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So the thing let me know, you were you sold sold property, and you were you talked to the accountant and wanted to look at a a contribution strategy around making Yeah. Yep. No. That's okay. Well, I mean, realistically, for yourself, it's really good, really. Purely and simply, like, as of next year, in the August, you hit 60. So at that point, your super becomes tax free. So the more you put into your superannuation right now in respect to tax minimization strategies, the better off we would come. Did the accountant give you an indication as to what the capital gain was? So there's one of two ways that I can do this. I can do up an estimated calculation. It's not gonna be anywhere near as good as the as the accountant. If the accountant's already done the math, I can reach out to the accountant and get the math from him. And then the question Sorry? 56,000 is the gain. So there's a couple of different things that we can do. Because so 56,000 is the gain. What that means is and can I ask which property is it that we sold? Is it the one you own? S cool. Cool. Sweet. Just wanted to double check. So if we sold s, if it's 56,000, was that 56,000 total? Is that 56,000 each? Okay. Do you know what your accountant's details are? Oh, who who the accountant is? Peter Lewis, w l e w I s. Yep. Yep. Perfect. So what I can do is I can I can reach out to Peter? And get the information from him. Email from you saying that you're happy to release information. But I can send an email through CCU in so that way, you know, there's a a link and everything. And I can just find out what the gain is. Can I ask, when we sold, how much money do we have in liquid cash now? Yep. Yep. Okay. So they ended up they ended up taking the profit and putting it all against the properties. Yep. Yep. Yep. Which is exactly what we say we were gonna do. Yep. Okay. Wow. Alright. Yep. Yep. Okay. But for now, we have we only have $40. Okay. Alright. So when we're refinancing, are we planning on pulling some from the equity to leave us with a bit of cash flow, or are you just wanting to refinance for a better rate? Okay. Alright. So how much out of the money that you have, so the $40, are you willing to put into your super fund? Because realistically for you, it's gonna be locked away for twelve months. You can't touch it. Whereas and then for Anne, we lost weight for a little bit longer, obviously. Yes. So yeah. Yeah. So there's there's basically one of two avenues that we can do. If you only wanna put $20 in total, then we can just put 10 into each of them, and I can just help you make that contribution. That's nice and easy. We need to move soon, like, within the next week because we're coming up to the end of financial year, or I can reach out to your account and find out exactly all of the figures, and we can put as much as possible. But, obviously, we only have $40 to pay with anyway. Don't get me wrong. The more we put in, the better off you are. But Yeah. Yeah. Measures it over. Yeah. Okay. Because one of the things is is you're gonna end up with a CGT bill by the sounds of it, which means that you're gonna have a debt with the ATO. Okay. Loan and and paying the ATO off because the ATO interest rate is gonna be a lot higher than your personal mortgage rate. Good. I think we're good. Yes. Yeah. Yeah. No. That's okay. Alright. So are we in agreeance? Are you wanting to put $10 into each of your funds? Yeah. And, like and we can we we do it in a tax effective way. I will double check to make sure that we can definitely do that. I believe that we should be fine. We're not gonna affect any of the caps or anything like that that we have to consider. But what I'll do is I can email you today with the contribution details for both of the accounts and the methodology on how it's it's literally just a bank transfer. And once that money goes in, what I will do is I'll submit what's called a notice of intention to claim. So it's just a specific form that I'll submit. And I will when I get the receipt, it's basically a tax receipt. When I get that tax receipt back, I will email it to you so that way you can give it to your accountant. Okay? And it just becomes basically something that you claim on your tax return. Yeah. Is it the 0732098242? Cool. Just making sure that we have the same business. I'm gonna see if I his email address is on his website. If it is, I'll cc him into the email when I send the tax statements. Okay? So that way he automatically has them. Save you a step. $5.00 5. Yep. Alright. So it was about $5.00 5, and then you obviously had the the two mortgages. So Jordan Street still has a mortgage, but Ormo and Richlands? Okay. 3 100. Okay. Yeah. Yeah. It doesn't take long. Okay. Yeah. Yeah. You've been you've been able to and and look. What like, the housing loans are have dropped as well. If you refinance, you can always shift the mortgages over to the investment properties, and you can sort of reshuffle where all the mortgages sit as well. So are you happy going through the lender that you're looking at going through, or do you want me to connect you to my broker? No. That's okay. Okay. Broken Hill Bank. Alright. I'll have a look at what their rates are and Alright. They're looking about 5.94%. That's the home loan. So Okay. 583. Five point 7. Okay. Alright. No. That's cool. Alright. Well, I I'm happy. I can I can connect you to my broker so she can have a shop around for you as well, unless you just wanna go ahead with Broken Hill? Yeah. Alright. So it's 5.7 9. Cool. So 5 079, and I will, let her know that that's what it is. You you said you're going back to work now, so you're you're at work for the next okay. Cool. For three weeks. Well, she'll be able to connect to you with you via email anyway. She she can obviously call you. But what I'll do is I'll email her. Her name is Brooke. Get her to have a look at everything. I'll adjust the loan rates down to what we stipulated so that the 700 pump has come down to about three and provide her with that information. And then, obviously, ask is gone. And I'll email you with the details to do with how to make the contributions into both of your accounts. Perfect. Alright. Yeah. It bounced back and forward just in time. Yeah. So if it if, yeah, if it's $56,000, then then that's okay. Do you I I have all the details here anyway. I'll I'll have a look, and I'll do the math on what you bought for, what you sold for, and everything like that, and I'll go from there. So that's okay. I'll have a look. But I'll get an email to you this afternoon. Alright? Okay. Perfect. No. Absolutely, Lindsay. Anytime at all. Bye. Bye. 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Lindsay. Larissa here. How are you going? That's good. Sorry that I had to push you back an hour.\n\nHow how is everything going for you? Oh, no. I mean, yay, but no. So the thing let me know, you were you sold sold property, and you were you talked to the accountant and wanted to look at a a contribution strategy around making Yeah. Yep.\n\nNo. That's okay. Well, I mean, realistically, for yourself, it's really good, really. Purely and simply, like, as of next year, in the August, you hit 60. So at that point, your super becomes tax free.\n\nSo the more you put into your superannuation right now in respect to tax minimization strategies, the better off we would come. Did the accountant give you an indication as to what the capital gain was? So there's one of two ways that I can do this. I can do up an estimated calculation. It's not gonna be anywhere near as good as the as the accountant.\n\nIf the accountant's already done the math, I can reach out to the accountant and get the math from him. And then the question Sorry? 56,000 is the gain. So there's a couple of different things that we can do. Because so 56,000 is the gain.\n\nWhat that means is and can I ask which property is it that we sold? Is it the one you own? S cool. Cool. Sweet.\n\nJust wanted to double check. So if we sold s, if it's 56,000, was that 56,000 total? Is that 56,000 each? Okay. Do you know what your accountant's details are?\n\nOh, who who the accountant is? Peter Lewis, w l e w I s. Yep. Yep. Perfect.\n\nSo what I can do is I can I can reach out to Peter? And get the information from him. Email from you saying that you're happy to release information. But I can send an email through CCU in so that way, you know, there's a a link and everything. And I can just find out what the gain is.\n\nCan I ask, when we sold, how much money do we have in liquid cash now? Yep. Yep. Okay. So they ended up they ended up taking the profit and putting it all against the properties.\n\nYep. Yep. Yep. Which is exactly what we say we were gonna do. Yep.\n\nOkay. Wow. Alright. Yep. Yep.\n\nOkay. But for now, we have we only have $40. Okay. Alright. So when we're refinancing, are we planning on pulling some from the equity to leave us with a bit of cash flow, or are you just wanting to refinance for a better rate?\n\nOkay. Alright. So how much out of the money that you have, so the $40, are you willing to put into your super fund? Because realistically for you, it's gonna be locked away for twelve months. You can't touch it.\n\nWhereas and then for Anne, we lost weight for a little bit longer, obviously. Yes. So yeah. Yeah. So there's there's basically one of two avenues that we can do.\n\nIf you only wanna put $20 in total, then we can just put 10 into each of them, and I can just help you make that contribution. That's nice and easy. We need to move soon, like, within the next week because we're coming up to the end of financial year, or I can reach out to your account and find out exactly all of the figures, and we can put as much as possible. But, obviously, we only have $40 to pay with anyway. Don't get me wrong.\n\nThe more we put in, the better off you are. But Yeah. Yeah. Measures it over. Yeah.\n\nOkay. Because one of the things is is you're gonna end up with a CGT bill by the sounds of it, which means that you're gonna have a debt with the ATO. Okay. Loan and and paying the ATO off because the ATO interest rate is gonna be a lot higher than your personal mortgage rate. Good.\n\nI think we're good. Yes. Yeah. Yeah. No.\n\nThat's okay. Alright. So are we in agreeance? Are you wanting to put $10 into each of your funds? Yeah.\n\nAnd, like and we can we we do it in a tax effective way. I will double check to make sure that we can definitely do that. I believe that we should be fine. We're not gonna affect any of the caps or anything like that that we have to consider. But what I'll do is I can email you today with the contribution details for both of the accounts and the methodology on how it's it's literally just a bank transfer.\n\nAnd once that money goes in, what I will do is I'll submit what's called a notice of intention to claim. So it's just a specific form that I'll submit. And I will when I get the receipt, it's basically a tax receipt. When I get that tax receipt back, I will email it to you so that way you can give it to your accountant. Okay?\n\nAnd it just becomes basically something that you claim on your tax return. Yeah. Is it the 0732098242? Cool. Just making sure that we have the same business.\n\nI'm gonna see if I his email address is on his website. If it is, I'll cc him into the email when I send the tax statements. Okay? So that way he automatically has them. Save you a step.\n\n$5.00 5. Yep. Alright. So it was about $5.00 5, and then you obviously had the the two mortgages. So Jordan Street still has a mortgage, but Ormo and Richlands?\n\nOkay. 3 100. Okay. Yeah. Yeah.\n\nIt doesn't take long. Okay. Yeah. Yeah. You've been you've been able to and and look.\n\nWhat like, the housing loans are have dropped as well. If you refinance, you can always shift the mortgages over to the investment properties, and you can sort of reshuffle where all the mortgages sit as well. So are you happy going through the lender that you're looking at going through, or do you want me to connect you to my broker? No. That's okay.\n\nOkay. Broken Hill Bank. Alright. I'll have a look at what their rates are and Alright. They're looking about 5.94%.\n\nThat's the home loan. So Okay. 583. Five point 7. Okay.\n\nAlright. No. That's cool. Alright. Well, I I'm happy.\n\nI can I can connect you to my broker so she can have a shop around for you as well, unless you just wanna go ahead with Broken Hill? Yeah. Alright. So it's 5.7 9. Cool.\n\nSo 5 079, and I will, let her know that that's what it is. You you said you're going back to work now, so you're you're at work for the next okay. Cool. For three weeks. Well, she'll be able to connect to you with you via email anyway.\n\nShe she can obviously call you. But what I'll do is I'll email her. Her name is Brooke. Get her to have a look at everything. I'll adjust the loan rates down to what we stipulated so that the 700 pump has come down to about three and provide her with that information.\n\nAnd then, obviously, ask is gone. And I'll email you with the details to do with how to make the contributions into both of your accounts. Perfect. Alright. Yeah.\n\nIt bounced back and forward just in time. Yeah. So if it if, yeah, if it's $56,000, then then that's okay. Do you I I have all the details here anyway. I'll I'll have a look, and I'll do the math on what you bought for, what you sold for, and everything like that, and I'll go from there.\n\nSo that's okay. I'll have a look. But I'll get an email to you this afternoon. Alright? Okay.\n\nPerfect. No. Absolutely, Lindsay. Anytime at all. Bye.\n\nBye. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Lindsay.","start":2.8,"end":3.76,"sentiment":"neutral","sentiment_score":0.2046179622411728},{"text":"Larissa here.","start":3.76,"end":4.48,"sentiment":"neutral","sentiment_score":0.22924894839525223},{"text":"How are you going?","start":4.48,"end":5.2999997,"sentiment":"neutral","sentiment_score":0.29162076115608215},{"text":"That's good.","start":7.12,"end":7.7599998,"sentiment":"positive","sentiment_score":0.6455376744270325},{"text":"Sorry that I had to push you back an hour.","start":7.7599998,"end":9.84,"sentiment":"neutral","sentiment_score":-0.20649679899215698}],"sentiment":"neutral","sentiment_score":0.06301621124148368,"num_words":20,"start":2.8,"end":9.84},{"sentences":[{"text":"How how is everything going for you?","start":9.84,"end":11.86,"sentiment":"neutral","sentiment_score":0.11701764804976326},{"text":"Oh, no.","start":17.175,"end":17.994999,"sentiment":"neutral","sentiment_score":-0.02709709107875824},{"text":"I mean, yay, but no.","start":18.455,"end":20.075,"sentiment":"neutral","sentiment_score":-0.028356756712310017},{"text":"So the thing let me know, you were you sold sold property, and you were you talked to the accountant and wanted to look at a a contribution strategy around making Yeah.","start":23.175,"end":37.14,"sentiment":"neutral","sentiment_score":0.044541776907863095},{"text":"Yep.","start":44.175,"end":44.675,"sentiment":"neutral","sentiment_score":0.03816013038158417}],"sentiment":"neutral","sentiment_score":0.044396650256648504,"num_words":47,"start":9.84,"end":44.675},{"sentences":[{"text":"No.","start":45.695,"end":45.855,"sentiment":"neutral","sentiment_score":-0.06748343259096146},{"text":"That's okay.","start":45.855,"end":46.595,"sentiment":"neutral","sentiment_score":0.05087197478860617},{"text":"Well, I mean, realistically, for yourself, it's really good, really.","start":52.415,"end":57.66,"sentiment":"positive","sentiment_score":0.3839467778801918},{"text":"Purely and simply, like, as of next year, in the August, you hit 60.","start":59.16,"end":68.365,"sentiment":"neutral","sentiment_score":0.22585724400622503},{"text":"So at that point, your super becomes tax free.","start":70.105,"end":74.345,"sentiment":"neutral","sentiment_score":0.31608422100543976}],"sentiment":"neutral","sentiment_score":0.27445799169234103,"num_words":36,"start":45.695,"end":74.345},{"sentences":[{"text":"So the more you put into your superannuation right now in respect to tax minimization strategies, the better off we would come.","start":74.345,"end":82.46,"sentiment":"neutral","sentiment_score":0.3317048691890456},{"text":"Did the accountant give you an indication as to what the capital gain was?","start":82.840004,"end":88.22,"sentiment":"neutral","sentiment_score":0.01156893651932478},{"text":"So there's one of two ways that I can do this.","start":98.705,"end":100.625,"sentiment":"neutral","sentiment_score":0.01841156988997351},{"text":"I can do up an estimated calculation.","start":100.625,"end":102.40501,"sentiment":"neutral","sentiment_score":-0.001282592437097004},{"text":"It's not gonna be anywhere near as good as the as the accountant.","start":102.545006,"end":105.12,"sentiment":"neutral","sentiment_score":-0.15446872665331915}],"sentiment":"neutral","sentiment_score":0.08425265535323033,"num_words":67,"start":74.345,"end":105.12},{"sentences":[{"text":"If the accountant's already done the math, I can reach out to the accountant and get the math from him.","start":105.28001,"end":109.54,"sentiment":"neutral","sentiment_score":0.01597114196047187},{"text":"And then the question Sorry?","start":111.200005,"end":113.86,"sentiment":"neutral","sentiment_score":-0.016863377764821053},{"text":"56,000 is the gain.","start":116.4,"end":117.840004,"sentiment":"neutral","sentiment_score":-0.01721941214054823},{"text":"So there's a couple of different things that we can do.","start":117.840004,"end":120.285,"sentiment":"neutral","sentiment_score":0.038155449384992775},{"text":"Because so 56,000 is the gain.","start":121.245,"end":123.40501,"sentiment":"neutral","sentiment_score":-0.00328151136636734}],"sentiment":"neutral","sentiment_score":0.012309764714344688,"num_words":46,"start":105.28001,"end":123.40501},{"sentences":[{"text":"What that means is and can I ask which property is it that we sold?","start":123.40501,"end":127.565,"sentiment":"neutral","sentiment_score":0.015548697051902613},{"text":"Is it the one you own?","start":127.565,"end":129.425,"sentiment":"neutral","sentiment_score":0.00783244015959402},{"text":"S cool.","start":130.52501,"end":131.825,"sentiment":"neutral","sentiment_score":0.1570412339642644},{"text":"Cool.","start":134.40001,"end":134.88,"sentiment":"positive","sentiment_score":0.5696290731430054},{"text":"Sweet.","start":134.88,"end":135.12001,"sentiment":"positive","sentiment_score":0.4562115967273712}],"sentiment":"neutral","sentiment_score":0.06480592938140034,"num_words":25,"start":123.40501,"end":135.12001},{"sentences":[{"text":"Just wanted to double check.","start":135.12001,"end":137.14,"sentiment":"neutral","sentiment_score":0.21237013041973113},{"text":"So if we sold s, if it's 56,000, was that 56,000 total?","start":137.92001,"end":142.32,"sentiment":"neutral","sentiment_score":0.03920112115641435},{"text":"Is that 56,000 each?","start":142.32,"end":145.38,"sentiment":"neutral","sentiment_score":0.011951881693676114},{"text":"Okay.","start":154.595,"end":155.075,"sentiment":"neutral","sentiment_score":-0.01411467231810093},{"text":"Do you know what your accountant's details are?","start":155.075,"end":157.415,"sentiment":"neutral","sentiment_score":-0.02169646299444139}],"sentiment":"neutral","sentiment_score":0.04641284188255668,"num_words":30,"start":135.12001,"end":157.415},{"sentences":[{"text":"Oh, who who the accountant is?","start":158.67499,"end":160.45499,"sentiment":"neutral","sentiment_score":-0.010575514597197374},{"text":"Peter Lewis, w l e w I s.","start":164.06,"end":166.96,"sentiment":"neutral","sentiment_score":-0.00022258434910327196},{"text":"Yep.","start":177.385,"end":177.78499,"sentiment":"neutral","sentiment_score":0.11395417153835297},{"text":"Yep.","start":177.78499,"end":178.185,"sentiment":"neutral","sentiment_score":0.20313817262649536},{"text":"Perfect.","start":178.185,"end":178.685,"sentiment":"positive","sentiment_score":0.48698753118515015}],"sentiment":"neutral","sentiment_score":0.043461536057293415,"num_words":17,"start":158.67499,"end":178.685},{"sentences":[{"text":"So what I can do is I can I can reach out to Peter?","start":178.905,"end":183.805,"sentiment":"neutral","sentiment_score":0.22946271406752722},{"text":"And get the information from him.","start":194.56,"end":196.23999,"sentiment":"neutral","sentiment_score":0.20221494883298874},{"text":"Email from you saying that you're happy to release information.","start":196.23999,"end":199.54,"sentiment":"neutral","sentiment_score":0.24475658237934111},{"text":"But I can send an email through CCU in so that way, you know, there's a a link and everything.","start":201.615,"end":205.635,"sentiment":"neutral","sentiment_score":0.11010355912148953},{"text":"And I can just find out what the gain is.","start":206.735,"end":209.075,"sentiment":"neutral","sentiment_score":0.11173267513513566}],"sentiment":"neutral","sentiment_score":0.1698788574586312,"num_words":60,"start":178.905,"end":209.075},{"sentences":[{"text":"Can I ask, when we sold, how much money do we have in liquid cash now?","start":209.135,"end":213.875,"sentiment":"neutral","sentiment_score":-0.02390191185986623},{"text":"Yep.","start":242.95999,"end":243.45999,"sentiment":"neutral","sentiment_score":-0.048297278583049774},{"text":"Yep.","start":253.69499,"end":254.19499,"sentiment":"neutral","sentiment_score":-0.0431901142001152},{"text":"Okay.","start":260.495,"end":260.995,"sentiment":"neutral","sentiment_score":0.002665136009454727},{"text":"So they ended up they ended up taking the profit and putting it all against the properties.","start":261.055,"end":266.755,"sentiment":"neutral","sentiment_score":-0.1862341020913685}],"sentiment":"neutral","sentiment_score":-0.10103423839124541,"num_words":36,"start":209.135,"end":266.755},{"sentences":[{"text":"Yep.","start":275.96002,"end":276.46002,"sentiment":"neutral","sentiment_score":-0.08525598049163818},{"text":"Yep.","start":277.40002,"end":277.90002,"sentiment":"neutral","sentiment_score":-0.08616971969604492},{"text":"Yep.","start":281.735,"end":282.055,"sentiment":"neutral","sentiment_score":-0.04421468824148178},{"text":"Which is exactly what we say we were gonna do.","start":282.055,"end":283.995,"sentiment":"neutral","sentiment_score":-0.09121735282242298},{"text":"Yep.","start":295.53998,"end":296.03998,"sentiment":"neutral","sentiment_score":-0.026533357799053192}],"sentiment":"neutral","sentiment_score":-0.08245337674660343,"num_words":14,"start":275.96002,"end":296.03998},{"sentences":[{"text":"Okay.","start":296.41998,"end":296.91998,"sentiment":"neutral","sentiment_score":-0.013339923694729803},{"text":"Wow.","start":297.69998,"end":298.09998,"sentiment":"neutral","sentiment_score":-0.000929705798625946},{"text":"Alright.","start":298.09998,"end":298.59998,"sentiment":"neutral","sentiment_score":-0.054403871297836304},{"text":"Yep.","start":316.415,"end":316.915,"sentiment":"neutral","sentiment_score":0.1279674470424652},{"text":"Yep.","start":326.03,"end":326.53,"sentiment":"neutral","sentiment_score":0.04057760164141655}],"sentiment":"neutral","sentiment_score":0.019974309578537942,"num_words":5,"start":296.41998,"end":326.53},{"sentences":[{"text":"Okay.","start":326.75,"end":327.15002,"sentiment":"neutral","sentiment_score":0.026885706931352615},{"text":"But for now, we have we only have $40.","start":327.15002,"end":330.53,"sentiment":"neutral","sentiment_score":-0.03038630944987138},{"text":"Okay.","start":332.935,"end":333.335,"sentiment":"neutral","sentiment_score":0.05273833125829697},{"text":"Alright.","start":333.335,"end":333.835,"sentiment":"neutral","sentiment_score":0.082638218998909},{"text":"So when we're refinancing, are we planning on pulling some from the equity to leave us with a bit of cash flow, or are you just wanting to refinance for a better rate?","start":333.895,"end":342.715,"sentiment":"neutral","sentiment_score":0.015225280838256533}],"sentiment":"neutral","sentiment_score":0.008693771995604038,"num_words":45,"start":326.75,"end":342.715},{"sentences":[{"text":"Okay.","start":346.07,"end":346.55002,"sentiment":"neutral","sentiment_score":0.05180564895272255},{"text":"Alright.","start":346.55002,"end":347.05002,"sentiment":"neutral","sentiment_score":-0.0034828754141926765},{"text":"So how much out of the money that you have, so the $40, are you willing to put into your super fund?","start":347.19,"end":352.63,"sentiment":"neutral","sentiment_score":0.0486379030414603},{"text":"Because realistically for you, it's gonna be locked away for twelve months.","start":352.63,"end":357.85498,"sentiment":"neutral","sentiment_score":0.010618642050152024},{"text":"You can't touch it.","start":357.85498,"end":359.155,"sentiment":"neutral","sentiment_score":-0.07537714950740337}],"sentiment":"neutral","sentiment_score":0.02360679367557168,"num_words":40,"start":346.07,"end":359.155},{"sentences":[{"text":"Whereas and then for Anne, we lost weight for a little bit longer, obviously.","start":360.095,"end":366.19498,"sentiment":"neutral","sentiment_score":-0.024690141901373863},{"text":"Yes.","start":369.215,"end":369.715,"sentiment":"neutral","sentiment_score":0.15039686858654022},{"text":"So yeah.","start":371.29498,"end":379.4675,"sentiment":"neutral","sentiment_score":-0.005668412894010544},{"text":"Yeah.","start":385.525,"end":386.005,"sentiment":"neutral","sentiment_score":0.1746680736541748},{"text":"So there's there's basically one of two avenues that we can do.","start":386.005,"end":389.685,"sentiment":"neutral","sentiment_score":0.2435136872033278}],"sentiment":"neutral","sentiment_score":0.09634101254244645,"num_words":30,"start":360.095,"end":389.685},{"sentences":[{"text":"If you only wanna put $20 in total, then we can just put 10 into each of them, and I can just help you make that contribution.","start":389.685,"end":397.065,"sentiment":"neutral","sentiment_score":0.32100426378073516},{"text":"That's nice and easy.","start":397.285,"end":398.165,"sentiment":"positive","sentiment_score":0.6750647723674774},{"text":"We need to move soon, like, within the next week because we're coming up to the end of financial year, or I can reach out to your account and find out exactly all of the figures, and we can put as much as possible.","start":398.165,"end":409.72,"sentiment":"neutral","sentiment_score":0.11498780387707731},{"text":"But, obviously, we only have $40 to pay with anyway.","start":409.72,"end":412.38,"sentiment":"neutral","sentiment_score":0.08451914712786675},{"text":"Don't get me wrong.","start":414.325,"end":415.04498,"sentiment":"neutral","sentiment_score":0.09798358753323555}],"sentiment":"neutral","sentiment_score":0.19847149891632326,"num_words":89,"start":389.685,"end":415.04498},{"sentences":[{"text":"The more we put in, the better off you are.","start":415.04498,"end":417.385,"sentiment":"neutral","sentiment_score":0.25559893548488616},{"text":"But Yeah.","start":417.685,"end":426.41,"sentiment":"neutral","sentiment_score":0.20147914439439774},{"text":"Yeah.","start":431.91748,"end":432.41748,"sentiment":"neutral","sentiment_score":0.017544124275445938},{"text":"Measures it over.","start":440.405,"end":441.125,"sentiment":"neutral","sentiment_score":-0.0799812339246273},{"text":"Yeah.","start":441.125,"end":441.625,"sentiment":"neutral","sentiment_score":-0.01183034386485815}],"sentiment":"neutral","sentiment_score":0.16027751307496252,"num_words":17,"start":415.04498,"end":441.625},{"sentences":[{"text":"Okay.","start":441.925,"end":442.425,"sentiment":"neutral","sentiment_score":-0.014023549854755402},{"text":"Because one of the things is is you're gonna end up with a CGT bill by the sounds of it, which means that you're gonna have a debt with the ATO.","start":443.205,"end":449.065,"sentiment":"neutral","sentiment_score":-0.1353673096145353},{"text":"Okay.","start":451.0,"end":451.5,"sentiment":"neutral","sentiment_score":-0.02657972276210785},{"text":"Loan and and paying the ATO off because the ATO interest rate is gonna be a lot higher than your personal mortgage rate.","start":463.875,"end":477.175,"sentiment":"neutral","sentiment_score":-0.060714607815379684},{"text":"Good.","start":483.45,"end":483.85,"sentiment":"positive","sentiment_score":0.4884709417819977}],"sentiment":"neutral","sentiment_score":-0.09026236681823145,"num_words":57,"start":441.925,"end":483.85},{"sentences":[{"text":"I think we're good.","start":483.85,"end":484.91,"sentiment":"positive","sentiment_score":0.48722274601459503},{"text":"Yes.","start":499.78497,"end":500.28497,"sentiment":"neutral","sentiment_score":-0.0634460598230362},{"text":"Yeah.","start":500.50497,"end":501.00497,"sentiment":"neutral","sentiment_score":-0.06817479431629181},{"text":"Yeah.","start":517.36,"end":517.86,"sentiment":"neutral","sentiment_score":-0.06266511231660843},{"text":"No.","start":518.96,"end":519.2,"sentiment":"neutral","sentiment_score":-0.17230278253555298}],"sentiment":"neutral","sentiment_score":0.19778777938336134,"num_words":8,"start":483.85,"end":519.2},{"sentences":[{"text":"That's okay.","start":519.2,"end":520.02,"sentiment":"neutral","sentiment_score":-0.0874966224655509},{"text":"Alright.","start":521.045,"end":521.445,"sentiment":"neutral","sentiment_score":0.01655854657292366},{"text":"So are we in agreeance?","start":521.445,"end":524.025,"sentiment":"neutral","sentiment_score":0.012301844358444215},{"text":"Are you wanting to put $10 into each of your funds?","start":524.085,"end":526.665,"sentiment":"neutral","sentiment_score":0.007247468287294561},{"text":"Yeah.","start":533.46,"end":533.96,"sentiment":"neutral","sentiment_score":0.16269871592521667}],"sentiment":"neutral","sentiment_score":0.007274769525974989,"num_words":20,"start":519.2,"end":533.96},{"sentences":[{"text":"And, like and we can we we do it in a tax effective way.","start":534.18,"end":537.46,"sentiment":"neutral","sentiment_score":0.23775374463626317},{"text":"I will double check to make sure that we can definitely do that.","start":537.46,"end":539.86,"sentiment":"neutral","sentiment_score":0.31588461765876186},{"text":"I believe that we should be fine.","start":539.86,"end":541.06,"sentiment":"positive","sentiment_score":0.429657518863678},{"text":"We're not gonna affect any of the caps or anything like that that we have to consider.","start":541.06,"end":546.04004,"sentiment":"neutral","sentiment_score":0.006446939249358634},{"text":"But what I'll do is I can email you today with the contribution details for both of the accounts and the methodology on how it's it's literally just a bank transfer.","start":547.41504,"end":556.555,"sentiment":"neutral","sentiment_score":0.1390512624094563}],"sentiment":"neutral","sentiment_score":0.18125417302987287,"num_words":82,"start":534.18,"end":556.555},{"sentences":[{"text":"And once that money goes in, what I will do is I'll submit what's called a notice of intention to claim.","start":558.455,"end":563.91003,"sentiment":"neutral","sentiment_score":0.10678525198073614},{"text":"So it's just a specific form that I'll submit.","start":563.91003,"end":565.93,"sentiment":"neutral","sentiment_score":0.13983755558729172},{"text":"And I will when I get the receipt, it's basically a tax receipt.","start":566.79,"end":570.07,"sentiment":"neutral","sentiment_score":0.14287930383132055},{"text":"When I get that tax receipt back, I will email it to you so that way you can give it to your accountant.","start":570.07,"end":575.575,"sentiment":"neutral","sentiment_score":0.19277642537718234},{"text":"Okay?","start":577.715,"end":578.115,"sentiment":"neutral","sentiment_score":0.09655147790908812}],"sentiment":"neutral","sentiment_score":0.14759505228764974,"num_words":67,"start":558.455,"end":578.115},{"sentences":[{"text":"And it just becomes basically something that you claim on your tax return.","start":578.115,"end":581.335,"sentiment":"neutral","sentiment_score":0.1272963652243981},{"text":"Yeah.","start":585.875,"end":586.275,"sentiment":"neutral","sentiment_score":0.0519280806183815},{"text":"Is it the 0732098242?","start":586.275,"end":590.73,"sentiment":"neutral","sentiment_score":0.04960563126951456},{"text":"Cool.","start":592.71,"end":593.03,"sentiment":"positive","sentiment_score":0.4998161494731903},{"text":"Just making sure that we have the same business.","start":593.03,"end":594.81,"sentiment":"positive","sentiment_score":0.3985975550280677}],"sentiment":"neutral","sentiment_score":0.2140141963692648,"num_words":28,"start":578.115,"end":594.81},{"sentences":[{"text":"I'm gonna see if I his email address is on his website.","start":595.75,"end":598.81,"sentiment":"neutral","sentiment_score":0.15506558368603388},{"text":"If it is, I'll cc him into the email when I send the tax statements.","start":599.91,"end":606.275,"sentiment":"neutral","sentiment_score":0.19987613062063853},{"text":"Okay?","start":608.015,"end":608.515,"sentiment":"neutral","sentiment_score":0.16752411425113678},{"text":"So that way he automatically has them.","start":608.97504,"end":610.755,"sentiment":"neutral","sentiment_score":0.23496795552117483},{"text":"Save you a step.","start":612.655,"end":613.715,"sentiment":"neutral","sentiment_score":0.07354466617107391}],"sentiment":"neutral","sentiment_score":0.1786001905416831,"num_words":39,"start":595.75,"end":613.715},{"sentences":[{"text":"$5.00 5.","start":628.125,"end":628.845,"sentiment":"neutral","sentiment_score":-0.05748272128403187},{"text":"Yep.","start":628.845,"end":629.345,"sentiment":"neutral","sentiment_score":-0.022201543673872948},{"text":"Alright.","start":637.40497,"end":637.725,"sentiment":"neutral","sentiment_score":-0.008196032606065273},{"text":"So it was about $5.00 5, and then you obviously had the the two mortgages.","start":637.725,"end":644.34,"sentiment":"neutral","sentiment_score":-0.04924577424923579},{"text":"So Jordan Street still has a mortgage, but Ormo and Richlands?","start":644.4,"end":650.18,"sentiment":"neutral","sentiment_score":-0.01958833042193543}],"sentiment":"neutral","sentiment_score":-0.03665070890759428,"num_words":30,"start":628.125,"end":650.18},{"sentences":[{"text":"Okay.","start":670.85,"end":671.35,"sentiment":"neutral","sentiment_score":-0.09199149906635284},{"text":"3 100.","start":671.73,"end":672.47,"sentiment":"neutral","sentiment_score":-0.07673872634768486},{"text":"Okay.","start":672.52997,"end":673.02997,"sentiment":"neutral","sentiment_score":-0.09965811669826508},{"text":"Yeah.","start":679.745,"end":680.225,"sentiment":"neutral","sentiment_score":0.11502036452293396},{"text":"Yeah.","start":680.225,"end":680.625,"sentiment":"neutral","sentiment_score":0.1276359111070633}],"sentiment":"neutral","sentiment_score":-0.017078465471665066,"num_words":6,"start":670.85,"end":680.625},{"sentences":[{"text":"It doesn't take long.","start":680.625,"end":681.765,"sentiment":"neutral","sentiment_score":0.1325264573097229},{"text":"Okay.","start":682.145,"end":682.645,"sentiment":"neutral","sentiment_score":0.08568993210792542},{"text":"Yeah.","start":690.25,"end":690.73,"sentiment":"neutral","sentiment_score":-0.01632329449057579},{"text":"Yeah.","start":690.73,"end":691.05,"sentiment":"neutral","sentiment_score":0.020732294768095016},{"text":"You've been you've been able to and and look.","start":691.05,"end":693.69,"sentiment":"neutral","sentiment_score":0.056158719687826104}],"sentiment":"neutral","sentiment_score":0.0703520774259232,"num_words":16,"start":680.625,"end":693.69},{"sentences":[{"text":"What like, the housing loans are have dropped as well.","start":693.69,"end":696.19,"sentiment":"neutral","sentiment_score":-0.044246483221650125},{"text":"If you refinance, you can always shift the mortgages over to the investment properties, and you can sort of reshuffle where all the mortgages sit as well.","start":697.20996,"end":707.96497,"sentiment":"neutral","sentiment_score":0.027636628115066775},{"text":"So are you happy going through the lender that you're looking at going through, or do you want me to connect you to my broker?","start":710.345,"end":715.725,"sentiment":"neutral","sentiment_score":0.19072882771492006},{"text":"No.","start":740.465,"end":740.625,"sentiment":"neutral","sentiment_score":-0.1444350630044937},{"text":"That's okay.","start":740.625,"end":741.265,"sentiment":"neutral","sentiment_score":-0.0768719157204032}],"sentiment":"neutral","sentiment_score":0.07344255269720004,"num_words":65,"start":693.69,"end":741.265},{"sentences":[{"text":"Okay.","start":741.265,"end":741.765,"sentiment":"neutral","sentiment_score":-0.005596878007054329},{"text":"Broken Hill Bank.","start":742.08,"end":742.96,"sentiment":"neutral","sentiment_score":-0.007145311528195937},{"text":"Alright.","start":742.96,"end":743.28,"sentiment":"neutral","sentiment_score":0.009617136791348456},{"text":"I'll have a look at what their rates are and Alright.","start":743.28,"end":756.89496,"sentiment":"neutral","sentiment_score":0.008076512762768702},{"text":"They're looking about 5.94%.","start":756.89496,"end":759.39496,"sentiment":"neutral","sentiment_score":0.02091287588700652}],"sentiment":"neutral","sentiment_score":0.007753873406909406,"num_words":20,"start":741.265,"end":759.39496},{"sentences":[{"text":"That's the home loan.","start":768.69,"end":769.81,"sentiment":"neutral","sentiment_score":-0.025016757077537477},{"text":"So Okay.","start":769.81,"end":787.045,"sentiment":"neutral","sentiment_score":-0.008821006864309311},{"text":"583.","start":797.77,"end":799.07,"sentiment":"neutral","sentiment_score":0.0014065218856558204},{"text":"Five point 7.","start":800.17004,"end":801.39,"sentiment":"neutral","sentiment_score":0.007641630247235298},{"text":"Okay.","start":802.09,"end":802.59,"sentiment":"neutral","sentiment_score":0.027077142149209976}],"sentiment":"neutral","sentiment_score":-0.006027317023836076,"num_words":11,"start":768.69,"end":802.59},{"sentences":[{"text":"Alright.","start":804.575,"end":804.815,"sentiment":"neutral","sentiment_score":0.08485614508390427},{"text":"No.","start":804.815,"end":804.975,"sentiment":"neutral","sentiment_score":0.013900376856327055},{"text":"That's cool.","start":804.975,"end":805.935,"sentiment":"neutral","sentiment_score":0.21492814272642136},{"text":"Alright.","start":805.935,"end":806.335,"sentiment":"neutral","sentiment_score":0.2837655544281006},{"text":"Well, I I'm happy.","start":806.335,"end":807.535,"sentiment":"positive","sentiment_score":0.35156993940472603}],"sentiment":"neutral","sentiment_score":0.24651756882667542,"num_words":9,"start":804.575,"end":807.535},{"sentences":[{"text":"I can I can connect you to my broker so she can have a shop around for you as well, unless you just wanna go ahead with Broken Hill?","start":807.535,"end":815.475,"sentiment":"neutral","sentiment_score":0.07501353573953283},{"text":"Yeah.","start":819.42004,"end":819.66003,"sentiment":"neutral","sentiment_score":0.06987977027893066},{"text":"Alright.","start":819.66003,"end":820.06,"sentiment":"neutral","sentiment_score":0.06129518151283264},{"text":"So it's 5.7 9.","start":820.06,"end":823.36,"sentiment":"neutral","sentiment_score":0.04100394621491432},{"text":"Cool.","start":824.62,"end":824.94,"sentiment":"neutral","sentiment_score":0.2925720512866974}],"sentiment":"neutral","sentiment_score":0.07675431456623806,"num_words":36,"start":807.535,"end":824.94},{"sentences":[{"text":"So 5 079, and I will, let her know that that's what it is.","start":824.94,"end":832.215,"sentiment":"neutral","sentiment_score":0.1610578474189554},{"text":"You you said you're going back to work now, so you're you're at work for the next okay.","start":832.215,"end":838.555,"sentiment":"neutral","sentiment_score":0.10054436326026917},{"text":"Cool.","start":839.09503,"end":839.415,"sentiment":"positive","sentiment_score":0.4570552706718445},{"text":"For three weeks.","start":839.415,"end":840.315,"sentiment":"neutral","sentiment_score":0.2765748252471288},{"text":"Well, she'll be able to connect to you with you via email anyway.","start":842.375,"end":846.82,"sentiment":"neutral","sentiment_score":0.2643990149864784}],"sentiment":"neutral","sentiment_score":0.17935868048546266,"num_words":49,"start":824.94,"end":846.82},{"sentences":[{"text":"She she can obviously call you.","start":847.27997,"end":849.14,"sentiment":"neutral","sentiment_score":0.14092031369606653},{"text":"But what I'll do is I'll email her.","start":849.92,"end":851.68,"sentiment":"neutral","sentiment_score":0.12041497882455587},{"text":"Her name is Brooke.","start":851.68,"end":852.57996,"sentiment":"neutral","sentiment_score":0.1362900286912918},{"text":"Get her to have a look at everything.","start":853.6,"end":856.5,"sentiment":"neutral","sentiment_score":0.16581193171441555},{"text":"I'll adjust the loan rates down to what we stipulated so that the 700 pump has come down to about three and provide her with that information.","start":857.2,"end":866.225,"sentiment":"neutral","sentiment_score":0.14391538004080454}],"sentiment":"neutral","sentiment_score":0.14275872721424643,"num_words":53,"start":847.27997,"end":866.225},{"sentences":[{"text":"And then, obviously, ask is gone.","start":866.28503,"end":868.865,"sentiment":"neutral","sentiment_score":-0.027773268210391205},{"text":"And I'll email you with the details to do with how to make the contributions into both of your accounts.","start":869.885,"end":877.93,"sentiment":"neutral","sentiment_score":0.12729306519031525},{"text":"Perfect.","start":880.55,"end":881.05,"sentiment":"neutral","sentiment_score":0.1314600706100464},{"text":"Alright.","start":881.27,"end":881.77,"sentiment":"neutral","sentiment_score":-0.17288826406002045},{"text":"Yeah.","start":893.045,"end":893.545,"sentiment":"neutral","sentiment_score":-0.07185928523540497}],"sentiment":"neutral","sentiment_score":0.07813566261581306,"num_words":29,"start":866.28503,"end":893.545},{"sentences":[{"text":"It bounced back and forward just in time.","start":893.925,"end":895.945,"sentiment":"neutral","sentiment_score":-0.10385083314031363},{"text":"Yeah.","start":899.62006,"end":900.12006,"sentiment":"neutral","sentiment_score":-0.07080826908349991},{"text":"So if it if, yeah, if it's $56,000, then then that's okay.","start":901.06,"end":906.92004,"sentiment":"neutral","sentiment_score":-0.012230204224276045},{"text":"Do you I I have all the details here anyway.","start":907.38,"end":910.02,"sentiment":"neutral","sentiment_score":0.022181785479187966},{"text":"I'll I'll have a look, and I'll do the math on what you bought for, what you sold for, and everything like that, and I'll go from there.","start":910.02,"end":916.065,"sentiment":"neutral","sentiment_score":0.00836883345618844}],"sentiment":"neutral","sentiment_score":-0.010037833785290941,"num_words":59,"start":893.925,"end":916.065},{"sentences":[{"text":"So that's okay.","start":916.125,"end":917.025,"sentiment":"neutral","sentiment_score":0.12543362379074097},{"text":"I'll have a look.","start":917.965,"end":918.945,"sentiment":"neutral","sentiment_score":0.05898367799818516},{"text":"But I'll get an email to you this afternoon.","start":919.565,"end":921.245,"sentiment":"neutral","sentiment_score":0.13111446590887177},{"text":"Alright?","start":921.245,"end":921.745,"sentiment":"neutral","sentiment_score":0.07833743095397949},{"text":"Okay.","start":924.345,"end":924.845,"sentiment":"positive","sentiment_score":0.35059046745300293}],"sentiment":"neutral","sentiment_score":0.12339964860843287,"num_words":18,"start":916.125,"end":924.845},{"sentences":[{"text":"Perfect.","start":924.90497,"end":925.40497,"sentiment":"positive","sentiment_score":0.5937527418136597},{"text":"No.","start":925.545,"end":925.8649,"sentiment":"neutral","sentiment_score":0.12306899577379228},{"text":"Absolutely, Lindsay.","start":925.8649,"end":926.90497,"sentiment":"positive","sentiment_score":0.42390523850917816},{"text":"Anytime at all.","start":926.90497,"end":927.96497,"sentiment":"neutral","sentiment_score":0.1902533620595932},{"text":"Bye.","start":928.90497,"end":929.40497,"sentiment":"neutral","sentiment_score":0.169340580701828}],"sentiment":"neutral","sentiment_score":0.288091610185802,"num_words":8,"start":924.90497,"end":929.40497},{"sentences":[{"text":"Bye.","start":929.785,"end":930.285,"sentiment":"neutral","sentiment_score":0.11206603050231934},{"text":"Bye.","start":930.50494,"end":931.00494,"sentiment":"neutral","sentiment_score":-0.13172456622123718}],"sentiment":"neutral","sentiment_score":-0.009829267859458923,"num_words":2,"start":929.785,"end":931.00494}]}}]},{"alternatives":[{"transcript":"Hello? Yeah. Just going back to work after the holiday, so yes. Yes. Yes. Yes. Yeah. He said he said, I think, $10, and I'll get maybe 6,000 off my tax. I don't really what that means. So is that really worth yeah. I just wanna see if it's worth putting all this money into me super or not because yeah. Well, you said they're around about 56,000, but then the the price changed a bit, but if we sold it for 500,000, roughly. But yeah. Right. But he he says yeah. He says 50 6,000. Yeah. 56,000 or something. Yeah. S s. Yeah. S. Me and me and yeah. So me and Andy, you're right. Yeah. $50.50. I think I I I see, that's the thing. I can't remember. It was so long ago, and I I thought it was she altogether, I think, but I'm not sure. Because yes. What? Yeah. Peter Lewis account. Yeah. I think so. I'll just go to find his it's been fine. Yeah. Because yeah. Pay the lowest account. So they're in 5%. Yep. Well, only about 40,000. The the BHE Bank are paying in the living whatever, and they end up taking most of the money and taking it off a loan. And I wanted more cash, and they said, no. No. You can't afford and all sort of bull, but then they they actually didn't realize we own Jordan Street. And it was a total stuff up. They said, oh, do you still own Number 5 Jordan Street? And I said, no. It's not Number 5. It's 91 or whatever it is. So they had every stuffed up. And then in the end, I wanted two of my loans paid off. The the house had almost paid off and, Flipped and paid off because they're a 100,000 each. And then you're not putting the $400 on, the the the four house loans to give them. Yeah. Yeah. Yeah. And then you left us about a $100. But by the time you paid lawyer fees and all that, we end up only and I paid off the solar loan, and I paid off the credit card, and I paid off the other credit card debt, so they're all paid off. Gone. But but yeah. But I've only got $40 left, and, you know, we wanted some money in the bank as well. So it's just we we don't have enough money to pay a couple of grand states. And yeah. So and I I wanna refinance away from BOQ because it really paid me off. And that, Broken Hill Bank are offering a really good discount at the moment on the interest rates. And and that's who I had to pursue the solar loan through, some solar battery. So they want me that they can do me a way better deal. So if I do that, I'll I'll refinance and we'll be a lot better off. Yeah. That $40. Yes. I wanna go into it. Yeah. For a better rate. Yes. Yes. A lot a lot longer. Yes. So, yeah, the maximum is probably $20, but I just, you know, I just I know that I'm not gonna lose it. If I don't do, I'm gonna lose some more money off my cap. So it's just I know I'm not gonna lose it, but it's gonna go into the super. Got it. Okay. Yes. Yes. Yes. Yes. Yep. So yeah. Yeah. So I wanna have some I wanna have, you know, money left over just to you know, so we don't have to worry about paying the bills, whatever. Just have, you know, at least $10 there just to have because, you know, obviously, I've got the credit card paid off. There's $15 there. Well, we just don't wanna use that credit card anymore. That's gone because it's there for emergency zone. Yes. And I've already got debt I've already got debt to the ACO anyhow. I'm still paying off. Yeah. Yeah. I'm I'm paying off. Yeah. Yeah. Well, at the moment, they're not charging me any interest. We're paying off everything. There's no interest. Yeah. So Anne Anne's got a bill, I think, 5 or 6,000. She's paying off, and I'm paying off. But so my what I'm paying off is is not even a bill. It's it's it's they're charging me that what tax I might be paying. Yeah. No. I've never had that before. And and and someone's got all these bills, so she she gets, like, $5,000 tax bill. And normally, I I actually get a credit. And some reason, they've gone after me, making me pay all this money. That's that's just crazy. But yeah. So they're actually yeah. Well, that's what yeah. I I also actually done yeah. So you're putting around each one. Yes. Yep. Okay. Yeah. Okay. Yeah. Yep. And I'll probably just tell the phone number in front of me if you wanna. Yes. That's the one. Yep. Yep. Yes. Yeah. Because I think yeah. I can't I think it was 505,000 that we sold the house. I don't think she even got the bloody bill. Yeah. I think it was 505. Yeah. Yeah. Yeah. All the houses are still there set for. I wanted all my gone, and I wanted 50 gone, but they wouldn't they they stopped all that up, and they said, oh, no. No. The $400 is going off the $700,000 loan. So she's now down to 300,000. And then they left us a 100,000, and that by the time we paid all these bills off around the end of $40. Yeah. But we are now you know, it's almost always big debts are gone. It's just now the houses. Yes. Well, if you can give a better rate, there's yeah. They're offering less than a BOQ. And so you well, who it? Oh, so so I can't even go on the Internet. Some reason why I it's called a Broken Hill Bank. It's never in New South Wales. Some reason my AirPods were playing it before, and I couldn't go on the AirPods. Try again. Yeah. Okay. Yeah. Try it again. My name's open here. No. What was that? Oh, it was the upper casing. So that was yeah. They they sent me a comment. Yeah. Must be yeah. I know it's cheaper than a a b o two. It doesn't actually say here in the in the email. Oh, here it is. 583. Oh, five point seven 9. Yeah. 579. Yeah. Yeah. Well, here I'll just go here every second. That's right. Nine. Yeah. Yeah. I'm at I'm at work now. Yes. For three weeks. Yes. Yes. Yeah. Yes. Yes. Yep. Okay. Because that's what I I can't remember with I'm pretty sure I told Peter that it was $50.50 loan. I can't remember those. 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Yeah. Just going back to work after the holiday, so yes. Yes. Yes.\n\nYes. Yeah. He said he said, I think, $10, and I'll get maybe 6,000 off my tax. I don't really what that means. So is that really worth yeah.\n\nI just wanna see if it's worth putting all this money into me super or not because yeah. Well, you said they're around about 56,000, but then the the price changed a bit, but if we sold it for 500,000, roughly. But yeah. Right. But he he says yeah.\n\nHe says 50 6,000. Yeah. 56,000 or something. Yeah. S s.\n\nYeah. S. Me and me and yeah. So me and Andy, you're right. Yeah.\n\n$50.50. I think I I I see, that's the thing. I can't remember. It was so long ago, and I I thought it was she altogether, I think, but I'm not sure. Because yes.\n\nWhat? Yeah. Peter Lewis account. Yeah. I think so.\n\nI'll just go to find his it's been fine. Yeah. Because yeah. Pay the lowest account. So they're in 5%.\n\nYep. Well, only about 40,000. The the BHE Bank are paying in the living whatever, and they end up taking most of the money and taking it off a loan. And I wanted more cash, and they said, no. No.\n\nYou can't afford and all sort of bull, but then they they actually didn't realize we own Jordan Street. And it was a total stuff up. They said, oh, do you still own Number 5 Jordan Street? And I said, no. It's not Number 5.\n\nIt's 91 or whatever it is. So they had every stuffed up. And then in the end, I wanted two of my loans paid off. The the house had almost paid off and, Flipped and paid off because they're a 100,000 each. And then you're not putting the $400 on, the the the four house loans to give them.\n\nYeah. Yeah. Yeah. And then you left us about a $100. But by the time you paid lawyer fees and all that, we end up only and I paid off the solar loan, and I paid off the credit card, and I paid off the other credit card debt, so they're all paid off.\n\nGone. But but yeah. But I've only got $40 left, and, you know, we wanted some money in the bank as well. So it's just we we don't have enough money to pay a couple of grand states. And yeah.\n\nSo and I I wanna refinance away from BOQ because it really paid me off. And that, Broken Hill Bank are offering a really good discount at the moment on the interest rates. And and that's who I had to pursue the solar loan through, some solar battery. So they want me that they can do me a way better deal. So if I do that, I'll I'll refinance and we'll be a lot better off.\n\nYeah. That $40. Yes. I wanna go into it. Yeah.\n\nFor a better rate. Yes. Yes. A lot a lot longer. Yes.\n\nSo, yeah, the maximum is probably $20, but I just, you know, I just I know that I'm not gonna lose it. If I don't do, I'm gonna lose some more money off my cap. So it's just I know I'm not gonna lose it, but it's gonna go into the super. Got it. Okay.\n\nYes. Yes. Yes. Yes. Yep.\n\nSo yeah. Yeah. So I wanna have some I wanna have, you know, money left over just to you know, so we don't have to worry about paying the bills, whatever. Just have, you know, at least $10 there just to have because, you know, obviously, I've got the credit card paid off. There's $15 there.\n\nWell, we just don't wanna use that credit card anymore. That's gone because it's there for emergency zone. Yes. And I've already got debt I've already got debt to the ACO anyhow. I'm still paying off.\n\nYeah. Yeah. I'm I'm paying off. Yeah. Yeah.\n\nWell, at the moment, they're not charging me any interest. We're paying off everything. There's no interest. Yeah. So Anne Anne's got a bill, I think, 5 or 6,000.\n\nShe's paying off, and I'm paying off. But so my what I'm paying off is is not even a bill. It's it's it's they're charging me that what tax I might be paying. Yeah. No.\n\nI've never had that before. And and and someone's got all these bills, so she she gets, like, $5,000 tax bill. And normally, I I actually get a credit. And some reason, they've gone after me, making me pay all this money. That's that's just crazy.\n\nBut yeah. So they're actually yeah. Well, that's what yeah. I I also actually done yeah. So you're putting around each one.\n\nYes. Yep. Okay. Yeah. Okay.\n\nYeah. Yep. And I'll probably just tell the phone number in front of me if you wanna. Yes. That's the one.\n\nYep. Yep. Yes. Yeah. Because I think yeah.\n\nI can't I think it was 505,000 that we sold the house. I don't think she even got the bloody bill. Yeah. I think it was 505. Yeah.\n\nYeah. Yeah. All the houses are still there set for. I wanted all my gone, and I wanted 50 gone, but they wouldn't they they stopped all that up, and they said, oh, no. No.\n\nThe $400 is going off the $700,000 loan. So she's now down to 300,000. And then they left us a 100,000, and that by the time we paid all these bills off around the end of $40. Yeah. But we are now you know, it's almost always big debts are gone.\n\nIt's just now the houses. Yes. Well, if you can give a better rate, there's yeah. They're offering less than a BOQ. And so you well, who it?\n\nOh, so so I can't even go on the Internet. Some reason why I it's called a Broken Hill Bank. It's never in New South Wales. Some reason my AirPods were playing it before, and I couldn't go on the AirPods. Try again.\n\nYeah. Okay. Yeah. Try it again. My name's open here.\n\nNo. What was that? Oh, it was the upper casing. So that was yeah. They they sent me a comment.\n\nYeah. Must be yeah. I know it's cheaper than a a b o two. It doesn't actually say here in the in the email. Oh, here it is.\n\n583. Oh, five point seven 9. Yeah. 579. Yeah.\n\nYeah. Well, here I'll just go here every second. That's right. Nine. Yeah.\n\nYeah. I'm at I'm at work now. Yes. For three weeks. Yes.\n\nYes. Yeah. Yes. Yes. Yep.\n\nOkay. Because that's what I I can't remember with I'm pretty sure I told Peter that it was $50.50 loan. I can't remember those. Because the house got sold and not sold and not like, since last year. It's four times.\n\nYeah. Four times it fell through. Yeah. Yep. Okay.\n\nNo worries. Yep. Okay. No worries. Thank you.\n\nOkay. Alrighty. Okay. Bye. Bye.\n\nBye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.28,"end":1.78,"sentiment":"neutral","sentiment_score":0.05686289072036743},{"text":"Yeah.","start":12.4,"end":12.799999,"sentiment":"neutral","sentiment_score":0.04296797513961792},{"text":"Just going back to work after the holiday, so yes.","start":12.799999,"end":15.105,"sentiment":"neutral","sentiment_score":0.059770962595939635},{"text":"Yes.","start":26.544998,"end":27.044998,"sentiment":"neutral","sentiment_score":0.03347229212522507},{"text":"Yes.","start":27.585,"end":27.72,"sentiment":"neutral","sentiment_score":0.03962942957878113}],"sentiment":"neutral","sentiment_score":0.055045872394527705,"num_words":14,"start":1.28,"end":27.72},{"sentences":[{"text":"Yes.","start":35.64,"end":36.12,"sentiment":"neutral","sentiment_score":0.061592910438776016},{"text":"Yeah.","start":36.12,"end":36.44,"sentiment":"neutral","sentiment_score":0.04560144245624542},{"text":"He said he said, I think, $10, and I'll get maybe 6,000 off my tax.","start":36.44,"end":41.48,"sentiment":"neutral","sentiment_score":0.05529500804841518},{"text":"I don't really what that means.","start":41.48,"end":43.595,"sentiment":"neutral","sentiment_score":-0.12791719287633896},{"text":"So is that really worth yeah.","start":45.255,"end":47.655003,"sentiment":"neutral","sentiment_score":0.02039862144738436}],"sentiment":"neutral","sentiment_score":0.010052001553362814,"num_words":29,"start":35.64,"end":47.655003},{"sentences":[{"text":"I just wanna see if it's worth putting all this money into me super or not because yeah.","start":47.655003,"end":51.515,"sentiment":"neutral","sentiment_score":0.033094274914926954},{"text":"Well, you said they're around about 56,000, but then the the price changed a bit, but if we sold it for 500,000, roughly.","start":88.82001,"end":96.845,"sentiment":"neutral","sentiment_score":-0.027049852697097736},{"text":"But yeah.","start":98.815,"end":101.805,"sentiment":"neutral","sentiment_score":-0.0019411547109484664},{"text":"Right.","start":110.13,"end":110.63,"sentiment":"neutral","sentiment_score":0.02141907811164856},{"text":"But he he says yeah.","start":111.25,"end":112.85,"sentiment":"neutral","sentiment_score":-0.01944341864436865}],"sentiment":"neutral","sentiment_score":-0.002165918124421519,"num_words":49,"start":47.655003,"end":112.85},{"sentences":[{"text":"He says 50 6,000.","start":112.85,"end":114.29,"sentiment":"neutral","sentiment_score":-0.02162690320983529},{"text":"Yeah.","start":114.29,"end":114.53,"sentiment":"neutral","sentiment_score":-0.016425438225269318},{"text":"56,000 or something.","start":114.53,"end":116.07,"sentiment":"neutral","sentiment_score":-0.019762162119150162},{"text":"Yeah.","start":118.21,"end":118.545,"sentiment":"neutral","sentiment_score":0.026773255318403244},{"text":"S 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no.","start":654.575,"end":662.25,"sentiment":"neutral","sentiment_score":-0.30872059675554436},{"text":"No.","start":662.25,"end":662.41,"sentiment":"negative","sentiment_score":-0.4682779908180237}],"sentiment":"neutral","sentiment_score":-0.26574252475319166,"num_words":35,"start":648.415,"end":662.41},{"sentences":[{"text":"The $400 is going off the $700,000 loan.","start":662.41,"end":665.31,"sentiment":"negative","sentiment_score":-0.3965392932295799},{"text":"So she's now down to 300,000.","start":666.56995,"end":668.67,"sentiment":"neutral","sentiment_score":-0.24479475120703378},{"text":"And then they left us a 100,000, and that by the time we paid all these bills off around the end of $40.","start":671.715,"end":677.97504,"sentiment":"neutral","sentiment_score":0.02810055762529373},{"text":"Yeah.","start":682.435,"end":682.935,"sentiment":"neutral","sentiment_score":0.02892463654279709},{"text":"But we are now you know, it's almost always big debts are gone.","start":683.315,"end":687.65,"sentiment":"neutral","sentiment_score":-0.22221658493463808}],"sentiment":"neutral","sentiment_score":-0.13440511755499185,"num_words":51,"start":662.41,"end":687.65},{"sentences":[{"text":"It's just now the houses.","start":687.65,"end":688.79004,"sentiment":"neutral","sentiment_score":-0.2116914927959442},{"text":"Yes.","start":708.46497,"end":708.96497,"sentiment":"neutral","sentiment_score":0.11586645245552064},{"text":"Well, if you can give a better rate, there's yeah.","start":716.39,"end":719.03,"sentiment":"neutral","sentiment_score":0.08336670249700547},{"text":"They're offering less than a BOQ.","start":719.03,"end":720.89,"sentiment":"neutral","sentiment_score":0.07384095465143521},{"text":"And so you well, who it?","start":722.15,"end":724.215,"sentiment":"neutral","sentiment_score":0.011191688012331724}],"sentiment":"neutral","sentiment_score":0.014331138193873423,"num_words":28,"start":687.65,"end":724.215},{"sentences":[{"text":"Oh, so so I can't even go on the Internet.","start":724.775,"end":726.955,"sentiment":"neutral","sentiment_score":-0.12257061079144478},{"text":"Some reason why I it's called a Broken Hill Bank.","start":727.815,"end":732.395,"sentiment":"neutral","sentiment_score":-0.10555378422141075},{"text":"It's never in New South Wales.","start":733.17505,"end":734.635,"sentiment":"neutral","sentiment_score":-0.12047925467292468},{"text":"Some reason my AirPods were playing it before, and I couldn't go on the AirPods.","start":735.97504,"end":739.41,"sentiment":"neutral","sentiment_score":-0.1635225459933281},{"text":"Try again.","start":740.37,"end":741.19,"sentiment":"neutral","sentiment_score":-0.09849566593766212}],"sentiment":"neutral","sentiment_score":-0.13148718604514764,"num_words":43,"start":724.775,"end":741.19},{"sentences":[{"text":"Yeah.","start":745.17,"end":745.41,"sentiment":"neutral","sentiment_score":0.004156231880187988},{"text":"Okay.","start":745.41,"end":745.91,"sentiment":"neutral","sentiment_score":0.009483309462666512},{"text":"Yeah.","start":746.37,"end":746.87,"sentiment":"neutral","sentiment_score":0.00957304984331131},{"text":"Try it again.","start":747.17,"end":748.06995,"sentiment":"neutral","sentiment_score":0.007344323520859082},{"text":"My name's open here.","start":751.73,"end":753.19,"sentiment":"neutral","sentiment_score":0.018735521472990513}],"sentiment":"neutral","sentiment_score":0.012018764764070511,"num_words":10,"start":745.17,"end":753.19},{"sentences":[{"text":"No.","start":769.31,"end":769.55,"sentiment":"neutral","sentiment_score":-0.07242274284362793},{"text":"What was that?","start":769.55,"end":770.21,"sentiment":"neutral","sentiment_score":-0.08212144672870636},{"text":"Oh, it was the upper casing.","start":772.83,"end":774.29,"sentiment":"neutral","sentiment_score":-0.03845482940475146},{"text":"So that was yeah.","start":774.35,"end":777.63,"sentiment":"neutral","sentiment_score":-0.016754789045080543},{"text":"They they sent me a comment.","start":777.63,"end":779.15,"sentiment":"neutral","sentiment_score":-0.018626509079088766}],"sentiment":"neutral","sentiment_score":-0.036414713505655526,"num_words":20,"start":769.31,"end":779.15},{"sentences":[{"text":"Yeah.","start":779.15,"end":779.65,"sentiment":"neutral","sentiment_score":0.02781033143401146},{"text":"Must be yeah.","start":781.15,"end":781.995,"sentiment":"neutral","sentiment_score":0.05049460008740425},{"text":"I know it's cheaper than a a b o two.","start":782.875,"end":785.455,"sentiment":"neutral","sentiment_score":0.03616284914314747},{"text":"It doesn't actually say here in the in the email.","start":791.275,"end":793.615,"sentiment":"neutral","sentiment_score":-0.03403780199587345},{"text":"Oh, here it is.","start":794.475,"end":795.275,"sentiment":"neutral","sentiment_score":-0.0015818553511053324}],"sentiment":"neutral","sentiment_score":0.006936327920162252,"num_words":28,"start":779.15,"end":795.275},{"sentences":[{"text":"583.","start":795.275,"end":796.44,"sentiment":"neutral","sentiment_score":-0.00029762618942186236},{"text":"Oh, five point seven 9.","start":797.64,"end":799.18,"sentiment":"neutral","sentiment_score":0.0030930250883102416},{"text":"Yeah.","start":799.48,"end":799.8,"sentiment":"neutral","sentiment_score":0.007573566399514675},{"text":"579.","start":799.8,"end":801.1,"sentiment":"neutral","sentiment_score":0.006157636642456055},{"text":"Yeah.","start":802.52,"end":803.02,"sentiment":"neutral","sentiment_score":0.04794713109731674}],"sentiment":"neutral","sentiment_score":0.008538425932379646,"num_words":9,"start":795.275,"end":803.02},{"sentences":[{"text":"Yeah.","start":812.055,"end":812.555,"sentiment":"neutral","sentiment_score":0.008271553553640842},{"text":"Well, here I'll just go here every second.","start":815.65497,"end":817.65497,"sentiment":"neutral","sentiment_score":0.03491621348075569},{"text":"That's right.","start":817.65497,"end":818.39496,"sentiment":"neutral","sentiment_score":0.09795630723237991},{"text":"Nine.","start":822.45496,"end":822.95496,"sentiment":"neutral","sentiment_score":0.028757691383361816},{"text":"Yeah.","start":823.25494,"end":823.75494,"sentiment":"neutral","sentiment_score":0.1421365737915039}],"sentiment":"neutral","sentiment_score":0.05033908777225476,"num_words":13,"start":812.055,"end":823.75494},{"sentences":[{"text":"Yeah.","start":825.175,"end":825.6,"sentiment":"neutral","sentiment_score":0.14073938131332395},{"text":"I'm at I'm at work now.","start":835.27997,"end":836.8,"sentiment":"neutral","sentiment_score":0.06845212106903394},{"text":"Yes.","start":836.8,"end":837.12,"sentiment":"neutral","sentiment_score":0.11031373590230942},{"text":"For three weeks.","start":837.12,"end":837.825,"sentiment":"neutral","sentiment_score":0.11907029151916504},{"text":"Yes.","start":847.265,"end":847.585,"sentiment":"neutral","sentiment_score":0.1302148997783661}],"sentiment":"neutral","sentiment_score":0.09576596816380818,"num_words":12,"start":825.175,"end":847.585},{"sentences":[{"text":"Yes.","start":847.585,"end":847.905,"sentiment":"neutral","sentiment_score":0.14793479442596436},{"text":"Yeah.","start":847.905,"end":848.405,"sentiment":"neutral","sentiment_score":0.16120389103889465},{"text":"Yes.","start":849.505,"end":850.005,"sentiment":"neutral","sentiment_score":0.12768641114234924},{"text":"Yes.","start":869.525,"end":870.025,"sentiment":"neutral","sentiment_score":0.1182512640953064},{"text":"Yep.","start":878.165,"end":878.485,"sentiment":"neutral","sentiment_score":0.08357244729995728}],"sentiment":"neutral","sentiment_score":0.12772976160049437,"num_words":5,"start":847.585,"end":878.485},{"sentences":[{"text":"Okay.","start":878.485,"end":878.985,"sentiment":"neutral","sentiment_score":0.07419887185096741},{"text":"Because that's what I I can't remember with I'm pretty sure I told Peter that it was $50.50 loan.","start":880.245,"end":885.7,"sentiment":"neutral","sentiment_score":-0.1358031477583082},{"text":"I can't remember those.","start":885.7,"end":886.92,"sentiment":"neutral","sentiment_score":-0.17786461114883423},{"text":"Because the house got sold and not sold and not like, since last year.","start":887.22,"end":892.04,"sentiment":"neutral","sentiment_score":-0.24156766597713744},{"text":"It's four times.","start":894.1,"end":895.24,"sentiment":"neutral","sentiment_score":-0.14626164734363556}],"sentiment":"neutral","sentiment_score":-0.17166467428934284,"num_words":41,"start":878.485,"end":895.24},{"sentences":[{"text":"Yeah.","start":895.77997,"end":896.01996,"sentiment":"neutral","sentiment_score":-0.12619121372699738},{"text":"Four times it fell through.","start":896.01996,"end":897.255,"sentiment":"neutral","sentiment_score":-0.18782654404640198},{"text":"Yeah.","start":900.695,"end":901.195,"sentiment":"neutral","sentiment_score":-0.04590022563934326},{"text":"Yep.","start":916.31,"end":916.55,"sentiment":"neutral","sentiment_score":0.12064756453037262},{"text":"Okay.","start":916.55,"end":917.05,"sentiment":"neutral","sentiment_score":0.0277811735868454}],"sentiment":"neutral","sentiment_score":-0.10697726905345917,"num_words":9,"start":895.77997,"end":917.05},{"sentences":[{"text":"No worries.","start":919.43,"end":920.17,"sentiment":"neutral","sentiment_score":-0.008245926350355148},{"text":"Yep.","start":922.15,"end":922.47003,"sentiment":"neutral","sentiment_score":0.08779501169919968},{"text":"Okay.","start":922.47003,"end":922.87494,"sentiment":"neutral","sentiment_score":0.13355760276317596},{"text":"No worries.","start":923.27496,"end":923.83496,"sentiment":"neutral","sentiment_score":0.21049365401268005},{"text":"Thank you.","start":923.83496,"end":924.65497,"sentiment":"positive","sentiment_score":0.6320038735866547}],"sentiment":"neutral","sentiment_score":0.23623197712004185,"num_words":8,"start":919.43,"end":924.65497},{"sentences":[{"text":"Okay.","start":927.27496,"end":927.77496,"sentiment":"neutral","sentiment_score":0.15928427875041962},{"text":"Alrighty.","start":927.99493,"end":928.49493,"sentiment":"neutral","sentiment_score":0.2463482767343521},{"text":"Okay.","start":928.63495,"end":929.13495,"sentiment":"neutral","sentiment_score":0.1628136932849884},{"text":"Bye.","start":929.3549,"end":929.8549,"sentiment":"neutral","sentiment_score":0.12948668003082275},{"text":"Bye.","start":929.9149,"end":930.39496,"sentiment":"neutral","sentiment_score":0.09951126575469972}],"sentiment":"neutral","sentiment_score":0.15948883891105653,"num_words":5,"start":927.27496,"end":930.39496},{"sentences":[{"text":"Bye.","start":930.39496,"end":930.89496,"sentiment":"neutral","sentiment_score":0.0996810793876648}],"sentiment":"neutral","sentiment_score":0.0996810793876648,"num_words":1,"start":930.39496,"end":930.89496}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Hi, Lindsay. Larissa here. How are you going? That's good. Sorry that I had to push you back an hour.\n\nHow how is everything going for you?\n\nChannel 1: Yeah. Just going back to work after the holiday, so yes.\n\nChannel 0: Oh, no. I mean, yay, but no. So the thing let me know, you were you sold\n\nChannel 1: Yes. Yes.\n\nChannel 0: sold property, and you were you talked to the accountant and wanted to look at a a contribution strategy around making\n\nChannel 1: Yes. Yeah. He\n\nChannel 0: Yeah.\n\nChannel 1: said he said, I think, $10, and I'll get maybe 6,000 off my tax. I don't really what that means.\n\nChannel 0: Yep.\n\nChannel 1: So is\n\nChannel 0: No.\n\nChannel 1: that\n\nChannel 0: That's\n\nChannel 1: really\n\nChannel 0: okay.\n\nChannel 1: worth yeah. I just wanna see if it's worth putting all this money into me super or not because yeah.\n\nChannel 0: Well, I mean, realistically, for yourself, it's really good, really. Purely and simply, like, as of next year, in the August, you hit 60. So at that point, your super becomes tax free. So the more you put into your superannuation right now in respect to tax minimization strategies, the better off we would come. Did the accountant give you an indication as to what the capital gain was?\n\nChannel 1: Well, you said they're around about 56,000, but then the the price changed a bit, but if we sold it for 500,000, roughly.\n\nChannel 0: So\n\nChannel 1: But\n\nChannel 0: there's one of two ways that I can do this. I can do up an\n\nChannel 1: yeah.\n\nChannel 0: estimated calculation. It's not gonna be anywhere near as good as the as the accountant. If the accountant's already done the math, I can reach out to the accountant and get the math from him.\n\nChannel 1: Right.\n\nChannel 0: And\n\nChannel 1: But\n\nChannel 0: then\n\nChannel 1: he\n\nChannel 0: the question\n\nChannel 1: he says yeah. He says 50\n\nChannel 0: Sorry?\n\nChannel 1: 6,000. Yeah. 56,000 or something.\n\nChannel 0: 56,000 is the gain. So\n\nChannel 1: Yeah.\n\nChannel 0: there's a couple of different things that we can do. Because so 56,000 is the gain. What that means is and can I ask which property is it that we sold? Is it the one\n\nChannel 1: S\n\nChannel 0: you\n\nChannel 1: s.\n\nChannel 0: own?\n\nChannel 1: Yeah. S.\n\nChannel 0: S\n\nChannel 1: Me and me and\n\nChannel 0: cool.\n\nChannel 1: yeah. So me and Andy, you're right. Yeah. $50.50.\n\nChannel 0: Cool. Sweet. Just wanted to double check. So if we sold s, if it's 56,000, was that 56,000 total? Is that 56,000 each?\n\nChannel 1: I think I I I see, that's the thing. I can't remember. It was so long ago, and I I thought it was she altogether, I think, but I'm not sure. Because\n\nChannel 0: Okay. Do you know what your accountant's details are?\n\nChannel 1: yes.\n\nChannel 0: Oh, who who the\n\nChannel 1: What?\n\nChannel 0: accountant is?\n\nChannel 1: Yeah. Peter Lewis account.\n\nChannel 0: Peter Lewis, w l e w I s.\n\nChannel 1: Yeah. I think so. I'll just go to find his it's been fine. Yeah. Because yeah.\n\nPay the lowest account. So they're in 5%.\n\nChannel 0: Yep. Yep. Perfect. So what I can do is I can I can reach out to Peter? And get the information from him.\n\nEmail from you saying that you're happy to release information.\n\nChannel 1: Yep.\n\nChannel 0: But I can send an email through CCU in so that way, you know, there's a a link and everything. And I can just find out what the gain is. Can I ask, when we sold, how much money do we have in liquid cash now?\n\nChannel 1: Well, only about 40,000. The the BHE Bank are paying in the living whatever, and they end up taking most of the money and taking it off a loan. And I wanted more cash, and they said, no. No. You can't afford and all sort of bull, but then they they actually didn't realize we own Jordan Street.\n\nAnd it was a total stuff up. They said, oh, do you still own Number 5 Jordan Street? And I said, no. It's not Number 5. It's 91 or whatever it is.\n\nSo they\n\nChannel 0: Yep.\n\nChannel 1: had every stuffed up. And then in the end, I wanted two of my loans paid off. The the house had almost paid off and, Flipped and paid off because they're a 100,000 each. And then\n\nChannel 0: Yep.\n\nChannel 1: you're not putting the $400 on, the the the four house loans to give them.\n\nChannel 0: Okay. So they ended up they ended up taking the profit\n\nChannel 1: Yeah.\n\nChannel 0: and putting it all against the properties.\n\nChannel 1: Yeah. Yeah. And then you left us about a $100. But by the time you paid lawyer fees and all that, we end up only and I paid off the solar loan, and I paid off the credit\n\nChannel 0: Yep.\n\nChannel 1: card, and I paid\n\nChannel 0: Yep.\n\nChannel 1: off the other credit card debt, so they're all paid off. Gone.\n\nChannel 0: Yep. Which is exactly\n\nChannel 1: But\n\nChannel 0: what\n\nChannel 1: but\n\nChannel 0: we say we were gonna do.\n\nChannel 1: yeah. But I've only got $40 left, and, you know, we wanted some money in the bank as well. So it's just we we don't have enough money to pay a couple of grand states.\n\nChannel 0: Yep. Okay.\n\nChannel 1: And yeah.\n\nChannel 0: Wow.\n\nChannel 1: So\n\nChannel 0: Alright.\n\nChannel 1: and I I wanna refinance away from BOQ because it really paid me off. And that, Broken Hill Bank are offering a really good discount at the moment on the interest rates. And and that's who I had to pursue the solar loan through, some solar battery.\n\nChannel 0: Yep.\n\nChannel 1: So they want me that they can do me a way better deal. So if I do that, I'll I'll refinance and we'll be a lot better off.\n\nChannel 0: Yep. Okay. But for now, we have we only have $40.\n\nChannel 1: Yeah. That $40. Yes.\n\nChannel 0: Okay. Alright. So when we're refinancing, are we planning on pulling some from the equity to leave us with a bit of cash flow, or are you just wanting to refinance for a better rate?\n\nChannel 1: I wanna go into it. Yeah.\n\nChannel 0: Okay. Alright. So how much out of the money that you have, so the $40, are you willing to put into your super fund? Because realistically for you, it's gonna be locked away\n\nChannel 1: For\n\nChannel 0: for twelve months.\n\nChannel 1: a better\n\nChannel 0: You can't\n\nChannel 1: rate.\n\nChannel 0: touch it.\n\nChannel 1: Yes.\n\nChannel 0: Whereas and then for Anne, we lost weight for a little bit longer, obviously.\n\nChannel 1: Yes. A lot a lot longer. Yes.\n\nChannel 0: Yes.\n\nChannel 1: So, yeah, the\n\nChannel 0: So\n\nChannel 1: maximum is probably $20, but I just, you know, I just I know that I'm not gonna lose it. If I don't do, I'm gonna lose some more money off\n\nChannel 0: yeah.\n\nChannel 1: my cap. So it's just I know I'm not gonna lose it, but it's gonna go into the super.\n\nChannel 0: Yeah. So there's there's basically one of two avenues that we can do. If you only wanna put $20 in total, then we can just put 10 into each of them, and I can just help you make that contribution. That's nice\n\nChannel 1: Got\n\nChannel 0: and easy.\n\nChannel 1: it. Okay.\n\nChannel 0: We need to move soon, like, within the next week because\n\nChannel 1: Yes.\n\nChannel 0: we're coming up to\n\nChannel 1: Yes.\n\nChannel 0: the end of financial year,\n\nChannel 1: Yes.\n\nChannel 0: or I can reach out to your account and find out exactly all of the figures, and we can put as much as possible. But, obviously, we only have $40 to pay with anyway.\n\nChannel 1: Yes. Yep.\n\nChannel 0: Don't get me wrong.\n\nChannel 1: So\n\nChannel 0: The\n\nChannel 1: yeah.\n\nChannel 0: more we put in, the better off you are. But\n\nChannel 1: Yeah. So I wanna have some I wanna have, you know, money left over just to you know, so we don't have to worry about paying the bills, whatever.\n\nChannel 0: Yeah.\n\nChannel 1: Just have, you know, at least $10 there just to have because, you know, obviously, I've got the credit card paid off. There's\n\nChannel 0: Yeah.\n\nChannel 1: $15 there. Well, we just don't wanna use that credit card anymore. That's gone because it's there for emergency zone.\n\nChannel 0: Measures it over. Yeah. Okay. Because one of the things is is you're gonna end up with a CGT bill by the sounds of it, which means that you're gonna have a debt with the ATO.\n\nChannel 1: Yes. And I've already got\n\nChannel 0: Okay.\n\nChannel 1: debt I've already got debt to the ACO anyhow. I'm still paying off. Yeah. Yeah. I'm I'm paying off.\n\nYeah.\n\nChannel 0: Loan and and paying the ATO off because the ATO interest rate is gonna be a lot higher than your personal mortgage rate.\n\nChannel 1: Yeah. Well, at the moment, they're not charging me any interest. We're paying off everything. There's no interest.\n\nChannel 0: Good. I think we're good.\n\nChannel 1: Yeah. So Anne Anne's got a bill, I think, 5 or 6,000. She's paying off, and I'm paying off. But so my what I'm paying off is is not even a bill. It's it's it's they're charging me that what tax I might be paying.\n\nChannel 0: Yes. Yeah.\n\nChannel 1: Yeah. No. I've never had that before. And and and someone's got all these bills, so she she gets, like, $5,000 tax bill. And normally, I I actually get a credit.\n\nAnd some reason, they've gone after me, making me pay all this money. That's that's just crazy. But yeah.\n\nChannel 0: Yeah.\n\nChannel 1: So they're actually\n\nChannel 0: No. That's\n\nChannel 1: yeah.\n\nChannel 0: okay. Alright. So are we in agreeance? Are you wanting to put $10 into each of your funds?\n\nChannel 1: Well, that's what yeah. I I also actually done yeah. So you're putting around each one. Yes.\n\nChannel 0: Yeah. And, like and we can we we do it in a tax effective way. I will double check to make sure that we can definitely do that. I believe that we should be fine. We're not gonna affect any of the caps or anything like that that we have to consider.\n\nBut what I'll do is I can email you today with the contribution details for both of the accounts and the\n\nChannel 1: Yep.\n\nChannel 0: methodology on how it's it's literally just a bank transfer.\n\nChannel 1: Okay.\n\nChannel 0: And once that\n\nChannel 1: Yeah.\n\nChannel 0: money goes in, what I will do is I'll submit what's called a notice of intention to claim. So it's just a specific form that I'll submit. And I will when I get the receipt, it's basically a tax receipt. When I get that tax receipt back, I will email it to you so that way you can give it to your accountant.\n\nChannel 1: Okay.\n\nChannel 0: Okay? And it just becomes basically something that you claim on your tax return.\n\nChannel 1: Yeah. Yep. And I'll probably just tell the phone number in front of me if you wanna.\n\nChannel 0: Yeah. Is it the 0732098242?\n\nChannel 1: Yes. That's the one.\n\nChannel 0: Cool. Just making sure that we have the same business.\n\nChannel 1: Yep.\n\nChannel 0: I'm gonna see if I his email address is on his website. If it is, I'll cc him into the email when I send the tax statements. Okay?\n\nChannel 1: Yep.\n\nChannel 0: So that way he automatically has them.\n\nChannel 1: Yes. Yeah. Because\n\nChannel 0: Save\n\nChannel 1: I\n\nChannel 0: you\n\nChannel 1: think\n\nChannel 0: a step.\n\nChannel 1: yeah. I can't I think it was 505,000 that we sold the house. I don't think she even got the bloody bill. Yeah. I think it was 505.\n\nChannel 0: $5.00 5. Yep.\n\nChannel 1: Yeah.\n\nChannel 0: Alright. So it was about $5.00 5, and then you obviously had the the two mortgages. So Jordan Street still has a mortgage, but Ormo\n\nChannel 1: Yeah.\n\nChannel 0: and Richlands?\n\nChannel 1: Yeah. All the houses are still there set for. I wanted all my gone, and I wanted 50 gone, but they wouldn't they they stopped all that up, and they said, oh, no. No. The $400 is going off the $700,000 loan.\n\nSo she's now down to 300,000.\n\nChannel 0: Okay.\n\nChannel 1: And\n\nChannel 0: 3\n\nChannel 1: then\n\nChannel 0: 100.\n\nChannel 1: they left us\n\nChannel 0: Okay.\n\nChannel 1: a 100,000, and that by the time we paid all these bills off around the end of $40.\n\nChannel 0: Yeah. Yeah. It doesn't take long. Okay.\n\nChannel 1: Yeah. But we are now you know, it's almost always big debts are gone. It's just now the houses.\n\nChannel 0: Yeah. Yeah. You've been you've been able to and and look. What like, the housing loans are have dropped as well. If you refinance, you can always shift the mortgages over to the investment properties, and you can sort of reshuffle where all the mortgages sit as well.\n\nChannel 1: Yes.\n\nChannel 0: So are you happy going through the lender that you're looking at going through, or do you want me to connect you to my broker?\n\nChannel 1: Well, if you can give a better rate, there's yeah. They're offering less than a BOQ. And so you well, who it? Oh, so so I can't even go on the Internet. Some reason why I it's called a Broken Hill Bank.\n\nIt's never in New South Wales. Some reason my AirPods were playing it before, and I couldn't go on the AirPods. Try\n\nChannel 0: No. That's\n\nChannel 1: again.\n\nChannel 0: okay. Okay. Broken Hill Bank. Alright. I'll have a look at what their rates\n\nChannel 1: Yeah.\n\nChannel 0: are\n\nChannel 1: Okay.\n\nChannel 0: and\n\nChannel 1: Yeah. Try it again. My name's open here.\n\nChannel 0: Alright. They're looking about 5.94%. That's the home\n\nChannel 1: No.\n\nChannel 0: loan.\n\nChannel 1: What was that?\n\nChannel 0: So\n\nChannel 1: Oh, it was the upper casing. So that was yeah. They they sent me a comment. Yeah. Must be yeah.\n\nI know it's cheaper than a a b o two.\n\nChannel 0: Okay.\n\nChannel 1: It doesn't actually say here in the in the email. Oh, here it is. 583. Oh,\n\nChannel 0: 583.\n\nChannel 1: five point seven 9. Yeah. 579.\n\nChannel 0: Five point 7. Okay.\n\nChannel 1: Yeah.\n\nChannel 0: Alright. No. That's cool. Alright. Well, I I'm happy.\n\nI can I can connect you to my broker so she can have a shop around for you as well,\n\nChannel 1: Yeah.\n\nChannel 0: unless you just wanna go ahead with Broken Hill?\n\nChannel 1: Well, here I'll just go here every second. That's right.\n\nChannel 0: Yeah. Alright. So it's 5.7\n\nChannel 1: Nine.\n\nChannel 0: 9.\n\nChannel 1: Yeah.\n\nChannel 0: Cool. So 5\n\nChannel 1: Yeah.\n\nChannel 0: 079, and I will, let her know that that's what it is. You you said you're going back to work now, so you're you're at work\n\nChannel 1: I'm\n\nChannel 0: for\n\nChannel 1: at\n\nChannel 0: the next\n\nChannel 1: I'm at work now. Yes. For three weeks.\n\nChannel 0: okay. Cool. For three weeks. Well, she'll be able to connect to you with you via email anyway.\n\nChannel 1: Yes.\n\nChannel 0: She\n\nChannel 1: Yes.\n\nChannel 0: she can\n\nChannel 1: Yeah.\n\nChannel 0: obviously call you.\n\nChannel 1: Yes.\n\nChannel 0: But what I'll do is I'll email her. Her name is Brooke. Get her to have a look at everything. I'll adjust the loan rates down to what we stipulated so that the 700 pump has come down to about three and provide her with that information. And then, obviously, ask is gone.\n\nChannel 1: Yes.\n\nChannel 0: And I'll email you with the details to do with how to make the contributions into both of your accounts.\n\nChannel 1: Yep. Okay. Because that's\n\nChannel 0: Perfect.\n\nChannel 1: what I I can't\n\nChannel 0: Alright.\n\nChannel 1: remember with I'm pretty sure I told Peter that it was $50.50 loan. I can't remember those. Because the house got sold and not sold and not like, since last year.\n\nChannel 0: Yeah. It bounced\n\nChannel 1: It's\n\nChannel 0: back\n\nChannel 1: four\n\nChannel 0: and forward\n\nChannel 1: times.\n\nChannel 0: just in time.\n\nChannel 1: Yeah. Four times it fell through.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: So if it if, yeah, if it's $56,000, then then that's okay. Do you I I have all the details here anyway. I'll I'll have a look, and I'll do the math on what you bought for, what you sold for, and everything like that, and I'll go from there. So\n\nChannel 1: Yep.\n\nChannel 0: that's okay.\n\nChannel 1: Okay.\n\nChannel 0: I'll have a look.\n\nChannel 1: No\n\nChannel 0: But\n\nChannel 1: worries.\n\nChannel 0: I'll get an email to you this afternoon. Alright?\n\nChannel 1: Yep. Okay. No worries. Thank you.\n\nChannel 0: Okay. Perfect. No. Absolutely, Lindsay. Anytime\n\nChannel 1: Okay.\n\nChannel 0: at all.\n\nChannel 1: Alrighty. Okay.\n\nChannel 0: Bye.\n\nChannel 1: Bye.\n\nChannel 0: Bye.\n\nChannel 1: Bye. Bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.28,"end":1.78,"sentiment":"neutral","sentiment_score":0.05686289072036743}],"sentiment":"neutral","sentiment_score":0.05686289072036743,"channel":1,"num_words":1,"start":1.28,"end":1.78},{"sentences":[{"text":"Hi, Lindsay.","start":2.8,"end":3.76,"sentiment":"neutral","sentiment_score":0.2046179622411728},{"text":"Larissa here.","start":3.76,"end":4.48,"sentiment":"neutral","sentiment_score":0.22924894839525223},{"text":"How are you going?","start":4.48,"end":5.2999997,"sentiment":"neutral","sentiment_score":0.29162076115608215},{"text":"That's good.","start":7.12,"end":7.7599998,"sentiment":"positive","sentiment_score":0.6455376744270325},{"text":"Sorry that I had to push you back an hour.","start":7.7599998,"end":9.84,"sentiment":"neutral","sentiment_score":-0.20649679899215698}],"sentiment":"neutral","sentiment_score":0.06301621124148368,"channel":0,"num_words":20,"start":2.8,"end":9.84},{"sentences":[{"text":"How how is everything going for you?","start":9.84,"end":11.86,"sentiment":"neutral","sentiment_score":0.11701764804976326}],"sentiment":"neutral","sentiment_score":0.11701764804976326,"channel":0,"num_words":7,"start":9.84,"end":11.86},{"sentences":[{"text":"Yeah.","start":12.4,"end":12.799999,"sentiment":"neutral","sentiment_score":0.04296797513961792},{"text":"Just going back to work after the holiday, so yes.","start":12.799999,"end":15.105,"sentiment":"neutral","sentiment_score":0.059770962595939635}],"sentiment":"neutral","sentiment_score":0.05824341828172857,"channel":1,"num_words":11,"start":12.4,"end":15.105},{"sentences":[{"text":"Oh, no.","start":17.175,"end":17.994999,"sentiment":"neutral","sentiment_score":-0.02709709107875824},{"text":"I mean, 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and Larissa discuss their property sale and suggest reaching out to the accountant for an estimate of gains and refinancing. They discuss the gain and the possibility of refinancing. The customer is interested in refinancing solar panels and discusses their credit card debt and home and solar panels. The agent explains the process of submitting a notice of intention to claim and discusses the possibility of switching mortgages and transferring money to the super fund. The agent explains the process of submitting a notice of intention and provides information on contributions to both accounts."},"intents":{"segments":[{"text":"So the more you put into your superannuation right now in respect to tax minimization strategies, the better off we would come.","start_word":164,"end_word":185,"intents":[{"intent":"Evaluate tax minimization strategies","confidence_score":0.041837446}]},{"text":"Is it the one S you s. own? Yeah.","start_word":332,"end_word":340,"intents":[{"intent":"Confirm property ownership","confidence_score":0.12340589},{"intent":"Confirm ownership","confidence_score":0.25124246}]},{"text":"So if we sold s, if it's 56,000, was that 56,000 total? Is that 56,000 each?","start_word":364,"end_word":379,"intents":[{"intent":"Inquire about total amount","confidence_score":0.0027367128}]},{"text":"It was so long ago, and I I thought it was she altogether, I think, but I'm not sure. Because Okay.","start_word":392,"end_word":412,"intents":[{"intent":"Report miscommunication","confidence_score":0.0000015605596}]},{"text":"Do you know what your accountant's details are? yes.","start_word":413,"end_word":421,"intents":[{"intent":"Verify account details","confidence_score":0.04787184}]},{"text":"So what I can do is I can I can reach out to Peter? And get the information from him. Email from you saying that you're happy to release information. Yep.","start_word":468,"end_word":498,"intents":[{"intent":"Request information","confidence_score":0.13277423}]},{"text":"So what I can do is I can I can reach out to Peter? And get the information from him. Email from you saying that you're happy to release information. Yep. But I can send an email through CCU in so that way, you know, there's a a link and everything. And I can just find out what the gain is.","start_word":468,"end_word":528,"intents":[{"intent":"Transfer email","confidence_score":0.00016587118}]},{"text":"Can I ask, when we sold, how much money do we have in liquid cash now? Well, only about 40,000.","start_word":529,"end_word":548,"intents":[{"intent":"Ask about cash balance","confidence_score":0.003998585}]},{"text":"So when we're refinancing, are we planning on pulling some from the equity to leave us with a bit of cash flow, or are you just wanting to refinance for a better rate? I wanna go into it. Yeah.","start_word":913,"end_word":951,"intents":[{"intent":"Advising refinancing options","confidence_score":0.000025726365}]},{"text":"So how much out of the money that you have, so the $40, are you willing to put into your super fund?","start_word":955,"end_word":976,"intents":[{"intent":"Maximize super fund contributions","confidence_score":0.00034009435}]},{"text":"Because one of the things is is you're gonna end up with a CGT bill by the sounds of it, which means that you're gonna have a debt with the ATO. Yes.","start_word":1276,"end_word":1307,"intents":[{"intent":"Clarify bill payment and interest rate","confidence_score":0.00038520136},{"intent":"Discuss tax bill payment","confidence_score":0.0018458347}]},{"text":"money goes in, what I will do is I'll submit what's called a notice of intention to claim. So it's just a specific form that I'll submit. And I will when I get the receipt, it's basically a tax receipt. When I get that tax receipt back, I will email it to you so that way you can give it to your accountant. Okay.","start_word":1606,"end_word":1669,"intents":[{"intent":"Submit tax receipt","confidence_score":0.60104156}]},{"text":"And I will when I get the receipt, it's basically a tax receipt. When I get that tax receipt back, I will email it to you so that way you can give it to your accountant. Okay.","start_word":1633,"end_word":1669,"intents":[{"intent":"Email receipt","confidence_score":0.0099614225}]},{"text":"Just making sure that we have the same business. Yep.","start_word":1711,"end_word":1720,"intents":[{"intent":"Share business","confidence_score":0.0037851857}]},{"text":"I'm gonna see if I his email address is on his website. If it is, I'll cc him into the email when I send the tax statements. Okay? Yep.","start_word":1721,"end_word":1749,"intents":[{"intent":"Cct in email","confidence_score":0.0012450052},{"intent":"Send tax statements","confidence_score":0.054501265}]},{"text":"The $400 is going off the $700,000 loan. So she's now down to 300,000. Okay.","start_word":1860,"end_word":1874,"intents":[{"intent":"Check balance","confidence_score":0.011255149}]},{"text":"a 100,000, and that by the time we paid all these bills off around the end of $40. Yeah. Yeah. It doesn't take long. Okay. Yeah. But we are now you know, it's almost always big debts are gone. It's just now the houses. Yeah.","start_word":1884,"end_word":1928,"intents":[{"intent":"Discussing debts","confidence_score":0.0012825653}]},{"text":"So are you happy going through the lender that you're looking at going through, or do you want me to connect you to my broker?","start_word":1976,"end_word":2000,"intents":[{"intent":"Considering options","confidence_score":0.017873079}]},{"text":"So are you happy going through the lender that you're looking at going through, or do you want me to connect you to my broker? Well, if you can give a better rate, there's yeah. They're offering less than a BOQ. And so you well, who it?","start_word":1976,"end_word":2022,"intents":[{"intent":"Confirming information","confidence_score":0.036253445}]},{"text":"That's cool. Alright. Well, I I'm happy.","start_word":2169,"end_word":2175,"intents":[{"intent":"Expressing satisfaction","confidence_score":0.16195491}]}]},"sentiments":{"segments":[{"text":"Hello? Hi, Lindsay. Larissa here. How are you going?","start_word":0,"end_word":8,"sentiment":"neutral","sentiment_score":0.22094997763633728},{"text":"That's good.","start_word":9,"end_word":10,"sentiment":"positive","sentiment_score":0.6517403721809387},{"text":"Sorry that I had to push you back an hour. How how is everything going for you? Yeah. Just going back to work after the holiday, so yes. Oh, no. I mean, yay, but no. So the thing let me know, you were you sold Yes. Yes. sold property, and you were you talked to the accountant and wanted to look at a a contribution strategy around making Yes. Yeah. He Yeah. said he said, I think, $10, and I'll get maybe 6,000 off my tax. I don't really what that means. Yep. So is No. that That's really okay. worth yeah. I just wanna see if it's worth putting all this money into me super or not because yeah.","start_word":11,"end_word":130,"sentiment":"neutral","sentiment_score":0.016821127384901047},{"text":"Well, I mean, realistically, for yourself, it's really good, really.","start_word":131,"end_word":140,"sentiment":"positive","sentiment_score":0.3900740444660187},{"text":"Purely and simply, like, as of next year, in the August, you hit 60. So at that point, your super becomes tax free. So the more you put into your superannuation right now in respect to tax minimization strategies, the better off we would come. Did the accountant give you an indication as to what the capital gain was? Well, you said they're around about 56,000, but then the the price changed a bit, but if we sold it for 500,000, roughly. So But there's one of two ways that I can do this. I can do up an yeah. estimated calculation. It's not gonna be anywhere near as good as the as the accountant. If the accountant's already done the math, I can reach out to the accountant and get the math from him. Right. And But then he the question he says yeah. He says 50 Sorry? 6,000. Yeah. 56,000 or something. 56,000 is the gain. So Yeah. there's a couple of different things that we can do. Because so 56,000 is the gain. What that means is and can I ask which property is it that we sold? Is it the one S you s. own? Yeah. S. S Me and me and cool. yeah. So me and Andy, you're right. Yeah. $50.50.","start_word":141,"end_word":356,"sentiment":"neutral","sentiment_score":0.06372250561360959},{"text":"Cool. Sweet.","start_word":357,"end_word":358,"sentiment":"positive","sentiment_score":0.5129203200340271},{"text":"Just wanted to double check. So if we sold s, if it's 56,000, was that 56,000 total? Is that 56,000 each? I think I I I see, that's the thing. I can't remember. It was so long ago, and I I thought it was she altogether, I think, but I'm not sure. Because Okay. Do you know what your accountant's details are? yes. Oh, who who the What? accountant is? Yeah. Peter Lewis account. Peter Lewis, w l e w I s. Yeah. I think so. I'll just go to find his it's been fine. Yeah. Because yeah. Pay the lowest account. So they're in 5%. Yep. Yep.","start_word":359,"end_word":466,"sentiment":"neutral","sentiment_score":0.0026395292952656746},{"text":"Perfect.","start_word":467,"end_word":467,"sentiment":"positive","sentiment_score":0.48698753118515015},{"text":"So what I can do is I can I can reach out to Peter? And get the information from him. Email from you saying that you're happy to release information. Yep. But I can send an email through CCU in so that way, you know, there's a a link and everything. And I can just find out what the gain is. Can I ask, when we sold, how much money do we have in liquid cash now? Well, only about 40,000. The the BHE Bank are paying in the living whatever, and they end up taking most of the money and taking it off a loan. And I wanted more cash, and they said, no. No. You can't afford and all sort of bull, but then they they actually didn't realize we own Jordan Street. And it was a total stuff up. They said, oh, do you still own Number 5 Jordan Street? And I said, no. It's not Number 5. It's 91 or whatever it is. So they Yep. had every stuffed up. And then in the end, I wanted two of my loans paid off. The the house had almost paid off and, Flipped and paid off because they're a 100,000 each. And then Yep. you're not putting the $400 on, the the the four house loans to give them. Okay. So they ended up they ended up taking the profit Yeah.","start_word":468,"end_word":701,"sentiment":"neutral","sentiment_score":-0.043204078665719584},{"text":"and putting it all against the properties.","start_word":702,"end_word":708,"sentiment":"negative","sentiment_score":-0.3939685821533203},{"text":"Yeah. Yeah. And then you left us about a $100. But by the time you paid lawyer fees and all that, we end up only and I paid off the solar loan, and I paid off the credit Yep. card, and I paid Yep. off the other credit card debt, so they're all paid off. Gone. Yep. Which is exactly But what but we say we were gonna do. yeah. But I've only got $40 left, and, you know, we wanted some money in the bank as well.","start_word":709,"end_word":796,"sentiment":"neutral","sentiment_score":-0.13111096620559692},{"text":"So it's just we we don't have enough money to pay a couple of grand states.","start_word":797,"end_word":812,"sentiment":"negative","sentiment_score":-0.3373258411884308},{"text":"Yep. Okay. And yeah. Wow. So Alright. and I I wanna refinance away from BOQ because it really paid me off. And that, Broken Hill Bank are offering a really good discount at the moment on the interest rates. And and that's who I had to pursue the solar loan through, some solar battery. Yep. So they want me that they can do me a way better deal. So if I do that, I'll I'll refinance and we'll be a lot better off. Yep. Okay. But for now, we have we only have $40. Yeah. That $40. Yes. Okay. Alright. So when we're refinancing, are we planning on pulling some from the equity to leave us with a bit of cash flow, or are you just wanting to refinance for a better rate? I wanna go into it. Yeah. Okay. Alright. So how much out of the money that you have, so the $40, are you willing to put into your super fund? Because realistically for you, it's gonna be locked away For for twelve months. a better You can't rate. touch it. Yes. Whereas and then for Anne, we lost weight for a little bit longer, obviously. Yes. A lot a lot longer. Yes. Yes. So, yeah, the So maximum is probably $20, but I just, you know, I just I know that I'm not gonna lose it. If I don't do, I'm gonna lose some more money off yeah. my cap. So it's just I know I'm not gonna lose it, but it's gonna go into the super. Yeah. So there's there's basically one of two avenues that we can do. If you only wanna put $20 in total, then we can just put 10 into each of them, and I can just help you make that contribution.","start_word":813,"end_word":1112,"sentiment":"neutral","sentiment_score":0.06558984644711018},{"text":"That's nice Got and easy.","start_word":1113,"end_word":1117,"sentiment":"positive","sentiment_score":0.6858466267585754},{"text":"it. Okay. We need to move soon, like, within the next week because Yes. we're coming up to Yes. the end of financial year, Yes. or I can reach out to your account and find out exactly all of the figures, and we can put as much as possible. But, obviously, we only have $40 to pay with anyway. Yes. Yep. Don't get me wrong. So The yeah. more we put in, the better off you are. But Yeah. So I wanna have some I wanna have, you know, money left over just to you know, so we don't have to worry about paying the bills, whatever. Yeah. Just have, you know, at least $10 there just to have because, you know, obviously, I've got the credit card paid off. There's Yeah. $15 there. Well, we just don't wanna use that credit card anymore. That's gone because it's there for emergency zone. Measures it over. Yeah. Okay. Because one of the things is is you're gonna end up with a CGT bill by the sounds of it, which means that you're gonna have a debt with the ATO. Yes. And I've already got Okay. debt I've already got debt to the ACO anyhow. I'm still paying off. Yeah. Yeah. I'm I'm paying off. Yeah. Loan and and paying the ATO off because the ATO interest rate is gonna be a lot higher than your personal mortgage rate. Yeah. Well, at the moment, they're not charging me any interest. We're paying off everything. There's no interest.","start_word":1118,"end_word":1372,"sentiment":"neutral","sentiment_score":0.022897777574903824},{"text":"Good. I think we're good.","start_word":1373,"end_word":1377,"sentiment":"positive","sentiment_score":0.4915956556797027},{"text":"Yeah. So Anne Anne's got a bill, I think, 5 or 6,000. She's paying off, and I'm paying off. But so my what I'm paying off is is not even a bill. It's it's it's they're charging me that what tax I might be paying. Yes. Yeah. Yeah. No. I've never had that before. And and and someone's got all these bills, so she she gets, like, $5,000 tax bill. And normally, I I actually get a credit.","start_word":1378,"end_word":1455,"sentiment":"neutral","sentiment_score":-0.2168937772512436},{"text":"And some reason, they've gone after me, making me pay all this money. That's that's just crazy.","start_word":1456,"end_word":1472,"sentiment":"negative","sentiment_score":-0.5503712892532349},{"text":"But yeah. Yeah. So they're actually No. That's yeah. okay. Alright. So are we in agreeance? Are you wanting to put $10 into each of your funds? Well, that's what yeah. I I also actually done yeah. So you're putting around each one. Yes. Yeah. And, like and we can we we do it in a tax effective way. I will double check to make sure that we can definitely do that.","start_word":1473,"end_word":1544,"sentiment":"neutral","sentiment_score":0.08214912563562393},{"text":"I believe that we should be fine.","start_word":1545,"end_word":1551,"sentiment":"positive","sentiment_score":0.4256417155265808},{"text":"We're not gonna affect any of the caps or anything like that that we have to consider. But what I'll do is I can email you today with the contribution details for both of the accounts and the Yep. methodology on how it's it's literally just a bank transfer. Okay. And once that Yeah. money goes in, what I will do is I'll submit what's called a notice of intention to claim. So it's just a specific form that I'll submit. And I will when I get the receipt, it's basically a tax receipt. When I get that tax receipt back, I will email it to you so that way you can give it to your accountant. Okay. Okay? And it just becomes basically something that you claim on your tax return. Yeah. Yep. And I'll probably just tell the phone number in front of me if you wanna. Yeah. Is it the 0732098242? Yes. That's the one.","start_word":1552,"end_word":1709,"sentiment":"neutral","sentiment_score":0.12204259248521132},{"text":"Cool. Just making sure that we have the same business.","start_word":1710,"end_word":1719,"sentiment":"positive","sentiment_score":0.4089604318141937},{"text":"Yep. I'm gonna see if I his email address is on his website. If it is, I'll cc him into the email when I send the tax statements. Okay? Yep. So that way he automatically has them. Yes. Yeah. Because Save I you think a step. yeah.","start_word":1720,"end_word":1766,"sentiment":"neutral","sentiment_score":0.1645762026309967},{"text":"I can't I think it was 505,000 that we sold the house. I don't think she even got the bloody bill.","start_word":1767,"end_word":1787,"sentiment":"negative","sentiment_score":-0.4375746846199035},{"text":"Yeah. I think it was 505. $5.00 5. Yep. Yeah. Alright. So it was about $5.00 5, and then you obviously had the the two mortgages. So Jordan Street still has a mortgage, but Ormo Yeah. and Richlands? Yeah. All the houses are still there set for. I wanted all my gone, and I wanted 50 gone, but they wouldn't they they stopped all that up, and they said, oh, no.","start_word":1788,"end_word":1858,"sentiment":"neutral","sentiment_score":-0.14161013066768646},{"text":"No. The $400 is going off the $700,000 loan.","start_word":1859,"end_word":1867,"sentiment":"negative","sentiment_score":-0.3778695464134216},{"text":"So she's now down to 300,000. Okay. And 3 then 100. they left us Okay. a 100,000, and that by the time we paid all these bills off around the end of $40. Yeah. Yeah. It doesn't take long. Okay. Yeah. But we are now you know, it's almost always big debts are gone. It's just now the houses. Yeah. Yeah. You've been you've been able to and and look. What like, the housing loans are have dropped as well. If you refinance, you can always shift the mortgages over to the investment properties, and you can sort of reshuffle where all the mortgages sit as well. Yes. So are you happy going through the lender that you're looking at going through, or do you want me to connect you to my broker? Well, if you can give a better rate, there's yeah. They're offering less than a BOQ. And so you well, who it? Oh, so so I can't even go on the Internet. Some reason why I it's called a Broken Hill Bank. It's never in New South Wales. Some reason my AirPods were playing it before, and I couldn't go on the AirPods. Try No. That's again. okay. Okay. Broken Hill Bank. Alright. I'll have a look at what their rates Yeah. are Okay. and Yeah. Try it again. My name's open here. Alright. They're looking about 5.94%. That's the home No. loan. What was that? So Oh, it was the upper casing. So that was yeah. They they sent me a comment. Yeah. Must be yeah. I know it's cheaper than a a b o two. Okay. It doesn't actually say here in the in the email. Oh, here it is. 583. Oh, 583. five point seven 9. Yeah. 579. Five point 7. Okay. Yeah. Alright. No. That's cool. Alright.","start_word":1868,"end_word":2171,"sentiment":"neutral","sentiment_score":-0.009025994746097192},{"text":"Well, I I'm happy.","start_word":2172,"end_word":2175,"sentiment":"positive","sentiment_score":0.4499663710594177},{"text":"I can I can connect you to my broker so she can have a shop around for you as well, Yeah. unless you just wanna go ahead with Broken Hill? Well, here I'll just go here every second. That's right. Yeah. Alright. So it's 5.7 Nine. 9. Yeah. Cool. So 5 Yeah. 079, and I will, let her know that that's what it is. You you said you're going back to work now, so you're you're at work I'm for at the next I'm at work now. Yes. For three weeks.","start_word":2176,"end_word":2266,"sentiment":"neutral","sentiment_score":0.08856502175331116},{"text":"okay. Cool.","start_word":2267,"end_word":2268,"sentiment":"positive","sentiment_score":0.4046924114227295},{"text":"For three weeks. Well, she'll be able to connect to you with you via email anyway. Yes. She Yes. she can Yeah. obviously call you. Yes. But what I'll do is I'll email her. Her name is Brooke. Get her to have a look at everything. I'll adjust the loan rates down to what we stipulated so that the 700 pump has come down to about three and provide her with that information. And then, obviously, ask is gone. Yes. And I'll email you with the details to do with how to make the contributions into both of your accounts. Yep. Okay. Because that's Perfect. what I I can't Alright. remember with I'm pretty sure I told Peter that it was $50.50 loan. I can't remember those. Because the house got sold and not sold and not like, since last year. Yeah. It bounced It's back four and forward times. just in time. Yeah. Four times it fell through. Yeah. Yeah. So if it if, yeah, if it's $56,000, then then that's okay. Do you I I have all the details here anyway. I'll I'll have a look, and I'll do the math on what you bought for, what you sold for, and everything like that, and I'll go from there. So Yep. that's okay. Okay. I'll have a look. No But worries. I'll get an email to you this afternoon. Alright? Yep. Okay. No worries.","start_word":2269,"end_word":2504,"sentiment":"neutral","sentiment_score":0.03596909508361655},{"text":"Thank you. Okay. Perfect.","start_word":2505,"end_word":2508,"sentiment":"positive","sentiment_score":0.5298510789871216},{"text":"No.","start_word":2509,"end_word":2509,"sentiment":"neutral","sentiment_score":0.12306899577379228},{"text":"Absolutely, Lindsay.","start_word":2510,"end_word":2511,"sentiment":"positive","sentiment_score":0.42390525341033936},{"text":"Anytime Okay. at all. Alrighty. Okay. Bye. Bye. Bye. Bye. Bye. Bye.","start_word":2512,"end_word":2523,"sentiment":"neutral","sentiment_score":0.15256506204605105}],"average":{"sentiment":"neutral","sentiment_score":0.017036802342795747}}}}