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You sound like you've you well, you you were having a bit of a day this morning. Bit busy. I'm all about talking quick. Perfect. So the whole point of my call today was, I guess, to just clarify a few details and from an advice perspective, just gain a little bit of an insight as to where and which direction you would wanna, like, head. So as I understand, we are currently like, we we have the the two investment properties. We have the residential and then we have the commercial. And then you're renting at the moment, if I'm not mistaken. Perfect. And then with with renting the whole like, I guess, moving forward, what we want to be able to do is end up buying a PPR or a primary price place of residence as well as the two investment properties. Cool. Would you ever move into, like, the residential investment or not interested in where it's located? Yeah. Alright. No. That that's okay. Just I guess it gives me parameters as to where you would want to head if you had to. So that's okay. Now with that, those those properties, the intention is to retain them. We're not looking to sell them anytime soon. We wanna keep them and have them as income moving forward. Yep. So the commercial properties, net negative. Okay. And do when does the okay. It's leveraged against it. Okay. No. That's okay. But no current desire to sell them. They're just standing properties at the moment. Okay. No. That's perfect. Okay. So in terms of, I guess, savings and and what you're putting away, are we are we saving anything at the moment, or is everything kinda going to our expenses, the properties, just general living? Cool. But anything, like, into, like, our, like, our our bank account as, like, a a little nest egg for ourselves for, say, a deposit for a home? Okay. Okay. Alright. So 400 a week that we put into through, but that's okay. And I guess outside of that, I know that you're wanting to make sure that you do keep yourself out of your car. So I I I wanna sort of make sure that you are, like, secure in the current home that you're renting. Yeah. Cool. Cool. No. That's good. Fair enough. So for the last couple of decades, because the the kids are older now, you've built yourself from that to where you are now. You've done well. I got a husband who needs them sometimes. Alright. So at the moment, I guess, we're focusing very much on the business. When we stop working, we wanna have a secure home that we can call a base, but we wanna be able to travel. You wanna just, I guess, have security in knowing that you can cover the basic bills, have that that trip away each year. But, otherwise, just live sort of, I guess, a comfortable standard life. Nothing too extravagant or crazy. Alright. Cool. And with your current, like, business, obviously, you stop working, the business stops. Amazing way. We don't have anyone else in the business that we work with? Nope. Alright. Amazing. So with respect to insurance outside of, I guess, business insurance, do you find, like, personal insurance something that's gonna be important for you being that if you aren't able to work, your income would cease? K. And then liquidate the properties as well. Yep. Okay. No. That's okay. Cool. So you're comfortable to to to liquidate everything and if the that event if that actually eventuated. So that's that's okay there. Alright. Perfect. So I guess outside of that, our main focus is just kind of building where your current superannuation is and seeing whether we can, I guess, better align its current investments to be in a position to actually garner you more of an income for your retirement and then what your assets may look like for you to actually retire on? Now as I understand, we're not looking to retire for a for a while now. Is 67 the actual age you're looking to retire at, or is that just an age that you believe is retirement age? Yeah. No. That's okay. Cool. Because a lot of people get confused about retirement age and, like, age that they can retire because, theoretically, anyone can retire at any way age, providing they could actually support themselves. Superannuation is accessible from 60 with some caveats, 65 with no caveats placed to it, and 67 is the age that the age pension becomes available from Centrelink, which is what a lot of people, I guess, hang their hat on as the the retirement age. But if you're comfortable with 67, obviously, if it changes or if life, you know, gives us a curveball or two, we can always sort of maneuver within that. But that sounds that's perfectly acceptable on that front. Because we are pushing closer to 60, would you ever consider using your superannuation balance to pay off as an exit strategy to a mortgage on a primary residence knowing that you would then be living solely on government pension? Yes. Because, like, theoretically, like, if you were to get get a home, you're looking at standard, generally, a thirty year mortgage. Obviously, you can drop it to twenty five, twenty, ten years, but, obviously, you have to make the repayments on that that kind of mortgage. So what a lot of mortgage brokers or lenders are looking for is kind of an exit strategy. So you have the assets that you currently hold being the two investment properties. They could be an exit strategy for that primary residence mortgage whereby one of those would get liquidated upon you retiring. It would get sold, pay off whatever debt was owed to it, and then would pay for the mortgage on your primary residence, therefore, allowing you to retire no income, debt free. Or, alternatively, sometimes what the lender will do is kind of hang their hat on the fact that, well, you have the asset available of your superannuation fund that can be utilized to pay for that mortgage in the event that you did retire. Because, generally, they don't like projecting out a mortgage further than 75, which would which would kind of hamstring you into kind of, you know, a seventeen year mortgage time frame, which is quite a short mortgage that would, you know, require on the residential, yeah, I saw that a 100 and 107. So you've you've got quite a lot of equity within that property, which is good. That could definitely go towards paying for the majority of a of a home, which is which is nice. But, yes, I guess it's just about sort of, I guess, thinking about the the exit strategy position of purchasing another home. Because definitely the the equity that you hold within that property could go towards a deposit to allow you to buy, but age and ongoing income is definitely a factor in that in that realm. Are you wanting to sort of, I guess, move on a on a property for yourself soonish? No. It's just something that you wanna do, but it's not something you're immediately open to. Okay. No. That's okay. Alright. So what we can do is we can focus solely or more heavily on, like, the superannuation side of things right now. And then I guess as, you know, in the future as we move along, we can definitely open up to, I guess, other strategies with respect to possible liquidation of assets like the properties to purchase you that PPR or or, you know, look at how we can get you into that that primary place. So that way you're you're comfortable and and settled and you don't have that, you know, you don't have rent coming out or anything like that. You you have your own home to call yours as we move through. Okay? But but what I'll do is I'll now that I guess I've I just I know a couple of those extra little tidbit information and and bits and pieces. I will take that away, and I'm gonna have a look at the superannuation side of things because I know you certainly have your funds with rest. I'll have a look at at that, tear apart where you currently sit with your investments inside rest and see what I can't come up with outside within, you know, alternative avenues available to you to to make sure that we can get you where we need to go to to ensure that you have an income. Because I know you were looking at sort of, like, a thousand dollars a week. So for sort of keeping your same kind of income now within your retirement. Okay? Alright. Perfect. So I'll have a look at that. And I know you're busy, so I wanna sort of, I guess, schedule a time that works for you. When would be the best time to call next week? No. That's yeah. Yeah. Nope. Totally fair. Okay. Well, I'll I'll give you a call midweek next week and see how we land, and and we can see see how we go from there. Okay? Not a problem. Thanks, Catherine, for giving me a callback. Bye. Have a good one. 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Yes. Sorry, Catherine. I'm not sure what happened just then. Yeah.\n\nSo the answer the call picked up, and there was just nothing on the other end. How's your day going? You sound like you've you well, you you were having a bit of a day this morning. Bit busy. I'm all about talking quick.\n\nPerfect. So the whole point of my call today was, I guess, to just clarify a few details and from an advice perspective, just gain a little bit of an insight as to where and which direction you would wanna, like, head. So as I understand, we are currently like, we we have the the two investment properties. We have the residential and then we have the commercial. And then you're renting at the moment, if I'm not mistaken.\n\nPerfect. And then with with renting the whole like, I guess, moving forward, what we want to be able to do is end up buying a PPR or a primary price place of residence as well as the two investment properties. Cool. Would you ever move into, like, the residential investment or not interested in where it's located? Yeah.\n\nAlright. No. That that's okay. Just I guess it gives me parameters as to where you would want to head if you had to. So that's okay.\n\nNow with that, those those properties, the intention is to retain them. We're not looking to sell them anytime soon. We wanna keep them and have them as income moving forward. Yep. So the commercial properties, net negative.\n\nOkay. And do when does the okay. It's leveraged against it. Okay. No.\n\nThat's okay. But no current desire to sell them. They're just standing properties at the moment. Okay. No.\n\nThat's perfect. Okay. So in terms of, I guess, savings and and what you're putting away, are we are we saving anything at the moment, or is everything kinda going to our expenses, the properties, just general living? Cool. But anything, like, into, like, our, like, our our bank account as, like, a a little nest egg for ourselves for, say, a deposit for a home?\n\nOkay. Okay. Alright. So 400 a week that we put into through, but that's okay. And I guess outside of that, I know that you're wanting to make sure that you do keep yourself out of your car.\n\nSo I I I wanna sort of make sure that you are, like, secure in the current home that you're renting. Yeah. Cool. Cool. No.\n\nThat's good. Fair enough. So for the last couple of decades, because the the kids are older now, you've built yourself from that to where you are now. You've done well. I got a husband who needs them sometimes.\n\nAlright. So at the moment, I guess, we're focusing very much on the business. When we stop working, we wanna have a secure home that we can call a base, but we wanna be able to travel. You wanna just, I guess, have security in knowing that you can cover the basic bills, have that that trip away each year. But, otherwise, just live sort of, I guess, a comfortable standard life.\n\nNothing too extravagant or crazy. Alright. Cool. And with your current, like, business, obviously, you stop working, the business stops. Amazing way.\n\nWe don't have anyone else in the business that we work with? Nope. Alright. Amazing. So with respect to insurance outside of, I guess, business insurance, do you find, like, personal insurance something that's gonna be important for you being that if you aren't able to work, your income would cease?\n\nK. And then liquidate the properties as well. Yep. Okay. No.\n\nThat's okay. Cool. So you're comfortable to to to liquidate everything and if the that event if that actually eventuated. So that's that's okay there. Alright.\n\nPerfect. So I guess outside of that, our main focus is just kind of building where your current superannuation is and seeing whether we can, I guess, better align its current investments to be in a position to actually garner you more of an income for your retirement and then what your assets may look like for you to actually retire on? Now as I understand, we're not looking to retire for a for a while now. Is 67 the actual age you're looking to retire at, or is that just an age that you believe is retirement age? Yeah.\n\nNo. That's okay. Cool. Because a lot of people get confused about retirement age and, like, age that they can retire because, theoretically, anyone can retire at any way age, providing they could actually support themselves. Superannuation is accessible from 60 with some caveats, 65 with no caveats placed to it, and 67 is the age that the age pension becomes available from Centrelink, which is what a lot of people, I guess, hang their hat on as the the retirement age.\n\nBut if you're comfortable with 67, obviously, if it changes or if life, you know, gives us a curveball or two, we can always sort of maneuver within that. But that sounds that's perfectly acceptable on that front. Because we are pushing closer to 60, would you ever consider using your superannuation balance to pay off as an exit strategy to a mortgage on a primary residence knowing that you would then be living solely on government pension? Yes. Because, like, theoretically, like, if you were to get get a home, you're looking at standard, generally, a thirty year mortgage.\n\nObviously, you can drop it to twenty five, twenty, ten years, but, obviously, you have to make the repayments on that that kind of mortgage. So what a lot of mortgage brokers or lenders are looking for is kind of an exit strategy. So you have the assets that you currently hold being the two investment properties. They could be an exit strategy for that primary residence mortgage whereby one of those would get liquidated upon you retiring. It would get sold, pay off whatever debt was owed to it, and then would pay for the mortgage on your primary residence, therefore, allowing you to retire no income, debt free.\n\nOr, alternatively, sometimes what the lender will do is kind of hang their hat on the fact that, well, you have the asset available of your superannuation fund that can be utilized to pay for that mortgage in the event that you did retire. Because, generally, they don't like projecting out a mortgage further than 75, which would which would kind of hamstring you into kind of, you know, a seventeen year mortgage time frame, which is quite a short mortgage that would, you know, require on the residential, yeah, I saw that a 100 and 107. So you've you've got quite a lot of equity within that property, which is good. That could definitely go towards paying for the majority of a of a home, which is which is nice. But, yes, I guess it's just about sort of, I guess, thinking about the the exit strategy position of purchasing another home.\n\nBecause definitely the the equity that you hold within that property could go towards a deposit to allow you to buy, but age and ongoing income is definitely a factor in that in that realm. Are you wanting to sort of, I guess, move on a on a property for yourself soonish? No. It's just something that you wanna do, but it's not something you're immediately open to. Okay.\n\nNo. That's okay. Alright. So what we can do is we can focus solely or more heavily on, like, the superannuation side of things right now. And then I guess as, you know, in the future as we move along, we can definitely open up to, I guess, other strategies with respect to possible liquidation of assets like the properties to purchase you that PPR or or, you know, look at how we can get you into that that primary place.\n\nSo that way you're you're comfortable and and settled and you don't have that, you know, you don't have rent coming out or anything like that. You you have your own home to call yours as we move through. Okay? But but what I'll do is I'll now that I guess I've I just I know a couple of those extra little tidbit information and and bits and pieces. I will take that away, and I'm gonna have a look at the superannuation side of things because I know you certainly have your funds with rest.\n\nI'll have a look at at that, tear apart where you currently sit with your investments inside rest and see what I can't come up with outside within, you know, alternative avenues available to you to to make sure that we can get you where we need to go to to ensure that you have an income. Because I know you were looking at sort of, like, a thousand dollars a week. So for sort of keeping your same kind of income now within your retirement. Okay? Alright.\n\nPerfect. So I'll have a look at that. And I know you're busy, so I wanna sort of, I guess, schedule a time that works for you. When would be the best time to call next week? No.\n\nThat's yeah. Yeah. Nope. Totally fair. Okay.\n\nWell, I'll I'll give you a call midweek next week and see how we land, and and we can see see how we go from there. Okay? Not a problem. Thanks, Catherine, for giving me a callback. Bye.\n\nHave a good one. Bye.","paragraphs":[{"sentences":[{"text":"Hi.","start":2.56,"end":2.8799999,"sentiment":"neutral","sentiment_score":0.033755164593458176},{"text":"Yes.","start":2.8799999,"end":3.12,"sentiment":"neutral","sentiment_score":0.04678022116422653},{"text":"Sorry, Catherine.","start":3.12,"end":3.84,"sentiment":"neutral","sentiment_score":-0.09776145219802856},{"text":"I'm not sure what happened just then.","start":3.84,"end":5.54,"sentiment":"neutral","sentiment_score":-0.22954492483820235},{"text":"Yeah.","start":7.6,"end":8.1,"sentiment":"neutral","sentiment_score":-0.006520811468362808}],"sentiment":"neutral","sentiment_score":-0.1440269003311793,"num_words":12,"start":2.56,"end":8.1},{"sentences":[{"text":"So the answer the call picked up, and there was just nothing on the other end.","start":8.48,"end":12.099999,"sentiment":"neutral","sentiment_score":-0.04329498973675072},{"text":"How's your day going?","start":14.844999,"end":15.724999,"sentiment":"neutral","sentiment_score":0.12621783092617989},{"text":"You sound like you've you well, you you were having a bit of a day this morning.","start":15.724999,"end":19.105,"sentiment":"neutral","sentiment_score":0.260141785530483},{"text":"Bit busy.","start":19.164999,"end":19.985,"sentiment":"neutral","sentiment_score":-0.21485313773155212},{"text":"I'm all about talking quick.","start":28.220001,"end":29.84,"sentiment":"neutral","sentiment_score":0.05377827174961567}],"sentiment":"neutral","sentiment_score":0.09258515739136121,"num_words":44,"start":8.48,"end":29.84},{"sentences":[{"text":"Perfect.","start":29.900002,"end":30.400002,"sentiment":"positive","sentiment_score":0.5893795490264893},{"text":"So the whole point of my call today was, I guess, to just clarify a few details and from an advice perspective, just gain a little bit of an insight as to where and which direction you would wanna, like, head.","start":31.34,"end":42.635002,"sentiment":"neutral","sentiment_score":0.2817861212462914},{"text":"So as I understand, we are currently like, we we have the the two investment properties.","start":43.815002,"end":50.295,"sentiment":"neutral","sentiment_score":0.05109811294823885},{"text":"We have the residential and then we have the commercial.","start":50.295,"end":52.395,"sentiment":"neutral","sentiment_score":0.03351262789219618},{"text":"And then you're renting at the moment, if I'm not mistaken.","start":53.43,"end":57.61,"sentiment":"neutral","sentiment_score":0.05257226966998794}],"sentiment":"neutral","sentiment_score":0.17561520977959602,"num_words":79,"start":29.900002,"end":57.61},{"sentences":[{"text":"Perfect.","start":61.35,"end":61.85,"sentiment":"positive","sentiment_score":0.3593364357948303},{"text":"And then with with renting the whole like, I guess, moving forward, what we want to be able to do is end up buying a PPR or a primary price place of residence as well as the two investment properties.","start":62.79,"end":76.965,"sentiment":"neutral","sentiment_score":0.1613735740073025},{"text":"Cool.","start":76.965,"end":77.465,"sentiment":"neutral","sentiment_score":0.23003394901752472},{"text":"Would you ever move into, like, the residential investment or not interested in where it's located?","start":78.74,"end":85.0,"sentiment":"neutral","sentiment_score":-0.0429194486932829},{"text":"Yeah.","start":92.365,"end":92.685,"sentiment":"neutral","sentiment_score":0.05134010314941406}],"sentiment":"neutral","sentiment_score":0.10862614015527701,"num_words":59,"start":61.35,"end":92.685},{"sentences":[{"text":"Alright.","start":92.685,"end":92.925,"sentiment":"neutral","sentiment_score":0.07183799892663956},{"text":"No.","start":92.925,"end":93.085,"sentiment":"neutral","sentiment_score":-0.003888063132762909},{"text":"That that's okay.","start":93.085,"end":93.725,"sentiment":"neutral","sentiment_score":0.06289455915490787},{"text":"Just I guess it gives me parameters as to where you would want to head if you had to.","start":93.725,"end":98.305,"sentiment":"neutral","sentiment_score":0.10147913349302191},{"text":"So that's okay.","start":98.365,"end":99.345,"sentiment":"neutral","sentiment_score":0.17842555046081543}],"sentiment":"neutral","sentiment_score":0.10074125188920233,"num_words":27,"start":92.685,"end":99.345},{"sentences":[{"text":"Now with that, those those properties, the intention is to retain them.","start":100.765,"end":107.200005,"sentiment":"neutral","sentiment_score":0.15042283137639365},{"text":"We're not looking to sell them anytime soon.","start":107.200005,"end":109.68,"sentiment":"neutral","sentiment_score":-0.059570417419308797},{"text":"We wanna keep them and have them as income moving forward.","start":109.68,"end":113.14,"sentiment":"neutral","sentiment_score":0.2880148955366828},{"text":"Yep.","start":124.895004,"end":125.395004,"sentiment":"neutral","sentiment_score":-0.01932152919471264},{"text":"So the commercial properties, net negative.","start":127.55,"end":129.89,"sentiment":"neutral","sentiment_score":-0.14671014497677484}],"sentiment":"neutral","sentiment_score":0.0946603181318527,"num_words":38,"start":100.765,"end":129.89},{"sentences":[{"text":"Okay.","start":135.31,"end":135.81,"sentiment":"neutral","sentiment_score":-0.010948751121759416},{"text":"And do when does the okay.","start":135.87,"end":149.885,"sentiment":"neutral","sentiment_score":-0.01785382131735484},{"text":"It's leveraged against it.","start":149.885,"end":151.825,"sentiment":"neutral","sentiment_score":-0.13303000293672085},{"text":"Okay.","start":152.85,"end":153.25,"sentiment":"neutral","sentiment_score":-0.04795907437801361},{"text":"No.","start":153.25,"end":153.41,"sentiment":"neutral","sentiment_score":-0.17022764682769775}],"sentiment":"neutral","sentiment_score":-0.06679833938296025,"num_words":13,"start":135.31,"end":153.41},{"sentences":[{"text":"That's okay.","start":153.41,"end":154.06999,"sentiment":"neutral","sentiment_score":-0.12952636182308197},{"text":"But no current desire to sell them.","start":154.61,"end":156.37,"sentiment":"neutral","sentiment_score":-0.2838883889572961},{"text":"They're just standing properties at the moment.","start":156.37,"end":158.70999,"sentiment":"neutral","sentiment_score":-0.16133511066436768},{"text":"Okay.","start":161.09,"end":161.59,"sentiment":"neutral","sentiment_score":0.11505000293254852},{"text":"No.","start":161.89,"end":162.13,"sentiment":"neutral","sentiment_score":0.06621117144823074}],"sentiment":"neutral","sentiment_score":-0.1774642248120573,"num_words":18,"start":153.41,"end":162.13},{"sentences":[{"text":"That's perfect.","start":162.13,"end":163.03,"sentiment":"neutral","sentiment_score":0.25847333669662476},{"text":"Okay.","start":163.73,"end":164.20999,"sentiment":"neutral","sentiment_score":0.12677690386772156},{"text":"So in terms of, I guess, savings and and what you're putting away, are we are we saving anything at the moment, or is everything kinda going to our expenses, the properties, just general living?","start":164.20999,"end":180.23,"sentiment":"neutral","sentiment_score":0.018955226242542266},{"text":"Cool.","start":183.89,"end":184.39,"sentiment":"neutral","sentiment_score":0.2235499620437622},{"text":"But anything, like, into, like, our, like, our our bank account as, like, a a little nest egg for ourselves for, say, a deposit for a home?","start":184.45,"end":191.43,"sentiment":"neutral","sentiment_score":0.06347231649690205}],"sentiment":"neutral","sentiment_score":0.049158469745607086,"num_words":66,"start":162.13,"end":191.43},{"sentences":[{"text":"Okay.","start":193.525,"end":194.025,"sentiment":"neutral","sentiment_score":-0.033872682601213455},{"text":"Okay.","start":200.005,"end":200.505,"sentiment":"neutral","sentiment_score":0.03618253767490387},{"text":"Alright.","start":203.94,"end":204.18,"sentiment":"neutral","sentiment_score":0.061080388724803925},{"text":"So 400 a week that we put into through, but that's okay.","start":204.18,"end":207.31999,"sentiment":"neutral","sentiment_score":0.00002670484051729242},{"text":"And I guess outside of that, I know that you're wanting to make sure that you do keep yourself out of your car.","start":209.45999,"end":220.355,"sentiment":"neutral","sentiment_score":-0.01766766040869381}],"sentiment":"neutral","sentiment_score":-0.009016986513559363,"num_words":38,"start":193.525,"end":220.355},{"sentences":[{"text":"So I I I wanna sort of make sure that you are, like, secure in the current home that you're renting.","start":220.355,"end":225.175,"sentiment":"neutral","sentiment_score":0.08001953937041219},{"text":"Yeah.","start":226.995,"end":227.39499,"sentiment":"neutral","sentiment_score":0.18623074889183044},{"text":"Cool.","start":227.39499,"end":227.635,"sentiment":"neutral","sentiment_score":0.2834952473640442},{"text":"Cool.","start":227.635,"end":227.875,"sentiment":"neutral","sentiment_score":0.20231421291828156},{"text":"No.","start":227.875,"end":228.035,"sentiment":"neutral","sentiment_score":-0.1028006225824356}],"sentiment":"neutral","sentiment_score":0.08998599653481505,"num_words":25,"start":220.355,"end":228.035},{"sentences":[{"text":"That's good.","start":228.035,"end":228.775,"sentiment":"neutral","sentiment_score":-0.03758010920137167},{"text":"Fair enough.","start":240.76001,"end":241.40001,"sentiment":"neutral","sentiment_score":-0.022212376818060875},{"text":"So for the last couple of decades, because the the kids are older now, you've built yourself from that to where you are now.","start":241.40001,"end":249.795,"sentiment":"neutral","sentiment_score":0.034018394692490496},{"text":"You've done well.","start":250.97499,"end":251.95499,"sentiment":"positive","sentiment_score":0.5225807030995687},{"text":"I got a husband who needs them sometimes.","start":254.575,"end":256.35498,"sentiment":"neutral","sentiment_score":0.19456785265356302}],"sentiment":"neutral","sentiment_score":0.09797798541302864,"num_words":39,"start":228.035,"end":256.35498},{"sentences":[{"text":"Alright.","start":259.56,"end":260.06,"sentiment":"neutral","sentiment_score":0.12874998152256012},{"text":"So at the moment, I guess, we're focusing very much on the business.","start":261.24002,"end":264.78,"sentiment":"neutral","sentiment_score":0.07500787308582893},{"text":"When we stop working, we wanna have a secure home that we can call a base, but we wanna be able to travel.","start":265.72,"end":271.82,"sentiment":"neutral","sentiment_score":0.13365282830984695},{"text":"You wanna just, I guess, have security in knowing that you can cover the basic bills, have that that trip away each year.","start":273.215,"end":279.795,"sentiment":"neutral","sentiment_score":0.20632470269565997},{"text":"But, otherwise, just live sort of, I guess, a comfortable standard life.","start":280.33502,"end":284.415,"sentiment":"neutral","sentiment_score":0.1752687661598126}],"sentiment":"neutral","sentiment_score":0.15314667692614925,"num_words":72,"start":259.56,"end":284.415},{"sentences":[{"text":"Nothing too extravagant or crazy.","start":284.415,"end":286.195,"sentiment":"neutral","sentiment_score":-0.024787767231464385},{"text":"Alright.","start":286.415,"end":286.89502,"sentiment":"neutral","sentiment_score":0.06273330003023148},{"text":"Cool.","start":286.89502,"end":287.39502,"sentiment":"neutral","sentiment_score":0.14252977073192596},{"text":"And with your current, like, business, obviously, you stop working, the business stops.","start":287.99,"end":292.65,"sentiment":"neutral","sentiment_score":-0.04171739805203218},{"text":"Amazing way.","start":294.22998,"end":295.11,"sentiment":"neutral","sentiment_score":0.23158597946166992}],"sentiment":"neutral","sentiment_score":0.0000986372205344126,"num_words":22,"start":284.415,"end":295.11},{"sentences":[{"text":"We don't have anyone else in the business that we work with?","start":295.11,"end":297.77,"sentiment":"neutral","sentiment_score":-0.007488130281368892},{"text":"Nope.","start":298.87,"end":299.35,"sentiment":"neutral","sentiment_score":-0.10816334187984468},{"text":"Alright.","start":299.35,"end":299.83,"sentiment":"neutral","sentiment_score":0.02245892584323883},{"text":"Amazing.","start":299.83,"end":300.33,"sentiment":"neutral","sentiment_score":0.08363841474056244},{"text":"So with respect to insurance outside of, I guess, business insurance, do you find, like, personal insurance something that's gonna be important for you being that if you aren't able to work, your income would cease?","start":301.845,"end":315.70502,"sentiment":"neutral","sentiment_score":-0.06590973319382304}],"sentiment":"neutral","sentiment_score":-0.048326940385296065,"num_words":51,"start":295.11,"end":315.70502},{"sentences":[{"text":"K.","start":324.41,"end":324.81,"sentiment":"neutral","sentiment_score":-0.02102494984865189},{"text":"And then liquidate the properties as well.","start":324.81,"end":327.38998,"sentiment":"neutral","sentiment_score":-0.024580179580620358},{"text":"Yep.","start":329.625,"end":329.945,"sentiment":"neutral","sentiment_score":0.027704518288373947},{"text":"Okay.","start":329.945,"end":330.42502,"sentiment":"neutral","sentiment_score":0.016271144151687622},{"text":"No.","start":330.42502,"end":330.665,"sentiment":"neutral","sentiment_score":-0.016298945993185043}],"sentiment":"neutral","sentiment_score":-0.015037226406010714,"num_words":11,"start":324.41,"end":330.665},{"sentences":[{"text":"That's okay.","start":330.665,"end":331.405,"sentiment":"neutral","sentiment_score":0.02495308220386505},{"text":"Cool.","start":331.545,"end":332.045,"sentiment":"neutral","sentiment_score":0.1551026701927185},{"text":"So you're comfortable to to to liquidate everything and if the that event if that actually eventuated.","start":332.745,"end":337.405,"sentiment":"neutral","sentiment_score":0.10589224450728472},{"text":"So that's that's okay there.","start":337.70502,"end":339.785,"sentiment":"neutral","sentiment_score":0.1306064933538437},{"text":"Alright.","start":339.785,"end":340.265,"sentiment":"neutral","sentiment_score":0.26791366934776306}],"sentiment":"neutral","sentiment_score":0.11254319720543347,"num_words":26,"start":330.665,"end":340.265},{"sentences":[{"text":"Perfect.","start":340.265,"end":340.765,"sentiment":"positive","sentiment_score":0.3786554336547851},{"text":"So I guess outside of that, our main focus is just kind of building where your current superannuation is and seeing whether we can, I guess, better align its current investments to be in a position to actually garner you more of an income for your retirement and then what your assets may look like for you to actually retire on?","start":341.385,"end":365.075,"sentiment":"neutral","sentiment_score":0.1917808015571266},{"text":"Now as I understand, we're not looking to retire for a for a while now.","start":366.01498,"end":370.595,"sentiment":"neutral","sentiment_score":-0.11819516097505887},{"text":"Is 67 the actual age you're looking to retire at, or is that just an age that you believe is retirement age?","start":370.75998,"end":378.62,"sentiment":"neutral","sentiment_score":-0.07434202679856257},{"text":"Yeah.","start":382.52,"end":382.75998,"sentiment":"neutral","sentiment_score":0.005377586930990219}],"sentiment":"neutral","sentiment_score":0.08674209911376238,"num_words":100,"start":340.265,"end":382.75998},{"sentences":[{"text":"No.","start":382.75998,"end":382.91998,"sentiment":"neutral","sentiment_score":-0.07667939364910126},{"text":"That's okay.","start":382.91998,"end":383.4,"sentiment":"neutral","sentiment_score":0.11983615159988403},{"text":"Cool.","start":383.4,"end":383.63998,"sentiment":"positive","sentiment_score":0.3588980436325073},{"text":"Because a lot of people get confused about retirement age and, like, age that they can retire because, theoretically, anyone can retire at any way age, providing they could actually support themselves.","start":383.63998,"end":392.935,"sentiment":"neutral","sentiment_score":0.06447872810531408},{"text":"Superannuation is accessible from 60 with some caveats, 65 with no caveats placed to it, and 67 is the age that the age pension becomes available from Centrelink, which is what a lot of people, I guess, hang their hat on as the the retirement age.","start":393.395,"end":411.67,"sentiment":"neutral","sentiment_score":0.04374944945068463}],"sentiment":"neutral","sentiment_score":0.05606932838152095,"num_words":82,"start":382.75998,"end":411.67},{"sentences":[{"text":"But if you're comfortable with 67, obviously, if it changes or if life, you know, gives us a curveball or two, we can always sort of maneuver within that.","start":411.98502,"end":420.005,"sentiment":"neutral","sentiment_score":0.03315226862142826},{"text":"But that sounds that's perfectly acceptable on that front.","start":421.665,"end":424.325,"sentiment":"positive","sentiment_score":0.44562559988763595},{"text":"Because we are pushing closer to 60, would you ever consider using your superannuation balance to pay off as an exit strategy to a mortgage on a primary residence knowing that you would then be living solely on government pension?","start":425.77,"end":441.925,"sentiment":"neutral","sentiment_score":0.11464520711451769},{"text":"Yes.","start":447.585,"end":448.085,"sentiment":"neutral","sentiment_score":0.09254221618175508},{"text":"Because, like, theoretically, like, if you were to get get a home, you're looking at standard, generally, a thirty year mortgage.","start":451.76,"end":457.2,"sentiment":"neutral","sentiment_score":0.002346265928021499}],"sentiment":"neutral","sentiment_score":0.09699668274261057,"num_words":100,"start":411.98502,"end":457.2},{"sentences":[{"text":"Obviously, you can drop it to twenty five, twenty, ten years, but, obviously, you have to make the repayments on that that kind of mortgage.","start":457.2,"end":463.46002,"sentiment":"neutral","sentiment_score":-0.055253726691007615},{"text":"So what a lot of mortgage brokers or lenders are looking for is kind of an exit strategy.","start":464.115,"end":468.295,"sentiment":"neutral","sentiment_score":0.07358843336502711},{"text":"So you have the assets that you currently hold being the two investment properties.","start":468.515,"end":471.895,"sentiment":"neutral","sentiment_score":0.026675730145403316},{"text":"They could be an exit strategy for that primary residence mortgage whereby one of those would get liquidated upon you retiring.","start":472.035,"end":478.295,"sentiment":"neutral","sentiment_score":0.05253860593906471},{"text":"It would get sold, pay off whatever debt was owed to it, and then would pay for the mortgage on your primary residence, therefore, allowing you to retire no income, debt free.","start":479.66,"end":488.8,"sentiment":"neutral","sentiment_score":0.3145138551481068}],"sentiment":"neutral","sentiment_score":0.10440420858900655,"num_words":110,"start":457.2,"end":488.8},{"sentences":[{"text":"Or, alternatively, sometimes what the lender will do is kind of hang their hat on the fact that, well, you have the asset available of your superannuation fund that can be utilized to pay for that mortgage in the event that you did retire.","start":489.41998,"end":507.35,"sentiment":"neutral","sentiment_score":0.2155723243274472},{"text":"Because, generally, they don't like projecting out a mortgage further than 75, which would which would kind of hamstring you into kind of, you know, a seventeen year mortgage time frame, which is quite a short mortgage that would, you know, require on the residential, yeah, I saw that a 100 and 107.","start":507.49,"end":530.61,"sentiment":"neutral","sentiment_score":-0.1286453644762624},{"text":"So you've you've got quite a lot of equity within that property, which is good.","start":530.61,"end":534.31,"sentiment":"neutral","sentiment_score":0.32982611159483594},{"text":"That could definitely go towards paying for the majority of a of a home, which is which is nice.","start":534.93,"end":541.99,"sentiment":"positive","sentiment_score":0.46353478023880407},{"text":"But, yes, I guess it's just about sort of, I guess, thinking about the the exit strategy position of purchasing another home.","start":544.22504,"end":551.205,"sentiment":"neutral","sentiment_score":0.013620057397268036}],"sentiment":"neutral","sentiment_score":0.10928870401546067,"num_words":153,"start":489.41998,"end":551.205},{"sentences":[{"text":"Because definitely the the equity that you hold within that property could go towards a deposit to allow you to buy, but age and ongoing income is definitely a factor in that in that realm.","start":551.66504,"end":563.11005,"sentiment":"neutral","sentiment_score":0.07405230317796979},{"text":"Are you wanting to sort of, I guess, move on a on a property for yourself soonish?","start":564.29004,"end":568.23004,"sentiment":"neutral","sentiment_score":0.09570062905550003},{"text":"No.","start":569.915,"end":570.415,"sentiment":"neutral","sentiment_score":-0.30867892503738403},{"text":"It's just something that you wanna do, but it's not something you're immediately open to.","start":570.71497,"end":574.895,"sentiment":"neutral","sentiment_score":-0.2836399088303248},{"text":"Okay.","start":576.71497,"end":576.955,"sentiment":"neutral","sentiment_score":0.05232714116573334}],"sentiment":"neutral","sentiment_score":-0.004234914654406948,"num_words":69,"start":551.66504,"end":576.955},{"sentences":[{"text":"No.","start":576.955,"end":577.115,"sentiment":"neutral","sentiment_score":-0.1708141267299652},{"text":"That's okay.","start":577.115,"end":577.595,"sentiment":"neutral","sentiment_score":-0.05774591863155365},{"text":"Alright.","start":577.595,"end":577.915,"sentiment":"neutral","sentiment_score":0.2309956252574921},{"text":"So what we can do is we can focus solely or more heavily on, like, the superannuation side of things right now.","start":577.915,"end":584.095,"sentiment":"neutral","sentiment_score":0.2427303142506968},{"text":"And then I guess as, you know, in the future as we move along, we can definitely open up to, I guess, other strategies with respect to possible liquidation of assets like the properties to purchase you that PPR or or, you know, look at how we can get you into that that primary place.","start":584.59,"end":602.045,"sentiment":"neutral","sentiment_score":0.23950076550245286}],"sentiment":"neutral","sentiment_score":0.22786788490635376,"num_words":81,"start":576.955,"end":602.045},{"sentences":[{"text":"So that way you're you're comfortable and and settled and you don't have that, you know, you don't have rent coming out or anything like that.","start":602.505,"end":609.305,"sentiment":"positive","sentiment_score":0.3394233017013623},{"text":"You you have your own home to call yours as we move through.","start":609.305,"end":613.43,"sentiment":"positive","sentiment_score":0.34701383113861084},{"text":"Okay?","start":613.81,"end":614.29,"sentiment":"neutral","sentiment_score":0.17548663914203644},{"text":"But but what I'll do is I'll now that I guess I've I just I know a couple of those extra little tidbit information and and bits and pieces.","start":614.29,"end":621.19,"sentiment":"neutral","sentiment_score":0.013680919619469807},{"text":"I will take that away, and I'm gonna have a look at the superannuation side of things because I know you certainly have your funds with rest.","start":622.13,"end":629.785,"sentiment":"neutral","sentiment_score":0.04810643941164017}],"sentiment":"neutral","sentiment_score":0.1584093002214407,"num_words":96,"start":602.505,"end":629.785},{"sentences":[{"text":"I'll have a look at at that, tear apart where you currently sit with your investments inside rest and see what I can't come up with outside within, you know, alternative avenues available to you to to make sure that we can get you where we need to go to to ensure that you have an income.","start":630.085,"end":647.97,"sentiment":"neutral","sentiment_score":0.15253133751582681},{"text":"Because I know you were looking at sort of, like, a thousand dollars a week.","start":648.02997,"end":650.69,"sentiment":"neutral","sentiment_score":0.07303207193811735},{"text":"So for sort of keeping your same kind of income now within your retirement.","start":650.91,"end":655.65,"sentiment":"neutral","sentiment_score":0.14725865317242487},{"text":"Okay?","start":656.08496,"end":656.58496,"sentiment":"neutral","sentiment_score":0.06489190459251404},{"text":"Alright.","start":658.32495,"end":658.805,"sentiment":"positive","sentiment_score":0.3519493043422699}],"sentiment":"neutral","sentiment_score":0.1394117008048025,"num_words":88,"start":630.085,"end":658.805},{"sentences":[{"text":"Perfect.","start":658.805,"end":659.305,"sentiment":"positive","sentiment_score":0.5430771708488464},{"text":"So I'll have a look at that.","start":659.44495,"end":660.745,"sentiment":"neutral","sentiment_score":0.2558566523449762},{"text":"And I know you're busy, so I wanna sort of, I guess, schedule a time that works for you.","start":660.805,"end":665.70496,"sentiment":"neutral","sentiment_score":0.14211948961019516},{"text":"When would be the best time to call next 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fair.","start":679.83,"end":680.81,"sentiment":"neutral","sentiment_score":0.022957079112529758},{"text":"Okay.","start":681.685,"end":682.005,"sentiment":"neutral","sentiment_score":-0.02999638020992279}],"sentiment":"neutral","sentiment_score":-0.0407837549490588,"num_words":7,"start":673.59,"end":682.005},{"sentences":[{"text":"Well, I'll I'll give you a call midweek next week and see how we land, and and we can see see how we go from there.","start":682.005,"end":688.72504,"sentiment":"neutral","sentiment_score":0.2050798010940735},{"text":"Okay?","start":688.72504,"end":689.22504,"sentiment":"neutral","sentiment_score":0.1069413647055626},{"text":"Not a problem.","start":691.8669,"end":692.4269,"sentiment":"positive","sentiment_score":0.5726114511489868},{"text":"Thanks, Catherine, for giving me a 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Is that Larissa? Gremlins. Yeah. It's always like that. I'm a sole trader in my own business, so I have very, very little time. So we need to talk quickly. Mhmm. I'm renting at home, and I rent to my workplace. Correct. Yep. I I would not like to live there, but if push comes to shove, that's what I'll have to do. Yeah. They're not exactly income. They're just the residential one's paying itself off. The other one, I have to kick in $250 a week. And no no yeah. The commercial. And no one wants to buy it while it's tenanted, which it currently is. But I and I if I wanted to sell it, if I want to sell anything, I would have to sell the factory first because that underpins the residential investment. Mhmm. Yep. That's right. I put $400 a week away in superannuation. No. But I wanna do some AI trading. Yes. And just to preface all of this, I married a man who gave away a quarter of $1,000,000 and left me with absolutely nothing and two children and nappies. Nothing. Yeah. Correct. Yep. Yep. No. There is no point in paying all of that. If I'm not able to work, I would sell everything up and just dissolve the business. Yep. Yep. Yes. It's just it's just the number I picked. I hadn't thought of it like that. Mhmm. No. I only owe a 100,000 on my residential. No. That's right. Mhmm. Mhmm. Mhmm. There is no good time. I I can't I have I'm open all the time, and I can't stop people coming in and needing me and whatever. So a bit of potluck. Okay. Sure. Thanks, Larissa. Okay. 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Is that Larissa? Gremlins. Yeah. It's always like that.\n\nI'm a sole trader in my own business, so I have very, very little time. So we need to talk quickly. Mhmm. I'm renting at home, and I rent to my workplace. Correct.\n\nYep. I I would not like to live there, but if push comes to shove, that's what I'll have to do. Yeah. They're not exactly income. They're just the residential one's paying itself off.\n\nThe other one, I have to kick in $250 a week. And no no yeah. The commercial. And no one wants to buy it while it's tenanted, which it currently is. But I and I if I wanted to sell it, if I want to sell anything, I would have to sell the factory first because that underpins the residential investment.\n\nMhmm. Yep. That's right. I put $400 a week away in superannuation. No.\n\nBut I wanna do some AI trading. Yes. And just to preface all of this, I married a man who gave away a quarter of $1,000,000 and left me with absolutely nothing and two children and nappies. Nothing. Yeah.\n\nCorrect. Yep. Yep. No. There is no point in paying all of that.\n\nIf I'm not able to work, I would sell everything up and just dissolve the business. Yep. Yep. Yes. It's just it's just the number I picked.\n\nI hadn't thought of it like that. Mhmm. No. I only owe a 100,000 on my residential. No.\n\nThat's right. Mhmm. Mhmm. Mhmm. There is no good time.\n\nI I can't I have I'm open all the time, and I can't stop people coming in and needing me and whatever. So a bit of potluck. Okay. Sure. Thanks, Larissa.\n\nOkay. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.48,"end":0.88,"sentiment":"neutral","sentiment_score":0.010024992749094965},{"text":"Is that Larissa?","start":0.88,"end":1.6999999,"sentiment":"neutral","sentiment_score":0.01818051127096017},{"text":"Gremlins.","start":6.16,"end":6.66,"sentiment":"neutral","sentiment_score":-0.08387389034032822},{"text":"Yeah.","start":20.815,"end":21.135,"sentiment":"neutral","sentiment_score":-0.06502202898263931},{"text":"It's always like that.","start":21.135,"end":22.355,"sentiment":"neutral","sentiment_score":-0.11639566160738468}],"sentiment":"neutral","sentiment_score":-0.05499120391905308,"num_words":10,"start":0.48,"end":22.355},{"sentences":[{"text":"I'm a sole trader in my own business, so I have very, very little time.","start":22.494999,"end":26.175,"sentiment":"neutral","sentiment_score":-0.11381650194525719},{"text":"So we need to talk quickly.","start":26.175,"end":27.475,"sentiment":"neutral","sentiment_score":-0.024374426652987797},{"text":"Mhmm.","start":53.295,"end":53.795,"sentiment":"neutral","sentiment_score":0.049979910254478455},{"text":"I'm renting at home, and I rent to my workplace.","start":57.96,"end":60.22,"sentiment":"neutral","sentiment_score":0.09517360329627991},{"text":"Correct.","start":75.095,"end":75.595,"sentiment":"neutral","sentiment_score":0.11215129494667052}],"sentiment":"neutral","sentiment_score":-0.02241293487675262,"num_words":33,"start":22.494999,"end":75.595},{"sentences":[{"text":"Yep.","start":75.655,"end":76.155,"sentiment":"neutral","sentiment_score":0.08349785208702087},{"text":"I I would not like to live there, but if push comes to shove, that's what I'll have to do.","start":86.49,"end":92.43,"sentiment":"neutral","sentiment_score":-0.18919321112334728},{"text":"Yeah.","start":115.81,"end":116.13,"sentiment":"neutral","sentiment_score":0.056474730372428894},{"text":"They're not exactly income.","start":116.13,"end":117.41,"sentiment":"negative","sentiment_score":-0.3967806249856949},{"text":"They're just the residential one's paying itself off.","start":117.41,"end":121.415,"sentiment":"neutral","sentiment_score":-0.26509425044059753}],"sentiment":"neutral","sentiment_score":-0.21622847480808988,"num_words":34,"start":75.655,"end":121.415},{"sentences":[{"text":"The other one, I have to kick in $250 a week.","start":121.415,"end":124.315,"sentiment":"neutral","sentiment_score":-0.1737935407595201},{"text":"And no no yeah.","start":127.895004,"end":129.255,"sentiment":"neutral","sentiment_score":-0.19440161995589733},{"text":"The commercial.","start":129.255,"end":129.815,"sentiment":"neutral","sentiment_score":-0.27756650745868683},{"text":"And no one wants to buy it while it's tenanted, which it currently is.","start":129.815,"end":134.43,"sentiment":"neutral","sentiment_score":-0.31971376069954466},{"text":"But I and I if I wanted to sell it, if I want to sell anything, I would have to sell the factory first because that underpins the residential investment.","start":136.82999,"end":147.96999,"sentiment":"neutral","sentiment_score":-0.06095277306934198}],"sentiment":"neutral","sentiment_score":-0.15654170958966504,"num_words":61,"start":121.415,"end":147.96999},{"sentences":[{"text":"Mhmm.","start":151.995,"end":152.495,"sentiment":"neutral","sentiment_score":-0.06607335805892944},{"text":"Yep.","start":159.595,"end":159.915,"sentiment":"neutral","sentiment_score":0.05724465101957321},{"text":"That's right.","start":159.915,"end":160.655,"sentiment":"neutral","sentiment_score":0.11458082497119904},{"text":"I put $400 a week away in superannuation.","start":178.785,"end":181.605,"sentiment":"neutral","sentiment_score":-0.09159422619268298},{"text":"No.","start":191.84999,"end":192.34999,"sentiment":"neutral","sentiment_score":-0.096208855509758}],"sentiment":"neutral","sentiment_score":-0.046817670934475385,"num_words":13,"start":151.995,"end":192.34999},{"sentences":[{"text":"But I wanna do some AI trading.","start":194.56999,"end":197.62999,"sentiment":"neutral","sentiment_score":-0.018829258158802986},{"text":"Yes.","start":226.05,"end":226.55,"sentiment":"neutral","sentiment_score":0.12081795930862428},{"text":"And just to preface all of this, I married a man who gave away a quarter of $1,000,000 and left me with absolutely nothing and two children and nappies.","start":228.77,"end":236.925,"sentiment":"neutral","sentiment_score":-0.22102152723176727},{"text":"Nothing.","start":247.63,"end":248.13,"sentiment":"neutral","sentiment_score":-0.024796362966299057},{"text":"Yeah.","start":250.03,"end":250.53,"sentiment":"positive","sentiment_score":0.37711024284362793}],"sentiment":"neutral","sentiment_score":-0.1555973655806902,"num_words":39,"start":194.56999,"end":250.53},{"sentences":[{"text":"Correct.","start":284.825,"end":285.325,"sentiment":"neutral","sentiment_score":-0.0157594233751297},{"text":"Yep.","start":286.505,"end":287.005,"sentiment":"neutral","sentiment_score":0.08776100724935532},{"text":"Yep.","start":293.065,"end":293.565,"sentiment":"neutral","sentiment_score":0.08368255198001862},{"text":"No.","start":307.49,"end":307.99,"sentiment":"neutral","sentiment_score":-0.08320774883031845},{"text":"There is no point in paying all of that.","start":318.155,"end":319.91498,"sentiment":"neutral","sentiment_score":-0.2200332068734699}],"sentiment":"neutral","sentiment_score":-0.14675557498748487,"num_words":13,"start":284.825,"end":319.91498},{"sentences":[{"text":"If I'm not able to work, I would sell everything up and just dissolve the business.","start":319.91498,"end":323.775,"sentiment":"neutral","sentiment_score":-0.17750095529481769},{"text":"Yep.","start":338.18,"end":338.26,"sentiment":"neutral","sentiment_score":0.08655993640422821},{"text":"Yep.","start":338.26,"end":338.76,"sentiment":"neutral","sentiment_score":0.114236980676651},{"text":"Yes.","start":365.54,"end":366.04,"sentiment":"neutral","sentiment_score":0.14888878166675568},{"text":"It's just it's just the number I picked.","start":379.915,"end":382.17502,"sentiment":"neutral","sentiment_score":-0.048963164910674095}],"sentiment":"neutral","sentiment_score":-0.10674203352795707,"num_words":27,"start":319.91498,"end":382.17502},{"sentences":[{"text":"I hadn't thought of it like that.","start":445.79,"end":447.97,"sentiment":"neutral","sentiment_score":-0.19691149251801626},{"text":"Mhmm.","start":512.72504,"end":513.22504,"sentiment":"neutral","sentiment_score":-0.1299639791250229},{"text":"No.","start":522.42,"end":522.58,"sentiment":"neutral","sentiment_score":-0.11888748407363892},{"text":"I only owe a 100,000 on my residential.","start":522.58,"end":526.92,"sentiment":"neutral","sentiment_score":-0.12046737410128117},{"text":"No.","start":568.975,"end":569.475,"sentiment":"neutral","sentiment_score":-0.21789860725402832}],"sentiment":"neutral","sentiment_score":-0.15604830616050297,"num_words":18,"start":445.79,"end":569.475},{"sentences":[{"text":"That's right.","start":575.75,"end":576.64996,"sentiment":"neutral","sentiment_score":0.09102552756667137},{"text":"Mhmm.","start":614.755,"end":615.255,"sentiment":"neutral","sentiment_score":0.025979403406381607},{"text":"Mhmm.","start":654.08997,"end":654.58997,"sentiment":"neutral","sentiment_score":0.08365915715694427},{"text":"Mhmm.","start":657.37,"end":657.87,"sentiment":"neutral","sentiment_score":0.07802584767341614},{"text":"There is no good time.","start":669.86505,"end":671.16504,"sentiment":"negative","sentiment_score":-0.47759184837341306}],"sentiment":"neutral","sentiment_score":-0.20182437784969806,"num_words":10,"start":575.75,"end":671.16504},{"sentences":[{"text":"I I can't I have I'm open all the time, and I can't stop people coming in and needing me and whatever.","start":671.86505,"end":678.36505,"sentiment":"neutral","sentiment_score":-0.18331300196322528},{"text":"So a bit of potluck.","start":679.91003,"end":684.57,"sentiment":"neutral","sentiment_score":0.03035835474729538},{"text":"Okay.","start":689.7469,"end":690.14685,"sentiment":"neutral","sentiment_score":0.17694711685180664},{"text":"Sure.","start":690.14685,"end":690.46686,"sentiment":"positive","sentiment_score":0.391850233078003},{"text":"Thanks, Larissa.","start":690.46686,"end":691.3669,"sentiment":"positive","sentiment_score":0.6655634343624115}],"sentiment":"neutral","sentiment_score":-0.06390871131612409,"num_words":31,"start":671.86505,"end":691.3669},{"sentences":[{"text":"Okay.","start":694.62683,"end":695.12683,"sentiment":"positive","sentiment_score":0.4036739468574524},{"text":"Bye.","start":696.5469,"end":697.0469,"sentiment":"positive","sentiment_score":0.46159180998802185}],"sentiment":"positive","sentiment_score":0.4326328784227371,"num_words":2,"start":694.62683,"end":697.0469}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello? Is that Larissa?\n\nChannel 0: Hi. Yes. Sorry, Catherine. I'm not sure what happened just then.\n\nChannel 1: Gremlins.\n\nChannel 0: Yeah. So the answer the call picked up, and there was just nothing on the other end. How's your day going? You sound like you've you well, you you were having a bit of a day this morning. Bit busy.\n\nChannel 1: Yeah. It's always like that. I'm a sole trader in my own business, so I have very, very little time. So we need to talk quickly.\n\nChannel 0: I'm all about talking quick. Perfect. So the whole point of my call today was, I guess, to just clarify a few details and from an advice perspective, just gain a little bit of an insight as to where and which direction you would wanna, like, head. So as I understand, we are currently like, we we have the the two investment properties. We have the residential and then we have the commercial.\n\nChannel 1: Mhmm.\n\nChannel 0: And then you're renting at the moment, if I'm not mistaken.\n\nChannel 1: I'm renting at home, and I rent to my workplace.\n\nChannel 0: Perfect. And then with with renting the whole like, I guess, moving forward, what we want to be able to do is end up buying a PPR or a primary price place of residence as well\n\nChannel 1: Correct.\n\nChannel 0: as\n\nChannel 1: Yep.\n\nChannel 0: the two investment properties. Cool. Would you ever move into, like, the residential investment or not interested in where it's located?\n\nChannel 1: I I would not like to live there, but if push comes to shove, that's what I'll have to do.\n\nChannel 0: Yeah. Alright. No. That that's okay. Just I guess it gives me parameters as to where you would want to head if you had to.\n\nSo that's okay. Now with that, those those properties, the intention is to retain them. We're not looking to sell them anytime soon. We wanna keep them and have them as income moving forward.\n\nChannel 1: Yeah. They're not exactly income. They're just the residential one's paying itself off. The other one, I have to kick in $250 a week.\n\nChannel 0: Yep. So the commercial\n\nChannel 1: And no\n\nChannel 0: properties,\n\nChannel 1: no\n\nChannel 0: net\n\nChannel 1: yeah. The\n\nChannel 0: negative.\n\nChannel 1: commercial. And no one wants to buy it while it's tenanted, which it currently is.\n\nChannel 0: Okay. And do\n\nChannel 1: But\n\nChannel 0: when\n\nChannel 1: I and\n\nChannel 0: does\n\nChannel 1: I\n\nChannel 0: the\n\nChannel 1: if I wanted to sell it, if I want to sell anything, I would have to sell the factory first because that underpins the residential investment.\n\nChannel 0: okay. It's leveraged against it.\n\nChannel 1: Mhmm.\n\nChannel 0: Okay. No. That's okay. But no current desire to sell them. They're just standing properties at the moment.\n\nChannel 1: Yep. That's right.\n\nChannel 0: Okay. No. That's perfect. Okay. So in terms of, I guess, savings and and what you're putting away, are we are we saving anything at the moment, or is everything kinda going to our expenses, the properties,\n\nChannel 1: I put\n\nChannel 0: just\n\nChannel 1: $400\n\nChannel 0: general living?\n\nChannel 1: a week away in superannuation.\n\nChannel 0: Cool. But anything, like, into, like, our, like, our our bank account as, like, a a little nest egg for ourselves for, say, a deposit for a home?\n\nChannel 1: No.\n\nChannel 0: Okay.\n\nChannel 1: But I wanna do some AI trading.\n\nChannel 0: Okay. Alright. So 400 a week that we put into through, but that's okay. And I guess outside of that, I know that you're wanting to make sure that you do keep yourself out of your car. So I I I wanna sort of make sure that you are, like, secure in the current home that you're renting.\n\nChannel 1: Yes.\n\nChannel 0: Yeah. Cool. Cool. No. That's good.\n\nChannel 1: And just to preface all of this, I married a man who gave away a quarter of $1,000,000 and left me with absolutely nothing and two children and nappies.\n\nChannel 0: Fair enough. So for the last couple of decades, because the the kids are older now, you've built yourself from\n\nChannel 1: Nothing.\n\nChannel 0: that to where you are now.\n\nChannel 1: Yeah.\n\nChannel 0: You've done well. I got a husband who needs them sometimes. Alright. So at the moment, I guess, we're focusing very much on the business. When we stop working, we wanna have a secure home that we can call a base, but we wanna be able to travel.\n\nYou wanna just, I guess, have security in knowing that you can cover the basic bills, have that that trip away each year. But, otherwise, just live sort of, I guess, a comfortable standard life. Nothing too\n\nChannel 1: Correct.\n\nChannel 0: extravagant or crazy. Alright.\n\nChannel 1: Yep.\n\nChannel 0: Cool. And with your current, like, business, obviously, you stop working, the business stops.\n\nChannel 1: Yep.\n\nChannel 0: Amazing way. We don't have anyone else in the business that we work with? Nope. Alright. Amazing.\n\nSo with respect to insurance outside of, I guess, business insurance, do\n\nChannel 1: No.\n\nChannel 0: you find, like, personal insurance something that's gonna be important for you being that if you aren't able to work, your income would cease?\n\nChannel 1: There is no point in paying all of that. If I'm not able to work, I would sell everything up and just dissolve the business.\n\nChannel 0: K. And then liquidate the properties as well. Yep. Okay. No.\n\nThat's okay. Cool. So you're comfortable to to to liquidate everything and if the that event if that actually eventuated. So that's\n\nChannel 1: Yep. Yep.\n\nChannel 0: that's okay there. Alright. Perfect. So I guess outside of that, our main focus is just kind of building where your current superannuation is and seeing whether we can, I guess, better align its current investments to be in a position to actually garner you more of an income for your retirement and then what your assets may look like for you to actually retire on?\n\nChannel 1: Yes.\n\nChannel 0: Now as I understand, we're not looking to retire for a for a while now. Is 67 the actual age you're looking to retire at, or is that just an age that you believe is retirement age?\n\nChannel 1: It's just it's just the number I picked.\n\nChannel 0: Yeah. No. That's okay. Cool. Because a lot of people get confused about retirement age and, like, age that they can retire because, theoretically, anyone can retire at any way age, providing they could actually support themselves.\n\nSuperannuation is accessible from 60 with some caveats, 65 with no caveats placed to it, and 67 is the age that the age pension becomes available from Centrelink, which is what a lot of people, I guess, hang their hat on as the the retirement age. But if you're comfortable with 67, obviously, if it changes or if life, you know, gives us a curveball or two, we can always sort of maneuver within that. But that sounds that's perfectly acceptable on that front. Because we are pushing closer to 60, would you ever consider using your superannuation balance to pay off as an exit strategy to a mortgage on a primary residence knowing that you would then be living solely on government pension?\n\nChannel 1: I hadn't thought of it like that.\n\nChannel 0: Yes. Because, like, theoretically, like, if you were to get get a home, you're looking at standard, generally, a thirty year mortgage. Obviously, you can drop it to twenty five, twenty, ten years, but, obviously, you have to make the repayments on that that kind of mortgage. So what a lot of mortgage brokers or lenders are looking for is kind of an exit strategy. So you have the assets that you currently hold being the two investment properties.\n\nThey could be an exit strategy for that primary residence mortgage whereby one of those would get liquidated upon you retiring. It would get sold, pay off whatever debt was owed to it, and then would pay for the mortgage on your primary residence, therefore, allowing you to retire no income, debt free. Or, alternatively, sometimes what the lender will do is kind of hang their hat on the fact that, well, you have the asset available of your superannuation fund that can be utilized to pay for that mortgage in the event that you did retire. Because, generally, they don't like projecting out a mortgage further than 75,\n\nChannel 1: Mhmm.\n\nChannel 0: which would which would kind of hamstring you into kind of, you know, a seventeen year mortgage time frame, which is quite a short mortgage that would, you\n\nChannel 1: No.\n\nChannel 0: know,\n\nChannel 1: I only\n\nChannel 0: require\n\nChannel 1: owe a 100,000 on my residential.\n\nChannel 0: on the residential, yeah, I saw that a 100 and 107. So you've you've got quite a lot of equity within that property, which is good. That could definitely go towards paying for the majority of a of a home, which is which is nice. But, yes, I guess it's just about sort of, I guess, thinking about the the exit strategy position of purchasing another home. Because definitely the the equity that you hold within that property could go towards a deposit to allow you to buy, but age and ongoing income is definitely a factor in that in that realm.\n\nAre you wanting to sort of, I guess, move on a on a property for yourself soonish?\n\nChannel 1: No.\n\nChannel 0: No. It's just something that you wanna do, but it's not something you're immediately open to.\n\nChannel 1: That's right.\n\nChannel 0: Okay. No. That's okay. Alright. So what we can do is we can focus solely or more heavily on, like, the superannuation side of things right now.\n\nAnd then I guess as, you know, in the future as we move along, we can definitely open up to, I guess, other strategies with respect to possible liquidation of assets like the properties to purchase you that PPR or or, you know, look at how we can get you into that that primary place. So that way you're you're comfortable and and settled and you don't have that, you know, you don't have rent coming out or anything like that. You you have your own home to call yours as we move through. Okay? But but\n\nChannel 1: Mhmm.\n\nChannel 0: what I'll do is I'll now that I guess I've I just I know a couple of those extra little tidbit information and and bits and pieces. I will take that away, and I'm gonna have a look at the superannuation side of things because I know you certainly have your funds with rest. I'll have a look at at that, tear apart where you currently sit with your investments inside rest and see what I can't come up with outside within, you know, alternative avenues available to you to to make sure that we can get you where we need to go to to ensure that you have an income. Because I know you were looking at sort of, like, a thousand dollars a week. So for sort of keeping your same kind of income now\n\nChannel 1: Mhmm.\n\nChannel 0: within your retirement. Okay?\n\nChannel 1: Mhmm.\n\nChannel 0: Alright. Perfect. So I'll have a look at that. And I know you're busy, so I wanna sort of, I guess, schedule a time that works for you. When would be the best time to call next week?\n\nChannel 1: There is no good time. I I can't I\n\nChannel 0: No.\n\nChannel 1: have\n\nChannel 0: That's\n\nChannel 1: I'm\n\nChannel 0: yeah.\n\nChannel 1: open all the time, and I can't stop people coming in and needing me and whatever.\n\nChannel 0: Yeah. Nope. Totally\n\nChannel 1: So a bit of\n\nChannel 0: fair. Okay. Well, I'll I'll give you a call midweek\n\nChannel 1: potluck.\n\nChannel 0: next week and see how we land, and and we can see see how we go from there. Okay?\n\nChannel 1: Okay. Sure. Thanks, Larissa.\n\nChannel 0: Not a problem. Thanks, Catherine, for giving me a callback.\n\nChannel 1: Okay.\n\nChannel 0: Bye. Have a good\n\nChannel 1: Bye.\n\nChannel 0: one. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.48,"end":0.88,"sentiment":"neutral","sentiment_score":0.010024992749094965},{"text":"Is that Larissa?","start":0.88,"end":1.6999999,"sentiment":"neutral","sentiment_score":0.01818051127096017}],"sentiment":"neutral","sentiment_score":0.01614163164049387,"channel":1,"num_words":4,"start":0.48,"end":1.6999999},{"sentences":[{"text":"Hi.","start":2.56,"end":2.8799999,"sentiment":"neutral","sentiment_score":0.033755164593458176},{"text":"Yes.","start":2.8799999,"end":3.12,"sentiment":"neutral","sentiment_score":0.04678022116422653},{"text":"Sorry, Catherine.","start":3.12,"end":3.84,"sentiment":"neutral","sentiment_score":-0.09776145219802856},{"text":"I'm not sure what happened just then.","start":3.84,"end":5.54,"sentiment":"neutral","sentiment_score":-0.22954492483820235}],"sentiment":"neutral","sentiment_score":-0.1565274538641626,"channel":0,"num_words":11,"start":2.56,"end":5.54},{"sentences":[{"text":"Gremlins.","start":6.16,"end":6.66,"sentiment":"neutral","sentiment_score":-0.08387389034032822}],"sentiment":"neutral","sentiment_score":-0.08387389034032822,"channel":1,"num_words":1,"start":6.16,"end":6.66},{"sentences":[{"text":"Yeah.","start":7.6,"end":8.1,"sentiment":"neutral","sentiment_score":-0.006520811468362808},{"text":"So the answer the call picked up, and there was just nothing on the other end.","start":8.48,"end":12.099999,"sentiment":"neutral","sentiment_score":-0.04329498973675072},{"text":"How's your day going?","start":14.844999,"end":15.724999,"sentiment":"neutral","sentiment_score":0.12621783092617989},{"text":"You sound like you've you well, you you were having a bit of a day this morning.","start":15.724999,"end":19.105,"sentiment":"neutral","sentiment_score":0.260141785530483},{"text":"Bit busy.","start":19.164999,"end":19.985,"sentiment":"neutral","sentiment_score":-0.21485313773155212}],"sentiment":"neutral","sentiment_score":0.09495836887508631,"channel":0,"num_words":40,"start":7.6,"end":19.985},{"sentences":[{"text":"Yeah.","start":20.815,"end":21.135,"sentiment":"neutral","sentiment_score":-0.06502202898263931},{"text":"It's always like that.","start":21.135,"end":22.355,"sentiment":"neutral","sentiment_score":-0.11639566160738468},{"text":"I'm a sole trader in my own business, so I have very, very little time.","start":22.494999,"end":26.175,"sentiment":"neutral","sentiment_score":-0.11381650194525719},{"text":"So we need to talk quickly.","start":26.175,"end":27.475,"sentiment":"neutral","sentiment_score":-0.024374426652987797}],"sentiment":"neutral","sentiment_score":-0.0916961063272678,"channel":1,"num_words":26,"start":20.815,"end":27.475},{"sentences":[{"text":"I'm all about talking quick.","start":28.220001,"end":29.84,"sentiment":"neutral","sentiment_score":0.05377827174961567},{"text":"Perfect.","start":29.900002,"end":30.400002,"sentiment":"positive","sentiment_score":0.5893795490264893},{"text":"So the whole point of my call today was, I guess, to just clarify a few details and from an advice perspective, just gain a little bit of an insight as to where and which direction you would wanna, like, head.","start":31.34,"end":42.635002,"sentiment":"neutral","sentiment_score":0.2817861212462914},{"text":"So as I understand, we are currently like, we we have the the two investment properties.","start":43.815002,"end":50.295,"sentiment":"neutral","sentiment_score":0.05109811294823885},{"text":"We have the residential and then we have the commercial.","start":50.295,"end":52.395,"sentiment":"neutral","sentiment_score":0.03351262789219618}],"sentiment":"neutral","sentiment_score":0.18581093102693558,"channel":0,"num_words":73,"start":28.220001,"end":52.395},{"sentences":[{"text":"Mhmm.","start":53.295,"end":53.795,"sentiment":"neutral","sentiment_score":0.049979910254478455}],"sentiment":"neutral","sentiment_score":0.049979910254478455,"channel":1,"num_words":1,"start":53.295,"end":53.795},{"sentences":[{"text":"And then you're renting at the moment, if I'm not mistaken.","start":53.43,"end":57.61,"sentiment":"neutral","sentiment_score":0.05257226966998794}],"sentiment":"neutral","sentiment_score":0.05257226966998794,"channel":0,"num_words":11,"start":53.43,"end":57.61},{"sentences":[{"text":"I'm renting at home, and I rent to my 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well.","start":324.81,"end":327.38998,"sentiment":"neutral","sentiment_score":-0.024580179580620358},{"text":"Yep.","start":329.625,"end":329.945,"sentiment":"neutral","sentiment_score":0.027704518288373947},{"text":"Okay.","start":329.945,"end":330.42502,"sentiment":"neutral","sentiment_score":0.016271144151687622},{"text":"No.","start":330.42502,"end":330.665,"sentiment":"neutral","sentiment_score":-0.016298945993185043}],"sentiment":"neutral","sentiment_score":-0.015037226406010714,"channel":0,"num_words":11,"start":324.41,"end":330.665},{"sentences":[{"text":"That's okay.","start":330.665,"end":331.405,"sentiment":"neutral","sentiment_score":0.02495308220386505},{"text":"Cool.","start":331.545,"end":332.045,"sentiment":"neutral","sentiment_score":0.1551026701927185},{"text":"So you're comfortable to to to liquidate everything and if the that event if that actually eventuated.","start":332.745,"end":337.405,"sentiment":"neutral","sentiment_score":0.10589224450728472},{"text":"So that's","start":337.70502,"end":338.445,"sentiment":"neutral","sentiment_score":0.1121247410774231}],"sentiment":"neutral","sentiment_score":0.10133756697177887,"channel":0,"num_words":22,"start":330.665,"end":338.445},{"sentences":[{"text":"Yep.","start":338.18,"end":338.26,"sentiment":"neutral","sentiment_score":0.08655993640422821},{"text":"Yep.","start":338.26,"end":338.76,"sentiment":"neutral","sentiment_score":0.114236980676651}],"sentiment":"neutral","sentiment_score":0.1003984585404396,"channel":1,"num_words":2,"start":338.18,"end":338.76},{"sentences":[{"text":"that's okay there.","start":338.905,"end":339.785,"sentiment":"neutral","sentiment_score":0.14292766153812408},{"text":"Alright.","start":339.785,"end":340.265,"sentiment":"neutral","sentiment_score":0.26791366934776306},{"text":"Perfect.","start":340.265,"end":340.765,"sentiment":"positive","sentiment_score":0.3786554336547851},{"text":"So I guess outside of that, our main focus is just kind of building where your current superannuation is and seeing whether we can, I guess, better align its current investments to be in a position to actually garner you more of an income for your retirement and then what your assets may look like for you to actually retire on?","start":341.385,"end":365.075,"sentiment":"neutral","sentiment_score":0.1917808015571266}],"sentiment":"neutral","sentiment_score":0.1935451664030552,"channel":0,"num_words":66,"start":338.905,"end":365.075},{"sentences":[{"text":"Yes.","start":365.54,"end":366.04,"sentiment":"neutral","sentiment_score":0.14888878166675568}],"sentiment":"neutral","sentiment_score":0.14888878166675568,"channel":1,"num_words":1,"start":365.54,"end":366.04},{"sentences":[{"text":"Now as I understand, we're not looking to retire for a for a while now.","start":366.01498,"end":370.595,"sentiment":"neutral","sentiment_score":-0.11819516097505887},{"text":"Is 67 the actual age you're looking to retire at, or is that just an age that you believe is retirement age?","start":370.75998,"end":378.62,"sentiment":"neutral","sentiment_score":-0.07434202679856257}],"sentiment":"neutral","sentiment_score":-0.0921203244376827,"channel":0,"num_words":37,"start":366.01498,"end":378.62},{"sentences":[{"text":"It's just it's just the number I picked.","start":379.915,"end":382.17502,"sentiment":"neutral","sentiment_score":-0.048963164910674095}],"sentiment":"neutral","sentiment_score":-0.048963164910674095,"channel":1,"num_words":8,"start":379.915,"end":382.17502},{"sentences":[{"text":"Yeah.","start":382.52,"end":382.75998,"sentiment":"neutral","sentiment_score":0.005377586930990219},{"text":"No.","start":382.75998,"end":382.91998,"sentiment":"neutral","sentiment_score":-0.07667939364910126},{"text":"That's okay.","start":382.91998,"end":383.4,"sentiment":"neutral","sentiment_score":0.11983615159988403},{"text":"Cool.","start":383.4,"end":383.63998,"sentiment":"positive","sentiment_score":0.3588980436325073},{"text":"Because a lot of people get confused about retirement age and, like, age that they can retire because, theoretically, anyone can retire at any way age, providing they could actually support themselves.","start":383.63998,"end":392.935,"sentiment":"neutral","sentiment_score":0.06447872810531408}],"sentiment":"neutral","sentiment_score":0.07001588755362742,"channel":0,"num_words":37,"start":382.52,"end":392.935},{"sentences":[{"text":"Superannuation is accessible from 60 with some caveats, 65 with no caveats placed to it, and 67 is the age that the age pension becomes available from Centrelink, which is what a lot of people, I guess, hang their hat on as the the retirement age.","start":393.395,"end":411.67,"sentiment":"neutral","sentiment_score":0.04374944945068463},{"text":"But if you're comfortable with 67, obviously, if it changes or if life, you know, gives us a curveball or two, we can always sort of maneuver within that.","start":411.98502,"end":420.005,"sentiment":"neutral","sentiment_score":0.03315226862142826},{"text":"But that sounds that's perfectly acceptable on that front.","start":421.665,"end":424.325,"sentiment":"positive","sentiment_score":0.44562559988763595},{"text":"Because we are pushing closer to 60, would you ever consider using your superannuation balance to pay off as an exit strategy to a mortgage on a primary residence knowing that you would then be living solely on government pension?","start":425.77,"end":441.925,"sentiment":"neutral","sentiment_score":0.11464520711451769}],"sentiment":"neutral","sentiment_score":0.0933091060348576,"channel":0,"num_words":124,"start":393.395,"end":441.925},{"sentences":[{"text":"I hadn't thought of it like 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strategy.","start":464.115,"end":468.295,"sentiment":"neutral","sentiment_score":0.07358843336502711},{"text":"So you have the assets that you currently hold being the two investment properties.","start":468.515,"end":471.895,"sentiment":"neutral","sentiment_score":0.026675730145403316}],"sentiment":"neutral","sentiment_score":0.005804084253179122,"channel":0,"num_words":79,"start":447.585,"end":471.895},{"sentences":[{"text":"They could be an exit strategy for that primary residence mortgage whereby one of those would get liquidated upon you retiring.","start":472.035,"end":478.295,"sentiment":"neutral","sentiment_score":0.05253860593906471},{"text":"It would get sold, pay off whatever debt was owed to it, and then would pay for the mortgage on your primary residence, therefore, allowing you to retire no income, debt free.","start":479.66,"end":488.8,"sentiment":"neutral","sentiment_score":0.3145138551481068},{"text":"Or, alternatively, sometimes what the lender will do is kind of hang their hat on the fact that, well, you have the asset available of your superannuation fund that can be utilized to pay for that mortgage in the event that you did retire.","start":489.41998,"end":507.35,"sentiment":"neutral","sentiment_score":0.2155723243274472},{"text":"Because, generally, they don't like projecting out a mortgage further than 75,","start":507.49,"end":511.91,"sentiment":"neutral","sentiment_score":-0.18075959788014492}],"sentiment":"neutral","sentiment_score":0.16957634114959372,"channel":0,"num_words":109,"start":472.035,"end":511.91},{"sentences":[{"text":"Mhmm.","start":512.72504,"end":513.22504,"sentiment":"neutral","sentiment_score":-0.1299639791250229}],"sentiment":"neutral","sentiment_score":-0.1299639791250229,"channel":1,"num_words":1,"start":512.72504,"end":513.22504},{"sentences":[{"text":"which would which would kind of hamstring you into kind of, you know, a seventeen year mortgage time frame, which is quite a short mortgage that would, you","start":512.77,"end":522.515,"sentiment":"neutral","sentiment_score":-0.17061009178204195}],"sentiment":"neutral","sentiment_score":-0.17061009178204195,"channel":0,"num_words":28,"start":512.77,"end":522.515},{"sentences":[{"text":"No.","start":522.42,"end":522.58,"sentiment":"neutral","sentiment_score":-0.11888748407363892}],"sentiment":"neutral","sentiment_score":-0.11888748407363892,"channel":1,"num_words":1,"start":522.42,"end":522.58},{"sentences":[{"text":"know,","start":522.515,"end":522.755,"sentiment":"neutral","sentiment_score":-0.16312380135059357}],"sentiment":"neutral","sentiment_score":-0.16312380135059357,"channel":0,"num_words":1,"start":522.515,"end":522.755},{"sentences":[{"text":"I 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right.","start":575.75,"end":576.64996,"sentiment":"neutral","sentiment_score":0.09102552756667137}],"sentiment":"neutral","sentiment_score":0.09102552756667137,"channel":1,"num_words":2,"start":575.75,"end":576.64996},{"sentences":[{"text":"Okay.","start":576.71497,"end":576.955,"sentiment":"neutral","sentiment_score":0.05232714116573334},{"text":"No.","start":576.955,"end":577.115,"sentiment":"neutral","sentiment_score":-0.1708141267299652},{"text":"That's okay.","start":577.115,"end":577.595,"sentiment":"neutral","sentiment_score":-0.05774591863155365},{"text":"Alright.","start":577.595,"end":577.915,"sentiment":"neutral","sentiment_score":0.2309956252574921},{"text":"So what we can do is we can focus solely or more heavily on, like, the superannuation side of things right 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through.","start":609.305,"end":613.43,"sentiment":"positive","sentiment_score":0.34701383113861084},{"text":"Okay?","start":613.81,"end":614.29,"sentiment":"neutral","sentiment_score":0.17548663914203644},{"text":"But but","start":614.29,"end":614.77,"sentiment":"neutral","sentiment_score":0.06889388896524906}],"sentiment":"neutral","sentiment_score":0.2765154862757196,"channel":0,"num_words":97,"start":584.59,"end":614.77},{"sentences":[{"text":"Mhmm.","start":614.755,"end":615.255,"sentiment":"neutral","sentiment_score":0.025979403406381607}],"sentiment":"neutral","sentiment_score":0.025979403406381607,"channel":1,"num_words":1,"start":614.755,"end":615.255},{"sentences":[{"text":"what I'll do is I'll now that I guess I've I just I know a couple of those extra little tidbit information and and bits and pieces.","start":614.77,"end":621.19,"sentiment":"neutral","sentiment_score":0.009591070038300974},{"text":"I will take that away, and I'm gonna have a look at the superannuation side of things because I know you certainly have your funds with rest.","start":622.13,"end":629.785,"sentiment":"neutral","sentiment_score":0.04810643941164017},{"text":"I'll have a look at at that, tear apart where you currently sit with your investments inside rest and see what I can't come up with outside within, you know, alternative avenues available to you to to make sure that we can get you where we need to go to to ensure that you have an income.","start":630.085,"end":647.97,"sentiment":"neutral","sentiment_score":0.15253133751582681},{"text":"Because I know you were looking at sort of, like, a thousand dollars a week.","start":648.02997,"end":650.69,"sentiment":"neutral","sentiment_score":0.07303207193811735},{"text":"So for sort of keeping your same kind of income now","start":650.91,"end":653.49,"sentiment":"neutral","sentiment_score":0.1599834283644503}],"sentiment":"neutral","sentiment_score":0.09567458236957119,"channel":0,"num_words":137,"start":614.77,"end":653.49},{"sentences":[{"text":"Mhmm.","start":654.08997,"end":654.58997,"sentiment":"neutral","sentiment_score":0.08365915715694427}],"sentiment":"neutral","sentiment_score":0.08365915715694427,"channel":1,"num_words":1,"start":654.08997,"end":654.58997},{"sentences":[{"text":"within your retirement.","start":654.58997,"end":655.65,"sentiment":"neutral","sentiment_score":0.10060114413499832},{"text":"Okay?","start":656.08496,"end":656.58496,"sentiment":"neutral","sentiment_score":0.06489190459251404}],"sentiment":"neutral","sentiment_score":0.09167383424937725,"channel":0,"num_words":4,"start":654.58997,"end":656.58496},{"sentences":[{"text":"Mhmm.","start":657.37,"end":657.87,"sentiment":"neutral","sentiment_score":0.07802584767341614}],"sentiment":"neutral","sentiment_score":0.07802584767341614,"channel":1,"num_words":1,"start":657.37,"end":657.87},{"sentences":[{"text":"Alright.","start":658.32495,"end":658.805,"sentiment":"positive","sentiment_score":0.3519493043422699},{"text":"Perfect.","start":658.805,"end":659.305,"sentiment":"positive","sentiment_score":0.5430771708488464},{"text":"So I'll have a look at that.","start":659.44495,"end":660.745,"sentiment":"neutral","sentiment_score":0.2558566523449762},{"text":"And I know you're busy, so I wanna sort of, I guess, schedule a time that works for you.","start":660.805,"end":665.70496,"sentiment":"neutral","sentiment_score":0.14211948961019516},{"text":"When would be the best time to call next week?","start":666.165,"end":669.305,"sentiment":"neutral","sentiment_score":0.06755861043930053}],"sentiment":"neutral","sentiment_score":0.15952314338401744,"channel":0,"num_words":38,"start":658.32495,"end":669.305},{"sentences":[{"text":"There is no good time.","start":669.86505,"end":671.16504,"sentiment":"negative","sentiment_score":-0.47759184837341306},{"text":"I I can't 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all the time, and I can't stop people coming in and needing me and whatever.","start":674.66504,"end":678.36505,"sentiment":"neutral","sentiment_score":-0.14422992942854762}],"sentiment":"neutral","sentiment_score":-0.14422992942854762,"channel":1,"num_words":16,"start":674.66504,"end":678.36505},{"sentences":[{"text":"Yeah.","start":678.95,"end":679.43,"sentiment":"neutral","sentiment_score":-0.013264898210763931},{"text":"Nope.","start":679.43,"end":679.83,"sentiment":"neutral","sentiment_score":-0.05368812382221222},{"text":"Totally","start":679.83,"end":680.31,"sentiment":"neutral","sentiment_score":0.04267015308141709}],"sentiment":"neutral","sentiment_score":-0.008094289650519686,"channel":0,"num_words":3,"start":678.95,"end":680.31},{"sentences":[{"text":"So a bit 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and we can see see how we go from there.","start":684.085,"end":688.72504,"sentiment":"neutral","sentiment_score":0.20798589827285874},{"text":"Okay?","start":688.72504,"end":689.22504,"sentiment":"neutral","sentiment_score":0.1069413647055626}],"sentiment":"neutral","sentiment_score":0.20266776492721156,"channel":0,"num_words":19,"start":684.085,"end":689.22504},{"sentences":[{"text":"Okay.","start":689.7469,"end":690.14685,"sentiment":"neutral","sentiment_score":0.17694711685180664},{"text":"Sure.","start":690.14685,"end":690.46686,"sentiment":"positive","sentiment_score":0.391850233078003},{"text":"Thanks, Larissa.","start":690.46686,"end":691.3669,"sentiment":"positive","sentiment_score":0.6655634343624115}],"sentiment":"positive","sentiment_score":0.47498105466365814,"channel":1,"num_words":4,"start":689.7469,"end":691.3669},{"sentences":[{"text":"Not a problem.","start":691.8669,"end":692.4269,"sentiment":"positive","sentiment_score":0.5726114511489868},{"text":"Thanks, Catherine, for giving me a callback.","start":692.4269,"end":693.96686,"sentiment":"positive","sentiment_score":0.7828438622610909}],"sentiment":"positive","sentiment_score":0.7197741389274597,"channel":0,"num_words":10,"start":691.8669,"end":693.96686},{"sentences":[{"text":"Okay.","start":694.62683,"end":695.12683,"sentiment":"positive","sentiment_score":0.4036739468574524}],"sentiment":"positive","sentiment_score":0.4036739468574524,"channel":1,"num_words":1,"start":694.62683,"end":695.12683},{"sentences":[{"text":"Bye.","start":695.78687,"end":696.1869,"sentiment":"positive","sentiment_score":0.4269591271877289},{"text":"Have a good","start":696.1869,"end":696.6669,"sentiment":"positive","sentiment_score":0.586077094078064}],"sentiment":"positive","sentiment_score":0.5462976023554802,"channel":0,"num_words":4,"start":695.78687,"end":696.6669},{"sentences":[{"text":"Bye.","start":696.5469,"end":697.0469,"sentiment":"positive","sentiment_score":0.46159180998802185}],"sentiment":"positive","sentiment_score":0.46159180998802185,"channel":1,"num_words":1,"start":696.5469,"end":697.0469},{"sentences":[{"text":"one.","start":696.6669,"end":696.9869,"sentiment":"neutral","sentiment_score":0.29356709122657776},{"text":"Bye.","start":696.9869,"end":697.4869,"sentiment":"neutral","sentiment_score":-0.10664168000221252}],"sentiment":"neutral","sentiment_score":0.09346270561218262,"channel":0,"num_words":2,"start":696.6669,"end":697.4869}]},"summary":{"result":"success","short":"The sole trader, Speaker 2, discusses the details of a call with Catherine regarding investment properties, including retaining two investment properties and liquidating properties. They also emphasize the importance of securing a stable home for retirement and discuss retirement age and the benefits of using superannaged funds. They suggest liquidating old primary residence mortgages and offer to consider other options for liquidating assets. They schedule a call for next week to discuss further."},"intents":{"segments":[{"text":"So the whole point of my call today was, I guess, to just clarify a few details and from an advice perspective, just gain a little bit of an insight as to where and which direction you would wanna, like, head.","start_word":88,"end_word":128,"intents":[{"intent":"Clarify information","confidence_score":0.076653935},{"intent":"Understand purpose","confidence_score":0.0047585755},{"intent":"Obtain insights","confidence_score":0.00495525},{"intent":"Determine desired direction","confidence_score":0.023077779}]},{"text":"And then you're renting at the moment, if I'm not mistaken. I'm renting at home, and I rent to my workplace. Perfect.","start_word":156,"end_word":177,"intents":[{"intent":"Inquire about renting preference and preference","confidence_score":6.013608e-11}]},{"text":"Would you ever move into, like, the residential investment or not interested in where it's located?","start_word":221,"end_word":236,"intents":[{"intent":"Determine interest in investment properties","confidence_score":0.05258314},{"intent":"Determine preferred location","confidence_score":0.10433922}]},{"text":"So I guess outside of that, our main focus is just kind of building where your current superannuation is and seeing whether we can, I guess, better align its current investments to be in a position to actually garner you more of an income for your retirement and then what your assets may look like for you to actually retire on?","start_word":862,"end_word":922,"intents":[{"intent":"Discuss retirement goals","confidence_score":0.0290328}]},{"text":"Is 67 the actual age you're looking to retire at, or is that just an age that you believe is retirement age?","start_word":939,"end_word":960,"intents":[{"intent":"Determine retirement age","confidence_score":0.053255305},{"intent":"Discuss retirement age","confidence_score":0.0099392915}]},{"text":"Because we are pushing closer to 60, would you ever consider using your superannuation balance to pay off as an exit strategy to a mortgage on a primary residence knowing that you would then be living solely on government pension?","start_word":1090,"end_word":1129,"intents":[{"intent":"Discuss superannuation balance","confidence_score":0.012396785},{"intent":"Use government pension","confidence_score":0.000008875067}]},{"text":"Because, like, theoretically, like, if you were to get get a home, you're looking at standard, generally, a thirty year mortgage. Obviously, you can drop it to twenty five, twenty, ten years, but, obviously, you have to make the repayments on that that kind of mortgage.","start_word":1138,"end_word":1183,"intents":[{"intent":"Discuss mortgage repayments","confidence_score":0.0014706618}]},{"text":"It would get sold, pay off whatever debt was owed to it, and then would pay for the mortgage on your primary residence, therefore, allowing you to retire no income, debt free.","start_word":1238,"end_word":1269,"intents":[{"intent":"Inform about current plan","confidence_score":0.0000714957}]},{"text":"And then I guess as, you know, in the future as we move along, we can definitely open up to, I guess, other strategies with respect to possible liquidation of assets like the properties to purchase you that PPR or or, you know, look at how we can get you into that that primary place.","start_word":1531,"end_word":1585,"intents":[{"intent":"Review investment strategy","confidence_score":0.000013515914}]}]},"sentiments":{"segments":[{"text":"Hello? Is that Larissa? Hi. Yes. Sorry, Catherine. I'm not sure what happened just then. Gremlins. Yeah. So the answer the call picked up, and there was just nothing on the other end. How's your day going? You sound like you've you well, you you were having a bit of a day this morning. Bit busy. Yeah. It's always like that. I'm a sole trader in my own business, so I have very, very little time. So we need to talk quickly. I'm all about talking quick.","start_word":0,"end_word":86,"sentiment":"neutral","sentiment_score":-0.005101914517581463},{"text":"Perfect.","start_word":87,"end_word":87,"sentiment":"positive","sentiment_score":0.5893795490264893},{"text":"So the whole point of my call today was, I guess, to just clarify a few details and from an advice perspective, just gain a little bit of an insight as to where and which direction you would wanna, like, head. So as I understand, we are currently like, we we have the the two investment properties. We have the residential and then we have the commercial. Mhmm. And then you're renting at the moment, if I'm not mistaken. I'm renting at home, and I rent to my workplace.","start_word":88,"end_word":176,"sentiment":"neutral","sentiment_score":0.15307259559631348},{"text":"Perfect.","start_word":177,"end_word":177,"sentiment":"positive","sentiment_score":0.3593364357948303},{"text":"And then with with renting the whole like, I guess, moving forward, what we want to be able to do is end up buying a PPR or a primary price place of residence as well Correct. as Yep. the two investment properties. Cool. Would you ever move into, like, the residential investment or not interested in where it's located? I I would not like to live there, but if push comes to shove, that's what I'll have to do. Yeah. Alright. No. That that's okay. Just I guess it gives me parameters as to where you would want to head if you had to. So that's okay. Now with that, those those properties, the intention is to retain them. We're not looking to sell them anytime soon. We wanna keep them and have them as income moving forward. Yeah.","start_word":178,"end_word":316,"sentiment":"neutral","sentiment_score":0.0657987892627716},{"text":"They're not exactly income.","start_word":317,"end_word":320,"sentiment":"negative","sentiment_score":-0.40666308999061584},{"text":"They're just the residential one's paying itself off. The other one, I have to kick in $250 a week. Yep. So the commercial And no properties, no net yeah. The negative. commercial. And no one wants to buy it while it's tenanted, which it currently is. Okay. And do But when I does and I the if I wanted to sell it, if I want to sell anything, I would have to sell the factory first because that underpins the residential investment. okay. It's leveraged against it. Mhmm. Okay. No. That's okay. But no current desire to sell them. They're just standing properties at the moment. Yep. That's right. Okay. No. That's perfect. Okay. So in terms of, I guess, savings and and what you're putting away, are we are we saving anything at the moment, or is everything kinda going to our expenses, the properties, I put just $400 general living? a week away in superannuation. Cool. But anything, like, into, like, our, like, our our bank account as, like, a a little nest egg for ourselves for, say, a deposit for a home? No. Okay. But I wanna do some AI trading. Okay. Alright. So 400 a week that we put into through, but that's okay. And I guess outside of that, I know that you're wanting to make sure that you do keep yourself out of your car. So I I I wanna sort of make sure that you are, like, secure in the current home that you're renting. Yes. Yeah. Cool. Cool. No. That's good. And just to preface all of this, I married a man who gave away a quarter of $1,000,000 and left me with absolutely nothing and two children and nappies. Fair enough. So for the last couple of decades, because the the kids are older now, you've built yourself from Nothing. that to where you are now.","start_word":321,"end_word":635,"sentiment":"neutral","sentiment_score":-0.050032125253762515},{"text":"Yeah. You've done well.","start_word":636,"end_word":639,"sentiment":"positive","sentiment_score":0.4815137982368469},{"text":"I got a husband who needs them sometimes. Alright. So at the moment, I guess, we're focusing very much on the business. When we stop working, we wanna have a secure home that we can call a base, but we wanna be able to travel. You wanna just, I guess, have security in knowing that you can cover the basic bills, have that that trip away each year. But, otherwise, just live sort of, I guess, a comfortable standard life. Nothing too Correct. extravagant or crazy. Alright. Yep. Cool. And with your current, like, business, obviously, you stop working, the business stops. Yep. Amazing way. We don't have anyone else in the business that we work with? Nope. Alright. Amazing. So with respect to insurance outside of, I guess, business insurance, do No. you find, like, personal insurance something that's gonna be important for you being that if you aren't able to work, your income would cease? There is no point in paying all of that. If I'm not able to work, I would sell everything up and just dissolve the business. K. And then liquidate the properties as well. Yep. Okay. No. That's okay. Cool. So you're comfortable to to to liquidate everything and if the that event if that actually eventuated. So that's Yep. Yep. that's okay there. Alright.","start_word":640,"end_word":860,"sentiment":"neutral","sentiment_score":0.04062718152999878},{"text":"Perfect.","start_word":861,"end_word":861,"sentiment":"positive","sentiment_score":0.3786554336547851},{"text":"So I guess outside of that, our main focus is just kind of building where your current superannuation is and seeing whether we can, I guess, better align its current investments to be in a position to actually garner you more of an income for your retirement and then what your assets may look like for you to actually retire on? Yes. Now as I understand, we're not looking to retire for a for a while now. Is 67 the actual age you're looking to retire at, or is that just an age that you believe is retirement age? It's just it's just the number I picked. Yeah. No. That's okay.","start_word":862,"end_word":972,"sentiment":"neutral","sentiment_score":0.07650785195129411},{"text":"Cool.","start_word":973,"end_word":973,"sentiment":"positive","sentiment_score":0.3588980436325073},{"text":"Because a lot of people get confused about retirement age and, like, age that they can retire because, theoretically, anyone can retire at any way age, providing they could actually support themselves. Superannuation is accessible from 60 with some caveats, 65 with no caveats placed to it, and 67 is the age that the age pension becomes available from Centrelink, which is what a lot of people, I guess, hang their hat on as the the retirement age. But if you're comfortable with 67, obviously, if it changes or if life, you know, gives us a curveball or two, we can always sort of maneuver within that.","start_word":974,"end_word":1080,"sentiment":"neutral","sentiment_score":0.050926174968481064},{"text":"But that sounds that's perfectly acceptable on that front.","start_word":1081,"end_word":1089,"sentiment":"positive","sentiment_score":0.45036405324935913},{"text":"Because we are pushing closer to 60, would you ever consider using your superannuation balance to pay off as an exit strategy to a mortgage on a primary residence knowing that you would then be living solely on government pension? I hadn't thought of it like that. Yes. Because, like, theoretically, like, if you were to get get a home, you're looking at standard, generally, a thirty year mortgage. Obviously, you can drop it to twenty five, twenty, ten years, but, obviously, you have to make the repayments on that that kind of mortgage. So what a lot of mortgage brokers or lenders are looking for is kind of an exit strategy. So you have the assets that you currently hold being the two investment properties. They could be an exit strategy for that primary residence mortgage whereby one of those would get liquidated upon you retiring. It would get sold, pay off whatever debt was owed to it, and then would pay for the mortgage on your primary residence, therefore, allowing you to retire no income, debt free. Or, alternatively, sometimes what the lender will do is kind of hang their hat on the fact that, well, you have the asset available of your superannuation fund that can be utilized to pay for that mortgage in the event that you did retire. Because, generally, they don't like projecting out a mortgage further than 75, Mhmm. which would which would kind of hamstring you into kind of, you know, a seventeen year mortgage time frame, which is quite a short mortgage that would, you No. know, I only require owe a 100,000 on my residential. on the residential, yeah, I saw that a 100 and 107. So you've you've got quite a lot of equity within that property, which is good.","start_word":1090,"end_word":1390,"sentiment":"neutral","sentiment_score":0.0625220037736865},{"text":"That could definitely go towards paying for the majority of a of a home, which is which is nice.","start_word":1391,"end_word":1409,"sentiment":"positive","sentiment_score":0.459414541721344},{"text":"But, yes, I guess it's just about sort of, I guess, thinking about the the exit strategy position of purchasing another home. Because definitely the the equity that you hold within that property could go towards a deposit to allow you to buy, but age and ongoing income is definitely a factor in that in that realm. Are you wanting to sort of, I guess, move on a on a property for yourself soonish? No. No. It's just something that you wanna do, but it's not something you're immediately open to. That's right. Okay. No. That's okay. Alright. So what we can do is we can focus solely or more heavily on, like, the superannuation side of things right now. And then I guess as, you know, in the future as we move along, we can definitely open up to, I guess, other strategies with respect to possible liquidation of assets like the properties to purchase you that PPR or or, you know, look at how we can get you into that that primary place.","start_word":1410,"end_word":1584,"sentiment":"neutral","sentiment_score":0.0977633752993175},{"text":"So that way you're you're comfortable and and settled and you don't have that, you know, you don't have rent coming out or anything like that. You you have your own home to call yours as we move through.","start_word":1585,"end_word":1623,"sentiment":"positive","sentiment_score":0.3489967882633209},{"text":"Okay? But but Mhmm. what I'll do is I'll now that I guess I've I just I know a couple of those extra little tidbit information and and bits and pieces. I will take that away, and I'm gonna have a look at the superannuation side of things because I know you certainly have your funds with rest. I'll have a look at at that, tear apart where you currently sit with your investments inside rest and see what I can't come up with outside within, you know, alternative avenues available to you to to make sure that we can get you where we need to go to to ensure that you have an income. Because I know you were looking at sort of, like, a thousand dollars a week. So for sort of keeping your same kind of income now Mhmm. within your retirement. Okay? Mhmm.","start_word":1624,"end_word":1770,"sentiment":"neutral","sentiment_score":0.0865417942404747},{"text":"Alright. Perfect.","start_word":1771,"end_word":1772,"sentiment":"positive","sentiment_score":0.4284004867076874},{"text":"So I'll have a look at that. And I know you're busy, so I wanna sort of, I guess, schedule a time that works for you. When would be the best time to call next week?","start_word":1773,"end_word":1808,"sentiment":"neutral","sentiment_score":0.15033964812755585},{"text":"There is no good time.","start_word":1809,"end_word":1813,"sentiment":"negative","sentiment_score":-0.4808881282806397},{"text":"I I can't I No. have That's I'm yeah. open all the time, and I can't stop people coming in and needing me and whatever. Yeah. Nope. Totally So a bit fair. of Okay. Well, I'll I'll give you a call midweek potluck. next week and see how we land, and and we can see see how we go from there. Okay? Okay.","start_word":1814,"end_word":1876,"sentiment":"neutral","sentiment_score":0.019322452327561756},{"text":"Sure. Thanks, Larissa. Not a problem. Thanks, Catherine, for giving me a callback. Okay. Bye. Have a good Bye.","start_word":1877,"end_word":1895,"sentiment":"positive","sentiment_score":0.6062185168266296},{"text":"one. Bye.","start_word":1896,"end_word":1897,"sentiment":"neutral","sentiment_score":0.25641289353370667}],"average":{"sentiment":"neutral","sentiment_score":0.06406706085610127}}}}