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So you'll start you'll start getting your payments through on a regular schedule. It'll generally come within a few days of the end of your month cycle, which your monthly cycle's seven so the payments will just start coming through within a few days of that rollover. So more than likely, you'll get a payment by sort of Monday, Tuesday next week. And it'll just it's all in arrears. You've been paid up currently until mid June. So yep. So now what you'll get paid for is basically paid up to the July 18, And that payment will come through, yeah, within it's generally within three to five days of that date. Like yeah. Yes. Yes. Nope. Well, that said that everything's happy and everything's hunky dory and they haven't required anything else. So would you? Pretty much. They said that everything's there. Yep. We sent it all through to them. They said happy days. And I emailed Victoria and went I was confirming everything that is required, has been provided. Please let me know if anything further is required. And then they sent through and said, nope. Everything's everything's good. So Yep. Until I back. Alright. I'm sometimes insurance do my head in. Like, I love them, and, generally, they're pretty okay to deal with. But I don't know. Maybe it's just been the last couple of months. They've all done my head in. Yes. I have actually a professional question if you don't mind me asking. So you know how, like, the budget was introduced and with the budgetary intro introduction, there's been a bunch of changes to capital gains and negative gearing. And it was stipulated that basically any, like, any property that was owned would be valued as of the July 1. There's been a bunch of Yeah. Yeah. Yeah. There was a bunch of questions we were sort of asking, like, internally about how they're actually gonna do that. And I I literally turned around, I was like, it's okay. Heron told White's gonna be real busy as a sort of a joke. And I was like, oh, next time I speak to Janine, I should should sort of ask whether, like, my joke is legitimate. Like, would because there's not really been any coverage on how they're doing it, whether it's just an estimated market value as at that date. Because investment property right. But, like, that yeah. Yeah. No. Yep. Okay. Okay. That's cool. Yeah. So I'll we were literally sort of joking about it and wondering, and I did I did throw out. I'm like, surely, it's it's just retrospective. Like, they can just look back. I'm like, because it makes no sense. There's no way that every single investment property can get assessed on that date. And then, yeah, we would because there's obviously been changes to any property pre '85 as well. So that was kind of I was like, oh, all of the people that had all Okay. Cool. Funnel certificate. No. I guess Correct. Yes. Hi. Hello. Good to know. No. I imagine they would not do. I I was literally sitting there going that would be the silliest thing imaginable. Oh, seriously? No. You won't know about it. That won't be in the data. You're better off waiting and allow a couple of months to let all the property sales be posted and everything, and then go off full data not because otherwise, you'll be going off data from a month trial. So essentially, we'll be going off May data, not June data. Yes. Hi. Hello. Just just leave me back to the website. No. That's okay, my love. Anytime. I will try. You too. 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Yeah. Your next month's payment, and then we'll be able to go from there and just keep rolling through. And I yeah. Yeah.\n\nSo you'll start you'll start getting your payments through on a regular schedule. It'll generally come within a few days of the end of your month cycle, which your monthly cycle's seven so the payments will just start coming through within a few days of that rollover. So more than likely, you'll get a payment by sort of Monday, Tuesday next week. And it'll just it's all in arrears. You've been paid up currently until mid June.\n\nSo yep. So now what you'll get paid for is basically paid up to the July 18, And that payment will come through, yeah, within it's generally within three to five days of that date. Like yeah. Yes. Yes.\n\nNope. Well, that said that everything's happy and everything's hunky dory and they haven't required anything else. So would you? Pretty much. They said that everything's there.\n\nYep. We sent it all through to them. They said happy days. And I emailed Victoria and went I was confirming everything that is required, has been provided. Please let me know if anything further is required.\n\nAnd then they sent through and said, nope. Everything's everything's good. So Yep. Until I back. Alright.\n\nI'm sometimes insurance do my head in. Like, I love them, and, generally, they're pretty okay to deal with. But I don't know. Maybe it's just been the last couple of months. They've all done my head in.\n\nYes. I have actually a professional question if you don't mind me asking. So you know how, like, the budget was introduced and with the budgetary intro introduction, there's been a bunch of changes to capital gains and negative gearing. And it was stipulated that basically any, like, any property that was owned would be valued as of the July 1. There's been a bunch of Yeah.\n\nYeah. Yeah. There was a bunch of questions we were sort of asking, like, internally about how they're actually gonna do that. And I I literally turned around, I was like, it's okay. Heron told White's gonna be real busy as a sort of a joke.\n\nAnd I was like, oh, next time I speak to Janine, I should should sort of ask whether, like, my joke is legitimate. Like, would because there's not really been any coverage on how they're doing it, whether it's just an estimated market value as at that date. Because investment property right. But, like, that yeah. Yeah.\n\nNo. Yep. Okay. Okay. That's cool.\n\nYeah. So I'll we were literally sort of joking about it and wondering, and I did I did throw out. I'm like, surely, it's it's just retrospective. Like, they can just look back. I'm like, because it makes no sense.\n\nThere's no way that every single investment property can get assessed on that date. And then, yeah, we would because there's obviously been changes to any property pre '85 as well. So that was kind of I was like, oh, all of the people that had all Okay. Cool. Funnel certificate.\n\nNo. I guess Correct. Yes. Hi. Hello.\n\nGood to know. No. I imagine they would not do. I I was literally sitting there going that would be the silliest thing imaginable. Oh, seriously?\n\nNo. You won't know about it. That won't be in the data. You're better off waiting and allow a couple of months to let all the property sales be posted and everything, and then go off full data not because otherwise, you'll be going off data from a month trial. So essentially, we'll be going off May data, not June data.\n\nYes. Hi. Hello. Just just leave me back to the website. No.\n\nThat's okay, my love. Anytime. I will try. You too. 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a bunch of Yeah.","start":184.355,"end":186.37,"sentiment":"neutral","sentiment_score":-0.02163277380168438}],"sentiment":"neutral","sentiment_score":-0.02337784915050464,"num_words":67,"start":150.165,"end":186.37},{"sentences":[{"text":"Yeah.","start":186.37,"end":186.69,"sentiment":"neutral","sentiment_score":-0.0212389025837183},{"text":"Yeah.","start":186.69,"end":187.09,"sentiment":"neutral","sentiment_score":-0.02797803096473217},{"text":"There was a bunch of questions we were sort of asking, like, internally about how they're actually gonna do that.","start":187.09,"end":192.79,"sentiment":"neutral","sentiment_score":-0.040945722814649345},{"text":"And I I literally turned around, I was like, it's okay.","start":192.93,"end":195.48999,"sentiment":"neutral","sentiment_score":-0.0565446713431315},{"text":"Heron told White's gonna be real busy as a sort of a joke.","start":195.48999,"end":199.03,"sentiment":"neutral","sentiment_score":-0.13772397545667794}],"sentiment":"neutral","sentiment_score":-0.07131596642505864,"num_words":46,"start":186.37,"end":199.03},{"sentences":[{"text":"And I was like, oh, next time I speak to Janine, I should should sort of ask whether, like, my joke is legitimate.","start":199.825,"end":206.405,"sentiment":"neutral","sentiment_score":-0.05990923681984777},{"text":"Like, would because there's not really been any coverage on how they're doing it, whether it's just an estimated market value as at that date.","start":206.465,"end":215.01999,"sentiment":"neutral","sentiment_score":-0.06292156770825386},{"text":"Because investment property right.","start":215.01999,"end":219.68,"sentiment":"neutral","sentiment_score":-0.041650223545730114},{"text":"But, like, that 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sense.","start":298.43,"end":299.87,"sentiment":"neutral","sentiment_score":-0.2867315688303539}],"sentiment":"neutral","sentiment_score":-0.03654909636825323,"num_words":40,"start":289.87,"end":299.87},{"sentences":[{"text":"There's no way that every single investment property can get assessed on that date.","start":299.87,"end":304.465,"sentiment":"neutral","sentiment_score":-0.23034257335322245},{"text":"And then, yeah, we would because there's obviously been changes to any property pre '85 as well.","start":305.64502,"end":313.505,"sentiment":"neutral","sentiment_score":-0.09638194367289543},{"text":"So that was kind of I was like, oh, all of the people that had all Okay.","start":314.285,"end":341.47998,"sentiment":"neutral","sentiment_score":-0.017165280440274405},{"text":"Cool.","start":342.18,"end":342.68,"sentiment":"positive","sentiment_score":0.38890540599823},{"text":"Funnel 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know.","start":360.335,"end":361.155,"sentiment":"neutral","sentiment_score":0.316434105237325},{"text":"No.","start":366.39,"end":366.89,"sentiment":"neutral","sentiment_score":-0.2297551929950714},{"text":"I imagine they would not do.","start":367.99,"end":369.43,"sentiment":"negative","sentiment_score":-0.40122313300768536},{"text":"I I was literally sitting there going that would be the silliest thing imaginable.","start":369.43,"end":372.97,"sentiment":"negative","sentiment_score":-0.3829664928572519},{"text":"Oh, seriously?","start":376.63,"end":377.61002,"sentiment":"neutral","sentiment_score":-0.0038627395406365395}],"sentiment":"neutral","sentiment_score":-0.2714249251696926,"num_words":26,"start":360.335,"end":377.61002},{"sentences":[{"text":"No.","start":395.13,"end":395.63,"sentiment":"neutral","sentiment_score":-0.2202177047729492},{"text":"You won't know about it.","start":395.93,"end":396.89,"sentiment":"neutral","sentiment_score":-0.19974071085453032},{"text":"That won't be in the data.","start":396.89,"end":398.01,"sentiment":"neutral","sentiment_score":-0.20717470596234003},{"text":"You're better off waiting and allow a couple of months to let all the property sales be posted and everything, and then go off full data not because otherwise, you'll be going off data from a month trial.","start":398.01,"end":409.255,"sentiment":"neutral","sentiment_score":-0.07915956830899966},{"text":"So essentially, we'll be going off May data, not June 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Hello. Hello. Hello. I don't know what happened then. But yes. I guess. Yep. Yep. Too easy. Yep. Schedules are good. We like a good schedule. Yep. Yeah. Okay. Okay. Cool. Easy. So they're all paid in arrears then, like, a month in arrears, or are they because I remember you saying two in arrears, two in advance, or is it just all in arrears? Yep. Easy. I take this right now. Yep. Yes. Yep. Cool. Fantastic. Did you also check with them that on this so when they sent through the decision confirmation, it said that there was an ongoing claim form and then also the treating doctor statement, but there was no doctor statement attached. So I actually haven't done that. So I don't want them to come back and go. Mate, we said you needed to do it, but you didn't do it. Okay. Perfect. Let's not ask him. I love that. Yep. Good. Fantastic. We love it. Love it. Love it. Love it. Okay. Yeah. It's yeah. They can be a bit like that. Yeah. Go for it. Negative gearing and stuff. Mhmm. If it's an investment. Yep. Yep. No. It has to be assigned for an evaluation. So, yeah, so like you do now for capital gains. So say if you owned an investment, like, at the moment and you moved out of it Mhmm. And then you sold it in six months' time, you're meant to get a valuation as at the day you move out of it, and you start claiming it as an investment property. So that that's all current rules and regulations. But when this other one comes in, it's not like there's gonna be, you know, 3,000 valuers running around Australia valuing every investment property on the first of July. That's not how it works. So what'll happen is you can do it retrospectively when you go to sell the asset. So say you own it for another three years post one July next year, When you sell it, you just get a valuation done then that is retrospectively dated the 07/01/2027. So we do them now. Like, I've done GST evaluations on the 07/01/2000. So, yeah, like, you just yep. We just go back into our database and look at the sales that were happening at that time and assess the value as if we were in the market at that time in our head. And then, yeah, produce a report. No. Yeah. So we often do reports that that have multiple dates evaluation in them. So it could be, you know, they bought the property in year 2000, and then they moved out in 2005, and they moved back in 2009, then they moved out again in, you know, 2020, and so they need those at every day. So yeah. Yep. We can do all that. Yeah. So yeah. And then your accountant yeah. We're often working with accountants to try and get the best results for everybody because no one wants to pay tax to the tax man. So we work within the bounds of the rules without stretching them too far to minimize tax. Yeah. Yeah. So there you go. There's your answer. But, yes, no one needs to call up now and book us in for the July 1 next year. No. Yep. It's happening already, though. Yep. Yeah. We're literally I was talking to someone the other day, and they're like, we're getting phone calls with people that wanna book their bill for the July 1. And it's like, you better to wait anyway because if a sale happens on the June 30, we can count it. Whereas if we look at your property on the July 1, we probably won't know about that June 30 sale. So yeah. Yep. Yep. That's it. Yeah. Which is fine if the market's not moving, but, yeah, it's not good when it is. So yeah. There you go. So that's the answer. Too easy. I love it. I love it. Hey, Hillary. So well, you get back to your big long list of emails, and, yeah, thanks for following up on all of that for me. I appreciate it. Okay. Cool. Enjoy the rest of your day and your weekend. You too. 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Hello. Hello. Hello. I don't know what happened then.\n\nBut yes. I guess. Yep. Yep. Too easy.\n\nYep. Schedules are good. We like a good schedule. Yep. Yeah.\n\nOkay. Okay. Cool. Easy. So they're all paid in arrears then, like, a month in arrears, or are they because I remember you saying two in arrears, two in advance, or is it just all in arrears?\n\nYep. Easy. I take this right now. Yep. Yes.\n\nYep. Cool. Fantastic. Did you also check with them that on this so when they sent through the decision confirmation, it said that there was an ongoing claim form and then also the treating doctor statement, but there was no doctor statement attached. So I actually haven't done that.\n\nSo I don't want them to come back and go. Mate, we said you needed to do it, but you didn't do it. Okay. Perfect. Let's not ask him.\n\nI love that. Yep. Good. Fantastic. We love it.\n\nLove it. Love it. Love it. Okay. Yeah.\n\nIt's yeah. They can be a bit like that. Yeah. Go for it. Negative gearing and stuff.\n\nMhmm. If it's an investment. Yep. Yep. No.\n\nIt has to be assigned for an evaluation. So, yeah, so like you do now for capital gains. So say if you owned an investment, like, at the moment and you moved out of it Mhmm. And then you sold it in six months' time, you're meant to get a valuation as at the day you move out of it, and you start claiming it as an investment property. So that that's all current rules and regulations.\n\nBut when this other one comes in, it's not like there's gonna be, you know, 3,000 valuers running around Australia valuing every investment property on the first of July. That's not how it works. So what'll happen is you can do it retrospectively when you go to sell the asset. So say you own it for another three years post one July next year, When you sell it, you just get a valuation done then that is retrospectively dated the 07/01/2027. So we do them now.\n\nLike, I've done GST evaluations on the 07/01/2000. So, yeah, like, you just yep. We just go back into our database and look at the sales that were happening at that time and assess the value as if we were in the market at that time in our head. And then, yeah, produce a report. No.\n\nYeah. So we often do reports that that have multiple dates evaluation in them. So it could be, you know, they bought the property in year 2000, and then they moved out in 2005, and they moved back in 2009, then they moved out again in, you know, 2020, and so they need those at every day. So yeah. Yep.\n\nWe can do all that. Yeah. So yeah. And then your accountant yeah. We're often working with accountants to try and get the best results for everybody because no one wants to pay tax to the tax man.\n\nSo we work within the bounds of the rules without stretching them too far to minimize tax. Yeah. Yeah. So there you go. There's your answer.\n\nBut, yes, no one needs to call up now and book us in for the July 1 next year. No. Yep. It's happening already, though. Yep.\n\nYeah. We're literally I was talking to someone the other day, and they're like, we're getting phone calls with people that wanna book their bill for the July 1. And it's like, you better to wait anyway because if a sale happens on the June 30, we can count it. Whereas if we look at your property on the July 1, we probably won't know about that June 30 sale. So yeah.\n\nYep. Yep. That's it. Yeah. Which is fine if the market's not moving, but, yeah, it's not good when it is.\n\nSo yeah. There you go. So that's the answer. Too easy. I love it.\n\nI love it. Hey, Hillary. So well, you get back to your big long list of emails, and, yeah, thanks for following up on all of that for me. I appreciate it. Okay.\n\nCool. Enjoy the rest of your day and your weekend. You too. Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":0.32,"end":0.82,"sentiment":"neutral","sentiment_score":0.014642863534390926},{"text":"Hello.","start":0.96,"end":1.1999999,"sentiment":"neutral","sentiment_score":0.016939397901296616},{"text":"Hello.","start":1.1999999,"end":1.6999999,"sentiment":"neutral","sentiment_score":0.01659095287322998},{"text":"Hello.","start":3.12,"end":3.62,"sentiment":"neutral","sentiment_score":0.012342591769993303},{"text":"I don't know what happened then.","start":3.6799998,"end":5.14,"sentiment":"neutral","sentiment_score":-0.047548120841383934}],"sentiment":"neutral","sentiment_score":-0.022477291896939276,"num_words":10,"start":0.32,"end":5.14},{"sentences":[{"text":"But yes.","start":7.3599997,"end":8.42,"sentiment":"neutral","sentiment_score":-0.008698259014636278},{"text":"I guess.","start":9.5199995,"end":10.26,"sentiment":"neutral","sentiment_score":0.057242751121520996},{"text":"Yep.","start":12.639999,"end":12.945,"sentiment":"neutral","sentiment_score":0.052098602056503296},{"text":"Yep.","start":13.905,"end":14.384999,"sentiment":"neutral","sentiment_score":0.12485727667808531},{"text":"Too easy.","start":14.384999,"end":15.025,"sentiment":"neutral","sentiment_score":0.32148613035678864}],"sentiment":"neutral","sentiment_score":0.11462714045774192,"num_words":8,"start":7.3599997,"end":15.025},{"sentences":[{"text":"Yep.","start":15.025,"end":15.504999,"sentiment":"neutral","sentiment_score":0.3109518885612488},{"text":"Schedules are good.","start":15.504999,"end":16.305,"sentiment":"positive","sentiment_score":0.4749510884284973},{"text":"We like a good schedule.","start":16.305,"end":17.525,"sentiment":"positive","sentiment_score":0.45167907476425173},{"text":"Yep.","start":31.4,"end":31.9,"sentiment":"neutral","sentiment_score":0.10829943418502808},{"text":"Yeah.","start":37.16,"end":37.48,"sentiment":"neutral","sentiment_score":0.042861565947532654}],"sentiment":"positive","sentiment_score":0.3768510479818691,"num_words":11,"start":15.025,"end":37.48},{"sentences":[{"text":"Okay.","start":37.48,"end":37.98,"sentiment":"neutral","sentiment_score":0.0911329984664917},{"text":"Okay.","start":42.065,"end":42.465,"sentiment":"neutral","sentiment_score":0.14552727341651917},{"text":"Cool.","start":42.465,"end":42.965,"sentiment":"neutral","sentiment_score":0.22022786736488345},{"text":"Easy.","start":43.024998,"end":43.524998,"sentiment":"neutral","sentiment_score":0.2000235617160797},{"text":"So they're all paid in arrears then, like, a month in arrears, or are they because I remember you saying two in arrears, two in advance, or is it just all in arrears?","start":44.145,"end":52.805,"sentiment":"neutral","sentiment_score":0.029321121164795124}],"sentiment":"neutral","sentiment_score":0.043905640524384136,"num_words":37,"start":37.48,"end":52.805},{"sentences":[{"text":"Yep.","start":54.464996,"end":54.945,"sentiment":"neutral","sentiment_score":0.081300288438797},{"text":"Easy.","start":54.945,"end":55.445,"sentiment":"neutral","sentiment_score":0.13241523504257202},{"text":"I take this right now.","start":58.39,"end":59.69,"sentiment":"neutral","sentiment_score":0.06776957660913467},{"text":"Yep.","start":66.229996,"end":66.729996,"sentiment":"neutral","sentiment_score":0.10977485030889512},{"text":"Yes.","start":73.695,"end":74.195,"sentiment":"neutral","sentiment_score":0.08018024265766144}],"sentiment":"neutral","sentiment_score":0.08250205549928877,"num_words":9,"start":54.464996,"end":74.195},{"sentences":[{"text":"Yep.","start":74.415,"end":74.915,"sentiment":"neutral","sentiment_score":0.10463130474090576},{"text":"Cool.","start":75.935,"end":76.435,"sentiment":"positive","sentiment_score":0.46828460693359375},{"text":"Fantastic.","start":77.535,"end":78.035,"sentiment":"positive","sentiment_score":0.5892940759658813},{"text":"Did you also check with them that on this so when they sent through the decision confirmation, it said that there was an ongoing claim form and then also the treating doctor statement, but there was no doctor statement attached.","start":78.975,"end":92.04,"sentiment":"neutral","sentiment_score":-0.04471782338805497},{"text":"So I actually haven't done that.","start":92.04,"end":93.16,"sentiment":"neutral","sentiment_score":-0.23425045609474182}],"sentiment":"neutral","sentiment_score":-0.0414695037642912,"num_words":49,"start":74.415,"end":93.16},{"sentences":[{"text":"So I don't want them to come back and go.","start":93.16,"end":95.020004,"sentiment":"neutral","sentiment_score":-0.32239211797714235},{"text":"Mate, we said you needed to do it, but you didn't do it.","start":95.16,"end":97.66,"sentiment":"neutral","sentiment_score":-0.1804652718397287},{"text":"Okay.","start":104.025,"end":104.345,"sentiment":"neutral","sentiment_score":0.08486085385084152},{"text":"Perfect.","start":104.345,"end":104.845,"sentiment":"positive","sentiment_score":0.3539927899837494},{"text":"Let's not ask him.","start":105.065,"end":106.365005,"sentiment":"neutral","sentiment_score":0.07730057090520859}],"sentiment":"neutral","sentiment_score":-0.16627288918043004,"num_words":29,"start":93.16,"end":106.365005},{"sentences":[{"text":"I love that.","start":107.425,"end":109.805,"sentiment":"neutral","sentiment_score":0.215984841187795},{"text":"Yep.","start":113.305,"end":113.805,"sentiment":"neutral","sentiment_score":0.2744818925857544},{"text":"Good.","start":126.7,"end":127.18,"sentiment":"positive","sentiment_score":0.5873776078224182},{"text":"Fantastic.","start":127.18,"end":127.68,"sentiment":"positive","sentiment_score":0.7063193321228027},{"text":"We love it.","start":130.515,"end":131.41501,"sentiment":"positive","sentiment_score":0.4876676599184672}],"sentiment":"positive","sentiment_score":0.4087929262055291,"num_words":9,"start":107.425,"end":131.41501},{"sentences":[{"text":"Love it.","start":131.795,"end":132.275,"sentiment":"positive","sentiment_score":0.6312147378921509},{"text":"Love it.","start":132.275,"end":132.595,"sentiment":"positive","sentiment_score":0.5728587806224823},{"text":"Love it.","start":132.595,"end":133.255,"sentiment":"positive","sentiment_score":0.44580115377902985},{"text":"Okay.","start":135.155,"end":135.655,"sentiment":"neutral","sentiment_score":0.01696871966123581},{"text":"Yeah.","start":147.29001,"end":147.53,"sentiment":"neutral","sentiment_score":-0.024144047871232033}],"sentiment":"positive","sentiment_score":0.41157175204716623,"num_words":8,"start":131.795,"end":147.53},{"sentences":[{"text":"It's yeah.","start":147.53,"end":148.73,"sentiment":"neutral","sentiment_score":-0.033932266756892204},{"text":"They can be a bit like that.","start":148.73,"end":150.19,"sentiment":"neutral","sentiment_score":-0.05062773823738098},{"text":"Yeah.","start":151.21,"end":151.71,"sentiment":"neutral","sentiment_score":-0.0033902768045663834},{"text":"Go for it.","start":155.815,"end":163.115,"sentiment":"neutral","sentiment_score":-0.012331794016063213},{"text":"Negative gearing and stuff.","start":171.35999,"end":172.73999,"sentiment":"neutral","sentiment_score":-0.06585170794278383}],"sentiment":"neutral","sentiment_score":-0.04270889363525545,"num_words":17,"start":147.53,"end":172.73999},{"sentences":[{"text":"Mhmm.","start":173.35999,"end":173.85999,"sentiment":"neutral","sentiment_score":-0.01587369665503502},{"text":"If it's an investment.","start":184.075,"end":185.135,"sentiment":"neutral","sentiment_score":-0.017912708455696702},{"text":"Yep.","start":185.195,"end":185.695,"sentiment":"neutral","sentiment_score":-0.020474640652537342},{"text":"Yep.","start":187.595,"end":188.095,"sentiment":"neutral","sentiment_score":-0.03862377628684044},{"text":"No.","start":216.03499,"end":216.19499,"sentiment":"neutral","sentiment_score":-0.061633482575416565}],"sentiment":"neutral","sentiment_score":-0.026032053749077022,"num_words":8,"start":173.35999,"end":216.19499},{"sentences":[{"text":"It has to be assigned for an evaluation.","start":216.19499,"end":218.295,"sentiment":"neutral","sentiment_score":-0.05046720616519451},{"text":"So, yeah, so like you do now for capital gains.","start":219.075,"end":222.77,"sentiment":"neutral","sentiment_score":-0.027909612655639647},{"text":"So say if you owned an investment, like, at the moment and you moved out of it Mhmm.","start":222.77,"end":227.93001,"sentiment":"neutral","sentiment_score":-0.03802615528305372},{"text":"And then you sold it in six months' time, you're meant to get a valuation as at the day you move out of it, and you start claiming it as an investment property.","start":228.05,"end":235.895,"sentiment":"neutral","sentiment_score":-0.015159093859520826},{"text":"So that that's all current rules and regulations.","start":236.675,"end":239.655,"sentiment":"neutral","sentiment_score":0.008701056358404458}],"sentiment":"neutral","sentiment_score":-0.02334995087623209,"num_words":77,"start":216.19499,"end":239.655},{"sentences":[{"text":"But when this other one comes in, it's not like there's gonna be, you know, 3,000 valuers running around Australia valuing every investment property on the first of July.","start":239.955,"end":248.12999,"sentiment":"neutral","sentiment_score":-0.1133210850429946},{"text":"That's not how it works.","start":248.12999,"end":249.26999,"sentiment":"neutral","sentiment_score":-0.15275943279266357},{"text":"So what'll happen is you can do it retrospectively when you go to sell the asset.","start":250.20999,"end":254.93,"sentiment":"neutral","sentiment_score":0.037630008067935705},{"text":"So say you own it for another three years post one July next year, When you sell it, you just get a valuation done then that is retrospectively dated the 07/01/2027.","start":254.93,"end":267.085,"sentiment":"neutral","sentiment_score":0.06428376320869691},{"text":"So we do them now.","start":267.305,"end":270.185,"sentiment":"neutral","sentiment_score":0.10883065313100815}],"sentiment":"neutral","sentiment_score":-0.010593936930215635,"num_words":86,"start":239.955,"end":270.185},{"sentences":[{"text":"Like, I've done GST evaluations on the 07/01/2000.","start":270.185,"end":273.405,"sentiment":"neutral","sentiment_score":0.11103922314941883},{"text":"So, yeah, like, you just yep.","start":273.785,"end":276.53,"sentiment":"neutral","sentiment_score":0.1236352523167928},{"text":"We just go back into our database and look at the sales that were happening at that time and assess the value as if we were in the market at that time in our head.","start":276.53,"end":284.95,"sentiment":"neutral","sentiment_score":0.0857404924929142},{"text":"And then, yeah, produce a report.","start":285.41,"end":287.59,"sentiment":"neutral","sentiment_score":0.061217167104283966},{"text":"No.","start":305.15,"end":305.65,"sentiment":"neutral","sentiment_score":-0.1392463892698288}],"sentiment":"neutral","sentiment_score":0.08676962767328535,"num_words":56,"start":270.185,"end":305.65},{"sentences":[{"text":"Yeah.","start":314.44498,"end":314.94498,"sentiment":"neutral","sentiment_score":-0.04391738772392273},{"text":"So we often do reports that that have multiple dates evaluation in them.","start":317.245,"end":321.485,"sentiment":"neutral","sentiment_score":-0.03500905661628796},{"text":"So it could be, you know, they bought the property in year 2000, and then they moved out in 2005, and they moved back in 2009, then they moved out again in, you know, 2020, and so they need those at every day.","start":321.485,"end":336.18,"sentiment":"neutral","sentiment_score":-0.018355688599999562},{"text":"So yeah.","start":336.56,"end":337.53998,"sentiment":"neutral","sentiment_score":0.1412605233490467},{"text":"Yep.","start":338.31998,"end":338.72,"sentiment":"neutral","sentiment_score":0.23342859745025635}],"sentiment":"neutral","sentiment_score":-0.012873001489788293,"num_words":60,"start":314.44498,"end":338.72},{"sentences":[{"text":"We can do all that.","start":338.72,"end":339.94,"sentiment":"neutral","sentiment_score":0.3063235580921173},{"text":"Yeah.","start":340.56,"end":341.06,"sentiment":"neutral","sentiment_score":0.23246395587921145},{"text":"So yeah.","start":342.24,"end":343.245,"sentiment":"neutral","sentiment_score":0.17563839256763458},{"text":"And then your accountant yeah.","start":343.32498,"end":344.445,"sentiment":"neutral","sentiment_score":-0.04434986039996147},{"text":"We're often working with accountants to try and get the best results for everybody because no one wants to pay tax to the tax man.","start":344.445,"end":350.065,"sentiment":"neutral","sentiment_score":-0.03993641652166843}],"sentiment":"neutral","sentiment_score":0.02355786359035655,"num_words":38,"start":338.72,"end":350.065},{"sentences":[{"text":"So we work within the bounds of the rules without stretching them too far to minimize tax.","start":350.525,"end":355.745,"sentiment":"neutral","sentiment_score":-0.0004971424008117002},{"text":"Yeah.","start":357.485,"end":357.985,"sentiment":"neutral","sentiment_score":0.05727735161781311},{"text":"Yeah.","start":358.445,"end":358.945,"sentiment":"neutral","sentiment_score":0.07138031721115112},{"text":"So there you go.","start":359.64,"end":360.78,"sentiment":"neutral","sentiment_score":0.11351452581584454},{"text":"There's your answer.","start":361.48,"end":362.54,"sentiment":"neutral","sentiment_score":0.19634447495142618}],"sentiment":"neutral","sentiment_score":0.044742222158954695,"num_words":26,"start":350.525,"end":362.54},{"sentences":[{"text":"But, yes, no one needs to call up now and book us in for the July 1 next year.","start":362.6,"end":366.68,"sentiment":"neutral","sentiment_score":0.007770744201384093},{"text":"No.","start":366.68,"end":367.18,"sentiment":"neutral","sentiment_score":-0.30649128556251526},{"text":"Yep.","start":373.69498,"end":374.095,"sentiment":"neutral","sentiment_score":-0.021858949214220047},{"text":"It's happening already, though.","start":374.095,"end":375.29498,"sentiment":"neutral","sentiment_score":-0.011371861677616835},{"text":"Yep.","start":375.29498,"end":375.79498,"sentiment":"neutral","sentiment_score":0.012996044009923937}],"sentiment":"neutral","sentiment_score":-0.00819990375580696,"num_words":26,"start":362.6,"end":375.79498},{"sentences":[{"text":"Yeah.","start":378.01498,"end":378.25497,"sentiment":"neutral","sentiment_score":-0.004765626043081284},{"text":"We're literally I was talking to someone the other day, and they're like, we're getting phone calls with people that wanna book their bill for the July 1.","start":378.25497,"end":384.335,"sentiment":"neutral","sentiment_score":-0.029054993630519936},{"text":"And it's like, you better to wait anyway because if a sale happens on the June 30, we can count it.","start":384.335,"end":389.8,"sentiment":"neutral","sentiment_score":-0.06580439121240661},{"text":"Whereas if we look at your property on the July 1, we probably won't know about that June 30 sale.","start":389.8,"end":394.38,"sentiment":"neutral","sentiment_score":-0.06702105905860663},{"text":"So yeah.","start":396.2,"end":397.27,"sentiment":"neutral","sentiment_score":-0.1478039920330048}],"sentiment":"neutral","sentiment_score":-0.053280928172171116,"num_words":72,"start":378.01498,"end":397.27},{"sentences":[{"text":"Yep.","start":399.775,"end":400.275,"sentiment":"neutral","sentiment_score":-0.05444459244608879},{"text":"Yep.","start":404.175,"end":404.675,"sentiment":"neutral","sentiment_score":-0.04167148470878601},{"text":"That's it.","start":404.815,"end":405.635,"sentiment":"neutral","sentiment_score":-0.06938030570745468},{"text":"Yeah.","start":412.09,"end":412.41,"sentiment":"neutral","sentiment_score":-0.07320012897253036},{"text":"Which is fine if the market's not moving, but, yeah, it's not good when it is.","start":412.41,"end":417.15,"sentiment":"neutral","sentiment_score":-0.1622956725768745}],"sentiment":"neutral","sentiment_score":-0.13832417041772888,"num_words":21,"start":399.775,"end":417.15},{"sentences":[{"text":"So yeah.","start":418.81,"end":419.47,"sentiment":"neutral","sentiment_score":0.05257139168679714},{"text":"There you go.","start":420.16998,"end":420.97,"sentiment":"neutral","sentiment_score":0.08543109893798828},{"text":"So that's the answer.","start":420.97,"end":422.11,"sentiment":"neutral","sentiment_score":0.09724157303571701},{"text":"Too easy.","start":423.37,"end":424.11,"sentiment":"neutral","sentiment_score":0.1872442066669464},{"text":"I love it.","start":426.605,"end":427.24503,"sentiment":"positive","sentiment_score":0.5862947702407837}],"sentiment":"neutral","sentiment_score":0.2059839354561908,"num_words":14,"start":418.81,"end":427.24503},{"sentences":[{"text":"I love it.","start":427.24503,"end":427.80502,"sentiment":"positive","sentiment_score":0.5838306347529093},{"text":"Hey, Hillary.","start":427.80502,"end":428.36502,"sentiment":"neutral","sentiment_score":0.21293648332357407},{"text":"So well, you get back to your big long list of emails, and, yeah, thanks for following up on all of that for me.","start":428.36502,"end":434.045,"sentiment":"positive","sentiment_score":0.3414165706684192},{"text":"I appreciate it.","start":434.045,"end":435.02502,"sentiment":"positive","sentiment_score":0.3869180579980214},{"text":"Okay.","start":437.76694,"end":438.00696,"sentiment":"neutral","sentiment_score":0.2678152322769165}],"sentiment":"positive","sentiment_score":0.35757369615814905,"num_words":33,"start":427.24503,"end":438.00696},{"sentences":[{"text":"Cool.","start":438.00696,"end":438.40695,"sentiment":"positive","sentiment_score":0.45719125866889954},{"text":"Enjoy the rest of your day and your weekend.","start":438.40695,"end":440.10693,"sentiment":"positive","sentiment_score":0.5936285720931159},{"text":"You too.","start":442.71695,"end":443.28696,"sentiment":"neutral","sentiment_score":0.2508033514022827},{"text":"Bye.","start":443.28696,"end":443.78696,"sentiment":"neutral","sentiment_score":0.18577754497528076}],"sentiment":"positive","sentiment_score":0.4990178965605222,"num_words":13,"start":438.00696,"end":443.78696}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello. Hello. Hello.\n\nChannel 0: Hello.\n\nChannel 1: Hello. I don't know what happened then. But yes.\n\nChannel 0: Yeah. Your\n\nChannel 1: I\n\nChannel 0: next\n\nChannel 1: guess.\n\nChannel 0: month's payment, and then we'll be able to go from there and just keep\n\nChannel 1: Yep.\n\nChannel 0: rolling through.\n\nChannel 1: Yep. Too easy. Yep. Schedules are good. We\n\nChannel 0: And\n\nChannel 1: like\n\nChannel 0: I\n\nChannel 1: a good schedule.\n\nChannel 0: yeah. Yeah. So you'll start you'll start getting your payments through on a regular schedule. It'll generally come within a few days of the end of your month cycle, which your monthly cycle's seven\n\nChannel 1: Yep.\n\nChannel 0: so the payments will just start coming through within a few days of that\n\nChannel 1: Yeah.\n\nChannel 0: rollover.\n\nChannel 1: Okay.\n\nChannel 0: So more than likely, you'll get a payment by sort of Monday, Tuesday next week.\n\nChannel 1: Okay. Cool. Easy. So they're\n\nChannel 0: And\n\nChannel 1: all\n\nChannel 0: it'll\n\nChannel 1: paid\n\nChannel 0: just\n\nChannel 1: in arrears then, like, a month in arrears, or are they because I remember you saying two in arrears, two in advance, or is it just all in arrears?\n\nChannel 0: it's all in arrears.\n\nChannel 1: Yep.\n\nChannel 0: You've been\n\nChannel 1: Easy.\n\nChannel 0: paid up currently until mid June.\n\nChannel 1: I take\n\nChannel 0: So\n\nChannel 1: this right now.\n\nChannel 0: yep. So now what you'll get paid for is basically paid up to the July 18,\n\nChannel 1: Yep.\n\nChannel 0: And that payment will come through, yeah, within it's generally within three to five days of that date. Like\n\nChannel 1: Yes. Yep.\n\nChannel 0: yeah.\n\nChannel 1: Cool. Fantastic.\n\nChannel 0: Yes.\n\nChannel 1: Did you also check with them that on this so when they sent through the decision confirmation, it said that there was an ongoing\n\nChannel 0: Yes.\n\nChannel 1: claim form and then also the treating doctor statement, but there was no doctor statement attached. So I actually haven't done that. So I don't want them to come back and go. Mate, we said you needed to do it, but you didn't do it.\n\nChannel 0: Nope. Well, that said that everything's happy and everything's hunky dory and they haven't required anything else. So would\n\nChannel 1: Okay.\n\nChannel 0: you?\n\nChannel 1: Perfect. Let's not ask him.\n\nChannel 0: Pretty much.\n\nChannel 1: I\n\nChannel 0: They said that\n\nChannel 1: love\n\nChannel 0: everything's\n\nChannel 1: that.\n\nChannel 0: there. Yep. We sent it all through to them. They said happy days.\n\nChannel 1: Yep.\n\nChannel 0: And I emailed Victoria and went I was confirming everything that is required, has been provided. Please let me know if anything further is required. And then they sent through and said, nope. Everything's everything's good.\n\nChannel 1: Good.\n\nChannel 0: So\n\nChannel 1: Fantastic.\n\nChannel 0: Yep. Until I back.\n\nChannel 1: We love it. Love it. Love it. Love it.\n\nChannel 0: Alright. I'm\n\nChannel 1: Okay.\n\nChannel 0: sometimes insurance do my head in. Like, I love them, and, generally, they're pretty okay to deal with. But I don't know. Maybe it's just been the last couple of months. They've all done my head in.\n\nChannel 1: Yeah. It's yeah. They can be a bit like that.\n\nChannel 0: Yes.\n\nChannel 1: Yeah.\n\nChannel 0: I have actually a professional question if you don't mind me asking.\n\nChannel 1: Go for\n\nChannel 0: So you know how, like, the budget was introduced\n\nChannel 1: it.\n\nChannel 0: and with the budgetary intro introduction, there's been a bunch of changes to capital gains and\n\nChannel 1: Negative gearing\n\nChannel 0: negative\n\nChannel 1: and stuff.\n\nChannel 0: gearing.\n\nChannel 1: Mhmm.\n\nChannel 0: And it was stipulated that basically any, like, any property that was owned would be valued as of the July 1.\n\nChannel 1: If it's\n\nChannel 0: There's\n\nChannel 1: an\n\nChannel 0: been\n\nChannel 1: investment.\n\nChannel 0: a bunch\n\nChannel 1: Yep.\n\nChannel 0: of Yeah. Yeah. Yeah. There was a\n\nChannel 1: Yep.\n\nChannel 0: bunch of questions we were sort of asking, like, internally about how they're actually gonna do that. And I I literally turned around, I was like, it's okay. Heron told White's gonna be real busy as a sort of a joke. And I was like, oh, next time I speak to Janine, I should should sort of ask whether, like, my joke is legitimate. Like, would because there's not really been any coverage on how they're doing it, whether it's just an estimated market value as at that date.\n\nBecause\n\nChannel 1: No. It\n\nChannel 0: investment\n\nChannel 1: has to be\n\nChannel 0: property\n\nChannel 1: assigned for an evaluation. So,\n\nChannel 0: right.\n\nChannel 1: yeah,\n\nChannel 0: But,\n\nChannel 1: so\n\nChannel 0: like,\n\nChannel 1: like you\n\nChannel 0: that\n\nChannel 1: do now for capital gains. So say if you owned an investment, like, at the moment and\n\nChannel 0: yeah.\n\nChannel 1: you moved out of it Mhmm. And then you sold it in six months' time, you're meant to get a valuation as at the day you move out of it, and you start claiming it as an investment property. So\n\nChannel 0: Yeah.\n\nChannel 1: that that's all current rules and regulations. But when this other one comes in, it's not like there's gonna be, you know, 3,000 valuers running around Australia valuing every investment property on the first of July. That's not how it works.\n\nChannel 0: No.\n\nChannel 1: So what'll happen is you can do it retrospectively when you go to sell the asset. So say you own it for another three years post one July next year, When you sell it, you\n\nChannel 0: Yep.\n\nChannel 1: just get a valuation done then that is retrospectively dated the 07/01/2027. So we do them now. Like, I've done GST evaluations on the 07/01/2000. So, yeah, like, you just yep. We just go back into our database and look at the sales that were happening at that time and assess the value as if we were in the market at that time in our head.\n\nAnd then, yeah,\n\nChannel 0: Okay.\n\nChannel 1: produce a report.\n\nChannel 0: Okay. That's cool. Yeah. So I'll we were literally sort of joking about it and wondering, and I did I did throw out. I'm like, surely, it's it's just retrospective.\n\nLike, they can just look back. I'm like, because it makes no sense. There's no way that every single investment property can get assessed on that date.\n\nChannel 1: No.\n\nChannel 0: And then, yeah, we would because there's obviously been changes to any property pre '85 as well. So\n\nChannel 1: Yeah.\n\nChannel 0: that was kind of I was like,\n\nChannel 1: So\n\nChannel 0: oh,\n\nChannel 1: we often\n\nChannel 0: all of\n\nChannel 1: do\n\nChannel 0: the people\n\nChannel 1: reports\n\nChannel 0: that had\n\nChannel 1: that\n\nChannel 0: all\n\nChannel 1: that have multiple dates evaluation in them. So it could be, you know, they bought the property in year 2000, and then they moved out in 2005, and they moved back in 2009, then they moved out again in, you know, 2020, and so they need those at every day. So yeah. Yep. We can do all that.\n\nYeah.\n\nChannel 0: Okay. Cool.\n\nChannel 1: So yeah.\n\nChannel 0: Funnel certificate.\n\nChannel 1: And then your\n\nChannel 0: No.\n\nChannel 1: accountant\n\nChannel 0: I guess\n\nChannel 1: yeah. We're often working with accountants to try and get the best results for everybody because no one wants to pay tax to the tax man. So we work\n\nChannel 0: Correct.\n\nChannel 1: within the bounds of the rules without stretching them too far to minimize tax.\n\nChannel 0: Yes. Hi.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Hello.\n\nChannel 1: So there you go.\n\nChannel 0: Good to know.\n\nChannel 1: There's your answer. But, yes, no one needs to call up now and book us in for the July 1 next year.\n\nChannel 0: No.\n\nChannel 1: No.\n\nChannel 0: I imagine they would not do. I I was literally sitting there going that would be the silliest thing imaginable.\n\nChannel 1: Yep. It's happening already, though. Yep.\n\nChannel 0: Oh, seriously?\n\nChannel 1: Yeah. We're literally I was talking to someone the other day, and they're like, we're getting phone calls with people that wanna book their bill for the July 1. And it's like, you better to wait anyway because if a sale happens on the June 30, we can count it. Whereas if we look at your property on the July 1, we probably won't know about that June 30 sale.\n\nChannel 0: No. You won't\n\nChannel 1: So\n\nChannel 0: know about it.\n\nChannel 1: yeah.\n\nChannel 0: That won't be in the data. You're better off waiting and allow a\n\nChannel 1: Yep.\n\nChannel 0: couple of months to let all the property sales be posted and everything, and then\n\nChannel 1: Yep. That's it.\n\nChannel 0: go off full data not because otherwise, you'll be going off data from a month trial. So essentially, we'll be going off May data, not June data.\n\nChannel 1: Yeah. Which is fine if the market's not moving, but, yeah, it's not good when it is.\n\nChannel 0: Yes. Hi. Hello.\n\nChannel 1: So yeah. There you go. So that's the answer. Too easy. I love it.\n\nI love it. Hey, Hillary.\n\nChannel 0: Just\n\nChannel 1: So\n\nChannel 0: just leave\n\nChannel 1: well,\n\nChannel 0: me back to\n\nChannel 1: you\n\nChannel 0: the website.\n\nChannel 1: get back to your big long list of emails, and, yeah, thanks for following up on all of that for me. I appreciate it.\n\nChannel 0: No. That's okay, my love. Anytime.\n\nChannel 1: Okay. Cool. Enjoy the rest of your day and your weekend.\n\nChannel 0: I will try. You too.\n\nChannel 1: You too. Bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":0.32,"end":0.82,"sentiment":"neutral","sentiment_score":0.014642863534390926},{"text":"Hello.","start":0.96,"end":1.1999999,"sentiment":"neutral","sentiment_score":0.016939397901296616},{"text":"Hello.","start":1.1999999,"end":1.6999999,"sentiment":"neutral","sentiment_score":0.01659095287322998}],"sentiment":"neutral","sentiment_score":0.016057738102972507,"channel":1,"num_words":3,"start":0.32,"end":1.6999999},{"sentences":[{"text":"Hello.","start":2.48,"end":2.98,"sentiment":"neutral","sentiment_score":0.016020169481635094}],"sentiment":"neutral","sentiment_score":0.016020169481635094,"channel":0,"num_words":1,"start":2.48,"end":2.98},{"sentences":[{"text":"Hello.","start":3.12,"end":3.62,"sentiment":"neutral","sentiment_score":0.012342591769993303},{"text":"I don't know what happened then.","start":3.6799998,"end":5.14,"sentiment":"neutral","sentiment_score":-0.047548120841383934},{"text":"But 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you also check with them that on this so when they sent through the decision confirmation, it said that there was an ongoing","start":78.975,"end":86.895004,"sentiment":"neutral","sentiment_score":-0.016335396484161418}],"sentiment":"neutral","sentiment_score":-0.016335396484161418,"channel":1,"num_words":24,"start":78.975,"end":86.895004},{"sentences":[{"text":"Yes.","start":86.63,"end":87.13,"sentiment":"neutral","sentiment_score":-0.016743455082178116}],"sentiment":"neutral","sentiment_score":-0.016743455082178116,"channel":0,"num_words":1,"start":86.63,"end":87.13},{"sentences":[{"text":"claim form and then also the treating doctor statement, but there was no doctor statement attached.","start":86.895004,"end":92.04,"sentiment":"neutral","sentiment_score":-0.08729146374389529},{"text":"So I actually haven't done that.","start":92.04,"end":93.16,"sentiment":"neutral","sentiment_score":-0.23425045609474182},{"text":"So I don't want them to come back and 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website.","start":429.11,"end":429.77,"sentiment":"neutral","sentiment_score":0.18053504824638367}],"sentiment":"neutral","sentiment_score":0.18053504824638367,"channel":0,"num_words":2,"start":429.11,"end":429.77},{"sentences":[{"text":"get back to your big long list of emails, and, yeah, thanks for following up on all of that for me.","start":430.045,"end":434.045,"sentiment":"positive","sentiment_score":0.365514412522316},{"text":"I appreciate it.","start":434.045,"end":435.02502,"sentiment":"positive","sentiment_score":0.3869180579980214}],"sentiment":"positive","sentiment_score":0.3681898682067792,"channel":1,"num_words":24,"start":430.045,"end":435.02502},{"sentences":[{"text":"No.","start":435.44687,"end":435.6869,"sentiment":"neutral","sentiment_score":0.05058065056800842},{"text":"That's okay, my love.","start":435.6869,"end":436.64688,"sentiment":"neutral","sentiment_score":0.17186322435736656},{"text":"Anytime.","start":436.64688,"end":437.14688,"sentiment":"neutral","sentiment_score":0.1526302993297577}],"sentiment":"neutral","sentiment_score":0.14844397455453873,"channel":0,"num_words":6,"start":435.44687,"end":437.14688},{"sentences":[{"text":"Okay.","start":437.76694,"end":438.00696,"sentiment":"neutral","sentiment_score":0.2678152322769165},{"text":"Cool.","start":438.00696,"end":438.40695,"sentiment":"positive","sentiment_score":0.45719125866889954},{"text":"Enjoy the rest of your day and your weekend.","start":438.40695,"end":440.10693,"sentiment":"positive","sentiment_score":0.5936285720931159}],"sentiment":"positive","sentiment_score":0.5516057854348962,"channel":1,"num_words":11,"start":437.76694,"end":440.10693},{"sentences":[{"text":"I will try.","start":440.8069,"end":441.60687,"sentiment":"positive","sentiment_score":0.3561744689941406},{"text":"You too.","start":441.60687,"end":442.3469,"sentiment":"neutral","sentiment_score":0.13569997251033783}],"sentiment":"neutral","sentiment_score":0.2679846704006195,"channel":0,"num_words":5,"start":440.8069,"end":442.3469},{"sentences":[{"text":"You too.","start":442.71695,"end":443.28696,"sentiment":"neutral","sentiment_score":0.2508033514022827},{"text":"Bye.","start":443.28696,"end":443.78696,"sentiment":"neutral","sentiment_score":0.18577754497528076}],"sentiment":"neutral","sentiment_score":0.22912808259328207,"channel":1,"num_words":3,"start":442.71695,"end":443.78696},{"sentences":[{"text":"Bye.","start":444.4069,"end":444.9069,"sentiment":"neutral","sentiment_score":-0.08296682685613632}],"sentiment":"neutral","sentiment_score":-0.08296682685613632,"channel":0,"num_words":1,"start":444.4069,"end":444.9069}]},"summary":{"result":"success","short":"The customer and agent discuss payment schedules and insurance requirements, as well as changes to capital gains and negative gearing. They also discuss the process for assessing investment property and the importance of waiting a few months before booking in. valuation rules and regulations are currently in place, but valuation is done retrospectively based on sales figures. The conversation ends with the speaker thanking Hillary for following up on their emails."},"intents":{"segments":[{"text":"Your I next guess. month's payment, and then we'll be able to go from there and just keep Yep. rolling through. Yep.","start_word":14,"end_word":35,"intents":[{"intent":"Explain payment schedule","confidence_score":0.00037768093}]},{"text":"So more than likely, you'll get a payment by sort of Monday, Tuesday next week. Okay. Cool.","start_word":101,"end_word":117,"intents":[{"intent":"Confirm payment timeline","confidence_score":0.15866977}]},{"text":"So more than likely, you'll get a payment by sort of Monday, Tuesday next week. Okay. Cool. Easy.","start_word":101,"end_word":118,"intents":[{"intent":"Confirm payment agreement","confidence_score":0.0012693419}]},{"text":"Mate, we said you needed to do it, but you didn't do it. Nope.","start_word":274,"end_word":287,"intents":[{"intent":"Mention cancellation of payment","confidence_score":0.000004370844}]},{"text":"And I emailed Victoria and went I was confirming everything that is required, has been provided. Please let me know if anything further is required. And then they sent through and said, nope. Everything's everything's good. Good.","start_word":336,"end_word":372,"intents":[{"intent":"Contact victoria","confidence_score":0.0005042502}]},{"text":"I have actually a professional question if you don't mind me asking. Go for So you know how, like, the budget was introduced it. and with the budgetary intro introduction, there's been a bunch of changes to capital gains and Negative gearing negative and stuff. gearing.","start_word":440,"end_word":485,"intents":[{"intent":"Inquire about budget changes","confidence_score":0.031597715}]},{"text":"And it was stipulated that basically any, like, any property that was owned would be valued as of the July 1. If it's There's an been investment.","start_word":487,"end_word":513,"intents":[{"intent":"Ask about valuation of property","confidence_score":0.004883599}]},{"text":"So what'll happen is you can do it retrospectively when you go to sell the asset. So say you own it for another three years post one July next year, When you sell it, you Yep. just get a valuation done then that is retrospectively dated the 07/01/2027.","start_word":736,"end_word":783,"intents":[{"intent":"Evaluate valuations retrospectively","confidence_score":0.020066189}]},{"text":"We're literally I was talking to someone the other day, and they're like, we're getting phone calls with people that wanna book their bill for the July 1. And it's like, you better to wait anyway because if a sale happens on the June 30, we can count it. Whereas if we look at your property on the July 1, we probably won't know about that June 30 sale. No.","start_word":1124,"end_word":1193,"intents":[{"intent":"Book bill","confidence_score":0.2674583}]}]},"sentiments":{"segments":[{"text":"Hello. Hello. Hello. Hello. Hello. I don't know what happened then. But yes. Yeah. Your I next guess. month's payment, and then we'll be able to go from there and just keep Yep. rolling through. Yep. Too easy. Yep.","start_word":0,"end_word":38,"sentiment":"neutral","sentiment_score":0.06246893107891083},{"text":"Schedules are good. We And like I a good schedule.","start_word":39,"end_word":48,"sentiment":"positive","sentiment_score":0.46178117394447327},{"text":"yeah. Yeah. So you'll start you'll start getting your payments through on a regular schedule. It'll generally come within a few days of the end of your month cycle, which your monthly cycle's seven Yep. so the payments will just start coming through within a few days of that Yeah. rollover. Okay. So more than likely, you'll get a payment by sort of Monday, Tuesday next week. Okay. Cool. Easy. So they're And all it'll paid just in arrears then, like, a month in arrears, or are they because I remember you saying two in arrears, two in advance, or is it just all in arrears? it's all in arrears. Yep. You've been Easy. paid up currently until mid June. I take So this right now. yep. So now what you'll get paid for is basically paid up to the July 18, Yep. And that payment will come through, yeah, within it's generally within three to five days of that date. Like Yes. Yep. yeah.","start_word":49,"end_word":213,"sentiment":"neutral","sentiment_score":0.09317442029714584},{"text":"Cool. Fantastic.","start_word":214,"end_word":215,"sentiment":"positive","sentiment_score":0.5287893414497375},{"text":"Yes. Did you also check with them that on this so when they sent through the decision confirmation, it said that there was an ongoing Yes. claim form and then also the treating doctor statement, but there was no doctor statement attached. So I actually haven't done that. So I don't want them to come back and go. Mate, we said you needed to do it, but you didn't do it. Nope. Well, that said that everything's happy and everything's hunky dory and they haven't required anything else. So would Okay. you?","start_word":216,"end_word":307,"sentiment":"neutral","sentiment_score":-0.06657151132822037},{"text":"Perfect.","start_word":308,"end_word":308,"sentiment":"positive","sentiment_score":0.3539927899837494},{"text":"Let's not ask him. Pretty much. I They said that love everything's that. there. Yep.","start_word":309,"end_word":323,"sentiment":"neutral","sentiment_score":0.14613758027553558},{"text":"We sent it all through to them. They said happy days.","start_word":324,"end_word":334,"sentiment":"positive","sentiment_score":0.4191775918006897},{"text":"Yep. And I emailed Victoria and went I was confirming everything that is required, has been provided. Please let me know if anything further is required. And then they sent through and said, nope.","start_word":335,"end_word":368,"sentiment":"neutral","sentiment_score":0.19581514596939087},{"text":"Everything's everything's good. Good. So Fantastic. Yep.","start_word":369,"end_word":375,"sentiment":"positive","sentiment_score":0.5158487558364868},{"text":"Until I back.","start_word":376,"end_word":378,"sentiment":"neutral","sentiment_score":0.1683053821325302},{"text":"We love it. Love it. Love it. Love it.","start_word":379,"end_word":387,"sentiment":"positive","sentiment_score":0.5211265683174133},{"text":"Alright. I'm Okay. sometimes insurance do my head in. Like, I love them, and, generally, they're pretty okay to deal with. But I don't know. Maybe it's just been the last couple of months. They've all done my head in. Yeah. It's yeah. They can be a bit like that. Yes. Yeah. I have actually a professional question if you don't mind me asking. Go for So you know how, like, the budget was introduced it. and with the budgetary intro introduction, there's been a bunch of changes to capital gains and Negative gearing negative and stuff. gearing. Mhmm. And it was stipulated that basically any, like, any property that was owned would be valued as of the July 1. If it's There's an been investment. a bunch Yep. of Yeah. Yeah. Yeah. There was a Yep. bunch of questions we were sort of asking, like, internally about how they're actually gonna do that. And I I literally turned around, I was like, it's okay. Heron told White's gonna be real busy as a sort of a joke. And I was like, oh, next time I speak to Janine, I should should sort of ask whether, like, my joke is legitimate. Like, would because there's not really been any coverage on how they're doing it, whether it's just an estimated market value as at that date. Because No. It investment has to be property assigned for an evaluation. So, right. yeah, But, so like, like you that do now for capital gains. So say if you owned an investment, like, at the moment and yeah. you moved out of it Mhmm. And then you sold it in six months' time, you're meant to get a valuation as at the day you move out of it, and you start claiming it as an investment property. So Yeah. that that's all current rules and regulations. But when this other one comes in, it's not like there's gonna be, you know, 3,000 valuers running around Australia valuing every investment property on the first of July. That's not how it works. No. So what'll happen is you can do it retrospectively when you go to sell the asset. So say you own it for another three years post one July next year, When you sell it, you Yep. just get a valuation done then that is retrospectively dated the 07/01/2027. So we do them now. Like, I've done GST evaluations on the 07/01/2000. So, yeah, like, you just yep. We just go back into our database and look at the sales that were happening at that time and assess the value as if we were in the market at that time in our head. And then, yeah, Okay. produce a report. Okay.","start_word":388,"end_word":845,"sentiment":"neutral","sentiment_score":-0.013909374510129208},{"text":"That's cool.","start_word":846,"end_word":847,"sentiment":"positive","sentiment_score":0.43895941972732544},{"text":"Yeah. So I'll we were literally sort of joking about it and wondering, and I did I did throw out. I'm like, surely, it's it's just retrospective. Like, they can just look back. I'm like, because it makes no sense. There's no way that every single investment property can get assessed on that date. No. And then, yeah, we would because there's obviously been changes to any property pre '85 as well. So Yeah. that was kind of I was like, So oh, we often all of do the people reports that had that all that have multiple dates evaluation in them. So it could be, you know, they bought the property in year 2000, and then they moved out in 2005, and they moved back in 2009, then they moved out again in, you know, 2020, and so they need those at every day. So yeah. Yep. We can do all that. Yeah. Okay.","start_word":848,"end_word":1002,"sentiment":"neutral","sentiment_score":-0.030675595626235008},{"text":"Cool.","start_word":1003,"end_word":1003,"sentiment":"positive","sentiment_score":0.38890540599823},{"text":"So yeah. Funnel certificate. And then your No. accountant I guess yeah. We're often working with accountants to try and get the best results for everybody because no one wants to pay tax to the tax man. So we work Correct. within the bounds of the rules without stretching them too far to minimize tax. Yes. Hi. Yeah. Yeah. Hello. So there you go. Good to know. There's your answer. But, yes, no one needs to call up now and book us in for the July 1 next year. No. No.","start_word":1004,"end_word":1094,"sentiment":"neutral","sentiment_score":0.015515026564781483},{"text":"I imagine they would not do. I I was literally sitting there going that would be the silliest thing imaginable.","start_word":1095,"end_word":1114,"sentiment":"negative","sentiment_score":-0.3867191970348358},{"text":"Yep. It's happening already, though. Yep. Oh, seriously? Yeah. We're literally I was talking to someone the other day, and they're like, we're getting phone calls with people that wanna book their bill for the July 1. And it's like, you better to wait anyway because if a sale happens on the June 30, we can count it. Whereas if we look at your property on the July 1, we probably won't know about that June 30 sale. No. You won't So know about it. yeah. That won't be in the data. You're better off waiting and allow a Yep. couple of months to let all the property sales be posted and everything, and then Yep. That's it. go off full data not because otherwise, you'll be going off data from a month trial. So essentially, we'll be going off May data, not June data. Yeah. Which is fine if the market's not moving, but, yeah, it's not good when it is. Yes. Hi. Hello. So yeah. There you go. So that's the answer. Too easy.","start_word":1115,"end_word":1290,"sentiment":"neutral","sentiment_score":-0.0669776052236557},{"text":"I love it. I love it.","start_word":1291,"end_word":1296,"sentiment":"positive","sentiment_score":0.5771682262420654},{"text":"Hey, Hillary. Just So just leave well, me back to you the website.","start_word":1297,"end_word":1309,"sentiment":"neutral","sentiment_score":0.18836694955825808},{"text":"get back to your big long list of emails, and, yeah, thanks for following up on all of that for me. I appreciate it.","start_word":1310,"end_word":1333,"sentiment":"positive","sentiment_score":0.35357654094696045},{"text":"No. That's okay, my love. Anytime. Okay.","start_word":1334,"end_word":1340,"sentiment":"neutral","sentiment_score":0.16135744750499725},{"text":"Cool. Enjoy the rest of your day and your weekend. I will try.","start_word":1341,"end_word":1353,"sentiment":"positive","sentiment_score":0.5091556310653687},{"text":"You too. You too. Bye. Bye.","start_word":1354,"end_word":1359,"sentiment":"neutral","sentiment_score":0.16989271839459738}],"average":{"sentiment":"neutral","sentiment_score":0.028257312018007793}}}}