{"sentences":[{"text":"Alright.","start":1323.2,"end":1323.52,"sentiment":"neutral","sentiment_score":0.2516689598560333},{"text":"Thank you.","start":1323.52,"end":1324.0,"sentiment":"positive","sentiment_score":0.46570201218128204},{"text":"I really appreciate your time and expertise in this conversation.","start":1324.0,"end":1327.3,"sentiment":"positive","sentiment_score":0.5178833901882172},{"text":"Yes, please.","start":1342.495,"end":1343.475,"sentiment":"neutral","sentiment_score":0.08748050779104233},{"text":"Yes.","start":1344.495,"end":1344.995,"sentiment":"neutral","sentiment_score":0.05345432460308075}],"sentiment":"positive","sentiment_score":0.4118951391428709,"num_words":16,"start":1323.2,"end":1344.995},{"sentences":[{"text":"I know.","start":1350.95,"end":1351.35,"sentiment":"neutral","sentiment_score":-0.015454133041203022},{"text":"Right.","start":1351.35,"end":1351.59,"sentiment":"neutral","sentiment_score":0.041214462369680405},{"text":"Everyone yeah.","start":1351.59,"end":1352.87,"sentiment":"neutral","sentiment_score":0.05086454935371876},{"text":"Yep.","start":1352.87,"end":1353.37,"sentiment":"neutral","sentiment_score":0.08390472829341888},{"text":"I feel yep.","start":1354.07,"end":1356.73,"sentiment":"neutral","sentiment_score":0.08787267903486888}],"sentiment":"neutral","sentiment_score":0.051062006710304156,"num_words":9,"start":1350.95,"end":1356.73},{"sentences":[{"text":"Alright.","start":1357.51,"end":1358.01,"sentiment":"neutral","sentiment_score":0.2580242156982422},{"text":"Awesome.","start":1358.07,"end":1358.55,"sentiment":"positive","sentiment_score":0.50713050365448},{"text":"Yeah.","start":1358.55,"end":1358.79,"sentiment":"positive","sentiment_score":0.3732280731201172},{"text":"I would really appreciate that.","start":1358.79,"end":1360.57,"sentiment":"positive","sentiment_score":0.46061254292726517},{"text":"Like, full adult and, you know, adult life has really come and hit me.","start":1361.51,"end":1366.9951,"sentiment":"neutral","sentiment_score":-0.002740952984562942}],"sentiment":"neutral","sentiment_score":0.15468509842387654,"num_words":22,"start":1357.51,"end":1366.9951},{"sentences":[{"text":"Yes.","start":1370.015,"end":1370.515,"sentiment":"neutral","sentiment_score":0.05342841148376465},{"text":"I'm with the group.","start":1372.015,"end":1373.055,"sentiment":"neutral","sentiment_score":0.08152761496603489},{"text":"I know.","start":1373.055,"end":1373.4551,"sentiment":"neutral","sentiment_score":-0.001260844059288502},{"text":"I know.","start":1373.4551,"end":1373.8551,"sentiment":"neutral","sentiment_score":0.005183926783502101},{"text":"Right?","start":1373.8551,"end":1374.255,"sentiment":"neutral","sentiment_score":0.05827076733112335}],"sentiment":"neutral","sentiment_score":0.04456558041274548,"num_words":10,"start":1370.015,"end":1374.255},{"sentences":[{"text":"Yeah.","start":1374.255,"end":1374.755,"sentiment":"neutral","sentiment_score":0.0709475725889206},{"text":"Okay.","start":1375.055,"end":1375.555,"sentiment":"neutral","sentiment_score":0.13474778831005096},{"text":"Alright.","start":1375.6951,"end":1376.015,"sentiment":"positive","sentiment_score":0.34571099281311035},{"text":"Thank you very much for your time this morning.","start":1376.015,"end":1377.935,"sentiment":"positive","sentiment_score":0.7930374211735196},{"text":"I really appreciate it.","start":1377.935,"end":1379.25,"sentiment":"positive","sentiment_score":0.7977078408002853}],"sentiment":"positive","sentiment_score":0.6799734067171812,"num_words":16,"start":1374.255,"end":1379.25},{"sentences":[{"text":"It.","start":1384.85,"end":1385.01,"sentiment":"neutral","sentiment_score":0.1844600141048431},{"text":"Yeah.","start":1385.01,"end":1385.33,"sentiment":"neutral","sentiment_score":0.18782271444797516},{"text":"Yeah.","start":1385.33,"end":1385.65,"sentiment":"neutral","sentiment_score":0.16824166476726532},{"text":"Will do when I know numbers and stuff.","start":1385.65,"end":1388.6189,"sentiment":"neutral","sentiment_score":0.14087795559316874},{"text":"I'll get I'll get back on to you.","start":1388.8589,"end":1390.799,"sentiment":"neutral","sentiment_score":0.21753093786537647}],"sentiment":"neutral","sentiment_score":0.17935766005202344,"num_words":19,"start":1384.85,"end":1390.799},{"sentences":[{"text":"Alright.","start":1391.4989,"end":1391.9989,"sentiment":"neutral","sentiment_score":0.0948876366019249},{"text":"Thank you.","start":1392.8589,"end":1393.6589,"sentiment":"positive","sentiment_score":0.4979645013809204},{"text":"Thanks.","start":1393.6589,"end":1394.0588,"sentiment":"positive","sentiment_score":0.6006584167480469},{"text":"Bye.","start":1394.0588,"end":1394.5588,"sentiment":"neutral","sentiment_score":-0.12104913592338562}],"sentiment":"neutral","sentiment_score":0.31408518403768537,"num_words":5,"start":1391.4989,"end":1394.5588}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello. Michelle\n\nChannel 0: Good morning, Michelle. It's Carl calling from Financial. How are\n\nChannel 1: speaking.\n\nChannel 0: you today?\n\nChannel 1: Hi, Kyle. How are you?\n\nChannel 0: Yeah. Not\n\nChannel 1: Thanks.\n\nChannel 0: too bad at all.\n\nChannel 1: Thanks for your call.\n\nChannel 0: That's not a problem. Just to jump into that one, that's fair, Michelle. If I can just grab your your client password, if that's alright.\n\nChannel 1: Is it Phoebe?\n\nChannel 0: Yeah. Okay. Thank you. I definitely know these calls are recorded for quality and training purposes there. And\n\nChannel 1: Yep. Yep.\n\nChannel 0: now I know we discussed this sort of probably getting on nearly five months ago now regarding\n\nChannel 1: Yeah.\n\nChannel 0: your inheritance. I believe you just wanted to sort of have another catch up regarding it.\n\nChannel 1: I do. So so since I last spoke with you, I've been well, it's been a lot. So my my grandma left the property to myself and my three children and a couple of cousins. But then since her passing, my uncles have taken us to court, and so the money has been redistributed. And my children still get something.\n\nSo the whole thing was my children were too young to receive an inheritance. That was their argument. We had king's council and everyone involved. It was quite spectacular.\n\nChannel 0: Okay.\n\nChannel 1: So, yeah, turns out I was self represented, so that was really interesting. We we're still getting a bit of money, so I believe it might be just from my calculations. The kids get 10% of whatever the sale was. So the settlement went through last Monday. So I'm expecting, I think, from my random calculations a while ago about, what, 150,000 possibly, I've gone and put it at 1.5 because I just don't know how much exactly, but it's gonna be around $1.50.\n\nAnd that's gonna go to the children.\n\nChannel 0: Yep.\n\nChannel 1: And my question is, like, where does it go? Does it does it go into their bank accounts? Do I need to set up something for them? You know?\n\nChannel 0: It\n\nChannel 1: At\n\nChannel 0: depends\n\nChannel 1: this point in time yeah.\n\nChannel 0: how the solicit obviously, it's more of a a lawyer question and sort of what\n\nChannel 1: Okay.\n\nChannel 0: it comes down to in the the will. If it was just distributed to them in their name, generally, they'd have some sort of guardian on it, which would normally be, like, a parent like yourself if they're under the\n\nChannel 1: Yeah.\n\nChannel 0: age of 18. That was meant\n\nChannel 1: Yeah.\n\nChannel 0: to, like, look after the money or use it for certain purposes for, like, education or their\n\nChannel 1: Yeah. That's\n\nChannel 0: sort\n\nChannel 1: what\n\nChannel 0: of\n\nChannel 1: it was for.\n\nChannel 0: upbringing and things like that. But I wouldn't be able to say without sort of, you know,\n\nChannel 1: Right.\n\nChannel 0: even looking\n\nChannel 1: So this\n\nChannel 0: at\n\nChannel 1: is\n\nChannel 0: our code.\n\nChannel 1: okay. Because this is where I am at the moment. I don't wanna pay the so I'm just self represented in this whole case. There's there's a lot of lawyers involved in this, and my\n\nChannel 0: Yep.\n\nChannel 1: dad's got a lawyer, a solicitor. He's\n\nChannel 0: Yep.\n\nChannel 1: the executor, so he's the one who is, you know, in contact. I I I get legal advice through him, basically,\n\nChannel 0: Yeah.\n\nChannel 1: through his because, yeah, it costs $500 for an email. And so I've been hesitant to say, okay. So where what should I be doing here? Just because that's gonna cost me, you know, a thousand dollars as\n\nChannel 0: It's\n\nChannel 1: a\n\nChannel 0: a fun yeah.\n\nChannel 1: as\n\nChannel 0: Yeah.\n\nChannel 1: a communication. So I was thinking I will just get one step ahead. So what I'm waiting on so settlement happened on Monday. We've received an email to say that the the funds are being calculated, so the percentages are being calculated, and\n\nChannel 0: Yep.\n\nChannel 1: then we'll receive something else. So I just wanted to know just to to save time because likely chance is if it all doesn't get distributed at the same time, you know, let let's say I don't have an account for my kids, you know, and we just are all waiting on me to set something so that my kids can have it. My uncles are likely to come in and sue me for interest loss or something like that. Like, it's become so nasty. So I was just trying to get one step ahead of the game and and set something up for my kids so that on when we get that email to say, yep.\n\nWhere's it going? I've already got a place for them, but it looks like I just need to wait.\n\nChannel 0: Yeah. Well, worst case scenario, like, just generally, like, you could just open up a kid's savings account with your bank as you as, like, a parental guardian on the account, like, with whoever provider you have and things like that, and then potentially ask your dad because he is the executor as well, if it states how it is to be be distributed, especially for children under the age of 18, to\n\nChannel 1: Yeah.\n\nChannel 0: see if he knows if it's been like the will.\n\nChannel 1: Would I set that up? Sorry to interrupt. Would I set that up in all three of the kids' names? Can you do that?\n\nChannel 0: It's separate kids. Like, you can have, like, children's savings accounts. Yeah.\n\nChannel 1: But\n\nChannel 0: But\n\nChannel 1: but\n\nChannel 0: with\n\nChannel 1: it would have\n\nChannel 0: that,\n\nChannel 1: to\n\nChannel 0: obvious\n\nChannel 1: be for each individual child. That needs three different accounts. Is that what that could\n\nChannel 0: yeah.\n\nChannel 1: be?\n\nChannel 0: I'm not too sure in terms of, like, how the will stated and what the requirements\n\nChannel 1: Yeah.\n\nChannel 0: are.\n\nChannel 1: It\n\nChannel 0: And,\n\nChannel 1: does say\n\nChannel 0: like, this\n\nChannel 1: that they can't access it until '21. So I'm, you know,\n\nChannel 0: then\n\nChannel 1: I'm just\n\nChannel 0: it's probably\n\nChannel 1: assuming.\n\nChannel 0: in some form of, like, trust structure or discretionary tasks where, like, they might have a and it might not be yourself depending on how the wheel's set up. They can't access it to 21. There'll be, like, an executor that you have to, like, petition or release funds for and things like that. Given that your dad is the executor and it you'd said they can't access it till '21, it might just be worth asking what the will actually state.\n\nChannel 1: Okay. Yeah. In regards to them, I do have a copy of that from when we went through the court. So I'll have a good look at that.\n\nChannel 0: Yeah. If\n\nChannel 1: I\n\nChannel 0: you\n\nChannel 1: just\n\nChannel 0: can see\n\nChannel 1: wondered\n\nChannel 0: anything with,\n\nChannel 1: if I\n\nChannel 0: like,\n\nChannel 1: could\n\nChannel 0: trust,\n\nChannel 1: yeah.\n\nChannel 0: discretionary trust, things like that as well, it may sit in\n\nChannel 1: Okay.\n\nChannel 0: the trust until\n\nChannel 1: Nice.\n\nChannel 0: it goes to the child at that age.\n\nChannel 1: Yeah. So my other question was when I was going through everything and, you know, I got support from the barrister. I think he did a little under the table wink, you know, at me as to save my children some some loss because they've obviously lost the most out of everyone.\n\nChannel 0: Yeah.\n\nChannel 1: He\n\nChannel 0: Yeah.\n\nChannel 1: said to me that I could invest it and I could grow that money so that when it they are 21, I could get it back up to, you know, a larger amount for them. Well, also, amount more in line with what my grandmother was wanting to give to them. But yeah.\n\nChannel 0: Yeah. If it is in a a trust as, like, a trustee, you do have the options to be able to manage the assets for the beneficiaries, like, be able\n\nChannel 1: Okay.\n\nChannel 0: to invest that money on\n\nChannel 1: Yeah.\n\nChannel 0: the\n\nChannel 1: Alright.\n\nChannel 0: behalf of the child. And then if\n\nChannel 1: Yep.\n\nChannel 0: it's in a trust structure, it's generally a bit better in the sense that, like, children under the age of 16 and also under the age of 18 are subject to, like, different tax rules in regards to that and, like, how much they're actually charged\n\nChannel 1: Right.\n\nChannel 0: versus,\n\nChannel 1: Okay.\n\nChannel 0: like, someone that's, like because it's, like, an unearned income. They and then with that being that young as well, generally, they don't have a tax file number and things like that. So it can be quite\n\nChannel 1: Yeah.\n\nChannel 0: sort of painful in that sense, and\n\nChannel 1: Yeah.\n\nChannel 0: you generally pay a higher tax rate for children because it is an unearned income because they're not actually earning it, whereas the trust structures work a little bit differently. Obviously, if\n\nChannel 1: Yep.\n\nChannel 0: it gets put into, like, a discretionary trust and you're named as a trustee, you can be able to, like, invest on their behalf and things like that. The only thing is you can't really sort of take the money out for for certain things, or you might get in trouble. Like, you can't just pull, you know,\n\nChannel 1: Yes.\n\nChannel 0: 20,000 out and go, we're going on a holiday\n\nChannel 1: Yeah.\n\nChannel 0: if it's\n\nChannel 1: Right.\n\nChannel 0: sort\n\nChannel 1: Right.\n\nChannel 0: of stated that, like, it's for educational purposes and things like that as well.\n\nChannel 1: Yes. Yes. Okay. That makes sense. So I can set up just just give me a moment.\n\nHello? I wasn't expecting you. Yeah. Would you like to come in and just do your okay. Beautiful.\n\nI'm just in a meeting. So you've got everything in the cabinet? Oh, let me just let me just clear out the laundry for you. Oh, sorry. I've just got an unexpected person\n\nChannel 0: Yeah.\n\nChannel 1: to\n\nChannel 0: No. That's perfectly\n\nChannel 1: visit.\n\nChannel 0: fine. Even if you set the phone down, I'll be here for a few minutes if you'd like.\n\nChannel 1: Thank you. I'm just clearing out some things I didn't realize. Visitor. Sorry about that.\n\nChannel 0: No. That's no problem, Michelle. Take your your time. I'm in I'm in no rush. I'm not going anywhere.\n\nChannel 1: Yeah. Thank you. Okay. I just have another question as well, and that's in regards to my inheritance and how that will work. But okay.\n\nSorry. Thank you. Everything should be. I've just got white soaking in there. No?\n\nAlright. Alright. No worries. I'll be I'll talk to you in a minute. Alright.\n\nLooks like I'm getting my driver fixed today, which is great.\n\nChannel 0: Bit of a bonus with the the weather that's been going around the past\n\nChannel 1: Yes.\n\nChannel 0: for the year.\n\nChannel 1: Yes. Okay. So we were just talking about a trust for the kids and how it might be better managed. Yes.\n\nChannel 0: Yep.\n\nChannel 1: Okay. And the unearned income I was just writing some notes down. Sorry about that.\n\nChannel 0: Yeah. If you like, just Google, like, ATO children's savings account.\n\nChannel 1: Yeah.\n\nChannel 0: It, like, gives you a nice good bit of information as well, and you can also, like, look up sort of discretionary trust and the rules around those depending on if that is what the will states, obviously. Like, we\n\nChannel 1: Yeah.\n\nChannel 0: don't give legal advice. I just give you some general information to look\n\nChannel 1: No.\n\nChannel 0: out for.\n\nChannel 1: Well, I'm just my uncles have just been on everything every step of the way. So I just wanted to sort of eliminate any, yeah, concerns that they're going to, you know, possibly have with not receiving things on time or yeah. Just everything, actually. I will just cover every day. So my my other question, do you mind if I just go on to my other question for\n\nChannel 0: Yeah.\n\nChannel 1: you? So my husband and I, married fifteen years, you know, we're we're pretty solid, and we've got this house all in his name. So we did that early you know, that fifteen years ago, we were gonna go for the first homeowners grant, but then he couldn't get it because I'd already had it. You know, I came into the house with a $100,000, So I went\n\nChannel 0: Yep.\n\nChannel 1: guarantor for him. So we sort of made it in a way that it was best for us if the house is in his name. So my thoughts were we would be selling because I was doing a buying and selling thing back, you know, twenty years ago, getting in\n\nChannel 0: Yep.\n\nChannel 1: in that little boom. And yeah. So it turns out we didn't sell in a year or five years. We're still here. Fifteen years later, it's our home.\n\nSo I\n\nChannel 0: Yep.\n\nChannel 1: was wondering how do I get my name onto our home and onto our home loan. Is\n\nChannel 0: You\n\nChannel 1: that something that we can do?\n\nChannel 0: could you could potentially look at doing, like, a refinance and, like, a change of ownership structure. Again, this is more of sort of a a a lawyer question because it's, like, solely\n\nChannel 1: Yep. Okay.\n\nChannel 0: in his name. May I ask, like, why you sort of like, what because, obviously, as a a married couple, unless you sort of have some financial financial agreement generally, like, you're entitled to, like, half the assets anyway, even if your name's on\n\nChannel 1: Yeah.\n\nChannel 0: it or not.\n\nChannel 1: So our situation was my husband was working for his dad for twenty years. So since 14, you know, as soon as he was able to work.\n\nChannel 0: Yep.\n\nChannel 1: And then in that twenty year period, it turns out that he was never employed. He was never paying tax. There was no tax. There was just nothing. None none of it was legitimate.\n\nHe wasn't even a qualified plumber. His dad had just told him that he was. So when we got this yeah. It was a massive thing, which is when I originally contacted you guys for some financial support because\n\nChannel 0: Okay.\n\nChannel 1: that was\n\nChannel 0: Yes.\n\nChannel 1: insane. We got a tax bill for $202,150,000 dollars or something. And my husband's like, what's this from? You know, called his dad and his dad. It's very abusive.\n\nIt was severe financial abuse that we were\n\nChannel 0: Yeah.\n\nChannel 1: in.\n\nChannel 0: Yep.\n\nChannel 1: And so to counter all of that, we actually refinanced our home. So we had equity. So we paid the tax bill with the equity. We consolidated all of our car loan and everything, and that happened probably two years ago.\n\nChannel 0: Yep.\n\nChannel 1: So the reason why I'm just so hesitant and I'm so concerned, if anything happened to him, how do his parents then fit into that mix if we don't have my name on this home as well, if that makes sense?\n\nChannel 0: Yeah. I understand what you're saying now. So the\n\nChannel 1: Yeah.\n\nChannel 0: it it is obviously still, like, with the solicitor and being able to prepare the forms to change the the title\n\nChannel 1: Yep.\n\nChannel 0: change.\n\nChannel 1: Yep.\n\nChannel 0: So, generally, too, you do have to speak with your lender or a new lender because you're changing the lend like, it shouldn't be sort of a horrible thing if he's able to support it as, like, one anyway. But, like, you're typically, like, chain like, refinancing and changing the ownership to two, which\n\nChannel 1: Yeah.\n\nChannel 0: changes, like, the lender agreements, and they can\n\nChannel 1: Yep.\n\nChannel 0: sort of, you know, depending I know you're sort of only working part time and things like that, but given that, you know, serviceability in the loan you would have for the rest of the remaining mortgage shouldn't be too bad. That probably wouldn't be an\n\nChannel 1: Yeah.\n\nChannel 0: issue.\n\nChannel 1: Although I suppose what I was because I'm not quite earning just yet, so I probably will need to talk to you about, you know, is there a certain number of years that I need to be proving consistent income? You know, what what would be the best time frame to put my name on the onto the home loan?\n\nChannel 0: Again, that's, yeah, sort of still, like, in the mortgage broker solicitor sort of realm, but there are, like,\n\nChannel 1: Okay.\n\nChannel 0: just different two types of ownership, which is, like, one's just joint tenants, which basically means you both own a 100% of the home. And then if one passes, then the property automatically just goes to the survivor. So that\n\nChannel 1: Yeah.\n\nChannel 0: would address your concerns in the sense that, you know, if something happened to your partner, it would a 100% just go to\n\nChannel 1: To\n\nChannel 0: you\n\nChannel 1: us.\n\nChannel 0: as, yeah,\n\nChannel 1: Yep.\n\nChannel 0: as the next owner because you both own it, like, a 100%. It's just whoever the\n\nChannel 1: Yep.\n\nChannel 0: surviving person is gets the, like, the 100% ownership, and then they can distribute it per the will and things like that. If you did, like,\n\nChannel 1: Yep.\n\nChannel 0: a tenant in common, which you can do, like, splits between, like, percentages, then you would own 50% and he would own 50%. So you might still\n\nChannel 1: Oh, yeah.\n\nChannel 0: come across the same issues that, like, 50% still would be distributed per his estate. And\n\nChannel 1: Yeah.\n\nChannel 0: then that's when people start to come and try and, like you\n\nChannel 1: And\n\nChannel 0: know?\n\nChannel 1: come and say,\n\nChannel 0: If\n\nChannel 1: well, I'm entitled to this and yeah.\n\nChannel 0: yeah. And, generally,\n\nChannel 1: I\n\nChannel 0: you know, being a spouse and having children, things like that, the courts generally will, like, you know, side with\n\nChannel 1: I've\n\nChannel 0: the\n\nChannel 1: been\n\nChannel 0: will.\n\nChannel 1: my favorite.\n\nChannel 0: And,\n\nChannel 1: Yeah.\n\nChannel 0: yeah,\n\nChannel 1: Yeah.\n\nChannel 0: but, obviously, that's just like a generalization. It's not, I don't know, the full family history and things like\n\nChannel 1: Yeah.\n\nChannel 0: that.\n\nChannel 1: Yeah. So that's more coming from my parents who want to see me more protected, But then my parents divorced, and so they don't know what it's like.\n\nChannel 0: Yep.\n\nChannel 1: I'm supposed to have a a marriage that you're sticking through. So\n\nChannel 0: Yeah.\n\nChannel 1: yeah. It's yeah. For me, it's okay. I just probably yeah. I just feel I need to talk to someone, especially because I'm getting a a large sum of money, and it's enough\n\nChannel 0: Yep.\n\nChannel 1: to, you know, pay off the mortgage. But I don't wanna pay it off because it's not my mortgage. There's just a few things there that I don't quite know how to how to go about. But\n\nChannel 0: Yeah. You can sort of once you do have the money and have a think about it, you can obviously, like, discuss, like, certain investment options and things available for you as well\n\nChannel 1: okay.\n\nChannel 0: outside of, obviously, just, like, putting it all on the mortgage, like you said, or\n\nChannel 1: Yeah.\n\nChannel 0: just having\n\nChannel 1: In\n\nChannel 0: to\n\nChannel 1: one\n\nChannel 0: see it all\n\nChannel 1: asset.\n\nChannel 0: in cash.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Yeah. And then, yeah, if you really do wanna sort of get added to the the property title, you you probably have to speak to a lawyer\n\nChannel 1: To a lawyer.\n\nChannel 0: about,\n\nChannel 1: Yep.\n\nChannel 0: yeah,\n\nChannel 1: Yep.\n\nChannel 0: a solicitor\n\nChannel 1: Let's hear about\n\nChannel 0: about\n\nChannel 1: that.\n\nChannel 0: doing that because you'd have to\n\nChannel 1: Okay.\n\nChannel 0: lodge the the title change.\n\nChannel 1: Yep. Yep.\n\nChannel 0: And then you'd have to speak to also, like, your lender or, like, a new lender or mortgage broker\n\nChannel 1: Yep.\n\nChannel 0: in able to, you know, change the loan for the refinance.\n\nChannel 1: Yeah. So in terms of investing as well, because this is something that I've I think I should be getting about $250,000, which\n\nChannel 0: Yep.\n\nChannel 1: is more money than I've ever had in my whole life. So it's sort of like I don't want to. We're gonna be doing some renovations, but I don't wanna just blow it, like, have it disappear. So what I'd love to do ideally is to somehow make a little portion of that become like a passive or an ongoing income or, you know, like, invest it or just do something with it. I've never had money to play with, but this, yeah, just feels like a new option for me when it comes to what what do people do, like, with money.\n\nI've never had money. So yeah.\n\nChannel 0: Yeah. So, obviously, there's, like, a few options, like, available. Obviously, you're still, like, on the younger side in terms of, like, working life left behind, you know, until you can access super. So you you wouldn't\n\nChannel 1: Yeah.\n\nChannel 0: wanna sort of totally just dump it all in super and things like that because you lock it away. There\n\nChannel 1: No.\n\nChannel 0: are investment\n\nChannel 1: Yes.\n\nChannel 0: options. Yeah. Outside of that, you can look at, like, investment bonds. So, like, if you hold an investment bond, much like superannuation, it's owned by a trustee. And then for if you hold it for ten years, the trustee basically pays the tax rates at a corporate level versus, like, an individual or individual.\n\nObviously, you're not working much at the moment, so it doesn't make much of a difference. But if your business sort of takes off and things like that and your income increases, it can sort of be very beneficial. And then if you hold it at ten years, you can start using that as a distribution as, like, an early super retirement versus, like, waiting all the way up until superannuation. And then, additionally, if, you know, you're able to potentially have just, like, an IDPS in conjunction with your superannuation, which is much as like an investment account similar\n\nChannel 1: Okay.\n\nChannel 0: to super,\n\nChannel 1: Yeah.\n\nChannel 0: that you obviously have to pay the taxes and things like that or capital gains\n\nChannel 1: Yeah.\n\nChannel 0: and buying and\n\nChannel 1: Yep.\n\nChannel 0: selling and income earned on that investment?\n\nChannel 1: Right. All of that sort of stuff. Because that's where my uncles went wrong. Like, everyone's at the end of their working life, and they've all got millions in super. But then what that was going to be worth with the increase in the cost of living, their super is not as valuable as they assumed it would be.\n\nThat's where this whole thing has come from. So I don't really wanna have everything all in one place.\n\nChannel 0: Yep.\n\nChannel 1: So, yeah, I'm just really thinking about how to move forward with the the times as well, like, what, yeah, what's some sensible decisions to this to make. But, yeah, that will come probably a bit later. I feel like I'm really overwhelmed at the moment just with the thought of\n\nChannel 0: Yeah. And even just as like a starting stone potentially is like, I know you don't have a will in place\n\nChannel 1: it.\n\nChannel 0: or anything either, is maybe going consulting with a solicitor, look at getting your will jointly done,\n\nChannel 1: So\n\nChannel 0: and then asking\n\nChannel 1: Yes.\n\nChannel 0: the questions in conjunction with that as well and how to set up that structure and see if you can sort of pair it all into one. You might get, like, a bit of a a discount as opposed to just going setting up, like, the like,\n\nChannel 1: Yeah.\n\nChannel 0: the\n\nChannel 1: One\n\nChannel 0: train\n\nChannel 1: thing and then\n\nChannel 0: yeah.\n\nChannel 1: another.\n\nChannel 0: The title change, and then\n\nChannel 1: Yeah.\n\nChannel 0: they'll yeah. And\n\nChannel 1: Yeah.\n\nChannel 0: just\n\nChannel 1: Okay.\n\nChannel 0: try and consult with them and see if you can just sort of get, like, a a nice deal on getting it all done in\n\nChannel 1: I'm\n\nChannel 0: once,\n\nChannel 1: getting\n\nChannel 0: you know, your\n\nChannel 1: it\n\nChannel 0: power\n\nChannel 1: all\n\nChannel 0: of\n\nChannel 1: done.\n\nChannel 0: attorney, wills, yeah, health directives,\n\nChannel 1: Yep.\n\nChannel 0: all that sort of stuff done in one sort of hit, especially why you've got a little bit more, cash flow with the inheritance, things of that once that sort of comes. And and then it sort of you get the added protection that your your parents want for you as well as sort of having your own things set up for your kids as well.\n\nChannel 1: Yeah. Yeah. Yeah. They're just it's just a lot. I mean, you're still living at the other end of the tax bracket.\n\nIs that yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Alright. Look. I'm just gonna leave that. I feel yeah. I've got a whole page of notes here, and I'm gonna leave it at that today, Kyle, if that's alright.\n\nI\n\nChannel 0: Yeah.\n\nChannel 1: might\n\nChannel 0: No. That's perfectly\n\nChannel 1: I'm gonna\n\nChannel 0: fine.\n\nChannel 1: find out the exact amount of money that's coming, and then, yeah, you've given me a few things to look into and think about today.\n\nChannel 0: Not a problem. When you're ready, just give us a callback, Michelle, and then we can just, like, once it's all done, we can look at reviewing your superannuation and everything and getting that tied up. I know we had a quick discussion around the insurances and things like that just based on your the working\n\nChannel 1: We\n\nChannel 0: hours\n\nChannel 1: have\n\nChannel 0: you were doing and stuff. It yeah. It looking like it was gonna be, like, ADL, which isn't too great. So your group insurance is probably still better or, like, a nonworking TPD, but we can also have a discussion around that\n\nChannel 1: yeah. Yeah.\n\nChannel 0: again\n\nChannel 1: So\n\nChannel 0: as\n\nChannel 1: I\n\nChannel 0: well.\n\nChannel 1: I know that I've got my insurances with QSuper because I I needed, like, two years of continuous income to get insurance in other with other companies. But,\n\nChannel 0: Yep.\n\nChannel 1: yeah, I've sort of my business is about to go into launch, like, an online course business.\n\nChannel 0: Yep.\n\nChannel 1: So I've shifted my in person business to online. So that's where I'm sort of at a new stage where I wasn't expecting to be in, but, yeah, the money is not gonna be coming in through the business continuously, just not for another few months. I just need a little bit of support with that as well with marketing and stuff. So,\n\nChannel 0: Yep.\n\nChannel 1: yeah, it's all kind of still up in the air, but it will stabilize soon. I'm sure.\n\nChannel 0: Okay. Not a\n\nChannel 1: Then\n\nChannel 0: problem,\n\nChannel 1: you'll\n\nChannel 0: Michelle.\n\nChannel 1: be able to work with\n\nChannel 0: Right.\n\nChannel 1: me easier.\n\nChannel 0: Yeah. Well, it just seems like you're you're jogging a lot yourself, so it makes it a bit\n\nChannel 1: It's\n\nChannel 0: harder\n\nChannel 1: good.\n\nChannel 0: for you\n\nChannel 1: Yeah.\n\nChannel 0: more than anyone.\n\nChannel 1: I know.\n\nChannel 0: Yeah. So\n\nChannel 1: Right? Thanks for being\n\nChannel 0: yeah. Not a problem. I do I do feel for you. Hopefully, it all comes to a bit of a head soon and you get this estate\n\nChannel 1: there.\n\nChannel 0: settled, and then you can start\n\nChannel 1: Yeah.\n\nChannel 0: sort of focusing on your business a little bit more as well. And then, you\n\nChannel 1: Yeah.\n\nChannel 0: know, we can have\n\nChannel 1: Yep.\n\nChannel 0: a discussion following that for you.\n\nChannel 1: Okay. Alright. Thank you. I really appreciate your time and expertise in this conversation.\n\nChannel 0: No no problem, Michelle. But yeah. And also, if you did want just I don't know how much they actually I'm pretty sure they covered across most things, but I can just send you the solicitor information that we sort of generally refer people. This is like a trusted partner with this and Wilson\n\nChannel 1: Yes,\n\nChannel 0: Estate\n\nChannel 1: please.\n\nChannel 0: information. Yeah.\n\nChannel 1: Yes.\n\nChannel 0: And you can just have a a look at that and see. And their service is completely different to us. I couldn't sort of say if they'd sort\n\nChannel 1: I\n\nChannel 0: of\n\nChannel 1: know.\n\nChannel 0: be able\n\nChannel 1: Right.\n\nChannel 0: to pair\n\nChannel 1: Everyone\n\nChannel 0: up things and stuff.\n\nChannel 1: yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Yep.\n\nChannel 0: Yeah. But you\n\nChannel 1: I\n\nChannel 0: might\n\nChannel 1: feel\n\nChannel 0: be able to sort of just give them a phone call and and just\n\nChannel 1: yep.\n\nChannel 0: inquire.\n\nChannel 1: Alright. Awesome. Yeah. I would really appreciate that. Like, full adult and, you know, adult life has really come and hit me.\n\nChannel 0: Yeah. It's just every every day\n\nChannel 1: Yes.\n\nChannel 0: you gotta decide what to eat. There's no real break.\n\nChannel 1: I'm\n\nChannel 0: It's\n\nChannel 1: with the group.\n\nChannel 0: just one\n\nChannel 1: I\n\nChannel 0: thing.\n\nChannel 1: know. I know.\n\nChannel 0: Yeah.\n\nChannel 1: Right? Yeah. Okay. Alright. Thank you very much for your time this morning.\n\nI really appreciate it.\n\nChannel 0: No problem, Michelle. You enjoy the rest of your day there, and, yeah, just give us a call when you're ready to have a bit more of a discussion around that.\n\nChannel 1: It. Yeah. Yeah. Will do when I know numbers and stuff. I'll get I'll get back on to you.\n\nChannel 0: Perfect. No\n\nChannel 1: Alright.\n\nChannel 0: problem, Michelle. Thanks. Bye\n\nChannel 1: Thank\n\nChannel 0: now.\n\nChannel 1: you. Thanks. Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":0.39999998,"end":0.79999995,"sentiment":"neutral","sentiment_score":0.0422157421708107},{"text":"Michelle","start":0.79999995,"end":1.3,"sentiment":"neutral","sentiment_score":0.04598202183842659}],"sentiment":"neutral","sentiment_score":0.044098882004618645,"channel":1,"num_words":2,"start":0.39999998,"end":1.3},{"sentences":[{"text":"Good morning, Michelle.","start":1.8399999,"end":2.56,"sentiment":"neutral","sentiment_score":0.23888051509857178},{"text":"It's Carl calling from Financial.","start":2.56,"end":3.86,"sentiment":"neutral","sentiment_score":0.15970369428396225},{"text":"How are","start":4.0,"end":4.24,"sentiment":"neutral","sentiment_score":0.17210915684700012}],"sentiment":"neutral","sentiment_score":0.18593783304095268,"channel":0,"num_words":10,"start":1.8399999,"end":4.24},{"sentences":[{"text":"speaking.","start":4.16,"end":4.66,"sentiment":"neutral","sentiment_score":0.17820726335048676}],"sentiment":"neutral","sentiment_score":0.17820726335048676,"channel":1,"num_words":1,"start":4.16,"end":4.66},{"sentences":[{"text":"you today?","start":4.24,"end":4.8199997,"sentiment":"neutral","sentiment_score":0.11300760507583618}],"sentiment":"neutral","sentiment_score":0.11300760507583618,"channel":0,"num_words":2,"start":4.24,"end":4.8199997},{"sentences":[{"text":"Hi, Kyle.","start":4.72,"end":5.44,"sentiment":"neutral","sentiment_score":0.08887052536010742},{"text":"How are you?","start":5.44,"end":6.2599998,"sentiment":"neutral","sentiment_score":0.10340935985247295}],"sentiment":"neutral","sentiment_score":0.09759382605552673,"channel":1,"num_words":5,"start":4.72,"end":6.2599998},{"sentences":[{"text":"Yeah.","start":6.48,"end":6.7999997,"sentiment":"neutral","sentiment_score":0.14526960253715515},{"text":"Not","start":6.7999997,"end":7.04,"sentiment":"neutral","sentiment_score":0.25696247816085815}],"sentiment":"neutral","sentiment_score":0.20111604034900665,"channel":0,"num_words":2,"start":6.48,"end":7.04},{"sentences":[{"text":"Thanks.","start":7.04,"end":7.54,"sentiment":"positive","sentiment_score":0.3463232219219208}],"sentiment":"positive","sentiment_score":0.3463232219219208,"channel":1,"num_words":1,"start":7.04,"end":7.54},{"sentences":[{"text":"too bad at all.","start":7.04,"end":8.1,"sentiment":"neutral","sentiment_score":0.3023514449596405}],"sentiment":"neutral","sentiment_score":0.3023514449596405,"channel":0,"num_words":4,"start":7.04,"end":8.1},{"sentences":[{"text":"Thanks for your call.","start":8.32,"end":9.54,"sentiment":"positive","sentiment_score":0.6567259728908539}],"sentiment":"positive","sentiment_score":0.6567259728908539,"channel":1,"num_words":4,"start":8.32,"end":9.54},{"sentences":[{"text":"That's not a problem.","start":10.32,"end":11.36,"sentiment":"positive","sentiment_score":0.4261409118771553},{"text":"Just to jump into that one, that's fair, Michelle.","start":11.36,"end":13.2,"sentiment":"neutral","sentiment_score":0.23765063451396096},{"text":"If I can just grab your your client password, if that's 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break.","start":1371.3551,"end":1372.2351,"sentiment":"neutral","sentiment_score":-0.011778621934354305}],"sentiment":"neutral","sentiment_score":0.01786040011793375,"channel":0,"num_words":10,"start":1370.155,"end":1372.2351},{"sentences":[{"text":"I'm","start":1372.015,"end":1372.255,"sentiment":"neutral","sentiment_score":0.08068297803401947}],"sentiment":"neutral","sentiment_score":0.08068297803401947,"channel":1,"num_words":1,"start":1372.015,"end":1372.255},{"sentences":[{"text":"It's","start":1372.2351,"end":1372.7151,"sentiment":"neutral","sentiment_score":0.08567754924297333}],"sentiment":"neutral","sentiment_score":0.08567754924297333,"channel":0,"num_words":1,"start":1372.2351,"end":1372.7151},{"sentences":[{"text":"with the group.","start":1372.255,"end":1373.055,"sentiment":"neutral","sentiment_score":0.08180916061004002}],"sentiment":"neutral","sentiment_score":0.08180916061004002,"channel":1,"num_words":3,"start":1372.255,"end":1373.055},{"sentences":[{"text":"just one","start":1372.7151,"end":1373.115,"sentiment":"neutral","sentiment_score":0.012273395434021952}],"sentiment":"neutral","sentiment_score":0.012273395434021952,"channel":0,"num_words":2,"start":1372.7151,"end":1373.115},{"sentences":[{"text":"I","start":1373.055,"end":1373.2151,"sentiment":"neutral","sentiment_score":0.001334168016910553}],"sentiment":"neutral","sentiment_score":0.001334168016910553,"channel":1,"num_words":1,"start":1373.055,"end":1373.2151},{"sentences":[{"text":"thing.","start":1373.115,"end":1373.615,"sentiment":"neutral","sentiment_score":-0.0018932744860649109}],"sentiment":"neutral","sentiment_score":-0.0018932744860649109,"channel":0,"num_words":1,"start":1373.115,"end":1373.615},{"sentences":[{"text":"know.","start":1373.2151,"end":1373.4551,"sentiment":"neutral","sentiment_score":-0.003855856135487557},{"text":"I know.","start":1373.4551,"end":1373.8551,"sentiment":"neutral","sentiment_score":0.005183926783502101}],"sentiment":"neutral","sentiment_score":0.0021706658105055485,"channel":1,"num_words":3,"start":1373.2151,"end":1373.8551},{"sentences":[{"text":"Yeah.","start":1373.675,"end":1374.15,"sentiment":"neutral","sentiment_score":0.04416906088590622}],"sentiment":"neutral","sentiment_score":0.04416906088590622,"channel":0,"num_words":1,"start":1373.675,"end":1374.15},{"sentences":[{"text":"Right?","start":1373.8551,"end":1374.255,"sentiment":"neutral","sentiment_score":0.05827076733112335},{"text":"Yeah.","start":1374.255,"end":1374.755,"sentiment":"neutral","sentiment_score":0.0709475725889206},{"text":"Okay.","start":1375.055,"end":1375.555,"sentiment":"neutral","sentiment_score":0.13474778831005096},{"text":"Alright.","start":1375.6951,"end":1376.015,"sentiment":"positive","sentiment_score":0.34571099281311035},{"text":"Thank you very much for your time this morning.","start":1376.015,"end":1377.935,"sentiment":"positive","sentiment_score":0.7930374211735196}],"sentiment":"positive","sentiment_score":0.5959241470465293,"channel":1,"num_words":13,"start":1373.8551,"end":1377.935},{"sentences":[{"text":"I really appreciate it.","start":1377.935,"end":1379.25,"sentiment":"positive","sentiment_score":0.7977078408002853}],"sentiment":"positive","sentiment_score":0.7977078408002853,"channel":1,"num_words":4,"start":1377.935,"end":1379.25},{"sentences":[{"text":"No problem, Michelle.","start":1379.75,"end":1380.55,"sentiment":"positive","sentiment_score":0.6060880422592163},{"text":"You enjoy the rest of your day there, and, yeah, just give us a call when you're ready to have a bit more of a discussion around that.","start":1380.55,"end":1385.169,"sentiment":"positive","sentiment_score":0.498295359313488}],"sentiment":"positive","sentiment_score":0.5087269092759779,"channel":0,"num_words":31,"start":1379.75,"end":1385.169},{"sentences":[{"text":"It.","start":1384.85,"end":1385.01,"sentiment":"neutral","sentiment_score":0.1844600141048431},{"text":"Yeah.","start":1385.01,"end":1385.33,"sentiment":"neutral","sentiment_score":0.18782271444797516},{"text":"Yeah.","start":1385.33,"end":1385.65,"sentiment":"neutral","sentiment_score":0.16824166476726532},{"text":"Will do when I know numbers and stuff.","start":1385.65,"end":1388.6189,"sentiment":"neutral","sentiment_score":0.14087795559316874},{"text":"I'll get I'll get back on to you.","start":1388.8589,"end":1390.799,"sentiment":"neutral","sentiment_score":0.21753093786537647}],"sentiment":"neutral","sentiment_score":0.17935766005202344,"channel":1,"num_words":19,"start":1384.85,"end":1390.799},{"sentences":[{"text":"Perfect.","start":1391.169,"end":1391.4889,"sentiment":"positive","sentiment_score":0.5118746161460876},{"text":"No","start":1391.4889,"end":1391.729,"sentiment":"neutral","sentiment_score":-0.0055467188358306885}],"sentiment":"neutral","sentiment_score":0.2531639486551285,"channel":0,"num_words":2,"start":1391.169,"end":1391.729},{"sentences":[{"text":"Alright.","start":1391.4989,"end":1391.9989,"sentiment":"neutral","sentiment_score":0.0948876366019249}],"sentiment":"neutral","sentiment_score":0.0948876366019249,"channel":1,"num_words":1,"start":1391.4989,"end":1391.9989},{"sentences":[{"text":"problem, Michelle.","start":1391.729,"end":1392.3689,"sentiment":"neutral","sentiment_score":0.21429631114006042},{"text":"Thanks.","start":1392.3689,"end":1392.689,"sentiment":"positive","sentiment_score":0.5567166805267334},{"text":"Bye","start":1392.689,"end":1392.929,"sentiment":"neutral","sentiment_score":0.31440040469169617}],"sentiment":"neutral","sentiment_score":0.3249274268746376,"channel":0,"num_words":4,"start":1391.729,"end":1392.929},{"sentences":[{"text":"Thank","start":1392.8589,"end":1393.179,"sentiment":"positive","sentiment_score":0.5859813690185547}],"sentiment":"positive","sentiment_score":0.5859813690185547,"channel":1,"num_words":1,"start":1392.8589,"end":1393.179},{"sentences":[{"text":"now.","start":1392.929,"end":1393.429,"sentiment":"positive","sentiment_score":0.5007539987564087}],"sentiment":"positive","sentiment_score":0.5007539987564087,"channel":0,"num_words":1,"start":1392.929,"end":1393.429},{"sentences":[{"text":"you.","start":1393.179,"end":1393.6589,"sentiment":"positive","sentiment_score":0.40994763374328613},{"text":"Thanks.","start":1393.6589,"end":1394.0588,"sentiment":"positive","sentiment_score":0.6006584167480469},{"text":"Bye.","start":1394.0588,"end":1394.5588,"sentiment":"neutral","sentiment_score":-0.12104913592338562}],"sentiment":"neutral","sentiment_score":0.2965189715226491,"channel":1,"num_words":3,"start":1393.179,"end":1394.5588}]},"summary":{"result":"success","short":"Kyle calls to discuss possible inheritance for his children and asks about where the settlement will go. He also asks about trust and discretionary trust for children to access it. Michelle explains that the settlement will be distributed to the children and there may be a trust or discretionary trust for children to access it. The customer is considering setting up a kid's savings account and investing in their funds. They express hesitation due to financial troubles and their desire to protect their family. The representative suggests consulting with a solicitor and setting up a structure to see if a deal can be made. They also discuss the customer's financial situation and the possibility of moving forward with their plans."},"intents":{"segments":[{"text":"your inheritance.","start_word":97,"end_word":98,"intents":[{"intent":"Discuss inheritance","confidence_score":0.043964792}]},{"text":"And my question is, like, where does it go? Does it does it go into their bank accounts? Do I need to set up something for them? You know?","start_word":295,"end_word":323,"intents":[{"intent":"Set up account","confidence_score":0.21298274}]},{"text":"So I was thinking I will just get one step ahead.","start_word":560,"end_word":570,"intents":[{"intent":"Decide","confidence_score":0.0002945696}]},{"text":"So I just wanted to know just to to save time because likely chance is if it all doesn't get distributed at the same time, you know, let let's say I don't have an account for my kids, you know, and we just are all waiting on me to set something so that my kids can have it.","start_word":607,"end_word":664,"intents":[{"intent":"Save time","confidence_score":0.6241551}]},{"text":"So I was just trying to get one step ahead of the game and and set something up for my kids so that on when we get that email to say, yep. Where's it going? I've already got a place for them, but it looks like I just need to wait. Yeah.","start_word":688,"end_word":739,"intents":[{"intent":"Set up and access savings account","confidence_score":0.006094606}]},{"text":"Like, you can have, like, children's savings accounts. Yeah.","start_word":849,"end_word":857,"intents":[{"intent":"Set up separate kid's savings account","confidence_score":0.00046148198}]},{"text":"I'm not too sure in terms of, like, how the will stated and what the requirements Yeah. are.","start_word":885,"end_word":902,"intents":[{"intent":"Understand will of the will","confidence_score":0.00079918664},{"intent":"Understand will requirements","confidence_score":0.009831816},{"intent":"Ask about will requirements","confidence_score":0.004897038}]},{"text":"If I you just can see wondered anything with, if I like, could trust, yeah. discretionary trust, things like that as well, it may sit in Okay.","start_word":1038,"end_word":1064,"intents":[{"intent":"Discuss trust options","confidence_score":0.08052551}]},{"text":"I just have another question as well, and that's in regards to my inheritance and how that will work. But okay.","start_word":1577,"end_word":1597,"intents":[{"intent":"Discuss inheritance plan","confidence_score":0.0014118723}]},{"text":"Well, I'm just my uncles have just been on everything every step of the way. So I just wanted to sort of eliminate any, yeah, concerns that they're going to, you know, possibly have with not receiving things on time or yeah. Just everything, actually.","start_word":1761,"end_word":1805,"intents":[{"intent":"Eliminate concerns","confidence_score":0.5295511}]},{"text":"So my thoughts were we would be selling because I was doing a buying and selling thing back, you know, twenty years ago, getting in Yep. in that little boom. And yeah.","start_word":1925,"end_word":1956,"intents":[{"intent":"Sell house","confidence_score":0.7100784}]},{"text":"was wondering how do I get my name onto our home and onto our home loan.","start_word":1982,"end_word":1997,"intents":[{"intent":"Get name on home","confidence_score":0.17531486}]},{"text":"could you could potentially look at doing, like, a refinance and, like, a change of ownership structure.","start_word":2006,"end_word":2022,"intents":[{"intent":"Consider refinance","confidence_score":0.11650554},{"intent":"Discuss ownership structure","confidence_score":0.025441017}]},{"text":"So our situation was my husband was working for his dad for twenty years. So since 14, you know, as soon as he was able to work. Yep.","start_word":2089,"end_word":2116,"intents":[{"intent":"Understand situation","confidence_score":0.017460592}]},{"text":"It was a massive thing, which is when I originally contacted you guys for some financial support because Okay. that was Yes.","start_word":2172,"end_word":2193,"intents":[{"intent":"Resolve financial support","confidence_score":0.02766479}]},{"text":"it it is obviously still, like, with the solicitor and being able to prepare the forms to change the the title Yep. change.","start_word":2327,"end_word":2349,"intents":[{"intent":"Change title","confidence_score":0.7595047}]},{"text":"So, generally, too, you do have to speak with your lender or a new lender because you're changing the lend like, it shouldn't be sort of a horrible thing if he's able to support it as, like, one anyway.","start_word":2351,"end_word":2389,"intents":[{"intent":"Speak with lender","confidence_score":0.0071156844}]},{"text":"But, like, you're typically, like, chain like, refinancing and changing the ownership to two, which Yeah.","start_word":2391,"end_word":2406,"intents":[{"intent":"Understand ownership changes","confidence_score":0.00039026243}]},{"text":"You can sort of once you do have the money and have a think about it, you can obviously, like, discuss, like, certain investment options and things available for you as well okay.","start_word":2897,"end_word":2929,"intents":[{"intent":"Discuss investment options","confidence_score":0.12924}]},{"text":"So what I'd love to do ideally is to somehow make a little portion of that become like a passive or an ongoing income or, you know, like, invest it or just do something with it.","start_word":3106,"end_word":3141,"intents":[{"intent":"Make passive income","confidence_score":0.14476864}]},{"text":"Obviously, you're still, like, on the younger side in terms of, like, working life left behind, you know, until you can access super.","start_word":3188,"end_word":3210,"intents":[{"intent":"Access super","confidence_score":0.28500506}]},{"text":"And then if you hold it at ten years, you can start using that as a distribution as, like, an early super retirement versus, like, waiting all the way up until superannuation.","start_word":3334,"end_word":3365,"intents":[{"intent":"Use as a distribution","confidence_score":0.00033112944}]},{"text":"And then, additionally, if, you know, you're able to potentially have just, like, an IDPS in conjunction with your superannuation, which is much as like an investment account similar Okay.","start_word":3367,"end_word":3396,"intents":[{"intent":"Discuss superannuation strategy","confidence_score":0.0010178154}]},{"text":"And and then it sort of you get the added protection that your your parents want for you as well as sort of having your own things set up for your kids as well. Yeah. Yeah.","start_word":3742,"end_word":3777,"intents":[{"intent":"Set up insurance","confidence_score":0.00024519776}]},{"text":"When you're ready, just give us a callback, Michelle, and then we can just, like, once it's all done, we can look at reviewing your superannuation and everything and getting that tied up. I know we had a quick discussion around the insurances and things like that just based on your the working We hours have you were doing and stuff. It yeah.","start_word":3869,"end_word":3931,"intents":[{"intent":"Review insurances","confidence_score":0.47285107},{"intent":"Review insurances","confidence_score":0.48462698}]},{"text":"So your group insurance is probably still better or, like, a nonworking TPD, but we can also have a discussion around that yeah.","start_word":3945,"end_word":3967,"intents":[{"intent":"Discuss group insurance","confidence_score":0.07993698}]},{"text":"yeah, I've sort of my business is about to go into launch, like, an online course business. Yep.","start_word":4003,"end_word":4020,"intents":[{"intent":"Launch online course","confidence_score":0.10708285}]},{"text":"So I've shifted my in person business to online.","start_word":4021,"end_word":4029,"intents":[{"intent":"Transfer business","confidence_score":0.0008467053}]},{"text":"I do I do feel for you. Hopefully, it all comes to a bit of a head soon and you get this estate there. settled, and then you can start Yeah. sort of focusing on your business a little bit more as well. And then, you Yeah. know, we can have Yep. a discussion following that for you. Okay.","start_word":4156,"end_word":4214,"intents":[{"intent":"Offer to discuss estate","confidence_score":0.00003408852}]},{"text":"But you I might feel be able to sort of just give them a phone call and and just yep. inquire.","start_word":4333,"end_word":4353,"intents":[{"intent":"Request call back","confidence_score":0.07674908}]}]},"sentiments":{"segments":[{"text":"Hello. Michelle Good morning, Michelle. It's Carl calling from Financial. How are speaking. you today? Hi, Kyle. How are you? Yeah. Not too Thanks.","start_word":0,"end_word":23,"sentiment":"neutral","sentiment_score":0.16124530136585236},{"text":"bad at all. Thanks for your call. That's not a problem.","start_word":24,"end_word":34,"sentiment":"positive","sentiment_score":0.4764459431171417},{"text":"Just to jump into that one, that's fair, Michelle. If I can just grab your your client password, if that's alright. Is it Phoebe? Yeah. Okay.","start_word":35,"end_word":60,"sentiment":"neutral","sentiment_score":0.14038175344467163},{"text":"Thank you.","start_word":61,"end_word":62,"sentiment":"positive","sentiment_score":0.36438068747520447},{"text":"I definitely know these calls are recorded for quality and training purposes there. And Yep. Yep. now I know we discussed this sort of probably getting on nearly five months ago now regarding Yeah. your inheritance. I believe you just wanted to sort of have another catch up regarding it. I do. So so since I last spoke with you, I've been well, it's been a lot. So my my grandma left the property to myself and my three children and a couple of cousins. But then since her passing, my uncles have taken us to court, and so the money has been redistributed. And my children still get something. So the whole thing was my children were too young to receive an inheritance. That was their argument. We had king's council and everyone involved. It was quite spectacular. Okay. So, yeah, turns out I was self represented, so that was really interesting. We we're still getting a bit of money, so I believe it might be just from my calculations. The kids get 10% of whatever the sale was. So the settlement went through last Monday. So I'm expecting, I think, from my random calculations a while ago about, what, 150,000 possibly, I've gone and put it at 1.5 because I just don't know how much exactly, but it's gonna be around $1.50. And that's gonna go to the children. Yep. And my question is, like, where does it go? Does it does it go into their bank accounts? Do I need to set up something for them? You know? It At depends this point in time yeah. how the solicit obviously, it's more of a a lawyer question and sort of what Okay. it comes down to in the the will. If it was just distributed to them in their name, generally, they'd have some sort of guardian on it, which would normally be, like, a parent like yourself if they're under the Yeah. age of 18. That was meant Yeah. to, like, look after the money or use it for certain purposes for, like, education or their Yeah. That's sort what of it was for. upbringing and things like that. But I wouldn't be able to say without sort of, you know, Right. even looking So this at is our code. okay. Because this is where I am at the moment.","start_word":63,"end_word":456,"sentiment":"neutral","sentiment_score":-0.029784514393827635},{"text":"I don't wanna pay the so I'm just self represented in this whole case.","start_word":457,"end_word":470,"sentiment":"negative","sentiment_score":-0.37024492025375366},{"text":"There's there's a lot of lawyers involved in this, and Yep. my dad's got a lawyer, a solicitor. He's Yep. the executor, so he's the one who is, you know, in contact. I I I get legal advice through him, basically, Yeah. through his because, yeah, it costs $500 for an email.","start_word":471,"end_word":522,"sentiment":"neutral","sentiment_score":-0.15926551818847656},{"text":"And so I've been hesitant to say, okay.","start_word":523,"end_word":530,"sentiment":"negative","sentiment_score":-0.375393271446228},{"text":"So where what should I be doing here? Just because that's gonna cost me, you know, a thousand dollars as It's a a fun yeah. as Yeah. a communication. So I was thinking I will just get one step ahead. So what I'm waiting on so settlement happened on Monday. We've received an email to say that the the funds are being calculated, so the percentages are being calculated, and Yep. then we'll receive something else.","start_word":531,"end_word":606,"sentiment":"neutral","sentiment_score":-0.08559858798980713},{"text":"So I just wanted to know just to to save time because likely chance is if it all doesn't get distributed at the same time, you know, let let's say I don't have an account for my kids, you know, and we just are all waiting on me to set something so that my kids can have it. My uncles are likely to come in and sue me for interest loss or something like that. Like, it's become so nasty.","start_word":607,"end_word":686,"sentiment":"negative","sentiment_score":-0.47591832280159},{"text":"So I was just trying to get one step ahead of the game and and set something up for my kids so that on when we get that email to say, yep.","start_word":687,"end_word":718,"sentiment":"positive","sentiment_score":0.47055280208587646},{"text":"Where's it going? I've already got a place for them, but it looks like I just need to wait. Yeah. Well, worst case scenario, like, just generally, like, you could just open up a kid's savings account with your bank as you as, like, a parental guardian on the account, like, with whoever provider you have and things like that, and then potentially ask your dad because he is the executor as well, if it states how it is to be be distributed, especially for children under the age of 18, to Yeah. see if he knows if it's been like the will. Would I set that up? Sorry to interrupt. Would I set that up in all three of the kids' names? Can you do that? It's separate kids. Like, you can have, like, children's savings accounts. Yeah. But But but with it would have that, to obvious be for each individual child. That needs three different accounts. Is that what that could yeah. be? I'm not too sure in terms of, like, how the will stated and what the requirements Yeah. are. It And, does say like, this that they can't access it until '21. So I'm, you know, then I'm just it's probably assuming. in some form of, like, trust structure or discretionary tasks where, like, they might have a and it might not be yourself depending on how the wheel's set up. They can't access it to 21. There'll be, like, an executor that you have to, like, petition or release funds for and things like that. Given that your dad is the executor and it you'd said they can't access it till '21, it might just be worth asking what the will actually state. Okay. Yeah. In regards to them, I do have a copy of that from when we went through the court. So I'll have a good look at that. Yeah. If I you just can see wondered anything with, if I like, could trust, yeah. discretionary trust, things like that as well, it may sit in Okay. the trust until Nice. it goes to the child at that age. Yeah. So my other question was when I was going through everything and, you know, I got support from the barrister. I think he did a little under the table wink, you know, at me as to save my children some some loss because they've obviously lost the most out of everyone. Yeah. He Yeah.","start_word":719,"end_word":1130,"sentiment":"neutral","sentiment_score":-0.033166820924837616},{"text":"said to me that I could invest it and I could grow that money so that when it they are 21, I could get it back up to, you know, a larger amount for them.","start_word":1131,"end_word":1165,"sentiment":"positive","sentiment_score":0.35654664039611816},{"text":"Well, also, amount more in line with what my grandmother was wanting to give to them. But yeah. Yeah. If it is in a a trust as, like, a trustee, you do have the options to be able to manage the assets for the beneficiaries, like, be able Okay. to invest that money on Yeah. the Alright. behalf of the child. And then if Yep. it's in a trust structure, it's generally a bit better in the sense that, like, children under the age of 16 and also under the age of 18 are subject to, like, different tax rules in regards to that and, like, how much they're actually charged Right. versus, Okay. like, someone that's, like because it's, like, an unearned income. They and then with that being that young as well, generally, they don't have a tax file number and things like that. So it can be quite Yeah. sort of painful in that sense, and Yeah. you generally pay a higher tax rate for children because it is an unearned income because they're not actually earning it, whereas the trust structures work a little bit differently. Obviously, if Yep. it gets put into, like, a discretionary trust and you're named as a trustee, you can be able to, like, invest on their behalf and things like that. The only thing is you can't really sort of take the money out for for certain things, or you might get in trouble. Like, you can't just pull, you know, Yes. 20,000 out and go, we're going on a holiday Yeah. if it's sort Right. of Right. stated that, like, it's for educational purposes and things like that as well. Yes. Yes. Okay. That makes sense. So I can set up just just give me a moment. Hello? I wasn't expecting you. Yeah. Would you like to come in and just do your okay.","start_word":1166,"end_word":1480,"sentiment":"neutral","sentiment_score":0.008692569566506242},{"text":"Beautiful.","start_word":1481,"end_word":1481,"sentiment":"positive","sentiment_score":0.6836751699447632},{"text":"I'm just in a meeting. So you've got everything in the cabinet? Oh, let me just let me just clear out the laundry for you. Oh, sorry. I've just got an unexpected person Yeah. to No. That's perfectly visit. fine. Even if you set the phone down, I'll be here for a few minutes if you'd like.","start_word":1482,"end_word":1538,"sentiment":"neutral","sentiment_score":0.09288182109594344},{"text":"Thank you.","start_word":1539,"end_word":1540,"sentiment":"positive","sentiment_score":0.3769242465496063},{"text":"I'm just clearing out some things I didn't realize. Visitor. Sorry about that. No. That's no problem, Michelle. Take your your time. I'm in I'm in no rush. I'm not going anywhere. Yeah. Thank you. Okay. I just have another question as well, and that's in regards to my inheritance and how that will work. But okay. Sorry. Thank you. Everything should be. I've just got white soaking in there. No? Alright. Alright. No worries. I'll be I'll talk to you in a minute. Alright.","start_word":1541,"end_word":1625,"sentiment":"neutral","sentiment_score":0.0171786118298769},{"text":"Looks like I'm getting my driver fixed today, which is great.","start_word":1626,"end_word":1636,"sentiment":"positive","sentiment_score":0.5676181316375732},{"text":"Bit of a bonus with the the weather that's been going around the past Yes. for the year. Yes. Okay. So we were just talking about a trust for the kids and how it might be better managed. Yes. Yep. Okay. And the unearned income I was just writing some notes down. Sorry about that. Yeah. If you like, just Google, like, ATO children's savings account. Yeah.","start_word":1637,"end_word":1703,"sentiment":"neutral","sentiment_score":0.09097453206777573},{"text":"It, like, gives you a nice good bit of information as well, and you can also, like, look up sort of discretionary trust and the rules around those depending on if that is what the will states, obviously.","start_word":1704,"end_word":1741,"sentiment":"positive","sentiment_score":0.44884979724884033},{"text":"Like, we Yeah. don't give legal advice. I just give you some general information to look No. out for. Well, I'm just my uncles have just been on everything every step of the way. So I just wanted to sort of eliminate any, yeah, concerns that they're going to, you know, possibly have with not receiving things on time or yeah. Just everything, actually. I will just cover every day. So my my other question, do you mind if I just go on to my other question for Yeah. you? So my husband and I, married fifteen years, you know, we're we're pretty solid, and we've got this house all in his name. So we did that early you know, that fifteen years ago, we were gonna go for the first homeowners grant, but then he couldn't get it because I'd already had it. You know, I came into the house with a $100,000, So I went Yep. guarantor for him. So we sort of made it in a way that it was best for us if the house is in his name. So my thoughts were we would be selling because I was doing a buying and selling thing back, you know, twenty years ago, getting in Yep. in that little boom. And yeah. So it turns out we didn't sell in a year or five years. We're still here. Fifteen years later, it's our home. So I Yep. was wondering how do I get my name onto our home and onto our home loan. Is You that something that we can do? could you could potentially look at doing, like, a refinance and, like, a change of ownership structure. Again, this is more of sort of a a a lawyer question because it's, like, solely Yep. Okay. in his name. May I ask, like, why you sort of like, what because, obviously, as a a married couple, unless you sort of have some financial financial agreement generally, like, you're entitled to, like, half the assets anyway, even if your name's on Yeah. it or not. So our situation was my husband was working for his dad for twenty years. So since 14, you know, as soon as he was able to work. Yep. And then in that twenty year period, it turns out that he was never employed.","start_word":1742,"end_word":2131,"sentiment":"neutral","sentiment_score":-0.012641926606496176},{"text":"He was never paying tax. There was no tax. There was just nothing. None none of it was legitimate. He wasn't even a qualified plumber.","start_word":2132,"end_word":2156,"sentiment":"negative","sentiment_score":-0.47969332337379456},{"text":"His dad had just told him that he was. So when we got this yeah. It was a massive thing, which is when I originally contacted you guys for some financial support because Okay. that was Yes.","start_word":2157,"end_word":2193,"sentiment":"neutral","sentiment_score":-0.22040656208992004},{"text":"insane. We got a tax bill for $202,150,000 dollars or something. And my husband's like, what's this from? You know, called his dad and his dad. It's very abusive. It was severe financial abuse that we were Yeah.","start_word":2194,"end_word":2231,"sentiment":"negative","sentiment_score":-0.513876736164093},{"text":"in. Yep. And so to counter all of that, we actually refinanced our home. So we had equity. So we paid the tax bill with the equity. We consolidated all of our car loan and everything, and that happened probably two years ago. Yep.","start_word":2232,"end_word":2275,"sentiment":"neutral","sentiment_score":-0.05499131232500076},{"text":"So the reason why I'm just so hesitant and I'm so concerned, if anything happened to him, how do his parents then fit into that mix if we don't have my name on this home as well, if that makes sense?","start_word":2276,"end_word":2316,"sentiment":"negative","sentiment_score":-0.38720542192459106},{"text":"Yeah. I understand what you're saying now. So the Yeah. it it is obviously still, like, with the solicitor and being able to prepare the forms to change the the title Yep. change. Yep. So, generally, too, you do have to speak with your lender or a new lender because you're changing the lend like, it shouldn't be sort of a horrible thing if he's able to support it as, like, one anyway. But, like, you're typically, like, chain like, refinancing and changing the ownership to two, which Yeah. changes, like, the lender agreements, and they can Yep. sort of, you know, depending I know you're sort of only working part time and things like that, but given that, you know, serviceability in the loan you would have for the rest of the remaining mortgage shouldn't be too bad. That probably wouldn't be an Yeah. issue. Although I suppose what I was because I'm not quite earning just yet, so I probably will need to talk to you about, you know, is there a certain number of years that I need to be proving consistent income? You know, what what would be the best time frame to put my name on the onto the home loan? Again, that's, yeah, sort of still, like, in the mortgage broker solicitor sort of realm, but there are, like, Okay. just different two types of ownership, which is, like, one's just joint tenants, which basically means you both own a 100% of the home. And then if one passes, then the property automatically just goes to the survivor. So that Yeah. would address your concerns in the sense that, you know, if something happened to your partner, it would a 100% just go to To you us. as, yeah, Yep. as the next owner because you both own it, like, a 100%. It's just whoever the Yep. surviving person is gets the, like, the 100% ownership, and then they can distribute it per the will and things like that. If you did, like, Yep. a tenant in common, which you can do, like, splits between, like, percentages, then you would own 50% and he would own 50%. So you might still Oh, yeah. come across the same issues that, like, 50% still would be distributed per his estate. And Yeah. then that's when people start to come and try and, like you And know? come and say, If well, I'm entitled to this and yeah. yeah. And, generally, I you know, being a spouse and having children, things like that, the courts generally will, like, you know, side with I've the been will. my favorite. And, Yeah. yeah, Yeah. but, obviously, that's just like a generalization. It's not, I don't know, the full family history and things like Yeah. that. Yeah. So that's more coming from my parents who want to see me more protected, But then my parents divorced, and so they don't know what it's like. Yep. I'm supposed to have a a marriage that you're sticking through. So Yeah. yeah. It's yeah. For me, it's okay. I just probably yeah. I just feel I need to talk to someone, especially because I'm getting a a large sum of money, and it's enough Yep. to, you know, pay off the mortgage.","start_word":2317,"end_word":2865,"sentiment":"neutral","sentiment_score":-0.006311995518446403},{"text":"But I don't wanna pay it off because it's not my mortgage.","start_word":2866,"end_word":2877,"sentiment":"negative","sentiment_score":-0.37696558237075806},{"text":"There's just a few things there that I don't quite know how to how to go about. But Yeah. You can sort of once you do have the money and have a think about it, you can obviously, like, discuss, like, certain investment options and things available for you as well okay. outside of, obviously, just, like, putting it all on the mortgage, like you said, or Yeah. just having In to one see it all asset. in cash. Yep. Yep. Yeah. And then, yeah, if you really do wanna sort of get added to the the property title, you you probably have to speak to a lawyer To a lawyer. about, Yep. yeah, Yep. a solicitor Let's hear about about that. doing that because you'd have to Okay. lodge the the title change. Yep. Yep. And then you'd have to speak to also, like, your lender or, like, a new lender or mortgage broker Yep. in able to, you know, change the loan for the refinance. Yeah. So in terms of investing as well, because this is something that I've I think I should be getting about $250,000, which Yep. is more money than I've ever had in my whole life. So it's sort of like I don't want to. We're gonna be doing some renovations, but I don't wanna just blow it, like, have it disappear.","start_word":2878,"end_word":3105,"sentiment":"neutral","sentiment_score":0.03381084003730824},{"text":"So what I'd love to do ideally is to somehow make a little portion of that become like a passive or an ongoing income or, you know, like, invest it or just do something with it.","start_word":3106,"end_word":3141,"sentiment":"positive","sentiment_score":0.5919169187545776},{"text":"I've never had money to play with, but this, yeah, just feels like a new option for me when it comes to what what do people do, like, with money. I've never had money. So yeah. Yeah. So, obviously, there's, like, a few options, like, available. Obviously, you're still, like, on the younger side in terms of, like, working life left behind, you know, until you can access super. So you you wouldn't Yeah. wanna sort of totally just dump it all in super and things like that because you lock it away. There No. are investment Yes. options. Yeah. Outside of that, you can look at, like, investment bonds. So, like, if you hold an investment bond, much like superannuation, it's owned by a trustee. And then for if you hold it for ten years, the trustee basically pays the tax rates at a corporate level versus, like, an individual or individual. Obviously, you're not working much at the moment, so it doesn't make much of a difference.","start_word":3142,"end_word":3310,"sentiment":"neutral","sentiment_score":0.0588860847055912},{"text":"But if your business sort of takes off and things like that and your income increases, it can sort of be very beneficial. And then if you hold it at ten years, you can start using that as a distribution as, like, an early super retirement versus, like, waiting all the way up until superannuation.","start_word":3311,"end_word":3365,"sentiment":"positive","sentiment_score":0.3831845223903656},{"text":"And then, additionally, if, you know, you're able to potentially have just, like, an IDPS in conjunction with your superannuation, which is much as like an investment account similar Okay. to super, Yeah. that you obviously have to pay the taxes and things like that or capital gains Yeah. and buying and Yep. selling and income earned on that investment? Right. All of that sort of stuff. Because that's where my uncles went wrong. Like, everyone's at the end of their working life, and they've all got millions in super.","start_word":3366,"end_word":3455,"sentiment":"neutral","sentiment_score":0.022428231313824657},{"text":"But then what that was going to be worth with the increase in the cost of living, their super is not as valuable as they assumed it would be.","start_word":3456,"end_word":3484,"sentiment":"negative","sentiment_score":-0.39065518975257874},{"text":"That's where this whole thing has come from.","start_word":3485,"end_word":3492,"sentiment":"neutral","sentiment_score":-0.3088335692882538},{"text":"So I don't really wanna have everything all in one place.","start_word":3493,"end_word":3503,"sentiment":"negative","sentiment_score":-0.37749814987182617},{"text":"Yep. So, yeah, I'm just really thinking about how to move forward with the the times as well, like, what, yeah, what's some sensible decisions to this to make. But, yeah, that will come probably a bit later.","start_word":3504,"end_word":3541,"sentiment":"neutral","sentiment_score":0.14659902453422546},{"text":"I feel like I'm really overwhelmed at the moment just with the thought of Yeah.","start_word":3542,"end_word":3556,"sentiment":"negative","sentiment_score":-0.5044063925743103},{"text":"And even just as like a starting stone potentially is like, I know you don't have a will in place it. or anything either, is maybe going consulting with a solicitor, look at getting your will jointly done, So and then asking Yes. the questions in conjunction with that as well and how to set up that structure and see if you can sort of pair it all into one. You might get, like, a bit of a a discount as opposed to just going setting up, like, the like, Yeah. the One train thing and then yeah. another. The title change, and then Yeah. they'll yeah. And Yeah. just Okay. try and consult with them and see if you can just sort of get, like, a a nice deal on getting it all done in I'm once, getting you know, your it power all of done. attorney, wills, yeah, health directives, Yep.","start_word":3557,"end_word":3709,"sentiment":"neutral","sentiment_score":0.11621657013893127},{"text":"all that sort of stuff done in one sort of hit, especially why you've got a little bit more, cash flow with the inheritance, things of that once that sort of comes. And and then it sort of you get the added protection that your your parents want for you as well as sort of having your own things set up for your kids as well.","start_word":3710,"end_word":3775,"sentiment":"positive","sentiment_score":0.4816698729991913},{"text":"Yeah. Yeah. Yeah. They're just it's just a lot. I mean, you're still living at the other end of the tax bracket. Is that yeah. Yeah. Alright. Look. I'm just gonna leave that. I feel yeah. I've got a whole page of notes here, and I'm gonna leave it at that today, Kyle, if that's alright. I Yeah. might No. That's perfectly I'm gonna fine. find out the exact amount of money that's coming, and then, yeah, you've given me a few things to look into and think about today. Not a problem. When you're ready, just give us a callback, Michelle, and then we can just, like, once it's all done, we can look at reviewing your superannuation and everything and getting that tied up. I know we had a quick discussion around the insurances and things like that just based on your the working We hours have you were doing and stuff. It yeah. It looking like it was gonna be, like, ADL, which isn't too great. So your group insurance is probably still better or, like, a nonworking TPD, but we can also have a discussion around that yeah. Yeah. again So as I well. I know that I've got my insurances with QSuper because I I needed, like, two years of continuous income to get insurance in other with other companies. But, Yep. yeah, I've sort of my business is about to go into launch, like, an online course business. Yep. So I've shifted my in person business to online. So that's where I'm sort of at a new stage where I wasn't expecting to be in, but, yeah, the money is not gonna be coming in through the business continuously, just not for another few months. I just need a little bit of support with that as well with marketing and stuff. So, Yep. yeah, it's all kind of still up in the air, but it will stabilize soon. I'm sure. Okay. Not a Then problem, you'll Michelle. be able to work with Right. me easier. Yeah. Well, it just seems like you're you're jogging a lot yourself, so it makes it a bit It's harder good. for you Yeah. more than anyone. I know. Yeah. So Right?","start_word":3776,"end_word":4148,"sentiment":"neutral","sentiment_score":0.08052431822981655},{"text":"Thanks for being yeah.","start_word":4149,"end_word":4152,"sentiment":"positive","sentiment_score":0.37848731875419617},{"text":"Not a problem. I do I do feel for you. Hopefully, it all comes to a bit of a head soon and you get this estate there. settled, and then you can start Yeah. sort of focusing on your business a little bit more as well. And then, you Yeah. know, we can have Yep. a discussion following that for you. Okay. Alright.","start_word":4153,"end_word":4215,"sentiment":"neutral","sentiment_score":0.2010631561279297},{"text":"Thank you. I really appreciate your time and expertise in this conversation.","start_word":4216,"end_word":4227,"sentiment":"positive","sentiment_score":0.5076508522033691},{"text":"No no problem, Michelle. But yeah. And also, if you did want just I don't know how much they actually I'm pretty sure they covered across most things, but I can just send you the solicitor information that we sort of generally refer people. This is like a trusted partner with this and Wilson Yes, Estate please. information. Yeah. Yes. And you can just have a a look at that and see. And their service is completely different to us. I couldn't sort of say if they'd sort I of know. be able Right. to pair Everyone up things and stuff. yeah. Yeah. Yep. Yeah. But you I might feel be able to sort of just give them a phone call and and just yep. inquire. Alright.","start_word":4228,"end_word":4354,"sentiment":"neutral","sentiment_score":0.0602494515478611},{"text":"Awesome. Yeah. I would really appreciate that.","start_word":4355,"end_word":4361,"sentiment":"positive","sentiment_score":0.5016869902610779},{"text":"Like, full adult and, you know, adult life has really come and hit me. Yeah. It's just every every day Yes. you gotta decide what to eat. There's no real break. I'm It's with the group. just one I thing. know. I know. Yeah. Right? Yeah. Okay.","start_word":4362,"end_word":4408,"sentiment":"neutral","sentiment_score":0.02512381784617901},{"text":"Alright. Thank you very much for your time this morning. I really appreciate it. No problem, Michelle. You enjoy the rest of your day there, and, yeah, just give us a call when you're ready to have a bit more of a discussion around that.","start_word":4409,"end_word":4453,"sentiment":"positive","sentiment_score":0.5678977966308594},{"text":"It. Yeah. Yeah. Will do when I know numbers and stuff. I'll get I'll get back on to you.","start_word":4454,"end_word":4472,"sentiment":"neutral","sentiment_score":0.1786303669214249},{"text":"Perfect.","start_word":4473,"end_word":4473,"sentiment":"positive","sentiment_score":0.5118746161460876},{"text":"No Alright. problem, Michelle.","start_word":4474,"end_word":4477,"sentiment":"neutral","sentiment_score":0.14203767478466034},{"text":"Thanks. Bye Thank now. you. Thanks.","start_word":4478,"end_word":4483,"sentiment":"positive","sentiment_score":0.486448734998703},{"text":"Bye.","start_word":4484,"end_word":4484,"sentiment":"neutral","sentiment_score":0.31100815534591675}],"average":{"sentiment":"neutral","sentiment_score":0.023548488620009345}}}}