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Now Matthew, who I believe is your son, may have thrown you under the bus and told me to give you a call today because he would be in transit from work to home to have a bit of a chat. Perfect. Yep. Mhmm. Yeah. Cool. Absolutely. Alright. So there's a couple of things at play. One, by the sounds of it, your home is a primary residence. Can I ask, has it always been your home? Have you ever invested like, had it as an investment property, anything like that? Nope. Cool. So it is capital gains exempt, which means that you won't pay any tax, like capital gains tax, upon the sale of that property. You will just be able to, obviously, with any sales commissions and transfer obligations, solicitous fees, stuff like that do obviously come out. But, essentially speaking, whatever you sell it for less those fees is what you're gonna end up with. So there's no tax implications that you're going to see from that. So that's great. Now if you were to downsize and buy another house I mean, irrespective, even if you were to go in with Matthew and his wife and and and and move into another house, you could still claim downsizing. And there's still things that you can do with that money if there is money left over. It just depends on, I guess, when when it comes down to it, what you sell the house for, what you're gonna have left over after buying the new house. Because if you buy the house in Harvey Bay, as you said, you'll have about 400,000 left over. Do you know what what the scenario is if you buy out at Logan Village? Okay. So it'll be a little bit less in our pocket. Okay. So I guess excluding and ignoring Matthew as a whole scenario, which which avenue works for you? Which one do you, I guess, socially see as more beneficial? Not financially, but socially. You you haven't really considered the that side of things? Or okay. Because you're staying local. You still have access to the doctors and anything else that you guys have around you. Yep. Can I ask where are you guys currently? Okay. Cool. Cool. Cool. So it's not too too far away from where you're currently at. Okay. So in either scenario, there are a few things that we need to consider. If you I'll run through a full scenario, like, one of them, and then I'll flip to the other rather than hopping back and forwards. The sale of the house, that's obviously who you get involved is obviously a real estate agent if you wanna go through a real estate agent or you can do it personally. Real estate agents in Arundel, you're looking at around 2.7% for a commission fee. So on your 1.4 mil, it kinda gets up there into the, you know, $50 type of category, but they take care of everything on that front. Once it's sold, there's a few avenues that you have available. Within ninety days of you selling the property, depending on what you wanna do with the money, and that's where a financial adviser does and can step in depending on the goals that you want, which in this instance would sort of be my role, is planning where that that money can go to give you longevity and to help with Centrelink benefits and to help with, you know, ongoing income planning. There's a few different avenues that you can take to quarantine and protect that money. Outside of that, one of the probably more not more important, but most important things is depending on which avenue you take. So if we go up to Hervey Bay and we we buy a house just yourself and your husband, that's obviously gonna be your asset, your asset alone. If something happens to either one of you, the other one will obviously own that asset, vice versa. Upon both of you passing, that asset would form part of your estate, and your will is going to dictate where the asset goes. If either of you need aged care or any kind of care arrangements in the future, from a planning perspective, it you know, the house could be used as collateral. It could be sold to fund you moving into an aged care facility. If you were to go in on the other side with Matthew, essentially, there are four owners of a a property. How you purchase a property is important because by the sounds that you have more than one child. Am I correct? You have a daughter? Yes. Yep. Two daughters. Cool. Cool. Cool. So three kids total. Oh, two kids, Matthew and your daughter. Cool. So if you were to buy the house, there's two ways that you can buy a property, either tenants in common or joint tenants. And it's all come all comes down to how you do the paperwork when you purchase it with your solicitor or your conveyancer. And one of it's it's it's a really important thing that you need to consider when you're buying a house with multiple people in this situation. It was just you and your husband. You know, it's it's still important. It becomes more important the older we get. It is still an important thing because we wanna make sure that, you know, the house goes to the people we want the house to go to. Now if when you if you when you buy the house so I always mix these up. I don't know why. They're the same thing, but they're not the same thing. So joint tenants are where you both equally own the property. So Linda owns a 100%, Matthew owns a 100%, Matthew's wife owns a 100%, and Linda's husband owns a 100%. I'm sorry. I don't know everyone else's name. So all four of you own a 100% of the property. So it means that if anyone was to pass away, irrespective of who that was, the other three parties continue to own a 100%. Okay? As tenants in common, what happen is you all have a defined share of the property. So I I e, you could earn 25%, your husband owns 25%, Matthew earns 25%, and Matthew's wife owns 25%. So it means that if anyone was to pass away, the 25% ownership that belonged to that individual would actually form part of their estate. So for example, if you or your husband were to pass away, that share in that house would go through to your estate and could be and from your estate could be decided on you know, your will would govern what happens. So it could mean that your daughter actually ends up getting a share of that house as well, not just it going fully through to your son. Because that that's a consideration. It's because you're you're gonna put so much of this money into you're basically gonna be putting over a million dollars into this house. What do you want to happen with that million dollars upon your upon you dying? Do you want it all to go to Matthew, or do we want some of the funds to go to your daughter as well? Yeah. Yep. And he wouldn't necessarily have to be forced to sell it. He would possibly be forced to take out a loan to pay her out, and that's kind of where would sit, is that your ownership so yours and your husband's ownership of that property would be would would basically be hit the estate, and the estate or the the will could stipulate that, you know, Matthew doesn't have to move out of the house. You have survivorship rights written into it. That that whole portion of buying the house if you bought it shared and how you and your husband would write your wills, and in turn, obviously, Matthew and his wife would need to probably do something similar. If anything happened to them while they're young, things happen, unfortunately, is that you would sit down with a with an estate lawyer, and you would go through and be like, look. These are our wishes. This is what we want to happen. You know, if anything happens to to to yourself, you want, basically, maybe your house you you could dictate that your estate transfers to your husband and your husband's transfers to you. So, basically, your percentage of the asset transfers to each other. So that way, while both like, while one of you were alive and living in that house, the money doesn't go to the estate. And then as a second sort of bracket is that if me like, if if the opposite person is no longer alive, then it goes to the estate, and then your daughter would have like, your daughter and your son would have to, you know, mortgage buyout daughter. So that that kind of planning in buying a a shared house to this degree would be something that you would definitely need to sit down with a lawyer and talk about to make sure that it was nice and smooth in the estate planning side of things. But in terms of, I guess, longevity of the money, what to do with the money that's left over from the sale, that comes from someone like myself where I could sit down and and you're only at Arundel, so I could you you could come into the office and we could we could meet with both you and your husband. I could meet with, you know, all four of you. And we could talk about I mean, essentially, from what you're saying, this money is gonna be yours, so it's it's planning for your longevity. But we could talk about what to do with that money, how to best tax effectively, make sure that it's gonna be there, and talk about how we make sure that the income you receive from any of your assets moving forward is going to work for you. So how is your lifestyle change going to affect CenturyLink? Is it going to affect CenturyLink? You know, with the lump sum of money that you receive, what do we need to do from there? So oh, I mean, we can start the conversation now. That's absolutely okay. I know Matthew kind of dumped it on you. So no. But yeah. It's Yeah. May I ask how old are you and your husband? Yep. Okay. Perfect. And you're still working part time at the moment? Pretty pretty full. Yep. Pretty full time. Cool. And sources of income for you guys as a household at the moment would be, obviously, your employment income, but your husband is receiving, like, Centrelink or income from Super Investments. Yep. Yep. Yep. Weekly. Okay. And then your income do you know what your income is per pay cycle? $1.03. Yes. Yep. So do you receive a UK pension as well? No. Okay. Cool. So yeah. Absolutely. So $13.46, and that is what he receives from Centrelink, what he receives from UK pension, and your income per week. Yep. Cool. Cool. Cool. Yeah. So 1,400 was a pretty good ballpark. Alright. And that's currently what you're comfortable living on? Yep. Okay. K. So what so value of a home is, as you said, something somewhere sitting around the 1.4 ish. And then what's the loan that we have on the property? Yep. Okay. So the offset plus a small portion from the sale of the property would clear that out quite comfortably. Very comfortably. Okay. And then from that, you we've got basically, the remainder of the money even if we round it to about 1.3 by the time all the fees and transfer duties and solicitor and real estate agent are all paid for. 1.3 left. We'd be putting in sort of, what, about $900,000 into Yep. His does? Yep. Okay. So $8.50 to 900 and then roughly ballparking his mortgage, if you could. Okay. So 350,000 left. So so then you guys would and then do you know what the property amount that you're looking to, I guess, buy out there? Okay. Okay. So if we were to go and do that, you guys would have a larger portion share than Matthew would. Yep. So buying a tenant in common with you and your husband having a larger share would make sense. Mhmm. Tenants in common. Yeah. Yep. Sitting down and talking with your solicitor is definitely a way to go, but realistically speaking, I guess, just based on vibes of this conversation alone, making sure that your daughter gets some of the assets, tenants in common is probably more towards the way you wanna go. And all it's just gonna mean is that is that your daughter is actually gonna be able to get some of the estate. Because realistically speaking, like, if I actually do the math out on this So let's just go 1,300,000 by the time you pay out your mortgage. Let's just go $8.50 for him, which will leave him with 500,000. By the time he pays for all the sales, it'll probably leave him with about 450,000 in cash. Why didn't I round the numbers to make it easy for myself? Right. That's okay. Cool. So, realistically speaking, we'll have about 1.75 to play with to buy the property. So we'll still have a little bit left over. It just depends on how much each of you end up putting in. So if we kind of put it to the degree where we each have some money left over, then you guys are gonna end up with more than, like, more than you guys will end up with basically more than two thirds of the property ownership. Like, if I just not consider four individual people and just consider two couples, it'll basically I guess, it it can come down to you'll have a third, your husband will have a third, and then between Matthew and his wife, they'll kind of have a third ish ish. It's you guys will have more than two thirds, but if we're just ballparking it. And you can definitely operate it that way because it's just it's percentage based of who owns what. And then what will happen is, realistically, you like, you could have that upon, like, upon one of you and your husband passing away, it goes to the other person. Once both of you have passed away, half of the ownership of the property goes to Matthew, and the other half of the ownership goes to your daughter. And then solicitor will have to kind of talk about how that can work. Because, theoretically, yes, if Matthew cannot service a loan at that time to buy your daughter out, it could mean that he has to sell the house to buy her out. It could it can, yeah, it can turn narcissistic, and it it can turn really catty if anything happens. But in saying that, there will be decent equity in the house. Like, we're we're not we're not gonna have, like, we're not gonna have a loan on a property like that. The other the other option is is that Matthew could look at taking out a loan. So on the $1,500,000, like, purchase, you you both go in evenly. It means that in the future, like because that's always that's always an option is that you guys front the cash equity. It leaves you with more cash on the on the on the back end, and then Matthew could could go in with what he has as a cash equity and then get a mortgage. I still wouldn't joint tenants it because that means it goes completely to Matthew upon your death. I would I would still, like realistically and honestly, if I'm if I'm just if I'm gonna be brutally honest, I would go with tenants in common, full stop, and a story. It's just dependent on how much you each actually hold as an ownership share is what it's gonna come down to. Because if you go with joint tenants, Matthew gets the property, your daughter gets nothing. Yeah. Unless there's unless there's something else that you guys own that you that is of of equivalent share that you're happy for her to have, then by all means. But otherwise, your daughter gets nothing. And that would that that's a little bit of favoritism. I have three kids, so I get it. So yeah. So it just it just depended on how you guys actually purchased the property. And then a a a bit of a conversation with Matthew, which is why like, if you guys do wanna go into, like, advice, which I can definitely do, we can talk about longevity of income, where to put the money when we sell the house, how to, you know, nestle it away. You obviously have a job here in Australia. So you have a super fund. Super funds are a a great tax effective structure. So it could be a matter of, like, squirreling the money away there. You you know, it can be done tax effectively. It can be done just to, you know, put the money away so that way it's sort of sheltered a little bit. It just it all depends on depends on realistically what you wanna get out of it. But if I if we have a conversation with all four of us or even if it's just yourself and Matthew and myself to talk a little bit about, I guess, both sides of the of the house purchase and what Matthew is willing to do, what you're willing to do, because it it might be it might work out well for you if Matthew just goes and gets another loan. Yep. Yeah. You wanna you wanna have it Yep. Okay. And I'm just gonna so, like, I there is definitely an accent there for you. You are from The UK as well. Are you not? Cool. But do you have access to any form of UK pension in the future? Okay. Yep. Absolutely, sir. Cool. Yep. Yep. Yep. Fair enough. No. Okay. Cool. So we can sit down. We can talk more to that degree, but it's gonna come down to probably the four of you sitting down, having a conversation about, like, ownership shares and how much each of you are coming to the party with to go and buy that property. And you guys just being forthcoming with the fact that, yeah, no. Like, after we pass away, we wanna make sure that your sister is going to end up with some of our estate. Our estate is this house. You're gonna have to buy her out of this house. We wanna buy it as tenants in common. The choice now is do does Matthew and his wife get a loan? So that way they can have equal or more than equal shares. Because theoretically, if they got a loan for a decent amount, they could have a higher share of the property. It'll leave you guys with more cash, so on and so forth. Yep. Yeah. So our initial consultation is completely for free. We don't charge a fee. So just for us to sit down and have a conversation, sometimes I feel like I'm more of a mediator than anything else From there, if we implement any of the advice, we do charge a fee. So it depends on where the advice is aimed at. Something to this degree would be $2,200, where we would be looking at, you know, cash flow structures and stuff like that. And that would be payable before the advice is delivered just because of what the scope of the advice is. And that could just be invoiced as a as a cash payment. If you wanted ongoing advice, so if we, you know, say, looked at invest, like, changing superannuation companies, investing super, you know, tax reduction, cash flow ongoing, stuff like that, then we can you know, we'd talk about what that looks like when the advice was delivered. But that's all just kinda dependent on on that sort of time frame or that, sorry, scope of advice. Yeah. Absolutely. We I can look at investigating, like, investment options. I can look at, like, estate planning options. So if you wanna specifically put money away for estate planning purposes, if you wanted to look at tax effective assets or if we, you know, we want to look at which is probably realistically the avenue we're gonna look at is longevity of cash flow. Yep. Have nothing. Yeah. No. We plan for as long as we can, but yes. No. Absolutely. No. It's okay. No. My pleasure. Once you sit down and have a chat with Matt and well, Matthew, and and kind of have a bit more of an open conversation now that you have a bit more information. If you Matthew has my email address, so feel free to flick an email through. If Matthew has any more questions, feel free to do so. Or if you guys just wanna come into the office, yeah, just send me an email and we can organize a time, and we can sit down whether it's yourself and Matthew or whether it's all four of us, either either way. We're five of us, I guess. Either either way, we can do that. We can have a nice coffee and go from there. No. Absolutely. My pleasure. You too, Linda. 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Linda. My name is Larissa from Oakview Financial. How are you going? Really good. Thank you.\n\nNow Matthew, who I believe is your son, may have thrown you under the bus and told me to give you a call today because he would be in transit from work to home to have a bit of a chat. Perfect. Yep. Mhmm. Yeah.\n\nCool. Absolutely. Alright. So there's a couple of things at play. One, by the sounds of it, your home is a primary residence.\n\nCan I ask, has it always been your home? Have you ever invested like, had it as an investment property, anything like that? Nope. Cool. So it is capital gains exempt, which means that you won't pay any tax, like capital gains tax, upon the sale of that property.\n\nYou will just be able to, obviously, with any sales commissions and transfer obligations, solicitous fees, stuff like that do obviously come out. But, essentially speaking, whatever you sell it for less those fees is what you're gonna end up with. So there's no tax implications that you're going to see from that. So that's great. Now if you were to downsize and buy another house I mean, irrespective, even if you were to go in with Matthew and his wife and and and and move into another house, you could still claim downsizing.\n\nAnd there's still things that you can do with that money if there is money left over. It just depends on, I guess, when when it comes down to it, what you sell the house for, what you're gonna have left over after buying the new house. Because if you buy the house in Harvey Bay, as you said, you'll have about 400,000 left over. Do you know what what the scenario is if you buy out at Logan Village? Okay.\n\nSo it'll be a little bit less in our pocket. Okay. So I guess excluding and ignoring Matthew as a whole scenario, which which avenue works for you? Which one do you, I guess, socially see as more beneficial? Not financially, but socially.\n\nYou you haven't really considered the that side of things? Or okay. Because you're staying local. You still have access to the doctors and anything else that you guys have around you. Yep.\n\nCan I ask where are you guys currently? Okay. Cool. Cool. Cool.\n\nSo it's not too too far away from where you're currently at. Okay. So in either scenario, there are a few things that we need to consider. If you I'll run through a full scenario, like, one of them, and then I'll flip to the other rather than hopping back and forwards. The sale of the house, that's obviously who you get involved is obviously a real estate agent if you wanna go through a real estate agent or you can do it personally.\n\nReal estate agents in Arundel, you're looking at around 2.7% for a commission fee. So on your 1.4 mil, it kinda gets up there into the, you know, $50 type of category, but they take care of everything on that front. Once it's sold, there's a few avenues that you have available. Within ninety days of you selling the property, depending on what you wanna do with the money, and that's where a financial adviser does and can step in depending on the goals that you want, which in this instance would sort of be my role, is planning where that that money can go to give you longevity and to help with Centrelink benefits and to help with, you know, ongoing income planning. There's a few different avenues that you can take to quarantine and protect that money.\n\nOutside of that, one of the probably more not more important, but most important things is depending on which avenue you take. So if we go up to Hervey Bay and we we buy a house just yourself and your husband, that's obviously gonna be your asset, your asset alone. If something happens to either one of you, the other one will obviously own that asset, vice versa. Upon both of you passing, that asset would form part of your estate, and your will is going to dictate where the asset goes. If either of you need aged care or any kind of care arrangements in the future, from a planning perspective, it you know, the house could be used as collateral.\n\nIt could be sold to fund you moving into an aged care facility. If you were to go in on the other side with Matthew, essentially, there are four owners of a a property. How you purchase a property is important because by the sounds that you have more than one child. Am I correct? You have a daughter?\n\nYes. Yep. Two daughters. Cool. Cool.\n\nCool. So three kids total. Oh, two kids, Matthew and your daughter. Cool. So if you were to buy the house, there's two ways that you can buy a property, either tenants in common or joint tenants.\n\nAnd it's all come all comes down to how you do the paperwork when you purchase it with your solicitor or your conveyancer. And one of it's it's it's a really important thing that you need to consider when you're buying a house with multiple people in this situation. It was just you and your husband. You know, it's it's still important. It becomes more important the older we get.\n\nIt is still an important thing because we wanna make sure that, you know, the house goes to the people we want the house to go to. Now if when you if you when you buy the house so I always mix these up. I don't know why. They're the same thing, but they're not the same thing. So joint tenants are where you both equally own the property.\n\nSo Linda owns a 100%, Matthew owns a 100%, Matthew's wife owns a 100%, and Linda's husband owns a 100%. I'm sorry. I don't know everyone else's name. So all four of you own a 100% of the property. So it means that if anyone was to pass away, irrespective of who that was, the other three parties continue to own a 100%.\n\nOkay? As tenants in common, what happen is you all have a defined share of the property. So I I e, you could earn 25%, your husband owns 25%, Matthew earns 25%, and Matthew's wife owns 25%. So it means that if anyone was to pass away, the 25% ownership that belonged to that individual would actually form part of their estate. So for example, if you or your husband were to pass away, that share in that house would go through to your estate and could be and from your estate could be decided on you know, your will would govern what happens.\n\nSo it could mean that your daughter actually ends up getting a share of that house as well, not just it going fully through to your son. Because that that's a consideration. It's because you're you're gonna put so much of this money into you're basically gonna be putting over a million dollars into this house. What do you want to happen with that million dollars upon your upon you dying? Do you want it all to go to Matthew, or do we want some of the funds to go to your daughter as well?\n\nYeah. Yep. And he wouldn't necessarily have to be forced to sell it. He would possibly be forced to take out a loan to pay her out, and that's kind of where would sit, is that your ownership so yours and your husband's ownership of that property would be would would basically be hit the estate, and the estate or the the will could stipulate that, you know, Matthew doesn't have to move out of the house. You have survivorship rights written into it.\n\nThat that whole portion of buying the house if you bought it shared and how you and your husband would write your wills, and in turn, obviously, Matthew and his wife would need to probably do something similar. If anything happened to them while they're young, things happen, unfortunately, is that you would sit down with a with an estate lawyer, and you would go through and be like, look. These are our wishes. This is what we want to happen. You know, if anything happens to to to yourself, you want, basically, maybe your house you you could dictate that your estate transfers to your husband and your husband's transfers to you.\n\nSo, basically, your percentage of the asset transfers to each other. So that way, while both like, while one of you were alive and living in that house, the money doesn't go to the estate. And then as a second sort of bracket is that if me like, if if the opposite person is no longer alive, then it goes to the estate, and then your daughter would have like, your daughter and your son would have to, you know, mortgage buyout daughter. So that that kind of planning in buying a a shared house to this degree would be something that you would definitely need to sit down with a lawyer and talk about to make sure that it was nice and smooth in the estate planning side of things. But in terms of, I guess, longevity of the money, what to do with the money that's left over from the sale, that comes from someone like myself where I could sit down and and you're only at Arundel, so I could you you could come into the office and we could we could meet with both you and your husband.\n\nI could meet with, you know, all four of you. And we could talk about I mean, essentially, from what you're saying, this money is gonna be yours, so it's it's planning for your longevity. But we could talk about what to do with that money, how to best tax effectively, make sure that it's gonna be there, and talk about how we make sure that the income you receive from any of your assets moving forward is going to work for you. So how is your lifestyle change going to affect CenturyLink? Is it going to affect CenturyLink?\n\nYou know, with the lump sum of money that you receive, what do we need to do from there? So oh, I mean, we can start the conversation now. That's absolutely okay. I know Matthew kind of dumped it on you. So no.\n\nBut yeah. It's Yeah. May I ask how old are you and your husband? Yep. Okay.\n\nPerfect. And you're still working part time at the moment? Pretty pretty full. Yep. Pretty full time.\n\nCool. And sources of income for you guys as a household at the moment would be, obviously, your employment income, but your husband is receiving, like, Centrelink or income from Super Investments. Yep. Yep. Yep.\n\nWeekly. Okay. And then your income do you know what your income is per pay cycle? $1.03. Yes.\n\nYep. So do you receive a UK pension as well? No. Okay. Cool.\n\nSo yeah. Absolutely. So $13.46, and that is what he receives from Centrelink, what he receives from UK pension, and your income per week. Yep. Cool.\n\nCool. Cool. Yeah. So 1,400 was a pretty good ballpark. Alright.\n\nAnd that's currently what you're comfortable living on? Yep. Okay. K. So what so value of a home is, as you said, something somewhere sitting around the 1.4 ish.\n\nAnd then what's the loan that we have on the property? Yep. Okay. So the offset plus a small portion from the sale of the property would clear that out quite comfortably. Very comfortably.\n\nOkay. And then from that, you we've got basically, the remainder of the money even if we round it to about 1.3 by the time all the fees and transfer duties and solicitor and real estate agent are all paid for. 1.3 left. We'd be putting in sort of, what, about $900,000 into Yep. His does?\n\nYep. Okay. So $8.50 to 900 and then roughly ballparking his mortgage, if you could. Okay. So 350,000 left.\n\nSo so then you guys would and then do you know what the property amount that you're looking to, I guess, buy out there? Okay. Okay. So if we were to go and do that, you guys would have a larger portion share than Matthew would. Yep.\n\nSo buying a tenant in common with you and your husband having a larger share would make sense. Mhmm. Tenants in common. Yeah. Yep.\n\nSitting down and talking with your solicitor is definitely a way to go, but realistically speaking, I guess, just based on vibes of this conversation alone, making sure that your daughter gets some of the assets, tenants in common is probably more towards the way you wanna go. And all it's just gonna mean is that is that your daughter is actually gonna be able to get some of the estate. Because realistically speaking, like, if I actually do the math out on this So let's just go 1,300,000 by the time you pay out your mortgage. Let's just go $8.50 for him, which will leave him with 500,000. By the time he pays for all the sales, it'll probably leave him with about 450,000 in cash.\n\nWhy didn't I round the numbers to make it easy for myself? Right. That's okay. Cool. So, realistically speaking, we'll have about 1.75 to play with to buy the property.\n\nSo we'll still have a little bit left over. It just depends on how much each of you end up putting in. So if we kind of put it to the degree where we each have some money left over, then you guys are gonna end up with more than, like, more than you guys will end up with basically more than two thirds of the property ownership. Like, if I just not consider four individual people and just consider two couples, it'll basically I guess, it it can come down to you'll have a third, your husband will have a third, and then between Matthew and his wife, they'll kind of have a third ish ish. It's you guys will have more than two thirds, but if we're just ballparking it.\n\nAnd you can definitely operate it that way because it's just it's percentage based of who owns what. And then what will happen is, realistically, you like, you could have that upon, like, upon one of you and your husband passing away, it goes to the other person. Once both of you have passed away, half of the ownership of the property goes to Matthew, and the other half of the ownership goes to your daughter. And then solicitor will have to kind of talk about how that can work. Because, theoretically, yes, if Matthew cannot service a loan at that time to buy your daughter out, it could mean that he has to sell the house to buy her out.\n\nIt could it can, yeah, it can turn narcissistic, and it it can turn really catty if anything happens. But in saying that, there will be decent equity in the house. Like, we're we're not we're not gonna have, like, we're not gonna have a loan on a property like that. The other the other option is is that Matthew could look at taking out a loan. So on the $1,500,000, like, purchase, you you both go in evenly.\n\nIt means that in the future, like because that's always that's always an option is that you guys front the cash equity. It leaves you with more cash on the on the on the back end, and then Matthew could could go in with what he has as a cash equity and then get a mortgage. I still wouldn't joint tenants it because that means it goes completely to Matthew upon your death. I would I would still, like realistically and honestly, if I'm if I'm just if I'm gonna be brutally honest, I would go with tenants in common, full stop, and a story. It's just dependent on how much you each actually hold as an ownership share is what it's gonna come down to.\n\nBecause if you go with joint tenants, Matthew gets the property, your daughter gets nothing. Yeah. Unless there's unless there's something else that you guys own that you that is of of equivalent share that you're happy for her to have, then by all means. But otherwise, your daughter gets nothing. And that would that that's a little bit of favoritism.\n\nI have three kids, so I get it. So yeah. So it just it just depended on how you guys actually purchased the property. And then a a a bit of a conversation with Matthew, which is why like, if you guys do wanna go into, like, advice, which I can definitely do, we can talk about longevity of income, where to put the money when we sell the house, how to, you know, nestle it away. You obviously have a job here in Australia.\n\nSo you have a super fund. Super funds are a a great tax effective structure. So it could be a matter of, like, squirreling the money away there. You you know, it can be done tax effectively. It can be done just to, you know, put the money away so that way it's sort of sheltered a little bit.\n\nIt just it all depends on depends on realistically what you wanna get out of it. But if I if we have a conversation with all four of us or even if it's just yourself and Matthew and myself to talk a little bit about, I guess, both sides of the of the house purchase and what Matthew is willing to do, what you're willing to do, because it it might be it might work out well for you if Matthew just goes and gets another loan. Yep. Yeah. You wanna you wanna have it Yep.\n\nOkay. And I'm just gonna so, like, I there is definitely an accent there for you. You are from The UK as well. Are you not? Cool.\n\nBut do you have access to any form of UK pension in the future? Okay. Yep. Absolutely, sir. Cool.\n\nYep. Yep. Yep. Fair enough. No.\n\nOkay. Cool. So we can sit down. We can talk more to that degree, but it's gonna come down to probably the four of you sitting down, having a conversation about, like, ownership shares and how much each of you are coming to the party with to go and buy that property. And you guys just being forthcoming with the fact that, yeah, no.\n\nLike, after we pass away, we wanna make sure that your sister is going to end up with some of our estate. Our estate is this house. You're gonna have to buy her out of this house. We wanna buy it as tenants in common. The choice now is do does Matthew and his wife get a loan?\n\nSo that way they can have equal or more than equal shares. Because theoretically, if they got a loan for a decent amount, they could have a higher share of the property. It'll leave you guys with more cash, so on and so forth. Yep. Yeah.\n\nSo our initial consultation is completely for free. We don't charge a fee. So just for us to sit down and have a conversation, sometimes I feel like I'm more of a mediator than anything else From there, if we implement any of the advice, we do charge a fee. So it depends on where the advice is aimed at. Something to this degree would be $2,200, where we would be looking at, you know, cash flow structures and stuff like that.\n\nAnd that would be payable before the advice is delivered just because of what the scope of the advice is. And that could just be invoiced as a as a cash payment. If you wanted ongoing advice, so if we, you know, say, looked at invest, like, changing superannuation companies, investing super, you know, tax reduction, cash flow ongoing, stuff like that, then we can you know, we'd talk about what that looks like when the advice was delivered. But that's all just kinda dependent on on that sort of time frame or that, sorry, scope of advice. Yeah.\n\nAbsolutely. We I can look at investigating, like, investment options. I can look at, like, estate planning options. So if you wanna specifically put money away for estate planning purposes, if you wanted to look at tax effective assets or if we, you know, we want to look at which is probably realistically the avenue we're gonna look at is longevity of cash flow. Yep.\n\nHave nothing. Yeah. No. We plan for as long as we can, but yes. No.\n\nAbsolutely. No. It's okay. No. My pleasure.\n\nOnce you sit down and have a chat with Matt and well, Matthew, and and kind of have a bit more of an open conversation now that you have a bit more information. If you Matthew has my email address, so feel free to flick an email through. If Matthew has any more questions, feel free to do so. Or if you guys just wanna come into the office, yeah, just send me an email and we can organize a time, and we can sit down whether it's yourself and Matthew or whether it's all four of us, either either way. We're five of us, I guess.\n\nEither either way, we can do that. We can have a nice coffee and go from there. No. Absolutely. My pleasure.\n\nYou too, Linda. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Linda.","start":3.12,"end":4.08,"sentiment":"neutral","sentiment_score":0.14643733203411102},{"text":"My name is Larissa from Oakview Financial.","start":4.08,"end":5.8399997,"sentiment":"neutral","sentiment_score":0.15608286431857518},{"text":"How are you going?","start":5.8399997,"end":6.66,"sentiment":"neutral","sentiment_score":0.1994892917573452},{"text":"Really good.","start":10.0,"end":10.8,"sentiment":"positive","sentiment_score":0.6464880406856537},{"text":"Thank you.","start":10.8,"end":11.62,"sentiment":"positive","sentiment_score":0.5781395733356476}],"sentiment":"neutral","sentiment_score":0.2725098299629548,"num_words":17,"start":3.12,"end":11.62},{"sentences":[{"text":"Now Matthew, who I believe is your son, may have thrown you under the bus and told me to give you a call today because he would be in transit from work to home to have a bit of a chat.","start":12.315,"end":23.695,"sentiment":"neutral","sentiment_score":-0.05960516595258945},{"text":"Perfect.","start":31.1,"end":31.6,"sentiment":"neutral","sentiment_score":0.29688820242881775},{"text":"Yep.","start":35.98,"end":36.48,"sentiment":"neutral","sentiment_score":0.058693643659353256},{"text":"Mhmm.","start":50.405,"end":50.905,"sentiment":"neutral","sentiment_score":-0.11455856263637544},{"text":"Yeah.","start":99.875,"end":100.375,"sentiment":"neutral","sentiment_score":-0.11662328243255617}],"sentiment":"neutral","sentiment_score":-0.05154248451193174,"num_words":45,"start":12.315,"end":100.375},{"sentences":[{"text":"Cool.","start":109.17,"end":109.649994,"sentiment":"neutral","sentiment_score":0.15156656503677368},{"text":"Absolutely.","start":109.649994,"end":110.149994,"sentiment":"neutral","sentiment_score":0.1436011642217636},{"text":"Alright.","start":110.369995,"end":110.869995,"sentiment":"neutral","sentiment_score":0.07846787571907043},{"text":"So there's a couple of things at play.","start":111.25,"end":115.03,"sentiment":"neutral","sentiment_score":0.017954359529539943},{"text":"One, by the sounds of it, your home is a primary residence.","start":117.25,"end":121.354996,"sentiment":"neutral","sentiment_score":0.016691946114103}],"sentiment":"neutral","sentiment_score":0.03119886237318101,"num_words":23,"start":109.17,"end":121.354996},{"sentences":[{"text":"Can I ask, has it always been your home?","start":121.415,"end":124.134995,"sentiment":"neutral","sentiment_score":0.000992072228756216},{"text":"Have you ever invested like, had it as an investment property, anything like that?","start":124.134995,"end":127.91499,"sentiment":"neutral","sentiment_score":-0.007747967461390155},{"text":"Nope.","start":129.015,"end":129.515,"sentiment":"neutral","sentiment_score":-0.11549997329711914},{"text":"Cool.","start":129.97499,"end":130.455,"sentiment":"neutral","sentiment_score":0.10400673747062684},{"text":"So it is capital gains exempt, which means that you won't pay any tax, like capital gains tax, upon the sale of that property.","start":130.455,"end":139.82,"sentiment":"neutral","sentiment_score":0.11682035805036624}],"sentiment":"neutral","sentiment_score":0.05495209108125799,"num_words":49,"start":121.415,"end":139.82},{"sentences":[{"text":"You will just be able to, obviously, with any sales commissions and transfer obligations, solicitous fees, stuff like that do obviously come out.","start":140.28,"end":151.785,"sentiment":"neutral","sentiment_score":0.11675657040399054},{"text":"But, essentially speaking, whatever you sell it for less those fees is what you're gonna end up with.","start":152.405,"end":158.08499,"sentiment":"positive","sentiment_score":0.3560430192285114},{"text":"So there's no tax implications that you're going to see from that.","start":158.08499,"end":162.265,"sentiment":"positive","sentiment_score":0.4507983935376008},{"text":"So that's great.","start":162.325,"end":163.225,"sentiment":"positive","sentiment_score":0.8159202138582865},{"text":"Now if you were to downsize and buy another house I mean, irrespective, even if you were to go in with Matthew and his wife and and and and move into another house, you could still claim downsizing.","start":165.36,"end":184.355,"sentiment":"neutral","sentiment_score":0.08418632779074342}],"sentiment":"neutral","sentiment_score":0.21436805622850327,"num_words":94,"start":140.28,"end":184.355},{"sentences":[{"text":"And there's still things that you can do with that money if there is money left over.","start":185.055,"end":189.635,"sentiment":"neutral","sentiment_score":0.13843034426955617},{"text":"It just depends on, I guess, when when it comes down to it, what you sell the house for, what you're gonna have left over after buying the new house.","start":189.695,"end":199.68,"sentiment":"neutral","sentiment_score":0.017699425077686706},{"text":"Because if you buy the house in Harvey Bay, as you said, you'll have about 400,000 left over.","start":199.68,"end":203.295,"sentiment":"neutral","sentiment_score":0.025088586637543306},{"text":"Do you know what what the scenario is if you buy out at Logan Village?","start":203.535,"end":208.11499,"sentiment":"neutral","sentiment_score":-0.006497689709067345},{"text":"Okay.","start":211.61499,"end":211.935,"sentiment":"neutral","sentiment_score":-0.02057558111846447}],"sentiment":"neutral","sentiment_score":0.039726570834992106,"num_words":81,"start":185.055,"end":211.935},{"sentences":[{"text":"So it'll be a little bit less in our pocket.","start":211.935,"end":214.435,"sentiment":"neutral","sentiment_score":-0.09671142101287841},{"text":"Okay.","start":214.97499,"end":215.47499,"sentiment":"neutral","sentiment_score":0.043259501457214355},{"text":"So I guess excluding and ignoring Matthew as a whole scenario, which which avenue works for you?","start":216.015,"end":224.03,"sentiment":"neutral","sentiment_score":0.013965094571604449},{"text":"Which one do you, I guess, socially see as more beneficial?","start":224.03,"end":227.49,"sentiment":"neutral","sentiment_score":0.05096141282807697},{"text":"Not financially, but socially.","start":228.67,"end":230.43001,"sentiment":"neutral","sentiment_score":-0.08271526917815208}],"sentiment":"neutral","sentiment_score":-0.010621712478094323,"num_words":43,"start":211.935,"end":230.43001},{"sentences":[{"text":"You you haven't really considered the that side of things?","start":230.43001,"end":233.88501,"sentiment":"neutral","sentiment_score":-0.061306766048073766},{"text":"Or okay.","start":233.88501,"end":237.565,"sentiment":"neutral","sentiment_score":0.011327384039759636},{"text":"Because you're staying local.","start":237.565,"end":239.085,"sentiment":"neutral","sentiment_score":0.08003323338925838},{"text":"You still have access to the doctors and anything else that you guys have around you.","start":239.085,"end":243.505,"sentiment":"neutral","sentiment_score":0.11099428264424205},{"text":"Yep.","start":244.045,"end":244.53,"sentiment":"neutral","sentiment_score":0.06866472214460373}],"sentiment":"neutral","sentiment_score":0.0477058571396452,"num_words":33,"start":230.43001,"end":244.53},{"sentences":[{"text":"Can I ask where are you guys currently?","start":244.69,"end":246.31,"sentiment":"neutral","sentiment_score":0.02205310040153563},{"text":"Okay.","start":249.17,"end":249.56999,"sentiment":"neutral","sentiment_score":0.11022960394620895},{"text":"Cool.","start":249.56999,"end":249.81,"sentiment":"neutral","sentiment_score":0.21992284059524536},{"text":"Cool.","start":249.81,"end":249.97,"sentiment":"neutral","sentiment_score":0.2383040487766266},{"text":"Cool.","start":249.97,"end":250.13,"sentiment":"neutral","sentiment_score":0.22264377772808075}],"sentiment":"neutral","sentiment_score":0.08062708952153723,"num_words":12,"start":244.69,"end":250.13},{"sentences":[{"text":"So it's not too too far away from where you're currently at.","start":250.13,"end":252.79,"sentiment":"neutral","sentiment_score":0.034504035177330174},{"text":"Okay.","start":254.37,"end":254.77,"sentiment":"neutral","sentiment_score":0.008124664425849915},{"text":"So in either scenario, there are a few things that we need to consider.","start":254.77,"end":258.47,"sentiment":"neutral","sentiment_score":-0.011745150201022625},{"text":"If you I'll run through a full scenario, like, one of them, and then I'll flip to the other rather than hopping back and forwards.","start":259.145,"end":265.725,"sentiment":"neutral","sentiment_score":-0.052028935924172404},{"text":"The sale of the house, that's obviously who you get involved is obviously a real estate agent if you wanna go through a real estate agent or you can do it personally.","start":268.905,"end":278.39,"sentiment":"neutral","sentiment_score":-0.0021586090442724526}],"sentiment":"neutral","sentiment_score":-0.013238784568827777,"num_words":84,"start":250.13,"end":278.39},{"sentences":[{"text":"Real estate agents in Arundel, you're looking at around 2.7% for a commission fee.","start":280.53,"end":287.875,"sentiment":"neutral","sentiment_score":0.0629265917731183},{"text":"So on your 1.4 mil, it kinda gets up there into the, you know, $50 type of category, but they take care of everything on that front.","start":288.095,"end":299.555,"sentiment":"neutral","sentiment_score":0.12410935290433743},{"text":"Once it's sold, there's a few avenues that you have available.","start":300.68002,"end":307.58002,"sentiment":"neutral","sentiment_score":0.21102302860129962},{"text":"Within ninety days of you selling the property, depending on what you wanna do with the money, and that's where a financial adviser does and can step in depending on the goals that you want, which in this instance would sort of be my role, is planning where that that money can go to give you longevity and to help with Centrelink benefits and to help with, you know, ongoing income planning.","start":308.2,"end":333.65002,"sentiment":"neutral","sentiment_score":0.28939272183924913},{"text":"There's a few different avenues that you can take to quarantine and protect that money.","start":334.91,"end":340.45,"sentiment":"neutral","sentiment_score":0.20981988161802292}],"sentiment":"neutral","sentiment_score":0.21968886564425427,"num_words":139,"start":280.53,"end":340.45},{"sentences":[{"text":"Outside of that, one of the probably more not more important, but most important things is depending on which avenue you take.","start":343.23,"end":353.605,"sentiment":"neutral","sentiment_score":0.09085857749662617},{"text":"So if we go up to Hervey Bay and we we buy a house just yourself and your husband, that's obviously gonna be your asset, your asset alone.","start":353.605,"end":363.63,"sentiment":"neutral","sentiment_score":0.10264472996017762},{"text":"If something happens to either one of you, the other one will obviously own that asset, vice versa.","start":364.17,"end":369.55002,"sentiment":"neutral","sentiment_score":0.0401799680872096},{"text":"Upon both of you passing, that asset would form part of your estate, and your will is going to dictate where the asset goes.","start":370.33002,"end":380.605,"sentiment":"neutral","sentiment_score":0.10507757185647885},{"text":"If either of you need aged care or any kind of care arrangements in the future, from a planning perspective, it you know, the house could be used as collateral.","start":383.785,"end":396.2,"sentiment":"neutral","sentiment_score":0.029092768455545107}],"sentiment":"neutral","sentiment_score":0.07369528973444564,"num_words":122,"start":343.23,"end":396.2},{"sentences":[{"text":"It could be sold to fund you moving into an aged care facility.","start":396.2,"end":400.30002,"sentiment":"neutral","sentiment_score":0.021319119116434686},{"text":"If you were to go in on the other side with Matthew, essentially, there are four owners of a a property.","start":402.685,"end":410.305,"sentiment":"neutral","sentiment_score":0.017409577256157285},{"text":"How you purchase a property is important because by the sounds that you have more than one child.","start":411.965,"end":417.0,"sentiment":"neutral","sentiment_score":0.06905213370919228},{"text":"Am I correct?","start":417.22,"end":417.94,"sentiment":"neutral","sentiment_score":0.020098870620131493},{"text":"You have a daughter?","start":417.94,"end":418.84003,"sentiment":"neutral","sentiment_score":0.012978665065020323}],"sentiment":"neutral","sentiment_score":0.03386270084371001,"num_words":59,"start":396.2,"end":418.84003},{"sentences":[{"text":"Yes.","start":419.22,"end":419.72,"sentiment":"neutral","sentiment_score":0.09512671828269958},{"text":"Yep.","start":420.02002,"end":420.52002,"sentiment":"neutral","sentiment_score":0.06776358187198639},{"text":"Two daughters.","start":421.46002,"end":422.1,"sentiment":"neutral","sentiment_score":0.0737341120839119},{"text":"Cool.","start":422.1,"end":422.26,"sentiment":"neutral","sentiment_score":0.32456979155540466},{"text":"Cool.","start":422.26,"end":422.5,"sentiment":"neutral","sentiment_score":0.3230894207954407}],"sentiment":"neutral","sentiment_score":0.15966962277889252,"num_words":6,"start":419.22,"end":422.5},{"sentences":[{"text":"Cool.","start":422.5,"end":422.74002,"sentiment":"neutral","sentiment_score":0.28797200322151184},{"text":"So three kids total.","start":422.74002,"end":423.88,"sentiment":"neutral","sentiment_score":0.1300104707479477},{"text":"Oh, two kids, Matthew and your daughter.","start":425.54,"end":427.80002,"sentiment":"neutral","sentiment_score":0.022030718624591827},{"text":"Cool.","start":427.86002,"end":428.36002,"sentiment":"neutral","sentiment_score":0.2105372250080109},{"text":"So if you were to buy the house, there's two ways that you can buy a property, either tenants in common or joint tenants.","start":430.195,"end":438.135,"sentiment":"neutral","sentiment_score":0.14212857435146967}],"sentiment":"neutral","sentiment_score":0.12388788989266834,"num_words":37,"start":422.5,"end":438.135},{"sentences":[{"text":"And it's all come all comes down to how you do the paperwork when you purchase it with your solicitor or your conveyancer.","start":439.075,"end":444.77502,"sentiment":"neutral","sentiment_score":0.1769541333550992},{"text":"And one of it's it's it's a really important thing that you need to consider when you're buying a house with multiple people in this situation.","start":445.17,"end":452.95,"sentiment":"neutral","sentiment_score":0.1544261620594905},{"text":"It was just you and your husband.","start":453.17,"end":454.55002,"sentiment":"neutral","sentiment_score":0.12782576254435948},{"text":"You know, it's it's still important.","start":455.33002,"end":458.23,"sentiment":"neutral","sentiment_score":0.18956599136193594},{"text":"It becomes more important the older we get.","start":458.85,"end":460.995,"sentiment":"neutral","sentiment_score":0.18825044482946396}],"sentiment":"neutral","sentiment_score":0.1660457875047411,"num_words":70,"start":439.075,"end":460.995},{"sentences":[{"text":"It is still an important thing because we wanna make sure that, you know, the house goes to the people we want the house to go to.","start":460.995,"end":467.975,"sentiment":"neutral","sentiment_score":0.317195584376653},{"text":"Now if when you if you when you buy the house so I always mix these up.","start":468.595,"end":478.34,"sentiment":"neutral","sentiment_score":-0.07734764915178804},{"text":"I don't know why.","start":478.34,"end":479.06,"sentiment":"neutral","sentiment_score":-0.21163196116685867},{"text":"They're the same thing, but they're not the same thing.","start":479.06,"end":481.0,"sentiment":"neutral","sentiment_score":-0.09819504246115685},{"text":"So joint tenants are where you both equally own the property.","start":483.78,"end":492.68,"sentiment":"neutral","sentiment_score":0.015262133357199755}],"sentiment":"neutral","sentiment_score":0.08099675275709319,"num_words":69,"start":460.995,"end":492.68},{"sentences":[{"text":"So Linda owns a 100%, Matthew owns a 100%, Matthew's wife owns a 100%, and Linda's husband owns a 100%.","start":493.035,"end":501.755,"sentiment":"neutral","sentiment_score":0.031282807840034364},{"text":"I'm sorry.","start":501.755,"end":502.075,"sentiment":"neutral","sentiment_score":-0.16093969345092773},{"text":"I don't know everyone else's name.","start":502.075,"end":503.695,"sentiment":"neutral","sentiment_score":-0.23391636709372202},{"text":"So all four of you own a 100% of the property.","start":504.635,"end":507.375,"sentiment":"neutral","sentiment_score":-0.0908339179374955},{"text":"So it means that if anyone was to pass away, irrespective of who that was, the other three parties continue to own a 100%.","start":507.99002,"end":517.45,"sentiment":"neutral","sentiment_score":-0.1596643328666687}],"sentiment":"neutral","sentiment_score":-0.0941402939488254,"num_words":63,"start":493.035,"end":517.45},{"sentences":[{"text":"Okay?","start":518.47003,"end":518.97003,"sentiment":"neutral","sentiment_score":0.06257513165473938},{"text":"As tenants in common, what happen is you all have a defined share of the property.","start":520.815,"end":527.475,"sentiment":"neutral","sentiment_score":0.07228014268912375},{"text":"So I I e, you could earn 25%, your husband owns 25%, Matthew earns 25%, and Matthew's wife owns 25%.","start":527.695,"end":536.6,"sentiment":"neutral","sentiment_score":0.08802938126027585},{"text":"So it means that if anyone was to pass away, the 25% ownership that belonged to that individual would actually form part of their estate.","start":536.9,"end":546.2,"sentiment":"neutral","sentiment_score":0.05263473719358444},{"text":"So for example, if you or your husband were to pass away, that share in that house would go through to your estate and could be and from your estate could be decided on you know, your will would govern what happens.","start":546.33997,"end":563.115,"sentiment":"neutral","sentiment_score":0.09899405780292693}],"sentiment":"neutral","sentiment_score":0.08128138362931517,"num_words":104,"start":518.47003,"end":563.115},{"sentences":[{"text":"So it could mean that your daughter actually ends up getting a share of that house as well, not just it going fully through to your son.","start":563.39,"end":570.52997,"sentiment":"neutral","sentiment_score":0.19045041060006176},{"text":"Because that that's a consideration.","start":571.07,"end":572.37,"sentiment":"neutral","sentiment_score":0.059812767803668974},{"text":"It's because you're you're gonna put so much of this money into you're basically gonna be putting over a million dollars into this house.","start":572.51,"end":578.835,"sentiment":"neutral","sentiment_score":0.13138420569399992},{"text":"What do you want to happen with that million dollars upon your upon you dying?","start":579.635,"end":583.075,"sentiment":"neutral","sentiment_score":-0.15326276421546936},{"text":"Do you want it all to go to Matthew, or do we want some of the funds to go to your daughter as well?","start":583.075,"end":587.73505,"sentiment":"neutral","sentiment_score":-0.07952427724376321}],"sentiment":"neutral","sentiment_score":0.04617812362940688,"num_words":95,"start":563.39,"end":587.73505},{"sentences":[{"text":"Yeah.","start":594.49,"end":594.99,"sentiment":"neutral","sentiment_score":-0.1337842047214508},{"text":"Yep.","start":607.045,"end":607.525,"sentiment":"neutral","sentiment_score":0.1234203428030014},{"text":"And he wouldn't necessarily have to be forced to sell it.","start":607.525,"end":610.425,"sentiment":"neutral","sentiment_score":-0.08671634474938567},{"text":"He would possibly be forced to take out a loan to pay her out, and that's kind of where would sit, is that your ownership so yours and your husband's ownership of that property would be would would basically be hit the estate, and the estate or the the will could stipulate that, you know, Matthew doesn't have to move out of the house.","start":610.72504,"end":636.13495,"sentiment":"neutral","sentiment_score":-0.04724809172330424},{"text":"You have survivorship rights written into it.","start":636.13495,"end":638.315,"sentiment":"neutral","sentiment_score":0.032166286770786555}],"sentiment":"neutral","sentiment_score":-0.04479711329830544,"num_words":84,"start":594.49,"end":638.315},{"sentences":[{"text":"That that whole portion of buying the house if you bought it shared and how you and your husband would write your wills, and in turn, obviously, Matthew and his wife would need to probably do something similar.","start":638.615,"end":648.85004,"sentiment":"neutral","sentiment_score":0.0021554711764972465},{"text":"If anything happened to them while they're young, things happen, unfortunately, is that you would sit down with a with an estate lawyer, and you would go through and be like, look.","start":648.85004,"end":657.65,"sentiment":"negative","sentiment_score":-0.3602928500622511},{"text":"These are our wishes.","start":657.65,"end":658.545,"sentiment":"negative","sentiment_score":-0.45237963646650314},{"text":"This is what we want to happen.","start":658.625,"end":660.005,"sentiment":"neutral","sentiment_score":-0.26455578420843395},{"text":"You know, if anything happens to to to yourself, you want, basically, maybe your house you you could dictate that your estate transfers to your husband and your husband's transfers to you.","start":660.225,"end":672.64,"sentiment":"neutral","sentiment_score":-0.06587006989866495}],"sentiment":"neutral","sentiment_score":-0.15236030592360592,"num_words":113,"start":638.615,"end":672.64},{"sentences":[{"text":"So, basically, your percentage of the asset transfers to each other.","start":672.64,"end":676.4,"sentiment":"neutral","sentiment_score":0.050219666212797165},{"text":"So that way, while both like, while one of you were alive and living in that house, the money doesn't go to the estate.","start":676.4,"end":682.82,"sentiment":"neutral","sentiment_score":0.029380591586232185},{"text":"And then as a second sort of bracket is that if me like, if if the opposite person is no longer alive, then it goes to the estate, and then your daughter would have like, your daughter and your son would have to, you know, mortgage buyout daughter.","start":683.205,"end":701.32,"sentiment":"neutral","sentiment_score":-0.006588640079523127},{"text":"So that that kind of planning in buying a a shared house to this degree would be something that you would definitely need to sit down with a lawyer and talk about to make sure that it was nice and smooth in the estate planning side of things.","start":704.33997,"end":720.545,"sentiment":"neutral","sentiment_score":0.16172257407257953},{"text":"But in terms of, I guess, longevity of the money, what to do with the money that's left over from the sale, that comes from someone like myself where I could sit down and and you're only at Arundel, so I could you you could come into the office and we could we could meet with both you and your husband.","start":721.565,"end":738.95,"sentiment":"neutral","sentiment_score":0.14264245276324083}],"sentiment":"neutral","sentiment_score":0.09065192175330594,"num_words":192,"start":672.64,"end":738.95},{"sentences":[{"text":"I could meet with, you know, all four of you.","start":738.95,"end":743.1649,"sentiment":"neutral","sentiment_score":0.22900399565696716},{"text":"And we could talk about I mean, essentially, from what you're saying, this money is gonna be yours, so it's it's planning for your longevity.","start":743.44495,"end":750.105,"sentiment":"neutral","sentiment_score":0.22610107719898223},{"text":"But we could talk about what to do with that money, how to best tax effectively, make sure that it's gonna be there, and talk about how we make sure that the income you receive from any of your assets moving forward is going to work for you.","start":751.845,"end":765.85004,"sentiment":"neutral","sentiment_score":0.29684612651666004},{"text":"So how is your lifestyle change going to affect CenturyLink?","start":765.85004,"end":769.405,"sentiment":"neutral","sentiment_score":0.11032073274254799},{"text":"Is it going to affect CenturyLink?","start":769.625,"end":771.085,"sentiment":"neutral","sentiment_score":0.03342597403874}],"sentiment":"neutral","sentiment_score":0.23732266798991747,"num_words":99,"start":738.95,"end":771.085},{"sentences":[{"text":"You know, with the lump sum of money that you receive, what do we need to do from there?","start":772.265,"end":776.28503,"sentiment":"neutral","sentiment_score":0.00988538406397167},{"text":"So oh, I mean, we can start the conversation now.","start":781.31006,"end":783.63,"sentiment":"neutral","sentiment_score":0.07596676684916019},{"text":"That's absolutely okay.","start":783.63,"end":785.09,"sentiment":"neutral","sentiment_score":0.17773207277059555},{"text":"I know Matthew kind of dumped it on you.","start":786.51,"end":788.85004,"sentiment":"neutral","sentiment_score":-0.32402100662390393},{"text":"So no.","start":789.71,"end":790.77,"sentiment":"neutral","sentiment_score":-0.19934121519327164}],"sentiment":"neutral","sentiment_score":-0.04265547223215879,"num_words":43,"start":772.265,"end":790.77},{"sentences":[{"text":"But yeah.","start":792.025,"end":794.43005,"sentiment":"neutral","sentiment_score":-0.05675715394318104},{"text":"It's Yeah.","start":794.43005,"end":799.995,"sentiment":"neutral","sentiment_score":-0.03563689440488815},{"text":"May I ask how old are you and your husband?","start":811.52,"end":813.78,"sentiment":"neutral","sentiment_score":-0.008593565691262484},{"text":"Yep.","start":818.24,"end":818.74,"sentiment":"neutral","sentiment_score":0.020055457949638367},{"text":"Okay.","start":821.2,"end":821.68,"sentiment":"neutral","sentiment_score":0.1729440987110138}],"sentiment":"neutral","sentiment_score":-0.004857762309256941,"num_words":16,"start":792.025,"end":821.68},{"sentences":[{"text":"Perfect.","start":821.68,"end":822.18,"sentiment":"positive","sentiment_score":0.3594629168510437},{"text":"And you're still working part time at the moment?","start":822.24,"end":824.9,"sentiment":"neutral","sentiment_score":0.06965675080815951},{"text":"Pretty pretty full.","start":827.965,"end":829.085,"sentiment":"neutral","sentiment_score":0.082918015619119},{"text":"Yep.","start":829.085,"end":829.585,"sentiment":"neutral","sentiment_score":0.1209837719798088},{"text":"Pretty full time.","start":830.84503,"end":831.905,"sentiment":"positive","sentiment_score":0.3546338975429535}],"sentiment":"neutral","sentiment_score":0.1423537167994415,"num_words":17,"start":821.68,"end":831.905},{"sentences":[{"text":"Cool.","start":832.28503,"end":832.78503,"sentiment":"positive","sentiment_score":0.5444811582565308},{"text":"And sources of income for you guys as a household at the moment would be, obviously, your employment income, but your husband is receiving, like, Centrelink or income from Super Investments.","start":834.36505,"end":847.6,"sentiment":"neutral","sentiment_score":0.053039455485920754},{"text":"Yep.","start":860.51495,"end":860.75494,"sentiment":"neutral","sentiment_score":0.02346130833029747},{"text":"Yep.","start":860.75494,"end":861.25494,"sentiment":"neutral","sentiment_score":0.023555321618914604},{"text":"Yep.","start":874.14,"end":874.64,"sentiment":"neutral","sentiment_score":0.02245544455945492}],"sentiment":"neutral","sentiment_score":0.06451932436653546,"num_words":35,"start":832.28503,"end":874.64},{"sentences":[{"text":"Weekly.","start":876.06,"end":876.56,"sentiment":"neutral","sentiment_score":0.01122976467013359},{"text":"Okay.","start":876.7,"end":877.2,"sentiment":"neutral","sentiment_score":0.023295488208532333},{"text":"And then your income do you know what your income is per pay cycle?","start":878.06,"end":882.64,"sentiment":"neutral","sentiment_score":0.004495710932782718},{"text":"$1.03.","start":907.62,"end":908.44,"sentiment":"neutral","sentiment_score":0.018298879265785217},{"text":"Yes.","start":914.865,"end":915.365,"sentiment":"neutral","sentiment_score":0.011204519309103487}],"sentiment":"neutral","sentiment_score":0.00705381136180626,"num_words":18,"start":876.06,"end":915.365},{"sentences":[{"text":"Yep.","start":918.785,"end":919.285,"sentiment":"neutral","sentiment_score":0.03646309673786163},{"text":"So do you receive a UK pension as well?","start":919.345,"end":921.78,"sentiment":"neutral","sentiment_score":0.013432478946116235},{"text":"No.","start":923.14,"end":923.64,"sentiment":"neutral","sentiment_score":-0.17725935578346252},{"text":"Okay.","start":924.42004,"end":924.92004,"sentiment":"neutral","sentiment_score":0.04390264302492142},{"text":"Cool.","start":925.7,"end":926.2,"sentiment":"neutral","sentiment_score":0.16587963700294495}],"sentiment":"neutral","sentiment_score":0.0146060254997932,"num_words":13,"start":918.785,"end":926.2},{"sentences":[{"text":"So yeah.","start":927.14,"end":929.46,"sentiment":"neutral","sentiment_score":0.12533221393823624},{"text":"Absolutely.","start":929.46,"end":929.96,"sentiment":"neutral","sentiment_score":0.22841626405715945},{"text":"So $13.46, and that is what he receives from Centrelink, what he receives from UK pension, and your income per week.","start":930.5,"end":938.825,"sentiment":"neutral","sentiment_score":0.13025765617688498},{"text":"Yep.","start":939.92505,"end":940.42505,"sentiment":"neutral","sentiment_score":0.1732175201177597},{"text":"Cool.","start":940.48505,"end":940.645,"sentiment":"positive","sentiment_score":0.3996220827102661}],"sentiment":"neutral","sentiment_score":0.14566657978754777,"num_words":26,"start":927.14,"end":940.645},{"sentences":[{"text":"Cool.","start":940.645,"end":940.805,"sentiment":"positive","sentiment_score":0.48391127586364746},{"text":"Cool.","start":940.805,"end":941.305,"sentiment":"positive","sentiment_score":0.4816921353340149},{"text":"Yeah.","start":941.92505,"end":942.245,"sentiment":"positive","sentiment_score":0.4113612771034241},{"text":"So 1,400 was a pretty good ballpark.","start":942.245,"end":944.185,"sentiment":"positive","sentiment_score":0.478954872914723},{"text":"Alright.","start":946.085,"end":946.585,"sentiment":"positive","sentiment_score":0.3405695855617523}],"sentiment":"positive","sentiment_score":0.46092894402417267,"num_words":11,"start":940.645,"end":946.585},{"sentences":[{"text":"And that's currently what you're comfortable living on?","start":946.72504,"end":949.78503,"sentiment":"neutral","sentiment_score":0.2576073594391346},{"text":"Yep.","start":951.765,"end":952.17,"sentiment":"neutral","sentiment_score":0.05523071810603142},{"text":"Okay.","start":963.52997,"end":964.02997,"sentiment":"neutral","sentiment_score":0.03066994994878769},{"text":"K.","start":968.675,"end":969.175,"sentiment":"neutral","sentiment_score":0.00971432588994503},{"text":"So what so value of a home is, as you said, something somewhere sitting around the 1.4 ish.","start":969.315,"end":976.13495,"sentiment":"neutral","sentiment_score":0.027606566591809194}],"sentiment":"neutral","sentiment_score":0.09149627821070366,"num_words":29,"start":946.72504,"end":976.13495},{"sentences":[{"text":"And then what's the loan that we have on the property?","start":977.795,"end":980.375,"sentiment":"neutral","sentiment_score":0.014910440383986994},{"text":"Yep.","start":992.57,"end":992.97,"sentiment":"neutral","sentiment_score":0.03813780099153519},{"text":"Okay.","start":992.97,"end":993.47,"sentiment":"neutral","sentiment_score":-0.018885010853409767},{"text":"So the offset plus a small portion from the sale of the property would clear that out quite comfortably.","start":993.69,"end":998.625,"sentiment":"positive","sentiment_score":0.44872035948853745},{"text":"Very comfortably.","start":1001.325,"end":1002.065,"sentiment":"positive","sentiment_score":0.6938994228839874}],"sentiment":"neutral","sentiment_score":0.2969633326591814,"num_words":34,"start":977.795,"end":1002.065},{"sentences":[{"text":"Okay.","start":1004.28503,"end":1004.765,"sentiment":"neutral","sentiment_score":0.24216794967651367},{"text":"And then from that, you we've got basically, the remainder of the money even if we round it to about 1.3 by the time all the fees and transfer duties and solicitor and real estate agent are all paid for.","start":1004.765,"end":1022.715,"sentiment":"neutral","sentiment_score":0.13557245749980212},{"text":"1.3 left.","start":1023.67505,"end":1025.295,"sentiment":"neutral","sentiment_score":0.01706581236794591},{"text":"We'd be putting in sort of, what, about $900,000 into Yep.","start":1028.235,"end":1044.79,"sentiment":"neutral","sentiment_score":0.07138607075268572},{"text":"His does?","start":1053.8849,"end":1054.6849,"sentiment":"neutral","sentiment_score":0.022222578525543213}],"sentiment":"neutral","sentiment_score":0.11658731803098428,"num_words":56,"start":1004.28503,"end":1054.6849},{"sentences":[{"text":"Yep.","start":1054.6849,"end":1055.1849,"sentiment":"neutral","sentiment_score":0.051664531230926514},{"text":"Okay.","start":1057.0049,"end":1057.325,"sentiment":"neutral","sentiment_score":0.04274493455886841},{"text":"So $8.50 to 900 and then roughly ballparking his mortgage, if you could.","start":1057.325,"end":1062.3849,"sentiment":"neutral","sentiment_score":0.028584599781494874},{"text":"Okay.","start":1064.47,"end":1064.71,"sentiment":"neutral","sentiment_score":0.0396353155374527},{"text":"So 350,000 left.","start":1064.71,"end":1066.49,"sentiment":"neutral","sentiment_score":0.041423376028736435}],"sentiment":"neutral","sentiment_score":0.03315340560909949,"num_words":19,"start":1054.6849,"end":1066.49},{"sentences":[{"text":"So so then you guys would and then do you know what the property amount that you're looking to, I guess, buy out there?","start":1067.5099,"end":1074.49,"sentiment":"neutral","sentiment_score":0.03815199465801319},{"text":"Okay.","start":1080.6649,"end":1080.905,"sentiment":"neutral","sentiment_score":0.05920804291963577},{"text":"Okay.","start":1080.905,"end":1081.3049,"sentiment":"neutral","sentiment_score":0.05391782149672508},{"text":"So if we were to go and do that, you guys would have a larger portion share than Matthew would.","start":1081.3049,"end":1088.0449,"sentiment":"neutral","sentiment_score":0.06517329607158899},{"text":"Yep.","start":1088.585,"end":1089.085,"sentiment":"neutral","sentiment_score":0.1292676031589508}],"sentiment":"neutral","sentiment_score":0.0523724949106257,"num_words":47,"start":1067.5099,"end":1089.085},{"sentences":[{"text":"So buying a tenant in common with you and your husband having a larger share would make sense.","start":1089.145,"end":1098.82,"sentiment":"neutral","sentiment_score":0.15079676277107662},{"text":"Mhmm.","start":1106.48,"end":1106.96,"sentiment":"neutral","sentiment_score":0.019899573177099228},{"text":"Tenants in common.","start":1106.96,"end":1108.1,"sentiment":"neutral","sentiment_score":0.024839079628388088},{"text":"Yeah.","start":1110.155,"end":1110.655,"sentiment":"neutral","sentiment_score":0.09439945220947266},{"text":"Yep.","start":1114.155,"end":1114.655,"sentiment":"neutral","sentiment_score":0.1357952356338501}],"sentiment":"neutral","sentiment_score":0.12662305124104023,"num_words":24,"start":1089.145,"end":1114.655},{"sentences":[{"text":"Sitting down and talking with your solicitor is definitely a way to go, but realistically speaking, I guess, just based on vibes of this conversation alone, making sure that your daughter gets some of the assets, tenants in common is probably more towards the way you wanna go.","start":1119.435,"end":1138.23,"sentiment":"neutral","sentiment_score":0.2667071462298433},{"text":"And all it's just gonna mean is that is that your daughter is actually gonna be able to get some of the estate.","start":1141.095,"end":1146.955,"sentiment":"positive","sentiment_score":0.3969319649040699},{"text":"Because realistically speaking, like, if I actually do the math out on this So let's just go 1,300,000 by the time you pay out your mortgage.","start":1147.8949,"end":1157.7899,"sentiment":"neutral","sentiment_score":0.027831817404008828},{"text":"Let's just go $8.50 for him, which will leave him with 500,000.","start":1159.69,"end":1164.65,"sentiment":"neutral","sentiment_score":0.08373090748985608},{"text":"By the time he pays for all the sales, it'll probably leave him with about 450,000 in cash.","start":1164.65,"end":1169.425,"sentiment":"neutral","sentiment_score":0.02598209637734625}],"sentiment":"neutral","sentiment_score":0.18997995345669938,"num_words":127,"start":1119.435,"end":1169.425},{"sentences":[{"text":"Why didn't I round the numbers to make it easy for myself?","start":1173.5651,"end":1175.985,"sentiment":"neutral","sentiment_score":0.01127394630263249},{"text":"Right.","start":1180.99,"end":1181.49,"sentiment":"positive","sentiment_score":0.4315680563449859},{"text":"That's okay.","start":1182.11,"end":1182.9299,"sentiment":"positive","sentiment_score":0.4932264983654022},{"text":"Cool.","start":1184.83,"end":1185.33,"sentiment":"positive","sentiment_score":0.4881552457809448},{"text":"So, realistically speaking, we'll have about 1.75 to play with to buy the property.","start":1185.5499,"end":1190.61,"sentiment":"neutral","sentiment_score":0.14285381776945932}],"sentiment":"neutral","sentiment_score":0.1347139034420252,"num_words":30,"start":1173.5651,"end":1190.61},{"sentences":[{"text":"So we'll still have a little bit left over.","start":1191.23,"end":1193.33,"sentiment":"neutral","sentiment_score":0.04323511819044749},{"text":"It just depends on how much each of you end up putting in.","start":1194.265,"end":1197.705,"sentiment":"neutral","sentiment_score":0.01900743693113327},{"text":"So if we kind of put it to the degree where we each have some money left over, then you guys are gonna end up with more than, like, more than you guys will end up with basically more than two thirds of the property ownership.","start":1197.705,"end":1221.0901,"sentiment":"neutral","sentiment_score":0.003447794314959775},{"text":"Like, if I just not consider four individual people and just consider two couples, it'll basically I guess, it it can come down to you'll have a third, your husband will have a third, and then between Matthew and his wife, they'll kind of have a third ish ish.","start":1224.635,"end":1244.34,"sentiment":"neutral","sentiment_score":-0.015051650425077093},{"text":"It's you guys will have more than two thirds, but if we're just ballparking it.","start":1244.34,"end":1249.125,"sentiment":"neutral","sentiment_score":-0.019517257468154033}],"sentiment":"neutral","sentiment_score":-0.0017839276556377158,"num_words":132,"start":1191.23,"end":1249.125},{"sentences":[{"text":"And you can definitely operate it that way because it's just it's percentage based of who owns what.","start":1249.285,"end":1253.225,"sentiment":"neutral","sentiment_score":0.07449425446490447},{"text":"And then what will happen is, realistically, you like, you could have that upon, like, upon one of you and your husband passing away, it goes to the other person.","start":1253.925,"end":1267.4801,"sentiment":"neutral","sentiment_score":-0.06422247601052125},{"text":"Once both of you have passed away, half of the ownership of the property goes to Matthew, and the other half of the ownership goes to your daughter.","start":1268.18,"end":1280.365,"sentiment":"neutral","sentiment_score":-0.08099271769502334},{"text":"And then solicitor will have to kind of talk about how that can work.","start":1281.065,"end":1287.085,"sentiment":"neutral","sentiment_score":-0.05649814807942936},{"text":"Because, theoretically, yes, if Matthew cannot service a loan at that time to buy your daughter out, it could mean that he has to sell the house to buy her out.","start":1287.385,"end":1296.04,"sentiment":"neutral","sentiment_score":-0.2998764726423448}],"sentiment":"neutral","sentiment_score":-0.10694808694572489,"num_words":121,"start":1249.285,"end":1296.04},{"sentences":[{"text":"It could it can, yeah, it can turn narcissistic, and it it can turn really catty if anything happens.","start":1296.26,"end":1303.4801,"sentiment":"negative","sentiment_score":-0.5892814021361502},{"text":"But in saying that, there will be decent equity in the house.","start":1303.815,"end":1307.115,"sentiment":"neutral","sentiment_score":0.06050684178868929},{"text":"Like, we're we're not we're not gonna have, like, we're not gonna have a loan on a property like that.","start":1307.6549,"end":1314.315,"sentiment":"neutral","sentiment_score":-0.14503461290150882},{"text":"The other the other option is is that Matthew could look at taking out a loan.","start":1315.6549,"end":1321.4401,"sentiment":"neutral","sentiment_score":0.07280729850754142},{"text":"So on the $1,500,000, like, purchase, you you both go in evenly.","start":1321.8201,"end":1330.9601,"sentiment":"neutral","sentiment_score":0.1730413685242335}],"sentiment":"neutral","sentiment_score":-0.12822207087014295,"num_words":79,"start":1296.26,"end":1330.9601},{"sentences":[{"text":"It means that in the future, like because that's always that's always an option is that you guys front the cash equity.","start":1331.34,"end":1338.405,"sentiment":"neutral","sentiment_score":0.1996439200910655},{"text":"It leaves you with more cash on the on the on the back end, and then Matthew could could go in with what he has as a cash equity and then get a mortgage.","start":1339.3451,"end":1348.12,"sentiment":"neutral","sentiment_score":0.13361097883213968},{"text":"I still wouldn't joint tenants it because that means it goes completely to Matthew upon your death.","start":1353.38,"end":1358.76,"sentiment":"neutral","sentiment_score":-0.15096306778928814},{"text":"I would I would still, like realistically and honestly, if I'm if I'm just if I'm gonna be brutally honest, I would go with tenants in common, full stop, and a story.","start":1360.315,"end":1369.355,"sentiment":"neutral","sentiment_score":0.03905031515751034},{"text":"It's just dependent on how much you each actually hold as an ownership share is what it's gonna come down to.","start":1369.355,"end":1375.2899,"sentiment":"neutral","sentiment_score":0.01215694472193718}],"sentiment":"neutral","sentiment_score":0.06248788328634368,"num_words":126,"start":1331.34,"end":1375.2899},{"sentences":[{"text":"Because if you go with joint tenants, Matthew gets the property, your daughter gets nothing.","start":1375.2899,"end":1379.39,"sentiment":"neutral","sentiment_score":-0.10274434437354406},{"text":"Yeah.","start":1382.73,"end":1383.13,"sentiment":"neutral","sentiment_score":-0.12827304005622864},{"text":"Unless there's unless there's something else that you guys own that you that is of of equivalent share that you're happy for her to have, then by all means.","start":1383.13,"end":1392.105,"sentiment":"neutral","sentiment_score":-0.07954610267589832},{"text":"But otherwise, your daughter gets nothing.","start":1392.105,"end":1393.965,"sentiment":"neutral","sentiment_score":-0.24016164864102998},{"text":"And that would that that's a little bit of favoritism.","start":1400.4299,"end":1404.35,"sentiment":"negative","sentiment_score":-0.5198172748088836}],"sentiment":"neutral","sentiment_score":-0.1740232430032042,"num_words":61,"start":1375.2899,"end":1404.35},{"sentences":[{"text":"I have three kids, so I get it.","start":1404.35,"end":1405.89,"sentiment":"neutral","sentiment_score":0.028870163951069117},{"text":"So yeah.","start":1410.35,"end":1410.75,"sentiment":"neutral","sentiment_score":0.038520077243447304},{"text":"So it just it just depended on how you guys actually purchased the property.","start":1410.75,"end":1414.45,"sentiment":"neutral","sentiment_score":-0.01970053557306528},{"text":"And then a a a bit of a conversation with Matthew, which is why like, if you guys do wanna go into, like, advice, which I can definitely do, we can talk about longevity of income, where to put the money when we sell the house, how to, you know, nestle it away.","start":1415.265,"end":1431.01,"sentiment":"neutral","sentiment_score":0.14180480934820086},{"text":"You obviously have a job here in Australia.","start":1431.01,"end":1433.35,"sentiment":"neutral","sentiment_score":0.13475384656339884}],"sentiment":"neutral","sentiment_score":0.10148093689452199,"num_words":85,"start":1404.35,"end":1433.35},{"sentences":[{"text":"So you have a super fund.","start":1434.45,"end":1435.99,"sentiment":"neutral","sentiment_score":0.25668107469876605},{"text":"Super funds are a a great tax effective structure.","start":1436.21,"end":1440.95,"sentiment":"positive","sentiment_score":0.4250381986300151},{"text":"So it could be a matter of, like, squirreling the money away there.","start":1441.01,"end":1444.07,"sentiment":"neutral","sentiment_score":0.21347052603960037},{"text":"You you know, it can be done tax effectively.","start":1445.995,"end":1448.795,"sentiment":"neutral","sentiment_score":0.26244983242617714},{"text":"It can be done just to, you know, put the money away so that way it's sort of sheltered a little bit.","start":1448.795,"end":1453.275,"sentiment":"neutral","sentiment_score":0.22286612879146228}],"sentiment":"neutral","sentiment_score":0.26111271863771696,"num_words":59,"start":1434.45,"end":1453.275},{"sentences":[{"text":"It just it all depends on depends on realistically what you wanna get out of it.","start":1453.275,"end":1457.22,"sentiment":"neutral","sentiment_score":0.12529963860288262},{"text":"But if I if we have a conversation with all four of us or even if it's just yourself and Matthew and myself to talk a little bit about, I guess, both sides of the of the house purchase and what Matthew is willing to do, what you're willing to do, because it it might be it might work out well for you if Matthew just goes and gets another loan.","start":1457.78,"end":1477.5651,"sentiment":"neutral","sentiment_score":0.10552556393012194},{"text":"Yep.","start":1489.97,"end":1490.47,"sentiment":"neutral","sentiment_score":0.012553822249174118},{"text":"Yeah.","start":1494.9299,"end":1495.4299,"sentiment":"neutral","sentiment_score":0.023133080452680588},{"text":"You wanna you wanna have it Yep.","start":1496.0499,"end":1503.9951,"sentiment":"neutral","sentiment_score":0.018056387347834452}],"sentiment":"neutral","sentiment_score":0.10061657157105704,"num_words":96,"start":1453.275,"end":1503.9951},{"sentences":[{"text":"Okay.","start":1508.6151,"end":1508.935,"sentiment":"neutral","sentiment_score":0.02174990624189377},{"text":"And I'm just gonna so, like, I there is definitely an accent there for you.","start":1508.935,"end":1516.34,"sentiment":"neutral","sentiment_score":0.049125234285990395},{"text":"You are from The UK as well.","start":1516.34,"end":1517.94,"sentiment":"neutral","sentiment_score":0.027261801064014435},{"text":"Are you not?","start":1517.94,"end":1518.9199,"sentiment":"neutral","sentiment_score":-0.04213286439577738},{"text":"Cool.","start":1520.66,"end":1521.16,"sentiment":"neutral","sentiment_score":0.2261524647474289}],"sentiment":"neutral","sentiment_score":0.03885981109407213,"num_words":27,"start":1508.6151,"end":1521.16},{"sentences":[{"text":"But do you have access to any form of UK pension in the future?","start":1521.2999,"end":1524.76,"sentiment":"neutral","sentiment_score":0.02903001382946968},{"text":"Okay.","start":1533.145,"end":1533.385,"sentiment":"neutral","sentiment_score":0.14543655514717102},{"text":"Yep.","start":1533.385,"end":1533.885,"sentiment":"neutral","sentiment_score":0.1784844696521759},{"text":"Absolutely, sir.","start":1533.945,"end":1534.905,"sentiment":"positive","sentiment_score":0.3934013545513153},{"text":"Cool.","start":1534.905,"end":1535.405,"sentiment":"positive","sentiment_score":0.4090789556503296}],"sentiment":"neutral","sentiment_score":0.10138015174552013,"num_words":19,"start":1521.2999,"end":1535.405},{"sentences":[{"text":"Yep.","start":1541.145,"end":1541.645,"sentiment":"neutral","sentiment_score":0.08691023290157318},{"text":"Yep.","start":1545.13,"end":1545.63,"sentiment":"neutral","sentiment_score":0.162930428981781},{"text":"Yep.","start":1548.57,"end":1549.07,"sentiment":"neutral","sentiment_score":0.1749059557914734},{"text":"Fair enough.","start":1556.57,"end":1557.21,"sentiment":"neutral","sentiment_score":0.15610343217849731},{"text":"No.","start":1557.21,"end":1557.5299,"sentiment":"neutral","sentiment_score":-0.0035236328840255737}],"sentiment":"neutral","sentiment_score":0.12223830819129944,"num_words":6,"start":1541.145,"end":1557.5299},{"sentences":[{"text":"Okay.","start":1557.5299,"end":1557.945,"sentiment":"neutral","sentiment_score":0.14730304479599},{"text":"Cool.","start":1558.1849,"end":1558.6849,"sentiment":"neutral","sentiment_score":0.2515314519405365},{"text":"So we can sit down.","start":1558.9049,"end":1560.2649,"sentiment":"neutral","sentiment_score":0.252655890583992},{"text":"We can talk more to that degree, but it's gonna come down to probably the four of you sitting down, having a conversation about, like, ownership shares and how much each of you are coming to the party with to go and buy that property.","start":1560.2649,"end":1578.05,"sentiment":"neutral","sentiment_score":0.1434108607470989},{"text":"And you guys just being forthcoming with the fact that, yeah, no.","start":1579.0701,"end":1582.75,"sentiment":"neutral","sentiment_score":0.022180285925666492}],"sentiment":"neutral","sentiment_score":0.130965095537249,"num_words":64,"start":1557.5299,"end":1582.75},{"sentences":[{"text":"Like, after we pass away, we wanna make sure that your sister is going to end up with some of our estate.","start":1582.75,"end":1590.125,"sentiment":"neutral","sentiment_score":0.032153982161120934},{"text":"Our estate is this house.","start":1590.125,"end":1591.5851,"sentiment":"neutral","sentiment_score":0.0745515763759613},{"text":"You're gonna have to buy her out of this house.","start":1591.725,"end":1593.8251,"sentiment":"neutral","sentiment_score":0.058748168870806694},{"text":"We wanna buy it as tenants in common.","start":1594.8451,"end":1596.865,"sentiment":"neutral","sentiment_score":0.13335563614964485},{"text":"The choice now is do does Matthew and his wife get a loan?","start":1597.38,"end":1600.98,"sentiment":"neutral","sentiment_score":0.08647080596822959}],"sentiment":"neutral","sentiment_score":0.06652746111925306,"num_words":58,"start":1582.75,"end":1600.98},{"sentences":[{"text":"So that way they can have equal or more than equal shares.","start":1600.98,"end":1604.18,"sentiment":"neutral","sentiment_score":0.1255103504906098},{"text":"Because theoretically, if they got a loan for a decent amount, they could have a higher share of the property.","start":1604.18,"end":1610.92,"sentiment":"neutral","sentiment_score":0.13503994531929492},{"text":"It'll leave you guys with more cash, so on and so forth.","start":1615.445,"end":1620.4249,"sentiment":"neutral","sentiment_score":0.1044093609477083},{"text":"Yep.","start":1633.62,"end":1634.12,"sentiment":"neutral","sentiment_score":0.1845235824584961},{"text":"Yeah.","start":1642.915,"end":1643.415,"sentiment":"neutral","sentiment_score":0.1332598179578781}],"sentiment":"neutral","sentiment_score":0.1256004096535237,"num_words":46,"start":1600.98,"end":1643.415},{"sentences":[{"text":"So our initial consultation is completely for free.","start":1643.5549,"end":1646.375,"sentiment":"neutral","sentiment_score":0.2483653463423252},{"text":"We don't charge a fee.","start":1646.755,"end":1647.715,"sentiment":"neutral","sentiment_score":0.16785697340965272},{"text":"So just for us to sit down and have a conversation, sometimes I feel like I'm more of a mediator than anything else From there, if we implement any of the advice, we do charge a fee.","start":1647.715,"end":1661.5701,"sentiment":"neutral","sentiment_score":0.10305902784740603},{"text":"So it depends on where the advice is aimed at.","start":1661.5701,"end":1664.79,"sentiment":"neutral","sentiment_score":0.04515460953116417},{"text":"Something to this degree would be $2,200, where we would be looking at, you know, cash flow structures and stuff like that.","start":1665.25,"end":1674.485,"sentiment":"neutral","sentiment_score":0.01878733712841164}],"sentiment":"neutral","sentiment_score":0.09151535585704373,"num_words":82,"start":1643.5549,"end":1674.485},{"sentences":[{"text":"And that would be payable before the advice is delivered just because of what the scope of the advice is.","start":1675.105,"end":1682.485,"sentiment":"neutral","sentiment_score":0.018590061506256462},{"text":"And that could just be invoiced as a as a cash payment.","start":1683.48,"end":1686.9401,"sentiment":"neutral","sentiment_score":0.015598430686319867},{"text":"If you wanted ongoing advice, so if we, you know, say, looked at invest, like, changing superannuation companies, investing super, you know, tax reduction, cash flow ongoing, stuff like that, then we can you know, we'd talk about what that looks like when the advice was delivered.","start":1688.36,"end":1709.585,"sentiment":"neutral","sentiment_score":0.016279387585026152},{"text":"But that's all just kinda dependent on on that sort of time frame or that, sorry, scope of advice.","start":1710.89,"end":1715.87,"sentiment":"neutral","sentiment_score":-0.0010776571243217117},{"text":"Yeah.","start":1725.21,"end":1725.585,"sentiment":"neutral","sentiment_score":0.06240824982523918}],"sentiment":"neutral","sentiment_score":0.013798448275962863,"num_words":99,"start":1675.105,"end":1725.585},{"sentences":[{"text":"Absolutely.","start":1725.745,"end":1726.065,"sentiment":"neutral","sentiment_score":0.1447495073080063},{"text":"We I can look at investigating, like, investment 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nothing.","start":1758.125,"end":1758.9451,"sentiment":"neutral","sentiment_score":-0.07941586151719093},{"text":"Yeah.","start":1762.525,"end":1763.005,"sentiment":"neutral","sentiment_score":-0.02283465676009655},{"text":"No.","start":1763.005,"end":1763.505,"sentiment":"neutral","sentiment_score":-0.05943295359611511},{"text":"We plan for as long as we can, but yes.","start":1765.405,"end":1767.7451,"sentiment":"neutral","sentiment_score":-0.016348587442189456},{"text":"No.","start":1783.775,"end":1784.275,"sentiment":"neutral","sentiment_score":-0.07539410889148712}],"sentiment":"neutral","sentiment_score":-0.031998621113598344,"num_words":15,"start":1758.125,"end":1784.275},{"sentences":[{"text":"Absolutely.","start":1784.415,"end":1784.915,"sentiment":"neutral","sentiment_score":0.025300748646259308},{"text":"No.","start":1787.855,"end":1788.015,"sentiment":"neutral","sentiment_score":-0.1048463135957718},{"text":"It's okay.","start":1788.015,"end":1788.755,"sentiment":"neutral","sentiment_score":-0.07068135216832161},{"text":"No.","start":1789.615,"end":1790.095,"sentiment":"neutral","sentiment_score":0.06175558269023895},{"text":"My pleasure.","start":1790.095,"end":1790.835,"sentiment":"neutral","sentiment_score":0.2795276939868927}],"sentiment":"neutral","sentiment_score":0.05712895733969552,"num_words":7,"start":1784.415,"end":1790.835},{"sentences":[{"text":"Once you sit down and have a chat with Matt and well, Matthew, and and kind of have a bit more of an open conversation now that you have a bit more information.","start":1791.215,"end":1800.4099,"sentiment":"neutral","sentiment_score":0.19359467607555966},{"text":"If you Matthew has my email address, so feel free to flick an email through.","start":1801.11,"end":1804.87,"sentiment":"neutral","sentiment_score":0.09134766558806101},{"text":"If Matthew has any more questions, feel free to do so.","start":1804.87,"end":1808.175,"sentiment":"neutral","sentiment_score":0.08029351078651169},{"text":"Or if you guys just wanna come into the office, yeah, just send me an email and we can organize a time, and we can sit down whether it's yourself and Matthew or whether it's all four of us, either either way.","start":1809.055,"end":1819.9551,"sentiment":"neutral","sentiment_score":0.10409320908642951},{"text":"We're five of us, I guess.","start":1820.495,"end":1821.875,"sentiment":"neutral","sentiment_score":0.14803725853562355}],"sentiment":"neutral","sentiment_score":0.12992716117579245,"num_words":107,"start":1791.215,"end":1821.875},{"sentences":[{"text":"Either either way, we can do that.","start":1822.415,"end":1823.68,"sentiment":"neutral","sentiment_score":0.21747599755014693},{"text":"We can have a nice coffee and go from 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Linda speaking. I'm well. Thank you. How are you today? Yes. Excellent. Okay. So to give you an outline of what we want to do, my husband and I are seniors, but I still work. We do have collateral in the home, and we're looking at two scenarios. I think ours is worth about 1.4, 1.5. So we are looking at downsizing. It's too big for us. So we've got two scenarios that we are thinking of. One being that we buy a property, Hervey Bay, which is a lot cheaper. Our daughter lives there. So we would then have a surplus. I think it's about 400,000. Our other scenario would be to amalgamate with Matthew and buy an acreage, Bloemkin Village Way, etcetera. We would still hope to have a bit of surplus from that. And with all the rules and regulations, we're just wondering where the money would be best placed. And, also, if we go in with Matt, then are we going to be penalized in any way? I know for seniors, things are changing a lot tax wise. No. It's always been on home. Okay. Yep. I'm thinking about 200. Yep. Yep. I don't know. I would I would say going in with Matthew. Exactly. Yes. Arundel. No. Mhmm. Yeah. Mhmm. Mhmm. Mhmm. Mhmm. Yes. I've got two. Yeah. No. No. Two. In total. Yes. Mhmm. Yep. Yep. Yep. Yeah. Yeah. And and that is also a little bit of a a sticky situation. So, you know, obviously, we would like them to have 50% each, but by the same token, I don't want him to be forced to sell a property that he wants to stay on. Yep. Okay. Okay. Okay. Yeah. Yeah. Okay. Yeah. Yeah. Yeah. I think from his point of view, apart from the fact that he is working in Brisbane today, it was more to do with our retirement, which I haven't done as yet. So my husband's 76. He's retired, and I'm 70 one. Four days a week. So, yeah, part time, basically. Yeah. Yeah. Yeah. No. No super. Centrelink, he just gets a pittance, really, because I'm working, but he does get a UK pension. So, roughly, together, it's about about $1,400, and it really depends on the exchange rate. That's on a weekly basis. I did have to pull this down. So income. Right. Current weekly income with both of them is 1,346, I think, for both of us for the week. That is subject to change. It depends what exchange rates I get on the UK pension. No. I just do his. I'm the financial person. Yes. Yeah. I mean, if we go in with Matt, then, obviously, it's gonna come down because there won't be mortgages. At the moment, I still have a little bit of a mortgage, but that would be paid out with the offset, basically. Yeah. The loan at the moment is 227,000, and we've got 205,000 in an offset. Yeah. About 30,000, I think. Yeah. Yeah. I think we'd probably be putting a little bit more than Matt because his mortgage is higher. And the property, I think, at the moment sits about $815,900,000 in a sale. Yeah. 350. We're looking round about $1.05. Yep. Yep. Oh, would it? Okay. And I did slightly look into that and looked at the joint tenants and the oh gosh. There was another one. Yes. Yeah. So I looked at both of them. I wasn't quite sure which way to go on that. Okay. Yeah. Ballpark trigger is always good. Yeah. Yeah. Okay. Yeah. Okay. Yeah. And that's what I didn't want. Yeah. Yeah. Yeah. No. We're not. Okay. Yeah. Okay. So doing it that way, the joint tenants then. Alright. Okay. Yeah. Right. Okay. Yeah. Okay. And I don't want that. Yeah. No. There is nothing house. Most of the equity is in the house. Yeah. Yeah. Yeah. That that might be a good thing to look at. So so I am looking at, if we go for the acreage, possibly retiring, and I just didn't want the surplus money that we had to be dwindled away. And then as you say, I've got super as well, which isn't an awful lot. I lost an awful lot a while back, so it'd only be about 50,000. I am. Yeah. I haven't even gone down that avenue, to be honest. I'd much prefer to get my Australian pension. Yeah. And it wouldn't have been a lot because I was on a married woman's stamp, as they called it in the day, which meant you didn't have to pay in land revenue, which means you get a very, very reduced pension. So I thought I'd much rather get a full pension in Australia, and then I don't have the hassle of all the exchange rates, etcetera. Yeah. Mhmm. Yeah. Yes. And that would be a better scenario. Yeah. Okay. Yeah. Okay. That's good. I really do think we we need to check both avenues, see which way he's comfortable with, and then maybe come in and see you. Can I ask you, when we come in, what would the fees be? Yeah. Okay. And would you be able to give the advice on if we have surplus money, where to put that? Yeah. Yeah. I don't wanna get to a an old age and then have nothing left. And we never know how long we've got, so I can't forward plan on a certain time. So yeah. Yeah. Yeah. That's really good. I think you've you've really answered a lot of my questions. I'm sure Matt would have probably had more, but, yeah, we'll have to come back to that. So, yeah, thank you so much for that. It's really appreciated. And Yes. Mhmm. Yep. Perfect. Alright. Thank you very much. That's really enlightening and and good to get some professional advice as well. Alright. Thank you. You have a lovely evening. Thank you. 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Linda speaking. I'm well. Thank you. How are you today?\n\nYes. Excellent. Okay. So to give you an outline of what we want to do, my husband and I are seniors, but I still work. We do have collateral in the home, and we're looking at two scenarios.\n\nI think ours is worth about 1.4, 1.5. So we are looking at downsizing. It's too big for us. So we've got two scenarios that we are thinking of. One being that we buy a property, Hervey Bay, which is a lot cheaper.\n\nOur daughter lives there. So we would then have a surplus. I think it's about 400,000. Our other scenario would be to amalgamate with Matthew and buy an acreage, Bloemkin Village Way, etcetera. We would still hope to have a bit of surplus from that.\n\nAnd with all the rules and regulations, we're just wondering where the money would be best placed. And, also, if we go in with Matt, then are we going to be penalized in any way? I know for seniors, things are changing a lot tax wise. No. It's always been on home.\n\nOkay. Yep. I'm thinking about 200. Yep. Yep.\n\nI don't know. I would I would say going in with Matthew. Exactly. Yes. Arundel.\n\nNo. Mhmm. Yeah. Mhmm. Mhmm.\n\nMhmm. Mhmm. Yes. I've got two. Yeah.\n\nNo. No. Two. In total. Yes.\n\nMhmm. Yep. Yep. Yep. Yeah.\n\nYeah. And and that is also a little bit of a a sticky situation. So, you know, obviously, we would like them to have 50% each, but by the same token, I don't want him to be forced to sell a property that he wants to stay on. Yep. Okay.\n\nOkay. Okay. Yeah. Yeah. Okay.\n\nYeah. Yeah. Yeah. I think from his point of view, apart from the fact that he is working in Brisbane today, it was more to do with our retirement, which I haven't done as yet. So my husband's 76.\n\nHe's retired, and I'm 70 one. Four days a week. So, yeah, part time, basically. Yeah. Yeah.\n\nYeah. No. No super. Centrelink, he just gets a pittance, really, because I'm working, but he does get a UK pension. So, roughly, together, it's about about $1,400, and it really depends on the exchange rate.\n\nThat's on a weekly basis. I did have to pull this down. So income. Right. Current weekly income with both of them is 1,346, I think, for both of us for the week.\n\nThat is subject to change. It depends what exchange rates I get on the UK pension. No. I just do his. I'm the financial person.\n\nYes. Yeah. I mean, if we go in with Matt, then, obviously, it's gonna come down because there won't be mortgages. At the moment, I still have a little bit of a mortgage, but that would be paid out with the offset, basically. Yeah.\n\nThe loan at the moment is 227,000, and we've got 205,000 in an offset. Yeah. About 30,000, I think. Yeah. Yeah.\n\nI think we'd probably be putting a little bit more than Matt because his mortgage is higher. And the property, I think, at the moment sits about $815,900,000 in a sale. Yeah. 350. We're looking round about $1.05.\n\nYep. Yep. Oh, would it? Okay. And I did slightly look into that and looked at the joint tenants and the oh gosh.\n\nThere was another one. Yes. Yeah. So I looked at both of them. I wasn't quite sure which way to go on that.\n\nOkay. Yeah. Ballpark trigger is always good. Yeah. Yeah.\n\nOkay. Yeah. Okay. Yeah. And that's what I didn't want.\n\nYeah. Yeah. Yeah. No. We're not.\n\nOkay. Yeah. Okay. So doing it that way, the joint tenants then. Alright.\n\nOkay. Yeah. Right. Okay. Yeah.\n\nOkay. And I don't want that. Yeah. No. There is nothing house.\n\nMost of the equity is in the house. Yeah. Yeah. Yeah. That that might be a good thing to look at.\n\nSo so I am looking at, if we go for the acreage, possibly retiring, and I just didn't want the surplus money that we had to be dwindled away. And then as you say, I've got super as well, which isn't an awful lot. I lost an awful lot a while back, so it'd only be about 50,000. I am. Yeah.\n\nI haven't even gone down that avenue, to be honest. I'd much prefer to get my Australian pension. Yeah. And it wouldn't have been a lot because I was on a married woman's stamp, as they called it in the day, which meant you didn't have to pay in land revenue, which means you get a very, very reduced pension. So I thought I'd much rather get a full pension in Australia, and then I don't have the hassle of all the exchange rates, etcetera.\n\nYeah. Mhmm. Yeah. Yes. And that would be a better scenario.\n\nYeah. Okay. Yeah. Okay. That's good.\n\nI really do think we we need to check both avenues, see which way he's comfortable with, and then maybe come in and see you. Can I ask you, when we come in, what would the fees be? Yeah. Okay. And would you be able to give the advice on if we have surplus money, where to put that?\n\nYeah. Yeah. I don't wanna get to a an old age and then have nothing left. And we never know how long we've got, so I can't forward plan on a certain time. So yeah.\n\nYeah. Yeah. That's really good. I think you've you've really answered a lot of my questions. I'm sure Matt would have probably had more, but, yeah, we'll have to come back to that.\n\nSo, yeah, thank you so much for that. It's really appreciated. And Yes. Mhmm. Yep.\n\nPerfect. Alright. Thank you very much. That's really enlightening and and good to get some professional advice as well. Alright.\n\nThank you. You have a lovely evening. Thank you. Bye bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":0.71999997,"end":1.1999999,"sentiment":"neutral","sentiment_score":0.031198646873235703},{"text":"Linda speaking.","start":1.1999999,"end":2.1,"sentiment":"neutral","sentiment_score":0.02714308351278305},{"text":"I'm well.","start":7.04,"end":7.7599998,"sentiment":"positive","sentiment_score":0.37754230201244354},{"text":"Thank you.","start":7.7599998,"end":8.24,"sentiment":"positive","sentiment_score":0.5965235233306885},{"text":"How are you 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scenario.","start":1612.495,"end":1614.2749,"sentiment":"neutral","sentiment_score":0.15549500393015997}],"sentiment":"neutral","sentiment_score":0.13116802071983164,"num_words":11,"start":1575.99,"end":1614.2749},{"sentences":[{"text":"Yeah.","start":1618.8949,"end":1619.3949,"sentiment":"neutral","sentiment_score":0.07789535075426102},{"text":"Okay.","start":1619.855,"end":1620.355,"sentiment":"neutral","sentiment_score":0.06557761132717133},{"text":"Yeah.","start":1620.975,"end":1621.475,"sentiment":"neutral","sentiment_score":0.14932948350906372},{"text":"Okay.","start":1621.88,"end":1622.38,"sentiment":"neutral","sentiment_score":0.2471761405467987},{"text":"That's good.","start":1623.4801,"end":1624.3,"sentiment":"positive","sentiment_score":0.5112731754779816}],"sentiment":"neutral","sentiment_score":0.2604208228488763,"num_words":6,"start":1618.8949,"end":1624.3},{"sentences":[{"text":"I really do think we we need to check both avenues, see which way he's comfortable with, and then maybe come in and see you.","start":1626.4401,"end":1637.575,"sentiment":"neutral","sentiment_score":0.20751445561647416},{"text":"Can I ask you, when we come in, what would the fees be?","start":1637.635,"end":1642.455,"sentiment":"neutral","sentiment_score":0.03984248093687571},{"text":"Yeah.","start":1674.875,"end":1675.375,"sentiment":"neutral","sentiment_score":0.020039740949869156},{"text":"Okay.","start":1716.5701,"end":1717.0701,"sentiment":"neutral","sentiment_score":0.011996574699878693},{"text":"And would you be able to give the advice on if we have surplus money, where to put that?","start":1717.37,"end":1724.895,"sentiment":"neutral","sentiment_score":0.007818735694806827}],"sentiment":"neutral","sentiment_score":0.0997695921430901,"num_words":59,"start":1626.4401,"end":1724.895},{"sentences":[{"text":"Yeah.","start":1752.635,"end":1753.135,"sentiment":"neutral","sentiment_score":0.029738742858171463},{"text":"Yeah.","start":1753.1951,"end":1753.6951,"sentiment":"neutral","sentiment_score":0.023784980177879333},{"text":"I don't wanna get to a an old age and then have nothing left.","start":1754.3151,"end":1758.5751,"sentiment":"neutral","sentiment_score":-0.07131403498351574},{"text":"And we never know how long we've got, so I can't forward plan on a certain time.","start":1758.635,"end":1764.16,"sentiment":"neutral","sentiment_score":-0.05209315392900916},{"text":"So yeah.","start":1764.7,"end":1766.5599,"sentiment":"neutral","sentiment_score":-0.032409029081463814}],"sentiment":"neutral","sentiment_score":-0.054150698333978654,"num_words":35,"start":1752.635,"end":1766.5599},{"sentences":[{"text":"Yeah.","start":1768.38,"end":1768.88,"sentiment":"neutral","sentiment_score":0.03493492305278778},{"text":"Yeah.","start":1768.94,"end":1769.44,"sentiment":"neutral","sentiment_score":0.0927714854478836},{"text":"That's really good.","start":1770.7,"end":1772.0,"sentiment":"positive","sentiment_score":0.3602777123451233},{"text":"I think you've you've really answered a lot of my questions.","start":1772.46,"end":1776.5599,"sentiment":"neutral","sentiment_score":0.22973457791588522},{"text":"I'm sure Matt would have probably had more, but, yeah, we'll have to come back to that.","start":1776.62,"end":1783.385,"sentiment":"neutral","sentiment_score":0.03145667654462159}],"sentiment":"neutral","sentiment_score":0.1294055576930105,"num_words":33,"start":1768.38,"end":1783.385},{"sentences":[{"text":"So, yeah, thank you so much for that.","start":1783.605,"end":1787.525,"sentiment":"neutral","sentiment_score":0.1465482183266431},{"text":"It's really appreciated.","start":1787.525,"end":1788.905,"sentiment":"neutral","sentiment_score":0.026793318490187328},{"text":"And Yes.","start":1789.9249,"end":1801.75,"sentiment":"neutral","sentiment_score":0.12207547575235365},{"text":"Mhmm.","start":1819.605,"end":1819.98,"sentiment":"neutral","sentiment_score":0.0635773167014122},{"text":"Yep.","start":1820.46,"end":1820.96,"sentiment":"neutral","sentiment_score":0.1050347238779068}],"sentiment":"neutral","sentiment_score":0.11103524627784887,"num_words":15,"start":1783.605,"end":1820.96},{"sentences":[{"text":"Perfect.","start":1827.4199,"end":1827.9199,"sentiment":"positive","sentiment_score":0.7458994388580322},{"text":"Alright.","start":1828.46,"end":1828.96,"sentiment":"positive","sentiment_score":0.6584991216659546},{"text":"Thank you very much.","start":1829.4199,"end":1830.7999,"sentiment":"positive","sentiment_score":0.8601586222648621},{"text":"That's really enlightening and and good to get some professional advice as well.","start":1831.02,"end":1835.955,"sentiment":"positive","sentiment_score":0.8051250072625967},{"text":"Alright.","start":1838.755,"end":1839.255,"sentiment":"positive","sentiment_score":0.5597593784332275}],"sentiment":"positive","sentiment_score":0.793570876121521,"num_words":20,"start":1827.4199,"end":1839.255},{"sentences":[{"text":"Thank you.","start":1839.3949,"end":1839.955,"sentiment":"positive","sentiment_score":0.7796405255794525},{"text":"You have a lovely evening.","start":1839.955,"end":1841.495,"sentiment":"positive","sentiment_score":0.7859767079353333},{"text":"Thank you.","start":1843.315,"end":1844.135,"sentiment":"positive","sentiment_score":0.6491684019565582},{"text":"Bye bye.","start":1844.195,"end":1844.9349,"sentiment":"neutral","sentiment_score":0.06182508915662766}],"sentiment":"positive","sentiment_score":0.6282865066419948,"num_words":11,"start":1839.3949,"end":1844.9349}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello. Linda speaking.\n\nChannel 0: Hi, Linda. My name is Larissa from Oakview Financial. How are you going?\n\nChannel 1: I'm well. Thank you. How are you today?\n\nChannel 0: Really good. Thank you. Now Matthew, who I believe is your son, may have thrown you under the bus and told me to give you a call today because he would be in transit from work to home to have a bit\n\nChannel 1: Yes.\n\nChannel 0: of a chat.\n\nChannel 1: Excellent. Okay. So to give you an outline of what we want to do,\n\nChannel 0: Perfect.\n\nChannel 1: my husband and I are seniors, but I still work.\n\nChannel 0: Yep.\n\nChannel 1: We do have collateral in the home, and we're looking at two scenarios. I think ours is worth about 1.4, 1.5. So we are looking at downsizing. It's too big for\n\nChannel 0: Mhmm.\n\nChannel 1: us. So we've got two scenarios that we are thinking of. One being that we buy a property, Hervey Bay, which is a lot cheaper. Our daughter lives there. So we would then have a surplus.\n\nI think it's about 400,000. Our other scenario would be to amalgamate with Matthew and buy an acreage, Bloemkin Village Way, etcetera. We would still hope to have a bit of surplus from that. And with all the rules and regulations, we're just wondering where the money would be best placed. And, also, if we go in with Matt, then are we going to be\n\nChannel 0: Yeah.\n\nChannel 1: penalized in any way? I know for seniors, things are changing a lot tax wise.\n\nChannel 0: Cool. Absolutely. Alright. So there's a couple of things at play. One, by the sounds of it, your home is a primary residence.\n\nCan I ask, has it always been your home? Have you ever invested like, had it as an investment property, anything like that?\n\nChannel 1: No. It's always been\n\nChannel 0: Nope.\n\nChannel 1: on home.\n\nChannel 0: Cool. So it is capital gains exempt, which means that you won't pay any tax, like capital gains tax, upon the sale of that property. You will just be able to, obviously, with any sales commissions and transfer obligations, solicitous fees, stuff like that do obviously come out. But, essentially speaking, whatever you sell it for less those fees is what you're gonna end up with. So there's no tax implications that you're going to see from that.\n\nSo that's great.\n\nChannel 1: Okay.\n\nChannel 0: Now if you were to downsize and buy another house I mean, irrespective, even if you were to go in with Matthew and his wife and and and and move into another house, you could still claim downsizing. And there's still things that you can do with that money if there is money left over. It just depends on, I guess, when when it comes down to it, what you sell the house for, what you're gonna have left over after buying the new house. Because if you buy the house in Harvey Bay, as you said, you'll have about 400,000 left over. Do\n\nChannel 1: Yep.\n\nChannel 0: you know what what the scenario is if you buy out at Logan Village?\n\nChannel 1: I'm thinking about 200.\n\nChannel 0: Okay. So it'll be a little bit less in our pocket.\n\nChannel 1: Yep.\n\nChannel 0: Okay.\n\nChannel 1: Yep.\n\nChannel 0: So I guess excluding and ignoring Matthew as a whole scenario, which which avenue works for you? Which one do you, I guess, socially see as more beneficial? Not\n\nChannel 1: I don't\n\nChannel 0: financially,\n\nChannel 1: know.\n\nChannel 0: but socially. You you haven't really considered the that side\n\nChannel 1: I\n\nChannel 0: of things?\n\nChannel 1: would\n\nChannel 0: Or\n\nChannel 1: I would say going in with Matthew.\n\nChannel 0: okay. Because you're staying local. You still have access to the doctors and anything else that you guys have around\n\nChannel 1: Exactly.\n\nChannel 0: you.\n\nChannel 1: Yes.\n\nChannel 0: Yep. Can I ask where are you guys currently?\n\nChannel 1: Arundel.\n\nChannel 0: Okay. Cool. Cool. Cool. So it's not too too far away from where you're currently at.\n\nOkay. So in either scenario, there are a few things that we need to consider.\n\nChannel 1: No. Mhmm.\n\nChannel 0: If you I'll run through a full scenario, like, one of them, and then I'll flip to the other rather than hopping back and forwards. The sale of the house, that's obviously who you get involved is obviously a real estate agent if you wanna go through a real estate agent or you can do it personally. Real estate agents in Arundel, you're looking at around 2.7% for a commission fee. So on your 1.4 mil, it kinda gets up there into the, you know, $50 type of category,\n\nChannel 1: Yeah.\n\nChannel 0: but they take care of everything on that front. Once it's sold, there's a few avenues that you have available. Within ninety days of you selling the property, depending on what you wanna do with the money, and that's where a financial adviser does and can step in depending on the goals that you want, which in this instance would sort of be my role, is planning where that that money can go to give you longevity and to help with Centrelink benefits and to help with, you know, ongoing income planning. There's a few different avenues that you can take to quarantine and protect that money. Outside of that, one of the probably more not more important, but most important things is depending on which avenue you take.\n\nSo if we go up to Hervey Bay and we we buy a house just yourself and your husband,\n\nChannel 1: Mhmm.\n\nChannel 0: that's obviously gonna be your asset, your asset alone. If something happens to either one of you, the other one will obviously own that asset, vice versa. Upon both of you passing, that asset would form part of your estate, and your will is going to dictate where the asset goes.\n\nChannel 1: Mhmm.\n\nChannel 0: If either of you need aged care or any kind of care arrangements in the future, from a planning perspective, it you know, the house could be used as collateral. It could be sold to\n\nChannel 1: Mhmm.\n\nChannel 0: fund you moving into an aged care facility. If you were to go in on the other side\n\nChannel 1: Mhmm.\n\nChannel 0: with Matthew, essentially, there are four owners of a a property. How you purchase a property is important because by the sounds that you have more than one child. Am I correct? You have a daughter?\n\nChannel 1: Yes.\n\nChannel 0: Yes.\n\nChannel 1: I've got\n\nChannel 0: Yep.\n\nChannel 1: two. Yeah.\n\nChannel 0: Two daughters. Cool. Cool. Cool. So three kids total.\n\nChannel 1: No. No. Two.\n\nChannel 0: Oh, two kids, Matthew\n\nChannel 1: In\n\nChannel 0: and\n\nChannel 1: total.\n\nChannel 0: your daughter. Cool.\n\nChannel 1: Yes.\n\nChannel 0: So if you were to buy the house, there's two ways that you can buy a property, either tenants in common or joint tenants. And it's all come all comes down to how you do the paperwork when you purchase it with your solicitor\n\nChannel 1: Mhmm.\n\nChannel 0: or your conveyancer. And one of it's it's it's a really important thing that you need to consider when you're buying a house with multiple people in this situation. It was just you and your husband. You know, it's it's still important. It becomes more important the older we get.\n\nIt is still an important thing because we wanna make sure that, you know, the house goes to the people we want the house to go to.\n\nChannel 1: Yep.\n\nChannel 0: Now if when you if you when you buy the house so I always mix these up. I don't know why. They're the same thing, but they're not the same thing. So joint tenants are where you both equally own the property. So Linda owns a 100%, Matthew owns a 100%, Matthew's wife owns a 100%, and Linda's husband owns a 100%.\n\nI'm sorry. I don't know everyone else's name. So all four of you own a 100% of the property. So it means that if anyone was to pass away, irrespective of who that was, the other three parties continue to own a 100%.\n\nChannel 1: Yep.\n\nChannel 0: Okay?\n\nChannel 1: Yep.\n\nChannel 0: As tenants in common, what happen is you all have a defined share of the property. So I I e, you could earn 25%, your husband owns 25%, Matthew earns 25%, and Matthew's wife owns 25%. So it means that if anyone was to pass away, the 25% ownership that belonged to that individual would actually form part of their estate. So for example, if you or your husband were to pass away, that share in that house would go through to your estate and could be and from your estate could be decided on you know, your will would govern what happens. So it could mean that your daughter actually ends up getting a share of that house as well, not just it going fully through to your son.\n\nChannel 1: Yeah.\n\nChannel 0: Because that that's a consideration. It's because you're you're gonna put so much of this money into you're basically gonna be putting over a million dollars into this house. What do you want to happen with that million dollars upon your upon you dying? Do you want it all to go to Matthew, or do we want some of the funds to go to your daughter as well?\n\nChannel 1: Yeah. And and that is also a little bit of a a sticky situation.\n\nChannel 0: Yeah.\n\nChannel 1: So, you know, obviously, we would like them to have 50% each, but by the same token, I don't want him to be forced to sell a property that he wants to stay on.\n\nChannel 0: Yep. And he wouldn't necessarily have to be forced to sell it. He would possibly be forced to take out a loan to pay her out,\n\nChannel 1: Yep. Okay. Okay.\n\nChannel 0: and that's kind of where would sit, is that your ownership so yours and your husband's ownership of that property would be would would basically be hit the estate, and the estate or the the will could stipulate that, you\n\nChannel 1: Okay.\n\nChannel 0: know, Matthew\n\nChannel 1: Yeah.\n\nChannel 0: doesn't have to move out of the house. You have survivorship rights written into it. That that whole portion of buying the house if you bought it shared and how you and your husband would write your wills, and in turn, obviously, Matthew and his wife would need to probably do something similar. If anything happened to them while they're young, things happen, unfortunately, is that you would sit down with a with an estate lawyer, and you would go through and be like, look. These are our wishes.\n\nThis is what we want to happen. You know, if anything happens to to to yourself, you want, basically, maybe your house you you could dictate that your estate transfers to your husband and your husband's transfers to you. So, basically, your percentage of the asset transfers to each other. So that way, while both like, while one of you were alive and living in that house, the money doesn't go to the estate. And then as a second sort of bracket is that if me like, if if the opposite person is no longer alive, then it goes to the estate, and then your daughter would have like, your daughter and your son would have to, you know, mortgage buyout daughter.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: So that that kind of planning in buying a a shared house to this degree would be something that you would definitely need to sit down with a lawyer and talk about to make sure that it was nice and smooth in the estate planning side of things. But in terms of, I guess, longevity of the money, what to do with the money that's left over from the sale, that comes from someone like myself where I could sit down and and you're only at Arundel, so I could you you could come into the office and we could we could meet with both you and your husband. I could meet with, you know, all four of you. And we could talk about I mean, essentially, from what you're saying, this money is gonna be yours, so it's it's planning for your longevity. But we could talk about what to do with that money, how to best tax effectively, make sure that it's gonna be there, and talk about how we make sure that the income you receive from any of your assets moving forward is going to work for you.\n\nSo how is your lifestyle change going to affect CenturyLink? Is it going to affect CenturyLink? You know, with the lump sum of money that you receive, what do we need to do from there?\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: So oh, I mean, we can start the conversation now. That's absolutely okay. I know Matthew kind of dumped it on you. So no.\n\nChannel 1: Yeah.\n\nChannel 0: But\n\nChannel 1: I think from\n\nChannel 0: yeah.\n\nChannel 1: his\n\nChannel 0: It's\n\nChannel 1: point of view, apart from the fact that he is working in Brisbane today,\n\nChannel 0: Yeah.\n\nChannel 1: it was more to do with our retirement, which I haven't done as yet. So\n\nChannel 0: May I ask how old are you and your husband?\n\nChannel 1: my husband's 76. He's retired, and\n\nChannel 0: Yep.\n\nChannel 1: I'm 70\n\nChannel 0: Okay. Perfect. And you're still working part time at the moment?\n\nChannel 1: one. Four days a week. So, yeah, part\n\nChannel 0: Pretty\n\nChannel 1: time,\n\nChannel 0: pretty\n\nChannel 1: basically.\n\nChannel 0: full. Yep.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Pretty full time. Cool.\n\nChannel 1: Yeah.\n\nChannel 0: And sources of income for you guys as a household at the moment would be, obviously, your employment income, but your husband is receiving, like, Centrelink or income from Super Investments.\n\nChannel 1: No. No super. Centrelink, he just gets a pittance, really, because I'm working, but he does get a UK pension.\n\nChannel 0: Yep. Yep.\n\nChannel 1: So, roughly, together, it's about about $1,400, and it really depends on the exchange rate. That's\n\nChannel 0: Yep.\n\nChannel 1: on a weekly basis.\n\nChannel 0: Weekly. Okay. And then your income do you know what your income is per pay cycle?\n\nChannel 1: I did have to pull this down. So income. Right. Current weekly income with both of them is 1,346, I think, for both of us\n\nChannel 0: $1.03.\n\nChannel 1: for the week. That is subject to change. It depends\n\nChannel 0: Yes.\n\nChannel 1: what exchange rates I get on the UK pension.\n\nChannel 0: Yep. So do you receive a UK pension as well?\n\nChannel 1: No. I just\n\nChannel 0: No.\n\nChannel 1: do his.\n\nChannel 0: Okay. Cool.\n\nChannel 1: I'm the\n\nChannel 0: So\n\nChannel 1: financial person.\n\nChannel 0: yeah. Absolutely. So $13.46, and that is what he receives from Centrelink, what he receives from UK pension, and your income per week.\n\nChannel 1: Yes.\n\nChannel 0: Yep. Cool. Cool. Cool. Yeah.\n\nSo 1,400 was a pretty good ballpark. Alright. And that's currently what you're comfortable living on?\n\nChannel 1: Yeah. I\n\nChannel 0: Yep.\n\nChannel 1: mean, if we go in with Matt, then, obviously, it's gonna come down because there won't be mortgages. At the moment, I still have a little bit of a mortgage,\n\nChannel 0: Okay.\n\nChannel 1: but that would be paid out with the offset,\n\nChannel 0: K.\n\nChannel 1: basically.\n\nChannel 0: So what so value of a home is, as you said, something somewhere sitting around the 1.4 ish.\n\nChannel 1: Yeah.\n\nChannel 0: And then what's the loan that we have on the property?\n\nChannel 1: The loan at the moment is 227,000, and we've got 205,000 in an offset.\n\nChannel 0: Yep. Okay. So the offset plus a small portion from the sale of the property would clear that out quite comfortably.\n\nChannel 1: Yeah. About 30,000, I think.\n\nChannel 0: Very comfortably.\n\nChannel 1: Yeah.\n\nChannel 0: Okay. And then from that, you we've got basically, the remainder of the money even if we round it to about 1.3 by the time all the fees and transfer duties and solicitor and real estate agent are all paid for. 1.3 left.\n\nChannel 1: Yeah.\n\nChannel 0: We'd be putting in sort of, what, about $900,000 into\n\nChannel 1: I think we'd probably be putting a little bit more than Matt because his mortgage is higher.\n\nChannel 0: Yep.\n\nChannel 1: And the property, I think, at the moment sits about $815,900,000 in a sale.\n\nChannel 0: His does? Yep. Okay. So $8.50 to 900 and then roughly ballparking\n\nChannel 1: Yeah.\n\nChannel 0: his mortgage, if you could.\n\nChannel 1: 350.\n\nChannel 0: Okay. So 350,000 left. So so then you guys would and then do you know what the property amount that you're looking to, I guess, buy out there?\n\nChannel 1: We're looking round about $1.05.\n\nChannel 0: Okay. Okay. So if we were to go and do that, you guys would have a larger portion share than Matthew\n\nChannel 1: Yep.\n\nChannel 0: would.\n\nChannel 1: Yep.\n\nChannel 0: Yep. So buying a tenant in common with you and your husband having a larger share would make\n\nChannel 1: Oh, would it? Okay. And I did\n\nChannel 0: sense.\n\nChannel 1: slightly look into that and looked at the joint tenants and the oh gosh. There was another one.\n\nChannel 0: Mhmm. Tenants in common.\n\nChannel 1: Yes.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. So I looked at both of them.\n\nChannel 0: Yep.\n\nChannel 1: I wasn't quite sure which way to go on that.\n\nChannel 0: Sitting down and talking with your solicitor is definitely a way to go, but realistically speaking, I guess, just based on vibes of this conversation alone, making sure that your daughter gets some of the assets, tenants in common is probably more towards the way you wanna go.\n\nChannel 1: Okay.\n\nChannel 0: And all it's just gonna mean is that is that your daughter is actually gonna be able to get some of the estate. Because realistically speaking, like, if I actually do the math out on this So let's just go 1,300,000 by the time you pay out your mortgage. Let's just go $8.50 for him, which will leave him with 500,000. By the time he pays for all the sales, it'll probably leave him with about 450,000 in cash. Why didn't I round the numbers to make it easy for myself?\n\nChannel 1: Yeah. Ballpark trigger is always good.\n\nChannel 0: Right. That's okay. Cool. So, realistically speaking, we'll have about 1.75 to play with to buy the property. So\n\nChannel 1: Yeah.\n\nChannel 0: we'll still have a little bit left over. It just depends on how much each of you end up putting in. So if we kind of put it to the degree where we each have some money left over, then you guys are gonna end up with more than, like, more than you guys will end up with basically more than two thirds of the property ownership.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: Like, if I just not consider four individual people and just consider two couples, it'll basically I guess, it it can come down to you'll have a third, your husband will have a third, and then between Matthew and his wife, they'll kind of have a third ish\n\nChannel 1: Yeah. Okay.\n\nChannel 0: ish. It's you guys will have more than two thirds, but if we're just ballparking it. And you can definitely operate it that way because it's just it's percentage based of who owns what. And then what will happen is, realistically, you like, you could have that upon, like, upon one of you and your husband passing away, it goes to the other person. Once both of you have passed away, half of the ownership of the property goes to Matthew, and the other half of the ownership goes to your daughter.\n\nAnd then solicitor will have to kind of talk about how that can work. Because, theoretically, yes, if Matthew cannot service a loan at that time to buy your daughter out, it could mean that he has to sell the house to buy\n\nChannel 1: Yeah.\n\nChannel 0: her out.\n\nChannel 1: And\n\nChannel 0: It\n\nChannel 1: that's\n\nChannel 0: could\n\nChannel 1: what\n\nChannel 0: it\n\nChannel 1: I didn't\n\nChannel 0: can,\n\nChannel 1: want.\n\nChannel 0: yeah, it can turn narcissistic, and it it can turn really catty if anything happens. But in\n\nChannel 1: Yeah.\n\nChannel 0: saying that, there will be decent equity in the house. Like,\n\nChannel 1: Yeah.\n\nChannel 0: we're we're not we're not gonna have, like, we're not gonna have a loan on a property like that.\n\nChannel 1: Yeah. No. We're\n\nChannel 0: The\n\nChannel 1: not.\n\nChannel 0: other the other option is is that Matthew could look at taking out a loan. So on the $1,500,000, like, purchase, you you both go in evenly. It means that\n\nChannel 1: Okay.\n\nChannel 0: in the future, like because that's always that's always an option is that you guys front the cash equity. It leaves you with more cash on the on the on the back end, and then Matthew could could go in with what he has as a cash equity and then get a mortgage.\n\nChannel 1: Yeah. Okay. So doing it that way, the joint tenants\n\nChannel 0: I still wouldn't joint tenants it because that means it goes completely to Matthew upon your death.\n\nChannel 1: then. Alright. Okay.\n\nChannel 0: I would I would still, like realistically and honestly, if I'm if I'm just if I'm gonna be brutally honest, I would go with tenants in common, full stop, and a story. It's just dependent\n\nChannel 1: Yeah.\n\nChannel 0: on how much you each actually hold as an ownership share is what it's gonna come down to. Because\n\nChannel 1: Right.\n\nChannel 0: if you\n\nChannel 1: Okay.\n\nChannel 0: go with joint tenants, Matthew gets the property, your daughter gets nothing.\n\nChannel 1: Yeah. Okay. And I don't want that.\n\nChannel 0: Yeah. Unless there's unless there's something else that you guys own that you that is of of equivalent share that you're happy for her to have, then by all means. But otherwise, your daughter gets nothing.\n\nChannel 1: Yeah. No. There is nothing house. Most of the equity is in the house.\n\nChannel 0: And that would that that's a little bit of favoritism. I have three kids, so I get it. So yeah. So it just it just depended on how you guys actually purchased the property. And then a a a bit of a conversation with Matthew, which is why like, if you guys do wanna go into, like, advice, which I can definitely do, we can talk about longevity of income, where to put the money when we sell the house, how to, you know, nestle it away.\n\nYou obviously have a job here in Australia. So you have a super fund. Super funds are a a great\n\nChannel 1: Yeah.\n\nChannel 0: tax effective structure. So it could be a matter of, like, squirreling the money away there. You you know, it can be done tax effectively. It can be done just to, you know, put the money away so that way it's sort of sheltered a little bit. It just it all depends on depends on realistically what you wanna get out of it.\n\nBut if I if we have a conversation with all four of us or even if it's just yourself and Matthew and myself to talk a little bit about, I guess, both sides of the of the house purchase and what Matthew is willing to do, what you're willing to do, because it it might be it might work out well for you if Matthew just goes and gets another loan.\n\nChannel 1: Yeah. Yeah. That that might be a good thing to look at. So so I am looking at, if we go for the acreage, possibly retiring,\n\nChannel 0: Yep.\n\nChannel 1: and I just didn't want the surplus money that we had to be dwindled away.\n\nChannel 0: Yeah. You wanna you\n\nChannel 1: And\n\nChannel 0: wanna\n\nChannel 1: then\n\nChannel 0: have\n\nChannel 1: as\n\nChannel 0: it\n\nChannel 1: you say, I've got super as well, which isn't an awful lot. I lost an awful lot a while back, so it'd\n\nChannel 0: Yep.\n\nChannel 1: only be about 50,000.\n\nChannel 0: Okay. And I'm just gonna so, like, I there is definitely an accent there for you. You are from The UK as well. Are you not?\n\nChannel 1: I am. Yeah.\n\nChannel 0: Cool. But do you have access to any form of UK pension in the future?\n\nChannel 1: I haven't even gone down that avenue, to be honest. I'd much prefer to get my Australian pension.\n\nChannel 0: Okay. Yep. Absolutely, sir. Cool.\n\nChannel 1: Yeah. And it wouldn't have been a lot because I was on a married woman's stamp, as they called it in the day,\n\nChannel 0: Yep.\n\nChannel 1: which meant you didn't have to pay in land revenue, which means\n\nChannel 0: Yep.\n\nChannel 1: you get a very, very reduced pension. So\n\nChannel 0: Yep.\n\nChannel 1: I thought I'd much rather get a full pension in Australia, and then I don't have the hassle of all the exchange rates, etcetera.\n\nChannel 0: Fair enough. No. Okay. Cool. So we can sit down.\n\nWe can talk more to that degree, but it's gonna come down to probably the four of you sitting down, having a conversation about, like, ownership shares and how much each of you are coming to the party with\n\nChannel 1: Yeah.\n\nChannel 0: to go and buy that property.\n\nChannel 1: Mhmm.\n\nChannel 0: And you guys just being forthcoming with the fact that, yeah, no. Like, after we pass away, we wanna make sure that your sister is going to end up with some of our estate. Our estate is this house. You're gonna have to buy her out of this house. We wanna buy it as tenants in common.\n\nThe choice now is do does Matthew and his wife get a loan? So that way they can have equal or more than equal shares. Because theoretically, if they got a loan for\n\nChannel 1: Yeah.\n\nChannel 0: a decent amount, they could have a higher share of the property.\n\nChannel 1: Yes. And that would be a better scenario.\n\nChannel 0: It'll leave you guys with more cash,\n\nChannel 1: Yeah.\n\nChannel 0: so on and so\n\nChannel 1: Okay.\n\nChannel 0: forth.\n\nChannel 1: Yeah. Okay. That's good. I really do think we we need to check both avenues, see which way he's comfortable with,\n\nChannel 0: Yep.\n\nChannel 1: and then maybe come in and see you. Can I ask you, when we come in, what would the fees be?\n\nChannel 0: Yeah. So our initial consultation is completely for free. We don't charge a fee. So just for us to sit down and have a conversation, sometimes I feel like I'm more of a mediator than anything else From there, if we implement any of the advice, we do charge a fee. So it depends on where the advice is aimed at.\n\nSomething to this degree would be $2,200, where we would be looking at, you know, cash flow structures and stuff like that.\n\nChannel 1: Yeah.\n\nChannel 0: And that would be payable before the advice is delivered just because of what the scope of the advice is. And that could just be invoiced as a as a cash payment. If you wanted ongoing advice, so if we, you know, say, looked at invest, like, changing superannuation companies, investing super, you know, tax reduction, cash flow ongoing, stuff like that, then we can you know, we'd talk about what that looks like when the advice was delivered. But that's all just kinda dependent on on that sort of time frame or that, sorry, scope of advice.\n\nChannel 1: Okay. And would you be able to give the advice on if we have surplus money, where to put that?\n\nChannel 0: Yeah. Absolutely. We I can look at investigating, like, investment options. I can look at, like, estate planning options. So if you wanna specifically put money away for estate planning purposes, if you wanted to look at tax effective assets or if we, you know, we want to look at which is probably realistically the avenue we're gonna look at is longevity of cash flow.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Yep.\n\nChannel 1: I don't wanna get to a an old age and then have nothing left.\n\nChannel 0: Have nothing.\n\nChannel 1: And we never know how long we've got, so I can't forward plan\n\nChannel 0: Yeah.\n\nChannel 1: on\n\nChannel 0: No.\n\nChannel 1: a certain time. So\n\nChannel 0: We plan for as\n\nChannel 1: yeah.\n\nChannel 0: long as we can, but yes.\n\nChannel 1: Yeah. Yeah. That's really good. I think you've you've really answered a lot of my questions. I'm sure Matt would have probably had more, but, yeah, we'll have to come back to that.\n\nSo,\n\nChannel 0: No. Absolutely.\n\nChannel 1: yeah, thank you so much for that. It's\n\nChannel 0: No.\n\nChannel 1: really\n\nChannel 0: It's okay.\n\nChannel 1: appreciated.\n\nChannel 0: No.\n\nChannel 1: And\n\nChannel 0: My pleasure. Once you sit down and have a chat with Matt and well, Matthew, and and kind of have a bit more of an open conversation now that you have a bit more information. If\n\nChannel 1: Yes.\n\nChannel 0: you Matthew has my email address, so feel free to flick an email through. If Matthew has any more questions, feel free to do so. Or if you guys just wanna come into the office, yeah, just send me an email and we can organize a time, and we can sit down whether it's yourself and Matthew or whether it's all four of us, either either way.\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: We're five of us, I guess. Either either way, we can do that. We can have a nice coffee and go from there.\n\nChannel 1: Perfect. Alright. Thank you very much. That's really enlightening and and good to get some professional advice as well.\n\nChannel 0: No. Absolutely. My pleasure.\n\nChannel 1: Alright. Thank you. You have a lovely evening.\n\nChannel 0: You too, Linda. Bye.\n\nChannel 1: Thank you. Bye bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":0.71999997,"end":1.1999999,"sentiment":"neutral","sentiment_score":0.031198646873235703},{"text":"Linda speaking.","start":1.1999999,"end":2.1,"sentiment":"neutral","sentiment_score":0.02714308351278305}],"sentiment":"neutral","sentiment_score":0.02849493796626727,"channel":1,"num_words":3,"start":0.71999997,"end":2.1},{"sentences":[{"text":"Hi, Linda.","start":3.12,"end":4.08,"sentiment":"neutral","sentiment_score":0.14643733203411102},{"text":"My name is Larissa from Oakview Financial.","start":4.08,"end":5.8399997,"sentiment":"neutral","sentiment_score":0.15608286431857518},{"text":"How are you going?","start":5.8399997,"end":6.66,"sentiment":"neutral","sentiment_score":0.1994892917573452}],"sentiment":"neutral","sentiment_score":0.16795476010212532,"channel":0,"num_words":13,"start":3.12,"end":6.66},{"sentences":[{"text":"I'm well.","start":7.04,"end":7.7599998,"sentiment":"positive","sentiment_score":0.37754230201244354},{"text":"Thank you.","start":7.7599998,"end":8.24,"sentiment":"positive","sentiment_score":0.5965235233306885},{"text":"How are you today?","start":8.24,"end":9.3,"sentiment":"positive","sentiment_score":0.36992284655570984}],"sentiment":"positive","sentiment_score":0.4284778796136379,"channel":1,"num_words":8,"start":7.04,"end":9.3},{"sentences":[{"text":"Really good.","start":10.0,"end":10.8,"sentiment":"positive","sentiment_score":0.6464880406856537},{"text":"Thank you.","start":10.8,"end":11.62,"sentiment":"positive","sentiment_score":0.5781395733356476},{"text":"Now Matthew, who I believe is your son, may have thrown you under the bus and told me to give you a call today because he would be in transit from work to home to have a bit","start":12.315,"end":23.035,"sentiment":"neutral","sentiment_score":-0.06799877699660628}],"sentiment":"neutral","sentiment_score":-0.003207102329248474,"channel":0,"num_words":42,"start":10.0,"end":23.035},{"sentences":[{"text":"Yes.","start":22.835,"end":23.335,"sentiment":"neutral","sentiment_score":0.03646638244390488}],"sentiment":"neutral","sentiment_score":0.03646638244390488,"channel":1,"num_words":1,"start":22.835,"end":23.335},{"sentences":[{"text":"of a chat.","start":23.035,"end":23.695,"sentiment":"neutral","sentiment_score":0.04671390727162361}],"sentiment":"neutral","sentiment_score":0.04671390727162361,"channel":0,"num_words":3,"start":23.035,"end":23.695},{"sentences":[{"text":"Excellent.","start":24.515,"end":25.015,"sentiment":"positive","sentiment_score":0.410681426525116},{"text":"Okay.","start":25.66,"end":26.16,"sentiment":"neutral","sentiment_score":0.16322961449623108},{"text":"So to give you an outline of what we want to do,","start":26.22,"end":30.56,"sentiment":"neutral","sentiment_score":0.11857600385944049}],"sentiment":"neutral","sentiment_score":0.14263022052390234,"channel":1,"num_words":14,"start":24.515,"end":30.56},{"sentences":[{"text":"Perfect.","start":31.1,"end":31.6,"sentiment":"neutral","sentiment_score":0.29688820242881775}],"sentiment":"neutral","sentiment_score":0.29688820242881775,"channel":0,"num_words":1,"start":31.1,"end":31.6},{"sentences":[{"text":"my husband and I are seniors, but I still work.","start":32.06,"end":35.52,"sentiment":"neutral","sentiment_score":0.07150952368974686}],"sentiment":"neutral","sentiment_score":0.07150952368974686,"channel":1,"num_words":10,"start":32.06,"end":35.52},{"sentences":[{"text":"Yep.","start":35.98,"end":36.48,"sentiment":"neutral","sentiment_score":0.058693643659353256}],"sentiment":"neutral","sentiment_score":0.058693643659353256,"channel":0,"num_words":1,"start":35.98,"end":36.48},{"sentences":[{"text":"We do have collateral in the home, and we're looking at two scenarios.","start":37.260002,"end":41.555,"sentiment":"neutral","sentiment_score":-0.0063488558472062535},{"text":"I think ours is worth about 1.4, 1.5.","start":42.495,"end":45.875,"sentiment":"neutral","sentiment_score":-0.03166041965596378},{"text":"So we are looking at downsizing.","start":46.415,"end":48.995,"sentiment":"neutral","sentiment_score":-0.0933503545820713},{"text":"It's too big for","start":49.775,"end":50.495003,"sentiment":"neutral","sentiment_score":-0.26661815866827965}],"sentiment":"neutral","sentiment_score":-0.063303007916998,"channel":1,"num_words":31,"start":37.260002,"end":50.495003},{"sentences":[{"text":"Mhmm.","start":50.405,"end":50.905,"sentiment":"neutral","sentiment_score":-0.11455856263637544}],"sentiment":"neutral","sentiment_score":-0.11455856263637544,"channel":0,"num_words":1,"start":50.405,"end":50.905},{"sentences":[{"text":"us.","start":50.495003,"end":50.895,"sentiment":"neutral","sentiment_score":-0.08213874697685242},{"text":"So we've got two scenarios that we are thinking of.","start":50.895,"end":54.675,"sentiment":"neutral","sentiment_score":-0.017880579456686974},{"text":"One being that we buy a property, Hervey Bay, which is a lot cheaper.","start":55.26,"end":60.879997,"sentiment":"neutral","sentiment_score":-0.008335426848913943},{"text":"Our daughter lives there.","start":61.899998,"end":63.339996,"sentiment":"neutral","sentiment_score":0.0003028507344424724},{"text":"So we would then have a surplus.","start":63.339996,"end":65.36,"sentiment":"neutral","sentiment_score":0.022230023784296855}],"sentiment":"neutral","sentiment_score":-0.006133859666685264,"channel":1,"num_words":36,"start":50.495003,"end":65.36},{"sentences":[{"text":"I think it's about 400,000.","start":65.58,"end":68.0,"sentiment":"neutral","sentiment_score":0.014834922924637794},{"text":"Our other scenario would be to amalgamate with Matthew and buy an acreage, Bloemkin Village Way, etcetera.","start":70.225,"end":79.445,"sentiment":"neutral","sentiment_score":0.005219763473552816},{"text":"We would still hope to have a bit of surplus from that.","start":80.625,"end":84.005,"sentiment":"neutral","sentiment_score":0.04801300633698702},{"text":"And with all the rules and regulations, we're just wondering where the money would be best placed.","start":84.509995,"end":92.28999,"sentiment":"neutral","sentiment_score":-0.04785740506999633},{"text":"And, also, if we go in with Matt, then are we going to be","start":93.149994,"end":99.975006,"sentiment":"neutral","sentiment_score":-0.054752730897494724}],"sentiment":"neutral","sentiment_score":-0.01293919152365281,"channel":1,"num_words":65,"start":65.58,"end":99.975006},{"sentences":[{"text":"Yeah.","start":99.875,"end":100.375,"sentiment":"neutral","sentiment_score":-0.11662328243255617}],"sentiment":"neutral","sentiment_score":-0.11662328243255617,"channel":0,"num_words":1,"start":99.875,"end":100.375},{"sentences":[{"text":"penalized in any way?","start":100.035,"end":101.475006,"sentiment":"neutral","sentiment_score":-0.22361969202756882},{"text":"I know for seniors, things are changing a lot tax wise.","start":101.475006,"end":106.455,"sentiment":"neutral","sentiment_score":-0.1760744655674154}],"sentiment":"neutral","sentiment_score":-0.18875319262345633,"channel":1,"num_words":15,"start":100.035,"end":106.455},{"sentences":[{"text":"Cool.","start":109.17,"end":109.649994,"sentiment":"neutral","sentiment_score":0.15156656503677368},{"text":"Absolutely.","start":109.649994,"end":110.149994,"sentiment":"neutral","sentiment_score":0.1436011642217636},{"text":"Alright.","start":110.369995,"end":110.869995,"sentiment":"neutral","sentiment_score":0.07846787571907043},{"text":"So there's a couple of things at play.","start":111.25,"end":115.03,"sentiment":"neutral","sentiment_score":0.017954359529539943},{"text":"One, by the sounds of it, your home is a primary residence.","start":117.25,"end":121.354996,"sentiment":"neutral","sentiment_score":0.016691946114103}],"sentiment":"neutral","sentiment_score":0.03119886237318101,"channel":0,"num_words":23,"start":109.17,"end":121.354996},{"sentences":[{"text":"Can I ask, has it always been your home?","start":121.415,"end":124.134995,"sentiment":"neutral","sentiment_score":0.000992072228756216},{"text":"Have you ever invested like, had it as an investment property, anything like that?","start":124.134995,"end":127.91499,"sentiment":"neutral","sentiment_score":-0.007747967461390155}],"sentiment":"neutral","sentiment_score":-0.004327951930463314,"channel":0,"num_words":23,"start":121.415,"end":127.91499},{"sentences":[{"text":"No.","start":128.045,"end":128.445,"sentiment":"neutral","sentiment_score":-0.0985599085688591},{"text":"It's always been","start":128.445,"end":129.085,"sentiment":"neutral","sentiment_score":-0.061161200205485024}],"sentiment":"neutral","sentiment_score":-0.07051087729632854,"channel":1,"num_words":4,"start":128.045,"end":129.085},{"sentences":[{"text":"Nope.","start":129.015,"end":129.515,"sentiment":"neutral","sentiment_score":-0.11549997329711914}],"sentiment":"neutral","sentiment_score":-0.11549997329711914,"channel":0,"num_words":1,"start":129.015,"end":129.515},{"sentences":[{"text":"on home.","start":129.085,"end":129.825,"sentiment":"neutral","sentiment_score":-0.04916319623589516}],"sentiment":"neutral","sentiment_score":-0.04916319623589516,"channel":1,"num_words":2,"start":129.085,"end":129.825},{"sentences":[{"text":"Cool.","start":129.97499,"end":130.455,"sentiment":"neutral","sentiment_score":0.10400673747062684},{"text":"So it is capital gains exempt, which means that you won't pay any tax, like capital gains tax, upon the sale of that property.","start":130.455,"end":139.82,"sentiment":"neutral","sentiment_score":0.11682035805036624},{"text":"You will just be able to, obviously, with any sales commissions and transfer obligations, solicitous fees, stuff like that do obviously come out.","start":140.28,"end":151.785,"sentiment":"neutral","sentiment_score":0.11675657040399054},{"text":"But, essentially speaking, whatever you sell it for less those fees is what you're gonna end up with.","start":152.405,"end":158.08499,"sentiment":"positive","sentiment_score":0.3560430192285114},{"text":"So there's no tax implications that you're going to see from that.","start":158.08499,"end":162.265,"sentiment":"positive","sentiment_score":0.4507983935376008}],"sentiment":"neutral","sentiment_score":0.22322373741712326,"channel":0,"num_words":78,"start":129.97499,"end":162.265},{"sentences":[{"text":"So that's great.","start":162.325,"end":163.225,"sentiment":"positive","sentiment_score":0.8159202138582865}],"sentiment":"positive","sentiment_score":0.8159202138582865,"channel":0,"num_words":3,"start":162.325,"end":163.225},{"sentences":[{"text":"Okay.","start":163.805,"end":164.305,"sentiment":"positive","sentiment_score":0.3587377667427063}],"sentiment":"positive","sentiment_score":0.3587377667427063,"channel":1,"num_words":1,"start":163.805,"end":164.305},{"sentences":[{"text":"Now if you were to downsize and buy another house I mean, irrespective, even if you were to go in with Matthew and his wife and and and and move into another house, you could still claim downsizing.","start":165.36,"end":184.355,"sentiment":"neutral","sentiment_score":0.08418632779074342},{"text":"And there's still things that you can do with that money if there is money left over.","start":185.055,"end":189.635,"sentiment":"neutral","sentiment_score":0.13843034426955617},{"text":"It just depends on, I guess, when when it comes down to it, what you sell the house for, what you're gonna have left over after buying the new house.","start":189.695,"end":199.68,"sentiment":"neutral","sentiment_score":0.017699425077686706},{"text":"Because if you buy the house in Harvey Bay, as you said, you'll have about 400,000 left over.","start":199.68,"end":203.295,"sentiment":"neutral","sentiment_score":0.025088586637543306},{"text":"Do","start":203.535,"end":203.69499,"sentiment":"neutral","sentiment_score":0.01708357222378254}],"sentiment":"neutral","sentiment_score":0.06300054992943142,"channel":0,"num_words":104,"start":165.36,"end":203.69499},{"sentences":[{"text":"Yep.","start":203.64,"end":204.14,"sentiment":"neutral","sentiment_score":0.04000701382756233}],"sentiment":"neutral","sentiment_score":0.04000701382756233,"channel":1,"num_words":1,"start":203.64,"end":204.14},{"sentences":[{"text":"you know what what the scenario is if you buy out at Logan Village?","start":203.69499,"end":208.11499,"sentiment":"neutral","sentiment_score":-0.008182065561413765}],"sentiment":"neutral","sentiment_score":-0.008182065561413765,"channel":0,"num_words":14,"start":203.69499,"end":208.11499},{"sentences":[{"text":"I'm thinking about 200.","start":208.76,"end":210.935,"sentiment":"neutral","sentiment_score":-0.015952604124322534}],"sentiment":"neutral","sentiment_score":-0.015952604124322534,"channel":1,"num_words":4,"start":208.76,"end":210.935},{"sentences":[{"text":"Okay.","start":211.61499,"end":211.935,"sentiment":"neutral","sentiment_score":-0.02057558111846447},{"text":"So it'll be a little bit less in our pocket.","start":211.935,"end":214.435,"sentiment":"neutral","sentiment_score":-0.09671142101287841}],"sentiment":"neutral","sentiment_score":-0.08978998102247715,"channel":0,"num_words":11,"start":211.61499,"end":214.435},{"sentences":[{"text":"Yep.","start":214.195,"end":214.695,"sentiment":"neutral","sentiment_score":0.01842088997364044}],"sentiment":"neutral","sentiment_score":0.01842088997364044,"channel":1,"num_words":1,"start":214.195,"end":214.695},{"sentences":[{"text":"Okay.","start":214.97499,"end":215.47499,"sentiment":"neutral","sentiment_score":0.043259501457214355}],"sentiment":"neutral","sentiment_score":0.043259501457214355,"channel":0,"num_words":1,"start":214.97499,"end":215.47499},{"sentences":[{"text":"Yep.","start":214.995,"end":215.495,"sentiment":"neutral","sentiment_score":0.04892485961318016}],"sentiment":"neutral","sentiment_score":0.04892485961318016,"channel":1,"num_words":1,"start":214.995,"end":215.495},{"sentences":[{"text":"So I guess excluding and ignoring Matthew as a whole scenario, which which avenue works for you?","start":216.015,"end":224.03,"sentiment":"neutral","sentiment_score":0.013965094571604449},{"text":"Which one do you, I guess, socially see as more beneficial?","start":224.03,"end":227.49,"sentiment":"neutral","sentiment_score":0.05096141282807697},{"text":"Not","start":228.67,"end":228.91,"sentiment":"neutral","sentiment_score":-0.07266344130039215}],"sentiment":"neutral","sentiment_score":0.02501098991468035,"channel":0,"num_words":29,"start":216.015,"end":228.91},{"sentences":[{"text":"I don't","start":228.75,"end":229.15,"sentiment":"neutral","sentiment_score":-0.11154410615563393}],"sentiment":"neutral","sentiment_score":-0.11154410615563393,"channel":1,"num_words":2,"start":228.75,"end":229.15},{"sentences":[{"text":"financially,","start":228.91,"end":229.41,"sentiment":"neutral","sentiment_score":-0.1188117116689682}],"sentiment":"neutral","sentiment_score":-0.1188117116689682,"channel":0,"num_words":1,"start":228.91,"end":229.41},{"sentences":[{"text":"know.","start":229.15,"end":229.65,"sentiment":"neutral","sentiment_score":-0.1199808120727539}],"sentiment":"neutral","sentiment_score":-0.1199808120727539,"channel":1,"num_words":1,"start":229.15,"end":229.65},{"sentences":[{"text":"but socially.","start":229.71,"end":230.43001,"sentiment":"neutral","sentiment_score":-0.06969296187162399},{"text":"You you haven't really considered the that 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things?","start":233.405,"end":233.88501,"sentiment":"neutral","sentiment_score":-0.051694123074412346}],"sentiment":"neutral","sentiment_score":-0.051694123074412346,"channel":0,"num_words":2,"start":233.405,"end":233.88501},{"sentences":[{"text":"would","start":233.63,"end":234.11,"sentiment":"neutral","sentiment_score":-0.031069807708263397}],"sentiment":"neutral","sentiment_score":-0.031069807708263397,"channel":1,"num_words":1,"start":233.63,"end":234.11},{"sentences":[{"text":"Or","start":233.88501,"end":234.38501,"sentiment":"neutral","sentiment_score":-0.03915521502494812}],"sentiment":"neutral","sentiment_score":-0.03915521502494812,"channel":0,"num_words":1,"start":233.88501,"end":234.38501},{"sentences":[{"text":"I would say going in with 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1,400 was a pretty good ballpark.","start":942.245,"end":944.185,"sentiment":"positive","sentiment_score":0.478954872914723},{"text":"Alright.","start":946.085,"end":946.585,"sentiment":"positive","sentiment_score":0.3405695855617523},{"text":"And that's currently what you're comfortable living 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ish.","start":969.315,"end":976.13495,"sentiment":"neutral","sentiment_score":0.027606566591809194}],"sentiment":"neutral","sentiment_score":0.027606566591809194,"channel":0,"num_words":18,"start":969.315,"end":976.13495},{"sentences":[{"text":"Yeah.","start":976.50995,"end":977.00995,"sentiment":"neutral","sentiment_score":0.03010448068380356}],"sentiment":"neutral","sentiment_score":0.03010448068380356,"channel":1,"num_words":1,"start":976.50995,"end":977.00995},{"sentences":[{"text":"And then what's the loan that we have on the property?","start":977.795,"end":980.375,"sentiment":"neutral","sentiment_score":0.014910440383986994}],"sentiment":"neutral","sentiment_score":0.014910440383986994,"channel":0,"num_words":11,"start":977.795,"end":980.375},{"sentences":[{"text":"The loan at the moment is 227,000, and we've got 205,000 in an offset.","start":981.06995,"end":992.14496,"sentiment":"neutral","sentiment_score":0.008520333096385002}],"sentiment":"neutral","sentiment_score":0.008520333096385002,"channel":1,"num_words":14,"start":981.06995,"end":992.14496},{"sentences":[{"text":"Yep.","start":992.57,"end":992.97,"sentiment":"neutral","sentiment_score":0.03813780099153519},{"text":"Okay.","start":992.97,"end":993.47,"sentiment":"neutral","sentiment_score":-0.018885010853409767},{"text":"So the offset plus a small portion from the sale of the property would clear that out quite comfortably.","start":993.69,"end":998.625,"sentiment":"positive","sentiment_score":0.44872035948853745}],"sentiment":"positive","sentiment_score":0.4069018866866827,"channel":0,"num_words":21,"start":992.57,"end":998.625},{"sentences":[{"text":"Yeah.","start":999.08496,"end":999.40497,"sentiment":"positive","sentiment_score":0.388651967048645},{"text":"About 30,000, I 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and solicitor and real estate agent are all paid for.","start":1004.765,"end":1022.715,"sentiment":"neutral","sentiment_score":0.13557245749980212},{"text":"1.3 left.","start":1023.67505,"end":1025.295,"sentiment":"neutral","sentiment_score":0.01706581236794591}],"sentiment":"neutral","sentiment_score":0.1325394854512672,"channel":0,"num_words":43,"start":1004.28503,"end":1025.295},{"sentences":[{"text":"Yeah.","start":1026.5851,"end":1027.0851,"sentiment":"neutral","sentiment_score":0.07283297181129456}],"sentiment":"neutral","sentiment_score":0.07283297181129456,"channel":1,"num_words":1,"start":1026.5851,"end":1027.0851},{"sentences":[{"text":"We'd be putting in sort of, what, about $900,000 into","start":1028.235,"end":1033.295,"sentiment":"neutral","sentiment_score":0.07153696604073048}],"sentiment":"neutral","sentiment_score":0.07153696604073048,"channel":0,"num_words":10,"start":1028.235,"end":1033.295},{"sentences":[{"text":"I think we'd probably be putting a little bit more 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buying a tenant in common with you and your husband having a larger share would make","start":1089.145,"end":1093.7,"sentiment":"neutral","sentiment_score":0.15498634997536154}],"sentiment":"neutral","sentiment_score":0.15355753070778316,"channel":0,"num_words":18,"start":1088.585,"end":1093.7},{"sentences":[{"text":"Oh, would it?","start":1095.5751,"end":1096.475,"sentiment":"neutral","sentiment_score":0.0881992553671201},{"text":"Okay.","start":1096.935,"end":1097.435,"sentiment":"neutral","sentiment_score":0.12198830395936966},{"text":"And I 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probably more towards the way you wanna go.","start":1119.435,"end":1138.23,"sentiment":"neutral","sentiment_score":0.2667071462298433}],"sentiment":"neutral","sentiment_score":0.2667071462298433,"channel":0,"num_words":48,"start":1119.435,"end":1138.23},{"sentences":[{"text":"Okay.","start":1138.91,"end":1139.41,"sentiment":"neutral","sentiment_score":0.30373525619506836}],"sentiment":"neutral","sentiment_score":0.30373525619506836,"channel":1,"num_words":1,"start":1138.91,"end":1139.41},{"sentences":[{"text":"And all it's just gonna mean is that is that your daughter is actually gonna be able to get some of the estate.","start":1141.095,"end":1146.955,"sentiment":"positive","sentiment_score":0.3969319649040699},{"text":"Because realistically speaking, like, if I actually do the math out on this So let's just go 1,300,000 by the time you pay out your mortgage.","start":1147.8949,"end":1157.7899,"sentiment":"neutral","sentiment_score":0.027831817404008828},{"text":"Let's just go $8.50 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that.","start":1776.62,"end":1783.385,"sentiment":"neutral","sentiment_score":0.03145667654462159}],"sentiment":"neutral","sentiment_score":0.1294055576930105,"channel":1,"num_words":33,"start":1768.38,"end":1783.385},{"sentences":[{"text":"So,","start":1783.605,"end":1784.105,"sentiment":"neutral","sentiment_score":-0.021883191540837288}],"sentiment":"neutral","sentiment_score":-0.021883191540837288,"channel":1,"num_words":1,"start":1783.605,"end":1784.105},{"sentences":[{"text":"No.","start":1783.775,"end":1784.275,"sentiment":"neutral","sentiment_score":-0.07539410889148712},{"text":"Absolutely.","start":1784.415,"end":1784.915,"sentiment":"neutral","sentiment_score":0.025300748646259308}],"sentiment":"neutral","sentiment_score":-0.025046680122613907,"channel":0,"num_words":2,"start":1783.775,"end":1784.915},{"sentences":[{"text":"yeah, thank you so much for that.","start":1784.965,"end":1787.525,"sentiment":"neutral","sentiment_score":0.17060984830771173},{"text":"It's","start":1787.525,"end":1787.9249,"sentiment":"neutral","sentiment_score":-0.0288386270403862}],"sentiment":"neutral","sentiment_score":0.1456787888891995,"channel":1,"num_words":8,"start":1784.965,"end":1787.9249},{"sentences":[{"text":"No.","start":1787.855,"end":1788.015,"sentiment":"neutral","sentiment_score":-0.1048463135957718}],"sentiment":"neutral","sentiment_score":-0.1048463135957718,"channel":0,"num_words":1,"start":1787.855,"end":1788.015},{"sentences":[{"text":"really","start":1787.9249,"end":1788.405,"sentiment":"neutral","sentiment_score":-0.05812273919582367}],"sentiment":"neutral","sentiment_score":-0.05812273919582367,"channel":1,"num_words":1,"start":1787.9249,"end":1788.405},{"sentences":[{"text":"It's okay.","start":1788.015,"end":1788.755,"sentiment":"neutral","sentiment_score":-0.07068135216832161}],"sentiment":"neutral","sentiment_score":-0.07068135216832161,"channel":0,"num_words":2,"start":1788.015,"end":1788.755},{"sentences":[{"text":"appreciated.","start":1788.405,"end":1788.905,"sentiment":"neutral","sentiment_score":0.16734132170677185}],"sentiment":"neutral","sentiment_score":0.16734132170677185,"channel":1,"num_words":1,"start":1788.405,"end":1788.905},{"sentences":[{"text":"No.","start":1789.615,"end":1790.095,"sentiment":"neutral","sentiment_score":0.06175558269023895}],"sentiment":"neutral","sentiment_score":0.06175558269023895,"channel":0,"num_words":1,"start":1789.615,"end":1790.095},{"sentences":[{"text":"And","start":1789.9249,"end":1790.4249,"sentiment":"neutral","sentiment_score":0.15785683691501615}],"sentiment":"neutral","sentiment_score":0.15785683691501615,"channel":1,"num_words":1,"start":1789.9249,"end":1790.4249},{"sentences":[{"text":"My pleasure.","start":1790.095,"end":1790.835,"sentiment":"neutral","sentiment_score":0.2795276939868927},{"text":"Once you sit down and have a chat with Matt and well, Matthew, and and kind of have a bit more of an open conversation now that you have a bit more information.","start":1791.215,"end":1800.4099,"sentiment":"neutral","sentiment_score":0.19359467607555966},{"text":"If","start":1801.11,"end":1801.35,"sentiment":"neutral","sentiment_score":0.08761696517467499}],"sentiment":"neutral","sentiment_score":0.19542490732338694,"channel":0,"num_words":36,"start":1790.095,"end":1801.35},{"sentences":[{"text":"Yes.","start":1801.25,"end":1801.75,"sentiment":"neutral","sentiment_score":0.08629411458969116}],"sentiment":"neutral","sentiment_score":0.08629411458969116,"channel":1,"num_words":1,"start":1801.25,"end":1801.75},{"sentences":[{"text":"you Matthew has my email address, so feel free to flick an email through.","start":1801.35,"end":1804.87,"sentiment":"neutral","sentiment_score":0.09161414418901716},{"text":"If Matthew has any more questions, feel free to do so.","start":1804.87,"end":1808.175,"sentiment":"neutral","sentiment_score":0.08029351078651169},{"text":"Or if you guys just wanna come into the office, yeah, just send me an email and we can organize a time, and we can sit down whether it's yourself and Matthew or whether it's all four of us, either either way.","start":1809.055,"end":1819.9551,"sentiment":"neutral","sentiment_score":0.10409320908642951}],"sentiment":"neutral","sentiment_score":0.09757823013325236,"channel":0,"num_words":67,"start":1801.35,"end":1819.9551},{"sentences":[{"text":"Mhmm.","start":1819.605,"end":1819.98,"sentiment":"neutral","sentiment_score":0.0635773167014122},{"text":"Yep.","start":1820.46,"end":1820.96,"sentiment":"neutral","sentiment_score":0.1050347238779068}],"sentiment":"neutral","sentiment_score":0.0843060202896595,"channel":1,"num_words":2,"start":1819.605,"end":1820.96},{"sentences":[{"text":"We're five of us, I guess.","start":1820.495,"end":1821.875,"sentiment":"neutral","sentiment_score":0.14803725853562355},{"text":"Either either way, we can do that.","start":1822.415,"end":1823.68,"sentiment":"neutral","sentiment_score":0.21747599755014693},{"text":"We can have a nice coffee and go from there.","start":1823.68,"end":1826.8201,"sentiment":"positive","sentiment_score":0.5027508676052094}],"sentiment":"neutral","sentiment_score":0.3233940960920375,"channel":0,"num_words":23,"start":1820.495,"end":1826.8201},{"sentences":[{"text":"Perfect.","start":1827.4199,"end":1827.9199,"sentiment":"positive","sentiment_score":0.7458994388580322},{"text":"Alright.","start":1828.46,"end":1828.96,"sentiment":"positive","sentiment_score":0.6584991216659546},{"text":"Thank you very much.","start":1829.4199,"end":1830.7999,"sentiment":"positive","sentiment_score":0.8601586222648621},{"text":"That's really enlightening and and good to get some professional advice as well.","start":1831.02,"end":1835.955,"sentiment":"positive","sentiment_score":0.8051250072625967}],"sentiment":"positive","sentiment_score":0.8058767444209048,"channel":1,"num_words":19,"start":1827.4199,"end":1835.955},{"sentences":[{"text":"No.","start":1836.557,"end":1836.9569,"sentiment":"neutral","sentiment_score":0.16943565011024475},{"text":"Absolutely.","start":1836.9569,"end":1837.4369,"sentiment":"positive","sentiment_score":0.5236204862594604},{"text":"My pleasure.","start":1837.4369,"end":1838.177,"sentiment":"positive","sentiment_score":0.6273220479488373}],"sentiment":"positive","sentiment_score":0.48692505806684494,"channel":0,"num_words":4,"start":1836.557,"end":1838.177},{"sentences":[{"text":"Alright.","start":1838.755,"end":1839.255,"sentiment":"positive","sentiment_score":0.5597593784332275},{"text":"Thank you.","start":1839.3949,"end":1839.955,"sentiment":"positive","sentiment_score":0.7796405255794525},{"text":"You have a lovely evening.","start":1839.955,"end":1841.495,"sentiment":"positive","sentiment_score":0.7859767079353333}],"sentiment":"positive","sentiment_score":0.7561154961585999,"channel":1,"num_words":8,"start":1838.755,"end":1841.495},{"sentences":[{"text":"You too, Linda.","start":1841.917,"end":1842.897,"sentiment":"positive","sentiment_score":0.594327986240387},{"text":"Bye.","start":1843.277,"end":1843.777,"sentiment":"positive","sentiment_score":0.3718889653682709}],"sentiment":"positive","sentiment_score":0.5387182310223579,"channel":0,"num_words":4,"start":1841.917,"end":1843.777},{"sentences":[{"text":"Thank you.","start":1843.315,"end":1844.135,"sentiment":"positive","sentiment_score":0.6491684019565582},{"text":"Bye bye.","start":1844.195,"end":1844.9349,"sentiment":"neutral","sentiment_score":0.06182508915662766}],"sentiment":"positive","sentiment_score":0.35549674555659294,"channel":1,"num_words":4,"start":1843.315,"end":1844.9349}]},"summary":{"result":"success","short":"The speakers discuss buying properties and considering the buying process, including joint tenants and transferring ownership. They emphasize the importance of planning for longevity and ongoing income planning, as well as the importance of considering the purchase price and transferring ownership. They also discuss retirement plans, income, and the possibility of buying an old house. The speakers suggest investigating investment and estate planning options and invite the group to a coffee session."},"intents":{"segments":[{"text":"So Linda owns a 100%, Matthew owns a 100%, Matthew's wife owns a 100%, and Linda's husband owns a 100%. I'm sorry. I don't know everyone else's name. So all four of you own a 100% of the property. So it means that if anyone was to pass away, irrespective of who that was, the other three parties continue to own a 100%. Yep.","start_word":1215,"end_word":1278,"intents":[{"intent":"Explain property ownership and ownership","confidence_score":0.007187799},{"intent":"Describe property ownership and ownership","confidence_score":0.035368126}]},{"text":"What do you want to happen with that million dollars upon your upon you dying? Do you want it all to go to Matthew, or do we want some of the funds to go to your daughter as well? Yeah.","start_word":1441,"end_word":1480,"intents":[{"intent":"Discuss estate estate transfer and inheritance","confidence_score":0.0000044129015}]},{"text":"And we could talk about I mean, essentially, from what you're saying, this money is gonna be yours, so it's it's planning for your longevity. But we could talk about what to do with that money, how to best tax effectively, make sure that it's gonna be there, and talk about how we make sure that the income you receive from any of your assets moving forward is going to work for you.","start_word":1934,"end_word":2006,"intents":[{"intent":"Plan for longevity","confidence_score":0.11845456},{"intent":"Discuss tax and income planning","confidence_score":0.031391542}]},{"text":"it was more to do with our retirement, which I haven't done as yet.","start_word":2091,"end_word":2104,"intents":[{"intent":"Discuss retirement plan","confidence_score":0.007832494}]},{"text":"We'd be putting in sort of, what, about $900,000 into I think we'd probably be putting a little bit more than Matt because his mortgage is higher. Yep.","start_word":2523,"end_word":2550,"intents":[{"intent":"Invest in property","confidence_score":0.0006254209}]},{"text":"Because realistically speaking, like, if I actually do the math out on this So let's just go 1,300,000 by the time you pay out your mortgage. Let's just go $8.50 for him, which will leave him with 500,000. By the time he pays for all the sales, it'll probably leave him with about 450,000 in cash. Why didn't I round the numbers to make it easy for myself? Yeah.","start_word":2783,"end_word":2851,"intents":[{"intent":"Calculate debt amount","confidence_score":0.02565923}]},{"text":"And then a a a bit of a conversation with Matthew, which is why like, if you guys do wanna go into, like, advice, which I can definitely do, we can talk about longevity of income, where to put the money when we sell the house, how to, you know, nestle it away.","start_word":3474,"end_word":3526,"intents":[{"intent":"Discuss lifestyle","confidence_score":0.0003658399}]},{"text":"Super funds are a a great Yeah. tax effective structure.","start_word":3540,"end_word":3549,"intents":[{"intent":"Discuss super fund","confidence_score":0.043567654}]},{"text":"That that might be a good thing to look at. So so I am looking at, if we go for the acreage, possibly retiring, Yep. and I just didn't want the surplus money that we had to be dwindled away. Yeah.","start_word":3683,"end_word":3723,"intents":[{"intent":"Discuss retirement plans","confidence_score":0.3035307},{"intent":"Discuss retirement options","confidence_score":0.14314337},{"intent":"Discuss retirement plans","confidence_score":0.031858385}]},{"text":"I thought I'd much rather get a full pension in Australia, and then I don't have the hassle of all the exchange rates, etcetera. Fair enough.","start_word":3873,"end_word":3898,"intents":[{"intent":"Discuss options","confidence_score":0.033272065}]},{"text":"So we can sit down. We can talk more to that degree, but it's gonna come down to probably the four of you sitting down, having a conversation about, like, ownership shares and how much each of you are coming to the party with Yeah.","start_word":3902,"end_word":3946,"intents":[{"intent":"Negotiate transaction amount","confidence_score":0.000011036678}]},{"text":"We can talk more to that degree, but it's gonna come down to probably the four of you sitting down, having a conversation about, like, ownership shares and how much each of you are coming to the party with Yeah.","start_word":3907,"end_word":3946,"intents":[{"intent":"Discuss ownership shares","confidence_score":0.4377382}]},{"text":"Can I ask you, when we come in, what would the fees be? Yeah.","start_word":4109,"end_word":4122,"intents":[{"intent":"Talk about fee","confidence_score":0.00006712104}]},{"text":"Something to this degree would be $2,200, where we would be looking at, you know, cash flow structures and stuff like that. Yeah.","start_word":4184,"end_word":4206,"intents":[{"intent":"Discuss cash flow structures","confidence_score":0.17716177}]},{"text":"And that would be payable before the advice is delivered just because of what the scope of the advice is.","start_word":4206,"end_word":4225,"intents":[{"intent":"Understand advice scope","confidence_score":0.06650269}]},{"text":"We I can look at investigating, like, investment options. I can look at, like, estate planning options. So if you wanna specifically put money away for estate planning purposes, if you wanted to look at tax effective assets or if we, you know, we want to look at which is probably realistically the avenue we're gonna look at is longevity of cash flow. Yeah.","start_word":4326,"end_word":4389,"intents":[{"intent":"Discuss investment options","confidence_score":0.25705293},{"intent":"Discuss options","confidence_score":0.028146576}]},{"text":"a certain time. So We plan for as yeah. long as we can, but yes. Yeah.","start_word":4424,"end_word":4439,"intents":[{"intent":"Plan for longevity","confidence_score":0.00024275508}]},{"text":"I think you've you've really answered a lot of my questions. I'm sure Matt would have probably had more, but, yeah, we'll have to come back to that. So, No. Absolutely.","start_word":4444,"end_word":4474,"intents":[{"intent":"Ask questions","confidence_score":0.0108069}]}]},"sentiments":{"segments":[{"text":"Hello. Linda speaking. Hi, Linda. My name is Larissa from Oakview Financial. How are you going?","start_word":0,"end_word":15,"sentiment":"neutral","sentiment_score":0.1378394067287445},{"text":"I'm well. Thank you. How are you today? Really good. Thank you.","start_word":16,"end_word":27,"sentiment":"positive","sentiment_score":0.4797217845916748},{"text":"Now Matthew, who I believe is your son, may have thrown you under the bus and told me to give you a call today because he would be in transit from work to home to have a bit Yes. of a chat.","start_word":28,"end_word":69,"sentiment":"neutral","sentiment_score":-0.05099090933799744},{"text":"Excellent.","start_word":70,"end_word":70,"sentiment":"positive","sentiment_score":0.410681426525116},{"text":"Okay. So to give you an outline of what we want to do, Perfect. my husband and I are seniors, but I still work. Yep. We do have collateral in the home, and we're looking at two scenarios. I think ours is worth about 1.4, 1.5. So we are looking at downsizing. It's too big for Mhmm. us. So we've got two scenarios that we are thinking of. One being that we buy a property, Hervey Bay, which is a lot cheaper. Our daughter lives there. So we would then have a surplus. I think it's about 400,000. Our other scenario would be to amalgamate with Matthew and buy an acreage, Bloemkin Village Way, etcetera. We would still hope to have a bit of surplus from that. And with all the rules and regulations, we're just wondering where the money would be best placed. And, also, if we go in with Matt, then are we going to be Yeah. penalized in any way? I know for seniors, things are changing a lot tax wise. Cool. Absolutely. Alright. So there's a couple of things at play. One, by the sounds of it, your home is a primary residence. Can I ask, has it always been your home? Have you ever invested like, had it as an investment property, anything like that? No. It's always been Nope. on home. Cool. So it is capital gains exempt, which means that you won't pay any tax, like capital gains tax, upon the sale of that property. You will just be able to, obviously, with any sales commissions and transfer obligations, solicitous fees, stuff like that do obviously come out.","start_word":71,"end_word":345,"sentiment":"neutral","sentiment_score":0.00644255755469203},{"text":"But, essentially speaking, whatever you sell it for less those fees is what you're gonna end up with. So there's no tax implications that you're going to see from that. So that's great. Okay.","start_word":346,"end_word":379,"sentiment":"positive","sentiment_score":0.4487441480159759},{"text":"Now if you were to downsize and buy another house I mean, irrespective, even if you were to go in with Matthew and his wife and and and and move into another house, you could still claim downsizing. And there's still things that you can do with that money if there is money left over. It just depends on, I guess, when when it comes down to it, what you sell the house for, what you're gonna have left over after buying the new house. Because if you buy the house in Harvey Bay, as you said, you'll have about 400,000 left over. Do Yep. you know what what the scenario is if you buy out at Logan Village? I'm thinking about 200. Okay. So it'll be a little bit less in our pocket. Yep. Okay. Yep. So I guess excluding and ignoring Matthew as a whole scenario, which which avenue works for you? Which one do you, I guess, socially see as more beneficial? Not I don't financially, know. but socially. You you haven't really considered the that side I of things? would Or I would say going in with Matthew. okay. Because you're staying local. You still have access to the doctors and anything else that you guys have around Exactly. you. Yes. Yep. Can I ask where are you guys currently? Arundel. Okay. Cool. Cool. Cool. So it's not too too far away from where you're currently at. Okay. So in either scenario, there are a few things that we need to consider. No. Mhmm. If you I'll run through a full scenario, like, one of them, and then I'll flip to the other rather than hopping back and forwards. The sale of the house, that's obviously who you get involved is obviously a real estate agent if you wanna go through a real estate agent or you can do it personally. Real estate agents in Arundel, you're looking at around 2.7% for a commission fee. So on your 1.4 mil, it kinda gets up there into the, you know, $50 type of category, Yeah. but they take care of everything on that front. Once it's sold, there's a few avenues that you have available. Within ninety days of you selling the property, depending on what you wanna do with the money, and that's where a financial adviser does and can step in depending on the goals that you want, which in this instance would sort of be my role, is planning where that that money can go to give you longevity and to help with Centrelink benefits and to help with, you know, ongoing income planning. There's a few different avenues that you can take to quarantine and protect that money. Outside of that, one of the probably more not more important, but most important things is depending on which avenue you take. So if we go up to Hervey Bay and we we buy a house just yourself and your husband, Mhmm. that's obviously gonna be your asset, your asset alone. If something happens to either one of you, the other one will obviously own that asset, vice versa. Upon both of you passing, that asset would form part of your estate, and your will is going to dictate where the asset goes. Mhmm. If either of you need aged care or any kind of care arrangements in the future, from a planning perspective, it you know, the house could be used as collateral. It could be sold to Mhmm. fund you moving into an aged care facility. If you were to go in on the other side Mhmm. with Matthew, essentially, there are four owners of a a property. How you purchase a property is important because by the sounds that you have more than one child. Am I correct? You have a daughter? Yes. Yes. I've got Yep. two. Yeah. Two daughters. Cool. Cool. Cool. So three kids total. No. No. Two. Oh, two kids, Matthew In and total. your daughter. Cool. Yes. So if you were to buy the house, there's two ways that you can buy a property, either tenants in common or joint tenants. And it's all come all comes down to how you do the paperwork when you purchase it with your solicitor Mhmm. or your conveyancer. And one of it's it's it's a really important thing that you need to consider when you're buying a house with multiple people in this situation. It was just you and your husband. You know, it's it's still important. It becomes more important the older we get. It is still an important thing because we wanna make sure that, you know, the house goes to the people we want the house to go to. Yep. Now if when you if you when you buy the house so I always mix these up. I don't know why. They're the same thing, but they're not the same thing. So joint tenants are where you both equally own the property. So Linda owns a 100%, Matthew owns a 100%, Matthew's wife owns a 100%, and Linda's husband owns a 100%. I'm sorry. I don't know everyone else's name. So all four of you own a 100% of the property. So it means that if anyone was to pass away, irrespective of who that was, the other three parties continue to own a 100%. Yep. Okay? Yep. As tenants in common, what happen is you all have a defined share of the property. So I I e, you could earn 25%, your husband owns 25%, Matthew earns 25%, and Matthew's wife owns 25%. So it means that if anyone was to pass away, the 25% ownership that belonged to that individual would actually form part of their estate. So for example, if you or your husband were to pass away, that share in that house would go through to your estate and could be and from your estate could be decided on you know, your will would govern what happens. So it could mean that your daughter actually ends up getting a share of that house as well, not just it going fully through to your son. Yeah. Because that that's a consideration. It's because you're you're gonna put so much of this money into you're basically gonna be putting over a million dollars into this house. What do you want to happen with that million dollars upon your upon you dying? Do you want it all to go to Matthew, or do we want some of the funds to go to your daughter as well? Yeah.","start_word":380,"end_word":1480,"sentiment":"neutral","sentiment_score":0.06871343458783588},{"text":"And and that is also a little bit of a a sticky situation.","start_word":1481,"end_word":1493,"sentiment":"negative","sentiment_score":-0.4600993990898132},{"text":"Yeah. So, you know, obviously, we would like them to have 50% each, but by the same token, I don't want him to be forced to sell a property that he wants to stay on. Yep. And he wouldn't necessarily have to be forced to sell it. He would possibly be forced to take out a loan to pay her out, Yep. Okay. Okay. and that's kind of where would sit, is that your ownership so yours and your husband's ownership of that property would be would would basically be hit the estate, and the estate or the the will could stipulate that, you Okay. know, Matthew Yeah. doesn't have to move out of the house. You have survivorship rights written into it. That that whole portion of buying the house if you bought it shared and how you and your husband would write your wills, and in turn, obviously, Matthew and his wife would need to probably do something similar.","start_word":1494,"end_word":1654,"sentiment":"neutral","sentiment_score":-0.04375367984175682},{"text":"If anything happened to them while they're young, things happen, unfortunately, is that you would sit down with a with an estate lawyer, and you would go through and be like, look. These are our wishes.","start_word":1655,"end_word":1690,"sentiment":"negative","sentiment_score":-0.3613572716712952},{"text":"This is what we want to happen. You know, if anything happens to to to yourself, you want, basically, maybe your house you you could dictate that your estate transfers to your husband and your husband's transfers to you. So, basically, your percentage of the asset transfers to each other. So that way, while both like, while one of you were alive and living in that house, the money doesn't go to the estate. And then as a second sort of bracket is that if me like, if if the opposite person is no longer alive, then it goes to the estate, and then your daughter would have like, your daughter and your son would have to, you know, mortgage buyout daughter. Yeah. Okay. So that that kind of planning in buying a a shared house to this degree would be something that you would definitely need to sit down with a lawyer and talk about to make sure that it was nice and smooth in the estate planning side of things. But in terms of, I guess, longevity of the money, what to do with the money that's left over from the sale, that comes from someone like myself where I could sit down and and you're only at Arundel, so I could you you could come into the office and we could we could meet with both you and your husband. I could meet with, you know, all four of you. And we could talk about I mean, essentially, from what you're saying, this money is gonna be yours, so it's it's planning for your longevity. But we could talk about what to do with that money, how to best tax effectively, make sure that it's gonna be there, and talk about how we make sure that the income you receive from any of your assets moving forward is going to work for you. So how is your lifestyle change going to affect CenturyLink? Is it going to affect CenturyLink? You know, with the lump sum of money that you receive, what do we need to do from there? Yeah. Yeah. So oh, I mean, we can start the conversation now. That's absolutely okay. I know Matthew kind of dumped it on you. So no. But Yeah. I think from yeah. his It's point of view, apart from the fact that he is working in Brisbane today, Yeah. it was more to do with our retirement, which I haven't done as yet. So May I ask how old are you and your husband? my husband's 76. He's retired, and Yep. I'm 70 Okay.","start_word":1691,"end_word":2125,"sentiment":"neutral","sentiment_score":0.07224101614335487},{"text":"Perfect.","start_word":2126,"end_word":2126,"sentiment":"positive","sentiment_score":0.3594629168510437},{"text":"And you're still working part time at the moment? one. Four days a week. So, yeah, part Pretty time, pretty basically. full. Yep. Yeah. Yeah.","start_word":2127,"end_word":2151,"sentiment":"neutral","sentiment_score":0.06736326307058334},{"text":"Pretty full time. Cool.","start_word":2152,"end_word":2155,"sentiment":"positive","sentiment_score":0.42334216833114624},{"text":"Yeah. And sources of income for you guys as a household at the moment would be, obviously, your employment income, but your husband is receiving, like, Centrelink or income from Super Investments. No. No super. Centrelink, he just gets a pittance, really, because I'm working, but he does get a UK pension. Yep. Yep. So, roughly, together, it's about about $1,400, and it really depends on the exchange rate. That's Yep. on a weekly basis. Weekly. Okay. And then your income do you know what your income is per pay cycle? I did have to pull this down. So income. Right. Current weekly income with both of them is 1,346, I think, for both of us $1.03. for the week. That is subject to change. It depends Yes. what exchange rates I get on the UK pension. Yep. So do you receive a UK pension as well? No. I just No. do his. Okay. Cool. I'm the So financial person. yeah. Absolutely. So $13.46, and that is what he receives from Centrelink, what he receives from UK pension, and your income per week. Yes. Yep.","start_word":2156,"end_word":2340,"sentiment":"neutral","sentiment_score":0.0014791085850447416},{"text":"Cool. Cool. Cool. Yeah. So 1,400 was a pretty good ballpark. Alright.","start_word":2341,"end_word":2352,"sentiment":"positive","sentiment_score":0.4515067636966706},{"text":"And that's currently what you're comfortable living on? Yeah. I Yep. mean, if we go in with Matt, then, obviously, it's gonna come down because there won't be mortgages. At the moment, I still have a little bit of a mortgage, Okay. but that would be paid out with the offset, K. basically. So what so value of a home is, as you said, something somewhere sitting around the 1.4 ish. Yeah. And then what's the loan that we have on the property? The loan at the moment is 227,000, and we've got 205,000 in an offset. Yep. Okay.","start_word":2353,"end_word":2451,"sentiment":"neutral","sentiment_score":0.03896017745137215},{"text":"So the offset plus a small portion from the sale of the property would clear that out quite comfortably. Yeah. About 30,000, I think. Very comfortably. Yeah.","start_word":2452,"end_word":2478,"sentiment":"positive","sentiment_score":0.4496691524982453},{"text":"Okay. And then from that, you we've got basically, the remainder of the money even if we round it to about 1.3 by the time all the fees and transfer duties and solicitor and real estate agent are all paid for. 1.3 left. Yeah. We'd be putting in sort of, what, about $900,000 into I think we'd probably be putting a little bit more than Matt because his mortgage is higher. Yep. And the property, I think, at the moment sits about $815,900,000 in a sale. His does? Yep. Okay. So $8.50 to 900 and then roughly ballparking Yeah. his mortgage, if you could. 350. Okay. So 350,000 left. So so then you guys would and then do you know what the property amount that you're looking to, I guess, buy out there? We're looking round about $1.05. Okay. Okay. So if we were to go and do that, you guys would have a larger portion share than Matthew Yep. would. Yep. Yep. So buying a tenant in common with you and your husband having a larger share would make Oh, would it? Okay. And I did sense. slightly look into that and looked at the joint tenants and the oh gosh. There was another one. Mhmm. Tenants in common. Yes. Yeah. Yeah. So I looked at both of them. Yep. I wasn't quite sure which way to go on that. Sitting down and talking with your solicitor is definitely a way to go, but realistically speaking, I guess, just based on vibes of this conversation alone, making sure that your daughter gets some of the assets, tenants in common is probably more towards the way you wanna go. Okay.","start_word":2479,"end_word":2758,"sentiment":"neutral","sentiment_score":0.09796136617660522},{"text":"And all it's just gonna mean is that is that your daughter is actually gonna be able to get some of the estate.","start_word":2759,"end_word":2781,"sentiment":"positive","sentiment_score":0.4105923175811768},{"text":"Because realistically speaking, like, if I actually do the math out on this So let's just go 1,300,000 by the time you pay out your mortgage. Let's just go $8.50 for him, which will leave him with 500,000. By the time he pays for all the sales, it'll probably leave him with about 450,000 in cash. Why didn't I round the numbers to make it easy for myself? Yeah.","start_word":2782,"end_word":2850,"sentiment":"neutral","sentiment_score":0.0401039719581604},{"text":"Ballpark trigger is always good. Right. That's okay. Cool.","start_word":2851,"end_word":2859,"sentiment":"positive","sentiment_score":0.45073220133781433},{"text":"So, realistically speaking, we'll have about 1.75 to play with to buy the property. So Yeah. we'll still have a little bit left over. It just depends on how much each of you end up putting in. So if we kind of put it to the degree where we each have some money left over, then you guys are gonna end up with more than, like, more than you guys will end up with basically more than two thirds of the property ownership. Yeah. Okay. Like, if I just not consider four individual people and just consider two couples, it'll basically I guess, it it can come down to you'll have a third, your husband will have a third, and then between Matthew and his wife, they'll kind of have a third ish Yeah. Okay. ish. It's you guys will have more than two thirds, but if we're just ballparking it. And you can definitely operate it that way because it's just it's percentage based of who owns what. And then what will happen is, realistically, you like, you could have that upon, like, upon one of you and your husband passing away, it goes to the other person. Once both of you have passed away, half of the ownership of the property goes to Matthew, and the other half of the ownership goes to your daughter. And then solicitor will have to kind of talk about how that can work. Because, theoretically, yes, if Matthew cannot service a loan at that time to buy your daughter out, it could mean that he has to sell the house to buy Yeah. her out.","start_word":2860,"end_word":3132,"sentiment":"neutral","sentiment_score":-0.03684360906481743},{"text":"And It that's could what it I didn't can, want. yeah, it can turn narcissistic, and it it can turn really catty if anything happens.","start_word":3133,"end_word":3157,"sentiment":"negative","sentiment_score":-0.5662394881248474},{"text":"But in Yeah. saying that, there will be decent equity in the house. Like, Yeah. we're we're not we're not gonna have, like, we're not gonna have a loan on a property like that. Yeah. No. We're The not. other the other option is is that Matthew could look at taking out a loan. So on the $1,500,000, like, purchase, you you both go in evenly. It means that Okay. in the future, like because that's always that's always an option is that you guys front the cash equity. It leaves you with more cash on the on the on the back end, and then Matthew could could go in with what he has as a cash equity and then get a mortgage. Yeah. Okay. So doing it that way, the joint tenants I still wouldn't joint tenants it because that means it goes completely to Matthew upon your death. then. Alright. Okay. I would I would still, like realistically and honestly, if I'm if I'm just if I'm gonna be brutally honest, I would go with tenants in common, full stop, and a story. It's just dependent Yeah. on how much you each actually hold as an ownership share is what it's gonna come down to. Because Right. if you Okay. go with joint tenants, Matthew gets the property, your daughter gets nothing. Yeah. Okay.","start_word":3158,"end_word":3383,"sentiment":"neutral","sentiment_score":0.02262232080101967},{"text":"And I don't want that.","start_word":3384,"end_word":3388,"sentiment":"negative","sentiment_score":-0.45550650358200073},{"text":"Yeah. Unless there's unless there's something else that you guys own that you that is of of equivalent share that you're happy for her to have, then by all means. But otherwise, your daughter gets nothing. Yeah. No.","start_word":3389,"end_word":3426,"sentiment":"neutral","sentiment_score":-0.12289956957101822},{"text":"There is nothing house. Most of the equity is in the house. And that would that that's a little bit of favoritism.","start_word":3427,"end_word":3448,"sentiment":"negative","sentiment_score":-0.46498358249664307},{"text":"I have three kids, so I get it. So yeah. So it just it just depended on how you guys actually purchased the property. And then a a a bit of a conversation with Matthew, which is why like, if you guys do wanna go into, like, advice, which I can definitely do, we can talk about longevity of income, where to put the money when we sell the house, how to, you know, nestle it away. You obviously have a job here in Australia. So you have a super fund.","start_word":3449,"end_word":3539,"sentiment":"neutral","sentiment_score":0.10892543777987196},{"text":"Super funds are a a great Yeah.","start_word":3540,"end_word":3546,"sentiment":"positive","sentiment_score":0.427532970905304},{"text":"tax effective structure. So it could be a matter of, like, squirreling the money away there. You you know, it can be done tax effectively. It can be done just to, you know, put the money away so that way it's sort of sheltered a little bit. It just it all depends on depends on realistically what you wanna get out of it. But if I if we have a conversation with all four of us or even if it's just yourself and Matthew and myself to talk a little bit about, I guess, both sides of the of the house purchase and what Matthew is willing to do, what you're willing to do, because it it might be it might work out well for you if Matthew just goes and gets another loan. Yeah. Yeah. That that might be a good thing to look at. So so I am looking at, if we go for the acreage, possibly retiring, Yep. and I just didn't want the surplus money that we had to be dwindled away. Yeah. You wanna you And wanna then have as it you say, I've got super as well, which isn't an awful lot. I lost an awful lot a while back, so it'd Yep. only be about 50,000. Okay. And I'm just gonna so, like, I there is definitely an accent there for you. You are from The UK as well. Are you not? I am. Yeah. Cool. But do you have access to any form of UK pension in the future? I haven't even gone down that avenue, to be honest. I'd much prefer to get my Australian pension. Okay. Yep.","start_word":3547,"end_word":3823,"sentiment":"neutral","sentiment_score":0.06557441502809525},{"text":"Absolutely, sir. Cool.","start_word":3824,"end_word":3826,"sentiment":"positive","sentiment_score":0.4024559259414673},{"text":"Yeah. And it wouldn't have been a lot because I was on a married woman's stamp, as they called it in the day, Yep. which meant you didn't have to pay in land revenue, which means Yep. you get a very, very reduced pension. So Yep. I thought I'd much rather get a full pension in Australia, and then I don't have the hassle of all the exchange rates, etcetera. Fair enough. No. Okay. Cool. So we can sit down. We can talk more to that degree, but it's gonna come down to probably the four of you sitting down, having a conversation about, like, ownership shares and how much each of you are coming to the party with Yeah. to go and buy that property. Mhmm. And you guys just being forthcoming with the fact that, yeah, no. Like, after we pass away, we wanna make sure that your sister is going to end up with some of our estate. Our estate is this house. You're gonna have to buy her out of this house. We wanna buy it as tenants in common. The choice now is do does Matthew and his wife get a loan? So that way they can have equal or more than equal shares. Because theoretically, if they got a loan for Yeah. a decent amount, they could have a higher share of the property. Yes. And that would be a better scenario. It'll leave you guys with more cash, Yeah. so on and so Okay. forth. Yeah. Okay.","start_word":3827,"end_word":4080,"sentiment":"neutral","sentiment_score":0.11400705584742891},{"text":"That's good.","start_word":4081,"end_word":4082,"sentiment":"positive","sentiment_score":0.510205090045929},{"text":"I really do think we we need to check both avenues, see which way he's comfortable with, Yep. and then maybe come in and see you. Can I ask you, when we come in, what would the fees be? Yeah. So our initial consultation is completely for free. We don't charge a fee. So just for us to sit down and have a conversation, sometimes I feel like I'm more of a mediator than anything else From there, if we implement any of the advice, we do charge a fee. So it depends on where the advice is aimed at. Something to this degree would be $2,200, where we would be looking at, you know, cash flow structures and stuff like that. Yeah. And that would be payable before the advice is delivered just because of what the scope of the advice is. And that could just be invoiced as a as a cash payment. If you wanted ongoing advice, so if we, you know, say, looked at invest, like, changing superannuation companies, investing super, you know, tax reduction, cash flow ongoing, stuff like that, then we can you know, we'd talk about what that looks like when the advice was delivered. But that's all just kinda dependent on on that sort of time frame or that, sorry, scope of advice. Okay. And would you be able to give the advice on if we have surplus money, where to put that? Yeah. Absolutely. We I can look at investigating, like, investment options. I can look at, like, estate planning options. So if you wanna specifically put money away for estate planning purposes, if you wanted to look at tax effective assets or if we, you know, we want to look at which is probably realistically the avenue we're gonna look at is longevity of cash flow. Yeah. Yeah. Yep. I don't wanna get to a an old age and then have nothing left. Have nothing. And we never know how long we've got, so I can't forward plan Yeah. on No. a certain time. So We plan for as yeah. long as we can, but yes. Yeah. Yeah.","start_word":4083,"end_word":4440,"sentiment":"neutral","sentiment_score":0.046180449004737695},{"text":"That's really good.","start_word":4441,"end_word":4443,"sentiment":"positive","sentiment_score":0.3459329605102539},{"text":"I think you've you've really answered a lot of my questions. I'm sure Matt would have probably had more, but, yeah, we'll have to come back to that. So, No. Absolutely. yeah, thank you so much for that. It's No. really It's okay. appreciated. No. And My pleasure. Once you sit down and have a chat with Matt and well, Matthew, and and kind of have a bit more of an open conversation now that you have a bit more information. If Yes. you Matthew has my email address, so feel free to flick an email through. If Matthew has any more questions, feel free to do so. Or if you guys just wanna come into the office, yeah, just send me an email and we can organize a time, and we can sit down whether it's yourself and Matthew or whether it's all four of us, either either way. Mhmm. Yep. We're five of us, I guess. Either either way, we can do that.","start_word":4444,"end_word":4608,"sentiment":"neutral","sentiment_score":0.11626289039850236},{"text":"We can have a nice coffee and go from there. Perfect. Alright. Thank you very much. That's really enlightening and and good to get some professional advice as well.","start_word":4609,"end_word":4637,"sentiment":"positive","sentiment_score":0.7130299806594849},{"text":"No.","start_word":4638,"end_word":4638,"sentiment":"neutral","sentiment_score":0.16943565011024475},{"text":"Absolutely. My pleasure. Alright. Thank you. You have a lovely evening. You too, Linda. Bye. Thank you.","start_word":4639,"end_word":4655,"sentiment":"positive","sentiment_score":0.6355498433113098},{"text":"Bye bye.","start_word":4656,"end_word":4657,"sentiment":"neutral","sentiment_score":0.3306333124637604}],"average":{"sentiment":"neutral","sentiment_score":0.059044564505828866}}}}