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Just With Carl being away today, I've decided to sort of jump on and go through this review with you guys. So forgive me for that. Sorry. Do you want me to call you back on your mobile and do a bit of loud speaker? What's easier? Hey, Misha. I'm doing fantastic. It's a beautiful cool day on the Gold Coast. What about where you guys are? Not too bad. Good rug up weather. Nice and sunny, I hope. Amazing. Amazing. I'm gonna go through and send you each an annual review pack. Are you okay to go through a quick security process with me before I go over any details? Amazing. Are you both okay for the call to be recorded? Perfect. Patrick, I'll start with yourself, mate. If you could please confirm your date of birth and address. Perfect. And, Misha, could I just confirm your date of birth, please? Perfect. And the same address? Perfect. So I'm gonna shoot this through to you guys now. Will you be able to look on to either email address with me today, or should I just walk you through what's there? Oh, yes. Perfect. Perfect. So what I might do is just for a bit of a a trick of IT here is I've got to send through your annual review packs to your email that's registered with Hub so it matches up with them, but I can definitely sort of forward the attachments as well. There isn't too much difference between the two, just the certificate of currency for your insurances. Is that okay just for today? Perfect. We've had a bit of a new system that we've set up over Christmas time, and so I've just been having a bit of fun splicing all of your details together and making sure it's correct. So I've got my three screens open with six documents. So if I do go quiet for a moment, I'm just navigating if that's alright. So I'll send the first one through to Patrick now, and that's your Hotmail address, mate. So you're getting a super insurance summary, performance report, your TAO certificate, and an updated financial services guide. So that should come through. Usually, first email comes through either to your main inbox or spam box just to do with filtering from the new system. But once that's done, all the rest of them should go through pretty quickly as well. Perfect. Did that come through straight away? So the attachments is for the review at the bottom, kind of like PDF attachments. That's what we'll go through together. If you're still comfortable with the services after that, that signature link is for the service agreement. Perfect. I've just shot through Misha's as well to her email address for the time being. Now as far as sort of talking on each other's behalf, that would normally be an external third party authority. Do you guys ever recall filling in and signing off on those? Perfect. So I will get that investigated in the background for you. It's not on the front dashboard, but I'll make sure we get, like, a tag applied to each of your files just to make sure that's up front. Alright. So leave that one with me. We'll go through the details together, and then I'll send you a text if it's not in place. Perfect. Perfect. Before I jump into any details, is there anything in particular you guys would like to get out of this review outside of the third party authority? I sure can. So I'll start there, actually, and then I'll go through and update your details. So with let's see who we've got first. We have Clearview policy for Misha, I believe, and you've got life disability and income protection. And for Patrick, you have a TAL policy, life TPD, and income protection. You're both insured for the same amounts of lump sum cover. It's just your income protection varies based on a percentage of your income. Alright. Now have you had any significant changes with work at the moment? Perfect. Perfect, sir. Awesome. That explains why the contributions weren't going in. I was looking at it, and I saw, like, a rollover, like, a little final rollover from rest. And I was like, oh, no. I hope they're not going back there. So that's perfect. And, Patrick, what about you? I'm just gonna bring up your income details. I think we had you on a 128,000 as an engineer. Cool. Yeah. Just kind of like gross salary, if you will, and the the 12 percent on top. Perfect. Perfect. Now when it comes into, like, the insurance side of things, we did have you with a relatively small mortgage, and the property was sitting sort of well over a million dollars, which I'm assuming probably has jumped up since we last spoke to you as well. Yep. 1.2. And we have 350,000 owing. Would that be under 300 now? Yeah. Which I think last time we checked was about $2.20 sitting in offset. Yeah. Yep. Yep. Awesome. Either or kinda works. I can kind of just minus off the the debt in quarter, an average 1 50, say, and just say you've kind of spent about 50 to 70 out of the savings, if that sounds accurate to you. Perfect. Perfect. And as far as other assets go, each had a car. I believe you both had car loans. Perfect. Congratulations. Clearing out a card debt is always lovely. Having those consumer loans can probably be the most painful in today's cost of living. That's for sure. So you've got the work car. The Volkswagen is paid off. Perfect. Do you guys have anything else in terms of assets or loans, any shares, crypto, personal loans, anything else? Perfect. So relatively straightforward. And I'm assuming your your priority is just to kind of finish off that mortgage. I was looking through some of the old goals from when you guys first came on board, and there was a really big focus around family. Yep. So you've just got the the two children still and a bit of a minor mortgage. Three. That's right. You're third, you did mention. Sorry. Third child. The family unit is done. I have my third due in June, and that's exactly right. Family unit will be done in a month's time. I'm very excited. How have all the kids been with the youngest sibling? Have they gotten well okay? Yes. Yeah. That's amazing. I think my my second got the gender reveal and had this little card with all the glitter popped out and just went, no. I don't want a sister. And I reckon, hopefully, they get along pretty well. It's one of those things that it might flip once they're born. Perfect. Perfect. So everything has been pretty stable. You're back to work soon. And, Pat, you're still with Rondo? Yep. Perfect. Outside of that, nothing crazy. A couple of other questions that are a little bit new for us is just have you guys ever gone through a debt agreement or bankruptcy before? So a debt agreement is called, like, a part nine. It's like a it's a fun kind of bankruptcy where you pay it off over time. Yeah. Have you ever gone through a a part nine before? Perfect. Perfect. Perfect. So that's all looking good. When I was talking about the insurances before, so with the little bit over the million in life insurance and disability, That obviously clears off your debt and leaves you with about 3 quarters of 1,000,000 to replace lost income of each other on top of your super as well. Now the pricing isn't too bad on the life and TPD. I think each policy for perhaps, like, just over $500 before the tax rebate out of super. For Misha, you're about. Yeah. Correct. So the life insurance for Tal is about 500. The TPD insurance for Tal is about $5.80, whereas, Misha, you're on around about $3.15, $3.42. So it's not too much coming out of the super there. I just wanted to check with you guys the amounts, though, because you have the situation you've got with the offsets and everything. Having that extra money to replace incomes, if you were to pass away or can never work again, does that sound like a how does a claim scenario kind of look for you guys? Debt's paid off. There's 3 quarter of $1,000,000 there. Is that good? Is that too much? Absolutely. And the way I kind of work it back in practical terms is let's say you've got your your super there. I'll I'll use Pat as an example. Mortgage is paid off. If you add your super and your insurance together, you sit there with a million dollars. You can then invest that potentially into your pension account if you were TPD'd and can never work again. And then you can pretty much live off of that all the way through to retirement. Put it in a conservative fund, generate $50,000 worth of interest out of it. If you lived off more than 50,000, you would slowly use it up over about thirty, forty years' time. So it can get you guys by, if that makes sense. And the main thing too is just look. When you get older, especially, like, late forties, early fifties, insurance premiums increase so quickly that it's just a matter of trimming it down as you pay off your mortgage. Perfect. Just when it comes to the income protection, so, Misha, you have a ninety day waiting period, which means you pretty much get by for a few months, then it kicks in monthly, and it'll pay you all the way up to the age of 65. So you're insured for $4,947 a month worth of cover. And if I work that back as a bit of a calculation, it's protecting an income of about $85,000 gross. So tiny bit above the 82 that we had you on previously. If you were to claim on it right now, they do kind of look back twelve months, and mat leave plays into it a little bit. But if you're about to go back to work, then that shouldn't be too much of a problem. Cool. Does that sound pretty close to what you will be earning? Usually includes a bit of super on top because I think we had your full salary package at over a 100,000, about 105. Yeah. The car allowance of about 12, super included. Okay. Perfect. 17 and a half. So worst case scenario, let's say that you, on paper, have 82,000 instead of 84, they would pay you 70% of the 82, if that makes sense. So it's just as long as there's not like a big discrepancy where you're over insured and paying too much for what you can't claim on, that's kind of the main thing. That shouldn't be too much of a problem for you. And for Patrick, just quickly working back your calculation, mate, because they do increase your cover gradually. It's a bit of an inflation protection. And at 70 percent, it's working out about a 116,000. Cool. And yours is a lot quicker. So you've got only a four week wait. So if you're off for a month, it'll kick in for up to five years. Cool. So premiums on that aren't looking too bad. It's not really holding the super back too much. It's mainly just a matter of getting some contributions rolling into Mitch's Fund again. And if it jumps up another 500 or a thousand, we can always kind of trim it, do a bit of shopping around. Perfect. Now I've got some performance reports sent through to you. I don't know if you can see that attachment for the hub twenty four twelve month performance. Can you see that one there? Perfect. Do you guys log in to your super every so often? Yep. Totally. Fair. Any thoughts or feelings on it so far from from your angle? Yeah. And then sitting today, three zero four, four 10. And I guess the, no, still many, many years to go. The way I would kind of describe it a little bit in terms of volatility is perhaps in a high growth. So call it a five out of five, trying to get the higher returns long term. So going from three twelve down to two eighty and then back up to $3.00 4 in the span of, like, two months, that's very normal for this type of situation. So and the more you build your balance up because it's all percentage based returns, you're gonna see a much larger dollar value swing up and down. So 10% up or down for you, which is the average for high growth, is, like, $30,000. Yep. The the returns themselves, though, it's it's a very strange kind of thing to see. Can you see that blue table there for that hub 20 '4 performance report? It should be the first page of that document, and it should just have a nice big performance title at the top left. And if you see that table, it's got a whole bunch of codes on the left. It's got, like, Ben and Long, beta global, beta robotics, all that kind of thing. Yep. So right hand side is the percentage returns for each option, and the page after that is your overall portfolio. So correct. So your total earnings, I guess, for the year, $40,000 in growth. I was actually pleasantly surprised because a lot of people I'm talking to at the moment, their super is kind of negative for the year or low single digits. So both of you guys have really high double digit returns so far. Correct. If you look back on that first page, if you look in the middle, like, it's it's pretty funny to see, but you had some battery tech and lithium, which is like your electronic vehicles, up a 118%, which is just ridiculous. Yeah. Well, that's one of those ones where we do we call it diversification because if we swung it all into one, it's gonna go up a 100, down 80, and your soup is gonna be all over the shop. Everything there is looking really, really strong. Like, this is actually the best returns I've seen all year for all of the Oakview clients. Most of it's between 27, 30%. You do have that one at the top, Bennelong, which is down 7.95. It's negative. Correct. Yep. So that's the only one out of the eight that have underperformed, and that's your Australian shares portion. So even though it's kind of gotten the fantastic return overall, that's one to look at possibly replacing. So one of those one of the things that we do is we flag it for twelve months. But just in this particular case, we've been doing some research on Ben long after Christmas time, and they've kind of been consistently underperforming the rest of the peer group in that Australian share space. So I would actually recommend if you're comfortable me just looking for a replacement option. Yep. It's kind of like I guess, the way I describe it is a bit of an engine tune up. Everything is going great, but the one thing kinda needs to be oiled. We don't need to rebuild the engine. Cool. I do have one question for you, and there's no wrong answer on this. It really is if you have a strong gut feeling either way. Do you have a preference between low fees or paying a bit more to try and get a higher return? Just any kind of gut leaning in either direction. So more so the investments. So for that Benelon option, I can replace it with a low fee index fund, which follows the market very closely. It has the lowest investment fees, or I can replace it with another active fund, which is a little bit more expensive, but tries to outperform that ASX two 100. Yep. Perfect. We have, I think, three options that we've been researching. So I I have a pretty good idea of what I'm gonna look at. I'll update your statement of advice and walk you through what that change looks like just to make sure you're comfortable before we change anything. Perfect. Now onto Misha's super. She's actually outperformed. Patrick's, You've had, just by sheer luck of the options that you're in, your growth funds, which is four out of five on the risk scale, has actually had, I'll give you today's figures, 18.45% net return after fees, which is the best one I've seen all year. So you didn't do anything wrong, Patrick. We didn't we didn't jip you on any options or anything like that. It's just the timing of when things came in for Misha was just perfect. Everything like, the Benelong option was still in there for her portfolio at a similar negative, but everything else like her battery techs up a 121%. Her gold's up a little more. Everything's just kind of inched a little bit better based on when it jumped in. So everything's looking perfect there too as well. You're in a slightly lower risk than Patrick. But, again, I do wanna just do that bit of a tune up on yours as well. Do you have a preference either way, Misha, between the low fees versus the active? That that's perfect. The option I'm thinking of is actually a tiny bit more affordable than Bennelong is, and the performance has been much stronger. So I'm gonna do a direct comparison and see if that's good to slot in. And if we need to rebalance anything else, I'll let you know, but it might just be the one. Perfect. Perfect. As far as estate planning goes, you both have your beneficiaries in place to each other, nonlapsing binding. I'm just gonna double check that all the details are correct. We've got Yes. Absolutely. I do have a fantastic bit of info for you today, which may help. So when people set up family trust while they're still alive, you tend to get a building of assets inside. So you build in a company, some properties, some investments, and then you tend to look at, like, income splitting between spouses and children, bring everybody in, and try and spread the wealth around and keep it in that bubble to avoid, you know, taxes and things like that. One thing you can do yeah. Well, speaking of that, because you'd be surprised what I see on a weekly basis in the industry with how this plays out. Not anything knocking pat there, but just what can happen. So the one thing that you can do which might be really powerful for you guys is a testamentary trust will. Have you heard of that before? Perfect. That was my next question. So if you go to a solicitor, again, how long is a piece of string depending on who you get and what you need, you do have the public trustee of every state does appointments for wills and power of attorneys as well. And if you really want to, you can get a $25 will kit from the post office, which is from the government as well, and that's probably the quickest and easiest. If all you're trying to do is make sure the property's noted down, bank accounts, shoes, cars, and so on. Now where the testamentary trust comes into it is if you pass away, a trust fund can be created, and then you can be a bit more specific about how income is distributed out to minor children until they're 18. You can kind of plan beyond the grave how the funds are used for them. Yeah. It's literally like a standard will, but then in the back end of that will, it actually triggers the creation of a trust fund. So that's probably the most powerful engine for family planning beyond just a spouse. It can kind of go a couple of levels in-depth. I've seen people do children and grandchildren and allocate funds all over the place. It's the best best way to do it because you don't have to pay for running a trust throughout your life. It literally clicks open at the end, and anything that gets moved into it, you're not paying capital gains tax to move it into the trust. Yeah. It's it does that type of effect where, let's say, you had investment properties. They could be because when you move it into a different name or a different entity, it's a triggering event for capital gains tax. So if you had investment property on top of your current property, the moment that goes to the children, it becomes a CGT event. The moment you move it into a trust, the same thing happens, but the testamentary trust bypasses that. And it can be moved you could build by three properties now, and all three of them upon your death can be moved into a trust without triggering that. So yeah. Exactly. Right. So it's really powerful the more assets that you get. Absolutely. So basic will to start with is always good? Yes. It's actually the same thing too when it comes to super. So let's say you, instead of nominating each other, decided to mix in your children. I've seen it all the time. Someone says half goes to my partner and 25% or however much goes between two or three children. The minor children, well, whoever's their guardian looks after and controls the money. That's step number one. So if there is breakdown of the family unit and you don't want that to happen, that's problem number one. But the moment they turn 18, they no longer count as a tax dependent. So they receive your super, your partner gets it tax free, and your 19 year old son or daughter, they cop 15 to 17% tax on the taxable portion. Yes. And that's the whole put it through the will and testamentary trusts and all that kind of thing. Oh, actually, how old would your eldest be? Seven in August. So you still have a while to worry about estate taxes. It's not too big of an issue. When it goes to dependent children and spouses, you're pretty well okay. But the older they get, once they start approaching 18, if you're wanting to provide for them financially, then you need to start looking at some other structures. Cool. Are you okay to leave each other on for the super at the moment? Perfect. And I'm just gonna double check on the life insurance. I can't actually see it on the certificate, but I'll double check it. I'm assuming you guys want that to be the same on the life insurance as well. Yep. K. Just bear in mind as well that life insurance can pretty much go anywhere. It doesn't have that similar restriction to super in terms of taxes. So if you did wanna split that differently, that's pretty easy to do. But I'll just double check that you guys are on there. Fishery. Cool. Any questions on that? I know I'm kind of just bombarding a bit of information there. Does that make sense? Perfect. So definitely get the will and the power of attorney sorted. Do you guys remember what the power of attorney does? That's the one. Yep. Bank accounts and doctors. Just avoid having to go to court for probate and all that kind of thing. Perfect. Perfect. So wills and power of attorney will sort, make sure the beneficiaries are in place. We'll update the super portfolios a little bit, and we'll kind of leave the insurance as is for the time being. Does that sound okay for you guys? Perfect. Is there anything else that's kind of a a major focus for you over the next three to five years goals wise? Mhmm. Okay. So I don't wanna kind of jump the gun too much with strategizing that, but your two options are either rent out your current house and borrow into a bigger home. That's one of the options. If you would like to as well, just consider this in the back of your mind that you don't have to keep the current house if you don't think it's gonna be a good rental because what tends to happen is people pile on the most debt onto their main mortgage, which is not deductible like an investment would be. So one of the tricks I've seen people do, and I've even done it myself, is actually sell off that current place, go into that upgraded home with much less debt, and then borrow big off of that into an investment property. So do a two step approach instead of a one step approach. Yeah. Gotcha. Uh-huh. Yeah. We're in the Gold Coast. So you think it might be a pretty good growth growth area for the value? Yeah. And when it comes to that serviceability discussion you had with your broker, were you on maternity leave at the time, or were you working full time when you checked that? Yep. And it still looked pretty rough. Yeah. Mhmm. Yeah. Yeah. They definitely have tightened the belts a little bit, and the serviceability is really rough because they do, like, bank valuations, and the rental estimates as well can be a bit rough, whereas it's really, really easy in Queensland, for example, to have that $800,000 house that rents for $8.50 a week, and it's a really good percentage, and it always kind of hits neutral or positively geared. But the moment you start talking about one or two properties in a million, if that's not renting for, like, 1,200 a week, 1,300 a week, 1,400 a week, the percentages start to throw it out of whack really heavily. Like, would you be able to rent it for more than 800 a week, do you think? Yeah. So a good rule of thumb that I do for rentals is the the nearest 100,000 versus the weekly amount. So 500,000, 500 a week, 800 thousand, 800 a week, that's your five percent rental return. Yeah. So anything 5% or above is a good yield, I guess I would say, if I had to use the buzzword for it. If you start going below 5%, it makes the the loan serviceability look really whack. Yeah. Yeah. And then they start adding on top the the home insurance, the rates, and then all of a sudden, it's like a thousand, 11 100 a week. Yeah. But, yeah, it's definitely an idea to consider. I'm not gonna sort of steer either direction. But if you were to, for example, get the home that you need for the family and then look elsewhere rather than just skipping from where you've lived, you've got buyers agents everywhere who are trying to sell properties in rural rural WA or Queensland with high yields. You've got different cities. You've got commercial property. You're not limited if you can kind of just detach the emotional side from the previous place and look abroad. But, yeah, and most people just hop from one to the other and invest behind them instead of actually saying, okay. Let's go to a new plateau, clean the base, and then build from there. So we do have one buyer's agent that we've been talking to towards the end of last year. When it comes time, I can kind of pass on his details to you. He used to be a financial planner, and now he specializes in finding properties around Australia, commercial and rural. There's heaps of them everywhere, though, and your broker may be out of help, but buyer's agents are getting more and more popular for that reason. Yep. But if you ever need to, yeah, I can absolutely pass on the details. I probably wouldn't do it right now until you're comfortably back at work and the budget's looking good and the family's stable, and then look at it. Yeah. Yep. And the last thing you want is interest rates to spike up even further, cost of living spike up, and then to have an issue where you don't get to rent the place out for a couple of months, and then all of a sudden you're in a risky position. Yeah. Does that sound alright? Perfect. The other question I had as well just to kinda cap things off is, do you guys ever wanna consider any type of personal investment, be it shares, managed fund, anything besides property as well down the line, or would you prefer to stick to the property and super route? Yeah. And it's one thing that, like, we do give that sort of range of advice. And I think the moment you get into the upgraded home for the family, that's gonna be a big focus for your cash flow for a number of years. And then if after that you wanna branch out, we're happy to go either direction, whatever kind of interest and is comfortable for you guys. The only example I would give is your like, your hub twenty four super as an example. You guys are actually linked together for family fee linking to reduce the fees. They also offer investment accounts, which are identical to your super account, and you can have them all linked up together and reduce the fees, and you can invest in anything you want, whether it's property, shares, fixed interest, build a portfolio that mimics your super. Maybe it's safer. You've pretty much got full flexibility there. So it's always an option if you wanna go that route, bit of a dip your toe in the water rather than borrowing a million dollars for a property. Cool. I always find it probably better to get the two properties first, though. Make sure the mortgage is nice and low, have your other asset next to you, and then look at, okay, maybe we'll start doing some cash flow into investing or something after that or even invest for the children as well. Is that something you guys might want to? No. You guys need to sort your own situations out first once that's stable. If you wanna kind of help them build a house deposit, we can look at that, but I'm thinking more like five to seven years down the line. Perfect. Do you guys have any other questions for me so far before I kind of wrap things up? Amazing. That document there does have your service agreements for the next twelve months. You should be on, and I wanna just double check on my system. You guys should be on the partnered fee discount of 1.1% rather than the usual 1.65. So I did wanna ask if you're still comfortable for us to look after the super. Cool. I'm just gonna have a quick double check. I don't want you to sign anything until I've double checked it just because I've shot out the two separate emails. So I just wanna make sure they're both correct. K. We've got Patrick. Now while I'm just pulling these two emails up, do you guys want me to put you in for any kind of quarterly contacts every six months, or would you prefer just to kind of go through that update with me in a couple of weeks and then leave it for the annual review? Yeah. Yep. No. That's perfect. I'll leave it for the annual review for now. If anything pops up, please just call through and book an appointment, and I'm happy to help out. Awesome, guys. I'll leave those two emails with you, and the team will probably call you in about a fortnight just to walk through those updated plans together. Thank you so much. Have a fantastic day. 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Patrick. It's Tommy here, senior adviser from. How are you doing today? Perfect. I was debating which phone number to call, so I'll just try 11.\n\nJust With Carl being away today, I've decided to sort of jump on and go through this review with you guys. So forgive me for that. Sorry. Do you want me to call you back on your mobile and do a bit of loud speaker? What's easier?\n\nHey, Misha. I'm doing fantastic. It's a beautiful cool day on the Gold Coast. What about where you guys are? Not too bad.\n\nGood rug up weather. Nice and sunny, I hope. Amazing. Amazing. I'm gonna go through and send you each an annual review pack.\n\nAre you okay to go through a quick security process with me before I go over any details? Amazing. Are you both okay for the call to be recorded? Perfect. Patrick, I'll start with yourself, mate.\n\nIf you could please confirm your date of birth and address. Perfect. And, Misha, could I just confirm your date of birth, please? Perfect. And the same address?\n\nPerfect. So I'm gonna shoot this through to you guys now. Will you be able to look on to either email address with me today, or should I just walk you through what's there? Oh, yes. Perfect.\n\nPerfect. So what I might do is just for a bit of a a trick of IT here is I've got to send through your annual review packs to your email that's registered with Hub so it matches up with them, but I can definitely sort of forward the attachments as well. There isn't too much difference between the two, just the certificate of currency for your insurances. Is that okay just for today? Perfect.\n\nWe've had a bit of a new system that we've set up over Christmas time, and so I've just been having a bit of fun splicing all of your details together and making sure it's correct. So I've got my three screens open with six documents. So if I do go quiet for a moment, I'm just navigating if that's alright. So I'll send the first one through to Patrick now, and that's your Hotmail address, mate. So you're getting a super insurance summary, performance report, your TAO certificate, and an updated financial services guide.\n\nSo that should come through. Usually, first email comes through either to your main inbox or spam box just to do with filtering from the new system. But once that's done, all the rest of them should go through pretty quickly as well. Perfect. Did that come through straight away?\n\nSo the attachments is for the review at the bottom, kind of like PDF attachments. That's what we'll go through together. If you're still comfortable with the services after that, that signature link is for the service agreement. Perfect. I've just shot through Misha's as well to her email address for the time being.\n\nNow as far as sort of talking on each other's behalf, that would normally be an external third party authority. Do you guys ever recall filling in and signing off on those? Perfect. So I will get that investigated in the background for you. It's not on the front dashboard, but I'll make sure we get, like, a tag applied to each of your files just to make sure that's up front.\n\nAlright. So leave that one with me. We'll go through the details together, and then I'll send you a text if it's not in place. Perfect. Perfect.\n\nBefore I jump into any details, is there anything in particular you guys would like to get out of this review outside of the third party authority? I sure can. So I'll start there, actually, and then I'll go through and update your details. So with let's see who we've got first. We have Clearview policy for Misha, I believe, and you've got life disability and income protection.\n\nAnd for Patrick, you have a TAL policy, life TPD, and income protection. You're both insured for the same amounts of lump sum cover. It's just your income protection varies based on a percentage of your income. Alright. Now have you had any significant changes with work at the moment?\n\nPerfect. Perfect, sir. Awesome. That explains why the contributions weren't going in. I was looking at it, and I saw, like, a rollover, like, a little final rollover from rest.\n\nAnd I was like, oh, no. I hope they're not going back there. So that's perfect. And, Patrick, what about you? I'm just gonna bring up your income details.\n\nI think we had you on a 128,000 as an engineer. Cool. Yeah. Just kind of like gross salary, if you will, and the the 12 percent on top. Perfect.\n\nPerfect. Now when it comes into, like, the insurance side of things, we did have you with a relatively small mortgage, and the property was sitting sort of well over a million dollars, which I'm assuming probably has jumped up since we last spoke to you as well. Yep. 1.2. And we have 350,000 owing.\n\nWould that be under 300 now? Yeah. Which I think last time we checked was about $2.20 sitting in offset. Yeah. Yep.\n\nYep. Awesome. Either or kinda works. I can kind of just minus off the the debt in quarter, an average 1 50, say, and just say you've kind of spent about 50 to 70 out of the savings, if that sounds accurate to you. Perfect.\n\nPerfect. And as far as other assets go, each had a car. I believe you both had car loans. Perfect. Congratulations.\n\nClearing out a card debt is always lovely. Having those consumer loans can probably be the most painful in today's cost of living. That's for sure. So you've got the work car. The Volkswagen is paid off.\n\nPerfect. Do you guys have anything else in terms of assets or loans, any shares, crypto, personal loans, anything else? Perfect. So relatively straightforward. And I'm assuming your your priority is just to kind of finish off that mortgage.\n\nI was looking through some of the old goals from when you guys first came on board, and there was a really big focus around family. Yep. So you've just got the the two children still and a bit of a minor mortgage. Three. That's right.\n\nYou're third, you did mention. Sorry. Third child. The family unit is done. I have my third due in June, and that's exactly right.\n\nFamily unit will be done in a month's time. I'm very excited. How have all the kids been with the youngest sibling? Have they gotten well okay? Yes.\n\nYeah. That's amazing. I think my my second got the gender reveal and had this little card with all the glitter popped out and just went, no. I don't want a sister. And I reckon, hopefully, they get along pretty well.\n\nIt's one of those things that it might flip once they're born. Perfect. Perfect. So everything has been pretty stable. You're back to work soon.\n\nAnd, Pat, you're still with Rondo? Yep. Perfect. Outside of that, nothing crazy. A couple of other questions that are a little bit new for us is just have you guys ever gone through a debt agreement or bankruptcy before?\n\nSo a debt agreement is called, like, a part nine. It's like a it's a fun kind of bankruptcy where you pay it off over time. Yeah. Have you ever gone through a a part nine before? Perfect.\n\nPerfect. Perfect. So that's all looking good. When I was talking about the insurances before, so with the little bit over the million in life insurance and disability, That obviously clears off your debt and leaves you with about 3 quarters of 1,000,000 to replace lost income of each other on top of your super as well. Now the pricing isn't too bad on the life and TPD.\n\nI think each policy for perhaps, like, just over $500 before the tax rebate out of super. For Misha, you're about. Yeah. Correct. So the life insurance for Tal is about 500.\n\nThe TPD insurance for Tal is about $5.80, whereas, Misha, you're on around about $3.15, $3.42. So it's not too much coming out of the super there. I just wanted to check with you guys the amounts, though, because you have the situation you've got with the offsets and everything. Having that extra money to replace incomes, if you were to pass away or can never work again, does that sound like a how does a claim scenario kind of look for you guys? Debt's paid off.\n\nThere's 3 quarter of $1,000,000 there. Is that good? Is that too much? Absolutely. And the way I kind of work it back in practical terms is let's say you've got your your super there.\n\nI'll I'll use Pat as an example. Mortgage is paid off. If you add your super and your insurance together, you sit there with a million dollars. You can then invest that potentially into your pension account if you were TPD'd and can never work again. And then you can pretty much live off of that all the way through to retirement.\n\nPut it in a conservative fund, generate $50,000 worth of interest out of it. If you lived off more than 50,000, you would slowly use it up over about thirty, forty years' time. So it can get you guys by, if that makes sense. And the main thing too is just look. When you get older, especially, like, late forties, early fifties, insurance premiums increase so quickly that it's just a matter of trimming it down as you pay off your mortgage.\n\nPerfect. Just when it comes to the income protection, so, Misha, you have a ninety day waiting period, which means you pretty much get by for a few months, then it kicks in monthly, and it'll pay you all the way up to the age of 65. So you're insured for $4,947 a month worth of cover. And if I work that back as a bit of a calculation, it's protecting an income of about $85,000 gross. So tiny bit above the 82 that we had you on previously.\n\nIf you were to claim on it right now, they do kind of look back twelve months, and mat leave plays into it a little bit. But if you're about to go back to work, then that shouldn't be too much of a problem. Cool. Does that sound pretty close to what you will be earning? Usually includes a bit of super on top because I think we had your full salary package at over a 100,000, about 105.\n\nYeah. The car allowance of about 12, super included. Okay. Perfect. 17 and a half.\n\nSo worst case scenario, let's say that you, on paper, have 82,000 instead of 84, they would pay you 70% of the 82, if that makes sense. So it's just as long as there's not like a big discrepancy where you're over insured and paying too much for what you can't claim on, that's kind of the main thing. That shouldn't be too much of a problem for you. And for Patrick, just quickly working back your calculation, mate, because they do increase your cover gradually. It's a bit of an inflation protection.\n\nAnd at 70 percent, it's working out about a 116,000. Cool. And yours is a lot quicker. So you've got only a four week wait. So if you're off for a month, it'll kick in for up to five years.\n\nCool. So premiums on that aren't looking too bad. It's not really holding the super back too much. It's mainly just a matter of getting some contributions rolling into Mitch's Fund again. And if it jumps up another 500 or a thousand, we can always kind of trim it, do a bit of shopping around.\n\nPerfect. Now I've got some performance reports sent through to you. I don't know if you can see that attachment for the hub twenty four twelve month performance. Can you see that one there? Perfect.\n\nDo you guys log in to your super every so often? Yep. Totally. Fair. Any thoughts or feelings on it so far from from your angle?\n\nYeah. And then sitting today, three zero four, four 10. And I guess the, no, still many, many years to go. The way I would kind of describe it a little bit in terms of volatility is perhaps in a high growth. So call it a five out of five, trying to get the higher returns long term.\n\nSo going from three twelve down to two eighty and then back up to $3.00 4 in the span of, like, two months, that's very normal for this type of situation. So and the more you build your balance up because it's all percentage based returns, you're gonna see a much larger dollar value swing up and down. So 10% up or down for you, which is the average for high growth, is, like, $30,000. Yep. The the returns themselves, though, it's it's a very strange kind of thing to see.\n\nCan you see that blue table there for that hub 20 '4 performance report? It should be the first page of that document, and it should just have a nice big performance title at the top left. And if you see that table, it's got a whole bunch of codes on the left. It's got, like, Ben and Long, beta global, beta robotics, all that kind of thing. Yep.\n\nSo right hand side is the percentage returns for each option, and the page after that is your overall portfolio. So correct. So your total earnings, I guess, for the year, $40,000 in growth. I was actually pleasantly surprised because a lot of people I'm talking to at the moment, their super is kind of negative for the year or low single digits. So both of you guys have really high double digit returns so far.\n\nCorrect. If you look back on that first page, if you look in the middle, like, it's it's pretty funny to see, but you had some battery tech and lithium, which is like your electronic vehicles, up a 118%, which is just ridiculous. Yeah. Well, that's one of those ones where we do we call it diversification because if we swung it all into one, it's gonna go up a 100, down 80, and your soup is gonna be all over the shop. Everything there is looking really, really strong.\n\nLike, this is actually the best returns I've seen all year for all of the Oakview clients. Most of it's between 27, 30%. You do have that one at the top, Bennelong, which is down 7.95. It's negative. Correct.\n\nYep. So that's the only one out of the eight that have underperformed, and that's your Australian shares portion. So even though it's kind of gotten the fantastic return overall, that's one to look at possibly replacing. So one of those one of the things that we do is we flag it for twelve months. But just in this particular case, we've been doing some research on Ben long after Christmas time, and they've kind of been consistently underperforming the rest of the peer group in that Australian share space.\n\nSo I would actually recommend if you're comfortable me just looking for a replacement option. Yep. It's kind of like I guess, the way I describe it is a bit of an engine tune up. Everything is going great, but the one thing kinda needs to be oiled. We don't need to rebuild the engine.\n\nCool. I do have one question for you, and there's no wrong answer on this. It really is if you have a strong gut feeling either way. Do you have a preference between low fees or paying a bit more to try and get a higher return? Just any kind of gut leaning in either direction.\n\nSo more so the investments. So for that Benelon option, I can replace it with a low fee index fund, which follows the market very closely. It has the lowest investment fees, or I can replace it with another active fund, which is a little bit more expensive, but tries to outperform that ASX two 100. Yep. Perfect.\n\nWe have, I think, three options that we've been researching. So I I have a pretty good idea of what I'm gonna look at. I'll update your statement of advice and walk you through what that change looks like just to make sure you're comfortable before we change anything. Perfect. Now onto Misha's super.\n\nShe's actually outperformed. Patrick's, You've had, just by sheer luck of the options that you're in, your growth funds, which is four out of five on the risk scale, has actually had, I'll give you today's figures, 18.45% net return after fees, which is the best one I've seen all year. So you didn't do anything wrong, Patrick. We didn't we didn't jip you on any options or anything like that. It's just the timing of when things came in for Misha was just perfect.\n\nEverything like, the Benelong option was still in there for her portfolio at a similar negative, but everything else like her battery techs up a 121%. Her gold's up a little more. Everything's just kind of inched a little bit better based on when it jumped in. So everything's looking perfect there too as well. You're in a slightly lower risk than Patrick.\n\nBut, again, I do wanna just do that bit of a tune up on yours as well. Do you have a preference either way, Misha, between the low fees versus the active? That that's perfect. The option I'm thinking of is actually a tiny bit more affordable than Bennelong is, and the performance has been much stronger. So I'm gonna do a direct comparison and see if that's good to slot in.\n\nAnd if we need to rebalance anything else, I'll let you know, but it might just be the one. Perfect. Perfect. As far as estate planning goes, you both have your beneficiaries in place to each other, nonlapsing binding. I'm just gonna double check that all the details are correct.\n\nWe've got Yes. Absolutely. I do have a fantastic bit of info for you today, which may help. So when people set up family trust while they're still alive, you tend to get a building of assets inside. So you build in a company, some properties, some investments, and then you tend to look at, like, income splitting between spouses and children, bring everybody in, and try and spread the wealth around and keep it in that bubble to avoid, you know, taxes and things like that.\n\nOne thing you can do yeah. Well, speaking of that, because you'd be surprised what I see on a weekly basis in the industry with how this plays out. Not anything knocking pat there, but just what can happen. So the one thing that you can do which might be really powerful for you guys is a testamentary trust will. Have you heard of that before?\n\nPerfect. That was my next question. So if you go to a solicitor, again, how long is a piece of string depending on who you get and what you need, you do have the public trustee of every state does appointments for wills and power of attorneys as well. And if you really want to, you can get a $25 will kit from the post office, which is from the government as well, and that's probably the quickest and easiest. If all you're trying to do is make sure the property's noted down, bank accounts, shoes, cars, and so on.\n\nNow where the testamentary trust comes into it is if you pass away, a trust fund can be created, and then you can be a bit more specific about how income is distributed out to minor children until they're 18. You can kind of plan beyond the grave how the funds are used for them. Yeah. It's literally like a standard will, but then in the back end of that will, it actually triggers the creation of a trust fund. So that's probably the most powerful engine for family planning beyond just a spouse.\n\nIt can kind of go a couple of levels in-depth. I've seen people do children and grandchildren and allocate funds all over the place. It's the best best way to do it because you don't have to pay for running a trust throughout your life. It literally clicks open at the end, and anything that gets moved into it, you're not paying capital gains tax to move it into the trust. Yeah.\n\nIt's it does that type of effect where, let's say, you had investment properties. They could be because when you move it into a different name or a different entity, it's a triggering event for capital gains tax. So if you had investment property on top of your current property, the moment that goes to the children, it becomes a CGT event. The moment you move it into a trust, the same thing happens, but the testamentary trust bypasses that. And it can be moved you could build by three properties now, and all three of them upon your death can be moved into a trust without triggering that.\n\nSo yeah. Exactly. Right. So it's really powerful the more assets that you get. Absolutely.\n\nSo basic will to start with is always good? Yes. It's actually the same thing too when it comes to super. So let's say you, instead of nominating each other, decided to mix in your children. I've seen it all the time.\n\nSomeone says half goes to my partner and 25% or however much goes between two or three children. The minor children, well, whoever's their guardian looks after and controls the money. That's step number one. So if there is breakdown of the family unit and you don't want that to happen, that's problem number one. But the moment they turn 18, they no longer count as a tax dependent.\n\nSo they receive your super, your partner gets it tax free, and your 19 year old son or daughter, they cop 15 to 17% tax on the taxable portion. Yes. And that's the whole put it through the will and testamentary trusts and all that kind of thing. Oh, actually, how old would your eldest be? Seven in August.\n\nSo you still have a while to worry about estate taxes. It's not too big of an issue. When it goes to dependent children and spouses, you're pretty well okay. But the older they get, once they start approaching 18, if you're wanting to provide for them financially, then you need to start looking at some other structures. Cool.\n\nAre you okay to leave each other on for the super at the moment? Perfect. And I'm just gonna double check on the life insurance. I can't actually see it on the certificate, but I'll double check it. I'm assuming you guys want that to be the same on the life insurance as well.\n\nYep. K. Just bear in mind as well that life insurance can pretty much go anywhere. It doesn't have that similar restriction to super in terms of taxes. So if you did wanna split that differently, that's pretty easy to do.\n\nBut I'll just double check that you guys are on there. Fishery. Cool. Any questions on that? I know I'm kind of just bombarding a bit of information there.\n\nDoes that make sense? Perfect. So definitely get the will and the power of attorney sorted. Do you guys remember what the power of attorney does? That's the one.\n\nYep. Bank accounts and doctors. Just avoid having to go to court for probate and all that kind of thing. Perfect. Perfect.\n\nSo wills and power of attorney will sort, make sure the beneficiaries are in place. We'll update the super portfolios a little bit, and we'll kind of leave the insurance as is for the time being. Does that sound okay for you guys? Perfect. Is there anything else that's kind of a a major focus for you over the next three to five years goals wise?\n\nMhmm. Okay. So I don't wanna kind of jump the gun too much with strategizing that, but your two options are either rent out your current house and borrow into a bigger home. That's one of the options. If you would like to as well, just consider this in the back of your mind that you don't have to keep the current house if you don't think it's gonna be a good rental because what tends to happen is people pile on the most debt onto their main mortgage, which is not deductible like an investment would be.\n\nSo one of the tricks I've seen people do, and I've even done it myself, is actually sell off that current place, go into that upgraded home with much less debt, and then borrow big off of that into an investment property. So do a two step approach instead of a one step approach. Yeah. Gotcha. Uh-huh.\n\nYeah. We're in the Gold Coast. So you think it might be a pretty good growth growth area for the value? Yeah. And when it comes to that serviceability discussion you had with your broker, were you on maternity leave at the time, or were you working full time when you checked that?\n\nYep. And it still looked pretty rough. Yeah. Mhmm. Yeah.\n\nYeah. They definitely have tightened the belts a little bit, and the serviceability is really rough because they do, like, bank valuations, and the rental estimates as well can be a bit rough, whereas it's really, really easy in Queensland, for example, to have that $800,000 house that rents for $8.50 a week, and it's a really good percentage, and it always kind of hits neutral or positively geared. But the moment you start talking about one or two properties in a million, if that's not renting for, like, 1,200 a week, 1,300 a week, 1,400 a week, the percentages start to throw it out of whack really heavily. Like, would you be able to rent it for more than 800 a week, do you think? Yeah.\n\nSo a good rule of thumb that I do for rentals is the the nearest 100,000 versus the weekly amount. So 500,000, 500 a week, 800 thousand, 800 a week, that's your five percent rental return. Yeah. So anything 5% or above is a good yield, I guess I would say, if I had to use the buzzword for it. If you start going below 5%, it makes the the loan serviceability look really whack.\n\nYeah. Yeah. And then they start adding on top the the home insurance, the rates, and then all of a sudden, it's like a thousand, 11 100 a week. Yeah. But, yeah, it's definitely an idea to consider.\n\nI'm not gonna sort of steer either direction. But if you were to, for example, get the home that you need for the family and then look elsewhere rather than just skipping from where you've lived, you've got buyers agents everywhere who are trying to sell properties in rural rural WA or Queensland with high yields. You've got different cities. You've got commercial property. You're not limited if you can kind of just detach the emotional side from the previous place and look abroad.\n\nBut, yeah, and most people just hop from one to the other and invest behind them instead of actually saying, okay. Let's go to a new plateau, clean the base, and then build from there. So we do have one buyer's agent that we've been talking to towards the end of last year. When it comes time, I can kind of pass on his details to you. He used to be a financial planner, and now he specializes in finding properties around Australia, commercial and rural.\n\nThere's heaps of them everywhere, though, and your broker may be out of help, but buyer's agents are getting more and more popular for that reason. Yep. But if you ever need to, yeah, I can absolutely pass on the details. I probably wouldn't do it right now until you're comfortably back at work and the budget's looking good and the family's stable, and then look at it. Yeah.\n\nYep. And the last thing you want is interest rates to spike up even further, cost of living spike up, and then to have an issue where you don't get to rent the place out for a couple of months, and then all of a sudden you're in a risky position. Yeah. Does that sound alright? Perfect.\n\nThe other question I had as well just to kinda cap things off is, do you guys ever wanna consider any type of personal investment, be it shares, managed fund, anything besides property as well down the line, or would you prefer to stick to the property and super route? Yeah. And it's one thing that, like, we do give that sort of range of advice. And I think the moment you get into the upgraded home for the family, that's gonna be a big focus for your cash flow for a number of years. And then if after that you wanna branch out, we're happy to go either direction, whatever kind of interest and is comfortable for you guys.\n\nThe only example I would give is your like, your hub twenty four super as an example. You guys are actually linked together for family fee linking to reduce the fees. They also offer investment accounts, which are identical to your super account, and you can have them all linked up together and reduce the fees, and you can invest in anything you want, whether it's property, shares, fixed interest, build a portfolio that mimics your super. Maybe it's safer. You've pretty much got full flexibility there.\n\nSo it's always an option if you wanna go that route, bit of a dip your toe in the water rather than borrowing a million dollars for a property. Cool. I always find it probably better to get the two properties first, though. Make sure the mortgage is nice and low, have your other asset next to you, and then look at, okay, maybe we'll start doing some cash flow into investing or something after that or even invest for the children as well. Is that something you guys might want to?\n\nNo. You guys need to sort your own situations out first once that's stable. If you wanna kind of help them build a house deposit, we can look at that, but I'm thinking more like five to seven years down the line. Perfect. Do you guys have any other questions for me so far before I kind of wrap things up?\n\nAmazing. That document there does have your service agreements for the next twelve months. You should be on, and I wanna just double check on my system. You guys should be on the partnered fee discount of 1.1% rather than the usual 1.65. So I did wanna ask if you're still comfortable for us to look after the super.\n\nCool. I'm just gonna have a quick double check. I don't want you to sign anything until I've double checked it just because I've shot out the two separate emails. So I just wanna make sure they're both correct. K.\n\nWe've got Patrick. Now while I'm just pulling these two emails up, do you guys want me to put you in for any kind of quarterly contacts every six months, or would you prefer just to kind of go through that update with me in a couple of weeks and then leave it for the annual review? Yeah. Yep. No.\n\nThat's perfect. I'll leave it for the annual review for now. If anything pops up, please just call through and book an appointment, and I'm happy to help out. Awesome, guys. I'll leave those two emails with you, and the team will probably call you in about a fortnight just to walk through those updated plans together.\n\nThank you so much. Have a fantastic day. Bye.","paragraphs":[{"sentences":[{"text":"Hey, Patrick.","start":3.28,"end":4.08,"sentiment":"neutral","sentiment_score":0.10868998989462852},{"text":"It's Tommy here, senior adviser from.","start":4.08,"end":6.08,"sentiment":"neutral","sentiment_score":0.14517024407784143},{"text":"How are you doing today?","start":6.08,"end":7.14,"sentiment":"neutral","sentiment_score":0.20232244729995727},{"text":"Perfect.","start":15.295,"end":15.795,"sentiment":"positive","sentiment_score":0.504547119140625},{"text":"I was debating which phone number to call, so I'll just try 11.","start":15.935,"end":21.635,"sentiment":"neutral","sentiment_score":0.04331832848346004}],"sentiment":"neutral","sentiment_score":0.11732218778450731,"num_words":27,"start":3.28,"end":21.635},{"sentences":[{"text":"Just With Carl being away today, I've decided to sort of jump on and go through this review with you guys.","start":22.255001,"end":27.06,"sentiment":"neutral","sentiment_score":-0.08708060532808304},{"text":"So forgive me for that.","start":27.06,"end":28.1,"sentiment":"neutral","sentiment_score":-0.3240449130535126},{"text":"Sorry.","start":28.1,"end":28.6,"sentiment":"neutral","sentiment_score":-0.1545615196228027},{"text":"Do you want me to call you back on your mobile and do a bit of loud speaker?","start":29.78,"end":33.06,"sentiment":"neutral","sentiment_score":-0.10732968089481194},{"text":"What's easier?","start":33.06,"end":33.88,"sentiment":"neutral","sentiment_score":-0.08103237301111221}],"sentiment":"neutral","sentiment_score":-0.12122293189167976,"num_words":47,"start":22.255001,"end":33.88},{"sentences":[{"text":"Hey, Misha.","start":37.940002,"end":38.5,"sentiment":"neutral","sentiment_score":0.32816213369369507},{"text":"I'm doing fantastic.","start":38.5,"end":39.48,"sentiment":"positive","sentiment_score":0.7374023596445719},{"text":"It's a beautiful cool day on the Gold Coast.","start":39.875,"end":41.954998,"sentiment":"positive","sentiment_score":0.7013236814075046},{"text":"What about where you guys are?","start":41.954998,"end":43.734997,"sentiment":"neutral","sentiment_score":0.1088980467369159},{"text":"Not too bad.","start":46.675,"end":47.394997,"sentiment":"neutral","sentiment_score":0.2500891735156377}],"sentiment":"positive","sentiment_score":0.46017827304161113,"num_words":23,"start":37.940002,"end":47.394997},{"sentences":[{"text":"Good rug up weather.","start":47.394997,"end":48.354996,"sentiment":"positive","sentiment_score":0.45770831406116486},{"text":"Nice and sunny, I hope.","start":48.354996,"end":49.655,"sentiment":"positive","sentiment_score":0.5466217160224914},{"text":"Amazing.","start":51.795,"end":52.274998,"sentiment":"positive","sentiment_score":0.542496919631958},{"text":"Amazing.","start":52.274998,"end":52.774998,"sentiment":"positive","sentiment_score":0.6094581484794617},{"text":"I'm gonna go through and send you each an annual review pack.","start":54.59,"end":58.370003,"sentiment":"positive","sentiment_score":0.3574115186929703}],"sentiment":"positive","sentiment_score":0.4349928316862687,"num_words":23,"start":47.394997,"end":58.370003},{"sentences":[{"text":"Are you okay to go through a quick security process with me before I go over any details?","start":58.43,"end":63.65,"sentiment":"neutral","sentiment_score":0.12236874509188864},{"text":"Amazing.","start":65.79,"end":66.29,"sentiment":"positive","sentiment_score":0.3562551736831665},{"text":"Are you both okay for the call to be recorded?","start":66.91,"end":69.01,"sentiment":"neutral","sentiment_score":0.11010782942175865},{"text":"Perfect.","start":71.064995,"end":71.564995,"sentiment":"neutral","sentiment_score":0.29203543066978455},{"text":"Patrick, I'll start with yourself, mate.","start":72.185,"end":73.784996,"sentiment":"neutral","sentiment_score":0.15005086983243623}],"sentiment":"neutral","sentiment_score":0.13478643136719862,"num_words":36,"start":58.43,"end":73.784996},{"sentences":[{"text":"If you could please confirm your date of birth and address.","start":73.784996,"end":76.525,"sentiment":"neutral","sentiment_score":0.07992919432845982},{"text":"Perfect.","start":88.439995,"end":88.92,"sentiment":"neutral","sentiment_score":0.222621351480484},{"text":"And, Misha, could I just confirm your date of birth, please?","start":88.92,"end":91.58,"sentiment":"neutral","sentiment_score":0.05005830323154276},{"text":"Perfect.","start":94.935,"end":95.255,"sentiment":"neutral","sentiment_score":0.11641041934490204},{"text":"And the same address?","start":95.255,"end":96.314995,"sentiment":"neutral","sentiment_score":0.04453940503299236}],"sentiment":"neutral","sentiment_score":0.06953756657562085,"num_words":28,"start":73.784996,"end":96.314995},{"sentences":[{"text":"Perfect.","start":97.975,"end":98.475,"sentiment":"neutral","sentiment_score":0.29597756266593933},{"text":"So I'm gonna shoot this through to you guys now.","start":98.774994,"end":101.09499,"sentiment":"neutral","sentiment_score":0.15322438701987268},{"text":"Will you be able to look on to either email address with me today, or should I just walk you through what's there?","start":101.09499,"end":106.314995,"sentiment":"neutral","sentiment_score":0.07816813384061275},{"text":"Oh, yes.","start":121.435,"end":122.174995,"sentiment":"neutral","sentiment_score":0.07361998036503792},{"text":"Perfect.","start":125.115,"end":125.515,"sentiment":"positive","sentiment_score":0.7029448747634888}],"sentiment":"neutral","sentiment_score":0.12098036072141416,"num_words":37,"start":97.975,"end":125.515},{"sentences":[{"text":"Perfect.","start":125.515,"end":125.994995,"sentiment":"positive","sentiment_score":0.6277636289596558},{"text":"So what I might do is just for a bit of a a trick of IT here is I've got to send through your annual review packs to your email that's registered with Hub so it matches up with them, but I can definitely sort of forward the attachments as well.","start":125.994995,"end":143.55,"sentiment":"neutral","sentiment_score":0.1678200222405733},{"text":"There isn't too much difference between the two, just the certificate of currency for your insurances.","start":143.55,"end":149.265,"sentiment":"neutral","sentiment_score":0.049313205177895725},{"text":"Is that okay just for today?","start":150.765,"end":152.305,"sentiment":"neutral","sentiment_score":0.13862493385871252},{"text":"Perfect.","start":153.805,"end":154.305,"sentiment":"positive","sentiment_score":0.5153734683990479}],"sentiment":"neutral","sentiment_score":0.15096958823502063,"num_words":75,"start":125.515,"end":154.305},{"sentences":[{"text":"We've had a bit of a new system that we've set up over Christmas time, and so I've just been having a bit of fun splicing all of your details together and making sure it's correct.","start":154.685,"end":164.33,"sentiment":"positive","sentiment_score":0.361635263181395},{"text":"So I've got my three screens open with six documents.","start":164.33,"end":167.07,"sentiment":"neutral","sentiment_score":0.10839223638176917},{"text":"So if I do go quiet for a moment, I'm just navigating if that's alright.","start":167.85,"end":171.79001,"sentiment":"neutral","sentiment_score":0.07617412209510803},{"text":"So I'll send the first one through to Patrick now, and that's your Hotmail address, mate.","start":173.625,"end":178.765,"sentiment":"neutral","sentiment_score":0.16872556693851948},{"text":"So you're getting a super insurance summary, performance report, your TAO certificate, and an updated financial services guide.","start":181.065,"end":189.77,"sentiment":"neutral","sentiment_score":0.26577180210087037}],"sentiment":"neutral","sentiment_score":0.2392516334590159,"num_words":95,"start":154.685,"end":189.77},{"sentences":[{"text":"So that should come through.","start":189.77,"end":191.07,"sentiment":"positive","sentiment_score":0.3399193108081818},{"text":"Usually, first email comes through either to your main inbox or spam box just to do with filtering from the new system.","start":191.69,"end":197.77,"sentiment":"neutral","sentiment_score":0.1668516085906462},{"text":"But once that's done, all the rest of them should go through pretty quickly as well.","start":197.77,"end":201.675,"sentiment":"positive","sentiment_score":0.3361917184665799},{"text":"Perfect.","start":204.315,"end":204.63501,"sentiment":"positive","sentiment_score":0.4918523728847504},{"text":"Did that come through straight away?","start":204.63501,"end":206.015,"sentiment":"positive","sentiment_score":0.4055938869714737}],"sentiment":"neutral","sentiment_score":0.27349630266427993,"num_words":50,"start":189.77,"end":206.015},{"sentences":[{"text":"So the attachments is for the review at the bottom, kind of like PDF attachments.","start":222.25,"end":226.51001,"sentiment":"neutral","sentiment_score":0.041149184480309485},{"text":"That's what we'll go through together.","start":226.73,"end":228.35,"sentiment":"neutral","sentiment_score":0.1137550709148248},{"text":"If you're still comfortable with the services after that, that signature link is for the service agreement.","start":228.635,"end":233.055,"sentiment":"neutral","sentiment_score":0.22595274536048665},{"text":"Perfect.","start":234.95499,"end":235.45499,"sentiment":"positive","sentiment_score":0.6602610349655151},{"text":"I've just shot through Misha's as well to her email address for the time being.","start":235.75499,"end":240.075,"sentiment":"positive","sentiment_score":0.3583408534526825}],"sentiment":"neutral","sentiment_score":0.20696923519588178,"num_words":54,"start":222.25,"end":240.075},{"sentences":[{"text":"Now as far as sort of talking on each other's behalf, that would normally be an external third party authority.","start":240.075,"end":247.15999,"sentiment":"neutral","sentiment_score":0.016899604815989733},{"text":"Do you guys ever recall filling in and signing off on those?","start":247.54,"end":251.15999,"sentiment":"neutral","sentiment_score":0.01318211496497194},{"text":"Perfect.","start":266.995,"end":267.475,"sentiment":"neutral","sentiment_score":0.32730042934417725},{"text":"So I will get that investigated in the background for you.","start":267.475,"end":271.43997,"sentiment":"neutral","sentiment_score":0.18072658912702042},{"text":"It's not on the front dashboard, but I'll make sure we get, like, a tag applied to each of your files just to make sure that's up front.","start":271.43997,"end":279.46,"sentiment":"neutral","sentiment_score":0.053721987775393894}],"sentiment":"neutral","sentiment_score":0.059940083935442895,"num_words":72,"start":240.075,"end":279.46},{"sentences":[{"text":"Alright.","start":281.375,"end":281.775,"sentiment":"neutral","sentiment_score":0.08156725764274597},{"text":"So leave that one with me.","start":281.775,"end":283.555,"sentiment":"neutral","sentiment_score":0.07136301013330619},{"text":"We'll go through the details together, and then I'll send you a text if it's not in place.","start":283.695,"end":288.115,"sentiment":"neutral","sentiment_score":0.06672867015004158},{"text":"Perfect.","start":290.335,"end":290.735,"sentiment":"positive","sentiment_score":0.36627668142318726},{"text":"Perfect.","start":290.735,"end":291.235,"sentiment":"neutral","sentiment_score":0.28566062450408936}],"sentiment":"neutral","sentiment_score":0.0875110624840966,"num_words":27,"start":281.375,"end":291.235},{"sentences":[{"text":"Before I jump into any details, is there anything in particular you guys would like to get out of this review outside of the third party authority?","start":292.015,"end":298.95,"sentiment":"neutral","sentiment_score":-0.02214489442606767},{"text":"I sure can.","start":309.185,"end":310.32498,"sentiment":"neutral","sentiment_score":0.0650605137149493},{"text":"So I'll start there, actually, and then I'll go through and update your details.","start":310.54498,"end":314.245,"sentiment":"neutral","sentiment_score":0.06255089651261057},{"text":"So with let's see who we've got first.","start":314.625,"end":317.905,"sentiment":"neutral","sentiment_score":0.03283118363469839},{"text":"We have Clearview policy for Misha, I believe, and you've got life disability and income protection.","start":317.905,"end":327.16,"sentiment":"neutral","sentiment_score":0.05084311019163579}],"sentiment":"neutral","sentiment_score":0.0227811937494313,"num_words":68,"start":292.015,"end":327.16},{"sentences":[{"text":"And for Patrick, you have a TAL policy, life TPD, and income protection.","start":329.94,"end":336.095,"sentiment":"neutral","sentiment_score":0.20783403515815735},{"text":"You're both insured for the same amounts of lump sum cover.","start":336.475,"end":341.295,"sentiment":"neutral","sentiment_score":0.17658670246601105},{"text":"It's just your income protection varies based on a percentage of your income.","start":341.435,"end":345.45502,"sentiment":"neutral","sentiment_score":0.11187464457291824},{"text":"Alright.","start":347.85,"end":348.35,"sentiment":"neutral","sentiment_score":0.16373901069164276},{"text":"Now have you had any significant changes with work at the moment?","start":348.49,"end":352.03,"sentiment":"neutral","sentiment_score":0.022228889477749664}],"sentiment":"neutral","sentiment_score":0.13058304496109485,"num_words":50,"start":329.94,"end":352.03},{"sentences":[{"text":"Perfect.","start":366.665,"end":367.165,"sentiment":"neutral","sentiment_score":0.17080716788768768},{"text":"Perfect, sir.","start":367.225,"end":368.20502,"sentiment":"neutral","sentiment_score":0.22591866552829742},{"text":"Awesome.","start":375.88,"end":376.28,"sentiment":"positive","sentiment_score":0.4325354993343353},{"text":"That explains why the contributions weren't going in.","start":376.28,"end":378.75998,"sentiment":"neutral","sentiment_score":0.06408232368994504},{"text":"I was looking at it, and I saw, like, a rollover, like, a little final rollover from rest.","start":378.75998,"end":383.4,"sentiment":"neutral","sentiment_score":-0.027936011449330382}],"sentiment":"neutral","sentiment_score":0.035499679390341043,"num_words":30,"start":366.665,"end":383.4},{"sentences":[{"text":"And I was like, oh, no.","start":383.4,"end":384.03998,"sentiment":"neutral","sentiment_score":-0.13463233783841133},{"text":"I hope they're not going back there.","start":384.03998,"end":385.66,"sentiment":"neutral","sentiment_score":-0.13657190757138388},{"text":"So that's perfect.","start":385.805,"end":386.86502,"sentiment":"positive","sentiment_score":0.4142865439256032},{"text":"And, Patrick, what about you?","start":388.20502,"end":389.48502,"sentiment":"neutral","sentiment_score":0.09050532653927804},{"text":"I'm just gonna bring up your income details.","start":389.48502,"end":392.125,"sentiment":"neutral","sentiment_score":0.044555466156452894}],"sentiment":"neutral","sentiment_score":0.00993215909291958,"num_words":29,"start":383.4,"end":392.125},{"sentences":[{"text":"I think we had you on a 128,000 as an engineer.","start":392.125,"end":396.225,"sentiment":"neutral","sentiment_score":0.03490856645459479},{"text":"Cool.","start":406.78,"end":407.28,"sentiment":"positive","sentiment_score":0.4449251890182495},{"text":"Yeah.","start":409.58,"end":409.9,"sentiment":"neutral","sentiment_score":0.0509762167930603},{"text":"Just kind of like gross salary, if you will, and the the 12 percent on top.","start":409.9,"end":414.585,"sentiment":"neutral","sentiment_score":0.05026476550847292},{"text":"Perfect.","start":421.125,"end":421.525,"sentiment":"positive","sentiment_score":0.37164533138275146}],"sentiment":"neutral","sentiment_score":0.06852590721100568,"num_words":30,"start":392.125,"end":421.525},{"sentences":[{"text":"Perfect.","start":421.525,"end":421.845,"sentiment":"neutral","sentiment_score":0.2991194725036621},{"text":"Now when it comes into, like, the insurance side of things, we did have you with a relatively small mortgage, and the property was sitting sort of well over a million dollars, which I'm assuming probably has jumped up since we last spoke to you as well.","start":421.845,"end":436.74,"sentiment":"neutral","sentiment_score":0.04193401994540336},{"text":"Yep.","start":446.175,"end":446.575,"sentiment":"neutral","sentiment_score":0.03718806803226471},{"text":"1.2.","start":446.575,"end":447.695,"sentiment":"neutral","sentiment_score":0.01894562691450119},{"text":"And we have 350,000 owing.","start":447.695,"end":450.095,"sentiment":"neutral","sentiment_score":0.016535553336143493}],"sentiment":"neutral","sentiment_score":0.043796906755729156,"num_words":55,"start":421.525,"end":450.095},{"sentences":[{"text":"Would that be under 300 now?","start":450.095,"end":451.8,"sentiment":"neutral","sentiment_score":0.0111761757483085},{"text":"Yeah.","start":466.295,"end":466.535,"sentiment":"neutral","sentiment_score":0.001827391795814037},{"text":"Which I think last time we checked was about $2.20 sitting in offset.","start":466.535,"end":470.075,"sentiment":"neutral","sentiment_score":-0.01407253065218146},{"text":"Yeah.","start":477.59,"end":478.09,"sentiment":"neutral","sentiment_score":-0.02102683112025261},{"text":"Yep.","start":487.75,"end":488.25,"sentiment":"neutral","sentiment_score":0.0116103608161211}],"sentiment":"neutral","sentiment_score":-0.0056124964771284295,"num_words":22,"start":450.095,"end":488.25},{"sentences":[{"text":"Yep.","start":497.215,"end":497.695,"sentiment":"neutral","sentiment_score":0.1171923130750656},{"text":"Awesome.","start":497.695,"end":498.195,"sentiment":"positive","sentiment_score":0.5401668548583984},{"text":"Either or kinda works.","start":505.94998,"end":507.15,"sentiment":"neutral","sentiment_score":0.03180810157209635},{"text":"I can kind of just minus off the the debt in quarter, an average 1 50, say, and just say you've kind of spent about 50 to 70 out of the savings, if that sounds accurate to you.","start":507.15,"end":517.195,"sentiment":"neutral","sentiment_score":0.0933516093186642},{"text":"Perfect.","start":527.59,"end":528.07,"sentiment":"positive","sentiment_score":0.4268646836280823}],"sentiment":"neutral","sentiment_score":0.10575149804353715,"num_words":45,"start":497.215,"end":528.07},{"sentences":[{"text":"Perfect.","start":528.07,"end":528.57,"sentiment":"positive","sentiment_score":0.38086098432540894},{"text":"And as far as other assets go, each had a car.","start":529.67,"end":532.57,"sentiment":"neutral","sentiment_score":0.08481532335281372},{"text":"I believe you both had car loans.","start":532.63,"end":534.73,"sentiment":"neutral","sentiment_score":0.022518677903073176},{"text":"Perfect.","start":545.60504,"end":546.10504,"sentiment":"positive","sentiment_score":0.5289838314056396},{"text":"Congratulations.","start":546.405,"end":546.905,"sentiment":"positive","sentiment_score":0.5911045074462891}],"sentiment":"neutral","sentiment_score":0.12340707739903814,"num_words":21,"start":528.07,"end":546.905},{"sentences":[{"text":"Clearing out a card debt is always lovely.","start":550.16504,"end":552.58,"sentiment":"neutral","sentiment_score":0.30286978371441364},{"text":"Having those consumer loans can probably be the most painful in today's cost of living.","start":552.58,"end":556.74,"sentiment":"neutral","sentiment_score":-0.27802624305089313},{"text":"That's for sure.","start":556.74,"end":557.72003,"sentiment":"neutral","sentiment_score":-0.0025281806786855068},{"text":"So you've got the work car.","start":558.18,"end":559.7,"sentiment":"neutral","sentiment_score":0.03823167954881986},{"text":"The Volkswagen is paid off.","start":559.7,"end":562.60004,"sentiment":"neutral","sentiment_score":0.05314185321331024}],"sentiment":"neutral","sentiment_score":-0.034051907424991194,"num_words":37,"start":550.16504,"end":562.60004},{"sentences":[{"text":"Perfect.","start":562.66003,"end":563.16003,"sentiment":"neutral","sentiment_score":0.22407682240009308},{"text":"Do you guys have anything else in terms of assets or loans, any shares, crypto, personal loans, anything else?","start":563.46,"end":570.645,"sentiment":"neutral","sentiment_score":0.02146395379187245},{"text":"Perfect.","start":579.04,"end":579.44,"sentiment":"neutral","sentiment_score":0.1214241236448288},{"text":"So relatively straightforward.","start":579.44,"end":581.54,"sentiment":"neutral","sentiment_score":0.13185920317967734},{"text":"And I'm assuming your your priority is just to kind of finish off that mortgage.","start":581.68,"end":586.01996,"sentiment":"neutral","sentiment_score":0.024693541725476584}],"sentiment":"neutral","sentiment_score":0.03895632829517126,"num_words":39,"start":562.66003,"end":586.01996},{"sentences":[{"text":"I was looking through some of the old goals from when you guys first came on board, and there was a really big focus around family.","start":586.48,"end":592.89996,"sentiment":"neutral","sentiment_score":0.03611732589510771},{"text":"Yep.","start":596.235,"end":596.555,"sentiment":"neutral","sentiment_score":0.03777945041656494},{"text":"So you've just got the the two children still and a bit of a minor mortgage.","start":596.555,"end":600.65497,"sentiment":"neutral","sentiment_score":0.010329427052056417},{"text":"Three.","start":600.875,"end":601.115,"sentiment":"neutral","sentiment_score":0.019106227904558185},{"text":"That's right.","start":601.115,"end":601.595,"sentiment":"neutral","sentiment_score":0.05709083750844002}],"sentiment":"neutral","sentiment_score":0.027725840422689267,"num_words":46,"start":586.48,"end":601.595},{"sentences":[{"text":"You're third, you did mention.","start":601.595,"end":602.795,"sentiment":"neutral","sentiment_score":0.012842266261577607},{"text":"Sorry.","start":602.795,"end":603.295,"sentiment":"neutral","sentiment_score":-0.023159999400377274},{"text":"Third child.","start":605.61,"end":606.59,"sentiment":"neutral","sentiment_score":0.013100781943649054},{"text":"The family unit is done.","start":608.97003,"end":610.57,"sentiment":"positive","sentiment_score":0.37985623478889463},{"text":"I have my third due in June, and that's exactly right.","start":610.57,"end":614.17,"sentiment":"positive","sentiment_score":0.49880078434944153}],"sentiment":"neutral","sentiment_score":0.3105559457326308,"num_words":24,"start":601.595,"end":614.17},{"sentences":[{"text":"Family unit will be done in a month's time.","start":614.17,"end":615.93,"sentiment":"positive","sentiment_score":0.37290995319684345},{"text":"I'm very excited.","start":615.93,"end":616.83,"sentiment":"positive","sentiment_score":0.8298193613688151},{"text":"How have all the kids been with the youngest sibling?","start":617.705,"end":620.185,"sentiment":"positive","sentiment_score":0.4342320799827576},{"text":"Have they gotten well okay?","start":620.185,"end":621.965,"sentiment":"neutral","sentiment_score":0.24392337203025818},{"text":"Yes.","start":627.065,"end":627.565,"sentiment":"neutral","sentiment_score":0.07307635992765427}],"sentiment":"positive","sentiment_score":0.4100236315280199,"num_words":28,"start":614.17,"end":627.565},{"sentences":[{"text":"Yeah.","start":639.39996,"end":639.72,"sentiment":"neutral","sentiment_score":0.21560794115066528},{"text":"That's amazing.","start":639.72,"end":640.45996,"sentiment":"positive","sentiment_score":0.5607391893863678},{"text":"I think my my second got the gender reveal and had this little card with all the glitter popped out and just went, no.","start":640.51996,"end":647.875,"sentiment":"neutral","sentiment_score":0.23118414978186289},{"text":"I don't want a sister.","start":648.09503,"end":649.23505,"sentiment":"neutral","sentiment_score":0.061115486547350883},{"text":"And I reckon, hopefully, they get along pretty well.","start":650.575,"end":652.73505,"sentiment":"positive","sentiment_score":0.38363932569821674}],"sentiment":"neutral","sentiment_score":0.25960578728558087,"num_words":41,"start":639.39996,"end":652.73505},{"sentences":[{"text":"It's one of those things that it might flip once they're born.","start":652.73505,"end":655.23505,"sentiment":"neutral","sentiment_score":0.16578537163635096},{"text":"Perfect.","start":657.47,"end":657.87,"sentiment":"positive","sentiment_score":0.4045370817184448},{"text":"Perfect.","start":657.87,"end":658.18994,"sentiment":"positive","sentiment_score":0.41694387793540955},{"text":"So everything has been pretty stable.","start":658.18994,"end":659.62994,"sentiment":"positive","sentiment_score":0.4259934723377228},{"text":"You're back to work soon.","start":659.62994,"end":661.49,"sentiment":"positive","sentiment_score":0.36238291263580324}],"sentiment":"neutral","sentiment_score":0.28715123265981674,"num_words":25,"start":652.73505,"end":661.49},{"sentences":[{"text":"And, Pat, you're still with Rondo?","start":662.35,"end":663.81,"sentiment":"neutral","sentiment_score":0.09588878601789474},{"text":"Yep.","start":665.62994,"end":666.11,"sentiment":"neutral","sentiment_score":0.09438301622867584},{"text":"Perfect.","start":666.11,"end":666.61,"sentiment":"neutral","sentiment_score":0.22103290259838104},{"text":"Outside of that, nothing crazy.","start":667.845,"end":669.76495,"sentiment":"neutral","sentiment_score":0.03951133713126183},{"text":"A couple of other questions that are a little bit new for us is just have you guys ever gone through a debt agreement or bankruptcy before?","start":669.76495,"end":677.065,"sentiment":"neutral","sentiment_score":-0.011434882085908342}],"sentiment":"neutral","sentiment_score":0.019489087606780232,"num_words":40,"start":662.35,"end":677.065},{"sentences":[{"text":"So a debt agreement is called, like, a part nine.","start":682.1,"end":684.9,"sentiment":"neutral","sentiment_score":-0.045702889747917655},{"text":"It's like a it's a fun kind of bankruptcy where you pay it off over time.","start":684.9,"end":688.68,"sentiment":"neutral","sentiment_score":-0.038426075829192996},{"text":"Yeah.","start":692.195,"end":692.435,"sentiment":"neutral","sentiment_score":-0.013747841119766235},{"text":"Have you ever gone through a a part nine before?","start":692.435,"end":694.935,"sentiment":"neutral","sentiment_score":-0.02087637959048152},{"text":"Perfect.","start":696.675,"end":697.155,"sentiment":"neutral","sentiment_score":0.1142781749367714}],"sentiment":"neutral","sentiment_score":-0.0310547256008967,"num_words":38,"start":682.1,"end":697.155},{"sentences":[{"text":"Perfect.","start":697.155,"end":697.555,"sentiment":"neutral","sentiment_score":0.189642995595932},{"text":"Perfect.","start":697.555,"end":698.055,"sentiment":"neutral","sentiment_score":0.2715359926223755},{"text":"So that's all looking good.","start":698.115,"end":699.495,"sentiment":"positive","sentiment_score":0.3616276741027832},{"text":"When I was talking about the insurances before, so with the little bit over the million in life insurance and disability, That obviously clears off your debt and leaves you with about 3 quarters of 1,000,000 to replace lost income of each other on top of your super as well.","start":699.635,"end":717.62,"sentiment":"neutral","sentiment_score":0.14596260018646717},{"text":"Now the pricing isn't too bad on the life and TPD.","start":717.92004,"end":721.12,"sentiment":"neutral","sentiment_score":0.18913007629188625}],"sentiment":"neutral","sentiment_score":0.17129232657744603,"num_words":68,"start":697.155,"end":721.12},{"sentences":[{"text":"I think each policy for perhaps, like, just over $500 before the tax rebate out of super.","start":721.12,"end":727.335,"sentiment":"neutral","sentiment_score":0.016436612343086916},{"text":"For Misha, you're about.","start":728.995,"end":730.375,"sentiment":"neutral","sentiment_score":-0.019850388867780566},{"text":"Yeah.","start":736.77,"end":737.09,"sentiment":"neutral","sentiment_score":0.08650050312280655},{"text":"Correct.","start":737.09,"end":737.49005,"sentiment":"neutral","sentiment_score":0.11974147707223892},{"text":"So the life insurance for Tal is about 500.","start":737.49005,"end":741.03,"sentiment":"neutral","sentiment_score":0.07512310105893347}],"sentiment":"neutral","sentiment_score":0.03382408575271256,"num_words":32,"start":721.12,"end":741.03},{"sentences":[{"text":"The TPD insurance for Tal is about $5.80, whereas, Misha, you're on around about $3.15, $3.42.","start":741.49005,"end":749.83496,"sentiment":"neutral","sentiment_score":0.03253214922733605},{"text":"So it's not too much coming out of the super there.","start":749.975,"end":752.475,"sentiment":"neutral","sentiment_score":-0.07147065353241157},{"text":"I just wanted to check with you guys the amounts, though, because you have the situation you've got with the offsets and everything.","start":752.855,"end":759.115,"sentiment":"neutral","sentiment_score":-0.011279723080603973},{"text":"Having that extra money to replace incomes, if you were to pass away or can never work again, does that sound like a how does a claim scenario kind of look for you guys?","start":759.65497,"end":770.47,"sentiment":"neutral","sentiment_score":-0.06003147254095358},{"text":"Debt's paid off.","start":770.69,"end":771.57,"sentiment":"neutral","sentiment_score":-0.12683793405691782}],"sentiment":"neutral","sentiment_score":-0.03386988851305996,"num_words":87,"start":741.49005,"end":771.57},{"sentences":[{"text":"There's 3 quarter of $1,000,000 there.","start":771.57,"end":773.83,"sentiment":"neutral","sentiment_score":-0.048385169357061386},{"text":"Is that good?","start":773.97,"end":774.69,"sentiment":"neutral","sentiment_score":-0.011297454436620077},{"text":"Is that too much?","start":774.69,"end":775.75,"sentiment":"neutral","sentiment_score":-0.11728541366755962},{"text":"Absolutely.","start":795.83,"end":796.33,"sentiment":"neutral","sentiment_score":0.13458597660064697},{"text":"And the way I kind of work it back in practical terms is let's say you've got your your super there.","start":796.47003,"end":802.88495,"sentiment":"neutral","sentiment_score":0.05074631688850267}],"sentiment":"neutral","sentiment_score":0.011626102775335313,"num_words":35,"start":771.57,"end":802.88495},{"sentences":[{"text":"I'll I'll use Pat as an example.","start":802.88495,"end":804.345,"sentiment":"neutral","sentiment_score":0.0735976632152285},{"text":"Mortgage is paid off.","start":804.64496,"end":805.685,"sentiment":"neutral","sentiment_score":0.00769774941727519},{"text":"If you add your super and your insurance together, you sit there with a million dollars.","start":805.685,"end":809.305,"sentiment":"neutral","sentiment_score":0.06574432272464037},{"text":"You can then invest that potentially into your pension account if you were TPD'd and can never work again.","start":809.52496,"end":815.125,"sentiment":"neutral","sentiment_score":0.0552239490574912},{"text":"And then you can pretty much live off of that all the way through to retirement.","start":815.125,"end":819.43,"sentiment":"neutral","sentiment_score":0.1002864520996809}],"sentiment":"neutral","sentiment_score":0.06857616241059956,"num_words":62,"start":802.88495,"end":819.43},{"sentences":[{"text":"Put it in a conservative fund, generate $50,000 worth of interest out of it.","start":819.57,"end":824.47,"sentiment":"neutral","sentiment_score":0.13952053976910456},{"text":"If you lived off more than 50,000, you would slowly use it up over about thirty, forty years' time.","start":824.61,"end":830.775,"sentiment":"neutral","sentiment_score":0.1068965476986609},{"text":"So it can get you guys by, if that makes sense.","start":831.09503,"end":834.47504,"sentiment":"positive","sentiment_score":0.35723027316006745},{"text":"And the main thing too is just look.","start":836.85504,"end":838.53503,"sentiment":"neutral","sentiment_score":0.13370181806385517},{"text":"When you get older, especially, like, late forties, early fifties, insurance premiums increase so quickly that it's just a matter of trimming it down as you pay off your mortgage.","start":838.53503,"end":848.14,"sentiment":"neutral","sentiment_score":-0.01469153572494785}],"sentiment":"neutral","sentiment_score":0.10417955415323377,"num_words":82,"start":819.57,"end":848.14},{"sentences":[{"text":"Perfect.","start":851.4,"end":851.9,"sentiment":"positive","sentiment_score":0.5307642817497253},{"text":"Just when it comes to the income protection, so, Misha, you have a ninety day waiting period, which means you pretty much get by for a few months, then it kicks in monthly, and it'll pay you all the way up to the age of 65.","start":852.28,"end":865.515,"sentiment":"neutral","sentiment_score":0.21470777803789015},{"text":"So you're insured for $4,947 a month worth of cover.","start":866.05505,"end":870.875,"sentiment":"neutral","sentiment_score":0.1905822053551674},{"text":"And if I work that back as a bit of a calculation, it's protecting an income of about $85,000 gross.","start":871.335,"end":878.36,"sentiment":"neutral","sentiment_score":0.19368041008710862},{"text":"So tiny bit above the 82 that we had you on previously.","start":880.74,"end":883.96,"sentiment":"neutral","sentiment_score":0.2263754407564799}],"sentiment":"neutral","sentiment_score":0.21239615298723907,"num_words":89,"start":851.4,"end":883.96},{"sentences":[{"text":"If you were to claim on it right now, they do kind of look back twelve months, and mat leave plays into it a little bit.","start":884.82,"end":890.565,"sentiment":"neutral","sentiment_score":0.15496607783895272},{"text":"But if you're about to go back to work, then that shouldn't be too much of a problem.","start":890.565,"end":894.265,"sentiment":"neutral","sentiment_score":0.12804262008931902},{"text":"Cool.","start":896.24506,"end":896.74506,"sentiment":"positive","sentiment_score":0.4657963514328003},{"text":"Does that sound pretty close to what you will be earning?","start":897.205,"end":899.945,"sentiment":"neutral","sentiment_score":0.2682346864180131},{"text":"Usually includes a bit of super on top because I think we had your full salary package at over a 100,000, about 105.","start":913.235,"end":919.735,"sentiment":"neutral","sentiment_score":0.11181806335630624}],"sentiment":"neutral","sentiment_score":0.15597567778033547,"num_words":79,"start":884.82,"end":919.735},{"sentences":[{"text":"Yeah.","start":919.875,"end":920.035,"sentiment":"neutral","sentiment_score":0.07151872664690018},{"text":"The car allowance of about 12, super included.","start":920.035,"end":923.015,"sentiment":"neutral","sentiment_score":0.046435398515313864},{"text":"Okay.","start":926.37,"end":926.87,"sentiment":"neutral","sentiment_score":0.1179235428571701},{"text":"Perfect.","start":927.09,"end":927.59,"sentiment":"neutral","sentiment_score":0.15508253872394562},{"text":"17 and a half.","start":928.85004,"end":929.81,"sentiment":"neutral","sentiment_score":0.07013801485300064}],"sentiment":"neutral","sentiment_score":0.0664373370508353,"num_words":15,"start":919.875,"end":929.81},{"sentences":[{"text":"So worst case scenario, let's say that you, on paper, have 82,000 instead of 84, they would pay you 70% of the 82, if that makes sense.","start":929.81,"end":940.995,"sentiment":"neutral","sentiment_score":0.033124936606597016},{"text":"So it's just as long as there's not like a big discrepancy where you're over insured and paying too much for what you can't claim on, that's kind of the main thing.","start":941.615,"end":949.39496,"sentiment":"neutral","sentiment_score":-0.04560453684825916},{"text":"That shouldn't be too much of a problem for you.","start":949.535,"end":951.87,"sentiment":"neutral","sentiment_score":0.18517915904521942},{"text":"And for Patrick, just quickly working back your calculation, mate, because they do increase your cover gradually.","start":954.43,"end":960.45,"sentiment":"neutral","sentiment_score":0.21442213829825907},{"text":"It's a bit of an inflation protection.","start":960.91,"end":963.17,"sentiment":"neutral","sentiment_score":0.012738097991262163}],"sentiment":"neutral","sentiment_score":0.053990997168766236,"num_words":93,"start":929.81,"end":963.17},{"sentences":[{"text":"And at 70 percent, it's working out about a 116,000.","start":964.925,"end":969.025,"sentiment":"neutral","sentiment_score":0.07016597725450993},{"text":"Cool.","start":973.645,"end":973.885,"sentiment":"positive","sentiment_score":0.5973852872848511},{"text":"And yours is a lot quicker.","start":973.885,"end":975.265,"sentiment":"positive","sentiment_score":0.4537017395099004},{"text":"So you've got only a four week wait.","start":975.565,"end":978.73004,"sentiment":"neutral","sentiment_score":0.2561107352375984},{"text":"So if you're off for a month, it'll kick in for up to five years.","start":978.87,"end":982.09,"sentiment":"neutral","sentiment_score":0.16609039107958476}],"sentiment":"neutral","sentiment_score":0.21403743112459778,"num_words":40,"start":964.925,"end":982.09},{"sentences":[{"text":"Cool.","start":984.15,"end":984.65,"sentiment":"positive","sentiment_score":0.580715537071228},{"text":"So premiums on that aren't looking too bad.","start":984.87,"end":987.35004,"sentiment":"neutral","sentiment_score":0.2291229795664549},{"text":"It's not really holding the super back too much.","start":987.35004,"end":989.595,"sentiment":"neutral","sentiment_score":-0.028801341851552326},{"text":"It's mainly just a matter of getting some contributions rolling into Mitch's Fund again.","start":989.675,"end":994.095,"sentiment":"neutral","sentiment_score":0.18356080566133773},{"text":"And if it jumps up another 500 or a thousand, we can always kind of trim it, do a bit of shopping around.","start":994.31494,"end":1000.65497,"sentiment":"neutral","sentiment_score":0.10527319218153539}],"sentiment":"neutral","sentiment_score":0.1299203999340534,"num_words":55,"start":984.15,"end":1000.65497},{"sentences":[{"text":"Perfect.","start":1003.29,"end":1003.79,"sentiment":"positive","sentiment_score":0.472538948059082},{"text":"Now I've got some performance reports sent through to you.","start":1003.93,"end":1006.97,"sentiment":"neutral","sentiment_score":0.17212189137935638},{"text":"I don't know if you can see that attachment for the hub twenty four twelve month performance.","start":1006.97,"end":1011.37,"sentiment":"neutral","sentiment_score":0.0900404922225896},{"text":"Can you see that one there?","start":1011.37,"end":1012.67,"sentiment":"neutral","sentiment_score":0.0625173964848121},{"text":"Perfect.","start":1019.225,"end":1019.725,"sentiment":"neutral","sentiment_score":0.22665420174598697}],"sentiment":"neutral","sentiment_score":0.12360585172261511,"num_words":35,"start":1003.29,"end":1019.725},{"sentences":[{"text":"Do you guys log in to your super every so often?","start":1020.025,"end":1022.765,"sentiment":"neutral","sentiment_score":0.09533278102224524},{"text":"Yep.","start":1029.48,"end":1029.88,"sentiment":"neutral","sentiment_score":0.0939897745847702},{"text":"Totally.","start":1029.88,"end":1030.36,"sentiment":"neutral","sentiment_score":0.1575290411710739},{"text":"Fair.","start":1030.36,"end":1030.6,"sentiment":"neutral","sentiment_score":0.10732807219028472},{"text":"Any thoughts or feelings on it so far from from your angle?","start":1030.6,"end":1034.06,"sentiment":"neutral","sentiment_score":0.022667380049824715}],"sentiment":"neutral","sentiment_score":0.06459677076110473,"num_words":26,"start":1020.025,"end":1034.06},{"sentences":[{"text":"Yeah.","start":1058.0701,"end":1058.31,"sentiment":"neutral","sentiment_score":-0.007747548632323742},{"text":"And then sitting today, three zero four, four 10.","start":1058.31,"end":1061.53,"sentiment":"neutral","sentiment_score":0.002905818530254894},{"text":"And I guess the, no, still many, many years to go.","start":1072.805,"end":1077.4801,"sentiment":"neutral","sentiment_score":-0.07680467787114056},{"text":"The way I would kind of describe it a little bit in terms of volatility is perhaps in a high growth.","start":1078.5801,"end":1085.14,"sentiment":"neutral","sentiment_score":-0.09582302879009928},{"text":"So call it a five out of five, trying to get the higher returns long term.","start":1085.14,"end":1089.195,"sentiment":"neutral","sentiment_score":0.10212110844440758}],"sentiment":"neutral","sentiment_score":-0.020772284619381715,"num_words":58,"start":1058.0701,"end":1089.195},{"sentences":[{"text":"So going from three twelve down to two eighty and then back up to $3.00 4 in the span of, like, two months, that's very normal for this type of situation.","start":1089.4349,"end":1101.7749,"sentiment":"neutral","sentiment_score":0.01576177980149946},{"text":"So and the more you build your balance up because it's all percentage based returns, you're gonna see a much larger dollar value swing up and down.","start":1102.53,"end":1111.51,"sentiment":"neutral","sentiment_score":0.09318453045906844},{"text":"So 10% up or down for you, which is the average for high growth, is, like, $30,000.","start":1113.5701,"end":1118.775,"sentiment":"neutral","sentiment_score":0.08960305811727748},{"text":"Yep.","start":1123.235,"end":1123.735,"sentiment":"neutral","sentiment_score":0.06230621784925461},{"text":"The the returns themselves, though, it's it's a very strange kind of thing to see.","start":1124.755,"end":1128.995,"sentiment":"neutral","sentiment_score":-0.2600981871287028}],"sentiment":"neutral","sentiment_score":0.0075679439027885815,"num_words":91,"start":1089.4349,"end":1128.995},{"sentences":[{"text":"Can you see that blue table there for that hub 20 '4 performance report?","start":1128.995,"end":1132.535,"sentiment":"neutral","sentiment_score":-0.010504457168281078},{"text":"It should be the first page of that document, and it should just have a nice big performance title at the top left.","start":1138.2401,"end":1144.5,"sentiment":"neutral","sentiment_score":0.13717221598262372},{"text":"And if you see that table, it's got a whole bunch of codes on the left.","start":1146.975,"end":1150.1749,"sentiment":"neutral","sentiment_score":0.04040032543707639},{"text":"It's got, like, Ben and Long, beta global, beta robotics, all that kind of thing.","start":1150.1749,"end":1154.835,"sentiment":"neutral","sentiment_score":0.02814262273410956},{"text":"Yep.","start":1155.855,"end":1156.335,"sentiment":"neutral","sentiment_score":0.05953153222799301}],"sentiment":"neutral","sentiment_score":0.05994166155764158,"num_words":69,"start":1128.995,"end":1156.335},{"sentences":[{"text":"So right hand side is the percentage returns for each option, and the page after that is your overall portfolio.","start":1156.335,"end":1163.31,"sentiment":"neutral","sentiment_score":0.06723216846585274},{"text":"So correct.","start":1166.25,"end":1171.55,"sentiment":"neutral","sentiment_score":0.037212654016911983},{"text":"So your total earnings, I guess, for the year, $40,000 in growth.","start":1173.545,"end":1177.885,"sentiment":"neutral","sentiment_score":0.0045677609741687775},{"text":"I was actually pleasantly surprised because a lot of people I'm talking to at the moment, their super is kind of negative for the year or low single digits.","start":1179.0651,"end":1186.925,"sentiment":"neutral","sentiment_score":-0.21171230540193361},{"text":"So both of you guys have really high double digit returns so far.","start":1187.21,"end":1190.91,"sentiment":"neutral","sentiment_score":-0.07498343919332211}],"sentiment":"neutral","sentiment_score":-0.07421789154116261,"num_words":76,"start":1156.335,"end":1190.91},{"sentences":[{"text":"Correct.","start":1193.6901,"end":1194.1901,"sentiment":"neutral","sentiment_score":0.032697953283786774},{"text":"If you look back on that first page, if you look in the middle, like, it's it's pretty funny to see, but you had some battery tech and lithium, which is like your electronic vehicles, up a 118%, which is just ridiculous.","start":1196.57,"end":1211.485,"sentiment":"neutral","sentiment_score":-0.030675351996684357},{"text":"Yeah.","start":1214.48,"end":1214.72,"sentiment":"neutral","sentiment_score":0.12696444988250732},{"text":"Well, that's one of those ones where we do we call it diversification because if we swung it all into one, it's gonna go up a 100, down 80, and your soup is gonna be all over the shop.","start":1214.72,"end":1224.6599,"sentiment":"neutral","sentiment_score":0.11230414761946751},{"text":"Everything there is looking really, really strong.","start":1227.0549,"end":1228.975,"sentiment":"positive","sentiment_score":0.5857776999473572}],"sentiment":"neutral","sentiment_score":0.08168448084551427,"num_words":90,"start":1193.6901,"end":1228.975},{"sentences":[{"text":"Like, this is actually the best returns I've seen all year for all of the Oakview clients.","start":1228.975,"end":1234.115,"sentiment":"positive","sentiment_score":0.5630051300806158},{"text":"Most of it's between 27, 30%.","start":1234.655,"end":1237.5549,"sentiment":"neutral","sentiment_score":0.31765657663345337},{"text":"You do have that one at the top, Bennelong, which is down 7.95.","start":1237.695,"end":1242.13,"sentiment":"neutral","sentiment_score":0.1911467554477545},{"text":"It's negative.","start":1246.59,"end":1247.49,"sentiment":"neutral","sentiment_score":-0.17986494302749634},{"text":"Correct.","start":1247.63,"end":1248.13,"sentiment":"neutral","sentiment_score":-0.016108175739645958}],"sentiment":"positive","sentiment_score":0.34836144692813736,"num_words":39,"start":1228.975,"end":1248.13},{"sentences":[{"text":"Yep.","start":1248.91,"end":1249.23,"sentiment":"neutral","sentiment_score":0.08051114529371262},{"text":"So that's the only one out of the eight that have underperformed, and that's your Australian shares portion.","start":1249.23,"end":1255.01,"sentiment":"neutral","sentiment_score":0.05195671764926778},{"text":"So even though it's kind of gotten the fantastic return overall, that's one to look at possibly replacing.","start":1255.575,"end":1263.0349,"sentiment":"neutral","sentiment_score":0.10288248583674431},{"text":"So one of those one of the things that we do is we flag it for twelve months.","start":1266.2949,"end":1271.04,"sentiment":"neutral","sentiment_score":0.023171441629529},{"text":"But just in this particular case, we've been doing some research on Ben long after Christmas time, and they've kind of been consistently underperforming the rest of the peer group in that Australian share space.","start":1271.34,"end":1285.2649,"sentiment":"neutral","sentiment_score":-0.013080286660364695}],"sentiment":"neutral","sentiment_score":0.031409919158452086,"num_words":90,"start":1248.91,"end":1285.2649},{"sentences":[{"text":"So I would actually recommend if you're comfortable me just looking for a replacement option.","start":1285.565,"end":1289.9049,"sentiment":"neutral","sentiment_score":0.06182721368968487},{"text":"Yep.","start":1292.445,"end":1292.945,"sentiment":"neutral","sentiment_score":0.05237118527293205},{"text":"It's kind of like I guess, the way I describe it is a bit of an engine tune up.","start":1293.005,"end":1297.13,"sentiment":"neutral","sentiment_score":0.02583178848420319},{"text":"Everything is going great, but the one thing kinda needs to be oiled.","start":1297.13,"end":1300.11,"sentiment":"neutral","sentiment_score":0.0011585025976483649},{"text":"We don't need to rebuild the engine.","start":1300.65,"end":1302.3501,"sentiment":"neutral","sentiment_score":-0.06491477148873466}],"sentiment":"neutral","sentiment_score":0.01874982736666094,"num_words":55,"start":1285.565,"end":1302.3501},{"sentences":[{"text":"Cool.","start":1305.05,"end":1305.55,"sentiment":"positive","sentiment_score":0.38540756702423096},{"text":"I do have one question for you, and there's no wrong answer on this.","start":1305.61,"end":1308.5701,"sentiment":"neutral","sentiment_score":0.0522916599043778},{"text":"It really is if you have a strong gut feeling either way.","start":1308.5701,"end":1311.735,"sentiment":"neutral","sentiment_score":0.04924594424664974},{"text":"Do you have a preference between low fees or paying a bit more to try and get a higher return?","start":1311.875,"end":1317.495,"sentiment":"neutral","sentiment_score":0.016655566357076167},{"text":"Just any kind of gut leaning in either direction.","start":1317.555,"end":1320.215,"sentiment":"neutral","sentiment_score":0.001815049805574947}],"sentiment":"neutral","sentiment_score":0.036748016286375265,"num_words":56,"start":1305.05,"end":1320.215},{"sentences":[{"text":"So more so the investments.","start":1331.0901,"end":1332.7101,"sentiment":"neutral","sentiment_score":0.04037749320268631},{"text":"So for that Benelon option, I can replace it with a low fee index fund, which follows the market very closely.","start":1333.17,"end":1340.195,"sentiment":"neutral","sentiment_score":0.10747459380044824},{"text":"It has the lowest investment fees, or I can replace it with another active fund, which is a little bit more expensive, but tries to outperform that ASX two 100.","start":1340.195,"end":1351.85,"sentiment":"neutral","sentiment_score":0.1832492339114348},{"text":"Yep.","start":1356.31,"end":1356.7101,"sentiment":"neutral","sentiment_score":0.32320642471313477},{"text":"Perfect.","start":1356.7101,"end":1357.1901,"sentiment":"positive","sentiment_score":0.605494499206543}],"sentiment":"neutral","sentiment_score":0.15319020477733736,"num_words":58,"start":1331.0901,"end":1357.1901},{"sentences":[{"text":"We have, I think, three options that we've been researching.","start":1357.1901,"end":1360.73,"sentiment":"neutral","sentiment_score":0.2668750137090683},{"text":"So I I have a pretty good idea of what I'm gonna look at.","start":1360.87,"end":1363.61,"sentiment":"neutral","sentiment_score":0.28832092561892103},{"text":"I'll update your statement of advice and walk you through what that change looks like just to make sure you're comfortable before we change anything.","start":1363.8301,"end":1371.345,"sentiment":"neutral","sentiment_score":0.13743622064590455},{"text":"Perfect.","start":1373.965,"end":1374.465,"sentiment":"positive","sentiment_score":0.4591943621635437},{"text":"Now onto Misha's super.","start":1375.085,"end":1377.105,"sentiment":"positive","sentiment_score":0.3667927756905556}],"sentiment":"neutral","sentiment_score":0.22347248290423993,"num_words":54,"start":1357.1901,"end":1377.105},{"sentences":[{"text":"She's actually outperformed.","start":1377.725,"end":1378.945,"sentiment":"positive","sentiment_score":0.5635040402412415},{"text":"Patrick's, You've had, just by sheer luck of the options that you're in, your growth funds, which is four out of five on the risk scale, has actually had, I'll give you today's figures, 18.45% net return after fees, which is the best one I've seen all year.","start":1379.405,"end":1400.515,"sentiment":"neutral","sentiment_score":0.23154090717434883},{"text":"So you didn't do anything wrong, Patrick.","start":1403.2949,"end":1405.8,"sentiment":"positive","sentiment_score":0.35680194411958965},{"text":"We didn't we didn't jip you on any options or anything like that.","start":1405.88,"end":1408.28,"sentiment":"neutral","sentiment_score":0.22497144112220177},{"text":"It's just the timing of when things came in for Misha was just perfect.","start":1408.28,"end":1412.54,"sentiment":"positive","sentiment_score":0.44555858416216715}],"sentiment":"neutral","sentiment_score":0.28781809631515953,"num_words":85,"start":1377.725,"end":1412.54},{"sentences":[{"text":"Everything like, the Benelong option was still in there for her portfolio at a similar negative, but everything else like her battery techs up a 121%.","start":1413.56,"end":1422.555,"sentiment":"neutral","sentiment_score":0.10783135890960693},{"text":"Her gold's up a little more.","start":1422.855,"end":1424.475,"sentiment":"neutral","sentiment_score":0.16912533839543661},{"text":"Everything's just kind of inched a little bit better based on when it jumped in.","start":1424.775,"end":1429.035,"sentiment":"neutral","sentiment_score":0.15588692128658294},{"text":"So everything's looking perfect there too as well.","start":1431.3501,"end":1434.23,"sentiment":"positive","sentiment_score":0.4182395227253437},{"text":"You're in a slightly lower risk than Patrick.","start":1434.23,"end":1436.89,"sentiment":"neutral","sentiment_score":0.1954745464026928}],"sentiment":"neutral","sentiment_score":0.17565688467214977,"num_words":63,"start":1413.56,"end":1436.89},{"sentences":[{"text":"But, again, I do wanna just do that bit of a tune up on yours as well.","start":1436.9501,"end":1441.05,"sentiment":"neutral","sentiment_score":0.18524913226856904},{"text":"Do you have a preference either way, Misha, between the low fees versus the active?","start":1444.7251,"end":1449.145,"sentiment":"neutral","sentiment_score":0.03747451404730479},{"text":"That that's perfect.","start":1464.0199,"end":1464.98,"sentiment":"positive","sentiment_score":0.5141739348570505},{"text":"The option I'm thinking of is actually a tiny bit more affordable than Bennelong is, and the performance has been much stronger.","start":1464.98,"end":1472.735,"sentiment":"positive","sentiment_score":0.5745016539638693},{"text":"So I'm gonna do a direct comparison and see if that's good to slot in.","start":1472.795,"end":1476.3351,"sentiment":"neutral","sentiment_score":0.31706310709317526}],"sentiment":"neutral","sentiment_score":0.31456746885346043,"num_words":72,"start":1436.9501,"end":1476.3351},{"sentences":[{"text":"And if we need to rebalance anything else, I'll let you know, but it might just be the one.","start":1476.4751,"end":1480.3351,"sentiment":"neutral","sentiment_score":0.12495645841485575},{"text":"Perfect.","start":1482.395,"end":1482.795,"sentiment":"positive","sentiment_score":0.5682784914970398},{"text":"Perfect.","start":1482.795,"end":1483.29,"sentiment":"positive","sentiment_score":0.48703598976135254},{"text":"As far as estate planning goes, you both have your beneficiaries in place to each other, nonlapsing binding.","start":1483.6901,"end":1491.55,"sentiment":"neutral","sentiment_score":0.23494793309105766},{"text":"I'm just gonna double check that all the details are correct.","start":1491.61,"end":1494.5901,"sentiment":"neutral","sentiment_score":0.1441203166138042}],"sentiment":"neutral","sentiment_score":0.1848774693906307,"num_words":50,"start":1476.4751,"end":1494.5901},{"sentences":[{"text":"We've got Yes.","start":1495.13,"end":1516.66,"sentiment":"neutral","sentiment_score":0.08664725224177043},{"text":"Absolutely.","start":1516.7201,"end":1517.2201,"sentiment":"neutral","sentiment_score":0.23942172527313232},{"text":"I do have a fantastic bit of info for you today, which may help.","start":1517.36,"end":1521.14,"sentiment":"positive","sentiment_score":0.37746873391526087},{"text":"So when people set up family trust while they're still alive, you tend to get a building of assets inside.","start":1521.675,"end":1529.055,"sentiment":"neutral","sentiment_score":0.09978110082447529},{"text":"So you build in a company, some properties, some investments, and then you tend to look at, like, income splitting between spouses and children, bring everybody in, and try and spread the wealth around and keep it in that bubble to avoid, you know, taxes and things like that.","start":1529.435,"end":1545.5,"sentiment":"neutral","sentiment_score":0.09543096448998062}],"sentiment":"neutral","sentiment_score":0.14316856360127186,"num_words":87,"start":1495.13,"end":1545.5},{"sentences":[{"text":"One thing you can do yeah.","start":1547.16,"end":1552.185,"sentiment":"neutral","sentiment_score":0.029886810729900997},{"text":"Well, speaking of that, because you'd be surprised what I see on a weekly basis in the industry with how this plays out.","start":1553.4451,"end":1559.9451,"sentiment":"neutral","sentiment_score":0.08791344272701637},{"text":"Not anything knocking pat there, but just what can happen.","start":1560.645,"end":1563.9451,"sentiment":"neutral","sentiment_score":0.040908143296837805},{"text":"So the one thing that you can do which might be really powerful for you guys is a testamentary trust will.","start":1566.02,"end":1571.9401,"sentiment":"neutral","sentiment_score":0.29754762209597085},{"text":"Have you heard of that before?","start":1571.9401,"end":1573.24,"sentiment":"neutral","sentiment_score":0.035960825781027474}],"sentiment":"neutral","sentiment_score":0.13749509846622293,"num_words":66,"start":1547.16,"end":1573.24},{"sentences":[{"text":"Perfect.","start":1579.755,"end":1580.155,"sentiment":"positive","sentiment_score":0.6246629953384399},{"text":"That was my next question.","start":1580.155,"end":1581.4551,"sentiment":"neutral","sentiment_score":0.25928051173686983},{"text":"So if you go to a solicitor, again, how long is a piece of string depending on who you get and what you need, you do have the public trustee of every state does appointments for wills and power of attorneys as well.","start":1581.515,"end":1594.77,"sentiment":"neutral","sentiment_score":0.12860714384289676},{"text":"And if you really want to, you can get a $25 will kit from the post office, which is from the government as well, and that's probably the quickest and easiest.","start":1595.3099,"end":1604.11,"sentiment":"neutral","sentiment_score":0.3038191790542295},{"text":"If all you're trying to do is make sure the property's noted down, bank accounts, shoes, cars, and so on.","start":1604.11,"end":1610.985,"sentiment":"neutral","sentiment_score":0.21338458135724067}],"sentiment":"neutral","sentiment_score":0.21137258917093277,"num_words":100,"start":1579.755,"end":1610.985},{"sentences":[{"text":"Now where the testamentary trust comes into it is if you pass away, a trust fund can be created, and then you can be a bit more specific about how income is distributed out to minor children until they're 18.","start":1612.5651,"end":1626.42,"sentiment":"neutral","sentiment_score":0.1312487531453371},{"text":"You can kind of plan beyond the grave how the funds are used for them.","start":1626.88,"end":1631.625,"sentiment":"neutral","sentiment_score":0.17004736041029295},{"text":"Yeah.","start":1638.905,"end":1639.385,"sentiment":"neutral","sentiment_score":0.06927402317523956},{"text":"It's literally like a standard will, but then in the back end of that will, it actually triggers the creation of a trust fund.","start":1639.385,"end":1645.965,"sentiment":"neutral","sentiment_score":0.1314297878804306},{"text":"So that's probably the most powerful engine for family planning beyond just a spouse.","start":1649.0,"end":1654.54,"sentiment":"positive","sentiment_score":0.6979725275720868}],"sentiment":"neutral","sentiment_score":0.22123260479024115,"num_words":94,"start":1612.5651,"end":1654.54},{"sentences":[{"text":"It can kind of go a couple of levels in-depth.","start":1654.92,"end":1657.3201,"sentiment":"positive","sentiment_score":0.3538862705230713},{"text":"I've seen people do children and grandchildren and allocate funds all over the place.","start":1657.3201,"end":1662.7749,"sentiment":"neutral","sentiment_score":0.3251352288893291},{"text":"It's the best best way to do it because you don't have to pay for running a trust throughout your life.","start":1662.9149,"end":1667.095,"sentiment":"positive","sentiment_score":0.3992664884953272},{"text":"It literally clicks open at the end, and anything that gets moved into it, you're not paying capital gains tax to move it into the trust.","start":1667.1549,"end":1680.5675,"sentiment":"neutral","sentiment_score":0.2597986916796519},{"text":"Yeah.","start":1704.57,"end":1704.89,"sentiment":"neutral","sentiment_score":-0.0028751716017723083}],"sentiment":"neutral","sentiment_score":0.3226005969465607,"num_words":72,"start":1654.92,"end":1704.89},{"sentences":[{"text":"It's it does that type of effect where, let's say, you had investment properties.","start":1704.89,"end":1709.39,"sentiment":"neutral","sentiment_score":0.0073909327786948},{"text":"They could be because when you move it into a different name or a different entity, it's a triggering event for capital gains tax.","start":1710.73,"end":1718.505,"sentiment":"neutral","sentiment_score":-0.0054216154385358095},{"text":"So if you had investment property on top of your current property, the moment that goes to the children, it becomes a CGT event.","start":1719.765,"end":1727.225,"sentiment":"neutral","sentiment_score":0.033498033958797656},{"text":"The moment you move it into a trust, the same thing happens, but the testamentary trust bypasses that.","start":1727.65,"end":1733.89,"sentiment":"neutral","sentiment_score":0.05461454060342577},{"text":"And it can be moved you could build by three properties now, and all three of them upon your death can be moved into a trust without triggering that.","start":1733.89,"end":1742.265,"sentiment":"neutral","sentiment_score":0.09968951607829538}],"sentiment":"neutral","sentiment_score":0.04267307156440588,"num_words":109,"start":1704.89,"end":1742.265},{"sentences":[{"text":"So yeah.","start":1745.525,"end":1748.645,"sentiment":"neutral","sentiment_score":-0.02764228079468012},{"text":"Exactly.","start":1748.645,"end":1749.145,"sentiment":"neutral","sentiment_score":0.06798253953456879},{"text":"Right.","start":1749.2051,"end":1749.605,"sentiment":"neutral","sentiment_score":0.0864923819899559},{"text":"So it's really powerful the more assets that you get.","start":1749.605,"end":1753.11,"sentiment":"neutral","sentiment_score":0.06901674158871174},{"text":"Absolutely.","start":1757.11,"end":1757.61,"sentiment":"neutral","sentiment_score":0.09762440621852876}],"sentiment":"neutral","sentiment_score":0.05913214546938737,"num_words":15,"start":1745.525,"end":1757.61},{"sentences":[{"text":"So basic will to start with is always good?","start":1757.83,"end":1760.57,"sentiment":"neutral","sentiment_score":0.08917056106858784},{"text":"Yes.","start":1765.765,"end":1766.265,"sentiment":"neutral","sentiment_score":-0.07865644246339798},{"text":"It's actually the same thing too when it comes to super.","start":1772.805,"end":1776.105,"sentiment":"neutral","sentiment_score":-0.05916784906929189},{"text":"So let's say you, instead of nominating each other, decided to mix in your children.","start":1776.645,"end":1782.58,"sentiment":"neutral","sentiment_score":0.017089968423048656},{"text":"I've seen it all the time.","start":1782.58,"end":1783.88,"sentiment":"neutral","sentiment_score":0.027144066989421844}],"sentiment":"neutral","sentiment_score":0.011720147516046251,"num_words":42,"start":1757.83,"end":1783.88},{"sentences":[{"text":"Someone says half goes to my partner and 25% or however much goes between two or three children.","start":1783.94,"end":1790.2,"sentiment":"neutral","sentiment_score":-0.0027629470245705712},{"text":"The minor children, well, whoever's their guardian looks after and controls the money.","start":1790.98,"end":1795.275,"sentiment":"neutral","sentiment_score":0.014717646706580685},{"text":"That's step number one.","start":1796.395,"end":1797.275,"sentiment":"neutral","sentiment_score":0.07663581077940762},{"text":"So if there is breakdown of the family unit and you don't want that to happen, that's problem number one.","start":1797.275,"end":1803.135,"sentiment":"neutral","sentiment_score":-0.21942092403769492},{"text":"But the moment they turn 18, they no longer count as a tax dependent.","start":1803.275,"end":1807.855,"sentiment":"neutral","sentiment_score":-0.06857192675982203}],"sentiment":"neutral","sentiment_score":-0.07101863552942751,"num_words":69,"start":1783.94,"end":1807.855},{"sentences":[{"text":"So they receive your super, your partner gets it tax free, and your 19 year old son or daughter, they cop 15 to 17% tax on the taxable portion.","start":1808.23,"end":1818.4099,"sentiment":"neutral","sentiment_score":0.039219732942252325},{"text":"Yes.","start":1821.365,"end":1821.865,"sentiment":"neutral","sentiment_score":0.010730785317718984},{"text":"And that's the whole put it through the will and testamentary trusts and all that kind of thing.","start":1822.565,"end":1827.625,"sentiment":"positive","sentiment_score":0.4192311672700776},{"text":"Oh, actually, how old would your eldest be?","start":1829.845,"end":1832.9049,"sentiment":"neutral","sentiment_score":0.06853798357769847},{"text":"Seven in August.","start":1835.82,"end":1836.7,"sentiment":"neutral","sentiment_score":0.029123477637767792}],"sentiment":"neutral","sentiment_score":0.1581345483565987,"num_words":59,"start":1808.23,"end":1836.7},{"sentences":[{"text":"So you still have a while to worry about estate taxes.","start":1836.7,"end":1839.1799,"sentiment":"neutral","sentiment_score":-0.11460296725007621},{"text":"It's not too big of an issue.","start":1839.1799,"end":1841.2799,"sentiment":"neutral","sentiment_score":-0.060315540858677456},{"text":"When it goes to dependent children and spouses, you're pretty well okay.","start":1841.4199,"end":1845.84,"sentiment":"neutral","sentiment_score":0.09931939529875915},{"text":"But the older they get, once they start approaching 18, if you're wanting to provide for them financially, then you need to start looking at some other structures.","start":1847.235,"end":1854.535,"sentiment":"neutral","sentiment_score":-0.08486134119864021},{"text":"Cool.","start":1856.675,"end":1857.175,"sentiment":"neutral","sentiment_score":0.14547571539878845}],"sentiment":"neutral","sentiment_score":-0.04612966983626455,"num_words":59,"start":1836.7,"end":1857.175},{"sentences":[{"text":"Are you okay to leave each other on for the super at the moment?","start":1858.2101,"end":1860.9501,"sentiment":"neutral","sentiment_score":0.07600899785757065},{"text":"Perfect.","start":1863.5701,"end":1864.0701,"sentiment":"neutral","sentiment_score":0.31906265020370483},{"text":"And I'm just gonna double check on the life insurance.","start":1864.2101,"end":1867.25,"sentiment":"neutral","sentiment_score":0.09451125040650368},{"text":"I can't actually see it on the certificate, but I'll double check it.","start":1867.25,"end":1870.455,"sentiment":"neutral","sentiment_score":0.03402135091332289},{"text":"I'm assuming you guys want that to be the same on the life insurance as well.","start":1870.5349,"end":1874.475,"sentiment":"neutral","sentiment_score":0.09645067853853106}],"sentiment":"neutral","sentiment_score":0.07988499153267455,"num_words":54,"start":1858.2101,"end":1874.475},{"sentences":[{"text":"Yep.","start":1875.575,"end":1876.075,"sentiment":"neutral","sentiment_score":0.08555286377668381},{"text":"K.","start":1876.2949,"end":1876.7949,"sentiment":"neutral","sentiment_score":0.0464874804019928},{"text":"Just bear in mind as well that life insurance can pretty much go anywhere.","start":1877.255,"end":1880.615,"sentiment":"neutral","sentiment_score":0.03297927337033408},{"text":"It doesn't have that similar restriction to super in terms of taxes.","start":1880.615,"end":1884.3949,"sentiment":"neutral","sentiment_score":0.006380218702057998},{"text":"So if you did wanna split that differently, that's pretty easy to do.","start":1884.66,"end":1888.52,"sentiment":"neutral","sentiment_score":0.09125345357908653}],"sentiment":"neutral","sentiment_score":0.04528311444673597,"num_words":41,"start":1875.575,"end":1888.52},{"sentences":[{"text":"But I'll just double check that you guys are on there.","start":1888.74,"end":1891.48,"sentiment":"neutral","sentiment_score":0.037015645002776924},{"text":"Fishery.","start":1893.86,"end":1894.36,"sentiment":"neutral","sentiment_score":0.04052134603261947},{"text":"Cool.","start":1895.2201,"end":1895.54,"sentiment":"neutral","sentiment_score":0.08919467031955719},{"text":"Any questions on that?","start":1895.54,"end":1896.3401,"sentiment":"neutral","sentiment_score":0.04172445274889469},{"text":"I know I'm kind of just bombarding a bit of information there.","start":1896.3401,"end":1899.06,"sentiment":"neutral","sentiment_score":-0.035498445853590965}],"sentiment":"neutral","sentiment_score":0.009579468004662415,"num_words":29,"start":1888.74,"end":1899.06},{"sentences":[{"text":"Does that make sense?","start":1899.06,"end":1900.12,"sentiment":"neutral","sentiment_score":-0.019229589961469173},{"text":"Perfect.","start":1903.785,"end":1904.285,"sentiment":"neutral","sentiment_score":0.2523123621940613},{"text":"So definitely get the will and the power of attorney sorted.","start":1904.8251,"end":1907.145,"sentiment":"neutral","sentiment_score":0.11562048237432133},{"text":"Do you guys remember what the power of attorney does?","start":1907.145,"end":1909.2451,"sentiment":"neutral","sentiment_score":0.021827641502022745},{"text":"That's the one.","start":1914.84,"end":1915.7999,"sentiment":"neutral","sentiment_score":0.03353999679287275}],"sentiment":"neutral","sentiment_score":0.060900541857398786,"num_words":29,"start":1899.06,"end":1915.7999},{"sentences":[{"text":"Yep.","start":1915.7999,"end":1916.2799,"sentiment":"neutral","sentiment_score":0.11846231669187546},{"text":"Bank accounts and doctors.","start":1916.2799,"end":1917.98,"sentiment":"neutral","sentiment_score":0.15501019731163979},{"text":"Just avoid having to go to court for probate and all that kind of thing.","start":1918.6,"end":1922.1399,"sentiment":"neutral","sentiment_score":0.10996446013450623},{"text":"Perfect.","start":1923.32,"end":1923.72,"sentiment":"positive","sentiment_score":0.5738529562950134},{"text":"Perfect.","start":1923.72,"end":1924.12,"sentiment":"positive","sentiment_score":0.5409133434295654}],"sentiment":"neutral","sentiment_score":0.15921528671275487,"num_words":22,"start":1915.7999,"end":1924.12},{"sentences":[{"text":"So wills and power of attorney will sort, make sure the beneficiaries are in place.","start":1924.12,"end":1928.0599,"sentiment":"neutral","sentiment_score":0.320876932144165},{"text":"We'll update the super portfolios a little bit, and we'll kind of leave the insurance as is for the time being.","start":1928.4349,"end":1935.415,"sentiment":"neutral","sentiment_score":0.29751509924729663},{"text":"Does that sound okay for you guys?","start":1935.475,"end":1937.175,"sentiment":"neutral","sentiment_score":0.2855123792375837},{"text":"Perfect.","start":1938.915,"end":1939.395,"sentiment":"positive","sentiment_score":0.4513833820819855},{"text":"Is there anything else that's kind of a a major focus for you over the next three to five years goals wise?","start":1939.395,"end":1944.62,"sentiment":"neutral","sentiment_score":0.2937546636570584}],"sentiment":"neutral","sentiment_score":0.3026294500538797,"num_words":66,"start":1924.12,"end":1944.62},{"sentences":[{"text":"Mhmm.","start":1954.52,"end":1955.02,"sentiment":"neutral","sentiment_score":0.026139739900827408},{"text":"Okay.","start":1972.7101,"end":1973.2101,"sentiment":"neutral","sentiment_score":0.0407559908926487},{"text":"So I don't wanna kind of jump the gun too much with strategizing that, but your two options are either rent out your current house and borrow into a bigger home.","start":1973.91,"end":1985.695,"sentiment":"neutral","sentiment_score":-0.0044003809171338235},{"text":"That's one of the options.","start":1985.695,"end":1987.075,"sentiment":"neutral","sentiment_score":0.1322676420211792},{"text":"If you would like to as well, just consider this in the back of your mind that you don't have to keep the current house if you don't think it's gonna be a good rental because what tends to happen is people pile on the most debt onto their main mortgage, which is not deductible like an investment would be.","start":1988.495,"end":2006.5499,"sentiment":"neutral","sentiment_score":0.04273686992625395}],"sentiment":"neutral","sentiment_score":0.032204431918810825,"num_words":98,"start":1954.52,"end":2006.5499},{"sentences":[{"text":"So one of the tricks I've seen people do, and I've even done it myself, is actually sell off that current place, go into that upgraded home with much less debt, and then borrow big off of that into an investment property.","start":2006.5499,"end":2018.845,"sentiment":"neutral","sentiment_score":0.043215591903953327},{"text":"So do a two step approach instead of a one step approach.","start":2018.985,"end":2022.045,"sentiment":"neutral","sentiment_score":0.04736507994433244},{"text":"Yeah.","start":2035.56,"end":2036.06,"sentiment":"neutral","sentiment_score":-0.08936630189418793},{"text":"Gotcha.","start":2042.135,"end":2042.635,"sentiment":"neutral","sentiment_score":-0.019522249698638916},{"text":"Uh-huh.","start":2057.11,"end":2057.61,"sentiment":"neutral","sentiment_score":0.0569426529109478}],"sentiment":"neutral","sentiment_score":0.04090333194063421,"num_words":57,"start":2006.5499,"end":2057.61},{"sentences":[{"text":"Yeah.","start":2057.6702,"end":2057.9102,"sentiment":"neutral","sentiment_score":0.08671225607395172},{"text":"We're in the Gold Coast.","start":2057.9102,"end":2059.21,"sentiment":"neutral","sentiment_score":0.1122165396809578},{"text":"So you think it might be a pretty good growth growth area for the value?","start":2066.085,"end":2069.625,"sentiment":"neutral","sentiment_score":0.28802305708328885},{"text":"Yeah.","start":2088.675,"end":2089.175,"sentiment":"neutral","sentiment_score":0.019413497298955917},{"text":"And when it comes to that serviceability discussion you had with your broker, were you on maternity leave at the time, or were you working full time when you checked that?","start":2091.395,"end":2099.25,"sentiment":"neutral","sentiment_score":-0.03729835561206264}],"sentiment":"neutral","sentiment_score":0.07228877894439788,"num_words":53,"start":2057.6702,"end":2099.25},{"sentences":[{"text":"Yep.","start":2102.05,"end":2102.37,"sentiment":"neutral","sentiment_score":-0.015179317444562912},{"text":"And it still looked pretty rough.","start":2102.37,"end":2103.91,"sentiment":"neutral","sentiment_score":-0.23428643743197122},{"text":"Yeah.","start":2119.585,"end":2120.085,"sentiment":"neutral","sentiment_score":-0.0957922786474228},{"text":"Mhmm.","start":2135.36,"end":2135.86,"sentiment":"neutral","sentiment_score":-0.006880335509777069},{"text":"Yeah.","start":2152.68,"end":2153.18,"sentiment":"neutral","sentiment_score":-0.02128649689257145}],"sentiment":"neutral","sentiment_score":-0.15448570530861616,"num_words":10,"start":2102.05,"end":2153.18},{"sentences":[{"text":"Yeah.","start":2163.335,"end":2163.735,"sentiment":"neutral","sentiment_score":-0.13122236728668213},{"text":"They definitely have tightened the belts a little bit, and the serviceability is really rough because they do, like, bank valuations, and the rental estimates as well can be a bit rough, whereas it's really, really easy in Queensland, for example, to have that $800,000 house that rents for $8.50 a week, and it's a really good percentage, and it always kind of hits neutral or positively geared.","start":2163.735,"end":2189.2249,"sentiment":"neutral","sentiment_score":-0.07617449378320838},{"text":"But the moment you start talking about one or two properties in a million, if that's not renting for, like, 1,200 a week, 1,300 a week, 1,400 a week, the percentages start to throw it out of whack really heavily.","start":2189.285,"end":2200.265,"sentiment":"negative","sentiment_score":-0.368490198161453},{"text":"Like, would you be able to rent it for more than 800 a week, do you think?","start":2200.565,"end":2204.16,"sentiment":"neutral","sentiment_score":0.00610517305048073},{"text":"Yeah.","start":2209.74,"end":2210.14,"sentiment":"neutral","sentiment_score":0.0806964635848999}],"sentiment":"neutral","sentiment_score":-0.15642686193354252,"num_words":127,"start":2163.335,"end":2210.14},{"sentences":[{"text":"So a good rule of thumb that I do for rentals is the the nearest 100,000 versus the weekly amount.","start":2210.14,"end":2217.02,"sentiment":"neutral","sentiment_score":0.10811127591878175},{"text":"So 500,000, 500 a week, 800 thousand, 800 a week, that's your five percent rental return.","start":2217.02,"end":2222.905,"sentiment":"neutral","sentiment_score":-0.023174785543233156},{"text":"Yeah.","start":2229.125,"end":2229.605,"sentiment":"neutral","sentiment_score":0.04899407178163528},{"text":"So anything 5% or above is a good yield, I guess I would say, if I had to use the buzzword for it.","start":2229.605,"end":2235.18,"sentiment":"neutral","sentiment_score":0.04567938994454301},{"text":"If you start going below 5%, it makes the the loan serviceability look really whack.","start":2235.26,"end":2240.64,"sentiment":"neutral","sentiment_score":-0.21313730080922444}],"sentiment":"neutral","sentiment_score":-0.004080140292644501,"num_words":75,"start":2210.14,"end":2240.64},{"sentences":[{"text":"Yeah.","start":2270.17,"end":2270.67,"sentiment":"neutral","sentiment_score":0.15492229163646698},{"text":"Yeah.","start":2292.84,"end":2292.92,"sentiment":"neutral","sentiment_score":0.0592346265912056},{"text":"And then they start adding on top the the home insurance, the rates, and then all of a sudden, it's like a thousand, 11 100 a week.","start":2292.92,"end":2301.595,"sentiment":"neutral","sentiment_score":-0.018889661671386823},{"text":"Yeah.","start":2302.375,"end":2302.875,"sentiment":"neutral","sentiment_score":0.04460001736879349},{"text":"But, yeah, it's definitely an idea to consider.","start":2303.975,"end":2306.295,"sentiment":"neutral","sentiment_score":0.16946068219840527}],"sentiment":"neutral","sentiment_score":0.02906372442253326,"num_words":38,"start":2270.17,"end":2306.295},{"sentences":[{"text":"I'm not gonna sort of steer either direction.","start":2306.295,"end":2308.615,"sentiment":"neutral","sentiment_score":-0.0743951597250998},{"text":"But if you were to, for example, get the home that you need for the family and then look elsewhere rather than just skipping from where you've lived, you've got buyers agents everywhere who are trying to sell properties in rural rural WA or Queensland with high yields.","start":2308.615,"end":2326.03,"sentiment":"neutral","sentiment_score":0.04470259106407563},{"text":"You've got different cities.","start":2326.445,"end":2327.265,"sentiment":"neutral","sentiment_score":0.10600893758237362},{"text":"You've got commercial property.","start":2327.645,"end":2329.185,"sentiment":"neutral","sentiment_score":0.09548986330628395},{"text":"You're not limited if you can kind of just detach the emotional side from the previous place and look abroad.","start":2329.405,"end":2335.505,"sentiment":"neutral","sentiment_score":-0.02138558402657509}],"sentiment":"neutral","sentiment_score":0.02296245971783286,"num_words":84,"start":2306.295,"end":2335.505},{"sentences":[{"text":"But, yeah, and most people just hop from one to the other and invest behind them instead of actually saying, okay.","start":2336.205,"end":2344.7,"sentiment":"neutral","sentiment_score":0.18491251269976297},{"text":"Let's go to a new plateau, clean the base, and then build from there.","start":2344.7,"end":2349.0398,"sentiment":"neutral","sentiment_score":0.1262356819851058},{"text":"So we do have one buyer's agent that we've been talking to towards the end of last year.","start":2356.155,"end":2362.095,"sentiment":"neutral","sentiment_score":0.12818065989348623},{"text":"When it comes time, I can kind of pass on his details to you.","start":2363.34,"end":2366.7002,"sentiment":"neutral","sentiment_score":0.013256866218788283},{"text":"He used to be a financial planner, and now he specializes in finding properties around Australia, commercial and rural.","start":2366.7002,"end":2374.0,"sentiment":"neutral","sentiment_score":0.014351725382240195}],"sentiment":"neutral","sentiment_score":0.09786038490575413,"num_words":86,"start":2336.205,"end":2374.0},{"sentences":[{"text":"There's heaps of them everywhere, though, and your broker may be out of help, but buyer's agents are getting more and more popular for that reason.","start":2374.3801,"end":2381.865,"sentiment":"neutral","sentiment_score":-0.02521834669348139},{"text":"Yep.","start":2383.445,"end":2383.7651,"sentiment":"neutral","sentiment_score":0.23172995448112488},{"text":"But if you ever need to, yeah, I can absolutely pass on the details.","start":2383.7651,"end":2386.745,"sentiment":"neutral","sentiment_score":0.09370518129851137},{"text":"I probably wouldn't do it right now until you're comfortably back at work and the budget's looking good and the family's stable, and then look at it.","start":2387.045,"end":2395.12,"sentiment":"neutral","sentiment_score":0.16110561346566235},{"text":"Yeah.","start":2401.02,"end":2401.26,"sentiment":"neutral","sentiment_score":0.014055242761969566}],"sentiment":"neutral","sentiment_score":0.07611351137629886,"num_words":69,"start":2374.3801,"end":2401.26},{"sentences":[{"text":"Yep.","start":2401.26,"end":2401.5,"sentiment":"neutral","sentiment_score":0.002422008663415909},{"text":"And the last thing you want is interest rates to spike up even further, cost of living spike up, and then to have an issue where you don't get to rent the place out for a couple of months, and then all of a sudden you're in a risky position.","start":2401.5,"end":2414.605,"sentiment":"neutral","sentiment_score":-0.11857649393379688},{"text":"Yeah.","start":2416.825,"end":2417.225,"sentiment":"neutral","sentiment_score":0.04423827305436134},{"text":"Does that sound alright?","start":2417.225,"end":2418.365,"sentiment":"neutral","sentiment_score":0.08136467263102531},{"text":"Perfect.","start":2420.53,"end":2421.03,"sentiment":"positive","sentiment_score":0.5202843546867371}],"sentiment":"neutral","sentiment_score":-0.08835826964493383,"num_words":57,"start":2401.26,"end":2421.03},{"sentences":[{"text":"The other question I had as well just to kinda cap things off is, do you guys ever wanna consider any type of personal investment, be it shares, managed fund, anything besides property as well down the line, or would you prefer to stick to the property and super route?","start":2421.65,"end":2436.285,"sentiment":"neutral","sentiment_score":0.003971315734088421},{"text":"Yeah.","start":2462.4548,"end":2462.855,"sentiment":"neutral","sentiment_score":0.0329776369035244},{"text":"And it's one thing that, like, we do give that sort of range of advice.","start":2462.855,"end":2466.4548,"sentiment":"neutral","sentiment_score":0.12445858543117841},{"text":"And I think the moment you get into the upgraded home for the family, that's gonna be a big focus for your cash flow for a number of years.","start":2466.4548,"end":2473.59,"sentiment":"neutral","sentiment_score":0.20361927331521593},{"text":"And then if after that you wanna branch out, we're happy to go either direction, whatever kind of interest and is comfortable for you guys.","start":2473.97,"end":2481.83,"sentiment":"neutral","sentiment_score":0.24275826498866082}],"sentiment":"neutral","sentiment_score":0.11726948129944503,"num_words":120,"start":2421.65,"end":2481.83},{"sentences":[{"text":"The only example I would give is your like, your hub twenty four super as an example.","start":2482.05,"end":2487.03,"sentiment":"neutral","sentiment_score":0.17042456567287445},{"text":"You guys are actually linked together for family fee linking to reduce the fees.","start":2487.3052,"end":2492.8452,"sentiment":"neutral","sentiment_score":0.1739286785679204},{"text":"They also offer investment accounts, which are identical to your super account, and you can have them all linked up together and reduce the fees, and you can invest in anything you want, whether it's property, shares, fixed interest, build a portfolio that mimics your super.","start":2495.225,"end":2509.11,"sentiment":"neutral","sentiment_score":0.25880295977644296},{"text":"Maybe it's safer.","start":2509.33,"end":2510.3901,"sentiment":"neutral","sentiment_score":0.277541716893514},{"text":"You've pretty much got full flexibility there.","start":2510.6902,"end":2513.175,"sentiment":"positive","sentiment_score":0.41799355830465046}],"sentiment":"neutral","sentiment_score":0.24133029109102555,"num_words":87,"start":2482.05,"end":2513.175},{"sentences":[{"text":"So it's always an option if you wanna go that route, bit of a dip your toe in the water rather than borrowing a million dollars for a property.","start":2513.2551,"end":2520.875,"sentiment":"neutral","sentiment_score":0.10035897707887764},{"text":"Cool.","start":2523.0151,"end":2523.5151,"sentiment":"neutral","sentiment_score":0.26645976305007935},{"text":"I always find it probably better to get the two properties first, though.","start":2523.575,"end":2526.7952,"sentiment":"neutral","sentiment_score":0.18028803169727325},{"text":"Make sure the mortgage is nice and low, have your other asset next to you, and then look at, okay, maybe we'll start doing some cash flow into investing or something after that or even invest for the children as well.","start":2527.0598,"end":2538.3398,"sentiment":"neutral","sentiment_score":0.18835379710284675},{"text":"Is that something you guys might want to?","start":2538.3398,"end":2540.2798,"sentiment":"neutral","sentiment_score":0.09315488301217556}],"sentiment":"neutral","sentiment_score":0.15204738321430658,"num_words":92,"start":2513.2551,"end":2540.2798},{"sentences":[{"text":"No.","start":2544.775,"end":2545.015,"sentiment":"neutral","sentiment_score":-0.104717455804348},{"text":"You guys need to sort your own situations out first once that's stable.","start":2545.015,"end":2548.9348,"sentiment":"neutral","sentiment_score":-0.04350433871150017},{"text":"If you wanna kind of help them build a house deposit, we can look at that, but I'm thinking more like five to seven years down the line.","start":2548.9348,"end":2555.1,"sentiment":"neutral","sentiment_score":0.03532516215428976},{"text":"Perfect.","start":2557.74,"end":2558.24,"sentiment":"positive","sentiment_score":0.390409380197525},{"text":"Do you guys have any other questions for me so far before I kind of wrap things up?","start":2558.4602,"end":2561.84,"sentiment":"neutral","sentiment_score":0.08320695679220888}],"sentiment":"neutral","sentiment_score":0.03617975874956636,"num_words":61,"start":2544.775,"end":2561.84},{"sentences":[{"text":"Amazing.","start":2564.9402,"end":2565.4402,"sentiment":"positive","sentiment_score":0.4869173765182495},{"text":"That document there does have your service agreements for the next twelve months.","start":2566.4602,"end":2571.075,"sentiment":"neutral","sentiment_score":0.2476372650036445},{"text":"You should be on, and I wanna just double check on my system.","start":2572.035,"end":2576.375,"sentiment":"neutral","sentiment_score":0.20320929816135994},{"text":"You guys should be on the partnered fee discount of 1.1% rather than the usual 1.65.","start":2576.515,"end":2583.335,"sentiment":"neutral","sentiment_score":0.16048402478918433},{"text":"So I did wanna ask if you're still comfortable for us to look after the super.","start":2583.6,"end":2587.1401,"sentiment":"neutral","sentiment_score":0.11400154908187687}],"sentiment":"neutral","sentiment_score":0.1820286759254286,"num_words":59,"start":2564.9402,"end":2587.1401},{"sentences":[{"text":"Cool.","start":2589.6802,"end":2590.0,"sentiment":"neutral","sentiment_score":0.2002448737621307},{"text":"I'm just gonna have a quick double check.","start":2590.0,"end":2591.52,"sentiment":"neutral","sentiment_score":0.05027117719873786},{"text":"I don't want you to sign anything until I've double checked it just because I've shot out the two separate emails.","start":2591.52,"end":2596.32,"sentiment":"neutral","sentiment_score":-0.10030929478151458},{"text":"So I just wanna make sure they're both correct.","start":2596.32,"end":2598.1,"sentiment":"neutral","sentiment_score":0.04655523267057207},{"text":"K.","start":2600.9749,"end":2601.375,"sentiment":"neutral","sentiment_score":0.025055764243006703}],"sentiment":"neutral","sentiment_score":-0.02650070101954043,"num_words":40,"start":2589.6802,"end":2601.375},{"sentences":[{"text":"We've got Patrick.","start":2601.375,"end":2604.355,"sentiment":"neutral","sentiment_score":0.08173976838588715},{"text":"Now while I'm just pulling these two emails up, do you guys want me to put you in for any kind of quarterly contacts every six months, or would you prefer just to kind of go through that update with me in a couple of weeks and then leave it for the annual review?","start":2606.1748,"end":2620.25,"sentiment":"neutral","sentiment_score":0.04483270410586287},{"text":"Yeah.","start":2623.9102,"end":2624.4102,"sentiment":"neutral","sentiment_score":0.04408135265111923},{"text":"Yep.","start":2635.765,"end":2636.265,"sentiment":"neutral","sentiment_score":0.2596439719200134},{"text":"No.","start":2638.34,"end":2638.58,"sentiment":"neutral","sentiment_score":-0.007029637694358826}],"sentiment":"neutral","sentiment_score":0.049381350229183836,"num_words":60,"start":2601.375,"end":2638.58},{"sentences":[{"text":"That's perfect.","start":2638.58,"end":2639.3,"sentiment":"neutral","sentiment_score":0.3213668465614319},{"text":"I'll leave it for the annual review for now.","start":2639.3,"end":2641.06,"sentiment":"neutral","sentiment_score":0.3217221101125081},{"text":"If anything pops up, please just call through and book an appointment, and I'm happy to help out.","start":2641.06,"end":2645.8,"sentiment":"positive","sentiment_score":0.45635986328125},{"text":"Awesome, guys.","start":2647.46,"end":2648.02,"sentiment":"positive","sentiment_score":0.8359782099723816},{"text":"I'll leave those two emails with you, and the team will probably call you in about a fortnight just to walk through those updated plans together.","start":2648.02,"end":2654.7449,"sentiment":"positive","sentiment_score":0.5676594342176731}],"sentiment":"positive","sentiment_score":0.4944528409263544,"num_words":57,"start":2638.58,"end":2654.7449},{"sentences":[{"text":"Thank you so much.","start":2657.045,"end":2657.765,"sentiment":"positive","sentiment_score":0.8589051812887192},{"text":"Have a fantastic day.","start":2657.765,"end":2659.065,"sentiment":"positive","sentiment_score":0.7529406100511551},{"text":"Bye.","start":2660.2449,"end":2660.7449,"sentiment":"neutral","sentiment_score":-0.09946536272764206}],"sentiment":"positive","sentiment_score":0.7053242002924284,"num_words":9,"start":2657.045,"end":2660.7449}]}}]},{"alternatives":[{"transcript":"Patrick speaking. Good. Good. I've you rang Misha's phone, but, yeah, we're together anyway. That's my wife. So yeah. Phone service? Yeah. Okay. Yeah. Yeah. No. No. No. No. I'll just put it on speaker, and, yeah, Misha's here now. So How are you going? Yeah. Like, 22. It's not too bad. Yeah. It's sunny. Yeah. Kind of. Yes. Of course. Yep. Yes. Yep. So date of birth is 06/05/1984, and address is 52 Bryant Avenue, Middleton Grange, New South Wales 2171. Yeah. The 1987. Same address. Yes. Maybe if you could send them both through to Pat's email address, but, yeah, we we're we kind of wanted to have the call today just to make sure because I can't remember if we sorted out last time that we can speak on each other's behalf. So we just wanna make sure that is also sorted as well. Yep. Okay. Yep. Yep. Uh-huh. Okay. Yep. Yes. Of course. Yep. No problem. Okay. Yep. Yep. Yeah. Here we go. Let's see if it's here we go. Yep. Yep. To sign yep. So to sign the document, basically, is that the or you got the attachment below? At the bottom. Yep. Yep. Yeah. Okay. Yep. I believe I did. Yeah. Yeah. It was a couple of years ago, though. Yeah. The time we did it was just before we were due without third. So it was yeah. I can't remember if we finalized that or not. Okay. Yeah. Okay. And then Okay. Maybe you can confirm for me as well that we both have life insurance. Can you check that on your Pretty sure we do. But yeah. Yeah. Yep. Okay. Yep. Yep. Yeah. Okay. Great. Thank you. Yep. Okay. Great. Yep. I'll go back to work in August. So we kind of signed me we got me across to you guys not long before we had our third child, so then I went on mat leave not long after. But, otherwise, there's been no real changes. No. I just haven't been I've only been receiving like, I received a little bit of a government payment and then from my work, but I'll be back in August. Yep. Okay. Yeah. It's probably going up a little bit, but, yeah, it's around that month, I think. That that's That's about super. Right? Yeah. Yeah. I think Yep. Yeah. So I think it's alright. Yeah. Call it one thirty. Yeah. So I think it's around that. Yeah. I think, say, a comfortable value for the property would should be 1.2, say. And it's probably about the same because we've got the whole, you know, the whole offset and that kind of structure happening. Yeah. That was a while ago. Yeah. No. I haven't been working. So it's kinda been on one salary. Yeah. So it's kinda been a bit in terms of okay. So say however much is owing, say call it let's say, 500, say, and then if you take out all the other offsets and all that, it's probably about that same amount, that's $3.53 80 mark. So I don't know how you yeah. I don't know how you did you want the net owing, or is it more what's, you know, up there? Yes. I reckon if if you get rid of all the offsets and take it all off, we're probably owing, let's say, $3.80, something like that. Oh, no. So Pat's car is a work car, so that doesn't come into it. It's just my Volkswagen, which we now own outright. Yeah. No. Jeez. No. No. No. No. No. Yes. Yes. Yep. No. Three. Three children. That's okay. But we that's done now. The the family unit is done. At the start, it was a bit of a shock for our second. But now I would say our second's better with the youngest, whereas that eldest is probably a little bit more unfazed, but he's leaning a little bit more into his relationship with Pat. Like, they get a bit more one on one time. Yep. Yeah. Yeah. Still there. Yep. No bankruptcy. What what was that first one? Debt? No debt. Not debt. No. Oh, if if Pardonnay has ever been affected by that? Yeah. No. No. No. Mhmm. Sorry. Can you could sorry. Can you repeat that again? How much you're how much you're paying for the Oh. Insurance? Okay. Yep. Okay. Yep. Yeah. It's probably it's enough. Yeah. It's definitely enough. I don't I don't know how to say how you clarify if it is too much or, but, yeah, it covers them. I think we'll leave it as Yeah. Yeah. It covers the debt, and you've got extra, but yeah. Yeah. Yeah. Yeah. Okay. Yeah. That's fine. Yeah. Yeah. That's fine. Yeah. Yeah. Okay. Yep. Yeah. Yeah. Mhmm. Yep. Yep. Yep. Okay. Great. Yep. A bit more. Yeah. It might be a bit more. But you guys so we do it would it include my car allowance? Yeah. I think my, yeah, my car allowance got has gone up to 17 and a half. Okay. Yep. Yeah. Okay. Yep. Yeah. Mhmm. Yeah. That's yeah. Okay. Yeah. Okay. That's good. Yes. Yes. Okay. The first is sessions. Yep. Yeah. Yeah. I do every now and then. I've I've maybe done it once or twice. Yeah. Like, it did it did go up quite well because I think from memory from memory, it got up to, like, three twenty in the account, but then I know that it dropped off in the last few months or or so. And, yeah, I think last time I checked, it was maybe around two eighty, two ninety, maybe. So, yeah, but I think that's off very far, is it? Yeah. So it did yeah. Like, I think it was probably happened everywhere, that big drop off. But, yeah, it's yeah. It's okay for now, I guess. We're not retiring yet. So Yeah. Yep. Yeah. Yeah. Okay. Yeah. Okay. Yeah. Yeah. Okay. So there's a range that you yeah. Okay. Cool. That's good to know. Which page are you looking at? Sorry. Yes. Yep. Yep. K. Yep. Yeah. Yes. Yep. Okay. So return net fee is 30.9%. Is that yeah. Okay. Yeah. In terms of the percentage. Is that what you yeah. Okay. Because I don't know where I yeah. Yeah. 118. So I should put everything in that. Yeah. Yeah. Oh, so in brackets, it's negative. Is that what you said? Yeah. Okay. Mhmm. Yep. Okay. Yeah. Yeah. Okay. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. That's good. You talk about low fees in terms of the insurance. So I think or just the the monthly fee that you guys take. Yeah. Yeah. I think yeah. I think this for me, the second the second one. Yeah. Hang on. Yes. Yeah. Oh, yeah. Well, I think Yes. Mhmm. Oh, fantastic. Yeah. Yeah. Yeah. Yeah. We did the same as you? Yes. Yeah. Because I'm going back in August, and we'll start to see some contributions then. I think we do the same as Pat. So it's okay if yeah. Maybe the fees are a bit higher, but, yes, that's okay. So it's the second option as well. Mhmm. Yep. Okay. Great. Yep. With that stuff, not not for today, but I have see been seeing some things about trust and things like that. So, you know, in terms of, like, I guess there's some future proofing and things like that, whereas maybe some of the money can go to the boys instead of to each other. Can we look into that with you one day? Yes. Yep. Yep. Mhmm. Yep. Yes. This is more so packets and mistress or something. You know? I'm joking. Yes. No. But, like, the wheel's been on our list for a little while, so we we haven't really got one. Yep. Yep. Mhmm. Yep. Sorry. It is essentially it's a wheel and another way of doing a wheel. Is this kinda neat or a little bit? Yep. Yeah. Okay. Yeah. That's good. Mhmm. Yeah. Yep. Mhmm. Is this is this something well, it might be a little bit side topic, but something about where I think I must have got served something like this, but it's where say if your parents or say we wanted to pass our house to the kids, if you put the house in the trust, then they don't pay the capital gains. Is that is it something along the lines of that? Like, where you can do this? Or I might yeah. Yeah. Yep. Mhmm. Yeah. Yep. Yep. Yeah. Okay. K. So they wouldn't pay Capital Gains. They wouldn't pay. Yeah. Yeah. I think I was yeah. I think that's what I was trying to explain. But yeah. No. You're not. Yeah. Okay. Good. And it's like some people end up almost, like, say their parents pass and the parents give something to them. Some of the kids will actually end up disadvantaged by getting things because they have to pay tax or whatever on whatever they inherit. Yeah. Okay. Yep. Yep. But you can put something into place so they don't cop the tax, the dependents. Yeah. Okay. Cool. Yeah. Okay. That's good. He's seven in August. Yep. Yes. Mhmm. Yes. Yeah. Yeah. For the moment. Yep. Yes, please. Okay. Yep. Not yet yet. All good. Yeah. If, like, if I can't speak Just to act on Yeah. That's Yeah. Yep. Mhmm. Yep. Goals wise, I think we're we we probably feel like we've outgrown this house a little bit, but we wanted to see, I guess, how things look once I'm back working full time. So whether, like, let's say, 2027, let's say we're either looking at maybe getting an investment or we might need to upgrade. We could go either way. Mhmm. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yep. Yeah. Yeah. When we because we do have a we do have a a broker we used to get this place. When we spoke to her a little while ago, and it was before, I guess, like, all these world events at the moment, But we couldn't really afford to keep this house and buy where we wanna buy. So but things might change, like, when, you know, 2027 because I think this house would be, in a way, good to hold on to, Pat, because we're close to the new Western Sydney Airport. You you're based in Brisbane. Right? Gold Coast. Yeah. Gold Coast. So, yeah, we are near that new Mhmm. Mhmm. Closest to that new airport. So, yeah, we'll just have to see. Yeah. Well, it's growing. Currently, it's still is growing. Mhmm. Yeah. And because, yeah, we you're saying something similar get sold for as much as 1.4, 1.3, but I know comfortably, yeah, 1.2 would be a good value, say Yeah. On the house now. But, yeah, it's yeah. You just don't know. But She did it as if I was working. But I'm pretty yes. But we owned the car outright then too, and she said something like, you know because we didn't know we didn't have the car either. Like, the car was paid off. The only thing we did was, like, we lowered out we only have one credit card. We lowered that a little bit. But, yeah, it wasn't looking it wasn't looking great to be able to hold on to this place. What yeah. Yeah. Because I I think what the scenario we we just threw up was, say, we were to get a $1,600,000 home, say, and then we were to sell this one for was it 1.2 Yeah. Or something. Yeah. And then just how that would look and yeah. And it just seems We we were a bit we thought we'd be able to borrow more or be able to hold on to this place. But yeah. So we were a little bit taken back, but she did say that at the moment, the banks are definitely stricter with how they borrow like, yeah, give money out stuff. Yeah. Yeah. Yeah. Okay. Yeah. Yeah. Yeah. Yeah. Okay. I think it would be right on 800, I think, last time we checked. Yeah. 105. Yeah. Okay. No. I remember that. Yeah. Yeah. No. No. That's yeah. And it that's the a good ratio, you're saying? Yeah. You know what I'm saying? So so if it's, like, 800,000 is the house value, then you should be getting, say, 800 weekly. Oh, okay. Well, then it's not good yield on this. Yeah. Yeah. Yeah. They go above it. Yeah. But we're not like we're not you know, if we got our house that we wanted and we sold this, like you said, and then get an another investment, maybe not somewhere where we would ever live, but it's got got good rent, we're open to that as well. Yeah. The the the way I kinda did the the sum was, let's say, our minimum repayments, it's gone up a little bit, but say it's between the 800 and 900 a week. If we rented it out for 800, it covers it. So then anything you're earning in terms of getting an investment or another, that's you think you'd be able to get something. But yeah. I don't know. It just yeah. Okay. Yeah. Yeah. It's a bit harder. Yeah. Okay. I see. Yes. Mhmm. Yep. Yeah. Yeah. Yeah. Yeah. No. I think that's a good way to look at it. Yeah. Yep. Do you guys look for property or that's not in your scope, like, for your clients? Yep. Yep. Yep. Yep. Yeah. Okay. Cool. Yeah. That yeah. That's what we wanna do. We wanna make sure everything's settled before we, you know, go and lock ourselves into something. Yes. Yeah. Yeah. Yep. That sounds good. I think for now, this is yeah. Yeah. Yeah. Yeah. Like because it's like we've any extra money we would have, we would be putting on probably, yeah, into our property. Yeah. But not not anything extra for me at the moment. I don't know about you, Pat. Yeah. No. I haven't I've always thought about it, but I haven't really done the whole shares thing on my on my own or anything like that. So yeah. Yeah. Yeah. Yep. Okay. Yeah. Yeah. Okay. Yeah. Yeah. But not yet. Yes. Yes. Yeah. Yep. Not all good on our end. Thank you. Yes. Yeah. Yeah. Yep. Yeah. We'll leave it for the annual review for the time being. I think maybe when, like, yeah, when I'm back working and then, like, you know, if we're looking at maybe upgrading and stuff, then we might make it a little bit more regular. But, yeah, for the time being, this is good. Thank you. Fantastic. Alright. Fantastic. Thank you. Thanks. You too. 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speaking. Good. Good. I've you rang Misha's phone, but, yeah, we're together anyway. That's my wife.\n\nSo yeah. Phone service? Yeah. Okay. Yeah.\n\nYeah. No. No. No. No.\n\nI'll just put it on speaker, and, yeah, Misha's here now. So How are you going? Yeah. Like, 22. It's not too bad.\n\nYeah. It's sunny. Yeah. Kind of. Yes.\n\nOf course. Yep. Yes. Yep. So date of birth is 06/05/1984, and address is 52 Bryant Avenue, Middleton Grange, New South Wales 2171.\n\nYeah. The 1987. Same address. Yes. Maybe if you could send them both through to Pat's email address, but, yeah, we we're we kind of wanted to have the call today just to make sure because I can't remember if we sorted out last time that we can speak on each other's behalf.\n\nSo we just wanna make sure that is also sorted as well. Yep. Okay. Yep. Yep.\n\nUh-huh. Okay. Yep. Yes. Of course.\n\nYep. No problem. Okay. Yep. Yep.\n\nYeah. Here we go. Let's see if it's here we go. Yep. Yep.\n\nTo sign yep. So to sign the document, basically, is that the or you got the attachment below? At the bottom. Yep. Yep.\n\nYeah. Okay. Yep. I believe I did. Yeah.\n\nYeah. It was a couple of years ago, though. Yeah. The time we did it was just before we were due without third. So it was yeah.\n\nI can't remember if we finalized that or not. Okay. Yeah. Okay. And then Okay.\n\nMaybe you can confirm for me as well that we both have life insurance. Can you check that on your Pretty sure we do. But yeah. Yeah. Yep.\n\nOkay. Yep. Yep. Yeah. Okay.\n\nGreat. Thank you. Yep. Okay. Great.\n\nYep. I'll go back to work in August. So we kind of signed me we got me across to you guys not long before we had our third child, so then I went on mat leave not long after. But, otherwise, there's been no real changes. No.\n\nI just haven't been I've only been receiving like, I received a little bit of a government payment and then from my work, but I'll be back in August. Yep. Okay. Yeah. It's probably going up a little bit, but, yeah, it's around that month, I think.\n\nThat that's That's about super. Right? Yeah. Yeah. I think Yep.\n\nYeah. So I think it's alright. Yeah. Call it one thirty. Yeah.\n\nSo I think it's around that. Yeah. I think, say, a comfortable value for the property would should be 1.2, say. And it's probably about the same because we've got the whole, you know, the whole offset and that kind of structure happening. Yeah.\n\nThat was a while ago. Yeah. No. I haven't been working. So it's kinda been on one salary.\n\nYeah. So it's kinda been a bit in terms of okay. So say however much is owing, say call it let's say, 500, say, and then if you take out all the other offsets and all that, it's probably about that same amount, that's $3.53 80 mark. So I don't know how you yeah. I don't know how you did you want the net owing, or is it more what's, you know, up there?\n\nYes. I reckon if if you get rid of all the offsets and take it all off, we're probably owing, let's say, $3.80, something like that. Oh, no. So Pat's car is a work car, so that doesn't come into it. It's just my Volkswagen, which we now own outright.\n\nYeah. No. Jeez. No. No.\n\nNo. No. No. Yes. Yes.\n\nYep. No. Three. Three children. That's okay.\n\nBut we that's done now. The the family unit is done. At the start, it was a bit of a shock for our second. But now I would say our second's better with the youngest, whereas that eldest is probably a little bit more unfazed, but he's leaning a little bit more into his relationship with Pat. Like, they get a bit more one on one time.\n\nYep. Yeah. Yeah. Still there. Yep.\n\nNo bankruptcy. What what was that first one? Debt? No debt. Not debt.\n\nNo. Oh, if if Pardonnay has ever been affected by that? Yeah. No. No.\n\nNo. Mhmm. Sorry. Can you could sorry. Can you repeat that again?\n\nHow much you're how much you're paying for the Oh. Insurance? Okay. Yep. Okay.\n\nYep. Yeah. It's probably it's enough. Yeah. It's definitely enough.\n\nI don't I don't know how to say how you clarify if it is too much or, but, yeah, it covers them. I think we'll leave it as Yeah. Yeah. It covers the debt, and you've got extra, but yeah. Yeah.\n\nYeah. Yeah. Okay. Yeah. That's fine.\n\nYeah. Yeah. That's fine. Yeah. Yeah.\n\nOkay. Yep. Yeah. Yeah. Mhmm.\n\nYep. Yep. Yep. Okay. Great.\n\nYep. A bit more. Yeah. It might be a bit more. But you guys so we do it would it include my car allowance?\n\nYeah. I think my, yeah, my car allowance got has gone up to 17 and a half. Okay. Yep. Yeah.\n\nOkay. Yep. Yeah. Mhmm. Yeah.\n\nThat's yeah. Okay. Yeah. Okay. That's good.\n\nYes. Yes. Okay. The first is sessions. Yep.\n\nYeah. Yeah. I do every now and then. I've I've maybe done it once or twice. Yeah.\n\nLike, it did it did go up quite well because I think from memory from memory, it got up to, like, three twenty in the account, but then I know that it dropped off in the last few months or or so. And, yeah, I think last time I checked, it was maybe around two eighty, two ninety, maybe. So, yeah, but I think that's off very far, is it? Yeah. So it did yeah.\n\nLike, I think it was probably happened everywhere, that big drop off. But, yeah, it's yeah. It's okay for now, I guess. We're not retiring yet. So Yeah.\n\nYep. Yeah. Yeah. Okay. Yeah.\n\nOkay. Yeah. Yeah. Okay. So there's a range that you yeah.\n\nOkay. Cool. That's good to know. Which page are you looking at? Sorry.\n\nYes. Yep. Yep. K. Yep.\n\nYeah. Yes. Yep. Okay. So return net fee is 30.9%.\n\nIs that yeah. Okay. Yeah. In terms of the percentage. Is that what you yeah.\n\nOkay. Because I don't know where I yeah. Yeah. 118. So I should put everything in that.\n\nYeah. Yeah. Oh, so in brackets, it's negative. Is that what you said? Yeah.\n\nOkay. Mhmm. Yep. Okay. Yeah.\n\nYeah. Okay. Yeah. Yeah. Yeah.\n\nYeah. Yeah. Yeah. That's good. You talk about low fees in terms of the insurance.\n\nSo I think or just the the monthly fee that you guys take. Yeah. Yeah. I think yeah. I think this for me, the second the second one.\n\nYeah. Hang on. Yes. Yeah. Oh, yeah.\n\nWell, I think Yes. Mhmm. Oh, fantastic. Yeah. Yeah.\n\nYeah. Yeah. We did the same as you? Yes. Yeah.\n\nBecause I'm going back in August, and we'll start to see some contributions then. I think we do the same as Pat. So it's okay if yeah. Maybe the fees are a bit higher, but, yes, that's okay. So it's the second option as well.\n\nMhmm. Yep. Okay. Great. Yep.\n\nWith that stuff, not not for today, but I have see been seeing some things about trust and things like that. So, you know, in terms of, like, I guess there's some future proofing and things like that, whereas maybe some of the money can go to the boys instead of to each other. Can we look into that with you one day? Yes. Yep.\n\nYep. Mhmm. Yep. Yes. This is more so packets and mistress or something.\n\nYou know? I'm joking. Yes. No. But, like, the wheel's been on our list for a little while, so we we haven't really got one.\n\nYep. Yep. Mhmm. Yep. Sorry.\n\nIt is essentially it's a wheel and another way of doing a wheel. Is this kinda neat or a little bit? Yep. Yeah. Okay.\n\nYeah. That's good. Mhmm. Yeah. Yep.\n\nMhmm. Is this is this something well, it might be a little bit side topic, but something about where I think I must have got served something like this, but it's where say if your parents or say we wanted to pass our house to the kids, if you put the house in the trust, then they don't pay the capital gains. Is that is it something along the lines of that? Like, where you can do this? Or I might yeah.\n\nYeah. Yep. Mhmm. Yeah. Yep.\n\nYep. Yeah. Okay. K. So they wouldn't pay Capital Gains.\n\nThey wouldn't pay. Yeah. Yeah. I think I was yeah. I think that's what I was trying to explain.\n\nBut yeah. No. You're not. Yeah. Okay.\n\nGood. And it's like some people end up almost, like, say their parents pass and the parents give something to them. Some of the kids will actually end up disadvantaged by getting things because they have to pay tax or whatever on whatever they inherit. Yeah. Okay.\n\nYep. Yep. But you can put something into place so they don't cop the tax, the dependents. Yeah. Okay.\n\nCool. Yeah. Okay. That's good. He's seven in August.\n\nYep. Yes. Mhmm. Yes. Yeah.\n\nYeah. For the moment. Yep. Yes, please. Okay.\n\nYep. Not yet yet. All good. Yeah. If, like, if I can't speak Just to act on Yeah.\n\nThat's Yeah. Yep. Mhmm. Yep. Goals wise, I think we're we we probably feel like we've outgrown this house a little bit, but we wanted to see, I guess, how things look once I'm back working full time.\n\nSo whether, like, let's say, 2027, let's say we're either looking at maybe getting an investment or we might need to upgrade. We could go either way. Mhmm. Yeah. Yeah.\n\nYeah. Yeah. Yeah. Yeah. Yep.\n\nYeah. Yeah. When we because we do have a we do have a a broker we used to get this place. When we spoke to her a little while ago, and it was before, I guess, like, all these world events at the moment, But we couldn't really afford to keep this house and buy where we wanna buy. So but things might change, like, when, you know, 2027 because I think this house would be, in a way, good to hold on to, Pat, because we're close to the new Western Sydney Airport.\n\nYou you're based in Brisbane. Right? Gold Coast. Yeah. Gold Coast.\n\nSo, yeah, we are near that new Mhmm. Mhmm. Closest to that new airport. So, yeah, we'll just have to see. Yeah.\n\nWell, it's growing. Currently, it's still is growing. Mhmm. Yeah. And because, yeah, we you're saying something similar get sold for as much as 1.4, 1.3, but I know comfortably, yeah, 1.2 would be a good value, say Yeah.\n\nOn the house now. But, yeah, it's yeah. You just don't know. But She did it as if I was working. But I'm pretty yes.\n\nBut we owned the car outright then too, and she said something like, you know because we didn't know we didn't have the car either. Like, the car was paid off. The only thing we did was, like, we lowered out we only have one credit card. We lowered that a little bit. But, yeah, it wasn't looking it wasn't looking great to be able to hold on to this place.\n\nWhat yeah. Yeah. Because I I think what the scenario we we just threw up was, say, we were to get a $1,600,000 home, say, and then we were to sell this one for was it 1.2 Yeah. Or something. Yeah.\n\nAnd then just how that would look and yeah. And it just seems We we were a bit we thought we'd be able to borrow more or be able to hold on to this place. But yeah. So we were a little bit taken back, but she did say that at the moment, the banks are definitely stricter with how they borrow like, yeah, give money out stuff. Yeah.\n\nYeah. Yeah. Okay. Yeah. Yeah.\n\nYeah. Yeah. Okay. I think it would be right on 800, I think, last time we checked. Yeah.\n\n105. Yeah. Okay. No. I remember that.\n\nYeah. Yeah. No. No. That's yeah.\n\nAnd it that's the a good ratio, you're saying? Yeah. You know what I'm saying? So so if it's, like, 800,000 is the house value, then you should be getting, say, 800 weekly. Oh, okay.\n\nWell, then it's not good yield on this. Yeah. Yeah. Yeah. They go above it.\n\nYeah. But we're not like we're not you know, if we got our house that we wanted and we sold this, like you said, and then get an another investment, maybe not somewhere where we would ever live, but it's got got good rent, we're open to that as well. Yeah. The the the way I kinda did the the sum was, let's say, our minimum repayments, it's gone up a little bit, but say it's between the 800 and 900 a week. If we rented it out for 800, it covers it.\n\nSo then anything you're earning in terms of getting an investment or another, that's you think you'd be able to get something. But yeah. I don't know. It just yeah. Okay.\n\nYeah. Yeah. It's a bit harder. Yeah. Okay.\n\nI see. Yes. Mhmm. Yep. Yeah.\n\nYeah. Yeah. Yeah. No. I think that's a good way to look at it.\n\nYeah. Yep. Do you guys look for property or that's not in your scope, like, for your clients? Yep. Yep.\n\nYep. Yep. Yeah. Okay. Cool.\n\nYeah. That yeah. That's what we wanna do. We wanna make sure everything's settled before we, you know, go and lock ourselves into something. Yes.\n\nYeah. Yeah. Yep. That sounds good. I think for now, this is yeah.\n\nYeah. Yeah. Yeah. Like because it's like we've any extra money we would have, we would be putting on probably, yeah, into our property. Yeah.\n\nBut not not anything extra for me at the moment. I don't know about you, Pat. Yeah. No. I haven't I've always thought about it, but I haven't really done the whole shares thing on my on my own or anything like that.\n\nSo yeah. Yeah. Yeah. Yep. Okay.\n\nYeah. Yeah. Okay. Yeah. Yeah.\n\nBut not yet. Yes. Yes. Yeah. Yep.\n\nNot all good on our end. Thank you. Yes. Yeah. Yeah.\n\nYep. Yeah. We'll leave it for the annual review for the time being. I think maybe when, like, yeah, when I'm back working and then, like, you know, if we're looking at maybe upgrading and stuff, then we might make it a little bit more regular. But, yeah, for the time being, this is good.\n\nThank you. Fantastic. Alright. Fantastic. Thank you.\n\nThanks. You too. Bye bye.","paragraphs":[{"sentences":[{"text":"Patrick speaking.","start":1.76,"end":7.44,"sentiment":"neutral","sentiment_score":0.056886497884988785},{"text":"Good.","start":7.44,"end":7.7599998,"sentiment":"positive","sentiment_score":0.5561754703521729},{"text":"Good.","start":7.7599998,"end":8.24,"sentiment":"positive","sentiment_score":0.5193513631820679},{"text":"I've you rang Misha's phone, but, yeah, we're together anyway.","start":8.24,"end":12.32,"sentiment":"neutral","sentiment_score":0.2546174988150597},{"text":"That's my wife.","start":12.32,"end":13.759999,"sentiment":"neutral","sentiment_score":0.2224731594324112}],"sentiment":"neutral","sentiment_score":0.2589937821030617,"num_words":17,"start":1.76,"end":13.759999},{"sentences":[{"text":"So yeah.","start":13.759999,"end":14.98,"sentiment":"neutral","sentiment_score":0.18675744533538818},{"text":"Phone service?","start":18.735,"end":19.455,"sentiment":"neutral","sentiment_score":0.02394805569201708},{"text":"Yeah.","start":19.455,"end":19.855,"sentiment":"neutral","sentiment_score":0.000540642999112606},{"text":"Okay.","start":19.855,"end":20.355,"sentiment":"neutral","sentiment_score":0.0016294429078698158},{"text":"Yeah.","start":21.775,"end":22.275,"sentiment":"neutral","sentiment_score":-0.003347097896039486}],"sentiment":"neutral","sentiment_score":0.0600334271522505,"num_words":7,"start":13.759999,"end":22.275},{"sentences":[{"text":"Yeah.","start":28.654999,"end":29.154999,"sentiment":"neutral","sentiment_score":-0.05118998140096664},{"text":"No.","start":31.82,"end":32.14,"sentiment":"neutral","sentiment_score":-0.16744133830070496},{"text":"No.","start":32.14,"end":32.64,"sentiment":"neutral","sentiment_score":-0.2454987466335297},{"text":"No.","start":33.1,"end":33.5,"sentiment":"neutral","sentiment_score":-0.11533286422491074},{"text":"No.","start":33.5,"end":33.66,"sentiment":"neutral","sentiment_score":-0.1078268438577652}],"sentiment":"neutral","sentiment_score":-0.13745795488357543,"num_words":5,"start":28.654999,"end":33.66},{"sentences":[{"text":"I'll just put it on speaker, and, yeah, Misha's here now.","start":33.66,"end":36.3,"sentiment":"neutral","sentiment_score":-0.03940485798838464},{"text":"So How are you going?","start":36.3,"end":37.77,"sentiment":"neutral","sentiment_score":0.07884074598550797},{"text":"Yeah.","start":43.785,"end":44.185,"sentiment":"neutral","sentiment_score":0.05109760910272598},{"text":"Like, 22.","start":44.185,"end":44.945,"sentiment":"neutral","sentiment_score":0.05039003677666187},{"text":"It's not too bad.","start":44.945,"end":46.125,"sentiment":"neutral","sentiment_score":0.18213969841599464}],"sentiment":"neutral","sentiment_score":0.036573337755449443,"num_words":23,"start":33.66,"end":46.125},{"sentences":[{"text":"Yeah.","start":49.865,"end":50.025,"sentiment":"neutral","sentiment_score":0.21841321885585785},{"text":"It's sunny.","start":50.025,"end":50.845,"sentiment":"neutral","sentiment_score":0.22897930443286896},{"text":"Yeah.","start":51.385002,"end":51.785,"sentiment":"neutral","sentiment_score":0.2693290114402771},{"text":"Kind of.","start":51.785,"end":52.605,"sentiment":"positive","sentiment_score":0.39286090433597565},{"text":"Yes.","start":63.989998,"end":64.39,"sentiment":"neutral","sentiment_score":0.07093004882335663}],"sentiment":"neutral","sentiment_score":0.25747895666531156,"num_words":7,"start":49.865,"end":64.39},{"sentences":[{"text":"Of course.","start":64.39,"end":64.79,"sentiment":"neutral","sentiment_score":0.1033674068748951},{"text":"Yep.","start":64.79,"end":65.29,"sentiment":"neutral","sentiment_score":0.14835430681705475},{"text":"Yes.","start":69.43,"end":69.885,"sentiment":"neutral","sentiment_score":0.0821220725774765},{"text":"Yep.","start":70.125,"end":70.625,"sentiment":"neutral","sentiment_score":0.11380039155483246},{"text":"So date of birth is 06/05/1984, and address is 52 Bryant Avenue, Middleton Grange, New South Wales 2171.","start":77.405,"end":87.83,"sentiment":"neutral","sentiment_score":0.08353013338314162}],"sentiment":"neutral","sentiment_score":0.08932843415633492,"num_words":23,"start":64.39,"end":87.83},{"sentences":[{"text":"Yeah.","start":91.41,"end":91.810005,"sentiment":"neutral","sentiment_score":0.01835767924785614},{"text":"The 1987.","start":91.810005,"end":94.07001,"sentiment":"neutral","sentiment_score":0.020270441193133593},{"text":"Same address.","start":96.61,"end":97.33,"sentiment":"neutral","sentiment_score":0.03842178173363209},{"text":"Yes.","start":97.33,"end":97.575,"sentiment":"neutral","sentiment_score":0.11649595201015472},{"text":"Maybe if you could send them both through to Pat's email address, but, yeah, we we're we kind of wanted to have the call today just to make sure because I can't remember if we sorted out last time that we can speak on each other's behalf.","start":107.655,"end":120.2,"sentiment":"neutral","sentiment_score":0.06801666085548858}],"sentiment":"neutral","sentiment_score":0.06507587051546236,"num_words":53,"start":91.41,"end":120.2},{"sentences":[{"text":"So we just wanna make sure that is also sorted as 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go.","start":202.72,"end":203.62,"sentiment":"neutral","sentiment_score":0.17028817037741342},{"text":"Let's see if it's here we go.","start":206.985,"end":209.465,"sentiment":"neutral","sentiment_score":0.15394252325807298},{"text":"Yep.","start":209.465,"end":209.965,"sentiment":"neutral","sentiment_score":0.10036083310842514},{"text":"Yep.","start":212.505,"end":212.665,"sentiment":"neutral","sentiment_score":0.07771538943052292}],"sentiment":"neutral","sentiment_score":0.1484478356746527,"num_words":13,"start":202.48,"end":212.665},{"sentences":[{"text":"To sign yep.","start":212.665,"end":216.125,"sentiment":"neutral","sentiment_score":0.06093739221493403},{"text":"So to sign the document, basically, is that the or you got the attachment below?","start":216.345,"end":222.42001,"sentiment":"neutral","sentiment_score":0.04736479818820953},{"text":"At the bottom.","start":222.64,"end":223.44,"sentiment":"neutral","sentiment_score":0.03303627856075764},{"text":"Yep.","start":223.44,"end":223.94,"sentiment":"neutral","sentiment_score":0.05022233724594116},{"text":"Yep.","start":228.64,"end":229.14,"sentiment":"neutral","sentiment_score":0.12404301017522812}],"sentiment":"neutral","sentiment_score":0.05072427532919075,"num_words":23,"start":212.665,"end":229.14},{"sentences":[{"text":"Yeah.","start":233.36,"end":233.68001,"sentiment":"neutral","sentiment_score":0.1946963667869568},{"text":"Okay.","start":233.68001,"end":234.18001,"sentiment":"neutral","sentiment_score":0.2649366557598114},{"text":"Yep.","start":234.32,"end":234.645,"sentiment":"positive","sentiment_score":0.3876219689846039},{"text":"I believe I 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yeah.","start":262.605,"end":263.645,"sentiment":"neutral","sentiment_score":-0.08160916157066822}],"sentiment":"neutral","sentiment_score":-0.07437915351517775,"num_words":27,"start":256.72,"end":263.645},{"sentences":[{"text":"I can't remember if we finalized that or not.","start":263.645,"end":266.465,"sentiment":"neutral","sentiment_score":-0.0778177682724264},{"text":"Okay.","start":271.805,"end":272.305,"sentiment":"neutral","sentiment_score":-0.00920459534972906},{"text":"Yeah.","start":274.205,"end":274.705,"sentiment":"neutral","sentiment_score":0.03245675936341286},{"text":"Okay.","start":285.54,"end":285.62,"sentiment":"neutral","sentiment_score":0.05440462380647659},{"text":"And then Okay.","start":285.62,"end":289.08002,"sentiment":"neutral","sentiment_score":0.09600885212421417}],"sentiment":"neutral","sentiment_score":-0.02231177135060231,"num_words":15,"start":263.645,"end":289.08002},{"sentences":[{"text":"Maybe you can confirm for me as well that we both have life 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yet.","start":1072.8501,"end":1074.29,"sentiment":"neutral","sentiment_score":-0.03909046296030283},{"text":"So 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gains.","start":1676.09,"end":1698.1,"sentiment":"neutral","sentiment_score":-0.040823327530114376},{"text":"Is that is it something along the lines of that?","start":1698.1,"end":1700.8999,"sentiment":"neutral","sentiment_score":-0.029941402748227118},{"text":"Like, where you can do this?","start":1700.8999,"end":1703.7999,"sentiment":"neutral","sentiment_score":-0.010012933984398842},{"text":"Or I might 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they wouldn't pay Capital Gains.","start":1744.99,"end":1746.75,"sentiment":"neutral","sentiment_score":-0.08101127048333485}],"sentiment":"neutral","sentiment_score":-0.016331926034763456,"num_words":10,"start":1730.875,"end":1746.75},{"sentences":[{"text":"They wouldn't pay.","start":1746.75,"end":1747.63,"sentiment":"neutral","sentiment_score":-0.10642049461603165},{"text":"Yeah.","start":1747.63,"end":1748.13,"sentiment":"neutral","sentiment_score":-0.005734153091907501},{"text":"Yeah.","start":1749.87,"end":1750.27,"sentiment":"neutral","sentiment_score":0.08640621602535248},{"text":"I think I was yeah.","start":1750.27,"end":1753.63,"sentiment":"neutral","sentiment_score":0.030977798998355864},{"text":"I think that's what I was trying to explain.","start":1753.63,"end":1755.31,"sentiment":"neutral","sentiment_score":-0.03241246607568529}],"sentiment":"neutral","sentiment_score":-0.01975855897915991,"num_words":19,"start":1746.75,"end":1755.31},{"sentences":[{"text":"But 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saying?","start":2225.0798,"end":2228.54,"sentiment":"neutral","sentiment_score":0.08210986562901074},{"text":"Yeah.","start":2229.88,"end":2230.38,"sentiment":"neutral","sentiment_score":0.0869235023856163},{"text":"You know what I'm saying?","start":2240.105,"end":2240.905,"sentiment":"neutral","sentiment_score":-0.31157477498054503},{"text":"So so if it's, like, 800,000 is the house value, then you should be getting, say, 800 weekly.","start":2240.905,"end":2248.6099,"sentiment":"neutral","sentiment_score":-0.1054202268520991},{"text":"Oh, okay.","start":2249.0698,"end":2249.47,"sentiment":"neutral","sentiment_score":-0.2145579755306244}],"sentiment":"neutral","sentiment_score":-0.08738976046442985,"num_words":35,"start":2225.0798,"end":2249.47},{"sentences":[{"text":"Well, then it's not good yield on this.","start":2249.47,"end":2251.3098,"sentiment":"negative","sentiment_score":-0.5371061116456985},{"text":"Yeah.","start":2251.3098,"end":2251.79,"sentiment":"neutral","sentiment_score":-0.1390790492296219},{"text":"Yeah.","start":2251.79,"end":2252.1099,"sentiment":"neutral","sentiment_score":-0.04314900562167168},{"text":"Yeah.","start":2252.1099,"end":2252.27,"sentiment":"neutral","sentiment_score":-0.03699776902794838},{"text":"They go above it.","start":2252.27,"end":2252.99,"sentiment":"neutral","sentiment_score":-0.10099889524281025}],"sentiment":"neutral","sentiment_score":-0.32800468653440473,"num_words":15,"start":2249.47,"end":2252.99},{"sentences":[{"text":"Yeah.","start":2252.99,"end":2253.47,"sentiment":"neutral","sentiment_score":-0.06802301108837128},{"text":"But we're not like we're not you know, if we got our house that we wanted and we sold this, like you said, and then get an another investment, maybe not somewhere where we would ever live, but it's got got good rent, we're open to that as well.","start":2253.47,"end":2269.165,"sentiment":"neutral","sentiment_score":0.26578002461061184},{"text":"Yeah.","start":2269.165,"end":2269.405,"sentiment":"neutral","sentiment_score":0.2031421661376953},{"text":"The the the way I kinda did the the sum was, let's say, our minimum repayments, it's gone up a little bit, but say it's between the 800 and 900 a week.","start":2269.405,"end":2278.72,"sentiment":"neutral","sentiment_score":0.17407624470070004},{"text":"If we rented it out for 800, it covers it.","start":2279.0198,"end":2282.5598,"sentiment":"neutral","sentiment_score":0.2821397125720978}],"sentiment":"neutral","sentiment_score":0.23172233674314716,"num_words":93,"start":2252.99,"end":2282.5598},{"sentences":[{"text":"So then anything you're earning in terms of getting an investment or another, that's you think you'd be able to get something.","start":2283.18,"end":2291.015,"sentiment":"positive","sentiment_score":0.38119914856824005},{"text":"But yeah.","start":2291.475,"end":2292.835,"sentiment":"neutral","sentiment_score":0.07209600135684013},{"text":"I don't know.","start":2292.835,"end":2293.475,"sentiment":"neutral","sentiment_score":0.02307937709459414},{"text":"It just yeah.","start":2293.475,"end":2297.075,"sentiment":"neutral","sentiment_score":0.012682372704148293},{"text":"Okay.","start":2297.075,"end":2297.575,"sentiment":"neutral","sentiment_score":-0.00572272390127182}],"sentiment":"neutral","sentiment_score":0.2784559934422554,"num_words":31,"start":2283.18,"end":2297.575},{"sentences":[{"text":"Yeah.","start":2297.635,"end":2298.135,"sentiment":"neutral","sentiment_score":-0.026572059839963913},{"text":"Yeah.","start":2299.555,"end":2299.715,"sentiment":"neutral","sentiment_score":-0.04394643008708954},{"text":"It's a bit harder.","start":2299.715,"end":2300.855,"sentiment":"neutral","sentiment_score":-0.0840800553560257},{"text":"Yeah.","start":2301.795,"end":2302.035,"sentiment":"neutral","sentiment_score":0.0168430358171463},{"text":"Okay.","start":2302.035,"end":2302.535,"sentiment":"neutral","sentiment_score":0.031788356602191925}],"sentiment":"neutral","sentiment_score":-0.04477591486647725,"num_words":8,"start":2297.635,"end":2302.535},{"sentences":[{"text":"I see.","start":2302.595,"end":2303.155,"sentiment":"neutral","sentiment_score":0.06085731275379658},{"text":"Yes.","start":2303.155,"end":2303.61,"sentiment":"neutral","sentiment_score":0.11800554394721983},{"text":"Mhmm.","start":2317.53,"end":2317.77,"sentiment":"neutral","sentiment_score":0.03789282217621803},{"text":"Yep.","start":2317.77,"end":2318.175,"sentiment":"neutral","sentiment_score":0.058871567249298096},{"text":"Yeah.","start":2335.4,"end":2335.72,"sentiment":"neutral","sentiment_score":0.06562287360429764}],"sentiment":"neutral","sentiment_score":0.06701790541410446,"num_words":6,"start":2302.595,"end":2335.72},{"sentences":[{"text":"Yeah.","start":2335.72,"end":2336.08,"sentiment":"neutral","sentiment_score":0.06830893456935883},{"text":"Yeah.","start":2336.08,"end":2336.44,"sentiment":"neutral","sentiment_score":0.06888287514448166},{"text":"Yeah.","start":2336.44,"end":2336.5999,"sentiment":"neutral","sentiment_score":0.0849187821149826},{"text":"No.","start":2336.5999,"end":2336.76,"sentiment":"neutral","sentiment_score":0.03886228799819946},{"text":"I think that's a good way to look at it.","start":2336.76,"end":2338.52,"sentiment":"neutral","sentiment_score":0.1509220503270626}],"sentiment":"neutral","sentiment_score":0.1264423845069749,"num_words":14,"start":2335.72,"end":2338.52},{"sentences":[{"text":"Yeah.","start":2338.52,"end":2339.02,"sentiment":"neutral","sentiment_score":0.19365450739860535},{"text":"Yep.","start":2349.2449,"end":2349.7449,"sentiment":"neutral","sentiment_score":0.11694128811359406},{"text":"Do you guys look for property or that's not in your scope, like, for your clients?","start":2349.885,"end":2355.265,"sentiment":"neutral","sentiment_score":0.023717321921139956},{"text":"Yep.","start":2362.285,"end":2362.74,"sentiment":"neutral","sentiment_score":0.009517446160316467},{"text":"Yep.","start":2368.66,"end":2369.16,"sentiment":"neutral","sentiment_score":0.011040491983294489}],"sentiment":"neutral","sentiment_score":0.035531544219702484,"num_words":20,"start":2338.52,"end":2369.16},{"sentences":[{"text":"Yep.","start":2374.5,"end":2374.755,"sentiment":"neutral","sentiment_score":-0.020856542512774467},{"text":"Yep.","start":2381.7148,"end":2381.9548,"sentiment":"neutral","sentiment_score":0.07074835896492004},{"text":"Yeah.","start":2381.9548,"end":2382.355,"sentiment":"neutral","sentiment_score":0.10882402211427689},{"text":"Okay.","start":2382.355,"end":2382.6748,"sentiment":"neutral","sentiment_score":0.19670522212982175},{"text":"Cool.","start":2382.6748,"end":2383.1748,"sentiment":"neutral","sentiment_score":0.3271915316581726}],"sentiment":"neutral","sentiment_score":0.13652251847088337,"num_words":5,"start":2374.5,"end":2383.1748},{"sentences":[{"text":"Yeah.","start":2389.3298,"end":2389.8298,"sentiment":"neutral","sentiment_score":0.0718436986207962},{"text":"That yeah.","start":2392.05,"end":2394.45,"sentiment":"neutral","sentiment_score":0.27166512608528137},{"text":"That's what we wanna do.","start":2394.45,"end":2395.41,"sentiment":"neutral","sentiment_score":0.06168882995843887},{"text":"We wanna make sure everything's settled before we, you know, go and lock ourselves into something.","start":2395.41,"end":2400.15,"sentiment":"neutral","sentiment_score":0.04668299003969878},{"text":"Yes.","start":2405.665,"end":2406.165,"sentiment":"neutral","sentiment_score":-0.07686546444892883}],"sentiment":"neutral","sentiment_score":0.0637472190707922,"num_words":25,"start":2389.3298,"end":2406.165},{"sentences":[{"text":"Yeah.","start":2415.105,"end":2415.505,"sentiment":"neutral","sentiment_score":0.0036771707236766815},{"text":"Yeah.","start":2415.505,"end":2416.005,"sentiment":"neutral","sentiment_score":0.024696240201592445},{"text":"Yep.","start":2418.51,"end":2418.75,"sentiment":"neutral","sentiment_score":0.21608468890190125},{"text":"That sounds good.","start":2418.75,"end":2419.8901,"sentiment":"positive","sentiment_score":0.49979743361473083},{"text":"I think for now, this is yeah.","start":2438.335,"end":2441.615,"sentiment":"neutral","sentiment_score":0.003965433953063828}],"sentiment":"neutral","sentiment_score":0.13627757218021613,"num_words":13,"start":2415.105,"end":2441.615},{"sentences":[{"text":"Yeah.","start":2441.615,"end":2441.855,"sentiment":"neutral","sentiment_score":0.03215491771697998},{"text":"Yeah.","start":2441.855,"end":2442.095,"sentiment":"neutral","sentiment_score":0.03459598869085312},{"text":"Yeah.","start":2442.095,"end":2442.495,"sentiment":"neutral","sentiment_score":0.021866995841264725},{"text":"Like because it's like we've any extra money we would have, we would be putting on probably, yeah, into our property.","start":2442.495,"end":2449.4,"sentiment":"neutral","sentiment_score":0.02900793296950204},{"text":"Yeah.","start":2449.46,"end":2449.96,"sentiment":"neutral","sentiment_score":-0.006289960816502571}],"sentiment":"neutral","sentiment_score":0.027659781351685522,"num_words":25,"start":2441.615,"end":2449.96},{"sentences":[{"text":"But not not anything extra for me at the moment.","start":2450.26,"end":2452.82,"sentiment":"neutral","sentiment_score":-0.12547315023839473},{"text":"I don't know about you, Pat.","start":2452.82,"end":2454.1199,"sentiment":"neutral","sentiment_score":-0.08586938430865605},{"text":"Yeah.","start":2454.66,"end":2454.98,"sentiment":"neutral","sentiment_score":-0.04355195164680481},{"text":"No.","start":2454.98,"end":2455.22,"sentiment":"neutral","sentiment_score":-0.09299900382757188},{"text":"I haven't I've always thought about it, but I haven't really done the whole shares thing on my on my own or anything like that.","start":2455.22,"end":2461.535,"sentiment":"neutral","sentiment_score":-0.07482853457331658}],"sentiment":"neutral","sentiment_score":-0.08784214251263198,"num_words":43,"start":2450.26,"end":2461.535},{"sentences":[{"text":"So yeah.","start":2461.535,"end":2474.4949,"sentiment":"neutral","sentiment_score":0.006828652694821358},{"text":"Yeah.","start":2474.4949,"end":2474.9949,"sentiment":"neutral","sentiment_score":0.1778920590877533},{"text":"Yeah.","start":2493.705,"end":2494.205,"sentiment":"neutral","sentiment_score":0.1875556856393814},{"text":"Yep.","start":2494.2651,"end":2494.7651,"sentiment":"neutral","sentiment_score":0.198289155960083},{"text":"Okay.","start":2513.74,"end":2514.24,"sentiment":"neutral","sentiment_score":0.12196581810712814}],"sentiment":"neutral","sentiment_score":0.11656000403066476,"num_words":6,"start":2461.535,"end":2514.24},{"sentences":[{"text":"Yeah.","start":2519.7651,"end":2520.2651,"sentiment":"neutral","sentiment_score":0.03466780483722687},{"text":"Yeah.","start":2521.7651,"end":2521.8452,"sentiment":"neutral","sentiment_score":0.060632117092609406},{"text":"Okay.","start":2521.8452,"end":2522.3452,"sentiment":"neutral","sentiment_score":0.09008319675922394},{"text":"Yeah.","start":2522.405,"end":2522.905,"sentiment":"neutral","sentiment_score":0.13714730739593506},{"text":"Yeah.","start":2541.14,"end":2541.38,"sentiment":"neutral","sentiment_score":-0.00640492606908083}],"sentiment":"neutral","sentiment_score":0.06322510000318289,"num_words":5,"start":2519.7651,"end":2541.38},{"sentences":[{"text":"But not yet.","start":2541.38,"end":2542.68,"sentiment":"neutral","sentiment_score":-0.04570765172441801},{"text":"Yes.","start":2547.345,"end":2547.845,"sentiment":"neutral","sentiment_score":0.015578582882881165},{"text":"Yes.","start":2555.185,"end":2555.685,"sentiment":"neutral","sentiment_score":0.0713227316737175},{"text":"Yeah.","start":2555.745,"end":2556.245,"sentiment":"neutral","sentiment_score":0.09189316630363464},{"text":"Yep.","start":2556.625,"end":2557.125,"sentiment":"neutral","sentiment_score":0.1355175822973251}],"sentiment":"neutral","sentiment_score":0.025312729712043486,"num_words":7,"start":2541.38,"end":2557.125},{"sentences":[{"text":"Not all good on our end.","start":2562.19,"end":2563.63,"sentiment":"neutral","sentiment_score":-0.33208272357781726},{"text":"Thank you.","start":2563.63,"end":2564.45,"sentiment":"neutral","sentiment_score":0.25785044580698013},{"text":"Yes.","start":2587.7952,"end":2588.115,"sentiment":"neutral","sentiment_score":0.08033670485019684},{"text":"Yeah.","start":2588.115,"end":2588.3552,"sentiment":"neutral","sentiment_score":0.0745464414358139},{"text":"Yeah.","start":2588.3552,"end":2588.675,"sentiment":"neutral","sentiment_score":0.08184687793254852}],"sentiment":"neutral","sentiment_score":-0.11273322051221674,"num_words":11,"start":2562.19,"end":2588.675},{"sentences":[{"text":"Yep.","start":2588.675,"end":2589.0,"sentiment":"neutral","sentiment_score":0.119908444583416},{"text":"Yeah.","start":2620.43,"end":2620.83,"sentiment":"neutral","sentiment_score":0.08487673103809357},{"text":"We'll leave it for the annual review for the time being.","start":2620.83,"end":2623.3901,"sentiment":"neutral","sentiment_score":0.08103749426928433},{"text":"I think maybe when, like, yeah, when I'm back working and then, like, you know, if we're looking at maybe upgrading and stuff, then we might make it a little bit more regular.","start":2623.3901,"end":2635.105,"sentiment":"neutral","sentiment_score":0.051562972592585014},{"text":"But, yeah, for the time being, this is good.","start":2635.1648,"end":2637.325,"sentiment":"positive","sentiment_score":0.466819703578949}],"sentiment":"neutral","sentiment_score":0.12725732800635425,"num_words":55,"start":2588.675,"end":2637.325},{"sentences":[{"text":"Thank you.","start":2637.325,"end":2637.9849,"sentiment":"positive","sentiment_score":0.6396187245845795},{"text":"Fantastic.","start":2646.06,"end":2646.56,"sentiment":"positive","sentiment_score":0.8208993673324585},{"text":"Alright.","start":2654.979,"end":2655.459,"sentiment":"positive","sentiment_score":0.5690233707427979},{"text":"Fantastic.","start":2655.459,"end":2655.959,"sentiment":"positive","sentiment_score":0.828188955783844},{"text":"Thank you.","start":2656.179,"end":2656.999,"sentiment":"positive","sentiment_score":0.8193835020065308}],"sentiment":"positive","sentiment_score":0.7337308781487601,"num_words":7,"start":2637.325,"end":2656.999},{"sentences":[{"text":"Thanks.","start":2658.3389,"end":2658.8389,"sentiment":"positive","sentiment_score":0.7508410215377808},{"text":"You too.","start":2659.139,"end":2659.619,"sentiment":"positive","sentiment_score":0.45690178871154785},{"text":"Bye bye.","start":2659.619,"end":2660.279,"sentiment":"neutral","sentiment_score":0.26328225433826447}],"sentiment":"positive","sentiment_score":0.4382418215274811,"num_words":5,"start":2658.3389,"end":2660.279}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Patrick\n\nChannel 0: Hey, Patrick. It's Tommy here, senior adviser from. How are you doing today?\n\nChannel 1: speaking. Good. Good. I've you rang Misha's phone, but, yeah, we're together anyway. That's my wife.\n\nSo yeah.\n\nChannel 0: Perfect. I was debating which phone number to\n\nChannel 1: Phone\n\nChannel 0: call,\n\nChannel 1: service?\n\nChannel 0: so I'll just\n\nChannel 1: Yeah.\n\nChannel 0: try\n\nChannel 1: Okay.\n\nChannel 0: 11.\n\nChannel 1: Yeah.\n\nChannel 0: Just With Carl being away today, I've decided to sort of jump on and go through this review with you guys. So forgive me for that. Sorry.\n\nChannel 1: Yeah.\n\nChannel 0: Do you want me to call you back on your mobile and\n\nChannel 1: No.\n\nChannel 0: do a\n\nChannel 1: No.\n\nChannel 0: bit of loud speaker? What's\n\nChannel 1: No.\n\nChannel 0: easier?\n\nChannel 1: No. I'll just put it on speaker, and, yeah, Misha's here now. So How are you going?\n\nChannel 0: Hey, Misha. I'm doing fantastic. It's a beautiful cool day on the Gold Coast. What about where you guys are?\n\nChannel 1: Yeah. Like, 22. It's not too bad.\n\nChannel 0: Not too bad. Good rug up weather. Nice and sunny, I hope.\n\nChannel 1: Yeah. It's sunny. Yeah. Kind\n\nChannel 0: Amazing.\n\nChannel 1: of.\n\nChannel 0: Amazing. I'm gonna go through and send you each an annual review pack. Are you okay to go through a quick security process with me before I go over any details?\n\nChannel 1: Yes. Of course. Yep.\n\nChannel 0: Amazing. Are you both okay for the call to be recorded?\n\nChannel 1: Yes. Yep.\n\nChannel 0: Perfect. Patrick, I'll start with yourself, mate. If you could please confirm your date of birth and address.\n\nChannel 1: So date of birth is 06/05/1984, and address is 52 Bryant Avenue, Middleton Grange, New South Wales 2171.\n\nChannel 0: Perfect. And, Misha, could I just confirm your date of birth, please?\n\nChannel 1: Yeah. The 1987.\n\nChannel 0: Perfect. And the same address?\n\nChannel 1: Same address. Yes.\n\nChannel 0: Perfect. So I'm gonna shoot this through to you guys now. Will you be able to look on to either email address with me today, or should I just walk you through what's there?\n\nChannel 1: Maybe if you could send them both through to Pat's email address, but, yeah, we we're we kind of wanted to have the call today just to make sure because I can't remember if we sorted out last time that we can speak on each other's behalf. So we just wanna make\n\nChannel 0: Oh,\n\nChannel 1: sure\n\nChannel 0: yes.\n\nChannel 1: that is also sorted as well.\n\nChannel 0: Perfect. Perfect. So what I might do is just for a bit of a a trick of IT here is\n\nChannel 1: Yep.\n\nChannel 0: I've got to send through your annual review packs to your email that's registered with Hub so\n\nChannel 1: Okay.\n\nChannel 0: it matches\n\nChannel 1: Yep.\n\nChannel 0: up with them,\n\nChannel 1: Yep.\n\nChannel 0: but I can definitely sort of forward the attachments as well. There isn't too much difference between the two, just\n\nChannel 1: Uh-huh.\n\nChannel 0: the certificate of currency for your insurances.\n\nChannel 1: Okay. Yep.\n\nChannel 0: Is that okay just for today?\n\nChannel 1: Yes. Of course.\n\nChannel 0: Perfect. We've had a bit of a new system that we've set up over Christmas time, and so I've just been having a bit of fun splicing all of your details together and making sure it's correct. So I've got my three screens open with six documents. So if I do go quiet for a moment, I'm just navigating if that's alright.\n\nChannel 1: Yep. No problem.\n\nChannel 0: So I'll send the first one through to Patrick now, and that's your Hotmail address, mate.\n\nChannel 1: Okay. Yep.\n\nChannel 0: So you're getting a super insurance summary, performance report, your TAO certificate, and an updated financial services guide. So that should come through. Usually, first email comes through either to your main inbox or spam box just to do with filtering from the new system. But once that's done, all the rest of them should go through pretty quickly as well.\n\nChannel 1: Yep. Yeah. Here we go.\n\nChannel 0: Perfect. Did that come through straight away?\n\nChannel 1: Let's see if it's here we go. Yep. Yep. To sign yep. So to sign the document, basically, is that the or you got the attachment below?\n\nChannel 0: So the\n\nChannel 1: At the\n\nChannel 0: attachments\n\nChannel 1: bottom.\n\nChannel 0: is\n\nChannel 1: Yep.\n\nChannel 0: for the review at the bottom, kind of like PDF attachments. That's what we'll go through together. If\n\nChannel 1: Yep.\n\nChannel 0: you're still comfortable with the services after that, that signature link is for the service agreement.\n\nChannel 1: Yeah. Okay. Yep.\n\nChannel 0: Perfect. I've just shot through Misha's as well to her email address for the time being. Now as far as sort of talking on each other's behalf, that would normally be an external third party authority. Do you guys ever recall filling in and signing off on those?\n\nChannel 1: I believe I did. Yeah. Yeah. It was a couple of years ago, though. Yeah.\n\nThe time we did it was just before we were due without third. So it was yeah. I can't remember if we finalized that or not.\n\nChannel 0: Perfect. So I will get that investigated in the background for you. It's not\n\nChannel 1: Okay.\n\nChannel 0: on the front dashboard, but I'll\n\nChannel 1: Yeah.\n\nChannel 0: make sure we get, like, a tag applied to each of your files just to make sure that's up front. Alright. So leave that one with me. We'll go through the details together, and then\n\nChannel 1: Okay.\n\nChannel 0: I'll\n\nChannel 1: And\n\nChannel 0: send\n\nChannel 1: then\n\nChannel 0: you a text if it's not in place.\n\nChannel 1: Okay.\n\nChannel 0: Perfect. Perfect. Before I jump into any details, is there anything in particular you guys would like to get out of this review outside of the third party authority?\n\nChannel 1: Maybe you can confirm for me as well that we both have life insurance. Can you check that on your Pretty sure we do. But yeah.\n\nChannel 0: I\n\nChannel 1: Yeah.\n\nChannel 0: sure\n\nChannel 1: Yep.\n\nChannel 0: can.\n\nChannel 1: Okay.\n\nChannel 0: So I'll\n\nChannel 1: Yep.\n\nChannel 0: start there, actually, and then I'll go through and update your details.\n\nChannel 1: Yep.\n\nChannel 0: So with let's see who we've got first. We have Clearview policy for Misha, I believe, and you've got\n\nChannel 1: Yeah.\n\nChannel 0: life disability and income protection.\n\nChannel 1: Okay. Great. Thank you.\n\nChannel 0: And for Patrick, you have a TAL policy, life TPD, and income protection. You're both insured for the same amounts of lump sum cover. It's just your income protection varies based on a percentage of your income.\n\nChannel 1: Yep. Okay. Great.\n\nChannel 0: Alright. Now have you had any significant changes with work at\n\nChannel 1: Yep.\n\nChannel 0: the moment?\n\nChannel 1: I'll go back to work in August. So we kind of signed me we got me across to you guys not long before we had our third child, so then I went on mat leave not long after. But, otherwise, there's been no real changes. No.\n\nChannel 0: Perfect.\n\nChannel 1: I just\n\nChannel 0: Perfect,\n\nChannel 1: haven't been\n\nChannel 0: sir.\n\nChannel 1: I've only been receiving like, I received a little bit of a government payment and then from my work, but I'll be back in August.\n\nChannel 0: Awesome. That explains why the contributions weren't going in. I was looking at it, and I saw, like, a rollover, like, a little final rollover from rest. And I was like, oh, no. I hope they're not going back there.\n\nChannel 1: Yep. Okay.\n\nChannel 0: So that's perfect. And, Patrick, what about you? I'm just gonna bring up your income details. I think we had you on a 128,000 as an engineer.\n\nChannel 1: Yeah. It's probably going up a little bit, but, yeah, it's around that month, I think. That that's\n\nChannel 0: Cool.\n\nChannel 1: That's about super. Right?\n\nChannel 0: Yeah. Just kind of like gross salary, if you will, and\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: the\n\nChannel 1: I\n\nChannel 0: the 12\n\nChannel 1: think\n\nChannel 0: percent on top.\n\nChannel 1: Yep. Yeah. So I think it's alright. Yeah. Call it one thirty.\n\nYeah. So I think it's around that.\n\nChannel 0: Perfect. Perfect. Now when it comes into, like, the insurance side of things, we did have you with a relatively small mortgage, and the property was sitting sort of well over a million dollars, which I'm assuming probably has jumped up since we last spoke to you as well.\n\nChannel 1: Yeah. I think, say, a comfortable value for the property would should be 1.2, say.\n\nChannel 0: Yep. 1.2. And we have 350,000 owing. Would that be under 300 now?\n\nChannel 1: And it's probably about the same because we've got the whole, you know, the whole offset and that kind of structure happening.\n\nChannel 0: Yeah. Which I think last time we checked was about $2.20 sitting in offset.\n\nChannel 1: Yeah. That was a while ago. Yeah. No. I haven't been working.\n\nSo it's kinda been on one salary. Yeah. So it's kinda been\n\nChannel 0: Yeah.\n\nChannel 1: a bit in terms of okay. So say however much is owing, say call it let's say, 500, say, and then\n\nChannel 0: Yep.\n\nChannel 1: if you take out all the other offsets and all that, it's probably about that same amount, that's $3.53 80 mark.\n\nChannel 0: Yep.\n\nChannel 1: So I\n\nChannel 0: Awesome.\n\nChannel 1: don't know how you yeah. I don't know how you did you want the net owing, or is it more what's, you know,\n\nChannel 0: Either\n\nChannel 1: up\n\nChannel 0: or kinda\n\nChannel 1: there?\n\nChannel 0: works. I can kind of just minus off the the debt in quarter, an average 1 50, say, and just say you've kind of spent about 50 to 70 out of the savings, if that sounds accurate to you.\n\nChannel 1: Yes. I reckon if if you get rid of all the offsets and take it all off, we're probably owing, let's say, $3.80, something like that.\n\nChannel 0: Perfect. Perfect. And as far as other assets go, each had a car. I believe you both had car loans.\n\nChannel 1: Oh, no. So Pat's car is a work car, so that doesn't come into it. It's just my Volkswagen, which we now own outright.\n\nChannel 0: Perfect. Congratulations. Clearing out a card debt is always lovely. Having those consumer loans can probably be the most painful in today's cost of living. That's for sure.\n\nChannel 1: Yeah.\n\nChannel 0: So you've got the work car. The Volkswagen is paid off. Perfect. Do you guys have anything else in terms of assets or loans, any shares, crypto, personal\n\nChannel 1: No.\n\nChannel 0: loans, anything else?\n\nChannel 1: Jeez. No. No. No. No.\n\nNo.\n\nChannel 0: Perfect. So relatively straightforward. And I'm assuming your your priority is just to kind of finish off that mortgage. I was looking through some of the old goals from when you guys first came on board, and there was a really big focus around family.\n\nChannel 1: Yes. Yes. Yep.\n\nChannel 0: Yep. So you've just got the the two children still and a bit of\n\nChannel 1: No.\n\nChannel 0: a minor\n\nChannel 1: Three.\n\nChannel 0: mortgage.\n\nChannel 1: Three children.\n\nChannel 0: Three. That's right. You're third, you did mention. Sorry.\n\nChannel 1: That's okay. But we that's\n\nChannel 0: Third\n\nChannel 1: done now.\n\nChannel 0: child.\n\nChannel 1: The the family unit is done.\n\nChannel 0: The family unit is done. I have my third due in June, and that's exactly right. Family unit will be done in a month's time. I'm very excited. How have all the kids been with the youngest sibling?\n\nHave they gotten well okay?\n\nChannel 1: At the start, it was a bit of a shock for our second. But now\n\nChannel 0: Yes.\n\nChannel 1: I would say our second's better with the youngest, whereas that eldest is probably a little bit more unfazed, but he's leaning a little bit more into his relationship with Pat. Like, they get a bit more one on one time.\n\nChannel 0: Yeah. That's amazing. I think my my second got the gender reveal and had\n\nChannel 1: Yep.\n\nChannel 0: this little card with all the glitter popped out and just went, no. I don't want a sister. And I reckon, hopefully, they get along pretty well. It's one of those things that it might flip once they're born.\n\nChannel 1: Yeah.\n\nChannel 0: Perfect. Perfect. So everything has been pretty stable. You're back to work soon. And, Pat, you're still with Rondo?\n\nChannel 1: Yeah. Still there. Yep.\n\nChannel 0: Yep. Perfect. Outside of that, nothing crazy. A couple of other questions that are a little bit new for us is just have you guys ever gone through a debt agreement or bankruptcy before?\n\nChannel 1: No bankruptcy. What what was that first one? Debt? No\n\nChannel 0: So\n\nChannel 1: debt.\n\nChannel 0: a debt\n\nChannel 1: Not\n\nChannel 0: agreement\n\nChannel 1: debt.\n\nChannel 0: is\n\nChannel 1: No.\n\nChannel 0: called, like, a part nine. It's like a it's a fun kind of bankruptcy where you pay it off over time.\n\nChannel 1: Oh, if if Pardonnay has ever been affected by that?\n\nChannel 0: Yeah. Have you ever gone\n\nChannel 1: Yeah.\n\nChannel 0: through\n\nChannel 1: No.\n\nChannel 0: a\n\nChannel 1: No.\n\nChannel 0: a part nine before?\n\nChannel 1: No.\n\nChannel 0: Perfect. Perfect. Perfect. So that's all looking good. When I was talking about the insurances before, so with the little bit over the million in life insurance and disability, That obviously clears off your debt and leaves you with about 3 quarters of 1,000,000 to replace lost income of each other on top of your\n\nChannel 1: Mhmm.\n\nChannel 0: super as well. Now the pricing isn't too bad on the life and TPD. I think each policy for perhaps, like, just over $500 before the tax rebate out of super. For Misha,\n\nChannel 1: Sorry. Can you\n\nChannel 0: you're about.\n\nChannel 1: could sorry. Can you repeat that again? How much you're how much you're paying for the Oh. Insurance? Okay.\n\nYep.\n\nChannel 0: Yeah. Correct. So the life insurance for Tal is about 500. The TPD insurance for Tal is about $5.80, whereas, Misha, you're on around about $3.15, $3.42. So\n\nChannel 1: Okay.\n\nChannel 0: it's not\n\nChannel 1: Yep.\n\nChannel 0: too much coming out of the super there. I just wanted to check with you guys the amounts, though, because you have the situation you've got with the offsets and everything. Having that extra money to replace incomes, if you were to pass away or can never work again, does that sound like a how does a claim scenario kind of look for you guys? Debt's paid off. There's 3 quarter of $1,000,000 there.\n\nIs that\n\nChannel 1: Yeah.\n\nChannel 0: good? Is that too much?\n\nChannel 1: It's probably it's enough. Yeah. It's definitely enough. I don't I don't know how to say how you clarify if it is too much or, but, yeah, it covers them. I think we'll leave it as Yeah.\n\nYeah. It covers the debt, and you've got extra, but yeah.\n\nChannel 0: Absolutely. And the way I kind of work it back in\n\nChannel 1: Yeah.\n\nChannel 0: practical terms is let's say you've got your your super there. I'll I'll use Pat as an example. Mortgage is paid off. If you add your super and your insurance together, you sit there with a million dollars. You can then invest that potentially into your pension account if you were TPD'd and can never work again.\n\nAnd then you\n\nChannel 1: Yeah.\n\nChannel 0: can pretty much live off of that all the way through to retirement. Put it in\n\nChannel 1: Yeah.\n\nChannel 0: a\n\nChannel 1: Okay.\n\nChannel 0: conservative fund, generate $50,000 worth of interest out of it. If you lived off more than 50,000, you would slowly use it up over about thirty, forty years' time.\n\nChannel 1: Yeah.\n\nChannel 0: So\n\nChannel 1: That's\n\nChannel 0: it\n\nChannel 1: fine.\n\nChannel 0: can get you guys by, if that makes sense.\n\nChannel 1: Yeah. Yeah. That's fine. Yeah.\n\nChannel 0: And the main thing too is just look. When you get older, especially, like, late forties, early fifties, insurance premiums increase so quickly that it's just a matter of trimming it down as you pay off your mortgage.\n\nChannel 1: Yeah. Okay. Yep. Yeah. Yeah.\n\nMhmm.\n\nChannel 0: Perfect. Just when it comes to the income protection, so, Misha, you have a ninety day waiting period, which means\n\nChannel 1: Yep.\n\nChannel 0: you pretty much get by for a few months, then it kicks in monthly, and it'll pay you all the way up to the age of 65.\n\nChannel 1: Yep.\n\nChannel 0: So you're insured for $4,947 a month worth of cover. And if I work that back as a bit of a calculation, it's protecting an income of about $85,000 gross.\n\nChannel 1: Yep.\n\nChannel 0: So tiny bit above the 82 that we had you on previously. If you were to claim on it right now, they do kind of look back twelve months, and mat leave plays into it a little bit. But if you're about to go back to work, then that shouldn't be too much of a problem.\n\nChannel 1: Okay. Great. Yep.\n\nChannel 0: Cool. Does that sound pretty close to what you will be earning?\n\nChannel 1: A bit more. Yeah. It might be a bit more. But you guys so we do it would it include my car allowance?\n\nChannel 0: Usually includes a bit of super on top because I think we had your full salary package at over a 100,000, about 105. Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: The\n\nChannel 1: I\n\nChannel 0: car\n\nChannel 1: think\n\nChannel 0: allowance\n\nChannel 1: my,\n\nChannel 0: of about 12, super\n\nChannel 1: yeah,\n\nChannel 0: included.\n\nChannel 1: my car allowance got has gone up to 17 and a half.\n\nChannel 0: Okay. Perfect. 17 and a half. So worst case scenario, let's say that you, on paper, have 82,000 instead of 84, they would pay you 70% of the 82, if that\n\nChannel 1: Okay.\n\nChannel 0: makes sense.\n\nChannel 1: Yep.\n\nChannel 0: So it's just as long as there's not like a big discrepancy where you're over insured and paying too much for what you can't claim on, that's\n\nChannel 1: Yeah.\n\nChannel 0: kind of\n\nChannel 1: Okay.\n\nChannel 0: the main thing. That\n\nChannel 1: Yep.\n\nChannel 0: shouldn't be too much of a problem for you. And for Patrick, just quickly working back your calculation, mate, because they do increase your cover gradually. It's a bit\n\nChannel 1: Yeah.\n\nChannel 0: of an inflation protection. And at 70\n\nChannel 1: Mhmm.\n\nChannel 0: percent, it's working out about a 116,000.\n\nChannel 1: Yeah. That's yeah.\n\nChannel 0: Cool. And\n\nChannel 1: Okay.\n\nChannel 0: yours is a lot quicker. So you've got only a four week wait. So if you're off for a month, it'll kick in for up to five years.\n\nChannel 1: Yeah. Okay. That's good.\n\nChannel 0: Cool. So premiums on that aren't looking too bad. It's not really holding the super back too much. It's mainly just a matter of getting some contributions rolling into Mitch's Fund again. And if it jumps up another 500 or a thousand, we can always kind of trim it, do a bit of shopping around.\n\nChannel 1: Yes. Yes. Okay.\n\nChannel 0: Perfect. Now I've got some performance reports sent through to you. I don't know if you can see that attachment for the hub twenty four twelve month performance. Can you see that one there?\n\nChannel 1: The first is sessions. Yep. Yeah.\n\nChannel 0: Perfect. Do you guys log in to your super every so often?\n\nChannel 1: Yeah. I do every now and then. I've I've maybe done it once or twice.\n\nChannel 0: Yep. Totally. Fair. Any thoughts or feelings on it so far from from your angle?\n\nChannel 1: Yeah. Like, it did it did go up quite well because I think from memory from memory, it got up to, like, three twenty in the account, but then I know that it dropped off in the last few months or or so. And, yeah, I think last time I checked, it was maybe around two eighty, two ninety, maybe. So, yeah,\n\nChannel 0: Yeah.\n\nChannel 1: but\n\nChannel 0: And\n\nChannel 1: I\n\nChannel 0: then\n\nChannel 1: think that's\n\nChannel 0: sitting today, three zero four, four\n\nChannel 1: off\n\nChannel 0: 10.\n\nChannel 1: very far, is it? Yeah. So it did yeah. Like, I think it was probably happened everywhere, that big drop off. But, yeah, it's yeah.\n\nIt's okay for now, I guess.\n\nChannel 0: And\n\nChannel 1: We're\n\nChannel 0: I\n\nChannel 1: not\n\nChannel 0: guess\n\nChannel 1: retiring\n\nChannel 0: the,\n\nChannel 1: yet. So Yeah.\n\nChannel 0: no, still many, many years to go. The way I would kind of describe it a little bit in terms of volatility is perhaps in a high growth. So call it a five out of five, trying to get the higher returns long term.\n\nChannel 1: Yep.\n\nChannel 0: So going from three twelve down to two eighty and then back up to $3.00 4 in the span of, like, two months, that's very normal for this type of\n\nChannel 1: Yeah.\n\nChannel 0: situation.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: So and the more you build your balance up because it's all percentage based returns, you're gonna see a much larger dollar value swing up and down.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: So\n\nChannel 1: Yeah.\n\nChannel 0: 10% up or down for you, which is the average for high growth, is, like, $30,000.\n\nChannel 1: Yeah. Okay. So there's a range that you yeah. Okay. Cool.\n\nThat's good to know.\n\nChannel 0: Yep. The the returns themselves, though, it's it's a very strange kind of thing to see. Can you see that blue table there for that hub 20 '4 performance report?\n\nChannel 1: Which page are you looking at? Sorry.\n\nChannel 0: It should be the first page of that document, and it\n\nChannel 1: Yes.\n\nChannel 0: should just have a nice big performance title at the top left.\n\nChannel 1: Yep. Yep.\n\nChannel 0: And if\n\nChannel 1: K.\n\nChannel 0: you see that table, it's got a whole bunch of codes on the left. It's got, like, Ben and Long, beta global,\n\nChannel 1: Yep.\n\nChannel 0: beta robotics, all that kind of thing.\n\nChannel 1: Yeah. Yes. Yep.\n\nChannel 0: Yep. So right hand side is the percentage returns for each option, and the page after that is your overall portfolio.\n\nChannel 1: Okay. So return\n\nChannel 0: So\n\nChannel 1: net fee is 30.9%. Is that\n\nChannel 0: correct.\n\nChannel 1: yeah. Okay.\n\nChannel 0: So\n\nChannel 1: Yeah.\n\nChannel 0: your total earnings, I guess, for the year, $40,000 in growth. I was actually pleasantly surprised because a lot of people I'm talking to at the moment, their super is kind of negative for the year or low single digits. So both of you guys have really high double digit returns so far.\n\nChannel 1: In terms of the percentage.\n\nChannel 0: Correct.\n\nChannel 1: Is that what you yeah. Okay. Because\n\nChannel 0: If you\n\nChannel 1: I\n\nChannel 0: look\n\nChannel 1: don't\n\nChannel 0: back\n\nChannel 1: know\n\nChannel 0: on\n\nChannel 1: where I\n\nChannel 0: that first page,\n\nChannel 1: yeah.\n\nChannel 0: if you look in the middle, like, it's it's pretty funny to see, but you had some battery tech and lithium, which is like your electronic vehicles,\n\nChannel 1: Yeah. 118.\n\nChannel 0: up a 118%, which is just ridiculous.\n\nChannel 1: So I should put everything in that.\n\nChannel 0: Yeah. Well, that's one of those ones where we do we call it diversification because if we swung it all into one, it's gonna go up a 100, down 80, and your soup is\n\nChannel 1: Yeah.\n\nChannel 0: gonna\n\nChannel 1: Yeah.\n\nChannel 0: be all over the shop. Everything there is looking really, really strong. Like, this is actually the best returns I've seen all year for all of the Oakview clients. Most of it's between 27, 30%. You do have that one at the top, Bennelong, which is down 7.95.\n\nChannel 1: Oh, so in brackets, it's negative.\n\nChannel 0: It's\n\nChannel 1: Is that\n\nChannel 0: negative.\n\nChannel 1: what you said?\n\nChannel 0: Correct.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: Yep. So that's the only one out of the eight that have underperformed, and\n\nChannel 1: Mhmm.\n\nChannel 0: that's your Australian shares portion. So\n\nChannel 1: Yep. Okay.\n\nChannel 0: even though it's kind of gotten the fantastic return overall, that's one to look at possibly replacing.\n\nChannel 1: Yeah. Yeah. Okay.\n\nChannel 0: So one of those one of the things that we do is we flag it for twelve months. But just in this particular case, we've been doing some research on Ben long after Christmas time, and\n\nChannel 1: Yeah.\n\nChannel 0: they've kind of been consistently underperforming the rest of the peer group in that Australian share space. So I would actually recommend if you're comfortable me just looking for a replacement option.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Yep. It's kind of like I guess, the way I describe it is a bit of an engine tune up. Everything is going great, but the one thing kinda needs to be oiled.\n\nChannel 1: Yeah.\n\nChannel 0: We don't need to rebuild the engine.\n\nChannel 1: Yeah. Yeah. That's good.\n\nChannel 0: Cool. I do have one question for you, and there's no wrong answer on this. It really is if you have a strong gut feeling either way. Do you have a preference between low fees or paying a bit more to try and get a higher return? Just any kind of gut leaning in either direction.\n\nChannel 1: You talk about low fees in terms of the insurance. So I think or just the the monthly fee that you guys take.\n\nChannel 0: So more so the investments. So for that Benelon option,\n\nChannel 1: Yeah.\n\nChannel 0: I can\n\nChannel 1: Yeah.\n\nChannel 0: replace it with a low fee index fund, which follows the market very closely. It has the lowest investment fees, or\n\nChannel 1: I\n\nChannel 0: I can replace it with another active fund, which is a little bit more expensive, but tries to outperform that ASX two\n\nChannel 1: think\n\nChannel 0: 100.\n\nChannel 1: yeah. I think this for me, the second the second one.\n\nChannel 0: Yep. Perfect. We have, I think, three options that we've been researching. So I I have a pretty good idea of what I'm gonna look at. I'll update your statement of advice and walk you through what that change\n\nChannel 1: Yeah.\n\nChannel 0: looks like just to make sure you're comfortable before we change\n\nChannel 1: Hang\n\nChannel 0: anything.\n\nChannel 1: on.\n\nChannel 0: Perfect. Now onto Misha's super.\n\nChannel 1: Yes.\n\nChannel 0: She's actually outperformed. Patrick's,\n\nChannel 1: Yeah.\n\nChannel 0: You've had,\n\nChannel 1: Oh,\n\nChannel 0: just\n\nChannel 1: yeah.\n\nChannel 0: by sheer luck of the options that you're in,\n\nChannel 1: Well,\n\nChannel 0: your\n\nChannel 1: I\n\nChannel 0: growth\n\nChannel 1: think\n\nChannel 0: funds, which is four out of five on the risk scale, has actually had, I'll give you today's figures, 18.45% net return\n\nChannel 1: Yes.\n\nChannel 0: after fees, which\n\nChannel 1: Mhmm.\n\nChannel 0: is the best one I've seen all year.\n\nChannel 1: Oh, fantastic.\n\nChannel 0: So you didn't do anything wrong, Patrick. We didn't we didn't jip you on any options or anything like that. It's just the timing of when things came in for Misha was just perfect.\n\nChannel 1: Yeah.\n\nChannel 0: Everything\n\nChannel 1: Yeah.\n\nChannel 0: like, the Benelong option was still in there for her portfolio at a similar negative, but everything else like her battery techs up a 121%. Her gold's up a little more. Everything's just kind of inched a little bit better based on when it jumped in.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: So everything's looking perfect there too as well. You're in a slightly lower risk than Patrick. But, again, I do wanna just do that bit of a tune up on yours as well.\n\nChannel 1: We did the same as you? Yes.\n\nChannel 0: Do you have a preference either way, Misha, between the low fees versus the active?\n\nChannel 1: Yeah. Because I'm going back in August, and we'll start to see some contributions then. I think we do the same as Pat. So it's okay if yeah. Maybe the fees are a bit higher, but, yes, that's okay.\n\nSo it's the second option as well.\n\nChannel 0: That that's\n\nChannel 1: Mhmm.\n\nChannel 0: perfect. The option I'm thinking of is actually a tiny bit more affordable than Bennelong is, and the performance has been much\n\nChannel 1: Yep.\n\nChannel 0: stronger. So I'm gonna do a direct comparison and see if that's good to slot in. And if we need to rebalance anything else, I'll let you know, but it might just be the one.\n\nChannel 1: Okay.\n\nChannel 0: Perfect. Perfect. As far as estate\n\nChannel 1: Great.\n\nChannel 0: planning goes, you both have your beneficiaries in place to each other,\n\nChannel 1: Yep.\n\nChannel 0: nonlapsing binding. I'm just gonna double check that all the details are correct. We've got\n\nChannel 1: With that stuff, not not for today, but I have see been seeing some things about trust and things like that. So, you know, in terms of, like, I guess there's some future proofing and things like that, whereas maybe some of the money can go to the boys instead of to each other. Can we look into that with you one day?\n\nChannel 0: Yes. Absolutely. I do have\n\nChannel 1: Yes.\n\nChannel 0: a fantastic bit of info for you today, which may\n\nChannel 1: Yep.\n\nChannel 0: help. So\n\nChannel 1: Yep.\n\nChannel 0: when people set up family trust while they're still alive, you tend to get a building of assets inside. So you build in a company, some properties, some investments, and then you tend to look at, like, income splitting between\n\nChannel 1: Mhmm.\n\nChannel 0: spouses and children, bring everybody in, and try and spread the wealth around and keep it in that bubble to avoid,\n\nChannel 1: Yep.\n\nChannel 0: you know, taxes and things like that.\n\nChannel 1: Yes.\n\nChannel 0: One thing\n\nChannel 1: This\n\nChannel 0: you\n\nChannel 1: is\n\nChannel 0: can\n\nChannel 1: more\n\nChannel 0: do\n\nChannel 1: so packets and mistress or something. You know? I'm\n\nChannel 0: yeah.\n\nChannel 1: joking.\n\nChannel 0: Well, speaking of that, because you'd be surprised what I see on a weekly basis in the\n\nChannel 1: Yes.\n\nChannel 0: industry with how this plays out. Not anything knocking pat there, but just what can happen. So the one thing that you can do which might be really powerful for you guys is a testamentary trust will. Have you heard of that before?\n\nChannel 1: No. But, like, the wheel's been on our list for a little while, so we we haven't really got one.\n\nChannel 0: Perfect. That was my next question. So if you go to a solicitor, again, how long is a piece of string depending on who you get and what you need, you do have the public trustee of every state does appointments for wills and power of attorneys as well. And if you really want to, you can get a $25 will kit from the post office, which is from the government as well, and\n\nChannel 1: Yep.\n\nChannel 0: that's probably the quickest and easiest. If all you're trying to do is make sure the property's noted down, bank accounts, shoes, cars, and so on.\n\nChannel 1: Yep.\n\nChannel 0: Now where the testamentary trust comes into it is if you pass away, a trust fund can be created,\n\nChannel 1: Mhmm.\n\nChannel 0: and then you can be a bit more specific about how income is distributed out to minor children until they're 18. You can kind of plan beyond the grave how the funds\n\nChannel 1: Yep.\n\nChannel 0: are used for them.\n\nChannel 1: Sorry. It is essentially it's a wheel and another way of doing a wheel. Is this kinda neat or\n\nChannel 0: Yeah. It's\n\nChannel 1: a\n\nChannel 0: literally\n\nChannel 1: little bit?\n\nChannel 0: like a standard will, but then\n\nChannel 1: Yep.\n\nChannel 0: in the back end of that will, it actually triggers the creation of a trust fund.\n\nChannel 1: Yeah. Okay. Yeah. That's good.\n\nChannel 0: So that's probably the most powerful engine for family planning beyond just a spouse. It can kind of go\n\nChannel 1: Mhmm.\n\nChannel 0: a couple of levels in-depth. I've seen\n\nChannel 1: Yeah.\n\nChannel 0: people do children and grandchildren and allocate funds all over the place. It's\n\nChannel 1: Yep.\n\nChannel 0: the best best way to do it because you don't have to pay for running a trust\n\nChannel 1: Mhmm.\n\nChannel 0: throughout your life. It literally clicks open at the end, and anything that gets moved into it, you're not paying capital gains tax to move it into the\n\nChannel 1: Is this is this something well, it might be a little bit side topic, but\n\nChannel 0: trust.\n\nChannel 1: something about where I think I must have got served something like this, but it's where say if your parents or say we wanted to pass our house to the kids, if you put the house in the trust, then they don't pay the capital gains. Is that is it something along the lines of that? Like, where you can do this? Or\n\nChannel 0: Yeah.\n\nChannel 1: I\n\nChannel 0: It's it does\n\nChannel 1: might\n\nChannel 0: that type of effect where, let's\n\nChannel 1: yeah.\n\nChannel 0: say, you had investment properties.\n\nChannel 1: Yeah. Yep.\n\nChannel 0: They could be because when you move it into a different name or a different entity, it's a triggering\n\nChannel 1: Mhmm.\n\nChannel 0: event for capital gains tax. So if you had investment property on top of your current property, the moment\n\nChannel 1: Yeah.\n\nChannel 0: that goes to the children, it becomes a CGT event. The moment you move it into a trust, the same thing\n\nChannel 1: Yep.\n\nChannel 0: happens,\n\nChannel 1: Yep.\n\nChannel 0: but the testamentary trust bypasses that. And\n\nChannel 1: Yeah.\n\nChannel 0: it can be\n\nChannel 1: Okay.\n\nChannel 0: moved you could build by three properties now, and all three of them upon your death can be moved into a trust without triggering that.\n\nChannel 1: K. So they wouldn't\n\nChannel 0: So\n\nChannel 1: pay Capital Gains. They wouldn't pay. Yeah.\n\nChannel 0: yeah. Exactly. Right. So\n\nChannel 1: Yeah.\n\nChannel 0: it's\n\nChannel 1: I think I was\n\nChannel 0: really powerful the more assets that you get.\n\nChannel 1: yeah. I think that's what I was trying to explain. But yeah. No. You're not.\n\nYeah.\n\nChannel 0: Absolutely. So\n\nChannel 1: Okay. Good.\n\nChannel 0: basic will\n\nChannel 1: And it's\n\nChannel 0: to start\n\nChannel 1: like\n\nChannel 0: with\n\nChannel 1: some\n\nChannel 0: is\n\nChannel 1: people\n\nChannel 0: always\n\nChannel 1: end\n\nChannel 0: good?\n\nChannel 1: up almost, like, say their parents pass and the parents give something to them. Some of\n\nChannel 0: Yes.\n\nChannel 1: the kids will actually end up disadvantaged by getting things because they have to pay tax or whatever on whatever they inherit.\n\nChannel 0: It's actually the same thing too when it comes to super. So\n\nChannel 1: Yeah. Okay.\n\nChannel 0: let's say you, instead of nominating each other, decided to mix in your children. I've seen it all the time. Someone says half goes to my partner and 25% or however much goes between two or three children.\n\nChannel 1: Yep.\n\nChannel 0: The minor children, well, whoever's their guardian looks after and controls the money.\n\nChannel 1: Yep.\n\nChannel 0: That's step number one. So if there is breakdown of the family unit and you don't want that to happen, that's problem number one. But the moment they turn 18, they no longer count as a tax dependent. So they receive your super, your partner gets it tax free, and your 19 year old son or daughter, they cop 15 to 17% tax on the\n\nChannel 1: But\n\nChannel 0: taxable\n\nChannel 1: you can put\n\nChannel 0: portion.\n\nChannel 1: something into place so they don't cop the tax, the\n\nChannel 0: Yes.\n\nChannel 1: dependents. Yeah.\n\nChannel 0: And\n\nChannel 1: Okay.\n\nChannel 0: that's\n\nChannel 1: Cool.\n\nChannel 0: the whole put it through the will and testamentary trusts and all that kind of thing.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: Oh,\n\nChannel 1: That's good.\n\nChannel 0: actually, how old would your eldest be?\n\nChannel 1: He's seven in August.\n\nChannel 0: Seven in August. So you still have\n\nChannel 1: Yep.\n\nChannel 0: a while to worry about estate taxes. It's not too big of an issue. When it goes to dependent children and spouses, you're pretty well okay.\n\nChannel 1: Yes.\n\nChannel 0: But the older they get, once they start approaching 18, if you're wanting to provide for them financially, then\n\nChannel 1: Mhmm.\n\nChannel 0: you need to start looking at some other structures.\n\nChannel 1: Yes.\n\nChannel 0: Cool. Are you okay to leave each other on for the super at the moment?\n\nChannel 1: Yeah. Yeah. For the moment.\n\nChannel 0: Perfect.\n\nChannel 1: Yep.\n\nChannel 0: And I'm just gonna double check on the life insurance. I can't actually see it on the certificate, but I'll double check it. I'm assuming you guys want that to be the same on the life insurance as well.\n\nChannel 1: Yes, please.\n\nChannel 0: Yep. K. Just bear in mind as well that life insurance can pretty much go anywhere. It doesn't have that similar restriction to super in terms of taxes. So if\n\nChannel 1: Okay.\n\nChannel 0: you did wanna split that differently, that's pretty easy to do.\n\nChannel 1: Yep.\n\nChannel 0: But I'll just double check that you guys are on there. Fishery. Cool. Any questions on that? I know I'm kind of just bombarding a bit of information there.\n\nDoes that make sense?\n\nChannel 1: Not yet yet. All good.\n\nChannel 0: Perfect. So definitely get the will and the power of attorney sorted. Do you guys remember what the power of attorney does?\n\nChannel 1: Yeah. If, like, if I can't speak Just to act on Yeah. That's Yeah.\n\nChannel 0: That's\n\nChannel 1: Yep.\n\nChannel 0: the one. Yep. Bank accounts and doctors. Just avoid having to go to court for probate and all that kind of thing.\n\nChannel 1: Mhmm.\n\nChannel 0: Perfect. Perfect. So wills and power of attorney will sort, make sure the beneficiaries are in place. We'll update the super portfolios a little bit, and we'll kind of leave the insurance as is for the time being. Does that sound okay for you guys?\n\nChannel 1: Yep.\n\nChannel 0: Perfect. Is there anything else that's kind of a a major focus for you over the next three to five years goals wise?\n\nChannel 1: Goals wise, I think we're we we probably feel like we've outgrown this house a little bit, but\n\nChannel 0: Mhmm.\n\nChannel 1: we wanted to see, I guess, how things look once I'm back working full time. So whether, like, let's say, 2027, let's say we're either looking at maybe getting an investment or we might need to upgrade. We could go either way.\n\nChannel 0: Okay. So I don't wanna kind of jump the gun too much with strategizing that, but\n\nChannel 1: Mhmm.\n\nChannel 0: your two options are either rent out your current house and borrow into a bigger home. That's one of the options. If you would like to as well, just consider this in the back of your mind that you don't have to keep the current house if you don't think it's gonna be a good rental because what tends to happen is people\n\nChannel 1: Yeah.\n\nChannel 0: pile on the most debt onto their main mortgage,\n\nChannel 1: Yeah.\n\nChannel 0: which is not deductible like an investment would be.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: So\n\nChannel 1: Yeah.\n\nChannel 0: one\n\nChannel 1: Yeah.\n\nChannel 0: of the tricks I've seen people do, and I've even done it myself, is actually sell off that current place,\n\nChannel 1: Yep.\n\nChannel 0: go into that upgraded home with much less debt, and then borrow big off of that into an investment property. So do\n\nChannel 1: Yeah.\n\nChannel 0: a two step approach instead of a one step approach.\n\nChannel 1: Yeah. When we because we do have a we do have a a broker we used to get this place. When we spoke to her a little while ago, and it was before, I guess, like, all these world events at the moment,\n\nChannel 0: Yeah.\n\nChannel 1: But we couldn't really afford to keep this house and buy where we wanna buy.\n\nChannel 0: Gotcha.\n\nChannel 1: So but things might change, like, when, you know, 2027 because I think this house would be, in a way, good to hold on to, Pat, because we're close to the new Western Sydney Airport. You you're based in Brisbane. Right?\n\nChannel 0: Uh-huh. Yeah. We're in the Gold\n\nChannel 1: Gold\n\nChannel 0: Coast.\n\nChannel 1: Coast. Yeah. Gold Coast. So, yeah, we are near that new Mhmm. Mhmm.\n\nClosest to that new airport. So, yeah, we'll just have\n\nChannel 0: So you\n\nChannel 1: to\n\nChannel 0: think\n\nChannel 1: see.\n\nChannel 0: it might be a pretty good growth growth area for the value?\n\nChannel 1: Yeah. Well, it's growing. Currently, it's still is growing. Mhmm. Yeah.\n\nAnd because, yeah, we you're saying something similar get sold for as much as 1.4, 1.3, but I know comfortably, yeah, 1.2 would be a good value, say Yeah. On the house now. But, yeah, it's\n\nChannel 0: Yeah.\n\nChannel 1: yeah. You just don't know. But\n\nChannel 0: And when it comes to that serviceability discussion you had with your broker, were you on maternity leave at the time, or were you working full time when you checked that?\n\nChannel 1: She did it as if I was working.\n\nChannel 0: Yep.\n\nChannel 1: But\n\nChannel 0: And it\n\nChannel 1: I'm\n\nChannel 0: still\n\nChannel 1: pretty\n\nChannel 0: looked pretty rough.\n\nChannel 1: yes. But we owned the car outright then too, and she said something like, you know because we didn't know we didn't have the car either. Like, the car was paid off. The only thing we did was, like, we lowered out we only have one credit card. We lowered that a little bit.\n\nChannel 0: Yeah.\n\nChannel 1: But, yeah, it wasn't looking it wasn't looking great to be able to hold on to this place. What yeah. Yeah. Because I I think what the scenario we we just threw up was, say, we were to get a $1,600,000 home, say, and\n\nChannel 0: Mhmm.\n\nChannel 1: then we were to sell this one for was it 1.2 Yeah. Or something. Yeah. And then just how that would look and yeah. And it just seems We we were a bit we thought we'd be able to borrow more or be able to hold on to this place.\n\nBut yeah.\n\nChannel 0: Yeah.\n\nChannel 1: So we were a little bit taken back, but she did say that at the moment, the banks are definitely stricter with how they borrow like, yeah, give money out stuff. Yeah.\n\nChannel 0: Yeah. They definitely have tightened the belts a little bit, and\n\nChannel 1: Yeah.\n\nChannel 0: the serviceability is really rough because they do, like, bank valuations, and the rental estimates as well can be a bit rough, whereas it's really, really easy in Queensland, for example, to have that $800,000 house that rents for $8.50 a week, and it's a\n\nChannel 1: Yeah.\n\nChannel 0: really\n\nChannel 1: Okay.\n\nChannel 0: good percentage, and it always kind of hits neutral or positively geared. But the moment\n\nChannel 1: Yeah.\n\nChannel 0: you start talking about one or two properties in a million, if that's not renting for, like, 1,200 a week, 1,300 a week, 1,400 a week, the percentages start to throw it out of whack really heavily.\n\nChannel 1: Yeah.\n\nChannel 0: Like,\n\nChannel 1: Yeah.\n\nChannel 0: would\n\nChannel 1: Yeah.\n\nChannel 0: you be able\n\nChannel 1: Okay.\n\nChannel 0: to rent it for more than 800 a week, do you think?\n\nChannel 1: I think it would be right on 800, I think, last time we checked. Yeah.\n\nChannel 0: Yeah. So a good rule of thumb that I do for rentals is the the nearest 100,000 versus the weekly amount. So 500,000, 500 a week,\n\nChannel 1: 105.\n\nChannel 0: 800\n\nChannel 1: Yeah.\n\nChannel 0: thousand,\n\nChannel 1: Okay.\n\nChannel 0: 800 a week, that's\n\nChannel 1: No.\n\nChannel 0: your\n\nChannel 1: I\n\nChannel 0: five\n\nChannel 1: remember\n\nChannel 0: percent\n\nChannel 1: that.\n\nChannel 0: rental return.\n\nChannel 1: Yeah. Yeah. No. No. That's yeah.\n\nAnd it that's the a good ratio, you're saying?\n\nChannel 0: Yeah. So\n\nChannel 1: Yeah.\n\nChannel 0: anything 5% or above is a good yield, I guess I would say, if I had to use the buzzword for it. If you start going below 5%, it makes the the loan serviceability look really\n\nChannel 1: You\n\nChannel 0: whack.\n\nChannel 1: know what I'm saying? So so if it's, like, 800,000 is the house value, then you should be getting, say, 800 weekly. Oh, okay. Well, then it's not good yield on this. Yeah.\n\nYeah. Yeah. They go above it. Yeah. But we're not like we're not you know, if we got our house that we wanted and we sold this, like you said, and then get an another investment, maybe not somewhere where we would ever live, but it's got got good rent, we're open to that as well.\n\nYeah. The the the way I\n\nChannel 0: Yeah.\n\nChannel 1: kinda did the the sum was, let's say, our minimum repayments, it's gone up a little bit, but say it's between the 800 and 900 a week. If we rented it out for 800, it covers it. So then anything you're earning in terms of getting an investment or another, that's you think you'd be able to get something. But yeah. I\n\nChannel 0: Yeah. And\n\nChannel 1: don't\n\nChannel 0: then\n\nChannel 1: know.\n\nChannel 0: they\n\nChannel 1: It\n\nChannel 0: start\n\nChannel 1: just\n\nChannel 0: adding on top the the home insurance, the\n\nChannel 1: yeah.\n\nChannel 0: rates,\n\nChannel 1: Okay.\n\nChannel 0: and\n\nChannel 1: Yeah.\n\nChannel 0: then all of a sudden, it's like\n\nChannel 1: Yeah.\n\nChannel 0: a\n\nChannel 1: It's\n\nChannel 0: thousand,\n\nChannel 1: a bit\n\nChannel 0: 11\n\nChannel 1: harder.\n\nChannel 0: 100 a week.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: Yeah.\n\nChannel 1: I see. Yes.\n\nChannel 0: But, yeah, it's definitely an idea to consider. I'm not gonna sort of steer either direction. But if you were to, for example, get the home that you need for the family and then look elsewhere rather than just skipping from where you've lived,\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: you've got buyers agents everywhere who are trying to sell properties in rural rural WA or Queensland with high yields. You've got different cities. You've got commercial property. You're not limited if you can kind of just detach the emotional side from the previous place and look abroad.\n\nChannel 1: Yeah. Yeah. Yeah.\n\nChannel 0: But,\n\nChannel 1: Yeah. No. I think that's a good way to look at it. Yeah.\n\nChannel 0: yeah, and most people just hop from one to the other and invest behind them instead of actually saying, okay. Let's go to a new plateau, clean the base, and then build from there.\n\nChannel 1: Yep. Do you guys look for property or that's not in your scope, like, for your clients?\n\nChannel 0: So we do have one buyer's agent that we've been talking to towards the end of last year.\n\nChannel 1: Yep.\n\nChannel 0: When it comes time, I can kind of pass on his details to you. He used to be a financial planner,\n\nChannel 1: Yep.\n\nChannel 0: and now he specializes in finding properties around Australia, commercial and rural. There's\n\nChannel 1: Yep.\n\nChannel 0: heaps of them everywhere, though, and your broker may be out of help, but buyer's agents are getting more and more popular for that reason.\n\nChannel 1: Yep. Yeah. Okay. Cool.\n\nChannel 0: Yep. But if you ever need to, yeah, I can absolutely pass on the details. I probably wouldn't do it right now until\n\nChannel 1: Yeah.\n\nChannel 0: you're comfortably back at work and the budget's looking good\n\nChannel 1: That\n\nChannel 0: and the family's stable, and\n\nChannel 1: yeah.\n\nChannel 0: then look\n\nChannel 1: That's\n\nChannel 0: at\n\nChannel 1: what\n\nChannel 0: it.\n\nChannel 1: we wanna do. We wanna make sure everything's settled before we, you know, go and lock ourselves into something.\n\nChannel 0: Yeah. Yep. And the last thing you want is interest rates to spike up even further,\n\nChannel 1: Yes.\n\nChannel 0: cost of living spike up, and then to have an issue where you don't get to rent the place out for a couple of months, and then all of a sudden you're in a risky position.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Yeah. Does that sound alright?\n\nChannel 1: Yep. That sounds good.\n\nChannel 0: Perfect. The other question I had as well just to kinda cap things off is, do you guys ever wanna consider any type of personal investment, be it shares, managed fund, anything besides property as well down the line, or would you prefer to stick to the property and super route?\n\nChannel 1: I think for now, this is yeah. Yeah. Yeah. Yeah. Like because it's like we've any extra money we would have, we would be putting on probably, yeah, into our property.\n\nYeah. But not not anything extra for me at the moment. I don't know about you, Pat. Yeah. No.\n\nI haven't I've always thought about it, but I haven't really done the whole shares thing on my on my own or anything like that. So\n\nChannel 0: Yeah. And it's one thing that, like, we do give that sort of range of advice. And I think the moment you get into the upgraded home for the family, that's gonna be a big focus for your cash flow for a number of years. And\n\nChannel 1: yeah.\n\nChannel 0: then\n\nChannel 1: Yeah.\n\nChannel 0: if after that you wanna branch out, we're happy to go either direction, whatever kind of interest and is comfortable for you guys. The only example I would give is your like, your hub twenty four super as an example. You guys are actually linked together for family fee linking to reduce the fees.\n\nChannel 1: Yeah. Yep.\n\nChannel 0: They also offer investment accounts, which are identical to your super account, and you can have them all linked up together and reduce the fees, and you can invest in anything you want, whether it's property, shares, fixed interest, build a portfolio that mimics your super. Maybe it's safer. You've pretty much got full flexibility there. So it's always\n\nChannel 1: Okay.\n\nChannel 0: an option if you wanna go that route, bit of a dip your toe in the water rather than borrowing a million dollars\n\nChannel 1: Yeah.\n\nChannel 0: for a property.\n\nChannel 1: Yeah. Okay. Yeah.\n\nChannel 0: Cool. I always find it probably better to get the two properties first, though. Make sure the mortgage is nice and low, have your other asset next to you, and then look at, okay, maybe we'll start doing some cash flow into investing or something after that or even invest for the children as well. Is that something you guys might want to?\n\nChannel 1: Yeah. But not yet.\n\nChannel 0: No. You guys need to sort your own situations out\n\nChannel 1: Yes.\n\nChannel 0: first once that's stable. If you wanna kind of help them build a house deposit, we can look at that, but I'm thinking more like five to seven years down the line.\n\nChannel 1: Yes. Yeah. Yep.\n\nChannel 0: Perfect. Do you guys have any other questions for me so far before I kind of wrap things up?\n\nChannel 1: Not all good on our end. Thank you.\n\nChannel 0: Amazing. That document there does have your service agreements for the next twelve months. You should be on, and I wanna just double check on my system. You guys should be on the partnered fee discount of 1.1% rather than the usual 1.65. So I did wanna ask if you're still comfortable for us to look after the super.\n\nChannel 1: Yes. Yeah. Yeah. Yep.\n\nChannel 0: Cool. I'm just gonna have a quick double check. I don't want you to sign anything until I've double checked it just because I've shot out the two separate emails. So I just wanna make sure they're both correct. K.\n\nWe've got Patrick. Now while I'm just pulling these two emails up, do you guys want me to put you in for any kind of quarterly contacts every six months, or would you prefer just to kind of go through that update with me in a couple of weeks and then leave it for the annual review?\n\nChannel 1: Yeah. We'll leave it for the annual review for the time being. I think maybe\n\nChannel 0: Yeah.\n\nChannel 1: when, like, yeah, when I'm back working and then, like, you know, if we're looking at maybe upgrading and stuff, then we might make it a little bit more regular. But, yeah,\n\nChannel 0: Yep.\n\nChannel 1: for the time being, this is good. Thank you.\n\nChannel 0: No. That's perfect. I'll leave it for the annual review for now. If anything pops up, please just call through and book an appointment, and I'm happy to help out.\n\nChannel 1: Fantastic.\n\nChannel 0: Awesome, guys. I'll leave those two emails with you, and the team will probably call you in about a fortnight just to walk through those updated plans together.\n\nChannel 1: Alright. Fantastic. Thank you.\n\nChannel 0: Thank you so much. Have a fantastic\n\nChannel 1: Thanks.\n\nChannel 0: day.\n\nChannel 1: You too. Bye bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Patrick","start":1.76,"end":2.26,"sentiment":"neutral","sentiment_score":0.03736233711242676}],"sentiment":"neutral","sentiment_score":0.03736233711242676,"channel":1,"num_words":1,"start":1.76,"end":2.26},{"sentences":[{"text":"Hey, Patrick.","start":3.28,"end":4.08,"sentiment":"neutral","sentiment_score":0.10868998989462852},{"text":"It's Tommy here, senior adviser from.","start":4.08,"end":6.08,"sentiment":"neutral","sentiment_score":0.14517024407784143},{"text":"How are you doing today?","start":6.08,"end":7.14,"sentiment":"neutral","sentiment_score":0.20232244729995727}],"sentiment":"neutral","sentiment_score":0.16153951390431479,"channel":0,"num_words":13,"start":3.28,"end":7.14},{"sentences":[{"text":"speaking.","start":7.2,"end":7.44,"sentiment":"neutral","sentiment_score":0.07641065865755081},{"text":"Good.","start":7.44,"end":7.7599998,"sentiment":"positive","sentiment_score":0.5561754703521729},{"text":"Good.","start":7.7599998,"end":8.24,"sentiment":"positive","sentiment_score":0.5193513631820679},{"text":"I've you rang Misha's phone, but, yeah, we're together anyway.","start":8.24,"end":12.32,"sentiment":"neutral","sentiment_score":0.2546174988150597},{"text":"That's my wife.","start":12.32,"end":13.759999,"sentiment":"neutral","sentiment_score":0.2224731594324112}],"sentiment":"neutral","sentiment_score":0.27284574741497636,"channel":1,"num_words":16,"start":7.2,"end":13.759999},{"sentences":[{"text":"So yeah.","start":13.759999,"end":14.98,"sentiment":"neutral","sentiment_score":0.18675744533538818}],"sentiment":"neutral","sentiment_score":0.18675744533538818,"channel":1,"num_words":2,"start":13.759999,"end":14.98},{"sentences":[{"text":"Perfect.","start":15.295,"end":15.795,"sentiment":"positive","sentiment_score":0.504547119140625},{"text":"I was debating which phone number to","start":15.935,"end":18.815,"sentiment":"neutral","sentiment_score":0.0720522834786347}],"sentiment":"neutral","sentiment_score":0.12611413793638349,"channel":0,"num_words":8,"start":15.295,"end":18.815},{"sentences":[{"text":"Phone","start":18.735,"end":19.055,"sentiment":"neutral","sentiment_score":0.018788427114486694}],"sentiment":"neutral","sentiment_score":0.018788427114486694,"channel":1,"num_words":1,"start":18.735,"end":19.055},{"sentences":[{"text":"call,","start":18.815,"end":19.055,"sentiment":"neutral","sentiment_score":0.03162723034620285}],"sentiment":"neutral","sentiment_score":0.03162723034620285,"channel":0,"num_words":1,"start":18.815,"end":19.055},{"sentences":[{"text":"service?","start":19.055,"end":19.455,"sentiment":"neutral","sentiment_score":0.029107684269547462}],"sentiment":"neutral","sentiment_score":0.029107684269547462,"channel":1,"num_words":1,"start":19.055,"end":19.455},{"sentences":[{"text":"so I'll just","start":19.055,"end":19.615,"sentiment":"neutral","sentiment_score":0.011421067174524069}],"sentiment":"neutral","sentiment_score":0.011421067174524069,"channel":0,"num_words":3,"start":19.055,"end":19.615},{"sentences":[{"text":"Yeah.","start":19.455,"end":19.855,"sentiment":"neutral","sentiment_score":0.000540642999112606}],"sentiment":"neutral","sentiment_score":0.000540642999112606,"channel":1,"num_words":1,"start":19.455,"end":19.855},{"sentences":[{"text":"try","start":19.615,"end":20.115,"sentiment":"neutral","sentiment_score":-0.0068784840404987335}],"sentiment":"neutral","sentiment_score":-0.0068784840404987335,"channel":0,"num_words":1,"start":19.615,"end":20.115},{"sentences":[{"text":"Okay.","start":19.855,"end":20.355,"sentiment":"neutral","sentiment_score":0.0016294429078698158}],"sentiment":"neutral","sentiment_score":0.0016294429078698158,"channel":1,"num_words":1,"start":19.855,"end":20.355},{"sentences":[{"text":"11.","start":20.895,"end":21.635,"sentiment":"neutral","sentiment_score":-0.00023966189473867416}],"sentiment":"neutral","sentiment_score":-0.00023966189473867416,"channel":0,"num_words":1,"start":20.895,"end":21.635},{"sentences":[{"text":"Yeah.","start":21.775,"end":22.275,"sentiment":"neutral","sentiment_score":-0.003347097896039486}],"sentiment":"neutral","sentiment_score":-0.003347097896039486,"channel":1,"num_words":1,"start":21.775,"end":22.275},{"sentences":[{"text":"Just With Carl being away today, I've decided to sort of jump on and go through this review with you guys.","start":22.255001,"end":27.06,"sentiment":"neutral","sentiment_score":-0.08708060532808304},{"text":"So forgive me for that.","start":27.06,"end":28.1,"sentiment":"neutral","sentiment_score":-0.3240449130535126},{"text":"Sorry.","start":28.1,"end":28.6,"sentiment":"neutral","sentiment_score":-0.1545615196228027}],"sentiment":"neutral","sentiment_score":-0.13346217765852256,"channel":0,"num_words":27,"start":22.255001,"end":28.6},{"sentences":[{"text":"Yeah.","start":28.654999,"end":29.154999,"sentiment":"neutral","sentiment_score":-0.05118998140096664}],"sentiment":"neutral","sentiment_score":-0.05118998140096664,"channel":1,"num_words":1,"start":28.654999,"end":29.154999},{"sentences":[{"text":"Do you want me to call you back on your mobile and","start":29.78,"end":31.94,"sentiment":"neutral","sentiment_score":-0.052042657199005284}],"sentiment":"neutral","sentiment_score":-0.052042657199005284,"channel":0,"num_words":12,"start":29.78,"end":31.94},{"sentences":[{"text":"No.","start":31.82,"end":32.14,"sentiment":"neutral","sentiment_score":-0.16744133830070496}],"sentiment":"neutral","sentiment_score":-0.16744133830070496,"channel":1,"num_words":1,"start":31.82,"end":32.14},{"sentences":[{"text":"do a","start":31.94,"end":32.18,"sentiment":"neutral","sentiment_score":-0.1792026236653328}],"sentiment":"neutral","sentiment_score":-0.1792026236653328,"channel":0,"num_words":2,"start":31.94,"end":32.18},{"sentences":[{"text":"No.","start":32.14,"end":32.64,"sentiment":"neutral","sentiment_score":-0.2454987466335297}],"sentiment":"neutral","sentiment_score":-0.2454987466335297,"channel":1,"num_words":1,"start":32.14,"end":32.64},{"sentences":[{"text":"bit of loud 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now.","start":33.66,"end":36.3,"sentiment":"neutral","sentiment_score":-0.03940485798838464},{"text":"So How are you going?","start":36.3,"end":37.77,"sentiment":"neutral","sentiment_score":0.07884074598550797}],"sentiment":"neutral","sentiment_score":-0.008651561870732728,"channel":1,"num_words":17,"start":33.5,"end":37.77},{"sentences":[{"text":"Hey, Misha.","start":37.940002,"end":38.5,"sentiment":"neutral","sentiment_score":0.32816213369369507},{"text":"I'm doing fantastic.","start":38.5,"end":39.48,"sentiment":"positive","sentiment_score":0.7374023596445719},{"text":"It's a beautiful cool day on the Gold Coast.","start":39.875,"end":41.954998,"sentiment":"positive","sentiment_score":0.7013236814075046},{"text":"What about where you guys 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gonna go through and send you each an annual review pack.","start":54.59,"end":58.370003,"sentiment":"positive","sentiment_score":0.3574115186929703},{"text":"Are you okay to go through a quick security process with me before I go over any details?","start":58.43,"end":63.65,"sentiment":"neutral","sentiment_score":0.12236874509188864}],"sentiment":"neutral","sentiment_score":0.229065605949971,"channel":0,"num_words":31,"start":52.274998,"end":63.65},{"sentences":[{"text":"Yes.","start":63.989998,"end":64.39,"sentiment":"neutral","sentiment_score":0.07093004882335663},{"text":"Of 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Brisbane.","start":2055.6,"end":2056.9001,"sentiment":"neutral","sentiment_score":0.1038288950920105},{"text":"Right?","start":2056.96,"end":2057.46,"sentiment":"neutral","sentiment_score":0.08974221348762512}],"sentiment":"neutral","sentiment_score":0.2262695402633853,"channel":1,"num_words":41,"start":2042.555,"end":2057.46},{"sentences":[{"text":"Uh-huh.","start":2057.11,"end":2057.61,"sentiment":"neutral","sentiment_score":0.0569426529109478},{"text":"Yeah.","start":2057.6702,"end":2057.9102,"sentiment":"neutral","sentiment_score":0.08671225607395172},{"text":"We're in the 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always thought about it, but I haven't really done the whole shares thing on my on my own or anything like that.","start":2455.22,"end":2461.535,"sentiment":"neutral","sentiment_score":-0.07482853457331658},{"text":"So","start":2461.535,"end":2462.035,"sentiment":"neutral","sentiment_score":-0.016427502036094666}],"sentiment":"neutral","sentiment_score":-0.07258234101419266,"channel":1,"num_words":26,"start":2455.22,"end":2462.035},{"sentences":[{"text":"Yeah.","start":2462.4548,"end":2462.855,"sentiment":"neutral","sentiment_score":0.0329776369035244},{"text":"And it's one thing that, like, we do give that sort of range of advice.","start":2462.855,"end":2466.4548,"sentiment":"neutral","sentiment_score":0.12445858543117841},{"text":"And I think the moment you get into the upgraded home for the family, that's gonna be a big focus for your cash flow for a number of years.","start":2466.4548,"end":2473.59,"sentiment":"neutral","sentiment_score":0.20361927331521593},{"text":"And","start":2473.97,"end":2474.13,"sentiment":"neutral","sentiment_score":0.043945711106061935}],"sentiment":"neutral","sentiment_score":0.17062524033953314,"channel":0,"num_words":46,"start":2462.4548,"end":2474.13},{"sentences":[{"text":"yeah.","start":2474.015,"end":2474.4949,"sentiment":"neutral","sentiment_score":0.03008480742573738}],"sentiment":"neutral","sentiment_score":0.03008480742573738,"channel":1,"num_words":1,"start":2474.015,"end":2474.4949},{"sentences":[{"text":"then","start":2474.13,"end":2474.53,"sentiment":"neutral","sentiment_score":0.12307682633399963}],"sentiment":"neutral","sentiment_score":0.12307682633399963,"channel":0,"num_words":1,"start":2474.13,"end":2474.53},{"sentences":[{"text":"Yeah.","start":2474.4949,"end":2474.9949,"sentiment":"neutral","sentiment_score":0.1778920590877533}],"sentiment":"neutral","sentiment_score":0.1778920590877533,"channel":1,"num_words":1,"start":2474.4949,"end":2474.9949},{"sentences":[{"text":"if after that you wanna branch out, we're happy to go either direction, whatever kind of interest and is comfortable for you guys.","start":2474.53,"end":2481.83,"sentiment":"neutral","sentiment_score":0.25660582988158515},{"text":"The only example I would give is your like, your hub twenty four super as an example.","start":2482.05,"end":2487.03,"sentiment":"neutral","sentiment_score":0.17042456567287445},{"text":"You guys are actually linked together for family fee linking to reduce the fees.","start":2487.3052,"end":2492.8452,"sentiment":"neutral","sentiment_score":0.1739286785679204}],"sentiment":"neutral","sentiment_score":0.20803987414196687,"channel":0,"num_words":54,"start":2474.53,"end":2492.8452},{"sentences":[{"text":"Yeah.","start":2493.705,"end":2494.205,"sentiment":"neutral","sentiment_score":0.1875556856393814},{"text":"Yep.","start":2494.2651,"end":2494.7651,"sentiment":"neutral","sentiment_score":0.198289155960083}],"sentiment":"neutral","sentiment_score":0.1929224207997322,"channel":1,"num_words":2,"start":2493.705,"end":2494.7651},{"sentences":[{"text":"They also offer investment accounts, which are identical to your super account, and you can have them all linked up together and reduce the fees, and you can invest in anything you want, whether it's property, shares, fixed interest, build a portfolio that mimics your super.","start":2495.225,"end":2509.11,"sentiment":"neutral","sentiment_score":0.25880295977644296},{"text":"Maybe it's safer.","start":2509.33,"end":2510.3901,"sentiment":"neutral","sentiment_score":0.277541716893514},{"text":"You've pretty much got full flexibility there.","start":2510.6902,"end":2513.175,"sentiment":"positive","sentiment_score":0.41799355830465046},{"text":"So it's always","start":2513.2551,"end":2513.815,"sentiment":"neutral","sentiment_score":0.19033383329709372}],"sentiment":"neutral","sentiment_score":0.2751613170918772,"channel":0,"num_words":59,"start":2495.225,"end":2513.815},{"sentences":[{"text":"Okay.","start":2513.74,"end":2514.24,"sentiment":"neutral","sentiment_score":0.12196581810712814}],"sentiment":"neutral","sentiment_score":0.12196581810712814,"channel":1,"num_words":1,"start":2513.74,"end":2514.24},{"sentences":[{"text":"an option if you wanna go that route, bit of a dip your toe in the water rather than borrowing a million dollars","start":2513.815,"end":2520.055,"sentiment":"neutral","sentiment_score":0.09656796912136285}],"sentiment":"neutral","sentiment_score":0.09656796912136285,"channel":0,"num_words":23,"start":2513.815,"end":2520.055},{"sentences":[{"text":"Yeah.","start":2519.7651,"end":2520.2651,"sentiment":"neutral","sentiment_score":0.03466780483722687}],"sentiment":"neutral","sentiment_score":0.03466780483722687,"channel":1,"num_words":1,"start":2519.7651,"end":2520.2651},{"sentences":[{"text":"for a property.","start":2520.055,"end":2520.875,"sentiment":"neutral","sentiment_score":0.03944851520160834}],"sentiment":"neutral","sentiment_score":0.03944851520160834,"channel":0,"num_words":3,"start":2520.055,"end":2520.875},{"sentences":[{"text":"Yeah.","start":2521.7651,"end":2521.8452,"sentiment":"neutral","sentiment_score":0.060632117092609406},{"text":"Okay.","start":2521.8452,"end":2522.3452,"sentiment":"neutral","sentiment_score":0.09008319675922394},{"text":"Yeah.","start":2522.405,"end":2522.905,"sentiment":"neutral","sentiment_score":0.13714730739593506}],"sentiment":"neutral","sentiment_score":0.09595420708258946,"channel":1,"num_words":3,"start":2521.7651,"end":2522.905},{"sentences":[{"text":"Cool.","start":2523.0151,"end":2523.5151,"sentiment":"neutral","sentiment_score":0.26645976305007935},{"text":"I always find it probably better to get the two properties first, though.","start":2523.575,"end":2526.7952,"sentiment":"neutral","sentiment_score":0.18028803169727325},{"text":"Make sure the mortgage is nice and low, have your other asset next to you, and then look at, okay, maybe we'll start doing some cash flow into investing or something after that or even invest for the children as well.","start":2527.0598,"end":2538.3398,"sentiment":"neutral","sentiment_score":0.18835379710284675},{"text":"Is that something you guys might want to?","start":2538.3398,"end":2540.2798,"sentiment":"neutral","sentiment_score":0.09315488301217556}],"sentiment":"neutral","sentiment_score":0.17584045905442464,"channel":0,"num_words":63,"start":2523.0151,"end":2540.2798},{"sentences":[{"text":"Yeah.","start":2541.14,"end":2541.38,"sentiment":"neutral","sentiment_score":-0.00640492606908083},{"text":"But not yet.","start":2541.38,"end":2542.68,"sentiment":"neutral","sentiment_score":-0.04570765172441801}],"sentiment":"neutral","sentiment_score":-0.03588197031058371,"channel":1,"num_words":4,"start":2541.14,"end":2542.68},{"sentences":[{"text":"No.","start":2544.775,"end":2545.015,"sentiment":"neutral","sentiment_score":-0.104717455804348},{"text":"You guys need to sort your own situations out","start":2545.015,"end":2547.575,"sentiment":"neutral","sentiment_score":-0.08137377351522446}],"sentiment":"neutral","sentiment_score":-0.08370814174413681,"channel":0,"num_words":10,"start":2544.775,"end":2547.575},{"sentences":[{"text":"Yes.","start":2547.345,"end":2547.845,"sentiment":"neutral","sentiment_score":0.015578582882881165}],"sentiment":"neutral","sentiment_score":0.015578582882881165,"channel":1,"num_words":1,"start":2547.345,"end":2547.845},{"sentences":[{"text":"first once that's stable.","start":2547.575,"end":2548.9348,"sentiment":"neutral","sentiment_score":0.04170188959687948},{"text":"If you wanna kind of help them build a house deposit, we can look at that, but I'm thinking more like five to seven years down the line.","start":2548.9348,"end":2555.1,"sentiment":"neutral","sentiment_score":0.03532516215428976}],"sentiment":"neutral","sentiment_score":0.036122253084613476,"channel":0,"num_words":32,"start":2547.575,"end":2555.1},{"sentences":[{"text":"Yes.","start":2555.185,"end":2555.685,"sentiment":"neutral","sentiment_score":0.0713227316737175},{"text":"Yeah.","start":2555.745,"end":2556.245,"sentiment":"neutral","sentiment_score":0.09189316630363464},{"text":"Yep.","start":2556.625,"end":2557.125,"sentiment":"neutral","sentiment_score":0.1355175822973251}],"sentiment":"neutral","sentiment_score":0.09957782675822575,"channel":1,"num_words":3,"start":2555.185,"end":2557.125},{"sentences":[{"text":"Perfect.","start":2557.74,"end":2558.24,"sentiment":"positive","sentiment_score":0.390409380197525},{"text":"Do you guys have any other questions for me so far before I kind of wrap things up?","start":2558.4602,"end":2561.84,"sentiment":"neutral","sentiment_score":0.08320695679220888}],"sentiment":"neutral","sentiment_score":0.09937550539248868,"channel":0,"num_words":19,"start":2557.74,"end":2561.84},{"sentences":[{"text":"Not all good on our end.","start":2562.19,"end":2563.63,"sentiment":"neutral","sentiment_score":-0.33208272357781726},{"text":"Thank you.","start":2563.63,"end":2564.45,"sentiment":"neutral","sentiment_score":0.25785044580698013}],"sentiment":"neutral","sentiment_score":-0.18459943123161793,"channel":1,"num_words":8,"start":2562.19,"end":2564.45},{"sentences":[{"text":"Amazing.","start":2564.9402,"end":2565.4402,"sentiment":"positive","sentiment_score":0.4869173765182495},{"text":"That document there does have your service agreements for the next twelve months.","start":2566.4602,"end":2571.075,"sentiment":"neutral","sentiment_score":0.2476372650036445},{"text":"You should be on, and I wanna just double check on my system.","start":2572.035,"end":2576.375,"sentiment":"neutral","sentiment_score":0.20320929816135994},{"text":"You guys should be on the partnered fee discount of 1.1% rather than the usual 1.65.","start":2576.515,"end":2583.335,"sentiment":"neutral","sentiment_score":0.16048402478918433},{"text":"So I did wanna ask if you're still comfortable for us to look after the super.","start":2583.6,"end":2587.1401,"sentiment":"neutral","sentiment_score":0.11400154908187687}],"sentiment":"neutral","sentiment_score":0.1820286759254286,"channel":0,"num_words":59,"start":2564.9402,"end":2587.1401},{"sentences":[{"text":"Yes.","start":2587.7952,"end":2588.115,"sentiment":"neutral","sentiment_score":0.08033670485019684},{"text":"Yeah.","start":2588.115,"end":2588.3552,"sentiment":"neutral","sentiment_score":0.0745464414358139},{"text":"Yeah.","start":2588.3552,"end":2588.675,"sentiment":"neutral","sentiment_score":0.08184687793254852},{"text":"Yep.","start":2588.675,"end":2589.0,"sentiment":"neutral","sentiment_score":0.119908444583416}],"sentiment":"neutral","sentiment_score":0.08915961720049381,"channel":1,"num_words":4,"start":2587.7952,"end":2589.0},{"sentences":[{"text":"Cool.","start":2589.6802,"end":2590.0,"sentiment":"neutral","sentiment_score":0.2002448737621307},{"text":"I'm just gonna have a quick double check.","start":2590.0,"end":2591.52,"sentiment":"neutral","sentiment_score":0.05027117719873786},{"text":"I don't want you to sign anything until I've double checked it just because I've shot out the two separate emails.","start":2591.52,"end":2596.32,"sentiment":"neutral","sentiment_score":-0.10030929478151458},{"text":"So I just wanna make sure they're both correct.","start":2596.32,"end":2598.1,"sentiment":"neutral","sentiment_score":0.04655523267057207},{"text":"K.","start":2600.9749,"end":2601.375,"sentiment":"neutral","sentiment_score":0.025055764243006703}],"sentiment":"neutral","sentiment_score":-0.02650070101954043,"channel":0,"num_words":40,"start":2589.6802,"end":2601.375},{"sentences":[{"text":"We've got Patrick.","start":2601.375,"end":2604.355,"sentiment":"neutral","sentiment_score":0.08173976838588715},{"text":"Now while I'm just pulling these two emails up, do you guys want me to put you in for any kind of quarterly contacts every six months, or would you prefer just to kind of go through that update with me in a couple of weeks and then leave it for the annual review?","start":2606.1748,"end":2620.25,"sentiment":"neutral","sentiment_score":0.04483270410586287}],"sentiment":"neutral","sentiment_score":0.046775181173232566,"channel":0,"num_words":57,"start":2601.375,"end":2620.25},{"sentences":[{"text":"Yeah.","start":2620.43,"end":2620.83,"sentiment":"neutral","sentiment_score":0.08487673103809357},{"text":"We'll leave it for the annual review for the time being.","start":2620.83,"end":2623.3901,"sentiment":"neutral","sentiment_score":0.08103749426928433},{"text":"I think maybe","start":2623.3901,"end":2624.19,"sentiment":"neutral","sentiment_score":0.03469771333038807}],"sentiment":"neutral","sentiment_score":0.0720254871994257,"channel":1,"num_words":15,"start":2620.43,"end":2624.19},{"sentences":[{"text":"Yeah.","start":2623.9102,"end":2624.4102,"sentiment":"neutral","sentiment_score":0.04408135265111923}],"sentiment":"neutral","sentiment_score":0.04408135265111923,"channel":0,"num_words":1,"start":2623.9102,"end":2624.4102},{"sentences":[{"text":"when, like, yeah, when I'm back working and then, like, you know, if we're looking at maybe upgrading and stuff, then we might make it a little bit more regular.","start":2624.19,"end":2635.105,"sentiment":"neutral","sentiment_score":0.05324949851880471},{"text":"But, yeah,","start":2635.1648,"end":2635.885,"sentiment":"neutral","sentiment_score":0.1476769894361496}],"sentiment":"neutral","sentiment_score":0.059151216701138765,"channel":1,"num_words":32,"start":2624.19,"end":2635.885},{"sentences":[{"text":"Yep.","start":2635.765,"end":2636.265,"sentiment":"neutral","sentiment_score":0.2596439719200134}],"sentiment":"neutral","sentiment_score":0.2596439719200134,"channel":0,"num_words":1,"start":2635.765,"end":2636.265},{"sentences":[{"text":"for the time being, this is good.","start":2635.885,"end":2637.325,"sentiment":"positive","sentiment_score":0.5580033361911774},{"text":"Thank you.","start":2637.325,"end":2637.9849,"sentiment":"positive","sentiment_score":0.6396187245845795}],"sentiment":"positive","sentiment_score":0.5761400891674889,"channel":1,"num_words":9,"start":2635.885,"end":2637.9849},{"sentences":[{"text":"No.","start":2638.34,"end":2638.58,"sentiment":"neutral","sentiment_score":-0.007029637694358826},{"text":"That's perfect.","start":2638.58,"end":2639.3,"sentiment":"neutral","sentiment_score":0.3213668465614319},{"text":"I'll leave it for the annual review for now.","start":2639.3,"end":2641.06,"sentiment":"neutral","sentiment_score":0.3217221101125081},{"text":"If anything pops up, please just call through and book an appointment, and I'm happy to help out.","start":2641.06,"end":2645.8,"sentiment":"positive","sentiment_score":0.45635986328125}],"sentiment":"positive","sentiment_score":0.3915226861834526,"channel":0,"num_words":30,"start":2638.34,"end":2645.8},{"sentences":[{"text":"Fantastic.","start":2646.06,"end":2646.56,"sentiment":"positive","sentiment_score":0.8208993673324585}],"sentiment":"positive","sentiment_score":0.8208993673324585,"channel":1,"num_words":1,"start":2646.06,"end":2646.56},{"sentences":[{"text":"Awesome, guys.","start":2647.46,"end":2648.02,"sentiment":"positive","sentiment_score":0.8359782099723816},{"text":"I'll leave those two emails with you, and the team will probably call you in about a fortnight just to walk through those updated plans together.","start":2648.02,"end":2654.7449,"sentiment":"positive","sentiment_score":0.5676594342176731}],"sentiment":"positive","sentiment_score":0.5868250610572951,"channel":0,"num_words":28,"start":2647.46,"end":2654.7449},{"sentences":[{"text":"Alright.","start":2654.979,"end":2655.459,"sentiment":"positive","sentiment_score":0.5690233707427979},{"text":"Fantastic.","start":2655.459,"end":2655.959,"sentiment":"positive","sentiment_score":0.828188955783844},{"text":"Thank you.","start":2656.179,"end":2656.999,"sentiment":"positive","sentiment_score":0.8193835020065308}],"sentiment":"positive","sentiment_score":0.7589948326349258,"channel":1,"num_words":4,"start":2654.979,"end":2656.999},{"sentences":[{"text":"Thank you so much.","start":2657.045,"end":2657.765,"sentiment":"positive","sentiment_score":0.8589051812887192},{"text":"Have a fantastic","start":2657.765,"end":2658.565,"sentiment":"positive","sentiment_score":0.8230292399724325}],"sentiment":"positive","sentiment_score":0.8435297778674534,"channel":0,"num_words":7,"start":2657.045,"end":2658.565},{"sentences":[{"text":"Thanks.","start":2658.3389,"end":2658.8389,"sentiment":"positive","sentiment_score":0.7508410215377808}],"sentiment":"positive","sentiment_score":0.7508410215377808,"channel":1,"num_words":1,"start":2658.3389,"end":2658.8389},{"sentences":[{"text":"day.","start":2658.565,"end":2659.065,"sentiment":"positive","sentiment_score":0.542674720287323}],"sentiment":"positive","sentiment_score":0.542674720287323,"channel":0,"num_words":1,"start":2658.565,"end":2659.065},{"sentences":[{"text":"You too.","start":2659.139,"end":2659.619,"sentiment":"positive","sentiment_score":0.45690178871154785},{"text":"Bye bye.","start":2659.619,"end":2660.279,"sentiment":"neutral","sentiment_score":0.26328225433826447}],"sentiment":"positive","sentiment_score":0.36009202152490616,"channel":1,"num_words":4,"start":2659.139,"end":2660.279},{"sentences":[{"text":"Bye.","start":2660.2449,"end":2660.7449,"sentiment":"neutral","sentiment_score":-0.09946536272764206}],"sentiment":"neutral","sentiment_score":-0.09946536272764206,"channel":0,"num_words":1,"start":2660.2449,"end":2660.7449}]},"summary":{"result":"success","short":"The speaker discusses the process of reviewing financial services and insurance policies with a customer. They provide details on income and assets, including work car, personal loans, and retirement plans. The speaker emphasizes the importance of maintaining a stable and affordable life and offers advice on transferring power of attorney and settling debts. They also discuss the benefits of a testamentary trust and the importance of settling any issues before investing in a property. The speaker suggests considering personal investment and maintaining a stable and affordable life. They offer to provide quarterly updates and scheduling appointments for annual reviews."},"intents":{"segments":[{"text":"I'm gonna go through and send you each an annual review pack. Are you okay to go through a quick security process with me before I go over any details? Yes.","start_word":166,"end_word":196,"intents":[{"intent":"Determine security process","confidence_score":0.00035489275},{"intent":"Record annual review","confidence_score":0.000018234547}]},{"text":"I'm gonna go through and send you each an annual review pack. Are you okay to go through a quick security process with me before I go over any details? Yes. Of course.","start_word":166,"end_word":198,"intents":[{"intent":"Discuss details","confidence_score":0.0022397658}]},{"text":"If you could please confirm your date of birth and address. So date of birth is 06/05/1984, and address is 52 Bryant Avenue, Middleton Grange, New South Wales 2171. Perfect.","start_word":220,"end_word":249,"intents":[{"intent":"Confirm date of birth","confidence_score":0.36880505}]},{"text":"And the same address? Same address. Yes. Perfect.","start_word":265,"end_word":272,"intents":[{"intent":"Check address","confidence_score":0.041149214}]},{"text":"Maybe if you could send them both through to Pat's email address, but, yeah, we we're we kind of wanted to have the call today just to make sure because I can't remember if we sorted out last time that we can speak on each other's behalf.","start_word":307,"end_word":353,"intents":[{"intent":"Send documents to pat","confidence_score":0.041919596}]},{"text":"I've got to send through your annual review packs to your email that's registered with Hub so Okay.","start_word":388,"end_word":405,"intents":[{"intent":"Send annual review packs","confidence_score":0.102387205}]},{"text":"I've got to send through your annual review packs to your email that's registered with Hub so Okay. it matches Yep. up with them, Yep. but I can definitely sort of forward the attachments as well. There isn't too much difference between the two, just Uh-huh. the certificate of currency for your insurances. Okay.","start_word":388,"end_word":441,"intents":[{"intent":"Review document","confidence_score":0.0023964378}]},{"text":"but I can definitely sort of forward the attachments as well. There isn't too much difference between the two, just Uh-huh. the certificate of currency for your insurances. Okay.","start_word":413,"end_word":441,"intents":[{"intent":"Forward attachments","confidence_score":0.82899374}]},{"text":"So you're getting a super insurance summary, performance report, your TAO certificate, and an updated financial services guide. So that should come through.","start_word":535,"end_word":557,"intents":[{"intent":"Provide insurance summary","confidence_score":0.007297039}]},{"text":"To sign yep. So to sign the document, basically, is that the or you got the attachment below?","start_word":617,"end_word":634,"intents":[{"intent":"Sign document","confidence_score":0.59653205}]},{"text":"Before I jump into any details, is there anything in particular you guys would like to get out of this review outside of the third party authority?","start_word":843,"end_word":869,"intents":[{"intent":"Review details","confidence_score":0.021295516}]},{"text":"Before I jump into any details, is there anything in particular you guys would like to get out of this review outside of the third party authority? Maybe you can confirm for me as well that we both have life insurance. Can you check that on your Pretty sure we do. But yeah. I Yeah. sure Yep. can. Okay. So I'll Yep. start there, actually, and then I'll go through and update your details. Yep.","start_word":843,"end_word":917,"intents":[{"intent":"Update details","confidence_score":0.3409996}]},{"text":"Maybe you can confirm for me as well that we both have life insurance. Can you check that on your Pretty sure we do.","start_word":870,"end_word":893,"intents":[{"intent":"Confirm health insurance coverage","confidence_score":0.0055123386}]},{"text":"So with let's see who we've got first. We have Clearview policy for Misha, I believe, and you've got Yeah.","start_word":918,"end_word":937,"intents":[{"intent":"Confirm identity","confidence_score":0.07027812}]},{"text":"That explains why the contributions weren't going in.","start_word":1080,"end_word":1087,"intents":[{"intent":"Discuss contributions","confidence_score":0.040089626}]},{"text":"I'm just gonna bring up your income details. I think we had you on a 128,000 as an engineer. Yeah.","start_word":1129,"end_word":1148,"intents":[{"intent":"Discuss income","confidence_score":0.031413354}]},{"text":"I think, say, a comfortable value for the property would should be 1.2, say. Yep.","start_word":1261,"end_word":1275,"intents":[{"intent":"Discuss property value","confidence_score":0.036346056}]},{"text":"a bit in terms of okay. So say however much is owing, say call it let's say, 500, say, and then Yep. if you take out all the other offsets and all that, it's probably about that same amount, that's $3.53 80 mark.","start_word":1350,"end_word":1392,"intents":[{"intent":"Check balance","confidence_score":0.0020293016}]},{"text":"The family unit is done. I have my third due in June, and that's exactly right. Family unit will be done in a month's time. I'm very excited.","start_word":1694,"end_word":1721,"intents":[{"intent":"Discuss family unit completion","confidence_score":0.09100438}]},{"text":"I would say our second's better with the youngest, whereas that eldest is probably a little bit more unfazed, but he's leaning a little bit more into his relationship with Pat. Like, they get a bit more one on one time. Yeah.","start_word":1752,"end_word":1793,"intents":[{"intent":"Discuss child's relationship","confidence_score":0.04402531},{"intent":"Discuss relationship with pat","confidence_score":0.002622005}]},{"text":"A couple of other questions that are a little bit new for us is just have you guys ever gone through a debt agreement or bankruptcy before?","start_word":1878,"end_word":1904,"intents":[{"intent":"Discuss personal information","confidence_score":0.00007693879}]},{"text":"A couple of other questions that are a little bit new for us is just have you guys ever gone through a debt agreement or bankruptcy before? No bankruptcy.","start_word":1878,"end_word":1906,"intents":[{"intent":"Discuss debt agreement/friday","confidence_score":0.005880172}]},{"text":"Oh, if if Pardonnay has ever been affected by that? Yeah.","start_word":1945,"end_word":1955,"intents":[{"intent":"Evaluate pardonnay's impact on debt","confidence_score":0.00042866642}]},{"text":"Now the pricing isn't too bad on the life and TPD.","start_word":2029,"end_word":2039,"intents":[{"intent":"Discuss coverage price","confidence_score":0.00015814033}]},{"text":"So the life insurance for Tal is about 500. The TPD insurance for Tal is about $5.80, whereas, Misha, you're on around about $3.15, $3.42. So Okay.","start_word":2086,"end_word":2112,"intents":[{"intent":"Clarify insurance coverage","confidence_score":0.17222042}]},{"text":"When you get older, especially, like, late forties, early fifties, insurance premiums increase so quickly that it's just a matter of trimming it down as you pay off your mortgage. Yeah.","start_word":2395,"end_word":2425,"intents":[{"intent":"Calculate premiums","confidence_score":0.031778023}]},{"text":"Do you guys log in to your super every so often? Yeah. I do every now and then. I've I've maybe done it once or twice. Yep. Totally.","start_word":2906,"end_word":2933,"intents":[{"intent":"Evaluate super usage","confidence_score":0.0024280231}]},{"text":"Well, that's one of those ones where we do we call it diversification because if we swung it all into one, it's gonna go up a 100, down 80, and your soup is Yeah.","start_word":3465,"end_word":3498,"intents":[{"intent":"Discuss diversification","confidence_score":0.20851803}]},{"text":"Everything there is looking really, really strong. Like, this is actually the best returns I've seen all year for all of the Oakview clients. Most of it's between 27, 30%. You do have that one at the top, Bennelong, which is down 7.95.","start_word":3506,"end_word":3548,"intents":[{"intent":"Express optimism","confidence_score":0.0011223264}]},{"text":"even though it's kind of gotten the fantastic return overall, that's one to look at possibly replacing. Yeah. Yeah.","start_word":3588,"end_word":3606,"intents":[{"intent":"Suggest replacement option","confidence_score":0.0069798306}]},{"text":"Do you have a preference between low fees or paying a bit more to try and get a higher return?","start_word":3751,"end_word":3770,"intents":[{"intent":"Propose price preference","confidence_score":0.000019604435}]},{"text":"I'll update your statement of advice and walk you through what that change Yeah.","start_word":3900,"end_word":3913,"intents":[{"intent":"Update statement of advice","confidence_score":0.078846514}]},{"text":"Do you have a preference either way, Misha, between the low fees versus the active? Yeah.","start_word":4120,"end_word":4135,"intents":[{"intent":"Compare options","confidence_score":0.022081817}]},{"text":"planning goes, you both have your beneficiaries in place to each other, Yep. nonlapsing binding. I'm just gonna double check that all the details are correct.","start_word":4250,"end_word":4275,"intents":[{"intent":"Evaluate estate planning","confidence_score":0.0774308}]},{"text":"Now where the testamentary trust comes into it is if you pass away, a trust fund can be created, Mhmm. and then you can be a bit more specific about how income is distributed out to minor children until they're 18. You can kind of plan beyond the grave how the funds Yep. are used for them. Sorry.","start_word":4634,"end_word":4691,"intents":[{"intent":"Explain trust process","confidence_score":0.0031664125}]},{"text":"moved you could build by three properties now, and all three of them upon your death can be moved into a trust without triggering that. K.","start_word":5007,"end_word":5032,"intents":[{"intent":"Explain process of moving asset to trust","confidence_score":4.574582e-8}]},{"text":"it's I think I was really powerful the more assets that you get. yeah.","start_word":5049,"end_word":5062,"intents":[{"intent":"Explain power of a trust","confidence_score":0.002193882},{"intent":"Explain power of a trust","confidence_score":0.015407581}]},{"text":"the kids will actually end up disadvantaged by getting things because they have to pay tax or whatever on whatever they inherit. It's actually the same thing too when it comes to super. So Yeah.","start_word":5113,"end_word":5147,"intents":[{"intent":"Explain tax implications","confidence_score":0.0057411664}]},{"text":"I've seen it all the time. Someone says half goes to my partner and 25% or however much goes between two or three children. Yep.","start_word":5163,"end_word":5187,"intents":[{"intent":"Recall past discussions","confidence_score":9.758074e-7}]},{"text":"Someone says half goes to my partner and 25% or however much goes between two or three children.","start_word":5169,"end_word":5186,"intents":[{"intent":"Explain relationship between children and parents","confidence_score":0.0005221328}]},{"text":"Is there anything else that's kind of a a major focus for you over the next three to five years goals wise?","start_word":5639,"end_word":5660,"intents":[{"intent":"Schedule and plan financial goals","confidence_score":0.00001536639}]},{"text":"When it comes time, I can kind of pass on his details to you.","start_word":6954,"end_word":6967,"intents":[{"intent":"Pass details","confidence_score":0.7285938}]},{"text":"And the last thing you want is interest rates to spike up even further, Yes.","start_word":7086,"end_word":7100,"intents":[{"intent":"Address interest rates","confidence_score":0.0061058905}]},{"text":"The other question I had as well just to kinda cap things off is, do you guys ever wanna consider any type of personal investment, be it shares, managed fund, anything besides property as well down the line, or would you prefer to stick to the property and super route?","start_word":7149,"end_word":7198,"intents":[{"intent":"Consider investment options","confidence_score":0.15463229}]},{"text":"And it's one thing that, like, we do give that sort of range of advice. And I think the moment you get into the upgraded home for the family, that's gonna be a big focus for your cash flow for a number of years. And yeah.","start_word":7276,"end_word":7321,"intents":[{"intent":"Discuss cash flow","confidence_score":0.0520367}]},{"text":"The only example I would give is your like, your hub twenty four super as an example. You guys are actually linked together for family fee linking to reduce the fees. Yeah.","start_word":7347,"end_word":7378,"intents":[{"intent":"Evaluate options and fees","confidence_score":0.000024622906}]}]},"sentiments":{"segments":[{"text":"Patrick Hey, Patrick. It's Tommy here, senior adviser from. How are you doing today? speaking.","start_word":0,"end_word":14,"sentiment":"neutral","sentiment_score":0.14139197766780853},{"text":"Good. Good.","start_word":15,"end_word":16,"sentiment":"positive","sentiment_score":0.5377634167671204},{"text":"I've you rang Misha's phone, but, yeah, we're together anyway. That's my wife. So yeah.","start_word":17,"end_word":31,"sentiment":"neutral","sentiment_score":0.2418801486492157},{"text":"Perfect.","start_word":32,"end_word":32,"sentiment":"positive","sentiment_score":0.504547119140625},{"text":"I was debating which phone number to Phone call, so service? I'll just Yeah. try Okay. 11. Yeah. Just With Carl being away today, I've decided to sort of jump on and go through this review with you guys. So forgive me for that. Sorry. Yeah. Do you want me to call you back on your mobile and No. do a No. bit of loud speaker? What's No. easier? No. I'll just put it on speaker, and, yeah, Misha's here now. So How are you going?","start_word":33,"end_word":118,"sentiment":"neutral","sentiment_score":-0.06672871857881546},{"text":"Hey, Misha. I'm doing fantastic. It's a beautiful cool day on the Gold Coast.","start_word":119,"end_word":132,"sentiment":"positive","sentiment_score":0.6336452960968018},{"text":"What about where you guys are? Yeah. Like, 22. It's not too bad. Not too bad.","start_word":133,"end_word":148,"sentiment":"neutral","sentiment_score":0.1414734423160553},{"text":"Good rug up weather. Nice and sunny, I hope.","start_word":149,"end_word":157,"sentiment":"positive","sentiment_score":0.5079104900360107},{"text":"Yeah. It's sunny. Yeah.","start_word":158,"end_word":161,"sentiment":"neutral","sentiment_score":0.2328684628009796},{"text":"Kind Amazing.","start_word":162,"end_word":163,"sentiment":"positive","sentiment_score":0.5212804079055786},{"text":"of.","start_word":164,"end_word":164,"sentiment":"neutral","sentiment_score":0.30687466263771057},{"text":"Amazing. I'm gonna go through and send you each an annual review pack.","start_word":165,"end_word":177,"sentiment":"positive","sentiment_score":0.38658249378204346},{"text":"Are you okay to go through a quick security process with me before I go over any details? Yes. Of course. Yep.","start_word":178,"end_word":199,"sentiment":"neutral","sentiment_score":0.11913757026195526},{"text":"Amazing.","start_word":200,"end_word":200,"sentiment":"positive","sentiment_score":0.3562551736831665},{"text":"Are you both okay for the call to be recorded? Yes. Yep. Perfect. Patrick, I'll start with yourself, mate. If you could please confirm your date of birth and address. So date of birth is 06/05/1984, and address is 52 Bryant Avenue, Middleton Grange, New South Wales 2171. Perfect. And, Misha, could I just confirm your date of birth, please? Yeah. The 1987. Perfect. And the same address? Same address. Yes. Perfect. So I'm gonna shoot this through to you guys now. Will you be able to look on to either email address with me today, or should I just walk you through what's there? Maybe if you could send them both through to Pat's email address, but, yeah, we we're we kind of wanted to have the call today just to make sure because I can't remember if we sorted out last time that we can speak on each other's behalf. So we just wanna make Oh, sure yes. that is also sorted as well.","start_word":201,"end_word":366,"sentiment":"neutral","sentiment_score":0.08848943130438586},{"text":"Perfect. Perfect.","start_word":367,"end_word":368,"sentiment":"positive","sentiment_score":0.6653542518615723},{"text":"So what I might do is just for a bit of a a trick of IT here is Yep. I've got to send through your annual review packs to your email that's registered with Hub so Okay. it matches Yep. up with them, Yep. but I can definitely sort of forward the attachments as well. There isn't too much difference between the two, just Uh-huh. the certificate of currency for your insurances. Okay. Yep. Is that okay just for today? Yes. Of course.","start_word":369,"end_word":451,"sentiment":"neutral","sentiment_score":0.1338518261909485},{"text":"Perfect. We've had a bit of a new system that we've set up over Christmas time, and so I've just been having a bit of fun splicing all of your details together and making sure it's correct.","start_word":452,"end_word":488,"sentiment":"positive","sentiment_score":0.3685494661331177},{"text":"So I've got my three screens open with six documents. So if I do go quiet for a moment, I'm just navigating if that's alright. Yep. No problem. So I'll send the first one through to Patrick now, and that's your Hotmail address, mate. Okay. Yep. So you're getting a super insurance summary, performance report, your TAO certificate, and an updated financial services guide. So that should come through. Usually, first email comes through either to your main inbox or spam box just to do with filtering from the new system. But once that's done, all the rest of them should go through pretty quickly as well. Yep. Yeah. Here we go.","start_word":489,"end_word":600,"sentiment":"neutral","sentiment_score":0.19043198227882385},{"text":"Perfect. Did that come through straight away?","start_word":601,"end_word":607,"sentiment":"positive","sentiment_score":0.4144990146160126},{"text":"Let's see if it's here we go. Yep. Yep. To sign yep. So to sign the document, basically, is that the or you got the attachment below? So the At the attachments bottom. is Yep. for the review at the bottom, kind of like PDF attachments. That's what we'll go through together. If Yep. you're still comfortable with the services after that, that signature link is for the service agreement. Yeah. Okay.","start_word":608,"end_word":679,"sentiment":"neutral","sentiment_score":0.11118928446537918},{"text":"Yep. Perfect. I've just shot through Misha's as well to her email address for the time being.","start_word":680,"end_word":696,"sentiment":"positive","sentiment_score":0.39144301414489746},{"text":"Now as far as sort of talking on each other's behalf, that would normally be an external third party authority. Do you guys ever recall filling in and signing off on those? I believe I did. Yeah. Yeah. It was a couple of years ago, though. Yeah. The time we did it was just before we were due without third. So it was yeah. I can't remember if we finalized that or not. Perfect. So I will get that investigated in the background for you. It's not Okay. on the front dashboard, but I'll Yeah. make sure we get, like, a tag applied to each of your files just to make sure that's up front. Alright. So leave that one with me. We'll go through the details together, and then Okay. I'll And send then you a text if it's not in place. Okay.","start_word":697,"end_word":840,"sentiment":"neutral","sentiment_score":0.02765943482518196},{"text":"Perfect.","start_word":841,"end_word":841,"sentiment":"positive","sentiment_score":0.36627668142318726},{"text":"Perfect. Before I jump into any details, is there anything in particular you guys would like to get out of this review outside of the third party authority? Maybe you can confirm for me as well that we both have life insurance. Can you check that on your Pretty sure we do. But yeah. I Yeah. sure Yep. can. Okay. So I'll Yep. start there, actually, and then I'll go through and update your details. Yep. So with let's see who we've got first. We have Clearview policy for Misha, I believe, and you've got Yeah. life disability and income protection. Okay.","start_word":842,"end_word":943,"sentiment":"neutral","sentiment_score":0.0345517173409462},{"text":"Great. Thank you.","start_word":944,"end_word":946,"sentiment":"positive","sentiment_score":0.43947845697402954},{"text":"And for Patrick, you have a TAL policy, life TPD, and income protection. You're both insured for the same amounts of lump sum cover. It's just your income protection varies based on a percentage of your income. Yep. Okay. Great. Alright. Now have you had any significant changes with work at Yep. the moment? I'll go back to work in August. So we kind of signed me we got me across to you guys not long before we had our third child, so then I went on mat leave not long after. But, otherwise, there's been no real changes. No. Perfect. I just Perfect, haven't been sir. I've only been receiving like, I received a little bit of a government payment and then from my work, but I'll be back in August.","start_word":947,"end_word":1078,"sentiment":"neutral","sentiment_score":0.07275920716876333},{"text":"Awesome.","start_word":1079,"end_word":1079,"sentiment":"positive","sentiment_score":0.4325354993343353},{"text":"That explains why the contributions weren't going in. I was looking at it, and I saw, like, a rollover, like, a little final rollover from rest. And I was like, oh, no. I hope they're not going back there. Yep. Okay.","start_word":1080,"end_word":1120,"sentiment":"neutral","sentiment_score":-0.03690830245614052},{"text":"So that's perfect.","start_word":1121,"end_word":1123,"sentiment":"positive","sentiment_score":0.4462760388851166},{"text":"And, Patrick, what about you? I'm just gonna bring up your income details. I think we had you on a 128,000 as an engineer. Yeah. It's probably going up a little bit, but, yeah, it's around that month, I think.","start_word":1124,"end_word":1163,"sentiment":"neutral","sentiment_score":0.05873344838619232},{"text":"That that's Cool. That's about super.","start_word":1164,"end_word":1169,"sentiment":"positive","sentiment_score":0.3893996477127075},{"text":"Right? Yeah. Just kind of like gross salary, if you will, and Yeah. Yeah. the I the 12 think percent on top. Yep. Yeah. So I think it's alright. Yeah. Call it one thirty. Yeah. So I think it's around that.","start_word":1170,"end_word":1210,"sentiment":"neutral","sentiment_score":0.05740334093570709},{"text":"Perfect.","start_word":1211,"end_word":1211,"sentiment":"positive","sentiment_score":0.37164533138275146},{"text":"Perfect. Now when it comes into, like, the insurance side of things, we did have you with a relatively small mortgage, and the property was sitting sort of well over a million dollars, which I'm assuming probably has jumped up since we last spoke to you as well. Yeah. I think, say, a comfortable value for the property would should be 1.2, say. Yep. 1.2. And we have 350,000 owing. Would that be under 300 now? And it's probably about the same because we've got the whole, you know, the whole offset and that kind of structure happening. Yeah. Which I think last time we checked was about $2.20 sitting in offset. Yeah. That was a while ago. Yeah. No. I haven't been working. So it's kinda been on one salary. Yeah. So it's kinda been Yeah. a bit in terms of okay. So say however much is owing, say call it let's say, 500, say, and then Yep. if you take out all the other offsets and all that, it's probably about that same amount, that's $3.53 80 mark. Yep.","start_word":1212,"end_word":1392,"sentiment":"neutral","sentiment_score":0.013085752061840908},{"text":"So I Awesome.","start_word":1393,"end_word":1395,"sentiment":"positive","sentiment_score":0.42989522218704224},{"text":"don't know how you yeah. I don't know how you did you want the net owing, or is it more what's, you know, Either up or kinda there? works. I can kind of just minus off the the debt in quarter, an average 1 50, say, and just say you've kind of spent about 50 to 70 out of the savings, if that sounds accurate to you. Yes. I reckon if if you get rid of all the offsets and take it all off, we're probably owing, let's say, $3.80, something like that.","start_word":1396,"end_word":1488,"sentiment":"neutral","sentiment_score":0.057584263384342194},{"text":"Perfect. Perfect.","start_word":1489,"end_word":1490,"sentiment":"positive","sentiment_score":0.4038628339767456},{"text":"And as far as other assets go, each had a car. I believe you both had car loans. Oh, no. So Pat's car is a work car, so that doesn't come into it. It's just my Volkswagen, which we now own outright.","start_word":1491,"end_word":1532,"sentiment":"neutral","sentiment_score":0.049920737743377686},{"text":"Perfect. Congratulations.","start_word":1533,"end_word":1534,"sentiment":"positive","sentiment_score":0.5600441694259644},{"text":"Clearing out a card debt is always lovely. Having those consumer loans can probably be the most painful in today's cost of living. That's for sure. Yeah. So you've got the work car. The Volkswagen is paid off. Perfect. Do you guys have anything else in terms of assets or loans, any shares, crypto, personal No. loans, anything else? Jeez. No. No. No. No. No. Perfect. So relatively straightforward. And I'm assuming your your priority is just to kind of finish off that mortgage. I was looking through some of the old goals from when you guys first came on board, and there was a really big focus around family. Yes. Yes. Yep. Yep. So you've just got the the two children still and a bit of No. a minor Three. mortgage. Three children. Three. That's right. You're third, you did mention. Sorry. That's okay. But we that's Third done now. child. The the family unit is done.","start_word":1535,"end_word":1692,"sentiment":"neutral","sentiment_score":0.014548664912581444},{"text":"The family unit is done. I have my third due in June, and that's exactly right. Family unit will be done in a month's time. I'm very excited. How have all the kids been with the youngest sibling?","start_word":1693,"end_word":1730,"sentiment":"positive","sentiment_score":0.47878238558769226},{"text":"Have they gotten well okay? At the start, it was a bit of a shock for our second. But now Yes. I would say our second's better with the youngest, whereas that eldest is probably a little bit more unfazed, but he's leaning a little bit more into his relationship with Pat. Like, they get a bit more one on one time. Yeah.","start_word":1731,"end_word":1793,"sentiment":"neutral","sentiment_score":0.001117719104513526},{"text":"That's amazing.","start_word":1794,"end_word":1795,"sentiment":"positive","sentiment_score":0.5526406764984131},{"text":"I think my my second got the gender reveal and had Yep. this little card with all the glitter popped out and just went, no. I don't want a sister.","start_word":1796,"end_word":1825,"sentiment":"neutral","sentiment_score":0.18254666030406952},{"text":"And I reckon, hopefully, they get along pretty well.","start_word":1826,"end_word":1834,"sentiment":"positive","sentiment_score":0.38544997572898865},{"text":"It's one of those things that it might flip once they're born. Yeah.","start_word":1835,"end_word":1847,"sentiment":"neutral","sentiment_score":0.16085858643054962},{"text":"Perfect. Perfect. So everything has been pretty stable. You're back to work soon.","start_word":1848,"end_word":1860,"sentiment":"positive","sentiment_score":0.39967018365859985},{"text":"And, Pat, you're still with Rondo? Yeah. Still there. Yep. Yep. Perfect. Outside of that, nothing crazy. A couple of other questions that are a little bit new for us is just have you guys ever gone through a debt agreement or bankruptcy before? No bankruptcy. What what was that first one? Debt? No So debt. a debt Not agreement debt. is No. called, like, a part nine. It's like a it's a fun kind of bankruptcy where you pay it off over time. Oh, if if Pardonnay has ever been affected by that? Yeah. Have you ever gone Yeah. through No. a No. a part nine before? No. Perfect. Perfect. Perfect.","start_word":1861,"end_word":1972,"sentiment":"neutral","sentiment_score":0.0006919963634572923},{"text":"So that's all looking good.","start_word":1973,"end_word":1977,"sentiment":"positive","sentiment_score":0.3564324975013733},{"text":"When I was talking about the insurances before, so with the little bit over the million in life insurance and disability, That obviously clears off your debt and leaves you with about 3 quarters of 1,000,000 to replace lost income of each other on top of your Mhmm. super as well. Now the pricing isn't too bad on the life and TPD. I think each policy for perhaps, like, just over $500 before the tax rebate out of super. For Misha, Sorry. Can you you're about. could sorry. Can you repeat that again? How much you're how much you're paying for the Oh. Insurance? Okay. Yep. Yeah. Correct. So the life insurance for Tal is about 500. The TPD insurance for Tal is about $5.80, whereas, Misha, you're on around about $3.15, $3.42. So Okay. it's not Yep. too much coming out of the super there. I just wanted to check with you guys the amounts, though, because you have the situation you've got with the offsets and everything. Having that extra money to replace incomes, if you were to pass away or can never work again, does that sound like a how does a claim scenario kind of look for you guys? Debt's paid off. There's 3 quarter of $1,000,000 there. Is that Yeah. good? Is that too much? It's probably it's enough. Yeah. It's definitely enough. I don't I don't know how to say how you clarify if it is too much or, but, yeah, it covers them. I think we'll leave it as Yeah. Yeah. It covers the debt, and you've got extra, but yeah. Absolutely. And the way I kind of work it back in Yeah. practical terms is let's say you've got your your super there. I'll I'll use Pat as an example. Mortgage is paid off. If you add your super and your insurance together, you sit there with a million dollars. You can then invest that potentially into your pension account if you were TPD'd and can never work again. And then you Yeah. can pretty much live off of that all the way through to retirement. Put it in Yeah. a Okay. conservative fund, generate $50,000 worth of interest out of it. If you lived off more than 50,000, you would slowly use it up over about thirty, forty years' time. Yeah.","start_word":1978,"end_word":2367,"sentiment":"neutral","sentiment_score":0.041427283982435864},{"text":"So That's it fine. can get you guys by, if that makes sense.","start_word":2368,"end_word":2380,"sentiment":"positive","sentiment_score":0.3675130605697632},{"text":"Yeah. Yeah.","start_word":2381,"end_word":2382,"sentiment":"neutral","sentiment_score":0.24801239371299744},{"text":"That's fine.","start_word":2383,"end_word":2384,"sentiment":"positive","sentiment_score":0.33482202887535095},{"text":"Yeah. And the main thing too is just look. When you get older, especially, like, late forties, early fifties, insurance premiums increase so quickly that it's just a matter of trimming it down as you pay off your mortgage. Yeah. Okay. Yep. Yeah. Yeah. Mhmm.","start_word":2385,"end_word":2429,"sentiment":"neutral","sentiment_score":0.04634203314781189},{"text":"Perfect.","start_word":2430,"end_word":2430,"sentiment":"positive","sentiment_score":0.5307642817497253},{"text":"Just when it comes to the income protection, so, Misha, you have a ninety day waiting period, which means Yep. you pretty much get by for a few months, then it kicks in monthly, and it'll pay you all the way up to the age of 65. Yep. So you're insured for $4,947 a month worth of cover. And if I work that back as a bit of a calculation, it's protecting an income of about $85,000 gross. Yep. So tiny bit above the 82 that we had you on previously. If you were to claim on it right now, they do kind of look back twelve months, and mat leave plays into it a little bit. But if you're about to go back to work, then that shouldn't be too much of a problem. Okay.","start_word":2431,"end_word":2566,"sentiment":"neutral","sentiment_score":0.18783076107501984},{"text":"Great. Yep. Cool.","start_word":2567,"end_word":2569,"sentiment":"positive","sentiment_score":0.4236995875835418},{"text":"Does that sound pretty close to what you will be earning? A bit more. Yeah. It might be a bit more. But you guys so we do it would it include my car allowance? Usually includes a bit of super on top because I think we had your full salary package at over a 100,000, about 105. Yeah. Yeah. The I car think allowance my, of about 12, super yeah, included. my car allowance got has gone up to 17 and a half. Okay. Perfect. 17 and a half. So worst case scenario, let's say that you, on paper, have 82,000 instead of 84, they would pay you 70% of the 82, if that Okay. makes sense. Yep. So it's just as long as there's not like a big discrepancy where you're over insured and paying too much for what you can't claim on, that's Yeah. kind of Okay. the main thing. That Yep. shouldn't be too much of a problem for you. And for Patrick, just quickly working back your calculation, mate, because they do increase your cover gradually. It's a bit Yeah. of an inflation protection. And at 70 Mhmm. percent, it's working out about a 116,000. Yeah. That's yeah.","start_word":2570,"end_word":2771,"sentiment":"neutral","sentiment_score":0.07734599672626741},{"text":"Cool. And Okay. yours is a lot quicker.","start_word":2772,"end_word":2779,"sentiment":"positive","sentiment_score":0.4682191908359528},{"text":"So you've got only a four week wait. So if you're off for a month, it'll kick in for up to five years. Yeah.","start_word":2780,"end_word":2803,"sentiment":"neutral","sentiment_score":0.20442718267440796},{"text":"Okay. That's good. Cool.","start_word":2804,"end_word":2807,"sentiment":"positive","sentiment_score":0.5685265064239502},{"text":"So premiums on that aren't looking too bad. It's not really holding the super back too much. It's mainly just a matter of getting some contributions rolling into Mitch's Fund again. And if it jumps up another 500 or a thousand, we can always kind of trim it, do a bit of shopping around. Yes. Yes. Okay.","start_word":2808,"end_word":2864,"sentiment":"neutral","sentiment_score":0.13200797140598297},{"text":"Perfect.","start_word":2865,"end_word":2865,"sentiment":"positive","sentiment_score":0.472538948059082},{"text":"Now I've got some performance reports sent through to you. I don't know if you can see that attachment for the hub twenty four twelve month performance. Can you see that one there? The first is sessions. Yep. Yeah. Perfect. Do you guys log in to your super every so often? Yeah. I do every now and then. I've I've maybe done it once or twice. Yep. Totally. Fair. Any thoughts or feelings on it so far from from your angle? Yeah. Like, it did it did go up quite well because I think from memory from memory, it got up to, like, three twenty in the account, but then I know that it dropped off in the last few months or or so. And, yeah, I think last time I checked, it was maybe around two eighty, two ninety, maybe. So, yeah, Yeah. but And I then think that's sitting today, three zero four, four off 10. very far, is it? Yeah. So it did yeah. Like, I think it was probably happened everywhere, that big drop off. But, yeah, it's yeah. It's okay for now, I guess. And We're I not guess retiring the, yet. So Yeah. no, still many, many years to go. The way I would kind of describe it a little bit in terms of volatility is perhaps in a high growth. So call it a five out of five, trying to get the higher returns long term. Yep. So going from three twelve down to two eighty and then back up to $3.00 4 in the span of, like, two months, that's very normal for this type of Yeah. situation. Yeah. Okay. So and the more you build your balance up because it's all percentage based returns, you're gonna see a much larger dollar value swing up and down. Yeah. Okay. So Yeah. 10% up or down for you, which is the average for high growth, is, like, $30,000. Yeah. Okay. So there's a range that you yeah. Okay.","start_word":2866,"end_word":3200,"sentiment":"neutral","sentiment_score":0.035435402081973516},{"text":"Cool. That's good to know.","start_word":3201,"end_word":3205,"sentiment":"positive","sentiment_score":0.5395680665969849},{"text":"Yep. The the returns themselves, though, it's it's a very strange kind of thing to see. Can you see that blue table there for that hub 20 '4 performance report? Which page are you looking at? Sorry. It should be the first page of that document, and it Yes. should just have a nice big performance title at the top left. Yep. Yep. And if K. you see that table, it's got a whole bunch of codes on the left. It's got, like, Ben and Long, beta global, Yep. beta robotics, all that kind of thing. Yeah. Yes. Yep. Yep. So right hand side is the percentage returns for each option, and the page after that is your overall portfolio. Okay. So return So net fee is 30.9%. Is that correct. yeah. Okay. So Yeah. your total earnings, I guess, for the year, $40,000 in growth. I was actually pleasantly surprised because a lot of people I'm talking to at the moment, their super is kind of negative for the year or low single digits. So both of you guys have really high double digit returns so far. In terms of the percentage. Correct. Is that what you yeah. Okay. Because If you I look don't back know on where I that first page, yeah. if you look in the middle, like, it's it's pretty funny to see, but you had some battery tech and lithium, which is like your electronic vehicles, Yeah. 118. up a 118%, which is just ridiculous. So I should put everything in that. Yeah. Well, that's one of those ones where we do we call it diversification because if we swung it all into one, it's gonna go up a 100, down 80, and your soup is Yeah. gonna Yeah. be all over the shop.","start_word":3206,"end_word":3505,"sentiment":"neutral","sentiment_score":0.00039742343127727506},{"text":"Everything there is looking really, really strong. Like, this is actually the best returns I've seen all year for all of the Oakview clients.","start_word":3506,"end_word":3529,"sentiment":"positive","sentiment_score":0.5623567700386047},{"text":"Most of it's between 27, 30%. You do have that one at the top, Bennelong, which is down 7.95. Oh, so in brackets, it's negative. It's Is negative. that what you said? Correct. Yeah. Okay. Yep. So that's the only one out of the eight that have underperformed, and Mhmm. that's your Australian shares portion. So Yep. Okay. even though it's kind of gotten the fantastic return overall, that's one to look at possibly replacing. Yeah. Yeah. Okay. So one of those one of the things that we do is we flag it for twelve months. But just in this particular case, we've been doing some research on Ben long after Christmas time, and Yeah. they've kind of been consistently underperforming the rest of the peer group in that Australian share space. So I would actually recommend if you're comfortable me just looking for a replacement option. Yeah. Yeah. Yep. It's kind of like I guess, the way I describe it is a bit of an engine tune up. Everything is going great, but the one thing kinda needs to be oiled. Yeah. We don't need to rebuild the engine. Yeah. Yeah.","start_word":3530,"end_word":3721,"sentiment":"neutral","sentiment_score":0.03663233667612076},{"text":"That's good. Cool.","start_word":3722,"end_word":3724,"sentiment":"positive","sentiment_score":0.40240615606307983},{"text":"I do have one question for you, and there's no wrong answer on this. It really is if you have a strong gut feeling either way. Do you have a preference between low fees or paying a bit more to try and get a higher return? Just any kind of gut leaning in either direction. You talk about low fees in terms of the insurance. So I think or just the the monthly fee that you guys take. So more so the investments. So for that Benelon option, Yeah. I can Yeah. replace it with a low fee index fund, which follows the market very closely. It has the lowest investment fees, or I I can replace it with another active fund, which is a little bit more expensive, but tries to outperform that ASX two think 100. yeah. I think this for me, the second the second one. Yep.","start_word":3725,"end_word":3874,"sentiment":"neutral","sentiment_score":0.09390621192753316},{"text":"Perfect.","start_word":3875,"end_word":3875,"sentiment":"positive","sentiment_score":0.605494499206543},{"text":"We have, I think, three options that we've been researching. So I I have a pretty good idea of what I'm gonna look at. I'll update your statement of advice and walk you through what that change Yeah. looks like just to make sure you're comfortable before we change Hang anything. on.","start_word":3876,"end_word":3927,"sentiment":"neutral","sentiment_score":0.20764301717281344},{"text":"Perfect. Now onto Misha's super. Yes. She's actually outperformed.","start_word":3928,"end_word":3936,"sentiment":"positive","sentiment_score":0.48696884512901306},{"text":"Patrick's, Yeah. You've had, Oh, just yeah. by sheer luck of the options that you're in, Well, your I growth think funds, which is four out of five on the risk scale, has actually had, I'll give you today's figures, 18.45% net return Yes. after fees, which Mhmm. is the best one I've seen all year.","start_word":3937,"end_word":3992,"sentiment":"neutral","sentiment_score":0.21598853170871735},{"text":"Oh, fantastic. So you didn't do anything wrong, Patrick.","start_word":3993,"end_word":4001,"sentiment":"positive","sentiment_score":0.4132777154445648},{"text":"We didn't we didn't jip you on any options or anything like that.","start_word":4002,"end_word":4014,"sentiment":"neutral","sentiment_score":0.21643799543380737},{"text":"It's just the timing of when things came in for Misha was just perfect.","start_word":4015,"end_word":4028,"sentiment":"positive","sentiment_score":0.4318211376667022},{"text":"Yeah. Everything Yeah. like, the Benelong option was still in there for her portfolio at a similar negative, but everything else like her battery techs up a 121%. Her gold's up a little more. Everything's just kind of inched a little bit better based on when it jumped in. Yeah. Yeah.","start_word":4029,"end_word":4079,"sentiment":"neutral","sentiment_score":0.13935115933418274},{"text":"So everything's looking perfect there too as well.","start_word":4080,"end_word":4087,"sentiment":"positive","sentiment_score":0.4044221341609955},{"text":"You're in a slightly lower risk than Patrick. But, again, I do wanna just do that bit of a tune up on yours as well. We did the same as you? Yes. Do you have a preference either way, Misha, between the low fees versus the active? Yeah. Because I'm going back in August, and we'll start to see some contributions then. I think we do the same as Pat. So it's okay if yeah. Maybe the fees are a bit higher, but, yes, that's okay. So it's the second option as well.","start_word":4088,"end_word":4180,"sentiment":"neutral","sentiment_score":0.12892518889519475},{"text":"That that's Mhmm. perfect. The option I'm thinking of is actually a tiny bit more affordable than Bennelong is, and the performance has been much Yep. stronger.","start_word":4181,"end_word":4207,"sentiment":"positive","sentiment_score":0.5375467538833618},{"text":"So I'm gonna do a direct comparison and see if that's good to slot in. And if we need to rebalance anything else, I'll let you know, but it might just be the one. Okay.","start_word":4208,"end_word":4242,"sentiment":"neutral","sentiment_score":0.21498176455497744},{"text":"Perfect. Perfect.","start_word":4243,"end_word":4244,"sentiment":"positive","sentiment_score":0.5276572704315186},{"text":"As far as estate Great. planning goes, you both have your beneficiaries in place to each other, Yep. nonlapsing binding. I'm just gonna double check that all the details are correct. We've got With that stuff, not not for today, but I have see been seeing some things about trust and things like that. So, you know, in terms of, like, I guess there's some future proofing and things like that, whereas maybe some of the money can go to the boys instead of to each other. Can we look into that with you one day? Yes. Absolutely. I do have Yes.","start_word":4245,"end_word":4346,"sentiment":"neutral","sentiment_score":0.13334879279136658},{"text":"a fantastic bit of info for you today, which may Yep.","start_word":4347,"end_word":4357,"sentiment":"positive","sentiment_score":0.4188310503959656},{"text":"help. So Yep. when people set up family trust while they're still alive, you tend to get a building of assets inside. So you build in a company, some properties, some investments, and then you tend to look at, like, income splitting between Mhmm. spouses and children, bring everybody in, and try and spread the wealth around and keep it in that bubble to avoid, Yep. you know, taxes and things like that. Yes. One thing This you is can more do so packets and mistress or something. You know? I'm yeah. joking. Well, speaking of that, because you'd be surprised what I see on a weekly basis in the Yes. industry with how this plays out. Not anything knocking pat there, but just what can happen. So the one thing that you can do which might be really powerful for you guys is a testamentary trust will. Have you heard of that before? No. But, like, the wheel's been on our list for a little while, so we we haven't really got one.","start_word":4358,"end_word":4531,"sentiment":"neutral","sentiment_score":0.08292905543127964},{"text":"Perfect.","start_word":4532,"end_word":4532,"sentiment":"positive","sentiment_score":0.6246629953384399},{"text":"That was my next question. So if you go to a solicitor, again, how long is a piece of string depending on who you get and what you need, you do have the public trustee of every state does appointments for wills and power of attorneys as well. And if you really want to, you can get a $25 will kit from the post office, which is from the government as well, and Yep.","start_word":4533,"end_word":4606,"sentiment":"neutral","sentiment_score":0.18415546417236328},{"text":"that's probably the quickest and easiest.","start_word":4607,"end_word":4612,"sentiment":"positive","sentiment_score":0.5432860255241394},{"text":"If all you're trying to do is make sure the property's noted down, bank accounts, shoes, cars, and so on. Yep. Now where the testamentary trust comes into it is if you pass away, a trust fund can be created, Mhmm. and then you can be a bit more specific about how income is distributed out to minor children until they're 18. You can kind of plan beyond the grave how the funds Yep. are used for them. Sorry. It is essentially it's a wheel and another way of doing a wheel. Is this kinda neat or Yeah. It's a literally little bit? like a standard will, but then Yep. in the back end of that will, it actually triggers the creation of a trust fund. Yeah. Okay.","start_word":4613,"end_word":4740,"sentiment":"neutral","sentiment_score":0.1372896432876587},{"text":"Yeah. That's good. So that's probably the most powerful engine for family planning beyond just a spouse. It can kind of go Mhmm.","start_word":4741,"end_word":4763,"sentiment":"positive","sentiment_score":0.5972917675971985},{"text":"a couple of levels in-depth. I've seen Yeah.","start_word":4764,"end_word":4771,"sentiment":"neutral","sentiment_score":0.24075745046138763},{"text":"people do children and grandchildren and allocate funds all over the place. It's Yep. the best best way to do it because you don't have to pay for running a trust Mhmm. throughout your life.","start_word":4772,"end_word":4806,"sentiment":"positive","sentiment_score":0.3833706378936768},{"text":"It literally clicks open at the end, and anything that gets moved into it, you're not paying capital gains tax to move it into the Is this is this something well, it might be a little bit side topic, but trust. something about where I think I must have got served something like this, but it's where say if your parents or say we wanted to pass our house to the kids, if you put the house in the trust, then they don't pay the capital gains. Is that is it something along the lines of that? Like, where you can do this? Or Yeah. I It's it does might that type of effect where, let's yeah. say, you had investment properties. Yeah. Yep. They could be because when you move it into a different name or a different entity, it's a triggering Mhmm. event for capital gains tax. So if you had investment property on top of your current property, the moment Yeah. that goes to the children, it becomes a CGT event. The moment you move it into a trust, the same thing Yep. happens, Yep. but the testamentary trust bypasses that. And Yeah. it can be Okay. moved you could build by three properties now, and all three of them upon your death can be moved into a trust without triggering that. K. So they wouldn't So pay Capital Gains. They wouldn't pay. Yeah. yeah. Exactly. Right. So Yeah. it's I think I was really powerful the more assets that you get. yeah. I think that's what I was trying to explain. But yeah. No. You're not. Yeah. Absolutely. So Okay. Good. basic will And it's to start like with some is people always end good? up almost, like, say their parents pass and the parents give something to them. Some of Yes. the kids will actually end up disadvantaged by getting things because they have to pay tax or whatever on whatever they inherit. It's actually the same thing too when it comes to super. So Yeah. Okay. let's say you, instead of nominating each other, decided to mix in your children. I've seen it all the time. Someone says half goes to my partner and 25% or however much goes between two or three children. Yep. The minor children, well, whoever's their guardian looks after and controls the money. Yep. That's step number one. So if there is breakdown of the family unit and you don't want that to happen, that's problem number one. But the moment they turn 18, they no longer count as a tax dependent. So they receive your super, your partner gets it tax free, and your 19 year old son or daughter, they cop 15 to 17% tax on the But taxable you can put portion. something into place so they don't cop the tax, the Yes. dependents. Yeah. And Okay.","start_word":4807,"end_word":5287,"sentiment":"neutral","sentiment_score":0.003573805519734004},{"text":"that's Cool. the whole put it through the will and testamentary trusts and all that kind of thing.","start_word":5288,"end_word":5305,"sentiment":"positive","sentiment_score":0.44912299513816833},{"text":"Yeah. Okay. Oh, That's good. actually, how old would your eldest be? He's seven in August. Seven in August. So you still have Yep. a while to worry about estate taxes. It's not too big of an issue. When it goes to dependent children and spouses, you're pretty well okay. Yes. But the older they get, once they start approaching 18, if you're wanting to provide for them financially, then Mhmm. you need to start looking at some other structures. Yes. Cool. Are you okay to leave each other on for the super at the moment? Yeah. Yeah. For the moment. Perfect. Yep. And I'm just gonna double check on the life insurance. I can't actually see it on the certificate, but I'll double check it. I'm assuming you guys want that to be the same on the life insurance as well. Yes, please. Yep. K. Just bear in mind as well that life insurance can pretty much go anywhere. It doesn't have that similar restriction to super in terms of taxes. So if Okay. you did wanna split that differently, that's pretty easy to do. Yep. But I'll just double check that you guys are on there. Fishery. Cool. Any questions on that? I know I'm kind of just bombarding a bit of information there. Does that make sense? Not yet yet. All good. Perfect. So definitely get the will and the power of attorney sorted. Do you guys remember what the power of attorney does? Yeah. If, like, if I can't speak Just to act on Yeah. That's Yeah. That's Yep. the one. Yep. Bank accounts and doctors. Just avoid having to go to court for probate and all that kind of thing. Mhmm.","start_word":5306,"end_word":5591,"sentiment":"neutral","sentiment_score":0.04110928825460947},{"text":"Perfect. Perfect.","start_word":5592,"end_word":5593,"sentiment":"positive","sentiment_score":0.5573831796646118},{"text":"So wills and power of attorney will sort, make sure the beneficiaries are in place. We'll update the super portfolios a little bit, and we'll kind of leave the insurance as is for the time being. Does that sound okay for you guys? Yep.","start_word":5594,"end_word":5637,"sentiment":"neutral","sentiment_score":0.2975917160511017},{"text":"Perfect.","start_word":5638,"end_word":5638,"sentiment":"positive","sentiment_score":0.4513833820819855},{"text":"Is there anything else that's kind of a a major focus for you over the next three to five years goals wise? Goals wise, I think we're we we probably feel like we've outgrown this house a little bit, but Mhmm. we wanted to see, I guess, how things look once I'm back working full time. So whether, like, let's say, 2027, let's say we're either looking at maybe getting an investment or we might need to upgrade. We could go either way. Okay. So I don't wanna kind of jump the gun too much with strategizing that, but Mhmm. your two options are either rent out your current house and borrow into a bigger home. That's one of the options. If you would like to as well, just consider this in the back of your mind that you don't have to keep the current house if you don't think it's gonna be a good rental because what tends to happen is people Yeah. pile on the most debt onto their main mortgage, Yeah. which is not deductible like an investment would be. Yeah. Yeah. So Yeah. one Yeah. of the tricks I've seen people do, and I've even done it myself, is actually sell off that current place, Yep. go into that upgraded home with much less debt, and then borrow big off of that into an investment property. So do Yeah. a two step approach instead of a one step approach. Yeah. When we because we do have a we do have a a broker we used to get this place. When we spoke to her a little while ago, and it was before, I guess, like, all these world events at the moment, Yeah. But we couldn't really afford to keep this house and buy where we wanna buy. Gotcha. So but things might change, like, when, you know, 2027 because I think this house would be, in a way, good to hold on to, Pat, because we're close to the new Western Sydney Airport. You you're based in Brisbane. Right? Uh-huh. Yeah. We're in the Gold Gold Coast. Coast. Yeah. Gold Coast. So, yeah, we are near that new Mhmm. Mhmm. Closest to that new airport. So, yeah, we'll just have So you to think see. it might be a pretty good growth growth area for the value? Yeah.","start_word":5639,"end_word":6031,"sentiment":"neutral","sentiment_score":0.06862504697824252},{"text":"Well, it's growing. Currently, it's still is growing.","start_word":6032,"end_word":6039,"sentiment":"positive","sentiment_score":0.3807490170001984},{"text":"Mhmm. Yeah. And because, yeah, we you're saying something similar get sold for as much as 1.4, 1.3, but I know comfortably, yeah, 1.2 would be a good value, say Yeah. On the house now. But, yeah, it's Yeah. yeah. You just don't know. But And when it comes to that serviceability discussion you had with your broker, were you on maternity leave at the time, or were you working full time when you checked that? She did it as if I was working. Yep. But And it I'm still pretty looked pretty rough. yes. But we owned the car outright then too, and she said something like, you know because we didn't know we didn't have the car either. Like, the car was paid off. The only thing we did was, like, we lowered out we only have one credit card. We lowered that a little bit. Yeah. But, yeah, it wasn't looking it wasn't looking great to be able to hold on to this place. What yeah. Yeah. Because I I think what the scenario we we just threw up was, say, we were to get a $1,600,000 home, say, and Mhmm. then we were to sell this one for was it 1.2 Yeah. Or something. Yeah. And then just how that would look and yeah. And it just seems We we were a bit we thought we'd be able to borrow more or be able to hold on to this place. But yeah. Yeah. So we were a little bit taken back, but she did say that at the moment, the banks are definitely stricter with how they borrow like, yeah, give money out stuff. Yeah. Yeah. They definitely have tightened the belts a little bit, and Yeah. the serviceability is really rough because they do, like, bank valuations, and the rental estimates as well can be a bit rough, whereas it's really, really easy in Queensland, for example, to have that $800,000 house that rents for $8.50 a week, and it's a Yeah. really Okay.","start_word":6040,"end_word":6378,"sentiment":"neutral","sentiment_score":-0.08054313886701885},{"text":"good percentage, and it always kind of hits neutral or positively geared.","start_word":6379,"end_word":6390,"sentiment":"positive","sentiment_score":0.397524356842041},{"text":"But the moment Yeah.","start_word":6391,"end_word":6394,"sentiment":"neutral","sentiment_score":-0.055976249277591705},{"text":"you start talking about one or two properties in a million, if that's not renting for, like, 1,200 a week, 1,300 a week, 1,400 a week, the percentages start to throw it out of whack really heavily.","start_word":6395,"end_word":6431,"sentiment":"negative","sentiment_score":-0.39634811878204346},{"text":"Yeah. Like, Yeah. would Yeah. you be able Okay. to rent it for more than 800 a week, do you think? I think it would be right on 800, I think, last time we checked. Yeah. Yeah. So a good rule of thumb that I do for rentals is the the nearest 100,000 versus the weekly amount. So 500,000, 500 a week, 105. 800 Yeah. thousand, Okay. 800 a week, that's No. your I five remember percent that. rental return. Yeah. Yeah. No. No. That's yeah. And it that's the a good ratio, you're saying? Yeah. So Yeah. anything 5% or above is a good yield, I guess I would say, if I had to use the buzzword for it. If you start going below 5%, it makes the the loan serviceability look really You whack. know what I'm saying? So so if it's, like, 800,000 is the house value, then you should be getting, say, 800 weekly. Oh, okay.","start_word":6432,"end_word":6591,"sentiment":"neutral","sentiment_score":-0.028713583946228027},{"text":"Well, then it's not good yield on this.","start_word":6592,"end_word":6599,"sentiment":"negative","sentiment_score":-0.524241030216217},{"text":"Yeah. Yeah. Yeah. They go above it. Yeah. But we're not like we're not you know, if we got our house that we wanted and we sold this, like you said, and then get an another investment, maybe not somewhere where we would ever live, but it's got got good rent, we're open to that as well. Yeah. The the the way I Yeah. kinda did the the sum was, let's say, our minimum repayments, it's gone up a little bit, but say it's between the 800 and 900 a week. If we rented it out for 800, it covers it.","start_word":6600,"end_word":6700,"sentiment":"neutral","sentiment_score":0.2089804046519912},{"text":"So then anything you're earning in terms of getting an investment or another, that's you think you'd be able to get something.","start_word":6701,"end_word":6722,"sentiment":"positive","sentiment_score":0.3794679641723633},{"text":"But yeah. I Yeah. And don't then know. they It start just adding on top the the home insurance, the yeah. rates, Okay. and Yeah. then all of a sudden, it's like Yeah. a It's thousand, a bit 11 harder. 100 a week. Yeah. Okay. Yeah. I see. Yes. But, yeah, it's definitely an idea to consider. I'm not gonna sort of steer either direction. But if you were to, for example, get the home that you need for the family and then look elsewhere rather than just skipping from where you've lived, Mhmm. you've Yep. got buyers agents everywhere who are trying to sell properties in rural rural WA or Queensland with high yields. You've got different cities. You've got commercial property. You're not limited if you can kind of just detach the emotional side from the previous place and look abroad. Yeah. Yeah. Yeah. But, Yeah. No. I think that's a good way to look at it. Yeah. yeah, and most people just hop from one to the other and invest behind them instead of actually saying, okay. Let's go to a new plateau, clean the base, and then build from there. Yep. Do you guys look for property or that's not in your scope, like, for your clients? So we do have one buyer's agent that we've been talking to towards the end of last year. Yep. When it comes time, I can kind of pass on his details to you. He used to be a financial planner, Yep. and now he specializes in finding properties around Australia, commercial and rural. There's Yep. heaps of them everywhere, though, and your broker may be out of help, but buyer's agents are getting more and more popular for that reason. Yep. Yeah. Okay. Cool. Yep. But if you ever need to, yeah, I can absolutely pass on the details. I probably wouldn't do it right now until Yeah. you're comfortably back at work and the budget's looking good That and the family's stable, and yeah. then look That's at what it. we wanna do. We wanna make sure everything's settled before we, you know, go and lock ourselves into something. Yeah. Yep. And the last thing you want is interest rates to spike up even further, Yes. cost of living spike up, and then to have an issue where you don't get to rent the place out for a couple of months, and then all of a sudden you're in a risky position. Yeah. Yeah. Yeah. Does that sound alright? Yep.","start_word":6723,"end_word":7144,"sentiment":"neutral","sentiment_score":0.04120027649953467},{"text":"That sounds good. Perfect.","start_word":7145,"end_word":7148,"sentiment":"positive","sentiment_score":0.5058901906013489},{"text":"The other question I had as well just to kinda cap things off is, do you guys ever wanna consider any type of personal investment, be it shares, managed fund, anything besides property as well down the line, or would you prefer to stick to the property and super route? I think for now, this is yeah. Yeah. Yeah. Yeah. Like because it's like we've any extra money we would have, we would be putting on probably, yeah, into our property. Yeah. But not not anything extra for me at the moment. I don't know about you, Pat. Yeah. No. I haven't I've always thought about it, but I haven't really done the whole shares thing on my on my own or anything like that. So Yeah. And it's one thing that, like, we do give that sort of range of advice. And I think the moment you get into the upgraded home for the family, that's gonna be a big focus for your cash flow for a number of years. And yeah. then Yeah. if after that you wanna branch out, we're happy to go either direction, whatever kind of interest and is comfortable for you guys. The only example I would give is your like, your hub twenty four super as an example. You guys are actually linked together for family fee linking to reduce the fees. Yeah. Yep. They also offer investment accounts, which are identical to your super account, and you can have them all linked up together and reduce the fees, and you can invest in anything you want, whether it's property, shares, fixed interest, build a portfolio that mimics your super. Maybe it's safer.","start_word":7149,"end_word":7428,"sentiment":"neutral","sentiment_score":0.10446257794142834},{"text":"You've pretty much got full flexibility there.","start_word":7429,"end_word":7435,"sentiment":"positive","sentiment_score":0.3996870219707489},{"text":"So it's always Okay. an option if you wanna go that route, bit of a dip your toe in the water rather than borrowing a million dollars Yeah. for a property. Yeah. Okay. Yeah. Cool. I always find it probably better to get the two properties first, though. Make sure the mortgage is nice and low, have your other asset next to you, and then look at, okay, maybe we'll start doing some cash flow into investing or something after that or even invest for the children as well. Is that something you guys might want to? Yeah. But not yet. No. You guys need to sort your own situations out Yes. first once that's stable. If you wanna kind of help them build a house deposit, we can look at that, but I'm thinking more like five to seven years down the line. Yes. Yeah. Yep.","start_word":7436,"end_word":7582,"sentiment":"neutral","sentiment_score":0.09941822290420532},{"text":"Perfect.","start_word":7583,"end_word":7583,"sentiment":"positive","sentiment_score":0.390409380197525},{"text":"Do you guys have any other questions for me so far before I kind of wrap things up?","start_word":7584,"end_word":7601,"sentiment":"neutral","sentiment_score":0.08253000676631927},{"text":"Not all good on our end.","start_word":7602,"end_word":7607,"sentiment":"negative","sentiment_score":-0.342529833316803},{"text":"Thank you.","start_word":7608,"end_word":7609,"sentiment":"neutral","sentiment_score":0.27217069268226624},{"text":"Amazing.","start_word":7610,"end_word":7610,"sentiment":"positive","sentiment_score":0.4869173765182495},{"text":"That document there does have your service agreements for the next twelve months. You should be on, and I wanna just double check on my system. You guys should be on the partnered fee discount of 1.1% rather than the usual 1.65. So I did wanna ask if you're still comfortable for us to look after the super. Yes. Yeah. Yeah. Yep. Cool. I'm just gonna have a quick double check. I don't want you to sign anything until I've double checked it just because I've shot out the two separate emails. So I just wanna make sure they're both correct. K. We've got Patrick. Now while I'm just pulling these two emails up, do you guys want me to put you in for any kind of quarterly contacts every six months, or would you prefer just to kind of go through that update with me in a couple of weeks and then leave it for the annual review? Yeah. We'll leave it for the annual review for the time being. I think maybe Yeah. when, like, yeah, when I'm back working and then, like, you know, if we're looking at maybe upgrading and stuff, then we might make it a little bit more regular. But, yeah, Yep.","start_word":7611,"end_word":7818,"sentiment":"neutral","sentiment_score":0.07315071048931433},{"text":"for the time being, this is good. Thank you.","start_word":7819,"end_word":7827,"sentiment":"positive","sentiment_score":0.5755593776702881},{"text":"No. That's perfect. I'll leave it for the annual review for now.","start_word":7828,"end_word":7839,"sentiment":"neutral","sentiment_score":0.288097620010376},{"text":"If anything pops up, please just call through and book an appointment, and I'm happy to help out. Fantastic. Awesome, guys. I'll leave those two emails with you, and the team will probably call you in about a fortnight just to walk through those updated plans together. Alright. Fantastic. Thank you. Thank you so much. Have a fantastic Thanks. day. You too.","start_word":7840,"end_word":7901,"sentiment":"positive","sentiment_score":0.601589560508728},{"text":"Bye bye. Bye.","start_word":7902,"end_word":7904,"sentiment":"neutral","sentiment_score":0.24764053523540497}],"average":{"sentiment":"neutral","sentiment_score":0.08835824270587325}}}}