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I looked at yesterday's calendar thinking it was today's calendar, and I was like, 9AM is perfect. And then I double booked myself, and I've had nothing but Internet issues all day. Anyway, just just I'm living I'm living the dream today. I really am. Thank god. It's Friday. It's been a week. Sugar, are you right? Yeah. Half of the course. That's I mean, yay for technology on your side. No. It's okay. We we we we do it. Anyway, the reason I wanted to basically touch base with you and have a chat was, a, more than happy to do with the withdrawal. I'll get the documents out to you today. I just wanted to talk to you first because I've had a couple of chats with Zurich and your policy. You know how we went through and did the renewal for the the reinstatement for the life policy where, basically, it buy buys back in? Yep. That's been completed, and that has gone through nicely. But we need to resubmit the documents even though we submitted them twelve months ago, but we need to resubmit the documents to transfer that policy over to the North account, and then we can close out that Macquarie account as well. So we can be done with the Macquarie saga, which is good. And I just didn't I didn't get a balance when I spoke to Macquarie, but it should be something around the $50,000 mark, but I can double check with them. Yeah. Yes. Yes. Yeah. What's your, yeah, what's your sale price gonna be roughly to this house? Yep. Okay. That's good. Alright. And Yep. Yeah. No. That's perfect. Because Yeah. A little bit. The stress. Yeah. Mhmm. Yes. Yeah. You've got you've got, like, another eighteen months. Yep. Yeah. Yeah. Good. No. That is absolutely okay. Because what have you what have we really put into this property? Yeah. No. That that's absolutely okay. Yeah. And we can talk years on how we put the money in. But what have you what have you put into this property? Because we bought for one point o one one one one. Yep. Yeah. So I bought $1.01 $6.05, and then, yeah, we put 200 in so far. Less than that. That's cool. No. That's really good. So, realistically, it cost you one point yeah. It cost cost you 1.365. And if we can walk away with that 1.7, you've been in it for not even twelve months. Yeah. Yeah. Yeah. Yeah. Is mom going okay? Or Yes. Yeah. Yeah. That's a big brush. But yeah. No. The half flipping is absolutely fine. So we can we can definitely talk about that once we get it solidified. Yeah. We which yeah. Renovate it and then, yeah, keep it smaller. You're you're in one section of the granny flat and another that gives you the income. I mean, realistically yeah. Yeah. That just gives you that that money. Yeah. I mean, 800 a week, $50.50, you know, fifty two weeks is 40 something thousand, 40 just, like, $42,000, something like that. Yeah. Just wanna replenish it. Yeah. To replenish it. Yeah. Definitely. Like, I think we've we've we've dug in a little bit deeper into the into the initial investment pool than what we had originally planned to, which is okay. That's good. That's really good. I was gonna ask whether quote went went well. Good. Yeah. That's it. Can it get you kids back? Good. That that makes me happy. I'm very happy. Mhmm. Yep. Yep. Yeah. Absolutely. Okay. Yeah. It's a good trial. Okay. No. That's fine. Alright. Well yeah. I was gonna say that's that's a that's a later look. Alright. Well, what I'll do now is I'll put all the documents there, and I'll send them through to you so we can do the I just wanna confirm it is 50 that you wanna pull now. Yes. Yes. Yes. Yeah. Absolutely. No. That's that's fine. Cool. So 50 now, and I will pop all the documents to transfer the Zurich policy over, paid out of the North account, and closed down the Macquarie. Yeah. And and you can, yeah, you can just we can touch base in August once we know exactly what September looks like because that's that's still four months or three months away. Yeah. So we just we'll leave the money in the out for now and then August, September. Yeah. No. No. Not at all. So, yeah, nice and easy. We can just pull that money out at that point, and the money hits pretty quickly, providing I actually submit it when you email and not four days later. Yep. Yes. Yeah. Yeah. Yeah. Well, we need to see what profit we we do get out of the house first, exactly what we sell for. And then, yeah, we talk a little bit more strategy based. You did well. You did really well. Not even a year. Like, well, you bought it in December? Oh, fair enough. Has time gone that quickly? I love that for us. Really? Wow. Absolutely. Absolutely will. Oh, no. Of course. That would be better. So and I do love that it does have, like, the two different dwellings. Like, it's it's one house, but it you know? Yeah. Yes. Yeah. Like yeah. Yeah. Just too big, but at the same time, like, if we can flip it and get the money back and downsize. And that's just a question as to me exactly as they're sort of saying whether we go small and stay small for you just yourself or whether we buy slightly bigger, flip it again, or income straight. Yeah. Dual living type of thing. Yeah. Yes. Yeah. Yeah. Something slightly bit slightly smaller. Yeah, no. And that and we we talk towards the end of the year once things fell and see what September brings with the court case and and go from there. Not slack, but oh, but I can't wait to see the photos go up. You should be. Anything that you've done will will it'll be awesome. I can't wait to see what it looks like, how you transformed it. Very excited. Sign. Yep. I will just yeah. It'll just be it'll just be electronically signed, everything. So I just I'll just I'll do up the withdrawal documents and package them up as well and and get them through to you with everything else. Providing my Internet plays the game, or my laptop's gonna end up through the wall? Here's right away. Yeah. Yeah. We closed closed the office on Thursday, Fridays to just stop our staff having to to do the travel all the time. And, yeah, yeah, it's been good. I I walk my kids to school and because on Fridays, we finish it, yeah, we finish at 02:30 on a Friday. So I walk down and pick my kids up and because I'm I'm yeah. The the work life balance hits really nicely. So and because I generally pull 70 hour weeks. No. That's okay. They're literally down the road. It takes me two minutes to walk down there, but I'll I'll get the documents out to you, and and then we'll go from there. No stress. Thanks, Gary. 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Carrie. Larissa from O2 Financial. How are you going? It's good. I am so sorry about the screw up yesterday.\n\nI looked at yesterday's calendar thinking it was today's calendar, and I was like, 9AM is perfect. And then I double booked myself, and I've had nothing but Internet issues all day. Anyway, just just I'm living I'm living the dream today. I really am. Thank god.\n\nIt's Friday. It's been a week. Sugar, are you right? Yeah. Half of the course.\n\nThat's I mean, yay for technology on your side. No. It's okay. We we we we do it. Anyway, the reason I wanted to basically touch base with you and have a chat was, a, more than happy to do with the withdrawal.\n\nI'll get the documents out to you today. I just wanted to talk to you first because I've had a couple of chats with Zurich and your policy. You know how we went through and did the renewal for the the reinstatement for the life policy where, basically, it buy buys back in? Yep. That's been completed, and that has gone through nicely.\n\nBut we need to resubmit the documents even though we submitted them twelve months ago, but we need to resubmit the documents to transfer that policy over to the North account, and then we can close out that Macquarie account as well. So we can be done with the Macquarie saga, which is good. And I just didn't I didn't get a balance when I spoke to Macquarie, but it should be something around the $50,000 mark, but I can double check with them. Yeah. Yes.\n\nYes. Yeah. What's your, yeah, what's your sale price gonna be roughly to this house? Yep. Okay.\n\nThat's good. Alright. And Yep. Yeah. No.\n\nThat's perfect. Because Yeah. A little bit. The stress. Yeah.\n\nMhmm. Yes. Yeah. You've got you've got, like, another eighteen months. Yep.\n\nYeah. Yeah. Good. No. That is absolutely okay.\n\nBecause what have you what have we really put into this property? Yeah. No. That that's absolutely okay. Yeah.\n\nAnd we can talk years on how we put the money in. But what have you what have you put into this property? Because we bought for one point o one one one one. Yep. Yeah.\n\nSo I bought $1.01 $6.05, and then, yeah, we put 200 in so far. Less than that. That's cool. No. That's really good.\n\nSo, realistically, it cost you one point yeah. It cost cost you 1.365. And if we can walk away with that 1.7, you've been in it for not even twelve months. Yeah. Yeah.\n\nYeah. Yeah. Is mom going okay? Or Yes. Yeah.\n\nYeah. That's a big brush. But yeah. No. The half flipping is absolutely fine.\n\nSo we can we can definitely talk about that once we get it solidified. Yeah. We which yeah. Renovate it and then, yeah, keep it smaller. You're you're in one section of the granny flat and another that gives you the income.\n\nI mean, realistically yeah. Yeah. That just gives you that that money. Yeah. I mean, 800 a week, $50.50, you know, fifty two weeks is 40 something thousand, 40 just, like, $42,000, something like that.\n\nYeah. Just wanna replenish it. Yeah. To replenish it. Yeah.\n\nDefinitely. Like, I think we've we've we've dug in a little bit deeper into the into the initial investment pool than what we had originally planned to, which is okay. That's good. That's really good. I was gonna ask whether quote went went well.\n\nGood. Yeah. That's it. Can it get you kids back? Good.\n\nThat that makes me happy. I'm very happy. Mhmm. Yep. Yep.\n\nYeah. Absolutely. Okay. Yeah. It's a good trial.\n\nOkay. No. That's fine. Alright. Well yeah.\n\nI was gonna say that's that's a that's a later look. Alright. Well, what I'll do now is I'll put all the documents there, and I'll send them through to you so we can do the I just wanna confirm it is 50 that you wanna pull now. Yes. Yes.\n\nYes. Yeah. Absolutely. No. That's that's fine.\n\nCool. So 50 now, and I will pop all the documents to transfer the Zurich policy over, paid out of the North account, and closed down the Macquarie. Yeah. And and you can, yeah, you can just we can touch base in August once we know exactly what September looks like because that's that's still four months or three months away. Yeah.\n\nSo we just we'll leave the money in the out for now and then August, September. Yeah. No. No. Not at all.\n\nSo, yeah, nice and easy. We can just pull that money out at that point, and the money hits pretty quickly, providing I actually submit it when you email and not four days later. Yep. Yes. Yeah.\n\nYeah. Yeah. Well, we need to see what profit we we do get out of the house first, exactly what we sell for. And then, yeah, we talk a little bit more strategy based. You did well.\n\nYou did really well. Not even a year. Like, well, you bought it in December? Oh, fair enough. Has time gone that quickly?\n\nI love that for us. Really? Wow. Absolutely. Absolutely will.\n\nOh, no. Of course. That would be better. So and I do love that it does have, like, the two different dwellings. Like, it's it's one house, but it you know?\n\nYeah. Yes. Yeah. Like yeah. Yeah.\n\nJust too big, but at the same time, like, if we can flip it and get the money back and downsize. And that's just a question as to me exactly as they're sort of saying whether we go small and stay small for you just yourself or whether we buy slightly bigger, flip it again, or income straight. Yeah. Dual living type of thing. Yeah.\n\nYes. Yeah. Yeah. Something slightly bit slightly smaller. Yeah, no.\n\nAnd that and we we talk towards the end of the year once things fell and see what September brings with the court case and and go from there. Not slack, but oh, but I can't wait to see the photos go up. You should be. Anything that you've done will will it'll be awesome. I can't wait to see what it looks like, how you transformed it.\n\nVery excited. Sign. Yep. I will just yeah. It'll just be it'll just be electronically signed, everything.\n\nSo I just I'll just I'll do up the withdrawal documents and package them up as well and and get them through to you with everything else. Providing my Internet plays the game, or my laptop's gonna end up through the wall? Here's right away. Yeah. Yeah.\n\nWe closed closed the office on Thursday, Fridays to just stop our staff having to to do the travel all the time. And, yeah, yeah, it's been good. I I walk my kids to school and because on Fridays, we finish it, yeah, we finish at 02:30 on a Friday. So I walk down and pick my kids up and because I'm I'm yeah. The the work life balance hits really nicely.\n\nSo and because I generally pull 70 hour weeks. No. That's okay. They're literally down the road. It takes me two minutes to walk down there, but I'll I'll get the documents out to you, and and then we'll go from there.\n\nNo stress. Thanks, Gary. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Carrie.","start":2.6399999,"end":3.6,"sentiment":"neutral","sentiment_score":0.1400299072265625},{"text":"Larissa from O2 Financial.","start":3.6,"end":5.04,"sentiment":"neutral","sentiment_score":0.1558469831943512},{"text":"How are you going?","start":5.04,"end":5.94,"sentiment":"neutral","sentiment_score":0.22698170319199562},{"text":"It's good.","start":8.639999,"end":9.28,"sentiment":"positive","sentiment_score":0.6268654465675354},{"text":"I am so sorry about the screw up yesterday.","start":9.28,"end":11.46,"sentiment":"neutral","sentiment_score":-0.29337315758069354}],"sentiment":"neutral","sentiment_score":0.020226049281301953,"num_words":21,"start":2.6399999,"end":11.46},{"sentences":[{"text":"I looked at yesterday's calendar thinking it was today's calendar, and I was like, 9AM is perfect.","start":11.679999,"end":17.645,"sentiment":"neutral","sentiment_score":-0.04115273167981821},{"text":"And then I double booked myself, and I've had nothing but Internet issues all day.","start":17.705,"end":21.805,"sentiment":"neutral","sentiment_score":-0.19255741586287817},{"text":"Anyway, just just I'm living I'm living the dream today.","start":21.945,"end":27.48,"sentiment":"positive","sentiment_score":0.524696248024702},{"text":"I really am.","start":27.48,"end":28.380001,"sentiment":"positive","sentiment_score":0.4643886089324951},{"text":"Thank god.","start":28.44,"end":28.84,"sentiment":"positive","sentiment_score":0.4029681533575058}],"sentiment":"neutral","sentiment_score":0.08208738164381778,"num_words":47,"start":11.679999,"end":28.84},{"sentences":[{"text":"It's Friday.","start":28.84,"end":29.58,"sentiment":"neutral","sentiment_score":0.12647145986557007},{"text":"It's been a week.","start":29.68,"end":31.18,"sentiment":"neutral","sentiment_score":0.019168045837432146},{"text":"Sugar, are you right?","start":56.39,"end":57.690002,"sentiment":"neutral","sentiment_score":-0.03123969119042158},{"text":"Yeah.","start":60.63,"end":61.13,"sentiment":"neutral","sentiment_score":-0.11713950335979462},{"text":"Half of the course.","start":62.905,"end":64.045,"sentiment":"neutral","sentiment_score":-0.005225189961493015}],"sentiment":"neutral","sentiment_score":0.004441071674227715,"num_words":15,"start":28.84,"end":64.045},{"sentences":[{"text":"That's I mean, yay for technology on your side.","start":68.425,"end":71.805,"sentiment":"neutral","sentiment_score":0.15470730596118504},{"text":"No.","start":77.96,"end":78.46,"sentiment":"neutral","sentiment_score":-0.09729304909706116},{"text":"It's okay.","start":78.68,"end":79.24,"sentiment":"neutral","sentiment_score":-0.028626464307308197},{"text":"We we we we do it.","start":79.24,"end":80.86,"sentiment":"neutral","sentiment_score":0.018776859777669113},{"text":"Anyway, the reason I wanted to basically touch base with you and have a chat was, a, more than happy to do with the withdrawal.","start":81.4,"end":91.165,"sentiment":"neutral","sentiment_score":0.21705541655421257}],"sentiment":"neutral","sentiment_score":0.15760154298744922,"num_words":43,"start":68.425,"end":91.165},{"sentences":[{"text":"I'll get the documents out to you today.","start":91.625,"end":93.725006,"sentiment":"neutral","sentiment_score":0.19531401619315147},{"text":"I just wanted to talk to you first because I've had a couple of chats with Zurich and your policy.","start":93.785,"end":102.285,"sentiment":"neutral","sentiment_score":0.1076978787779808},{"text":"You know how we went through and did the renewal for the the reinstatement for the life policy where, basically, it buy buys back in?","start":103.64,"end":114.35999,"sentiment":"neutral","sentiment_score":0.07911513984203339},{"text":"Yep.","start":114.35999,"end":114.85999,"sentiment":"neutral","sentiment_score":0.16430139541625977},{"text":"That's been completed, and that has gone through nicely.","start":115.815,"end":119.195,"sentiment":"positive","sentiment_score":0.37799880736403996}],"sentiment":"neutral","sentiment_score":0.14699426766425844,"num_words":63,"start":91.625,"end":119.195},{"sentences":[{"text":"But we need to resubmit the documents even though we submitted them twelve months ago, but we need to resubmit the documents to transfer that policy over to the North account, and then we can close out that Macquarie account as well.","start":120.055,"end":132.74,"sentiment":"neutral","sentiment_score":0.00810584076680243},{"text":"So we can be done with the Macquarie saga, which is good.","start":133.04001,"end":138.8,"sentiment":"positive","sentiment_score":0.46434444437424344},{"text":"And I just didn't I didn't get a balance when I spoke to Macquarie, but it should be something around the $50,000 mark, but I can double check with them.","start":138.8,"end":149.55501,"sentiment":"neutral","sentiment_score":-0.004613298705468575},{"text":"Yeah.","start":150.255,"end":150.755,"sentiment":"neutral","sentiment_score":0.21553653478622437},{"text":"Yes.","start":158.48,"end":158.98,"sentiment":"neutral","sentiment_score":0.040123678743839264}],"sentiment":"neutral","sentiment_score":0.070114417407705,"num_words":86,"start":120.055,"end":158.98},{"sentences":[{"text":"Yes.","start":161.76,"end":162.26,"sentiment":"neutral","sentiment_score":0.025068044662475582},{"text":"Yeah.","start":175.45499,"end":175.95499,"sentiment":"neutral","sentiment_score":0.011645793914794922},{"text":"What's your, yeah, what's your sale price gonna be roughly to this 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Yep.","start":229.03,"end":244.27501,"sentiment":"neutral","sentiment_score":0.25117942690849304},{"text":"Yeah.","start":251.55,"end":251.87001,"sentiment":"neutral","sentiment_score":0.1024264469742775},{"text":"No.","start":251.87001,"end":252.19,"sentiment":"neutral","sentiment_score":0.037340324372053146}],"sentiment":"neutral","sentiment_score":0.28825325465628077,"num_words":7,"start":226.79,"end":252.19},{"sentences":[{"text":"That's perfect.","start":252.19,"end":253.33,"sentiment":"neutral","sentiment_score":0.16218733042478561},{"text":"Because Yeah.","start":254.11,"end":263.72498,"sentiment":"neutral","sentiment_score":-0.049535127356648445},{"text":"A little bit.","start":263.72498,"end":264.54498,"sentiment":"neutral","sentiment_score":-0.047128853698571525},{"text":"The stress.","start":265.72498,"end":266.38498,"sentiment":"neutral","sentiment_score":-0.0922648087143898},{"text":"Yeah.","start":269.32498,"end":269.82498,"sentiment":"neutral","sentiment_score":-0.018269680440425873}],"sentiment":"neutral","sentiment_score":-0.011888145282864571,"num_words":10,"start":252.19,"end":269.82498},{"sentences":[{"text":"Mhmm.","start":277.33002,"end":277.83002,"sentiment":"neutral","sentiment_score":-0.011693824082612991},{"text":"Yes.","start":281.33002,"end":281.65,"sentiment":"neutral","sentiment_score":0.029726330190896988},{"text":"Yeah.","start":281.65,"end":281.97,"sentiment":"neutral","sentiment_score":0.018966373056173325},{"text":"You've got you've got, like, another eighteen months.","start":281.97,"end":284.07,"sentiment":"neutral","sentiment_score":0.0029284642660059035},{"text":"Yep.","start":298.065,"end":298.53,"sentiment":"neutral","sentiment_score":-0.009478555992245674}],"sentiment":"neutral","sentiment_score":0.004245669775021573,"num_words":12,"start":277.33002,"end":298.53},{"sentences":[{"text":"Yeah.","start":321.105,"end":321.605,"sentiment":"neutral","sentiment_score":0.02618619054555893},{"text":"Yeah.","start":326.63998,"end":327.13998,"sentiment":"neutral","sentiment_score":0.13397234678268433},{"text":"Good.","start":330.4,"end":330.9,"sentiment":"positive","sentiment_score":0.4274426698684693},{"text":"No.","start":331.2,"end":331.6,"sentiment":"neutral","sentiment_score":0.1182890236377716},{"text":"That is absolutely okay.","start":331.6,"end":333.3,"sentiment":"neutral","sentiment_score":0.2161550410091877}],"sentiment":"neutral","sentiment_score":0.19631379935890436,"num_words":8,"start":321.105,"end":333.3},{"sentences":[{"text":"Because what have you what have we really put into this property?","start":333.52,"end":336.74,"sentiment":"neutral","sentiment_score":0.00814290934552749},{"text":"Yeah.","start":337.765,"end":338.165,"sentiment":"neutral","sentiment_score":0.03105812519788742},{"text":"No.","start":338.165,"end":338.405,"sentiment":"neutral","sentiment_score":0.005665687844157219},{"text":"That that's absolutely okay.","start":338.405,"end":339.445,"sentiment":"neutral","sentiment_score":0.12434130907058716},{"text":"Yeah.","start":339.445,"end":339.605,"sentiment":"neutral","sentiment_score":0.07413724064826965}],"sentiment":"neutral","sentiment_score":0.037154800111525936,"num_words":19,"start":333.52,"end":339.605},{"sentences":[{"text":"And we can talk years on how we put the money in.","start":339.605,"end":341.785,"sentiment":"neutral","sentiment_score":0.041565765316287674},{"text":"But what have you what have you put into this property?","start":341.845,"end":344.085,"sentiment":"neutral","sentiment_score":-0.002133221280845729},{"text":"Because we bought for one point o one one one one.","start":344.085,"end":350.025,"sentiment":"neutral","sentiment_score":0.04459342970089479},{"text":"Yep.","start":352.84,"end":353.34,"sentiment":"neutral","sentiment_score":0.0917130708694458},{"text":"Yeah.","start":354.12,"end":354.62,"sentiment":"neutral","sentiment_score":0.05452020466327667}],"sentiment":"neutral","sentiment_score":0.03089124310968651,"num_words":36,"start":339.605,"end":354.62},{"sentences":[{"text":"So I bought $1.01 $6.05, and then, yeah, we put 200 in so far.","start":354.76,"end":359.18,"sentiment":"neutral","sentiment_score":0.0700085751180138},{"text":"Less than that.","start":365.875,"end":366.935,"sentiment":"neutral","sentiment_score":0.021028772617379825},{"text":"That's cool.","start":386.625,"end":387.36502,"sentiment":"neutral","sentiment_score":0.2646596431732178},{"text":"No.","start":387.42502,"end":387.58502,"sentiment":"neutral","sentiment_score":-0.03141140192747116},{"text":"That's really good.","start":387.58502,"end":388.465,"sentiment":"neutral","sentiment_score":0.003323722630739212}],"sentiment":"neutral","sentiment_score":0.06743849660067455,"num_words":23,"start":354.76,"end":388.465},{"sentences":[{"text":"So, realistically, it cost you one point yeah.","start":388.465,"end":392.425,"sentiment":"neutral","sentiment_score":-0.03922525350935757},{"text":"It cost cost you 1.365.","start":392.425,"end":394.965,"sentiment":"neutral","sentiment_score":-0.02305769398808479},{"text":"And if we can walk away with that 1.7, you've been in it for not even twelve 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Yes.","start":443.045,"end":454.28,"sentiment":"neutral","sentiment_score":-0.004855362698435783},{"text":"Yeah.","start":464.835,"end":465.335,"sentiment":"neutral","sentiment_score":0.04981465637683869}],"sentiment":"neutral","sentiment_score":0.07096954062581062,"num_words":9,"start":430.71,"end":465.335},{"sentences":[{"text":"Yeah.","start":474.53,"end":474.77,"sentiment":"neutral","sentiment_score":-0.01588255912065506},{"text":"That's a big brush.","start":474.77,"end":475.83,"sentiment":"neutral","sentiment_score":-0.09088560380041599},{"text":"But yeah.","start":490.275,"end":491.495,"sentiment":"neutral","sentiment_score":0.018855229020118713},{"text":"No.","start":491.875,"end":492.375,"sentiment":"neutral","sentiment_score":-0.02476835250854492},{"text":"The half flipping is absolutely 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that.","start":539.86,"end":549.075,"sentiment":"neutral","sentiment_score":0.05350041016936302}],"sentiment":"neutral","sentiment_score":0.0482418604195118,"num_words":35,"start":530.89996,"end":549.075},{"sentences":[{"text":"Yeah.","start":558.43,"end":558.93,"sentiment":"neutral","sentiment_score":0.03219502419233322},{"text":"Just wanna replenish it.","start":560.35,"end":561.97003,"sentiment":"neutral","sentiment_score":0.009488012176007032},{"text":"Yeah.","start":562.83,"end":563.33,"sentiment":"neutral","sentiment_score":0.04061057418584824},{"text":"To replenish 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a good trial.","start":669.34503,"end":670.245,"sentiment":"neutral","sentiment_score":0.10575891472399235}],"sentiment":"neutral","sentiment_score":0.0784292005118914,"num_words":8,"start":656.54,"end":670.245},{"sentences":[{"text":"Okay.","start":671.10504,"end":671.585,"sentiment":"neutral","sentiment_score":0.026547476649284363},{"text":"No.","start":671.585,"end":671.825,"sentiment":"neutral","sentiment_score":0.012268275022506714},{"text":"That's fine.","start":671.825,"end":672.22504,"sentiment":"neutral","sentiment_score":0.07194235920906067},{"text":"Alright.","start":672.22504,"end":672.54504,"sentiment":"neutral","sentiment_score":0.07243460416793823},{"text":"Well yeah.","start":672.54504,"end":675.365,"sentiment":"neutral","sentiment_score":0.02155637927353382}],"sentiment":"neutral","sentiment_score":0.04260683325784547,"num_words":7,"start":671.10504,"end":675.365},{"sentences":[{"text":"I was gonna say that's that's a that's a later 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fine.","start":733.22,"end":734.18,"sentiment":"positive","sentiment_score":0.3744102418422699}],"sentiment":"neutral","sentiment_score":0.25277641522032873,"num_words":7,"start":713.19,"end":734.18},{"sentences":[{"text":"Cool.","start":734.18,"end":734.5,"sentiment":"positive","sentiment_score":0.5812606811523438},{"text":"So 50 now, and I will pop all the documents to transfer the Zurich policy over, paid out of the North account, and closed down the Macquarie.","start":734.5,"end":749.20496,"sentiment":"neutral","sentiment_score":0.1950686408413781},{"text":"Yeah.","start":758.72,"end":759.12,"sentiment":"neutral","sentiment_score":0.000652853399515152},{"text":"And and you can, yeah, you can just we can touch base in August once we know exactly what September looks like because that's that's still four months or three months away.","start":759.12,"end":772.115,"sentiment":"neutral","sentiment_score":0.012531192507594824},{"text":"Yeah.","start":775.055,"end":775.555,"sentiment":"neutral","sentiment_score":-0.014851841144263744}],"sentiment":"neutral","sentiment_score":0.10056311542528772,"num_words":62,"start":734.18,"end":775.555},{"sentences":[{"text":"So we just we'll leave the money in the out for now and then August, September.","start":776.095,"end":780.355,"sentiment":"neutral","sentiment_score":0.005124300543684512},{"text":"Yeah.","start":784.71,"end":785.19,"sentiment":"neutral","sentiment_score":0.0897718220949173},{"text":"No.","start":785.19,"end":785.69,"sentiment":"neutral","sentiment_score":-0.047180693596601486},{"text":"No.","start":786.07,"end":786.47003,"sentiment":"neutral","sentiment_score":-0.04367431625723839},{"text":"Not at all.","start":786.47003,"end":787.37,"sentiment":"neutral","sentiment_score":-0.07234480480353038}],"sentiment":"neutral","sentiment_score":-0.006187672430480068,"num_words":22,"start":776.095,"end":787.37},{"sentences":[{"text":"So, yeah, nice and easy.","start":787.83,"end":789.27,"sentiment":"positive","sentiment_score":0.35493131875991824},{"text":"We can just pull that money out at that point, and the money hits pretty quickly, providing I actually submit it when you email and not four days later.","start":789.27,"end":798.305,"sentiment":"neutral","sentiment_score":0.20032966470923916},{"text":"Yep.","start":806.925,"end":807.425,"sentiment":"neutral","sentiment_score":0.06491442769765854},{"text":"Yes.","start":815.71,"end":816.21,"sentiment":"neutral","sentiment_score":0.09142062067985536},{"text":"Yeah.","start":831.00494,"end":831.245,"sentiment":"neutral","sentiment_score":0.05358777195215225}],"sentiment":"neutral","sentiment_score":0.2106524240728971,"num_words":37,"start":787.83,"end":831.245},{"sentences":[{"text":"Yeah.","start":831.245,"end":831.745,"sentiment":"neutral","sentiment_score":0.05189653858542442},{"text":"Yeah.","start":831.805,"end":832.045,"sentiment":"neutral","sentiment_score":0.05666760355234146},{"text":"Well, we need to see what profit we we do get out of the house first, exactly what we sell for.","start":832.045,"end":837.97003,"sentiment":"neutral","sentiment_score":0.12339167225928534},{"text":"And then, yeah, we talk a little bit more strategy based.","start":839.31,"end":841.97003,"sentiment":"neutral","sentiment_score":0.10136610134081407},{"text":"You did well.","start":848.91,"end":849.71,"sentiment":"positive","sentiment_score":0.8571658531824747}],"sentiment":"neutral","sentiment_score":0.17260307929403074,"num_words":37,"start":831.245,"end":849.71},{"sentences":[{"text":"You did really well.","start":849.71,"end":850.93,"sentiment":"positive","sentiment_score":0.8262903839349747},{"text":"Not even a year.","start":861.175,"end":862.395,"sentiment":"neutral","sentiment_score":0.02805130649358034},{"text":"Like, well, you bought it in December?","start":862.53503,"end":864.555,"sentiment":"neutral","sentiment_score":0.023040723321693286},{"text":"Oh, fair enough.","start":876.44,"end":877.34,"sentiment":"neutral","sentiment_score":0.016681707153717678},{"text":"Has time gone that quickly?","start":877.815,"end":879.195,"sentiment":"neutral","sentiment_score":0.006468470767140388}],"sentiment":"neutral","sentiment_score":0.15917562175056207,"num_words":23,"start":849.71,"end":879.195},{"sentences":[{"text":"I love that for us.","start":882.775,"end":884.055,"sentiment":"positive","sentiment_score":0.38470866084098815},{"text":"Really?","start":884.055,"end":884.555,"sentiment":"neutral","sentiment_score":0.19159536063671112},{"text":"Wow.","start":884.775,"end":885.275,"sentiment":"neutral","sentiment_score":0.06156047433614731},{"text":"Absolutely.","start":898.71,"end":899.21,"sentiment":"neutral","sentiment_score":0.010090852156281471},{"text":"Absolutely will.","start":900.71,"end":901.995,"sentiment":"neutral","sentiment_score":-0.23406685888767242}],"sentiment":"neutral","sentiment_score":0.17186562735587357,"num_words":10,"start":882.775,"end":901.995},{"sentences":[{"text":"Oh, no.","start":915.93,"end":917.15,"sentiment":"neutral","sentiment_score":-0.11150659620761871},{"text":"Of course.","start":920.33,"end":921.07,"sentiment":"neutral","sentiment_score":-0.045661481097340584},{"text":"That would be better.","start":924.65,"end":925.71,"sentiment":"neutral","sentiment_score":-0.0995404813438654},{"text":"So and I do love that it does have, like, the two different dwellings.","start":934.335,"end":938.755,"sentiment":"neutral","sentiment_score":0.18653288217527525},{"text":"Like, it's it's one house, but it you know?","start":939.455,"end":941.76,"sentiment":"neutral","sentiment_score":0.10878358532985051}],"sentiment":"neutral","sentiment_score":0.0928391786592622,"num_words":31,"start":915.93,"end":941.76},{"sentences":[{"text":"Yeah.","start":949.36,"end":949.86,"sentiment":"neutral","sentiment_score":-0.052507951855659485},{"text":"Yes.","start":962.09503,"end":962.59503,"sentiment":"positive","sentiment_score":0.3914130926132202},{"text":"Yeah.","start":976.82996,"end":977.32996,"sentiment":"neutral","sentiment_score":0.2555287182331085},{"text":"Like yeah.","start":982.125,"end":982.865,"sentiment":"neutral","sentiment_score":0.010761807672679424},{"text":"Yeah.","start":995.74,"end":996.24,"sentiment":"neutral","sentiment_score":-0.13833166658878326}],"sentiment":"neutral","sentiment_score":0.07960430129120748,"num_words":6,"start":949.36,"end":996.24},{"sentences":[{"text":"Just too big, but at the same time, like, if we can flip it and get the money back and downsize.","start":996.7,"end":1002.88,"sentiment":"neutral","sentiment_score":-0.0986733106630189},{"text":"And that's just a question as to me exactly as they're sort of saying whether we go small and stay small for you just yourself or whether we buy slightly bigger, flip it again, or income straight.","start":1003.58,"end":1017.54,"sentiment":"neutral","sentiment_score":-0.005467533561828974},{"text":"Yeah.","start":1017.94,"end":1018.44,"sentiment":"neutral","sentiment_score":0.09985534846782684},{"text":"Dual living type of thing.","start":1021.13995,"end":1022.68,"sentiment":"neutral","sentiment_score":0.15693299025297164},{"text":"Yeah.","start":1022.74,"end":1023.24,"sentiment":"neutral","sentiment_score":0.1172664687037468}],"sentiment":"neutral","sentiment_score":-0.019579253804225188,"num_words":65,"start":996.7,"end":1023.24},{"sentences":[{"text":"Yes.","start":1028.82,"end":1029.32,"sentiment":"neutral","sentiment_score":0.13120108842849731},{"text":"Yeah.","start":1030.545,"end":1031.045,"sentiment":"neutral","sentiment_score":0.13934949040412903},{"text":"Yeah.","start":1035.425,"end":1035.8251,"sentiment":"neutral","sentiment_score":0.03626445680856705},{"text":"Something slightly bit slightly smaller.","start":1035.8251,"end":1038.405,"sentiment":"neutral","sentiment_score":-0.03335414603352547},{"text":"Yeah, no.","start":1044.24,"end":1044.88,"sentiment":"neutral","sentiment_score":-0.13684586063027382}],"sentiment":"neutral","sentiment_score":-0.013364741578698158,"num_words":10,"start":1028.82,"end":1044.88},{"sentences":[{"text":"And that and we we talk towards the end of the year once things fell and see what September brings with the court case and and go from there.","start":1044.88,"end":1055.835,"sentiment":"neutral","sentiment_score":-0.12010875845263744},{"text":"Not slack, but oh, but I can't wait to see the photos go up.","start":1067.6749,"end":1078.97,"sentiment":"neutral","sentiment_score":0.25329207818556043},{"text":"You should be.","start":1085.525,"end":1086.585,"sentiment":"positive","sentiment_score":0.7860774397850037},{"text":"Anything that you've done will will it'll be awesome.","start":1087.285,"end":1090.325,"sentiment":"positive","sentiment_score":0.8182092507680258},{"text":"I can't wait to see what it looks like, how you transformed it.","start":1090.325,"end":1093.065,"sentiment":"positive","sentiment_score":0.7044763060716482}],"sentiment":"neutral","sentiment_score":0.27857709786279455,"num_words":68,"start":1044.88,"end":1093.065},{"sentences":[{"text":"Very excited.","start":1096.5,"end":1097.32,"sentiment":"positive","sentiment_score":0.4467809349298477},{"text":"Sign.","start":1101.14,"end":1101.64,"sentiment":"neutral","sentiment_score":0.05279349908232689},{"text":"Yep.","start":1101.86,"end":1102.36,"sentiment":"neutral","sentiment_score":0.04518083855509758},{"text":"I will just yeah.","start":1102.42,"end":1104.34,"sentiment":"neutral","sentiment_score":0.0633580032736063},{"text":"It'll just be it'll just be electronically signed, everything.","start":1104.34,"end":1109.285,"sentiment":"neutral","sentiment_score":0.11733063144816293}],"sentiment":"neutral","sentiment_score":0.13534964138970657,"num_words":17,"start":1096.5,"end":1109.285},{"sentences":[{"text":"So I just I'll just I'll do up the withdrawal documents and package them up as well and and get them through to you with everything else.","start":1109.285,"end":1116.905,"sentiment":"neutral","sentiment_score":0.13150047262509665},{"text":"Providing my Internet plays the game, or my laptop's gonna end up through the wall?","start":1119.765,"end":1123.98,"sentiment":"neutral","sentiment_score":0.12375525236129761},{"text":"Here's right away.","start":1124.0599,"end":1124.96,"sentiment":"neutral","sentiment_score":0.05607797329624494},{"text":"Yeah.","start":1127.58,"end":1127.98,"sentiment":"neutral","sentiment_score":0.019700881093740463},{"text":"Yeah.","start":1127.98,"end":1128.2999,"sentiment":"neutral","sentiment_score":0.017635077238082886}],"sentiment":"neutral","sentiment_score":0.11941300903229003,"num_words":47,"start":1109.285,"end":1128.2999},{"sentences":[{"text":"We closed closed the office on Thursday, Fridays to just stop our staff having to to do the travel all the time.","start":1128.2999,"end":1137.4199,"sentiment":"neutral","sentiment_score":0.09094108611514623},{"text":"And, yeah, yeah, it's been good.","start":1137.4199,"end":1142.2849,"sentiment":"neutral","sentiment_score":0.3232320199410121},{"text":"I I walk my kids to school and because on Fridays, we finish it, yeah, we finish at 02:30 on a Friday.","start":1142.505,"end":1149.245,"sentiment":"neutral","sentiment_score":0.16062236814336342},{"text":"So I walk down and pick my kids up and because I'm I'm yeah.","start":1149.3049,"end":1155.8301,"sentiment":"neutral","sentiment_score":0.14497293292411736},{"text":"The the work life balance hits really nicely.","start":1156.2101,"end":1158.61,"sentiment":"neutral","sentiment_score":0.31797236017882824}],"sentiment":"neutral","sentiment_score":0.16732205632918826,"num_words":72,"start":1128.2999,"end":1158.61},{"sentences":[{"text":"So and because I generally pull 70 hour weeks.","start":1158.61,"end":1161.67,"sentiment":"neutral","sentiment_score":0.0414962170438634},{"text":"No.","start":1164.6901,"end":1164.93,"sentiment":"neutral","sentiment_score":-0.09734055399894714},{"text":"That's okay.","start":1164.93,"end":1165.67,"sentiment":"neutral","sentiment_score":0.030211880803108215},{"text":"They're literally down the road.","start":1165.855,"end":1166.5349,"sentiment":"neutral","sentiment_score":0.1059092104434967},{"text":"It takes me two minutes to walk down there, but I'll I'll get the documents out to you, and and then we'll go from there.","start":1166.5349,"end":1172.9149,"sentiment":"neutral","sentiment_score":0.1662148928642273}],"sentiment":"neutral","sentiment_score":0.11955875082917157,"num_words":42,"start":1158.61,"end":1172.9149},{"sentences":[{"text":"No stress.","start":1176.335,"end":1176.8949,"sentiment":"positive","sentiment_score":0.5767756998538971},{"text":"Thanks, Gary.","start":1176.8949,"end":1177.7949,"sentiment":"positive","sentiment_score":0.6974360942840576},{"text":"Bye.","start":1177.855,"end":1178.355,"sentiment":"positive","sentiment_score":0.5055783987045288}],"sentiment":"positive","sentiment_score":0.6108003973960876,"num_words":5,"start":1176.335,"end":1178.355}]}}]},{"alternatives":[{"transcript":"Hello. Karen speaking. I'm not too bad, Rosa. How are you going? That's no problem at all. Oh, tell me about it. I I went on holidays last Friday. I went to go to Rockhampton for a few days to see some horse riding friends, and then I was supposed to fly out to Cairns on Monday to have court on Tuesday in Cairns and spend the rest of the week with my mom for her seventieth. And I ended up in hospital all week, so I only got discharged from Rockhampton Hospital yesterday and flew home today. Oh, I I keep getting bowel obstructions just part of the liver disease. Yep. Yes. But I had managed to court from the hospital room, so that was fun. Yeah. But no. So I'm a bit the same. I'm like, oh, I'm behind the eight ball this week. Yes. The bar that's shipped. Beautiful. So there's how much is left in that Macquarie account? Yeah. Around that anyway. Yeah. That's good. Because I'm aware that I'm gonna need a little bit more still. Luckily, my legal fees have come down quite a lot, but I'm also paying out the vehicle that I've been using. And I'm like, I'm I'm like, oh, why am I worried about that? I was like, Carrie, you've literally the house is almost on the market. And I'm like, the houses that I'm looking at buying are anywhere from 900 to, you know, 1.1. I'm like, so I've got plenty to reinvest again. I'm like, I just, you know, you get it I get a little bit patted me. Well, this is why I haven't decided yet if because I've done a bit more to it, obviously, with the last funds. And it's just a little bit more I can need to do or not do. Like, the driveway, it's like, do I redo the driveway? Just leave it as it is. I'm just waiting on a new real estate actually to give me his opinion because it's as it is at the moment, it's, like, 1.65. If I just finish a few more things off, which is the sort of biggest things, like, because they are, you know, doing in, like, a whole new driveway and, you know, removing some more bricks from out the back and relaying either tiles or pavers or something there. It would be closer to 1.7, 1.72. So it's really good, and I've been looking at quite a few different properties because I don't need anything as big. And, literally, I can buy something similar that I that I want to exactly to do the same thing to renovate and turn it back over. And then I still have plenty to live on for the next few years plus also to put all back into my investments. So I've done all the figures, and I'm just getting a little bit worried because I'm like, oh my god. What if I get down to only having, you know, a 100,000 in the bank? And that's okay. It's okay because the house is for sale, and it'll just adjust what I buy and where I buy and all that sort of stuff because my idea is my insurance ends next year. Another, like, November, December next year. Yeah. And I'll probably put allow, like, 200 to go back in to whatever I'm going to renovate, and that will cover everything from the stamp duty when I buy it. Like, you know, allowing that extra the extra fees, the extra everything. Because I think if I go on and only allow $1.50 to renovate, it can tend to undershoot it. So broad range, if I'm buying so it's 1.1, spending 1.2 max, that's spending 1.3, I'll have, you know, $3.50 to 400 to put back in, and I can draw out 50,000 a year to live on. And by then, I will renovate it and turn it back over and sell it again and do the same thing. So that's the plan. But once this sells, I will run it by you. $1.01 $6.05. Pretty much, it it's it'll be doing exactly what I've done with this property, which is exactly what I've done. Put 200 in. Yep. I mean, some of that is legal fees and holidays and stuff like that. So it is you know, and I'm, like, I bought a horse float, and I bought a 30 you know, I'm about to buy a $35,000 car. And I bought a trailer and things like that. But, yeah, the renovations were only about $1.50, but then I'm broad ranging it going well. I've added a bit more, and I've got more, and I've done more outside now. So 200. That's weird. So it's a really good return. Not even twelve months. That's for me. And I'll do exactly the same thing again because I've got the same all the same trades lined up. I'm actually even got some better, and I'll put you through exactly what I've done again. This was a very old house. This is a big task too because it was five bedroom, three bathroom. I'm looking for something a bit smaller because I possibly will not have mom with with me. Yeah. But I also like to think that I could rent out. So I'm I'm still looking to think that I could have a granny flat if possible to rent out for additional income. No. No. She's going really well. Unfortunately, my godmother is dying, and her husband is dying. Mom spent every week up there for a few days. So I'm at the point where I'm like, well, mom, you know, I could rent a buy the house for a lot less, you know, and buy you a caravan to put on their front lawn instead. You know? I'm like, instead of buying a house suitable for that, I'm like, oh, we get your government housing or you could just move in with them because they're on the side of Cleandro. So she's up there every week. Yeah. And I also said to her, I also need the income because I was thinking I would go back to work, and now I'm like, why am I going back to work just to support mom? If I can work it so that I can get some income plus have mom, then that works well. Yeah. Well, I mean, if I stayed in the house I'm in, the room yeah. If I stayed in the house I'm in, I could get 800 a week for the granny side of the front because it's a separate two bedroom house with its own lounge room and kitchen and en suite and everything. So the real estate were like, no. We could easily rent this for 800. So if I could do something like that at the next place yeah. Or if I could do this exactly again, this would be ideal. But, anyway, I've got a lot of options. Yeah. I know. And that's why I'm like, do I even sell this? And it's more just because I've been using this money for the legal fees, and it will be over by early next year. I'm like, I think I have to sell to get that investment there in the next one. And if I don't have to sell, then I can keep it. But yeah. Well, we weren't we we yeah. And we weren't I wasn't expecting the legal thing, but it's gone really well. I had caught this week. So this is the first bit of hope that I actually might have my kids back next year. Yeah. It is really good, actually. Yeah. And their lawyers have adjusted their costs. So instead of the $1.50 for the trial, it's come down quite a bit. And we're already, like, a third of the way there. So but it means I will probably need some more each year if I haven't sold the house in time, which is fine. I've got the funds there for that. It's more just getting the house sold, so I don't have to worry about it. And I get to get my kids back. And in September, we'll know more. And if I don't, well, then no. I don't spend any more money on the lawyers. So but now it's something quite positive. Yeah. Yes. But so the 50 that I need, at the moment, I'm pretty good. I've got I still got a few of the money in the bank, which I've set aside for the lawyers at the moment, which is covering where we are up until September. But the vehicle I'm driving, that's 35, and I wanna pay that out. And then I just need a little bit extra for around the house, and then it's ready to sell. But that's fine. That's only if I don't do the driveway. I do the driveway, it's gonna cost more. But I'm still messing around with the idea anyway. But yeah. It could be another 50 that I'll need for the lawyers if we go to trial if we go to trial. And that won't be until early next year. Well, I'm just it might well, just going with what we've got now. So what we've got now is there's a 170 in there. Is that right? Yep. So 50 now, it really doesn't get me anywhere further with the lawyers. If there's if there's any more after September, that doesn't cover me. But it covers me with the house and buying the car. So that's fine, which then gives us one twenty, and then we're getting 50. So it's basically we're back to $1.70 again. So worst case, if I need another 50, we're still well over the 100 left in there as a safeguard. Yep. Yes. And then, yes, I'll possibly need a little bit more just to get me through the September hearing. That's all my quest it's a it's a little bit away. Yeah. That's what I thought. I thought it doesn't take much for me to call and ask for more, so that's fine. Yeah. That's why before I buy another house, I'll talk some strategies with you because I'm gonna just rent in the meantime or Airbnb it or something. Because then a part of me almost also also goes, well, do I buy something quite a lot smaller, like a townhouse? It's not so much I've got ideas anyway, and then just keep, you know, like, $7,800,000 in investments. Because if we're doing $10.10 a year, roughly, $7.07 percent a year, that's a really good income for me without having to rely on buying and selling, buying and selling. So I'll run it by you before I do anymore. Yes. Yep. Always. But, you know, the the house has been a great investment. So yeah. I mean, even if it was only half of what I've got out of it, it's still really good money. I honestly didn't think it'd be about 300,000 in a year. That's pretty good. Yeah. Yeah. Oh, no. It was oh, no. It was actually it's almost been a year. We moved in in September. So yeah. It has yeah. I know. And it's only this recent bit of rain, which has made my driveway completely separate. And I was like, why? Like, you were fine. You know what? Didn't have to do it, but, like, doing the driveway alone, that'll be another 15,000 just to redo that. Oh my god. You're paying an asshole thing. So I was just trying to see if I could fix it and get away with it because, like, literally, all the bricks have separated. It's like a a foot gap down the middle of the driveway now. And I only saw it when I got home from being away, and I was like, why? It's like the cement underneath that's holding the bricks together is suddenly let go. So can I see if I can fix that without having to relay the whole driveway? Yeah. It would be a 100% better, but the other place looks amazing. Everyone raves about it. So, yeah, it's not a good job. Oh, it's it's so well set up because I can't hear my mom at all when she's here. And she comes through the front door, and I go through the garage. So we literally don't you know? And for me to have somebody else here other than her, it would be absolutely fine. I mean, there's a yeah. You can literally cut cut it off and have two separate houses completely. And because I've ended up putting in a whole full kitchen for her, like, that she could even rent out a room herself. You know? She's got a beautiful full kitchen with a dishwasher and stove and, you know, it's massive. And a big lounge room, and she's got the biggest bedroom in the house. So and my back the back of the house, the back two bedrooms and bathroom, never been used. I've had one person come stay once, and other than that, they're my kids' rooms have never been opened. They don't get used at all. So that's why I'm like, do I really need this bigger house? Well, yeah, I'd like the secondary income. So even when I say by myself, I still wanna be able to rent a granny side out, whether that means convert the garage or whatever, but that's a lot less cost than what I did here. But it also means I can go for a four bedroom house rather than a five. Yeah. It's not as much income, but yeah. Anyway, lots of options. I know. I honestly could have had it sold a bit quicker. I'm just being a little bit motivated because I just gotta do things like gardening and stuff myself, and I'm like, oh, just being a bit slack. I know. Because I'm like, well, we don't really have to worry about it too urgently, but I'm like, I should really get my finger out and get moving. So Yeah. It it looks good. I'm pretty happy. I'm pretty proud of it. Yeah. Thank you. Alright. Well, do you you're just gonna email me through whatever I need to do, or do I just will it be a DocuSign? Yeah. Lovely. Okay. Wonderful. Yes. Because you're working from home today, aren't you? Oh, it's a great idea. Save save costs and let everyone have a bit of time in the office. I think it's a wonderful idea. Yeah. Oh, nice. Yeah. That's the work life balance. Well, it's after 02:30. I better let you go get your kids. Beautiful. Alright. Thanks so much, Larissa. Okay. 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Karen speaking. I'm not too bad, Rosa. How are you going? That's no problem at all.\n\nOh, tell me about it. I I went on holidays last Friday. I went to go to Rockhampton for a few days to see some horse riding friends, and then I was supposed to fly out to Cairns on Monday to have court on Tuesday in Cairns and spend the rest of the week with my mom for her seventieth. And I ended up in hospital all week, so I only got discharged from Rockhampton Hospital yesterday and flew home today. Oh, I I keep getting bowel obstructions just part of the liver disease.\n\nYep. Yes. But I had managed to court from the hospital room, so that was fun. Yeah. But no.\n\nSo I'm a bit the same. I'm like, oh, I'm behind the eight ball this week. Yes. The bar that's shipped. Beautiful.\n\nSo there's how much is left in that Macquarie account? Yeah. Around that anyway. Yeah. That's good.\n\nBecause I'm aware that I'm gonna need a little bit more still. Luckily, my legal fees have come down quite a lot, but I'm also paying out the vehicle that I've been using. And I'm like, I'm I'm like, oh, why am I worried about that? I was like, Carrie, you've literally the house is almost on the market. And I'm like, the houses that I'm looking at buying are anywhere from 900 to, you know, 1.1.\n\nI'm like, so I've got plenty to reinvest again. I'm like, I just, you know, you get it I get a little bit patted me. Well, this is why I haven't decided yet if because I've done a bit more to it, obviously, with the last funds. And it's just a little bit more I can need to do or not do. Like, the driveway, it's like, do I redo the driveway?\n\nJust leave it as it is. I'm just waiting on a new real estate actually to give me his opinion because it's as it is at the moment, it's, like, 1.65. If I just finish a few more things off, which is the sort of biggest things, like, because they are, you know, doing in, like, a whole new driveway and, you know, removing some more bricks from out the back and relaying either tiles or pavers or something there. It would be closer to 1.7, 1.72. So it's really good, and I've been looking at quite a few different properties because I don't need anything as big.\n\nAnd, literally, I can buy something similar that I that I want to exactly to do the same thing to renovate and turn it back over. And then I still have plenty to live on for the next few years plus also to put all back into my investments. So I've done all the figures, and I'm just getting a little bit worried because I'm like, oh my god. What if I get down to only having, you know, a 100,000 in the bank? And that's okay.\n\nIt's okay because the house is for sale, and it'll just adjust what I buy and where I buy and all that sort of stuff because my idea is my insurance ends next year. Another, like, November, December next year. Yeah. And I'll probably put allow, like, 200 to go back in to whatever I'm going to renovate, and that will cover everything from the stamp duty when I buy it. Like, you know, allowing that extra the extra fees, the extra everything.\n\nBecause I think if I go on and only allow $1.50 to renovate, it can tend to undershoot it. So broad range, if I'm buying so it's 1.1, spending 1.2 max, that's spending 1.3, I'll have, you know, $3.50 to 400 to put back in, and I can draw out 50,000 a year to live on. And by then, I will renovate it and turn it back over and sell it again and do the same thing. So that's the plan. But once this sells, I will run it by you.\n\n$1.01 $6.05. Pretty much, it it's it'll be doing exactly what I've done with this property, which is exactly what I've done. Put 200 in. Yep. I mean, some of that is legal fees and holidays and stuff like that.\n\nSo it is you know, and I'm, like, I bought a horse float, and I bought a 30 you know, I'm about to buy a $35,000 car. And I bought a trailer and things like that. But, yeah, the renovations were only about $1.50, but then I'm broad ranging it going well. I've added a bit more, and I've got more, and I've done more outside now. So 200.\n\nThat's weird. So it's a really good return. Not even twelve months. That's for me. And I'll do exactly the same thing again because I've got the same all the same trades lined up.\n\nI'm actually even got some better, and I'll put you through exactly what I've done again. This was a very old house. This is a big task too because it was five bedroom, three bathroom. I'm looking for something a bit smaller because I possibly will not have mom with with me. Yeah.\n\nBut I also like to think that I could rent out. So I'm I'm still looking to think that I could have a granny flat if possible to rent out for additional income. No. No. She's going really well.\n\nUnfortunately, my godmother is dying, and her husband is dying. Mom spent every week up there for a few days. So I'm at the point where I'm like, well, mom, you know, I could rent a buy the house for a lot less, you know, and buy you a caravan to put on their front lawn instead. You know? I'm like, instead of buying a house suitable for that, I'm like, oh, we get your government housing or you could just move in with them because they're on the side of Cleandro.\n\nSo she's up there every week. Yeah. And I also said to her, I also need the income because I was thinking I would go back to work, and now I'm like, why am I going back to work just to support mom? If I can work it so that I can get some income plus have mom, then that works well. Yeah.\n\nWell, I mean, if I stayed in the house I'm in, the room yeah. If I stayed in the house I'm in, I could get 800 a week for the granny side of the front because it's a separate two bedroom house with its own lounge room and kitchen and en suite and everything. So the real estate were like, no. We could easily rent this for 800. So if I could do something like that at the next place yeah.\n\nOr if I could do this exactly again, this would be ideal. But, anyway, I've got a lot of options. Yeah. I know. And that's why I'm like, do I even sell this?\n\nAnd it's more just because I've been using this money for the legal fees, and it will be over by early next year. I'm like, I think I have to sell to get that investment there in the next one. And if I don't have to sell, then I can keep it. But yeah. Well, we weren't we we yeah.\n\nAnd we weren't I wasn't expecting the legal thing, but it's gone really well. I had caught this week. So this is the first bit of hope that I actually might have my kids back next year. Yeah. It is really good, actually.\n\nYeah. And their lawyers have adjusted their costs. So instead of the $1.50 for the trial, it's come down quite a bit. And we're already, like, a third of the way there. So but it means I will probably need some more each year if I haven't sold the house in time, which is fine.\n\nI've got the funds there for that. It's more just getting the house sold, so I don't have to worry about it. And I get to get my kids back. And in September, we'll know more. And if I don't, well, then no.\n\nI don't spend any more money on the lawyers. So but now it's something quite positive. Yeah. Yes. But so the 50 that I need, at the moment, I'm pretty good.\n\nI've got I still got a few of the money in the bank, which I've set aside for the lawyers at the moment, which is covering where we are up until September. But the vehicle I'm driving, that's 35, and I wanna pay that out. And then I just need a little bit extra for around the house, and then it's ready to sell. But that's fine. That's only if I don't do the driveway.\n\nI do the driveway, it's gonna cost more. But I'm still messing around with the idea anyway. But yeah. It could be another 50 that I'll need for the lawyers if we go to trial if we go to trial. And that won't be until early next year.\n\nWell, I'm just it might well, just going with what we've got now. So what we've got now is there's a 170 in there. Is that right? Yep. So 50 now, it really doesn't get me anywhere further with the lawyers.\n\nIf there's if there's any more after September, that doesn't cover me. But it covers me with the house and buying the car. So that's fine, which then gives us one twenty, and then we're getting 50. So it's basically we're back to $1.70 again. So worst case, if I need another 50, we're still well over the 100 left in there as a safeguard.\n\nYep. Yes. And then, yes, I'll possibly need a little bit more just to get me through the September hearing. That's all my quest it's a it's a little bit away. Yeah.\n\nThat's what I thought. I thought it doesn't take much for me to call and ask for more, so that's fine. Yeah. That's why before I buy another house, I'll talk some strategies with you because I'm gonna just rent in the meantime or Airbnb it or something. Because then a part of me almost also also goes, well, do I buy something quite a lot smaller, like a townhouse?\n\nIt's not so much I've got ideas anyway, and then just keep, you know, like, $7,800,000 in investments. Because if we're doing $10.10 a year, roughly, $7.07 percent a year, that's a really good income for me without having to rely on buying and selling, buying and selling. So I'll run it by you before I do anymore. Yes. Yep.\n\nAlways. But, you know, the the house has been a great investment. So yeah. I mean, even if it was only half of what I've got out of it, it's still really good money. I honestly didn't think it'd be about 300,000 in a year.\n\nThat's pretty good. Yeah. Yeah. Oh, no. It was oh, no.\n\nIt was actually it's almost been a year. We moved in in September. So yeah. It has yeah. I know.\n\nAnd it's only this recent bit of rain, which has made my driveway completely separate. And I was like, why? Like, you were fine. You know what? Didn't have to do it, but, like, doing the driveway alone, that'll be another 15,000 just to redo that.\n\nOh my god. You're paying an asshole thing. So I was just trying to see if I could fix it and get away with it because, like, literally, all the bricks have separated. It's like a a foot gap down the middle of the driveway now. And I only saw it when I got home from being away, and I was like, why?\n\nIt's like the cement underneath that's holding the bricks together is suddenly let go. So can I see if I can fix that without having to relay the whole driveway? Yeah. It would be a 100% better, but the other place looks amazing. Everyone raves about it.\n\nSo, yeah, it's not a good job. Oh, it's it's so well set up because I can't hear my mom at all when she's here. And she comes through the front door, and I go through the garage. So we literally don't you know? And for me to have somebody else here other than her, it would be absolutely fine.\n\nI mean, there's a yeah. You can literally cut cut it off and have two separate houses completely. And because I've ended up putting in a whole full kitchen for her, like, that she could even rent out a room herself. You know? She's got a beautiful full kitchen with a dishwasher and stove and, you know, it's massive.\n\nAnd a big lounge room, and she's got the biggest bedroom in the house. So and my back the back of the house, the back two bedrooms and bathroom, never been used. I've had one person come stay once, and other than that, they're my kids' rooms have never been opened. They don't get used at all. So that's why I'm like, do I really need this bigger house?\n\nWell, yeah, I'd like the secondary income. So even when I say by myself, I still wanna be able to rent a granny side out, whether that means convert the garage or whatever, but that's a lot less cost than what I did here. But it also means I can go for a four bedroom house rather than a five. Yeah. It's not as much income, but yeah.\n\nAnyway, lots of options. I know. I honestly could have had it sold a bit quicker. I'm just being a little bit motivated because I just gotta do things like gardening and stuff myself, and I'm like, oh, just being a bit slack. I know.\n\nBecause I'm like, well, we don't really have to worry about it too urgently, but I'm like, I should really get my finger out and get moving. So Yeah. It it looks good. I'm pretty happy. I'm pretty proud of it.\n\nYeah. Thank you. Alright. Well, do you you're just gonna email me through whatever I need to do, or do I just will it be a DocuSign? Yeah.\n\nLovely. Okay. Wonderful. Yes. Because you're working from home today, aren't you?\n\nOh, it's a great idea. Save save costs and let everyone have a bit of time in the office. I think it's a wonderful idea. Yeah. Oh, nice.\n\nYeah. That's the work life balance. Well, it's after 02:30. I better let you go get your kids. Beautiful.\n\nAlright. Thanks so much, Larissa. Okay. Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":0.79999995,"end":1.1999999,"sentiment":"neutral","sentiment_score":0.028808660805225372},{"text":"Karen speaking.","start":1.1999999,"end":2.02,"sentiment":"neutral","sentiment_score":0.024548607878386974},{"text":"I'm not too bad, Rosa.","start":6.3999996,"end":7.7599998,"sentiment":"neutral","sentiment_score":0.3189546287059784},{"text":"How are you going?","start":7.7599998,"end":8.58,"sentiment":"neutral","sentiment_score":0.3010891042649746},{"text":"That's no problem at all.","start":21.965,"end":24.225,"sentiment":"positive","sentiment_score":0.4066123962402344}],"sentiment":"neutral","sentiment_score":0.28882925990311537,"num_words":17,"start":0.79999995,"end":24.225},{"sentences":[{"text":"Oh, tell me about it.","start":30.46,"end":31.26,"sentiment":"neutral","sentiment_score":0.016425926983356477},{"text":"I I went on holidays last Friday.","start":31.26,"end":33.9,"sentiment":"neutral","sentiment_score":0.02250370755791664},{"text":"I went to go to Rockhampton for a few days to see some horse riding friends, and then I was supposed to fly out to Cairns on Monday to have court on Tuesday in Cairns and spend the rest of the week with my mom for her seventieth.","start":33.9,"end":48.635002,"sentiment":"neutral","sentiment_score":0.05188511420662204},{"text":"And I ended up in hospital all week, so I only got discharged from Rockhampton Hospital yesterday and flew home today.","start":48.635002,"end":55.37,"sentiment":"neutral","sentiment_score":-0.11799955651873634},{"text":"Oh, I I keep getting bowel obstructions just part of the liver disease.","start":57.989998,"end":62.01,"sentiment":"neutral","sentiment_score":-0.2130334468988272}],"sentiment":"neutral","sentiment_score":-0.02677962156210808,"num_words":94,"start":30.46,"end":62.01},{"sentences":[{"text":"Yep.","start":62.309998,"end":62.809998,"sentiment":"neutral","sentiment_score":-0.0048948489129543304},{"text":"Yes.","start":64.385,"end":64.865,"sentiment":"neutral","sentiment_score":0.03210067376494408},{"text":"But I had managed to court from the hospital room, so that was fun.","start":64.865,"end":68.085,"sentiment":"neutral","sentiment_score":0.10046154367072242},{"text":"Yeah.","start":72.385,"end":72.785,"sentiment":"neutral","sentiment_score":0.0032948721200227737},{"text":"But no.","start":72.785,"end":73.185,"sentiment":"neutral","sentiment_score":-0.05214916542172432}],"sentiment":"neutral","sentiment_score":0.0701402093430883,"num_words":19,"start":62.309998,"end":73.185},{"sentences":[{"text":"So I'm a bit the same.","start":73.185,"end":74.065,"sentiment":"neutral","sentiment_score":-0.09469847815732162},{"text":"I'm like, oh, I'm behind the eight ball this week.","start":74.065,"end":82.7975,"sentiment":"neutral","sentiment_score":-0.06058088690042496},{"text":"Yes.","start":112.32,"end":112.82,"sentiment":"neutral","sentiment_score":0.07308594137430191},{"text":"The bar that's shipped.","start":112.96,"end":123.655,"sentiment":"neutral","sentiment_score":0.03216895926743746},{"text":"Beautiful.","start":136.85,"end":137.35,"sentiment":"positive","sentiment_score":0.7368404865264893}],"sentiment":"neutral","sentiment_score":-0.010699885135347193,"num_words":22,"start":73.185,"end":137.35},{"sentences":[{"text":"So there's how much is left in that Macquarie account?","start":138.05,"end":141.19,"sentiment":"neutral","sentiment_score":0.20767076462507247},{"text":"Yeah.","start":148.505,"end":148.905,"sentiment":"neutral","sentiment_score":0.00003639236092567444},{"text":"Around that anyway.","start":148.905,"end":150.10501,"sentiment":"neutral","sentiment_score":0.0041235095510880155},{"text":"Yeah.","start":150.10501,"end":150.345,"sentiment":"neutral","sentiment_score":0.10533438622951508},{"text":"That's good.","start":150.345,"end":151.085,"sentiment":"positive","sentiment_score":0.5282057821750641}],"sentiment":"neutral","sentiment_score":0.19122708928497398,"num_words":17,"start":138.05,"end":151.085},{"sentences":[{"text":"Because I'm aware that I'm gonna need a little bit more still.","start":151.30501,"end":155.07,"sentiment":"neutral","sentiment_score":-0.05261585240562757},{"text":"Luckily, my legal fees have come down quite a lot, but I'm also paying out the vehicle that I've been using.","start":155.07,"end":160.21,"sentiment":"neutral","sentiment_score":0.0177678299979085},{"text":"And I'm like, I'm I'm like, oh, why am I worried about that?","start":161.07,"end":163.23,"sentiment":"neutral","sentiment_score":-0.09831228888092133},{"text":"I was like, Carrie, you've literally the house is almost on the market.","start":163.23,"end":166.51,"sentiment":"neutral","sentiment_score":-0.023552805364418488},{"text":"And I'm like, the houses that I'm looking at buying are anywhere from 900 to, you know, 1.1.","start":166.51,"end":171.895,"sentiment":"neutral","sentiment_score":-0.014804699768622717}],"sentiment":"neutral","sentiment_score":-0.027389566492676348,"num_words":77,"start":151.30501,"end":171.895},{"sentences":[{"text":"I'm like, so I've got plenty to reinvest again.","start":172.115,"end":174.455,"sentiment":"neutral","sentiment_score":-0.060937383522590004},{"text":"I'm like, I just, you know, you get it I get a little bit patted me.","start":174.835,"end":178.535,"sentiment":"neutral","sentiment_score":-0.05369805241934955},{"text":"Well, this is why I haven't decided yet if because I've done a bit more to it, obviously, with the last funds.","start":182.0,"end":189.06,"sentiment":"neutral","sentiment_score":-0.19465414366938852},{"text":"And it's just a little bit more I can need to do or not do.","start":189.43999,"end":192.0,"sentiment":"neutral","sentiment_score":-0.2484882205724716},{"text":"Like, the driveway, it's like, do I redo the driveway?","start":192.0,"end":194.56,"sentiment":"neutral","sentiment_score":-0.08634783998131752}],"sentiment":"neutral","sentiment_score":-0.14278886332694027,"num_words":72,"start":172.115,"end":194.56},{"sentences":[{"text":"Just leave it as it is.","start":194.56,"end":195.645,"sentiment":"neutral","sentiment_score":-0.09095094601313274},{"text":"I'm just waiting on a new real estate actually to give me his opinion because it's as it is at the moment, it's, like, 1.65.","start":195.80501,"end":203.16501,"sentiment":"neutral","sentiment_score":-0.052973486632108685},{"text":"If I just finish a few more things off, which is the sort of biggest things, like, because they are, you know, doing in, like, a whole new driveway and, you know, removing some more bricks from out the back and relaying either tiles or pavers or something there.","start":203.16501,"end":222.03001,"sentiment":"neutral","sentiment_score":0.018776460759797876},{"text":"It would be closer to 1.7, 1.72.","start":222.17001,"end":224.99,"sentiment":"neutral","sentiment_score":0.0018861967005899974},{"text":"So it's really good, and I've been looking at quite a few different properties because I don't need anything as big.","start":228.72499,"end":233.385,"sentiment":"neutral","sentiment_score":0.31381891880716595}],"sentiment":"neutral","sentiment_score":0.05234633710373331,"num_words":108,"start":194.56,"end":233.385},{"sentences":[{"text":"And, literally, I can buy something similar that I that I want to exactly to do the same thing to renovate and turn it back over.","start":235.125,"end":242.90999,"sentiment":"neutral","sentiment_score":0.25875917420937466},{"text":"And then I still have plenty to live on for the next few years plus also to put all back into my investments.","start":244.48999,"end":250.26999,"sentiment":"neutral","sentiment_score":0.26066581645737524},{"text":"So I've done all the figures, and I'm just getting a little bit worried because I'm like, oh my god.","start":253.605,"end":258.965,"sentiment":"neutral","sentiment_score":-0.14329988341778516},{"text":"What if I get down to only having, you know, a 100,000 in the bank?","start":258.965,"end":263.065,"sentiment":"neutral","sentiment_score":-0.117342675725619},{"text":"And that's okay.","start":264.97,"end":265.93,"sentiment":"neutral","sentiment_score":-0.03706218426426252}],"sentiment":"neutral","sentiment_score":0.0917899764474781,"num_words":87,"start":235.125,"end":265.93},{"sentences":[{"text":"It's okay because the house is for sale, and it'll just adjust what I buy and where I buy and all that sort of stuff because my idea is my insurance ends next year.","start":265.93,"end":275.87,"sentiment":"neutral","sentiment_score":-0.028514402624055305},{"text":"Another, like, November, December next year.","start":277.915,"end":280.73502,"sentiment":"neutral","sentiment_score":-0.009647018431375423},{"text":"Yeah.","start":284.23502,"end":284.555,"sentiment":"neutral","sentiment_score":0.014655658975243568},{"text":"And I'll probably put allow, like, 200 to go back in to whatever I'm going to renovate, and that will cover everything from the stamp duty when I buy it.","start":284.555,"end":294.45,"sentiment":"neutral","sentiment_score":0.03285719994455576},{"text":"Like, you know, allowing that extra the extra fees, the extra everything.","start":294.45,"end":298.47,"sentiment":"neutral","sentiment_score":-0.023687491814295452}],"sentiment":"neutral","sentiment_score":-0.0037500005333224334,"num_words":83,"start":265.93,"end":298.47},{"sentences":[{"text":"Because I think if I go on and only allow $1.50 to renovate, it can tend to 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$6.05.","start":345.935,"end":347.235,"sentiment":"neutral","sentiment_score":0.00857320218347013},{"text":"Pretty much, it it's it'll be doing exactly what I've done with this property, which is exactly what I've done.","start":348.01498,"end":352.86,"sentiment":"neutral","sentiment_score":0.28733189329504966},{"text":"Put 200 in.","start":353.97998,"end":355.19998,"sentiment":"neutral","sentiment_score":0.05080456783374151},{"text":"Yep.","start":360.3,"end":360.69998,"sentiment":"neutral","sentiment_score":0.06957390159368515},{"text":"I mean, some of that is legal fees and holidays and stuff like that.","start":360.69998,"end":364.13998,"sentiment":"neutral","sentiment_score":0.009586111376328128}],"sentiment":"neutral","sentiment_score":0.15299943586578593,"num_words":40,"start":345.935,"end":364.13998},{"sentences":[{"text":"So it is you know, and I'm, like, I bought a horse float, and I bought a 30 you know, I'm about to buy a $35,000 car.","start":364.13998,"end":369.525,"sentiment":"neutral","sentiment_score":0.038933875039219856},{"text":"And I bought a trailer and things like that.","start":370.625,"end":373.285,"sentiment":"neutral","sentiment_score":0.04751431859201855},{"text":"But, yeah, the renovations were only about $1.50, but then I'm broad ranging it going well.","start":374.065,"end":380.15002,"sentiment":"neutral","sentiment_score":0.13294663513079286},{"text":"I've added a bit more, and I've got more, and I've done more outside now.","start":380.15002,"end":383.21002,"sentiment":"neutral","sentiment_score":0.1003052294254303},{"text":"So 200.","start":383.51,"end":384.73,"sentiment":"neutral","sentiment_score":0.10124895721673965}],"sentiment":"neutral","sentiment_score":0.07700095668543076,"num_words":69,"start":364.13998,"end":384.73},{"sentences":[{"text":"That's weird.","start":388.87003,"end":389.35,"sentiment":"neutral","sentiment_score":-0.12326589226722717},{"text":"So it's a really good return.","start":389.35,"end":390.89,"sentiment":"neutral","sentiment_score":-0.08083899319171906},{"text":"Not even twelve months.","start":401.115,"end":402.415,"sentiment":"neutral","sentiment_score":-0.12675610557198524},{"text":"That's for me.","start":404.23502,"end":404.715,"sentiment":"neutral","sentiment_score":-0.05104421948393186},{"text":"And I'll do exactly the same thing again because I've got the same all the same trades lined up.","start":404.715,"end":410.93,"sentiment":"neutral","sentiment_score":0.013321042722581248}],"sentiment":"neutral","sentiment_score":-0.03348891213810181,"num_words":34,"start":388.87003,"end":410.93},{"sentences":[{"text":"I'm actually even got some better, and I'll put you through exactly what I've done again.","start":410.93,"end":416.23,"sentiment":"neutral","sentiment_score":0.02170097501948476},{"text":"This was a very old house.","start":417.49,"end":418.77,"sentiment":"neutral","sentiment_score":-0.28753691414992016},{"text":"This is a big task too because it was five bedroom, three bathroom.","start":418.77,"end":421.66998,"sentiment":"neutral","sentiment_score":-0.2317610726906703},{"text":"I'm looking for something a bit smaller because I possibly will not have mom with with me.","start":423.875,"end":429.41498,"sentiment":"neutral","sentiment_score":-0.0567957213258042},{"text":"Yeah.","start":432.035,"end":432.35498,"sentiment":"neutral","sentiment_score":0.11527824401855467}],"sentiment":"neutral","sentiment_score":-0.09888960090729426,"num_words":53,"start":410.93,"end":432.35498},{"sentences":[{"text":"But I also like to think that I could rent out.","start":432.35498,"end":434.775,"sentiment":"neutral","sentiment_score":0.25253343040292914},{"text":"So I'm I'm still looking to think that I could have a granny flat if possible to rent out for additional income.","start":435.22,"end":439.72,"sentiment":"neutral","sentiment_score":0.24450502815571698},{"text":"No.","start":444.1,"end":444.18,"sentiment":"neutral","sentiment_score":-0.1888452023267746},{"text":"No.","start":444.18,"end":444.34,"sentiment":"neutral","sentiment_score":-0.20243963599205017},{"text":"She's going really well.","start":444.34,"end":445.30002,"sentiment":"neutral","sentiment_score":-0.05918172188103199}],"sentiment":"neutral","sentiment_score":0.19305042635936004,"num_words":39,"start":432.35498,"end":445.30002},{"sentences":[{"text":"Unfortunately, my godmother is dying, and her husband is dying.","start":445.30002,"end":449.48,"sentiment":"negative","sentiment_score":-0.4986027926206589},{"text":"Mom spent every week up there for a few days.","start":449.645,"end":452.145,"sentiment":"neutral","sentiment_score":-0.21223742812871932},{"text":"So I'm at the point where I'm like, well, mom, you know, I could rent a buy the house for a lot less, you know, and buy you a caravan to put on their front lawn instead.","start":453.165,"end":464.61,"sentiment":"neutral","sentiment_score":0.007413731032126659},{"text":"You know?","start":464.61,"end":465.00998,"sentiment":"neutral","sentiment_score":0.007205994799733162},{"text":"I'm like, instead of buying a house suitable for that, I'm like, oh, we get your government housing or you could just move in with them because they're on the side of Cleandro.","start":465.00998,"end":471.97,"sentiment":"neutral","sentiment_score":0.08380381006634596}],"sentiment":"neutral","sentiment_score":-0.044066917799089264,"num_words":92,"start":445.30002,"end":471.97},{"sentences":[{"text":"So she's up there every week.","start":471.97,"end":473.43,"sentiment":"neutral","sentiment_score":0.020419789167741936},{"text":"Yeah.","start":476.85,"end":477.315,"sentiment":"neutral","sentiment_score":0.020719202235341072},{"text":"And I also said to her, I also need the income because I was thinking I would go back to work, and now I'm like, why am I going back to work just to support mom?","start":477.395,"end":484.615,"sentiment":"neutral","sentiment_score":-0.012276772720118364},{"text":"If I can work it so that I can get some income plus have mom, then that works well.","start":485.155,"end":489.815,"sentiment":"neutral","sentiment_score":0.11430605030373524},{"text":"Yeah.","start":495.54,"end":496.04,"sentiment":"neutral","sentiment_score":0.13632673025131226}],"sentiment":"neutral","sentiment_score":0.03189548897364783,"num_words":63,"start":471.97,"end":496.04},{"sentences":[{"text":"Well, I mean, if I stayed in the house I'm in, the room yeah.","start":496.1,"end":499.7,"sentiment":"neutral","sentiment_score":0.11536964561258044},{"text":"If I stayed in the house I'm in, I could get 800 a week for the granny side of the front because it's a separate two bedroom house with its own lounge room and kitchen and en suite and everything.","start":499.7,"end":512.635,"sentiment":"neutral","sentiment_score":0.115737209841609},{"text":"So the real estate were like, no.","start":513.415,"end":514.535,"sentiment":"neutral","sentiment_score":0.05803678025092397},{"text":"We could easily rent this for 800.","start":514.535,"end":516.395,"sentiment":"neutral","sentiment_score":0.14488176362855093},{"text":"So if I could do something like that at the next place yeah.","start":517.50995,"end":530.25,"sentiment":"neutral","sentiment_score":0.11782882849757488}],"sentiment":"neutral","sentiment_score":0.1135415803687072,"num_words":81,"start":496.1,"end":530.25},{"sentences":[{"text":"Or if I could do this exactly again, this would be ideal.","start":530.585,"end":533.965,"sentiment":"neutral","sentiment_score":0.001646240707486868},{"text":"But, anyway, I've got a lot of options.","start":535.225,"end":536.925,"sentiment":"neutral","sentiment_score":0.053655119612812996},{"text":"Yeah.","start":537.865,"end":538.365,"sentiment":"neutral","sentiment_score":0.08414016664028168},{"text":"I know.","start":549.88,"end":550.44,"sentiment":"neutral","sentiment_score":0.06455639377236366},{"text":"And that's why I'm like, do I even sell this?","start":550.44,"end":553.07996,"sentiment":"neutral","sentiment_score":0.025527207367122173}],"sentiment":"neutral","sentiment_score":0.02780366282571446,"num_words":33,"start":530.585,"end":553.07996},{"sentences":[{"text":"And it's more just because I've been using this money for the legal fees, and it will be over by early next year.","start":553.07996,"end":559.26,"sentiment":"neutral","sentiment_score":0.06599574325525243},{"text":"I'm like, I think I have to sell to get that investment there in the next one.","start":559.575,"end":564.055,"sentiment":"neutral","sentiment_score":0.01642402623067884},{"text":"And if I don't have to sell, then I can keep it.","start":564.055,"end":566.47504,"sentiment":"neutral","sentiment_score":0.013237875110159317},{"text":"But yeah.","start":568.055,"end":568.965,"sentiment":"neutral","sentiment_score":0.06081486865878105},{"text":"Well, we weren't we we yeah.","start":575.01,"end":578.05,"sentiment":"neutral","sentiment_score":0.09142814949154854}],"sentiment":"neutral","sentiment_score":0.043769394606351854,"num_words":60,"start":553.07996,"end":578.05},{"sentences":[{"text":"And we weren't I wasn't expecting the legal thing, but it's gone really well.","start":578.05,"end":581.09,"sentiment":"neutral","sentiment_score":0.15033143013715744},{"text":"I had caught this week.","start":581.09,"end":582.21,"sentiment":"neutral","sentiment_score":0.24033578634262084},{"text":"So this is the first bit of hope that I actually might have my kids back next 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there.","start":598.505,"end":600.605,"sentiment":"neutral","sentiment_score":0.259460574388504},{"text":"So but it means I will probably need some more each year if I haven't sold the house in time, which is fine.","start":602.91,"end":608.19,"sentiment":"neutral","sentiment_score":0.20185207510771958}],"sentiment":"neutral","sentiment_score":0.20569508360190825,"num_words":55,"start":591.945,"end":608.19},{"sentences":[{"text":"I've got the funds there for that.","start":608.19,"end":609.55,"sentiment":"neutral","sentiment_score":0.16277047033820832},{"text":"It's more just getting the house sold, so I don't have to worry about it.","start":609.55,"end":612.85,"sentiment":"neutral","sentiment_score":0.3032630076011022},{"text":"And I get to get my kids back.","start":615.265,"end":616.625,"sentiment":"positive","sentiment_score":0.42200829461216927},{"text":"And in September, we'll know more.","start":616.625,"end":618.385,"sentiment":"neutral","sentiment_score":0.19981473435958227},{"text":"And if I don't, well, then no.","start":618.385,"end":619.425,"sentiment":"neutral","sentiment_score":-0.048420900612005165}],"sentiment":"neutral","sentiment_score":0.23079876430592564,"num_words":43,"start":608.19,"end":619.425},{"sentences":[{"text":"I don't spend any more money on the lawyers.","start":619.425,"end":620.865,"sentiment":"neutral","sentiment_score":-0.03742631897330284},{"text":"So but now it's something quite positive.","start":620.865,"end":622.96497,"sentiment":"positive","sentiment_score":0.3916272989341191},{"text":"Yeah.","start":625.505,"end":626.005,"sentiment":"positive","sentiment_score":0.6410579085350037},{"text":"Yes.","start":629.36,"end":629.76,"sentiment":"neutral","sentiment_score":0.22665373980998993},{"text":"But so the 50 that I need, at the moment, I'm pretty good.","start":629.76,"end":633.76,"sentiment":"neutral","sentiment_score":0.04021556080820469}],"sentiment":"neutral","sentiment_score":0.12242155356873427,"num_words":31,"start":619.425,"end":633.76},{"sentences":[{"text":"I've got I still got a few of the money in the bank, which I've set aside for the lawyers at the moment, which is covering where we are up until September.","start":633.76,"end":640.34,"sentiment":"neutral","sentiment_score":0.06020666955737397},{"text":"But the vehicle I'm driving, that's 35, and I wanna pay that out.","start":640.995,"end":648.455,"sentiment":"neutral","sentiment_score":0.005698651120138283},{"text":"And then I just need a little bit extra for around the house, and then it's ready to sell.","start":648.995,"end":655.98,"sentiment":"neutral","sentiment_score":0.001694004443523131},{"text":"But that's fine.","start":656.22,"end":656.86,"sentiment":"neutral","sentiment_score":0.040497637664278344},{"text":"That's only if I don't do the driveway.","start":656.86,"end":658.22,"sentiment":"neutral","sentiment_score":-0.04250495333690196}],"sentiment":"neutral","sentiment_score":0.024191136814964313,"num_words":75,"start":633.76,"end":658.22},{"sentences":[{"text":"I do the driveway, it's gonna cost more.","start":658.22,"end":660.07996,"sentiment":"neutral","sentiment_score":-0.07656276831403375},{"text":"But I'm still messing around with the idea anyway.","start":660.86,"end":663.33997,"sentiment":"neutral","sentiment_score":-0.10320480747355355},{"text":"But yeah.","start":663.33997,"end":663.89996,"sentiment":"neutral","sentiment_score":-0.045979052782058716},{"text":"It could be another 50 that I'll need for the lawyers if we go to trial if we go to trial.","start":663.89996,"end":670.285,"sentiment":"neutral","sentiment_score":-0.012105579709722883},{"text":"And that won't be until early next year.","start":671.785,"end":674.605,"sentiment":"neutral","sentiment_score":0.03473097248934209}],"sentiment":"neutral","sentiment_score":-0.033534852360996105,"num_words":48,"start":658.22,"end":674.605},{"sentences":[{"text":"Well, I'm just it might well, just going with what we've got now.","start":688.31995,"end":690.87994,"sentiment":"neutral","sentiment_score":0.028536700643599033},{"text":"So what we've got now is there's a 170 in there.","start":690.87994,"end":693.69995,"sentiment":"neutral","sentiment_score":0.03182545355097814},{"text":"Is that right?","start":696.07996,"end":696.89996,"sentiment":"neutral","sentiment_score":0.039268504828214645},{"text":"Yep.","start":698.24,"end":698.74,"sentiment":"neutral","sentiment_score":0.03523606061935425},{"text":"So 50 now, it really doesn't get me anywhere further with the lawyers.","start":699.425,"end":703.505,"sentiment":"neutral","sentiment_score":-0.10329463218267147}],"sentiment":"neutral","sentiment_score":-0.011432476727882536,"num_words":41,"start":688.31995,"end":703.505},{"sentences":[{"text":"If there's if there's any more after September, that doesn't cover me.","start":703.505,"end":706.805,"sentiment":"neutral","sentiment_score":-0.0847977294276158},{"text":"But it covers me with the house and buying the car.","start":708.865,"end":712.565,"sentiment":"neutral","sentiment_score":0.002952718599276109},{"text":"So that's fine, which then gives us one twenty, and then we're getting 50.","start":715.63,"end":720.59,"sentiment":"neutral","sentiment_score":0.08946777693927288},{"text":"So it's basically we're back to $1.70 again.","start":720.59,"end":722.93,"sentiment":"neutral","sentiment_score":0.06213049637153745},{"text":"So worst case, if I need another 50, we're still well over the 100 left in there as a safeguard.","start":724.43,"end":729.79504,"sentiment":"neutral","sentiment_score":-0.15000566244125366}],"sentiment":"neutral","sentiment_score":-0.03439404998834317,"num_words":65,"start":703.505,"end":729.79504},{"sentences":[{"text":"Yep.","start":732.895,"end":733.395,"sentiment":"neutral","sentiment_score":0.24310021102428436},{"text":"Yes.","start":752.36,"end":752.84,"sentiment":"neutral","sentiment_score":0.08580030500888824},{"text":"And then, yes, I'll possibly need a little bit more just to get me through the September hearing.","start":752.84,"end":757.34,"sentiment":"neutral","sentiment_score":0.0030422138257159125},{"text":"That's all my quest it's a it's a little bit away.","start":759.265,"end":774.225,"sentiment":"neutral","sentiment_score":-0.15884812504307114},{"text":"Yeah.","start":774.225,"end":774.6,"sentiment":"neutral","sentiment_score":-0.024284884333610535}],"sentiment":"neutral","sentiment_score":-0.043373559215979185,"num_words":32,"start":732.895,"end":774.6},{"sentences":[{"text":"That's what I thought.","start":779.0,"end":780.04,"sentiment":"neutral","sentiment_score":-0.00717375724343583},{"text":"I thought it doesn't take much for me to call and ask for more, so that's fine.","start":780.04,"end":785.42,"sentiment":"neutral","sentiment_score":-0.022069544312270248},{"text":"Yeah.","start":798.055,"end":798.555,"sentiment":"neutral","sentiment_score":0.07298944890499115},{"text":"That's why before I buy another house, I'll talk some strategies with you because I'm gonna just rent in the meantime or Airbnb it or something.","start":799.68,"end":806.10004,"sentiment":"neutral","sentiment_score":0.08648911519692494},{"text":"Because then a part of me almost also also goes, well, do I buy something quite a lot smaller, like a townhouse?","start":806.56,"end":812.535,"sentiment":"neutral","sentiment_score":0.0627033646133813}],"sentiment":"neutral","sentiment_score":0.047104331189101296,"num_words":70,"start":779.0,"end":812.535},{"sentences":[{"text":"It's not so much I've got ideas anyway, and then just keep, you know, like, $7,800,000 in investments.","start":812.535,"end":819.595,"sentiment":"neutral","sentiment_score":0.08395258254475063},{"text":"Because if we're doing $10.10 a year, roughly, $7.07 percent a year, that's a really good income for me without having to rely on buying and selling, buying and selling.","start":819.65497,"end":827.96,"sentiment":"neutral","sentiment_score":0.24686804215113323},{"text":"So I'll run it by you before I do anymore.","start":828.02,"end":830.12,"sentiment":"neutral","sentiment_score":0.11089642718434334},{"text":"Yes.","start":838.74,"end":839.235,"sentiment":"neutral","sentiment_score":0.0935252606868744},{"text":"Yep.","start":842.355,"end":842.855,"sentiment":"neutral","sentiment_score":0.18980275094509125}],"sentiment":"neutral","sentiment_score":0.17182466723024845,"num_words":60,"start":812.535,"end":842.855},{"sentences":[{"text":"Always.","start":844.515,"end":844.995,"sentiment":"positive","sentiment_score":0.436939537525177},{"text":"But, you know, the the house has been a great investment.","start":844.995,"end":847.175,"sentiment":"positive","sentiment_score":0.726136711510745},{"text":"So yeah.","start":847.315,"end":851.555,"sentiment":"positive","sentiment_score":0.6646778583526611},{"text":"I mean, even if it was only half of what I've got out of it, it's still really good money.","start":851.555,"end":855.63,"sentiment":"positive","sentiment_score":0.4508428364992142},{"text":"I honestly didn't think it'd be about 300,000 in a year.","start":856.64996,"end":859.44995,"sentiment":"neutral","sentiment_score":0.21052525802092117}],"sentiment":"positive","sentiment_score":0.46858741442362467,"num_words":45,"start":844.515,"end":859.44995},{"sentences":[{"text":"That's pretty good.","start":859.44995,"end":860.35,"sentiment":"positive","sentiment_score":0.4876250425974528},{"text":"Yeah.","start":863.52997,"end":864.02997,"sentiment":"neutral","sentiment_score":0.01573910564184189},{"text":"Yeah.","start":866.25,"end":866.73,"sentiment":"neutral","sentiment_score":0.013618817552924156},{"text":"Oh, no.","start":866.73,"end":867.13,"sentiment":"neutral","sentiment_score":-0.011240879539400339},{"text":"It was oh, no.","start":867.13,"end":869.875,"sentiment":"neutral","sentiment_score":-0.016801434103399515}],"sentiment":"neutral","sentiment_score":0.12750414140861144,"num_words":11,"start":859.44995,"end":869.875},{"sentences":[{"text":"It was actually it's almost been a year.","start":869.875,"end":872.03503,"sentiment":"neutral","sentiment_score":-0.009965283679775894},{"text":"We moved in in September.","start":872.03503,"end":873.255,"sentiment":"neutral","sentiment_score":0.016698398813605308},{"text":"So yeah.","start":873.475,"end":880.385,"sentiment":"neutral","sentiment_score":0.0552876815199852},{"text":"It has yeah.","start":883.18,"end":885.68,"sentiment":"neutral","sentiment_score":0.22631473808238903},{"text":"I know.","start":886.38,"end":886.86005,"sentiment":"neutral","sentiment_score":-0.00917708408087492}],"sentiment":"neutral","sentiment_score":0.038746756687760356,"num_words":20,"start":869.875,"end":886.86005},{"sentences":[{"text":"And it's only this recent bit of rain, which has made my driveway completely separate.","start":886.86005,"end":890.62,"sentiment":"neutral","sentiment_score":-0.09174267972509066},{"text":"And I was like, why?","start":890.62,"end":891.66003,"sentiment":"neutral","sentiment_score":-0.07393069267272949},{"text":"Like, you were fine.","start":891.66003,"end":892.94,"sentiment":"neutral","sentiment_score":-0.05165420938283205},{"text":"You know what?","start":892.94,"end":893.26,"sentiment":"neutral","sentiment_score":-0.05095029125610987},{"text":"Didn't have to do it, but, like, doing the driveway alone, that'll be another 15,000 just to redo that.","start":893.26,"end":897.555,"sentiment":"neutral","sentiment_score":-0.06310001339175199}],"sentiment":"neutral","sentiment_score":-0.07182960054310768,"num_words":46,"start":886.86005,"end":897.555},{"sentences":[{"text":"Oh my god.","start":900.035,"end":900.595,"sentiment":"neutral","sentiment_score":-0.13680619498093924},{"text":"You're paying an asshole thing.","start":900.595,"end":902.21497,"sentiment":"neutral","sentiment_score":-0.23710390031337739},{"text":"So I was just trying to see if I could fix it and get away with it because, like, literally, all the bricks have separated.","start":902.915,"end":907.635,"sentiment":"neutral","sentiment_score":-0.18469788253307343},{"text":"It's like a a foot gap down the middle of the driveway now.","start":907.635,"end":911.01,"sentiment":"neutral","sentiment_score":-0.14851120114326477},{"text":"And I only saw it when I got home from being away, and I was like, why?","start":911.01,"end":914.87,"sentiment":"neutral","sentiment_score":-0.11670265302938573}],"sentiment":"neutral","sentiment_score":-0.1607615216856911,"num_words":63,"start":900.035,"end":914.87},{"sentences":[{"text":"It's like the cement underneath that's holding the bricks together is suddenly let go.","start":915.41003,"end":918.85004,"sentiment":"neutral","sentiment_score":-0.10619033074804715},{"text":"So can I see if I can fix that without having to relay the whole driveway?","start":918.85004,"end":923.03,"sentiment":"neutral","sentiment_score":-0.07335054758004844},{"text":"Yeah.","start":926.28503,"end":926.60504,"sentiment":"neutral","sentiment_score":0.005930779501795769},{"text":"It would be a 100% better, but the other place looks amazing.","start":926.60504,"end":928.925,"sentiment":"neutral","sentiment_score":0.12839078033963838},{"text":"Everyone raves about it.","start":928.925,"end":930.305,"sentiment":"positive","sentiment_score":0.4003995582461357}],"sentiment":"neutral","sentiment_score":0.010381808187416259,"num_words":47,"start":915.41003,"end":930.305},{"sentences":[{"text":"So, yeah, it's not a good job.","start":931.405,"end":933.10504,"sentiment":"negative","sentiment_score":-0.43035718372889925},{"text":"Oh, it's it's so well set up because I can't hear my mom at all when she's here.","start":940.02,"end":945.78,"sentiment":"neutral","sentiment_score":0.0760699831880629},{"text":"And she comes through the front door, and I go through the garage.","start":945.78,"end":948.28,"sentiment":"neutral","sentiment_score":0.010758077152646504},{"text":"So we literally don't you know?","start":948.34,"end":950.34,"sentiment":"neutral","sentiment_score":-0.07754545224209626},{"text":"And for me to have somebody else here other than her, it would be absolutely fine.","start":950.34,"end":955.495,"sentiment":"neutral","sentiment_score":0.23138068290427327}],"sentiment":"neutral","sentiment_score":0.028890543788050612,"num_words":60,"start":931.405,"end":955.495},{"sentences":[{"text":"I mean, there's a yeah.","start":955.495,"end":957.175,"sentiment":"neutral","sentiment_score":0.29193927347660065},{"text":"You can literally cut cut it off and have two separate houses completely.","start":957.175,"end":960.875,"sentiment":"neutral","sentiment_score":0.2674171867278906},{"text":"And because I've ended up putting in a whole full kitchen for her, like, that she could even rent out a room herself.","start":961.175,"end":968.15497,"sentiment":"positive","sentiment_score":0.43519532874874445},{"text":"You know?","start":970.05,"end":970.44995,"sentiment":"neutral","sentiment_score":0.3267461359500885},{"text":"She's got a beautiful full kitchen with a dishwasher and stove and, you know, it's massive.","start":970.44995,"end":975.82996,"sentiment":"positive","sentiment_score":0.8161817789077759}],"sentiment":"positive","sentiment_score":0.48572903543205587,"num_words":59,"start":955.495,"end":975.82996},{"sentences":[{"text":"And a big lounge room, and she's got the biggest bedroom in the house.","start":976.61,"end":979.67,"sentiment":"neutral","sentiment_score":0.2195264303258487},{"text":"So and my back the back of the house, the back two bedrooms and bathroom, never been used.","start":979.73,"end":986.625,"sentiment":"neutral","sentiment_score":-0.14978260443442398},{"text":"I've had one person come stay once, and other than that, they're my kids' rooms have never been opened.","start":986.625,"end":990.385,"sentiment":"neutral","sentiment_score":-0.22196524668680995},{"text":"They don't get used at all.","start":990.385,"end":991.505,"sentiment":"negative","sentiment_score":-0.37086860338846844},{"text":"So that's why I'm like, do I really need this bigger house?","start":991.505,"end":994.38,"sentiment":"neutral","sentiment_score":-0.1922482748826345}],"sentiment":"neutral","sentiment_score":-0.12133691972796468,"num_words":69,"start":976.61,"end":994.38},{"sentences":[{"text":"Well, yeah, I'd like the secondary income.","start":1015.03503,"end":1017.115,"sentiment":"neutral","sentiment_score":0.08510835043021611},{"text":"So even when I say by myself, I still wanna be able to rent a granny side out, whether that means convert the garage or whatever, but that's a lot less cost than what I did here.","start":1017.115,"end":1027.77,"sentiment":"neutral","sentiment_score":0.14666819169714645},{"text":"But it also means I can go for a four bedroom house rather than a five.","start":1031.11,"end":1034.25,"sentiment":"neutral","sentiment_score":0.14968966925516725},{"text":"Yeah.","start":1038.775,"end":1039.095,"sentiment":"neutral","sentiment_score":0.007712885737419128},{"text":"It's not as much income, but yeah.","start":1039.095,"end":1041.275,"sentiment":"neutral","sentiment_score":-0.01356399485043117}],"sentiment":"neutral","sentiment_score":0.12250413493636776,"num_words":68,"start":1015.03503,"end":1041.275},{"sentences":[{"text":"Anyway, lots of options.","start":1041.335,"end":1042.635,"sentiment":"neutral","sentiment_score":0.1584259308874607},{"text":"I know.","start":1055.94,"end":1056.4199,"sentiment":"neutral","sentiment_score":-0.11774394661188126},{"text":"I honestly could have had it sold a bit quicker.","start":1056.4199,"end":1058.0199,"sentiment":"neutral","sentiment_score":-0.22054011300206183},{"text":"I'm just being a little bit motivated because I just gotta do things like gardening and stuff myself, and I'm like, oh, just being a bit slack.","start":1058.0199,"end":1064.9199,"sentiment":"neutral","sentiment_score":0.10753361287492293},{"text":"I know.","start":1067.515,"end":1067.9149,"sentiment":"neutral","sentiment_score":-0.004283868242055178}],"sentiment":"neutral","sentiment_score":0.024170100254317126,"num_words":45,"start":1041.335,"end":1067.9149},{"sentences":[{"text":"Because I'm like, well, we don't really have to worry about it too urgently, but I'm like, I should really get my finger out and get moving.","start":1067.9149,"end":1073.9149,"sentiment":"neutral","sentiment_score":0.08029967622348556},{"text":"So Yeah.","start":1073.9149,"end":1080.4,"sentiment":"neutral","sentiment_score":0.295846588909626},{"text":"It it looks good.","start":1080.4,"end":1081.94,"sentiment":"positive","sentiment_score":0.7640403658151627},{"text":"I'm pretty happy.","start":1082.0,"end":1082.64,"sentiment":"positive","sentiment_score":0.8651088078816732},{"text":"I'm pretty proud of it.","start":1082.64,"end":1083.86,"sentiment":"positive","sentiment_score":0.88143310546875}],"sentiment":"neutral","sentiment_score":0.312644825612263,"num_words":41,"start":1067.9149,"end":1083.86},{"sentences":[{"text":"Yeah.","start":1093.6,"end":1094.1,"sentiment":"positive","sentiment_score":0.4195979833602905},{"text":"Thank you.","start":1094.16,"end":1094.98,"sentiment":"positive","sentiment_score":0.5745569467544556},{"text":"Alright.","start":1095.685,"end":1096.0851,"sentiment":"neutral","sentiment_score":0.2119098603725433},{"text":"Well, do you you're just gonna email me through whatever I need to do, or do I just will it be a DocuSign?","start":1096.0851,"end":1102.905,"sentiment":"neutral","sentiment_score":0.10079450208855711},{"text":"Yeah.","start":1117.1699,"end":1117.49,"sentiment":"neutral","sentiment_score":0.16864478588104248}],"sentiment":"neutral","sentiment_score":0.1524121453985572,"num_words":28,"start":1093.6,"end":1117.49},{"sentences":[{"text":"Lovely.","start":1117.49,"end":1117.99,"sentiment":"positive","sentiment_score":0.33741629123687744},{"text":"Okay.","start":1118.2899,"end":1118.7899,"sentiment":"neutral","sentiment_score":0.25251269340515137},{"text":"Wonderful.","start":1118.9299,"end":1119.4299,"sentiment":"positive","sentiment_score":0.45694541931152344},{"text":"Yes.","start":1124.265,"end":1124.505,"sentiment":"neutral","sentiment_score":0.06612631678581238},{"text":"Because you're working from home today, aren't you?","start":1124.505,"end":1126.8451,"sentiment":"neutral","sentiment_score":0.04756036074832082}],"sentiment":"neutral","sentiment_score":0.12445696722716093,"num_words":12,"start":1117.49,"end":1126.8451},{"sentences":[{"text":"Oh, it's a great idea.","start":1133.865,"end":1135.005,"sentiment":"neutral","sentiment_score":0.24032868146896363},{"text":"Save save costs and let everyone have a bit of time in the office.","start":1135.26,"end":1138.9401,"sentiment":"neutral","sentiment_score":0.1891041887657983},{"text":"I think it's a wonderful idea.","start":1138.9401,"end":1140.14,"sentiment":"positive","sentiment_score":0.6503809889157613},{"text":"Yeah.","start":1140.14,"end":1140.64,"sentiment":"neutral","sentiment_score":0.24842187762260437},{"text":"Oh, nice.","start":1145.26,"end":1146.3201,"sentiment":"neutral","sentiment_score":0.1936672404408455}],"sentiment":"neutral","sentiment_score":0.29954086935945917,"num_words":28,"start":1133.865,"end":1146.3201},{"sentences":[{"text":"Yeah.","start":1150.115,"end":1150.435,"sentiment":"neutral","sentiment_score":0.06317546218633652},{"text":"That's the work life balance.","start":1150.435,"end":1154.135,"sentiment":"neutral","sentiment_score":0.1675327956676483},{"text":"Well, it's after 02:30.","start":1159.155,"end":1160.515,"sentiment":"neutral","sentiment_score":0.06365919508971274},{"text":"I better let you go get your kids.","start":1160.515,"end":1162.375,"sentiment":"neutral","sentiment_score":0.044702950399369},{"text":"Beautiful.","start":1173.1499,"end":1173.6499,"sentiment":"positive","sentiment_score":0.790273129940033}],"sentiment":"neutral","sentiment_score":0.12123015547465336,"num_words":19,"start":1150.115,"end":1173.6499},{"sentences":[{"text":"Alright.","start":1173.7899,"end":1174.19,"sentiment":"positive","sentiment_score":0.6667458415031433},{"text":"Thanks so much, Larissa.","start":1174.19,"end":1175.4099,"sentiment":"positive","sentiment_score":0.8508669137954712},{"text":"Okay.","start":1178.161,"end":1178.661,"sentiment":"neutral","sentiment_score":0.28488123416900635},{"text":"Bye.","start":1178.721,"end":1179.221,"sentiment":"neutral","sentiment_score":-0.11934904009103776}],"sentiment":"positive","sentiment_score":0.6051065272518567,"num_words":7,"start":1173.7899,"end":1179.221}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello. Karen speaking.\n\nChannel 0: Hi, Carrie. Larissa from O2 Financial. How are you going?\n\nChannel 1: I'm not too bad, Rosa. How are you going?\n\nChannel 0: It's good. I am so sorry about the screw up yesterday. I looked at yesterday's calendar thinking it was today's calendar, and I was like, 9AM is perfect. And then I double booked myself, and I've had nothing but Internet issues all day. Anyway,\n\nChannel 1: That's no problem at all.\n\nChannel 0: just just I'm living I'm living the dream today. I really am. Thank god. It's Friday. It's been\n\nChannel 1: Oh,\n\nChannel 0: a\n\nChannel 1: tell\n\nChannel 0: week.\n\nChannel 1: me about it. I I went on holidays last Friday. I went to go to Rockhampton for a few days to see some horse riding friends, and then I was supposed to fly out to Cairns on Monday to have court on Tuesday in Cairns and spend the rest of the week with my mom for her seventieth. And I ended up in hospital all week, so I only got discharged from Rockhampton Hospital yesterday and flew home today.\n\nChannel 0: Sugar, are you right?\n\nChannel 1: Oh, I I keep getting bowel obstructions just part\n\nChannel 0: Yeah.\n\nChannel 1: of the liver disease. Yep.\n\nChannel 0: Half of the course.\n\nChannel 1: Yes. But I had managed to court from the hospital room, so that was fun.\n\nChannel 0: That's I mean, yay for technology on your side.\n\nChannel 1: Yeah. But no. So I'm a bit the same. I'm like, oh, I'm behind the eight ball this\n\nChannel 0: No. It's okay. We we we we do it. Anyway,\n\nChannel 1: week.\n\nChannel 0: the reason I wanted to basically touch base with you and have a chat was, a, more than happy to do with the withdrawal. I'll get the documents out to you today. I just wanted to talk to you first because I've had a couple of chats with Zurich and your policy. You know how we went through and did the renewal for the the reinstatement for the life policy where, basically,\n\nChannel 1: Yes.\n\nChannel 0: it buy\n\nChannel 1: The bar\n\nChannel 0: buys\n\nChannel 1: that's\n\nChannel 0: back in? Yep. That's been completed, and that has gone through nicely. But we need to resubmit the documents even though we submitted\n\nChannel 1: shipped.\n\nChannel 0: them twelve months ago, but we need to resubmit the documents to transfer that policy over to the North account, and then we can close out that Macquarie account as well. So we can be done with the Macquarie saga,\n\nChannel 1: Beautiful. So\n\nChannel 0: which\n\nChannel 1: there's\n\nChannel 0: is good. And I\n\nChannel 1: how\n\nChannel 0: just\n\nChannel 1: much is\n\nChannel 0: didn't\n\nChannel 1: left in that Macquarie account?\n\nChannel 0: I didn't get a balance when I spoke to Macquarie, but it should be something around the $50,000 mark, but I can double\n\nChannel 1: Yeah.\n\nChannel 0: check with\n\nChannel 1: Around\n\nChannel 0: them.\n\nChannel 1: that anyway. Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: That's good. Because I'm aware that I'm gonna need a little bit more still. Luckily, my legal fees have come down quite a lot, but I'm also paying\n\nChannel 0: Yes.\n\nChannel 1: out the vehicle that I've been using. And I'm like, I'm\n\nChannel 0: Yes.\n\nChannel 1: I'm like, oh, why am I worried about that? I was like, Carrie, you've literally the house is almost on the market. And I'm like, the houses that I'm looking at buying are anywhere from 900 to, you know, 1.1. I'm like, so I've got plenty to reinvest again. I'm like, I just,\n\nChannel 0: Yeah.\n\nChannel 1: you know, you get it I\n\nChannel 0: What's\n\nChannel 1: get a\n\nChannel 0: your,\n\nChannel 1: little bit patted me.\n\nChannel 0: yeah, what's your sale price gonna be roughly to this house?\n\nChannel 1: Well, this is why I haven't decided yet if because I've done a bit more to it, obviously, with the last funds. And it's just a little bit more I can need to do or not do. Like, the driveway, it's like, do I redo the driveway? Just leave it as it is. I'm just waiting on a new real estate actually to give me his opinion because it's\n\nChannel 0: Yep.\n\nChannel 1: as it is at the moment, it's, like, 1.65. If I just finish a few more things off, which is the sort of biggest things, like, because they are, you know, doing in, like, a whole new driveway and, you know, removing some more bricks from out the back and relaying either tiles or pavers or something there. It would be closer to 1.7, 1.72.\n\nChannel 0: Okay. That's good. Alright.\n\nChannel 1: So it's\n\nChannel 0: And\n\nChannel 1: really good, and I've been looking at quite a few different properties because I don't need anything as big. And, literally, I can buy something similar that I that I want to exactly to do the same thing to renovate and turn it back over.\n\nChannel 0: Yep.\n\nChannel 1: And then I still have plenty to live on for the next few years plus also to put all back into my investments.\n\nChannel 0: Yeah. No. That's perfect.\n\nChannel 1: So I've done all\n\nChannel 0: Because\n\nChannel 1: the figures, and I'm just getting a little bit worried because I'm like, oh my god. What if I get down to only having, you know, a 100,000 in the bank?\n\nChannel 0: Yeah. A little bit.\n\nChannel 1: And that's okay.\n\nChannel 0: The stress.\n\nChannel 1: It's okay because the house is for sale, and it'll just\n\nChannel 0: Yeah.\n\nChannel 1: adjust what I buy and where I buy and all that sort of stuff because my idea is my insurance ends next year.\n\nChannel 0: Mhmm.\n\nChannel 1: Another, like, November, December next year.\n\nChannel 0: Yes. Yeah. You've got you've got, like, another eighteen months.\n\nChannel 1: Yeah. And I'll probably put allow, like, 200 to go back in to whatever I'm going to renovate, and that will cover everything from the stamp duty when I buy it. Like, you know, allowing that extra the extra fees, the extra everything.\n\nChannel 0: Yep.\n\nChannel 1: Because I think if I go on and only allow $1.50 to renovate, it can tend to undershoot it. So broad range, if I'm buying so it's 1.1, spending 1.2 max, that's spending 1.3, I'll have, you know, $3.50 to 400 to put back in, and I can draw out 50,000 a year to live on. And by then, I will\n\nChannel 0: Yeah.\n\nChannel 1: renovate it and turn it back over and sell it again and do the same thing. So\n\nChannel 0: Yeah.\n\nChannel 1: that's the plan.\n\nChannel 0: Good. No. That is absolutely okay. Because what\n\nChannel 1: But\n\nChannel 0: have\n\nChannel 1: once\n\nChannel 0: you\n\nChannel 1: this sells,\n\nChannel 0: what have we\n\nChannel 1: I\n\nChannel 0: really\n\nChannel 1: will\n\nChannel 0: put\n\nChannel 1: run\n\nChannel 0: into\n\nChannel 1: it by\n\nChannel 0: this\n\nChannel 1: you.\n\nChannel 0: property? Yeah. No. That that's absolutely okay. Yeah.\n\nAnd we can talk years on how we put the money in. But what have you what have you put into this property? Because we bought for\n\nChannel 1: $1.01 $6.05.\n\nChannel 0: one point o\n\nChannel 1: Pretty much,\n\nChannel 0: one\n\nChannel 1: it it's\n\nChannel 0: one\n\nChannel 1: it'll be\n\nChannel 0: one\n\nChannel 1: doing\n\nChannel 0: one.\n\nChannel 1: exactly what I've done with this property, which is exactly what I've done.\n\nChannel 0: Yep.\n\nChannel 1: Put\n\nChannel 0: Yeah.\n\nChannel 1: 200 in.\n\nChannel 0: So I bought $1.01 $6.05, and then, yeah, we put 200 in so far.\n\nChannel 1: Yep. I mean, some of that is legal fees and holidays and stuff like that. So it is you know, and I'm, like,\n\nChannel 0: Less\n\nChannel 1: I bought a\n\nChannel 0: than\n\nChannel 1: horse\n\nChannel 0: that.\n\nChannel 1: float, and I bought a 30 you know, I'm about to buy a $35,000 car. And I bought a trailer and things like that. But, yeah, the renovations were only about $1.50, but then I'm broad ranging it going well. I've added a bit more, and I've got more, and I've done more outside now. So 200.\n\nChannel 0: That's cool. No. That's really good. So, realistically,\n\nChannel 1: That's weird. So it's a\n\nChannel 0: it\n\nChannel 1: really\n\nChannel 0: cost\n\nChannel 1: good\n\nChannel 0: you\n\nChannel 1: return.\n\nChannel 0: one point yeah. It cost cost you 1.365. And if we can walk away with that 1.7, you've been in it for\n\nChannel 1: Not even twelve months.\n\nChannel 0: not even twelve months.\n\nChannel 1: That's for me. And I'll do exactly the same thing again because I've got the same\n\nChannel 0: Yeah.\n\nChannel 1: all the same trades lined up. I'm actually even got some better, and I'll put you through exactly what I've done again. This was a very old house. This is a big task too because it was five bedroom, three bathroom.\n\nChannel 0: Yeah.\n\nChannel 1: I'm looking for something a bit smaller because I possibly will not have mom with with me.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. But I also like to think that I could rent out. So I'm I'm still looking to think that I could have a granny flat if possible to rent out for additional income.\n\nChannel 0: Yeah. Is mom going okay? Or\n\nChannel 1: No. No. She's going really well. Unfortunately, my godmother is dying, and her husband is dying. Mom spent every week up there for a few days.\n\nSo I'm at the point\n\nChannel 0: Yes.\n\nChannel 1: where I'm like, well, mom, you know, I could rent a buy the house for a lot less, you know, and buy you a caravan to put on their front lawn instead. You know?\n\nChannel 0: Yeah.\n\nChannel 1: I'm like, instead of buying a house suitable for that, I'm like, oh, we get your government housing or you could just move in with them because they're on the side of Cleandro. So she's up there every week.\n\nChannel 0: Yeah. That's a big brush.\n\nChannel 1: Yeah. And I also said to her, I also need the income because I was thinking I would go back to work, and now I'm like, why am I going back to work just to support mom? If I can work it so that I can get some income plus have mom, then that works well.\n\nChannel 0: But yeah. No. The half flipping is absolutely fine. So\n\nChannel 1: Yeah.\n\nChannel 0: we can\n\nChannel 1: Well,\n\nChannel 0: we can\n\nChannel 1: I mean,\n\nChannel 0: definitely\n\nChannel 1: if I\n\nChannel 0: talk\n\nChannel 1: stayed\n\nChannel 0: about\n\nChannel 1: in\n\nChannel 0: that\n\nChannel 1: the house\n\nChannel 0: once we\n\nChannel 1: I'm in,\n\nChannel 0: get it solidified.\n\nChannel 1: the room yeah. If I stayed in the house I'm in, I could get 800 a week for the granny side of the front because it's a separate two bedroom house\n\nChannel 0: Yeah.\n\nChannel 1: with its own lounge room and kitchen and en suite and everything. So the real estate were like, no. We could easily\n\nChannel 0: We\n\nChannel 1: rent this for 800. So if I could do something like that\n\nChannel 0: which\n\nChannel 1: at the next place\n\nChannel 0: yeah. Renovate it and then, yeah, keep it smaller. You're you're in one section of the granny flat and another that gives you the income.\n\nChannel 1: yeah. Or if I\n\nChannel 0: I\n\nChannel 1: could do\n\nChannel 0: mean,\n\nChannel 1: this exactly\n\nChannel 0: realistically\n\nChannel 1: again, this would be ideal.\n\nChannel 0: yeah.\n\nChannel 1: But,\n\nChannel 0: Yeah.\n\nChannel 1: anyway, I've got a lot\n\nChannel 0: That just\n\nChannel 1: of options.\n\nChannel 0: gives you that that money.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. I mean, 800 a week, $50.50, you know, fifty two weeks is 40 something thousand, 40 just, like, $42,000, something like that.\n\nChannel 1: I know. And that's why I'm like, do I even sell this? And it's more just because I've been using this money for the legal fees, and it will be over by early\n\nChannel 0: Yeah.\n\nChannel 1: next year. I'm like, I think I\n\nChannel 0: Just\n\nChannel 1: have\n\nChannel 0: wanna\n\nChannel 1: to sell\n\nChannel 0: replenish\n\nChannel 1: to\n\nChannel 0: it.\n\nChannel 1: get that investment\n\nChannel 0: Yeah.\n\nChannel 1: there in\n\nChannel 0: To\n\nChannel 1: the\n\nChannel 0: replenish\n\nChannel 1: next one.\n\nChannel 0: it.\n\nChannel 1: And if I don't have to sell, then I can keep it.\n\nChannel 0: Yeah.\n\nChannel 1: But yeah.\n\nChannel 0: Definitely. Like, I think we've we've we've dug in a little bit deeper into the into the initial investment pool than what\n\nChannel 1: Well,\n\nChannel 0: we\n\nChannel 1: we\n\nChannel 0: had\n\nChannel 1: weren't\n\nChannel 0: originally planned to, which is okay.\n\nChannel 1: we we yeah. And we weren't I wasn't expecting the legal thing, but it's gone really well. I had caught this week. So this is the first bit of hope that I actually might have my kids back next year.\n\nChannel 0: That's good. That's really\n\nChannel 1: Yeah.\n\nChannel 0: good.\n\nChannel 1: It\n\nChannel 0: I was\n\nChannel 1: is really\n\nChannel 0: gonna\n\nChannel 1: good,\n\nChannel 0: ask\n\nChannel 1: actually.\n\nChannel 0: whether quote went went well.\n\nChannel 1: Yeah. And their lawyers have adjusted their costs. So instead of the $1.50 for the trial, it's come down quite a bit. And we're already, like, a third of the way there.\n\nChannel 0: Good.\n\nChannel 1: So but it means I will probably need some more each year if I haven't sold the house in time, which is fine. I've got\n\nChannel 0: Yeah.\n\nChannel 1: the funds there for that. It's more just getting the house\n\nChannel 0: That's\n\nChannel 1: sold,\n\nChannel 0: it.\n\nChannel 1: so I don't have to worry about it.\n\nChannel 0: Can it get you kids back?\n\nChannel 1: And I get to get my kids back. And in September, we'll know more. And if I don't, well, then no. I don't spend any more money on the lawyers. So but now it's something quite positive.\n\nChannel 0: Good. That\n\nChannel 1: Yeah.\n\nChannel 0: that makes me happy. I'm very happy.\n\nChannel 1: Yes. But so the 50 that I need, at the moment, I'm pretty\n\nChannel 0: Mhmm.\n\nChannel 1: good. I've got I still got a few of the money in the bank, which I've set aside for the lawyers at the moment,\n\nChannel 0: Yep.\n\nChannel 1: which is covering where we are up until September. But the vehicle I'm driving, that's 35, and\n\nChannel 0: Yep.\n\nChannel 1: I wanna pay that out. And then I just need a little bit extra for around the house, and then it's ready to sell. But that's\n\nChannel 0: Yeah. Absolutely.\n\nChannel 1: fine. That's only if I don't do the driveway. I do the driveway, it's gonna cost more. But I'm still messing around with the idea anyway. But yeah.\n\nIt could be another 50 that I'll need for the lawyers if we\n\nChannel 0: Okay.\n\nChannel 1: go to trial\n\nChannel 0: Yeah.\n\nChannel 1: if we\n\nChannel 0: It's\n\nChannel 1: go\n\nChannel 0: a good\n\nChannel 1: to\n\nChannel 0: trial.\n\nChannel 1: trial.\n\nChannel 0: Okay. No.\n\nChannel 1: And\n\nChannel 0: That's\n\nChannel 1: that\n\nChannel 0: fine. Alright.\n\nChannel 1: won't be\n\nChannel 0: Well\n\nChannel 1: until early next year.\n\nChannel 0: yeah. I was gonna say that's that's a that's a later look. Alright. Well, what I'll do now is I'll put all the documents there, and I'll send them through to you so we can do the I just wanna confirm it is 50 that\n\nChannel 1: Well,\n\nChannel 0: you\n\nChannel 1: I'm just\n\nChannel 0: wanna\n\nChannel 1: it\n\nChannel 0: pull\n\nChannel 1: might\n\nChannel 0: now.\n\nChannel 1: well, just going with what we've got now. So what we've got now is there's a 170 in there. Is that right?\n\nChannel 0: Yes.\n\nChannel 1: Yep. So 50 now, it really doesn't get me anywhere further with the lawyers. If there's if there's any more after September, that doesn't cover me.\n\nChannel 0: Yes.\n\nChannel 1: But it covers me with the house and buying the car.\n\nChannel 0: Yes.\n\nChannel 1: So that's fine, which then gives us one twenty, and then we're getting 50. So it's basically we're back to $1.70 again.\n\nChannel 0: Yeah.\n\nChannel 1: So worst case, if I need another 50, we're still well over the 100 left in there as a safeguard.\n\nChannel 0: Absolutely.\n\nChannel 1: Yep.\n\nChannel 0: No. That's that's fine. Cool. So 50 now, and I will pop all the documents to transfer the Zurich policy over, paid out of the North account, and closed down the Macquarie.\n\nChannel 1: Yes. And then, yes, I'll possibly need a little bit more just to get me through the September hearing.\n\nChannel 0: Yeah. And\n\nChannel 1: That's all\n\nChannel 0: and you can, yeah, you can just we can touch base in August once we know exactly what September looks like because that's that's still four months or three months away.\n\nChannel 1: my quest it's a it's a little bit away. Yeah.\n\nChannel 0: Yeah. So we just we'll leave the money in the out for now and then\n\nChannel 1: That's what\n\nChannel 0: August,\n\nChannel 1: I thought.\n\nChannel 0: September.\n\nChannel 1: I thought it doesn't take much for me to call and ask for more, so that's\n\nChannel 0: Yeah.\n\nChannel 1: fine.\n\nChannel 0: No. No. Not at all. So, yeah, nice and easy. We can just pull that money out at that point, and the money hits pretty quickly, providing I actually submit it when you email and not four days later.\n\nChannel 1: Yeah. That's why before I buy another house, I'll talk some strategies with you because I'm gonna just rent in the meantime or Airbnb it or something. Because then\n\nChannel 0: Yep.\n\nChannel 1: a part of me almost also also goes, well, do I buy something quite a lot smaller, like a townhouse? It's not so much I've got ideas anyway, and then just\n\nChannel 0: Yes.\n\nChannel 1: keep, you know, like, $7,800,000 in investments. Because if we're doing $10.10 a year, roughly, $7.07 percent a year, that's a really good income for me without having to rely on buying and selling, buying and selling. So I'll run it by you before I do anymore.\n\nChannel 0: Yeah. Yeah. Yeah. Well, we need to see what profit we we do get out of the house first, exactly what we sell for.\n\nChannel 1: Yes.\n\nChannel 0: And then, yeah, we talk a little bit more strategy based.\n\nChannel 1: Yep. Always. But, you know, the the house has been a great investment. So\n\nChannel 0: You did well. You did really well.\n\nChannel 1: yeah. I mean, even if it was only half of what I've got out of it, it's still really good money. I honestly didn't think it'd be about 300,000 in a year. That's pretty good.\n\nChannel 0: Not even a year. Like, well, you bought it\n\nChannel 1: Yeah.\n\nChannel 0: in December?\n\nChannel 1: Yeah. Oh, no. It was oh, no. It was actually it's almost been a year. We moved in in September.\n\nSo\n\nChannel 0: Oh, fair enough. Has time gone that quickly?\n\nChannel 1: yeah.\n\nChannel 0: I love that\n\nChannel 1: It has\n\nChannel 0: for us. Really? Wow.\n\nChannel 1: yeah. I know. And it's only this recent bit of rain, which has made my driveway completely separate. And I was like, why? Like, you were fine.\n\nYou know what? Didn't have to do it, but, like, doing the driveway alone, that'll be another 15,000 just to redo that.\n\nChannel 0: Absolutely.\n\nChannel 1: Oh my god. You're\n\nChannel 0: Absolutely\n\nChannel 1: paying an asshole\n\nChannel 0: will.\n\nChannel 1: thing. So I was just trying to see if I could fix it and get away with it because, like, literally, all the bricks have separated. It's like a a foot gap down the middle of the driveway now. And I only saw it when I got home from being away, and I was like, why? It's like the\n\nChannel 0: Oh,\n\nChannel 1: cement underneath\n\nChannel 0: no.\n\nChannel 1: that's holding the bricks together is suddenly let go. So can I see if I\n\nChannel 0: Of\n\nChannel 1: can\n\nChannel 0: course.\n\nChannel 1: fix that without having to relay the whole driveway?\n\nChannel 0: That would be better.\n\nChannel 1: Yeah. It would be a 100% better, but the other place looks amazing. Everyone raves about it. So, yeah, it's not a good job.\n\nChannel 0: So and I do love that it does have, like, the two different dwellings. Like, it's it's\n\nChannel 1: Oh,\n\nChannel 0: one house,\n\nChannel 1: it's\n\nChannel 0: but it you know?\n\nChannel 1: it's so well set up because I can't hear my mom at all when she's here. And she comes through the front door, and I go through the garage. So we literally don't\n\nChannel 0: Yeah.\n\nChannel 1: you know? And for me to have somebody else here other than her, it would be absolutely fine. I mean, there's a yeah. You can literally cut cut it off and have two separate houses completely. And because I've ended\n\nChannel 0: Yes.\n\nChannel 1: up putting in a whole full kitchen for her, like, that she could even rent out a room herself. You know? She's got a beautiful full kitchen with a dishwasher and stove and, you know, it's massive. And\n\nChannel 0: Yeah.\n\nChannel 1: a big lounge room, and she's got the biggest bedroom in the house. So\n\nChannel 0: Like\n\nChannel 1: and\n\nChannel 0: yeah.\n\nChannel 1: my back the back of the house, the back two bedrooms and bathroom, never been used. I've had one person come stay once, and other than that, they're my kids' rooms have never been opened. They don't get used at all. So that's why I'm like, do I really need this bigger house?\n\nChannel 0: Yeah. Just too big, but at the same time, like, if we can flip it and get the money back and downsize. And that's just a question as to me exactly as they're sort of saying whether we go small and stay small for you just yourself or whether we buy slightly bigger,\n\nChannel 1: Well, yeah,\n\nChannel 0: flip it\n\nChannel 1: I'd\n\nChannel 0: again,\n\nChannel 1: like the\n\nChannel 0: or\n\nChannel 1: secondary\n\nChannel 0: income\n\nChannel 1: income.\n\nChannel 0: straight.\n\nChannel 1: So even when I say\n\nChannel 0: Yeah.\n\nChannel 1: by myself, I still wanna be able to rent a granny\n\nChannel 0: Dual\n\nChannel 1: side out,\n\nChannel 0: living\n\nChannel 1: whether\n\nChannel 0: type\n\nChannel 1: that\n\nChannel 0: of thing.\n\nChannel 1: means\n\nChannel 0: Yeah.\n\nChannel 1: convert the garage or whatever, but that's a lot less cost than what I did here.\n\nChannel 0: Yes. Yeah.\n\nChannel 1: But it also means I can go for a four bedroom house rather than a five.\n\nChannel 0: Yeah. Something slightly bit slightly smaller.\n\nChannel 1: Yeah. It's not as much income, but yeah. Anyway, lots of options.\n\nChannel 0: Yeah, no. And that and we we talk towards the end of the year once things fell and see what September brings with the court case and and go from there.\n\nChannel 1: I know. I honestly could have had it sold a bit quicker. I'm just being a little bit motivated because I just gotta do things like gardening and stuff myself, and I'm like, oh, just being a bit slack. I know.\n\nChannel 0: Not\n\nChannel 1: Because\n\nChannel 0: slack,\n\nChannel 1: I'm like, well,\n\nChannel 0: but\n\nChannel 1: we don't really have to worry about it too urgently, but I'm like, I should really get my finger out and get moving. So\n\nChannel 0: oh, but I can't wait to see the photos go up.\n\nChannel 1: Yeah. It it looks good. I'm pretty happy. I'm pretty proud of it.\n\nChannel 0: You should be. Anything that you've done will will it'll be awesome. I can't wait to see what it looks like, how you transformed it.\n\nChannel 1: Yeah. Thank you. Alright. Well, do\n\nChannel 0: Very\n\nChannel 1: you\n\nChannel 0: excited.\n\nChannel 1: you're just gonna email me through whatever I need to do, or do I\n\nChannel 0: Sign.\n\nChannel 1: just will\n\nChannel 0: Yep.\n\nChannel 1: it be a DocuSign?\n\nChannel 0: I will just yeah. It'll just be it'll just be electronically signed, everything. So I just I'll just I'll do up the withdrawal documents and package them up as well and and get them through to you with everything else.\n\nChannel 1: Yeah. Lovely. Okay. Wonderful.\n\nChannel 0: Providing my Internet plays the game, or my laptop's gonna end up through the wall? Here's\n\nChannel 1: Yes.\n\nChannel 0: right away.\n\nChannel 1: Because you're working from home today, aren't you?\n\nChannel 0: Yeah. Yeah. We closed closed the office on Thursday, Fridays to just\n\nChannel 1: Oh, it's\n\nChannel 0: stop\n\nChannel 1: a great idea.\n\nChannel 0: our staff having\n\nChannel 1: Save\n\nChannel 0: to\n\nChannel 1: save\n\nChannel 0: to do the travel\n\nChannel 1: costs\n\nChannel 0: all the\n\nChannel 1: and\n\nChannel 0: time.\n\nChannel 1: let\n\nChannel 0: And,\n\nChannel 1: everyone have a bit of time\n\nChannel 0: yeah,\n\nChannel 1: in the office. I think it's a wonderful idea. Yeah.\n\nChannel 0: yeah, it's been good. I I walk my kids to school and because\n\nChannel 1: Oh,\n\nChannel 0: on Fridays,\n\nChannel 1: nice.\n\nChannel 0: we finish it, yeah, we finish at 02:30 on a Friday. So I\n\nChannel 1: Yeah.\n\nChannel 0: walk down\n\nChannel 1: That's\n\nChannel 0: and\n\nChannel 1: the\n\nChannel 0: pick my kids up and\n\nChannel 1: work life\n\nChannel 0: because\n\nChannel 1: balance.\n\nChannel 0: I'm I'm yeah. The the work life balance hits really nicely. So\n\nChannel 1: Well,\n\nChannel 0: and\n\nChannel 1: it's\n\nChannel 0: because\n\nChannel 1: after\n\nChannel 0: I generally\n\nChannel 1: 02:30.\n\nChannel 0: pull\n\nChannel 1: I\n\nChannel 0: 70\n\nChannel 1: better let\n\nChannel 0: hour\n\nChannel 1: you\n\nChannel 0: weeks.\n\nChannel 1: go get your kids.\n\nChannel 0: No. That's okay. They're literally down the road. It takes me two minutes to walk down there, but I'll I'll get the documents out to you, and and then we'll go from there.\n\nChannel 1: Beautiful. Alright. Thanks so much, Larissa.\n\nChannel 0: No stress. Thanks, Gary. Bye.\n\nChannel 1: Okay. Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":0.79999995,"end":1.1999999,"sentiment":"neutral","sentiment_score":0.028808660805225372},{"text":"Karen speaking.","start":1.1999999,"end":2.02,"sentiment":"neutral","sentiment_score":0.024548607878386974}],"sentiment":"neutral","sentiment_score":0.02596862552066644,"channel":1,"num_words":3,"start":0.79999995,"end":2.02},{"sentences":[{"text":"Hi, Carrie.","start":2.6399999,"end":3.6,"sentiment":"neutral","sentiment_score":0.1400299072265625},{"text":"Larissa from O2 Financial.","start":3.6,"end":5.04,"sentiment":"neutral","sentiment_score":0.1558469831943512},{"text":"How are you going?","start":5.04,"end":5.94,"sentiment":"neutral","sentiment_score":0.22698170319199562}],"sentiment":"neutral","sentiment_score":0.18113745599985123,"channel":0,"num_words":10,"start":2.6399999,"end":5.94},{"sentences":[{"text":"I'm not too bad, Rosa.","start":6.3999996,"end":7.7599998,"sentiment":"neutral","sentiment_score":0.3189546287059784},{"text":"How are you going?","start":7.7599998,"end":8.58,"sentiment":"neutral","sentiment_score":0.3010891042649746}],"sentiment":"neutral","sentiment_score":0.3110143956210878,"channel":1,"num_words":9,"start":6.3999996,"end":8.58},{"sentences":[{"text":"It's good.","start":8.639999,"end":9.28,"sentiment":"positive","sentiment_score":0.6268654465675354},{"text":"I am so sorry about the screw up yesterday.","start":9.28,"end":11.46,"sentiment":"neutral","sentiment_score":-0.29337315758069354},{"text":"I looked at yesterday's calendar thinking it was today's calendar, and I was like, 9AM is perfect.","start":11.679999,"end":17.645,"sentiment":"neutral","sentiment_score":-0.04115273167981821},{"text":"And then I double booked myself, and I've had nothing but Internet issues all day.","start":17.705,"end":21.805,"sentiment":"neutral","sentiment_score":-0.19255741586287817},{"text":"Anyway,","start":21.945,"end":22.445,"sentiment":"neutral","sentiment_score":0.06952350586652756}],"sentiment":"neutral","sentiment_score":-0.11147867490283468,"channel":0,"num_words":44,"start":8.639999,"end":22.445},{"sentences":[{"text":"That's no problem at all.","start":21.965,"end":24.225,"sentiment":"positive","sentiment_score":0.4066123962402344}],"sentiment":"positive","sentiment_score":0.4066123962402344,"channel":1,"num_words":5,"start":21.965,"end":24.225},{"sentences":[{"text":"just just I'm living I'm living the dream today.","start":25.0,"end":27.48,"sentiment":"positive","sentiment_score":0.5752709971533881},{"text":"I really am.","start":27.48,"end":28.380001,"sentiment":"positive","sentiment_score":0.4643886089324951},{"text":"Thank god.","start":28.44,"end":28.84,"sentiment":"positive","sentiment_score":0.4029681533575058},{"text":"It's Friday.","start":28.84,"end":29.58,"sentiment":"neutral","sentiment_score":0.12647145986557007},{"text":"It's been","start":29.68,"end":30.6,"sentiment":"neutral","sentiment_score":0.02821393311023712}],"sentiment":"positive","sentiment_score":0.42699510521358913,"channel":0,"num_words":18,"start":25.0,"end":30.6},{"sentences":[{"text":"Oh,","start":30.46,"end":30.619999,"sentiment":"neutral","sentiment_score":0.02814275398850441}],"sentiment":"neutral","sentiment_score":0.02814275398850441,"channel":1,"num_words":1,"start":30.46,"end":30.619999},{"sentences":[{"text":"a","start":30.6,"end":30.68,"sentiment":"neutral","sentiment_score":0.005996782332658768}],"sentiment":"neutral","sentiment_score":0.005996782332658768,"channel":0,"num_words":1,"start":30.6,"end":30.68},{"sentences":[{"text":"tell","start":30.619999,"end":30.779999,"sentiment":"neutral","sentiment_score":-0.00183970108628273}],"sentiment":"neutral","sentiment_score":-0.00183970108628273,"channel":1,"num_words":1,"start":30.619999,"end":30.779999},{"sentences":[{"text":"week.","start":30.68,"end":31.18,"sentiment":"neutral","sentiment_score":0.014247534796595572}],"sentiment":"neutral","sentiment_score":0.014247534796595572,"channel":0,"num_words":1,"start":30.68,"end":31.18},{"sentences":[{"text":"me about it.","start":30.779999,"end":31.26,"sentiment":"neutral","sentiment_score":0.018608860671520233},{"text":"I I went on holidays last Friday.","start":31.26,"end":33.9,"sentiment":"neutral","sentiment_score":0.02250370755791664},{"text":"I went to go to Rockhampton for a few days to see some horse riding friends, and then I was supposed to fly out to Cairns on Monday to have court on Tuesday in Cairns and spend the rest of the week with my mom for her seventieth.","start":33.9,"end":48.635002,"sentiment":"neutral","sentiment_score":0.05188511420662204},{"text":"And I ended up in hospital all week, so I only got discharged from Rockhampton Hospital yesterday and flew home today.","start":48.635002,"end":55.37,"sentiment":"neutral","sentiment_score":-0.11799955651873634}],"sentiment":"neutral","sentiment_score":0.002858826961321167,"channel":1,"num_words":79,"start":30.779999,"end":55.37},{"sentences":[{"text":"Sugar, are you right?","start":56.39,"end":57.690002,"sentiment":"neutral","sentiment_score":-0.03123969119042158}],"sentiment":"neutral","sentiment_score":-0.03123969119042158,"channel":0,"num_words":4,"start":56.39,"end":57.690002},{"sentences":[{"text":"Oh, I I keep getting bowel obstructions just part","start":57.989998,"end":60.79,"sentiment":"neutral","sentiment_score":-0.25252118706703186}],"sentiment":"neutral","sentiment_score":-0.25252118706703186,"channel":1,"num_words":9,"start":57.989998,"end":60.79},{"sentences":[{"text":"Yeah.","start":60.63,"end":61.13,"sentiment":"neutral","sentiment_score":-0.11713950335979462}],"sentiment":"neutral","sentiment_score":-0.11713950335979462,"channel":0,"num_words":1,"start":60.63,"end":61.13},{"sentences":[{"text":"of the liver disease.","start":60.79,"end":62.01,"sentiment":"neutral","sentiment_score":-0.12418603152036667},{"text":"Yep.","start":62.309998,"end":62.809998,"sentiment":"neutral","sentiment_score":-0.0048948489129543304}],"sentiment":"neutral","sentiment_score":-0.1003277949988842,"channel":1,"num_words":5,"start":60.79,"end":62.809998},{"sentences":[{"text":"Half of the course.","start":62.905,"end":64.045,"sentiment":"neutral","sentiment_score":-0.005225189961493015}],"sentiment":"neutral","sentiment_score":-0.005225189961493015,"channel":0,"num_words":4,"start":62.905,"end":64.045},{"sentences":[{"text":"Yes.","start":64.385,"end":64.865,"sentiment":"neutral","sentiment_score":0.03210067376494408},{"text":"But I had managed to court from the hospital room, so that was fun.","start":64.865,"end":68.085,"sentiment":"neutral","sentiment_score":0.10046154367072242}],"sentiment":"neutral","sentiment_score":0.09590415234367053,"channel":1,"num_words":15,"start":64.385,"end":68.085},{"sentences":[{"text":"That's I mean, yay for technology on your side.","start":68.425,"end":71.805,"sentiment":"neutral","sentiment_score":0.15470730596118504}],"sentiment":"neutral","sentiment_score":0.15470730596118504,"channel":0,"num_words":9,"start":68.425,"end":71.805},{"sentences":[{"text":"Yeah.","start":72.385,"end":72.785,"sentiment":"neutral","sentiment_score":0.0032948721200227737},{"text":"But no.","start":72.785,"end":73.185,"sentiment":"neutral","sentiment_score":-0.05214916542172432},{"text":"So I'm a bit the same.","start":73.185,"end":74.065,"sentiment":"neutral","sentiment_score":-0.09469847815732162},{"text":"I'm like, oh, I'm behind the eight ball this","start":74.065,"end":76.79,"sentiment":"neutral","sentiment_score":-0.0746851662794749}],"sentiment":"neutral","sentiment_score":-0.07452004578792387,"channel":1,"num_words":18,"start":72.385,"end":76.79},{"sentences":[{"text":"No.","start":77.96,"end":78.46,"sentiment":"neutral","sentiment_score":-0.09729304909706116},{"text":"It's okay.","start":78.68,"end":79.24,"sentiment":"neutral","sentiment_score":-0.028626464307308197},{"text":"We we we we do it.","start":79.24,"end":80.86,"sentiment":"neutral","sentiment_score":0.018776859777669113},{"text":"Anyway,","start":81.4,"end":81.9,"sentiment":"neutral","sentiment_score":0.05012126639485359}],"sentiment":"neutral","sentiment_score":0.0008236447349190712,"channel":0,"num_words":10,"start":77.96,"end":81.9},{"sentences":[{"text":"week.","start":82.2975,"end":82.7975,"sentiment":"neutral","sentiment_score":0.06635762751102448}],"sentiment":"neutral","sentiment_score":0.06635762751102448,"channel":1,"num_words":1,"start":82.2975,"end":82.7975},{"sentences":[{"text":"the reason I wanted to basically touch base with you and have a chat was, a, more than happy to do with the withdrawal.","start":82.6,"end":91.165,"sentiment":"neutral","sentiment_score":0.22401100614418587},{"text":"I'll get the documents out to you today.","start":91.625,"end":93.725006,"sentiment":"neutral","sentiment_score":0.19531401619315147},{"text":"I just wanted to talk to you first because I've had a couple of 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They also discuss their desire to renovate their property and rent a house for an additional income. The customer mentions their plans to rent a flat and possibly get their children back, and discusses their income and retirement goals. The agent provides information on their income and sends them instructions for their investment strategy. They also discuss their work schedule and the possibility of getting their children to work."},"intents":{"segments":[{"text":"But we need to resubmit the documents even though we submitted shipped. them twelve months ago, but we need to resubmit the documents to transfer that policy over to the North account, and then we can close out that Macquarie account as well.","start_word":340,"end_word":382,"intents":[{"intent":"Resubmit documents","confidence_score":0.48841047},{"intent":"Close out macquarie account","confidence_score":0.2338028}]},{"text":"yeah, what's your sale price gonna be roughly to this house?","start_word":550,"end_word":560,"intents":[{"intent":"Determine selling price","confidence_score":0.0024003075},{"intent":"Determine house price","confidence_score":0.3335715}]},{"text":"Like, the driveway, it's like, do I redo the driveway? 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But what have you what have you put into this property?","start_word":1035,"end_word":1057,"intents":[{"intent":"Discuss investment","confidence_score":0.082079485},{"intent":"Discuss investment","confidence_score":0.20026004}]},{"text":"Because we bought for $1.01 $6.05. one point o Pretty much, one it it's one it'll be one doing one. exactly what I've done with this property, which is exactly what I've done. Yep. Put Yeah. 200 in. So I bought $1.01 $6.05, and then, yeah, we put 200 in so far. Yep.","start_word":1058,"end_word":1110,"intents":[{"intent":"Discuss purchase","confidence_score":0.040413406}]},{"text":"I mean, some of that is legal fees and holidays and stuff like that.","start_word":1111,"end_word":1124,"intents":[{"intent":"Discuss legal fees","confidence_score":0.3385903}]},{"text":"So it's a it really cost good you return. one point yeah.","start_word":1207,"end_word":1218,"intents":[{"intent":"Assess cost return","confidence_score":0.0009457741}]},{"text":"I'm looking for something a bit smaller because I possibly will not have mom with with me. Yeah.","start_word":1306,"end_word":1323,"intents":[{"intent":"Stay smaller","confidence_score":0.0014662902}]},{"text":"So I'm I'm still looking to think that I could have a granny flat if possible to rent out for additional income. Yeah.","start_word":1335,"end_word":1357,"intents":[{"intent":"Rent granny flat","confidence_score":0.26258013}]},{"text":"And I also said to her, I also need the income because I was thinking I would go back to work, and now I'm like, why am I going back to work just to support mom? If I can work it so that I can get some income plus have mom, then that works well. But yeah.","start_word":1475,"end_word":1531,"intents":[{"intent":"Gather income","confidence_score":0.002323933},{"intent":"Support mom","confidence_score":0.7376766}]},{"text":"Renovate it and then, yeah, keep it smaller. You're you're in one section of the granny flat and another that gives you the income. yeah.","start_word":1638,"end_word":1662,"intents":[{"intent":"Resnovate house","confidence_score":0.008003915}]},{"text":"I've got I still got a few of the money in the bank, which I've set aside for the lawyers at the moment, Yep. which is covering where we are up until September. But the vehicle I'm driving, that's 35, and Yep. I wanna pay that out. And then I just need a little bit extra for around the house, and then it's ready to sell. But that's Yeah.","start_word":2037,"end_word":2105,"intents":[{"intent":"Request additional funds for legal expenses","confidence_score":0.0000017594091}]},{"text":"So worst case, if I need another 50, we're still well over the 100 left in there as a safeguard. Absolutely.","start_word":2316,"end_word":2336,"intents":[{"intent":"Secure policy funds","confidence_score":0.000040218805}]},{"text":"But, you know, the the house has been a great investment. So You did well.","start_word":2658,"end_word":2672,"intents":[{"intent":"Clarify house experience","confidence_score":0.00076614507}]},{"text":"by myself, I still wanna be able to rent a granny Dual side out, living whether type that of thing. means Yeah.","start_word":3221,"end_word":3242,"intents":[{"intent":"Specify rent options","confidence_score":0.0000038465805}]},{"text":"convert the garage or whatever, but that's a lot less cost than what I did here. Yes. Yeah.","start_word":3243,"end_word":3260,"intents":[{"intent":"Reduce cost","confidence_score":0.0028001238}]},{"text":"I'm just being a little bit motivated because I just gotta do things like gardening and stuff myself, and I'm like, oh, just being a bit slack. I Not know.","start_word":3339,"end_word":3368,"intents":[{"intent":"Manage tasks","confidence_score":0.0832408}]},{"text":"Thanks so much, Larissa. No stress. Thanks, Gary. Bye. Okay. Bye.","start_word":3713,"end_word":3723,"intents":[{"intent":"Personal details","confidence_score":5.224197e-7}]}]},"sentiments":{"segments":[{"text":"Hello. Karen speaking. Hi, Carrie. Larissa from O2 Financial. How are you going? I'm not too bad, Rosa. How are you going?","start_word":0,"end_word":21,"sentiment":"neutral","sentiment_score":0.20799626410007477},{"text":"It's good.","start_word":22,"end_word":23,"sentiment":"positive","sentiment_score":0.6303790807723999},{"text":"I am so sorry about the screw up yesterday. I looked at yesterday's calendar thinking it was today's calendar, and I was like, 9AM is perfect. And then I double booked myself, and I've had nothing but Internet issues all day. Anyway, That's no problem at all.","start_word":24,"end_word":70,"sentiment":"neutral","sentiment_score":-0.06709832698106766},{"text":"just just I'm living I'm living the dream today. I really am. Thank god.","start_word":71,"end_word":84,"sentiment":"positive","sentiment_score":0.5307829976081848},{"text":"It's Friday. It's been Oh, a tell week. me about it. I I went on holidays last Friday. I went to go to Rockhampton for a few days to see some horse riding friends, and then I was supposed to fly out to Cairns on Monday to have court on Tuesday in Cairns and spend the rest of the week with my mom for her seventieth. And I ended up in hospital all week, so I only got discharged from Rockhampton Hospital yesterday and flew home today. Sugar, are you right? Oh, I I keep getting bowel obstructions just part Yeah. of the liver disease. Yep. Half of the course. Yes. But I had managed to court from the hospital room, so that was fun. That's I mean, yay for technology on your side. Yeah. But no. So I'm a bit the same. I'm like, oh, I'm behind the eight ball this No. It's okay. We we we we do it. Anyway, week. the reason I wanted to basically touch base with you and have a chat was, a, more than happy to do with the withdrawal. I'll get the documents out to you today. I just wanted to talk to you first because I've had a couple of chats with Zurich and your policy. You know how we went through and did the renewal for the the reinstatement for the life policy where, basically, Yes. it buy The bar buys that's back in? Yep.","start_word":85,"end_word":329,"sentiment":"neutral","sentiment_score":0.04059856757521629},{"text":"That's been completed, and that has gone through nicely.","start_word":330,"end_word":338,"sentiment":"positive","sentiment_score":0.3915787637233734},{"text":"But we need to resubmit the documents even though we submitted shipped. them twelve months ago, but we need to resubmit the documents to transfer that policy over to the North account, and then we can close out that Macquarie account as well.","start_word":339,"end_word":381,"sentiment":"neutral","sentiment_score":0.005057207308709621},{"text":"So we can be done with the Macquarie saga, Beautiful. So which there's is good.","start_word":382,"end_word":396,"sentiment":"positive","sentiment_score":0.5217102766036987},{"text":"And I how just much is didn't left in that Macquarie account? I didn't get a balance when I spoke to Macquarie, but it should be something around the $50,000 mark, but I can double Yeah. check with Around them. that anyway. Yeah. Yeah.","start_word":397,"end_word":440,"sentiment":"neutral","sentiment_score":0.021675897762179375},{"text":"That's good.","start_word":441,"end_word":442,"sentiment":"positive","sentiment_score":0.5281555652618408},{"text":"Because I'm aware that I'm gonna need a little bit more still. Luckily, my legal fees have come down quite a lot, but I'm also paying Yes. out the vehicle that I've been using. And I'm like, I'm Yes. I'm like, oh, why am I worried about that? I was like, Carrie, you've literally the house is almost on the market. And I'm like, the houses that I'm looking at buying are anywhere from 900 to, you know, 1.1. I'm like, so I've got plenty to reinvest again. I'm like, I just, Yeah. you know, you get it I What's get a your, little bit patted me. yeah, what's your sale price gonna be roughly to this house? Well, this is why I haven't decided yet if because I've done a bit more to it, obviously, with the last funds. And it's just a little bit more I can need to do or not do. Like, the driveway, it's like, do I redo the driveway? Just leave it as it is. I'm just waiting on a new real estate actually to give me his opinion because Yep. it's as it is at the moment, it's, like, 1.65. If I just finish a few more things off, which is the sort of biggest things, like, because they are, you know, doing in, like, a whole new driveway and, you know, removing some more bricks from out the back and relaying either tiles or pavers or something there. It would be closer to 1.7, 1.72. Okay.","start_word":443,"end_word":696,"sentiment":"neutral","sentiment_score":-0.048658635005296214},{"text":"That's good. Alright.","start_word":697,"end_word":699,"sentiment":"positive","sentiment_score":0.445427268743515},{"text":"So it's And really good, and I've been looking at quite a few different properties because I don't need anything as big. And, literally, I can buy something similar that I that I want to exactly to do the same thing to renovate and turn it back over. Yep. And then I still have plenty to live on for the next few years plus also to put all back into my investments. Yeah. No. That's perfect. So I've done all Because the figures, and I'm just getting a little bit worried because I'm like, oh my god. What if I get down to only having, you know, a 100,000 in the bank? Yeah. A little bit. And that's okay. The stress. It's okay because the house is for sale, and it'll just Yeah. adjust what I buy and where I buy and all that sort of stuff because my idea is my insurance ends next year. Mhmm. Another, like, November, December next year. Yes. Yeah. You've got you've got, like, another eighteen months. Yeah. And I'll probably put allow, like, 200 to go back in to whatever I'm going to renovate, and that will cover everything from the stamp duty when I buy it. Like, you know, allowing that extra the extra fees, the extra everything. Yep. Because I think if I go on and only allow $1.50 to renovate, it can tend to undershoot it. So broad range, if I'm buying so it's 1.1, spending 1.2 max, that's spending 1.3, I'll have, you know, $3.50 to 400 to put back in, and I can draw out 50,000 a year to live on. And by then, I will Yeah. renovate it and turn it back over and sell it again and do the same thing. So Yeah. that's the plan.","start_word":700,"end_word":999,"sentiment":"neutral","sentiment_score":0.04773469690233469},{"text":"Good.","start_word":1000,"end_word":1000,"sentiment":"positive","sentiment_score":0.4274426698684693},{"text":"No. That is absolutely okay. Because what But have once you this sells, what have we I really will put run into it by this you. property? Yeah. No. That that's absolutely okay. Yeah. And we can talk years on how we put the money in. But what have you what have you put into this property? Because we bought for $1.01 $6.05. one point o Pretty much, one it it's one it'll be one doing one.","start_word":1001,"end_word":1077,"sentiment":"neutral","sentiment_score":0.04827989265322685},{"text":"exactly what I've done with this property, which is exactly what I've done.","start_word":1078,"end_word":1090,"sentiment":"positive","sentiment_score":0.3743256628513336},{"text":"Yep. Put Yeah. 200 in. So I bought $1.01 $6.05, and then, yeah, we put 200 in so far. Yep. I mean, some of that is legal fees and holidays and stuff like that. So it is you know, and I'm, like, Less I bought a than horse that. float, and I bought a 30 you know, I'm about to buy a $35,000 car. And I bought a trailer and things like that. But, yeah, the renovations were only about $1.50, but then I'm broad ranging it going well. I've added a bit more, and I've got more, and I've done more outside now. So 200. That's cool. No. That's really good. So, realistically, That's weird. So it's a it really cost good you return. one point yeah. It cost cost you 1.365. And if we can walk away with that 1.7, you've been in it for Not even twelve months. not even twelve months. That's for me. And I'll do exactly the same thing again because I've got the same Yeah. all the same trades lined up. I'm actually even got some better, and I'll put you through exactly what I've done again. This was a very old house. This is a big task too because it was five bedroom, three bathroom. Yeah. I'm looking for something a bit smaller because I possibly will not have mom with with me. Yeah. Yeah. But I also like to think that I could rent out. So I'm I'm still looking to think that I could have a granny flat if possible to rent out for additional income. Yeah. Is mom going okay? Or No. No. She's going really well.","start_word":1091,"end_word":1368,"sentiment":"neutral","sentiment_score":0.0310778635815322},{"text":"Unfortunately, my godmother is dying, and her husband is dying.","start_word":1369,"end_word":1378,"sentiment":"negative","sentiment_score":-0.4988102316856384},{"text":"Mom spent every week up there for a few days. So I'm at the point Yes. where I'm like, well, mom, you know, I could rent a buy the house for a lot less, you know, and buy you a caravan to put on their front lawn instead. You know? Yeah. I'm like, instead of buying a house suitable for that, I'm like, oh, we get your government housing or you could just move in with them because they're on the side of Cleandro. So she's up there every week. Yeah. That's a big brush. Yeah. And I also said to her, I also need the income because I was thinking I would go back to work, and now I'm like, why am I going back to work just to support mom? If I can work it so that I can get some income plus have mom, then that works well. But yeah. No. The half flipping is absolutely fine. So Yeah. we can Well, we can I mean, definitely if I talk stayed about in that the house once we I'm in, get it solidified. the room yeah. If I stayed in the house I'm in, I could get 800 a week for the granny side of the front because it's a separate two bedroom house Yeah. with its own lounge room and kitchen and en suite and everything. So the real estate were like, no. We could easily We rent this for 800. So if I could do something like that which at the next place yeah. Renovate it and then, yeah, keep it smaller. You're you're in one section of the granny flat and another that gives you the income. yeah. Or if I I could do mean, this exactly realistically again, this would be ideal. yeah. But, Yeah. anyway, I've got a lot That just of options. gives you that that money. Yeah. Yeah. I mean, 800 a week, $50.50, you know, fifty two weeks is 40 something thousand, 40 just, like, $42,000, something like that. I know. And that's why I'm like, do I even sell this? And it's more just because I've been using this money for the legal fees, and it will be over by early Yeah. next year. I'm like, I think I Just have wanna to sell replenish to it. get that investment Yeah. there in To the replenish next one. it. And if I don't have to sell, then I can keep it. Yeah. But yeah. Definitely. Like, I think we've we've we've dug in a little bit deeper into the into the initial investment pool than what Well, we we had weren't originally planned to, which is okay. we we yeah. And we weren't I wasn't expecting the legal thing, but it's gone really well. I had caught this week.","start_word":1379,"end_word":1849,"sentiment":"neutral","sentiment_score":0.059876093929613725},{"text":"So this is the first bit of hope that I actually might have my kids back next year. That's good. That's really Yeah. good. It I was is really gonna good, ask actually.","start_word":1850,"end_word":1882,"sentiment":"positive","sentiment_score":0.4254634380340576},{"text":"whether quote went went well. Yeah. And their lawyers have adjusted their costs. So instead of the $1.50 for the trial, it's come down quite a bit. And we're already, like, a third of the way there.","start_word":1883,"end_word":1919,"sentiment":"neutral","sentiment_score":0.2241932451725006},{"text":"Good.","start_word":1920,"end_word":1920,"sentiment":"positive","sentiment_score":0.4306992292404175},{"text":"So but it means I will probably need some more each year if I haven't sold the house in time, which is fine. I've got Yeah. the funds there for that. It's more just getting the house That's sold, it. so I don't have to worry about it.","start_word":1921,"end_word":1968,"sentiment":"neutral","sentiment_score":0.23166576027870175},{"text":"Can it get you kids back? And I get to get my kids back.","start_word":1969,"end_word":1982,"sentiment":"positive","sentiment_score":0.4121087193489074},{"text":"And in September, we'll know more. And if I don't, well, then no. I don't spend any more money on the lawyers.","start_word":1983,"end_word":2004,"sentiment":"neutral","sentiment_score":0.015817506492815235},{"text":"So but now it's something quite positive. Good. That Yeah. that makes me happy. I'm very happy.","start_word":2005,"end_word":2021,"sentiment":"positive","sentiment_score":0.5998361110687256},{"text":"Yes. But so the 50 that I need, at the moment, I'm pretty Mhmm. good. I've got I still got a few of the money in the bank, which I've set aside for the lawyers at the moment, Yep. which is covering where we are up until September. But the vehicle I'm driving, that's 35, and Yep. I wanna pay that out. And then I just need a little bit extra for around the house, and then it's ready to sell. But that's Yeah. Absolutely. fine. That's only if I don't do the driveway. I do the driveway, it's gonna cost more. But I'm still messing around with the idea anyway. But yeah. It could be another 50 that I'll need for the lawyers if we Okay. go to trial Yeah. if we It's go a good to trial. trial. Okay. No. And That's that fine. Alright. won't be Well until early next year. yeah. I was gonna say that's that's a that's a later look. Alright. Well, what I'll do now is I'll put all the documents there, and I'll send them through to you so we can do the I just wanna confirm it is 50 that Well, you I'm just wanna it pull might now. well, just going with what we've got now. So what we've got now is there's a 170 in there. Is that right? Yes. Yep. So 50 now, it really doesn't get me anywhere further with the lawyers. If there's if there's any more after September, that doesn't cover me. Yes. But it covers me with the house and buying the car. Yes. So that's fine, which then gives us one twenty, and then we're getting 50. So it's basically we're back to $1.70 again. Yeah. So worst case, if I need another 50, we're still well over the 100 left in there as a safeguard.","start_word":2022,"end_word":2334,"sentiment":"neutral","sentiment_score":0.00792800873732224},{"text":"Absolutely.","start_word":2335,"end_word":2335,"sentiment":"positive","sentiment_score":0.3511832356452942},{"text":"Yep. No.","start_word":2336,"end_word":2337,"sentiment":"neutral","sentiment_score":0.22817495465278623},{"text":"That's that's fine. Cool.","start_word":2338,"end_word":2341,"sentiment":"positive","sentiment_score":0.4099648594856262},{"text":"So 50 now, and I will pop all the documents to transfer the Zurich policy over, paid out of the North account, and closed down the Macquarie. Yes. And then, yes, I'll possibly need a little bit more just to get me through the September hearing. Yeah. And That's all and you can, yeah, you can just we can touch base in August once we know exactly what September looks like because that's that's still four months or three months away. my quest it's a it's a little bit away. Yeah. Yeah. So we just we'll leave the money in the out for now and then That's what August, I thought. September. I thought it doesn't take much for me to call and ask for more, so that's Yeah. fine. No. No. Not at all. So, yeah, nice and easy. We can just pull that money out at that point, and the money hits pretty quickly, providing I actually submit it when you email and not four days later. Yeah. That's why before I buy another house, I'll talk some strategies with you because I'm gonna just rent in the meantime or Airbnb it or something. Because then Yep. a part of me almost also also goes, well, do I buy something quite a lot smaller, like a townhouse? It's not so much I've got ideas anyway, and then just Yes. keep, you know, like, $7,800,000 in investments. Because if we're doing $10.10 a year, roughly, $7.07 percent a year, that's a really good income for me without having to rely on buying and selling, buying and selling. So I'll run it by you before I do anymore. Yeah. Yeah. Yeah. Well, we need to see what profit we we do get out of the house first, exactly what we sell for. Yes. And then, yeah, we talk a little bit more strategy based. Yep.","start_word":2342,"end_word":2656,"sentiment":"neutral","sentiment_score":0.08873845953789969},{"text":"Always. But, you know, the the house has been a great investment. So You did well. You did really well. yeah. I mean, even if it was only half of what I've got out of it, it's still really good money.","start_word":2657,"end_word":2697,"sentiment":"positive","sentiment_score":0.597878098487854},{"text":"I honestly didn't think it'd be about 300,000 in a year.","start_word":2698,"end_word":2708,"sentiment":"neutral","sentiment_score":0.21383576095104215},{"text":"That's pretty good.","start_word":2709,"end_word":2711,"sentiment":"positive","sentiment_score":0.4941377341747284},{"text":"Not even a year. Like, well, you bought it Yeah. in December? Yeah. Oh, no. It was oh, no. It was actually it's almost been a year. We moved in in September. So Oh, fair enough. Has time gone that quickly? yeah.","start_word":2712,"end_word":2753,"sentiment":"neutral","sentiment_score":0.009034963324666023},{"text":"I love that It has for us.","start_word":2754,"end_word":2760,"sentiment":"positive","sentiment_score":0.37831705808639526},{"text":"Really? Wow. yeah. I know. And it's only this recent bit of rain, which has made my driveway completely separate. And I was like, why? Like, you were fine. You know what? Didn't have to do it, but, like, doing the driveway alone, that'll be another 15,000 just to redo that. Absolutely. Oh my god. You're Absolutely paying an asshole will. thing. So I was just trying to see if I could fix it and get away with it because, like, literally, all the bricks have separated. It's like a a foot gap down the middle of the driveway now. And I only saw it when I got home from being away, and I was like, why? It's like the Oh, cement underneath no. that's holding the bricks together is suddenly let go. So can I see if I Of can course. fix that without having to relay the whole driveway? That would be better. Yeah. It would be a 100% better, but the other place looks amazing.","start_word":2761,"end_word":2928,"sentiment":"neutral","sentiment_score":-0.09189825505018234},{"text":"Everyone raves about it.","start_word":2929,"end_word":2932,"sentiment":"positive","sentiment_score":0.38780999183654785},{"text":"So, yeah, it's not a good job.","start_word":2933,"end_word":2939,"sentiment":"negative","sentiment_score":-0.4231336712837219},{"text":"So and I do love that it does have, like, the two different dwellings. Like, it's it's Oh, one house, it's but it you know? it's so well set up because I can't hear my mom at all when she's here. And she comes through the front door, and I go through the garage. So we literally don't Yeah. you know? And for me to have somebody else here other than her, it would be absolutely fine. I mean, there's a yeah. You can literally cut cut it off and have two separate houses completely. And because I've ended Yes.","start_word":2940,"end_word":3039,"sentiment":"neutral","sentiment_score":0.14740211948752402},{"text":"up putting in a whole full kitchen for her, like, that she could even rent out a room herself. You know? She's got a beautiful full kitchen with a dishwasher and stove and, you know, it's massive.","start_word":3040,"end_word":3076,"sentiment":"positive","sentiment_score":0.6287925839424133},{"text":"And Yeah. a big lounge room, and she's got the biggest bedroom in the house. So Like and yeah. my back the back of the house, the back two bedrooms and bathroom, never been used. I've had one person come stay once, and other than that, they're my kids' rooms have never been opened.","start_word":3077,"end_word":3130,"sentiment":"neutral","sentiment_score":-0.06636197119951248},{"text":"They don't get used at all.","start_word":3131,"end_word":3136,"sentiment":"negative","sentiment_score":-0.3628237843513489},{"text":"So that's why I'm like, do I really need this bigger house? Yeah. Just too big, but at the same time, like, if we can flip it and get the money back and downsize. And that's just a question as to me exactly as they're sort of saying whether we go small and stay small for you just yourself or whether we buy slightly bigger, Well, yeah, flip it I'd again, like the or secondary income income. straight. So even when I say Yeah. by myself, I still wanna be able to rent a granny Dual side out, living whether type that of thing. means Yeah. convert the garage or whatever, but that's a lot less cost than what I did here. Yes. Yeah. But it also means I can go for a four bedroom house rather than a five. Yeah. Something slightly bit slightly smaller. Yeah. It's not as much income, but yeah. Anyway, lots of options. Yeah, no. And that and we we talk towards the end of the year once things fell and see what September brings with the court case and and go from there. I know. I honestly could have had it sold a bit quicker. I'm just being a little bit motivated because I just gotta do things like gardening and stuff myself, and I'm like, oh, just being a bit slack. I Not know. slack, Because I'm like, but well, we don't really have to worry about it too urgently, but I'm like, I should really get my finger out and get moving. So oh, but I can't wait to see the photos go up.","start_word":3137,"end_word":3408,"sentiment":"neutral","sentiment_score":0.028287304748493412},{"text":"Yeah. It it looks good. I'm pretty happy. I'm pretty proud of it. You should be. Anything that you've done will will it'll be awesome. I can't wait to see what it looks like, how you transformed it. Yeah. Thank you.","start_word":3409,"end_word":3449,"sentiment":"positive","sentiment_score":0.753593385219574},{"text":"Alright.","start_word":3450,"end_word":3450,"sentiment":"neutral","sentiment_score":0.2119098603725433},{"text":"Well, do Very you excited.","start_word":3451,"end_word":3455,"sentiment":"positive","sentiment_score":0.3340074419975281},{"text":"you're just gonna email me through whatever I need to do, or do I Sign. just will Yep. it be a DocuSign? I will just yeah. It'll just be it'll just be electronically signed, everything. So I just I'll just I'll do up the withdrawal documents and package them up as well and and get them through to you with everything else. Yeah.","start_word":3456,"end_word":3518,"sentiment":"neutral","sentiment_score":0.10327313840389252},{"text":"Lovely.","start_word":3519,"end_word":3519,"sentiment":"positive","sentiment_score":0.33741629123687744},{"text":"Okay.","start_word":3520,"end_word":3520,"sentiment":"neutral","sentiment_score":0.25251269340515137},{"text":"Wonderful.","start_word":3521,"end_word":3521,"sentiment":"positive","sentiment_score":0.45694541931152344},{"text":"Providing my Internet plays the game, or my laptop's gonna end up through the wall? Here's Yes. right away. Because you're working from home today, aren't you? Yeah. Yeah. We closed closed the office on Thursday, Fridays to just Oh, it's stop a great idea. our staff having to Save save to do the travel costs all the and time. let And, everyone have a bit of time yeah, in the office.","start_word":3522,"end_word":3593,"sentiment":"neutral","sentiment_score":0.11600147932767868},{"text":"I think it's a wonderful idea.","start_word":3594,"end_word":3599,"sentiment":"positive","sentiment_score":0.640929639339447},{"text":"Yeah.","start_word":3600,"end_word":3600,"sentiment":"neutral","sentiment_score":0.24842187762260437},{"text":"yeah, it's been good.","start_word":3601,"end_word":3604,"sentiment":"positive","sentiment_score":0.374189168214798},{"text":"I I walk my kids to school and because Oh, on Fridays, nice. we finish it, yeah, we finish at 02:30 on a Friday. So I Yeah. walk down That's and the pick my kids up and work life because balance. I'm I'm yeah.","start_word":3605,"end_word":3648,"sentiment":"neutral","sentiment_score":0.15377874672412872},{"text":"The the work life balance hits really nicely.","start_word":3649,"end_word":3656,"sentiment":"positive","sentiment_score":0.35165929794311523},{"text":"So Well, and it's because after I generally 02:30. pull I 70 better let hour you weeks. go get your kids. No. That's okay. They're literally down the road. It takes me two minutes to walk down there, but I'll I'll get the documents out to you, and and then we'll go from there.","start_word":3657,"end_word":3710,"sentiment":"neutral","sentiment_score":0.09857560694217682},{"text":"Beautiful. Alright. Thanks so much, Larissa. No stress. Thanks, Gary. Bye.","start_word":3711,"end_word":3721,"sentiment":"positive","sentiment_score":0.7019283771514893},{"text":"Okay. Bye.","start_word":3722,"end_word":3723,"sentiment":"neutral","sentiment_score":0.25987687706947327}],"average":{"sentiment":"neutral","sentiment_score":0.08077285205700839}}}}