{"metadata":{"transaction_key":"deprecated","request_id":"019dfbae-e8d3-74a0-b946-9f8d35ef30cd","sha256":"92fb738c6638d3e326b29b679a9d0bd12d774f97dc8f2eea85620c770720723c","created":"2026-05-06T05:07:19.186Z","duration":818.06396,"channels":2,"models":["c0dd532d-9b09-484d-a717-be8b6fd1bb8c"],"model_info":{"c0dd532d-9b09-484d-a717-be8b6fd1bb8c":{"name":"2-phonecall-nova","version":"2024-02-07.8919","arch":"nova-2"}},"summary_info":{"model_uuid":"67875a7f-c9c4-48a0-aa55-5bdb8a91c34a","input_tokens":2637,"output_tokens":120},"sentiment_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":2974,"output_tokens":2980},"intents_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":2974,"output_tokens":168}},"results":{"channels":[{"alternatives":[{"transcript":"I did. Sorry about that, Catherine. Not sure what happened. The call just totally dropped out. Just to let you know, our call is recorded again. So yeah. Sorry. Yeah. Yeah. So it where where your industry funds will will just have a a a group investment, so it's an investment pool. So you have your Rev Thai growth or, you know, your other investment options. MyNorth allows you to while they do have, like, those pooled index investment options, they do allow you to actually have different stocks or funds or or portfolios that they have available. They have a requirement to obviously investigate and look into any options that they allow on platform. So they don't have everything that's possibly available on the ASX under platform because there are obviously risky assets. A lot of super funds don't allow cryptocurrency to react, so you can't, you know, go and buy Bitcoin or anything like that. But they'll have, you know, exchange trade funds that have Bitcoin orientated companies and stuff like that. So they allow for, you know, fairly open investment, but not, you know, full free reign. So it just gives us a lot more diversity where your history funds, again, might have three to, you know, maybe 10 options. Your your, you know, industry your retail funds have thousands. So, you know, sort of, I think, MyNorth has about 1,800 investment options that are available on on platform. So a lot more Macquarie is a retail fund as well. Yeah. So same same sort of same sort of, I guess, line as what your your myNorth is. Hub twenty four, there's premium, there's there's BT, which you BT has been around for years and years. They're, you know, subsidiary of Westpac. BT have a number of superannuation funds. Some of them are available to corporate BT members only. Some of them available to retail, and some of them are open sort of industry orientated, like your BT Super for Life and stuff like that. So it's just within the the realm of of different offerings that are available on market. Yeah. That makes sense? It has. Yes. So there are international offerings as well available. But all of those those options through trade available like, they they are available within the Australian market. So it's not you know, while they are international stocks, they're still available here. Yeah. So yeah. So you you obviously hadn't had a nice good look at the SOA, which is fantastic with the statement of advice. So you you have sort of seen that I am looking at investing you quite diversely. You know, we've got some Europe and Japanese shares. We've got some all world excluding The US because, obviously, The US is quite within a lot of those other segments. Your s and p 500, which has a lot of a lot of your your US in there. We've got your Australian shares individually. You've got gold, which is a really nice it's a really nice cushion. It is a good downside protector because, you know, gold pretty much they hold fairly true with its with its share price without being an aggressive stock. So it's not something that's really gonna, you know, make you a lot of money, but it's not something that's gonna, you know, lose heaps either. Your your minerals has that really nice, you know, strength to them. And then your your only real, I guess, defensive asset is that core composite bond. So it's actually made up of quite a number of bonds within that. That's why it's a composite. It's not just, you know, your government anything like that. It has quite holding. So that way, you have a nice offering across it. Sure. Yes. Still here. Oh, I'm so sorry. I'm I think there's a storm hanging around, and the phone lines are playing good anyway. So yeah. So there's a nice diversity to all the assets that I've recommended, which is good because we don't wanna be too heavily weighted into one area or the other. We wanna make sure that we have nice diversity across the entire asset range. Does that make sense? Yeah. So that's all in all, like, the the crux of the advice. The administrative side of things and what I've put popped in the SOA is that we with the opening of a new super form, we do need to make sure that the beneficiary forms all go in place and that we, you know, make sure that we we cover that off nicely. We don't wanna leave that open or, you know, inter interpretable by the trustee. We wanna make sure that your decision for where your your super goes and goes to the right place. I have recommended that we do nominate your legal personal representative for both your my North and your rest fund, and that's purely and simply from a tax position. Because what I wanna do is I wanna make sure that the money goes to, you know, to the fam to your family properly and isn't taxed at the highest rate because, you know, you've got your two kids and they're both older. They're in their twenties. I wanna make sure that they aren't considered tax dependent that the money that is received Yeah. That's that's received by them goes goes through them. Yeah. Perfect. So, yeah, that's that's that's the advice points. And then from there, we are absolutely able to open up and discuss and talk about any other advice that you may wanna talk about. So whether that be, you know, future planning or whether you wanna open up and talk about any other investments or yeah. 100%. We can talk about the properties as well. I definitely will. About properties. We can if you know, like, where you wanna head with things, I need to know what I need to know what the exact interest rate is. Like, the last report would be good for both of the properties. Like, a your, like, mortgage, your monthly mortgage repayment report if you receive those. Because I me like, how many what what the term of the loans are exactly, for how many years, months, what the interest rate is, what your current repayment schedule looks like, which is all generally listed on that monthly or quarterly report that your lender will send you. And then what you wanna actually do, what is your goal with regards to the properties? What is it that you're wanting to to look at doing with them? Is it a is it that you wanna restructure them? Is it that you wanna look at selling them? Is it that you wanna look at expanding? Or Yep. Yep. Yep. Yes. Yeah. Commercial, generally, they want it. Yeah. So so very much looking at possibly looking at selling the the commercial, but you wanna keep the the residential. Is that what I'm getting? Right. You wanna okay. No. That's okay. Alright. So what I will definitely need is the mortgage reports for both the properties. If you have either the either pretty much your tax return for last year. You've owned them both for a full twelve months or no? Have you owned both the properties for for for the last twelve months for a full tax year? Yeah? Perfect. So your your last tax return would be fantastic because that'll tell me what has come in and gone out for both of the properties. It's just the easiest way to do it for you rather than you everything you said to the accountant. So pretty much we consolidate on that tax statement. But that'll give me everything. And then if you can find out when the lease agreement for both of the property is safe, I can start having a look at both of the properties. I'll send an email through to you with what I need. That way you're not having to remember what I'm telling you over the phone. Look at you go. I'll still follow-up with an email, but email that through. I can start having a look into what our possibilities are with respect to the properties, where we can go, whether there's an opportunity to, you know, refinance, to move some of the equity around, whatever the case may be. I'll I'll look at how we can structure things, what we could possibly do, and what options we have available, and that'll then open it up to allow you to start making some decisions once you have, I guess, options on the table on what you can and can't do, where you're restricted and where you're not. Perfect. I'm assuming in those property reports, you have the addresses for the actual properties. There'll be some one of those reports, I'm assuming. If not, can you make sure you write those down for me? Yeah. Thank you. Perfect. I'll I'll email you through with with the list that I need just in case they didn't verbalize things that I mentally thought of. And and that way, you have it in writing. You can just respond straight back to me when you have a chance to look at it. And then just give me a couple of weeks digging, have some looking around, and my ducks in a row, and then I'll email you. And we can either organize a time, or I can just add hot call you like I have today. I am a little bit we can 100% do do a video call. I am more than happy to video call you. That that's yes. That's everything. So with with the with the statement of advice that we've done now, I'll get moving and get everything implemented. You'll hear from my team over the next couple of days to just go through the implementation stuff. They'll post you some mail, and we'll get everything moving on that side. Outside of that, I'll send an email either later today or first thing tomorrow morning just with the points that I need for the property review, and then I'll I'll get looking into that. Yeah. No. That's absolutely okay. I will have a look and start working through all the numbers, and I am sure I can come up with quite a number of different possibilities that we have open to us. And I'll just present all of them to you, and we can have a little bit more of an in-depth discussion as to if we do, what that looks like and what that may, you know, produces an outcome type of conversation. Because I figure at the moment, you're probably mentally you're mentally blocked because there's the world of options, but you don't actually know what's realistic and what's not. And because you don't know what possible outcomes you could actually achieve. Yeah. That's absolutely perfect. No. I will have a look, and I will come up with a number of options, and we can talk about them. Perfect. Well, it was lovely speaking to you, Catherine. Have a fantastic rest of your day, and I'll touch base with you soon. Thanks. 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did. Sorry about that, Catherine. Not sure what happened. The call just totally dropped out. Just to let you know, our call is recorded again.\n\nSo yeah. Sorry. Yeah. Yeah. So it where where your industry funds will will just have a a a group investment, so it's an investment pool.\n\nSo you have your Rev Thai growth or, you know, your other investment options. MyNorth allows you to while they do have, like, those pooled index investment options, they do allow you to actually have different stocks or funds or or portfolios that they have available. They have a requirement to obviously investigate and look into any options that they allow on platform. So they don't have everything that's possibly available on the ASX under platform because there are obviously risky assets. A lot of super funds don't allow cryptocurrency to react, so you can't, you know, go and buy Bitcoin or anything like that.\n\nBut they'll have, you know, exchange trade funds that have Bitcoin orientated companies and stuff like that. So they allow for, you know, fairly open investment, but not, you know, full free reign. So it just gives us a lot more diversity where your history funds, again, might have three to, you know, maybe 10 options. Your your, you know, industry your retail funds have thousands. So, you know, sort of, I think, MyNorth has about 1,800 investment options that are available on on platform.\n\nSo a lot more Macquarie is a retail fund as well. Yeah. So same same sort of same sort of, I guess, line as what your your myNorth is. Hub twenty four, there's premium, there's there's BT, which you BT has been around for years and years. They're, you know, subsidiary of Westpac.\n\nBT have a number of superannuation funds. Some of them are available to corporate BT members only. Some of them available to retail, and some of them are open sort of industry orientated, like your BT Super for Life and stuff like that. So it's just within the the realm of of different offerings that are available on market. Yeah.\n\nThat makes sense? It has. Yes. So there are international offerings as well available. But all of those those options through trade available like, they they are available within the Australian market.\n\nSo it's not you know, while they are international stocks, they're still available here. Yeah. So yeah. So you you obviously hadn't had a nice good look at the SOA, which is fantastic with the statement of advice. So you you have sort of seen that I am looking at investing you quite diversely.\n\nYou know, we've got some Europe and Japanese shares. We've got some all world excluding The US because, obviously, The US is quite within a lot of those other segments. Your s and p 500, which has a lot of a lot of your your US in there. We've got your Australian shares individually. You've got gold, which is a really nice it's a really nice cushion.\n\nIt is a good downside protector because, you know, gold pretty much they hold fairly true with its with its share price without being an aggressive stock. So it's not something that's really gonna, you know, make you a lot of money, but it's not something that's gonna, you know, lose heaps either. Your your minerals has that really nice, you know, strength to them. And then your your only real, I guess, defensive asset is that core composite bond. So it's actually made up of quite a number of bonds within that.\n\nThat's why it's a composite. It's not just, you know, your government anything like that. It has quite holding. So that way, you have a nice offering across it. Sure.\n\nYes. Still here. Oh, I'm so sorry. I'm I think there's a storm hanging around, and the phone lines are playing good anyway. So yeah.\n\nSo there's a nice diversity to all the assets that I've recommended, which is good because we don't wanna be too heavily weighted into one area or the other. We wanna make sure that we have nice diversity across the entire asset range. Does that make sense? Yeah. So that's all in all, like, the the crux of the advice.\n\nThe administrative side of things and what I've put popped in the SOA is that we with the opening of a new super form, we do need to make sure that the beneficiary forms all go in place and that we, you know, make sure that we we cover that off nicely. We don't wanna leave that open or, you know, inter interpretable by the trustee. We wanna make sure that your decision for where your your super goes and goes to the right place. I have recommended that we do nominate your legal personal representative for both your my North and your rest fund, and that's purely and simply from a tax position. Because what I wanna do is I wanna make sure that the money goes to, you know, to the fam to your family properly and isn't taxed at the highest rate because, you know, you've got your two kids and they're both older.\n\nThey're in their twenties. I wanna make sure that they aren't considered tax dependent that the money that is received Yeah. That's that's received by them goes goes through them. Yeah. Perfect.\n\nSo, yeah, that's that's that's the advice points. And then from there, we are absolutely able to open up and discuss and talk about any other advice that you may wanna talk about. So whether that be, you know, future planning or whether you wanna open up and talk about any other investments or yeah. 100%. We can talk about the properties as well.\n\nI definitely will. About properties. We can if you know, like, where you wanna head with things, I need to know what I need to know what the exact interest rate is. Like, the last report would be good for both of the properties. Like, a your, like, mortgage, your monthly mortgage repayment report if you receive those.\n\nBecause I me like, how many what what the term of the loans are exactly, for how many years, months, what the interest rate is, what your current repayment schedule looks like, which is all generally listed on that monthly or quarterly report that your lender will send you. And then what you wanna actually do, what is your goal with regards to the properties? What is it that you're wanting to to look at doing with them? Is it a is it that you wanna restructure them? Is it that you wanna look at selling them?\n\nIs it that you wanna look at expanding? Or Yep. Yep. Yep. Yes.\n\nYeah. Commercial, generally, they want it. Yeah. So so very much looking at possibly looking at selling the the commercial, but you wanna keep the the residential. Is that what I'm getting?\n\nRight. You wanna okay. No. That's okay. Alright.\n\nSo what I will definitely need is the mortgage reports for both the properties. If you have either the either pretty much your tax return for last year. You've owned them both for a full twelve months or no? Have you owned both the properties for for for the last twelve months for a full tax year? Yeah?\n\nPerfect. So your your last tax return would be fantastic because that'll tell me what has come in and gone out for both of the properties. It's just the easiest way to do it for you rather than you everything you said to the accountant. So pretty much we consolidate on that tax statement. But that'll give me everything.\n\nAnd then if you can find out when the lease agreement for both of the property is safe, I can start having a look at both of the properties. I'll send an email through to you with what I need. That way you're not having to remember what I'm telling you over the phone. Look at you go. I'll still follow-up with an email, but email that through.\n\nI can start having a look into what our possibilities are with respect to the properties, where we can go, whether there's an opportunity to, you know, refinance, to move some of the equity around, whatever the case may be. I'll I'll look at how we can structure things, what we could possibly do, and what options we have available, and that'll then open it up to allow you to start making some decisions once you have, I guess, options on the table on what you can and can't do, where you're restricted and where you're not. Perfect. I'm assuming in those property reports, you have the addresses for the actual properties. There'll be some one of those reports, I'm assuming.\n\nIf not, can you make sure you write those down for me? Yeah. Thank you. Perfect. I'll I'll email you through with with the list that I need just in case they didn't verbalize things that I mentally thought of.\n\nAnd and that way, you have it in writing. You can just respond straight back to me when you have a chance to look at it. And then just give me a couple of weeks digging, have some looking around, and my ducks in a row, and then I'll email you. And we can either organize a time, or I can just add hot call you like I have today. I am a little bit we can 100% do do a video call.\n\nI am more than happy to video call you. That that's yes. That's everything. So with with the with the statement of advice that we've done now, I'll get moving and get everything implemented. You'll hear from my team over the next couple of days to just go through the implementation stuff.\n\nThey'll post you some mail, and we'll get everything moving on that side. Outside of that, I'll send an email either later today or first thing tomorrow morning just with the points that I need for the property review, and then I'll I'll get looking into that. Yeah. No. That's absolutely okay.\n\nI will have a look and start working through all the numbers, and I am sure I can come up with quite a number of different possibilities that we have open to us. And I'll just present all of them to you, and we can have a little bit more of an in-depth discussion as to if we do, what that looks like and what that may, you know, produces an outcome type of conversation. Because I figure at the moment, you're probably mentally you're mentally blocked because there's the world of options, but you don't actually know what's realistic and what's not. And because you don't know what possible outcomes you could actually achieve. Yeah.\n\nThat's absolutely perfect. No. I will have a look, and I will come up with a number of options, and we can talk about them. Perfect. Well, it was lovely speaking to you, Catherine.\n\nHave a fantastic rest of your day, and I'll touch base with you soon. Thanks. Bye.","paragraphs":[{"sentences":[{"text":"I did.","start":1.52,"end":2.08,"sentiment":"neutral","sentiment_score":-0.11644111201167107},{"text":"Sorry about that, Catherine.","start":2.08,"end":3.1999998,"sentiment":"neutral","sentiment_score":-0.162955604493618},{"text":"Not sure what happened.","start":3.1999998,"end":4.08,"sentiment":"neutral","sentiment_score":-0.22661658003926277},{"text":"The call just totally dropped out.","start":4.08,"end":5.8599997,"sentiment":"negative","sentiment_score":-0.38425421218077344},{"text":"Just to let you know, our call is recorded again.","start":8.08,"end":10.34,"sentiment":"neutral","sentiment_score":-0.07002567052841187}],"sentiment":"neutral","sentiment_score":-0.1844981900201394,"num_words":26,"start":1.52,"end":10.34},{"sentences":[{"text":"So yeah.","start":10.955,"end":12.639999,"sentiment":"neutral","sentiment_score":-0.02703736163675785},{"text":"Sorry.","start":12.639999,"end":13.139999,"sentiment":"neutral","sentiment_score":-0.04714164137840271},{"text":"Yeah.","start":16.315,"end":16.555,"sentiment":"neutral","sentiment_score":0.0482848659157753},{"text":"Yeah.","start":16.555,"end":17.035,"sentiment":"neutral","sentiment_score":0.07578940689563751},{"text":"So it where where your industry funds will will just have a a a group investment, so it's an investment pool.","start":17.035,"end":25.055,"sentiment":"neutral","sentiment_score":0.11137966031119936}],"sentiment":"neutral","sentiment_score":0.09083964518056466,"num_words":26,"start":10.955,"end":25.055},{"sentences":[{"text":"So you have your Rev Thai growth or, you know, your other investment options.","start":25.195,"end":30.17,"sentiment":"neutral","sentiment_score":0.12053272819944791},{"text":"MyNorth allows you to while they do have, like, those pooled index investment options, they do allow you to actually have different stocks or funds or or portfolios that they have available.","start":31.75,"end":43.425,"sentiment":"neutral","sentiment_score":0.13458400988020003},{"text":"They have a requirement to obviously investigate and look into any options that they allow on platform.","start":43.485,"end":50.625,"sentiment":"neutral","sentiment_score":0.04463736011701472},{"text":"So they don't have everything that's possibly available on the ASX under platform because there are obviously risky assets.","start":50.925,"end":58.0,"sentiment":"neutral","sentiment_score":-0.043731869933636563},{"text":"A lot of super funds don't allow cryptocurrency to react, so you can't, you know, go and buy Bitcoin or anything like that.","start":58.460003,"end":64.62,"sentiment":"neutral","sentiment_score":-0.019188026128255802}],"sentiment":"neutral","sentiment_score":0.05219763336437089,"num_words":105,"start":25.195,"end":64.62},{"sentences":[{"text":"But they'll have, you know, exchange trade funds that have Bitcoin orientated companies and stuff like that.","start":64.62,"end":71.020004,"sentiment":"neutral","sentiment_score":0.06805850653087392},{"text":"So they allow for, you know, fairly open investment, but not, you know, full free reign.","start":71.020004,"end":77.805,"sentiment":"neutral","sentiment_score":0.09731825068593025},{"text":"So it just gives us a lot more diversity where your history funds, again, might have three to, you know, maybe 10 options.","start":80.345,"end":86.285,"sentiment":"neutral","sentiment_score":0.1513099702803985},{"text":"Your your, you know, industry your retail funds have thousands.","start":91.3,"end":93.72,"sentiment":"neutral","sentiment_score":0.10761144459247589},{"text":"So, you know, sort of, I think, MyNorth has about 1,800 investment options that are available on on platform.","start":94.340004,"end":101.880005,"sentiment":"neutral","sentiment_score":0.08740949630737305}],"sentiment":"neutral","sentiment_score":0.10507189193192651,"num_words":85,"start":64.62,"end":101.880005},{"sentences":[{"text":"So a lot more Macquarie is a retail fund as well.","start":103.975,"end":110.695,"sentiment":"neutral","sentiment_score":0.045152603733268654},{"text":"Yeah.","start":110.695,"end":111.195,"sentiment":"neutral","sentiment_score":0.06529763340950012},{"text":"So same same sort of same sort of, I guess, line as what your your myNorth is.","start":113.255,"end":119.59,"sentiment":"neutral","sentiment_score":0.045947272768791986},{"text":"Hub twenty four, there's premium, there's there's BT, which you BT has been around for years and years.","start":119.97,"end":127.909996,"sentiment":"neutral","sentiment_score":0.05158323887735605},{"text":"They're, you know, subsidiary of Westpac.","start":128.29,"end":131.75,"sentiment":"neutral","sentiment_score":0.05855013864735762}],"sentiment":"neutral","sentiment_score":0.04948828383436743,"num_words":53,"start":103.975,"end":131.75},{"sentences":[{"text":"BT have a number of superannuation funds.","start":132.525,"end":135.825,"sentiment":"neutral","sentiment_score":0.07270196186644691},{"text":"Some of them are available to corporate BT members only.","start":136.045,"end":139.425,"sentiment":"neutral","sentiment_score":0.07411216199398041},{"text":"Some of them available to retail, and some of them are open sort of industry orientated, like your BT Super for Life and stuff like that.","start":139.565,"end":146.785,"sentiment":"neutral","sentiment_score":0.09851688103607067},{"text":"So it's just within the the realm of of different offerings that are available on market.","start":148.46,"end":153.84,"sentiment":"neutral","sentiment_score":0.04172985348850489},{"text":"Yeah.","start":155.34,"end":155.84,"sentiment":"neutral","sentiment_score":0.09598925709724426}],"sentiment":"neutral","sentiment_score":0.07625235288093488,"num_words":60,"start":132.525,"end":155.84},{"sentences":[{"text":"That makes sense?","start":156.14,"end":157.28,"sentiment":"neutral","sentiment_score":0.08762635290622711},{"text":"It has.","start":169.485,"end":170.045,"sentiment":"neutral","sentiment_score":0.0336124449968338},{"text":"Yes.","start":170.045,"end":170.545,"sentiment":"neutral","sentiment_score":0.07603976130485535},{"text":"So there are international offerings as well available.","start":171.405,"end":174.385,"sentiment":"neutral","sentiment_score":0.06561608891934156},{"text":"But all of those those options through trade available like, they they are available within the Australian market.","start":174.685,"end":182.5,"sentiment":"neutral","sentiment_score":0.05254704732861784}],"sentiment":"neutral","sentiment_score":0.05865372729022056,"num_words":32,"start":156.14,"end":182.5},{"sentences":[{"text":"So it's not you know, while they are international stocks, they're still available here.","start":182.5,"end":187.16,"sentiment":"neutral","sentiment_score":0.014514257798769645},{"text":"Yeah.","start":187.94,"end":188.44,"sentiment":"neutral","sentiment_score":0.03934711962938309},{"text":"So yeah.","start":190.915,"end":192.59499,"sentiment":"neutral","sentiment_score":0.09668790549039841},{"text":"So you you obviously hadn't had a nice good look at the SOA, which is fantastic with the statement of advice.","start":192.59499,"end":197.73499,"sentiment":"positive","sentiment_score":0.3645292112515086},{"text":"So you you have sort of seen that I am looking at investing you quite diversely.","start":198.03499,"end":203.33499,"sentiment":"neutral","sentiment_score":0.23517105262726545}],"sentiment":"neutral","sentiment_score":0.21951431144649783,"num_words":54,"start":182.5,"end":203.33499},{"sentences":[{"text":"You know, we've got some Europe and Japanese shares.","start":204.41,"end":207.13,"sentiment":"neutral","sentiment_score":0.10815049045615727},{"text":"We've got some all world excluding The US because, obviously, The US is quite within a lot of those other segments.","start":207.13,"end":215.87001,"sentiment":"neutral","sentiment_score":0.06866000805582319},{"text":"Your s and p 500, which has a lot of a lot of your your US in there.","start":216.755,"end":222.615,"sentiment":"neutral","sentiment_score":0.11948526340226333},{"text":"We've got your Australian shares individually.","start":223.075,"end":226.295,"sentiment":"neutral","sentiment_score":0.10221388439337413},{"text":"You've got gold, which is a really nice it's a really nice cushion.","start":227.475,"end":234.0,"sentiment":"positive","sentiment_score":0.5967767238616943}],"sentiment":"neutral","sentiment_score":0.19309447822508527,"num_words":67,"start":204.41,"end":234.0},{"sentences":[{"text":"It is a good downside protector because, you know, gold pretty much they hold fairly true with its with its share price without being an aggressive stock.","start":234.54001,"end":246.525,"sentiment":"neutral","sentiment_score":0.2534611553505615},{"text":"So it's not something that's really gonna, you know, make you a lot of money, but it's not something that's gonna, you know, lose heaps either.","start":246.525,"end":252.06499,"sentiment":"neutral","sentiment_score":0.14709761581168726},{"text":"Your your minerals has that really nice, you know, strength to them.","start":252.525,"end":256.92,"sentiment":"positive","sentiment_score":0.5113551740845045},{"text":"And then your your only real, I guess, defensive asset is that core composite bond.","start":257.80002,"end":263.58002,"sentiment":"neutral","sentiment_score":0.31303151945273083},{"text":"So it's actually made up of quite a number of bonds within that.","start":264.12003,"end":267.16,"sentiment":"neutral","sentiment_score":0.25258591771125793}],"sentiment":"neutral","sentiment_score":0.26648753781312257,"num_words":93,"start":234.54001,"end":267.16},{"sentences":[{"text":"That's why it's a composite.","start":267.16,"end":268.30002,"sentiment":"neutral","sentiment_score":0.26833303570747374},{"text":"It's not just, you know, your government anything like that.","start":269.0,"end":271.0,"sentiment":"neutral","sentiment_score":0.22768146693706512},{"text":"It has quite holding.","start":271.0,"end":272.975,"sentiment":"positive","sentiment_score":0.3394278287887573},{"text":"So that way, you have a nice offering across it.","start":273.915,"end":277.535,"sentiment":"positive","sentiment_score":0.5265680491924286},{"text":"Sure.","start":281.115,"end":281.615,"sentiment":"neutral","sentiment_score":0.002694246359169483}],"sentiment":"positive","sentiment_score":0.34148553004488347,"num_words":30,"start":267.16,"end":281.615},{"sentences":[{"text":"Yes.","start":282.235,"end":282.555,"sentiment":"neutral","sentiment_score":0.013441535644233229},{"text":"Still here.","start":282.555,"end":283.215,"sentiment":"neutral","sentiment_score":-0.0074677648954093465},{"text":"Oh, I'm so sorry.","start":284.715,"end":285.935,"sentiment":"neutral","sentiment_score":-0.15367460250854492},{"text":"I'm I think there's a storm hanging around, and the phone lines are playing good anyway.","start":286.59,"end":291.41,"sentiment":"positive","sentiment_score":0.4715622905641794},{"text":"So yeah.","start":293.39,"end":293.95,"sentiment":"positive","sentiment_score":0.4409788250923157}],"sentiment":"neutral","sentiment_score":0.31243047580122946,"num_words":25,"start":282.235,"end":293.95},{"sentences":[{"text":"So there's a nice diversity to all the assets that I've recommended, which is good because we don't wanna be too heavily weighted into one area or the other.","start":293.95,"end":303.585,"sentiment":"positive","sentiment_score":0.5720559415118448},{"text":"We wanna make sure that we have nice diversity across the entire asset range.","start":304.045,"end":308.70502,"sentiment":"positive","sentiment_score":0.49406440343175617},{"text":"Does that make sense?","start":309.085,"end":310.225,"sentiment":"neutral","sentiment_score":0.14825018495321274},{"text":"Yeah.","start":310.365,"end":310.865,"sentiment":"neutral","sentiment_score":0.17325693368911743},{"text":"So that's all in all, like, the the crux of the advice.","start":311.645,"end":316.09003,"sentiment":"neutral","sentiment_score":0.1927967257797718}],"sentiment":"positive","sentiment_score":0.44310570557912193,"num_words":60,"start":293.95,"end":316.09003},{"sentences":[{"text":"The administrative side of things and what I've put popped in the SOA is that we with the opening of a new super form, we do need to make sure that the beneficiary forms all go in place and that we, you know, make sure that we we cover that off nicely.","start":316.71002,"end":329.165,"sentiment":"neutral","sentiment_score":0.18431025041410556},{"text":"We don't wanna leave that open or, you know, inter interpretable by the trustee.","start":329.165,"end":334.685,"sentiment":"neutral","sentiment_score":0.018227082810231617},{"text":"We wanna make sure that your decision for where your your super goes and goes to the right place.","start":334.685,"end":340.65,"sentiment":"neutral","sentiment_score":0.3184722967837986},{"text":"I have recommended that we do nominate your legal personal representative for both your my North and your rest fund, and that's purely and simply from a tax position.","start":341.11002,"end":351.37,"sentiment":"neutral","sentiment_score":0.29787201408682196},{"text":"Because what I wanna do is I wanna make sure that the money goes to, you know, to the fam to your family properly and isn't taxed at the highest rate because, you know, you've got your two kids and they're both older.","start":352.47,"end":367.325,"sentiment":"positive","sentiment_score":0.35799267680145974}],"sentiment":"neutral","sentiment_score":0.2542819065652835,"num_words":157,"start":316.71002,"end":367.325},{"sentences":[{"text":"They're in their twenties.","start":367.325,"end":368.465,"sentiment":"neutral","sentiment_score":0.19549178704619408},{"text":"I wanna make sure that they aren't considered tax dependent that the money that is received Yeah.","start":369.59,"end":381.53,"sentiment":"neutral","sentiment_score":0.1656112723490771},{"text":"That's that's received by them goes goes through them.","start":381.66998,"end":385.28497,"sentiment":"neutral","sentiment_score":0.18874267571502262},{"text":"Yeah.","start":385.28497,"end":385.78497,"sentiment":"neutral","sentiment_score":0.21049486100673676},{"text":"Perfect.","start":387.685,"end":388.185,"sentiment":"positive","sentiment_score":0.5190632343292236}],"sentiment":"neutral","sentiment_score":0.18830002984032035,"num_words":32,"start":367.325,"end":388.185},{"sentences":[{"text":"So, yeah, that's that's that's the advice points.","start":389.44498,"end":393.145,"sentiment":"positive","sentiment_score":0.3756006136536598},{"text":"And then from there, we are absolutely able to open up and discuss and talk about any other advice that you may wanna talk about.","start":393.60498,"end":400.98,"sentiment":"positive","sentiment_score":0.4360539650917053},{"text":"So whether that be, you know, future planning or whether you wanna open up and talk about any other investments or yeah.","start":400.98,"end":408.98,"sentiment":"neutral","sentiment_score":0.3052135177633979},{"text":"100%.","start":408.98,"end":409.62,"sentiment":"neutral","sentiment_score":0.2058920860290527},{"text":"We can talk about the properties as well.","start":409.62,"end":412.12,"sentiment":"neutral","sentiment_score":0.1508261188864708}],"sentiment":"positive","sentiment_score":0.3442711322568357,"num_words":64,"start":389.44498,"end":412.12},{"sentences":[{"text":"I definitely will.","start":419.245,"end":420.625,"sentiment":"neutral","sentiment_score":0.3077799280484517},{"text":"About properties.","start":423.245,"end":423.965,"sentiment":"neutral","sentiment_score":0.039429014548659325},{"text":"We can if you know, like, where you wanna head with things, I need to know what I need to know what the exact interest rate is.","start":423.965,"end":435.25,"sentiment":"neutral","sentiment_score":0.01021096470800263},{"text":"Like, the last report would be good for both of the properties.","start":435.79,"end":438.61002,"sentiment":"neutral","sentiment_score":0.12458936621745427},{"text":"Like, a your, like, mortgage, your monthly mortgage repayment report if you receive those.","start":441.95,"end":448.51498,"sentiment":"neutral","sentiment_score":-0.00972541408347232}],"sentiment":"neutral","sentiment_score":0.045462249272406614,"num_words":58,"start":419.245,"end":448.51498},{"sentences":[{"text":"Because I me like, how many what what the term of the loans are exactly, for how many years, months, what the interest rate is, what your current repayment schedule looks like, which is all generally listed on that monthly or quarterly report that your lender will send you.","start":449.535,"end":467.56,"sentiment":"neutral","sentiment_score":0.026929615160488352},{"text":"And then what you wanna actually do, what is your goal with regards to the properties?","start":467.7,"end":472.345,"sentiment":"neutral","sentiment_score":0.04139364720322192},{"text":"What is it that you're wanting to to look at doing with them?","start":472.345,"end":475.38498,"sentiment":"neutral","sentiment_score":0.03120619445466078},{"text":"Is it a is it that you wanna restructure them?","start":475.38498,"end":477.94498,"sentiment":"neutral","sentiment_score":0.003019593097269536},{"text":"Is it that you wanna look at selling them?","start":477.94498,"end":479.625,"sentiment":"neutral","sentiment_score":-0.014951261795229383}],"sentiment":"neutral","sentiment_score":0.02353777939012063,"num_words":97,"start":449.535,"end":479.625},{"sentences":[{"text":"Is it that you wanna look at expanding?","start":479.625,"end":481.645,"sentiment":"neutral","sentiment_score":-0.006008554715663195},{"text":"Or 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okay.","start":550.925,"end":551.565,"sentiment":"neutral","sentiment_score":-0.13365212827920914},{"text":"Alright.","start":551.565,"end":552.065,"sentiment":"neutral","sentiment_score":0.10240153968334198}],"sentiment":"neutral","sentiment_score":-0.12559098657220602,"num_words":8,"start":543.74,"end":552.065},{"sentences":[{"text":"So what I will definitely need is the mortgage reports for both the properties.","start":552.365,"end":556.065,"sentiment":"neutral","sentiment_score":0.09454707721514362},{"text":"If you have either the either pretty much your tax return for last year.","start":556.685,"end":563.98,"sentiment":"neutral","sentiment_score":-0.009227810094931297},{"text":"You've owned them both for a full twelve months or no?","start":564.12,"end":567.98,"sentiment":"neutral","sentiment_score":-0.0016454055228016593},{"text":"Have you owned both the properties for for for the last twelve months for a full tax 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statement.","start":589.16003,"end":591.66003,"sentiment":"positive","sentiment_score":0.3924495346016354},{"text":"But that'll give me everything.","start":593.08,"end":594.38,"sentiment":"positive","sentiment_score":0.4386137366294861}],"sentiment":"positive","sentiment_score":0.4521708220748578,"num_words":59,"start":575.54504,"end":594.38},{"sentences":[{"text":"And then if you can find out when the lease agreement for both of the property is safe, I can start having a look at both of the properties.","start":594.44,"end":602.30005,"sentiment":"neutral","sentiment_score":0.26393982870825405},{"text":"I'll send an email through to you with what I need.","start":603.065,"end":605.225,"sentiment":"neutral","sentiment_score":0.27146710455417633},{"text":"That way you're not having to remember what I'm telling you over the phone.","start":605.225,"end":608.765,"sentiment":"neutral","sentiment_score":0.1444152415330921},{"text":"Look at you go.","start":609.78503,"end":610.745,"sentiment":"neutral","sentiment_score":0.12579588778316975},{"text":"I'll still follow-up with an email, but email that through.","start":610.745,"end":615.6,"sentiment":"neutral","sentiment_score":0.13184273466467858}],"sentiment":"neutral","sentiment_score":0.21299731561585383,"num_words":68,"start":594.44,"end":615.6},{"sentences":[{"text":"I can start having a look into what our possibilities are with respect to the properties, where we can go, whether there's an opportunity to, you know, refinance, to move some of the equity around, whatever the case may be.","start":615.68,"end":629.68,"sentiment":"neutral","sentiment_score":0.18753151074051858},{"text":"I'll I'll look at how we can structure things, what we could possibly do, and what options we have available, and that'll then open it up to allow you to start making some decisions once you have, I guess, options on the table on what you can and can't do, where you're restricted and where you're not.","start":629.68,"end":643.755,"sentiment":"neutral","sentiment_score":0.12564229520789363},{"text":"Perfect.","start":647.39996,"end":647.89996,"sentiment":"positive","sentiment_score":0.4250807166099548},{"text":"I'm assuming in those property reports, you have the addresses for the actual properties.","start":648.52,"end":651.98,"sentiment":"neutral","sentiment_score":0.10662291677934783},{"text":"There'll be some one of those reports, I'm assuming.","start":652.83997,"end":655.39996,"sentiment":"neutral","sentiment_score":0.10521430687771903}],"sentiment":"neutral","sentiment_score":0.14485621132141302,"num_words":121,"start":615.68,"end":655.39996},{"sentences":[{"text":"If not, can you make sure you write those down for me?","start":655.39996,"end":658.46,"sentiment":"neutral","sentiment_score":0.0925826383754611},{"text":"Yeah.","start":660.775,"end":661.275,"sentiment":"neutral","sentiment_score":0.21867194771766665},{"text":"Thank you.","start":661.335,"end":662.075,"sentiment":"positive","sentiment_score":0.5051485002040863},{"text":"Perfect.","start":664.055,"end":664.555,"sentiment":"positive","sentiment_score":0.5161744356155396},{"text":"I'll I'll email you through with with the list that I need just in case they didn't verbalize things that I mentally thought of.","start":664.695,"end":672.47504,"sentiment":"neutral","sentiment_score":0.3202216712137063}],"sentiment":"neutral","sentiment_score":0.2635363788343966,"num_words":40,"start":655.39996,"end":672.47504},{"sentences":[{"text":"And and that way, you have it in writing.","start":674.03,"end":675.63,"sentiment":"neutral","sentiment_score":0.2748747074769603},{"text":"You can just respond straight back to me when you have a chance to look at it.","start":675.63,"end":678.93,"sentiment":"neutral","sentiment_score":0.15588445567032871},{"text":"And then just give me a couple of weeks digging, have some looking around, and my ducks in a row, and then I'll email you.","start":679.07,"end":685.95,"sentiment":"neutral","sentiment_score":0.13324359625577928},{"text":"And we can either organize a time, or I can just add hot call you like I have today.","start":685.95,"end":689.925,"sentiment":"neutral","sentiment_score":0.117393779911493},{"text":"I am a little bit we can 100% do do a video call.","start":701.6,"end":705.2,"sentiment":"neutral","sentiment_score":0.2466694930425057}],"sentiment":"neutral","sentiment_score":0.16737570178257413,"num_words":83,"start":674.03,"end":705.2},{"sentences":[{"text":"I am more than happy to video call you.","start":705.2,"end":707.46,"sentiment":"positive","sentiment_score":0.6477112703853183},{"text":"That that's yes.","start":717.995,"end":719.755,"sentiment":"neutral","sentiment_score":0.2846343119939168},{"text":"That's everything.","start":719.755,"end":720.575,"sentiment":"positive","sentiment_score":0.3463890254497528},{"text":"So with with the with the statement of advice that we've done now, I'll get moving and get everything implemented.","start":720.795,"end":729.77,"sentiment":"neutral","sentiment_score":0.19073500856757164},{"text":"You'll hear from my team over the next couple of days to just go through the implementation stuff.","start":729.77,"end":734.57,"sentiment":"neutral","sentiment_score":0.17749824126561484}],"sentiment":"neutral","sentiment_score":0.27664905643233884,"num_words":52,"start":705.2,"end":734.57},{"sentences":[{"text":"They'll post you some mail, and we'll get everything moving on that side.","start":734.57,"end":738.99,"sentiment":"neutral","sentiment_score":0.15716176422742698},{"text":"Outside of that, I'll send an email either later today or first thing tomorrow morning just with the points that I need for the property review, and then I'll I'll get looking into that.","start":740.15497,"end":751.295,"sentiment":"neutral","sentiment_score":0.10195024947033209},{"text":"Yeah.","start":759.78,"end":760.28,"sentiment":"neutral","sentiment_score":0.01887284219264984},{"text":"No.","start":760.42,"end":760.9,"sentiment":"neutral","sentiment_score":-0.055681418627500534},{"text":"That's absolutely okay.","start":760.9,"end":762.26,"sentiment":"neutral","sentiment_score":0.05252622626721859}],"sentiment":"neutral","sentiment_score":0.10827272152528167,"num_words":52,"start":734.57,"end":762.26},{"sentences":[{"text":"I will have a look and start working through all the numbers, and I am sure I can come up with quite a number of different possibilities that we have open to us.","start":762.26,"end":771.775,"sentiment":"neutral","sentiment_score":0.09094877834572937},{"text":"And I'll just present all of them to you, and we can have a little bit more of an in-depth discussion as to if we do, what that looks like and what that may, you know, produces an outcome type of conversation.","start":771.775,"end":782.59503,"sentiment":"neutral","sentiment_score":0.10830953229396116},{"text":"Because I figure at the moment, you're probably mentally you're mentally blocked because there's the world of options, but you don't actually know what's realistic and what's not.","start":783.16,"end":790.94,"sentiment":"neutral","sentiment_score":-0.25344955309161116},{"text":"And because you don't know what possible outcomes you could actually achieve.","start":791.96,"end":795.82,"sentiment":"neutral","sentiment_score":-0.2370423786342144},{"text":"Yeah.","start":797.655,"end":798.155,"sentiment":"neutral","sentiment_score":0.12756681442260742}],"sentiment":"neutral","sentiment_score":-0.019510510120669317,"num_words":116,"start":762.26,"end":798.155},{"sentences":[{"text":"That's absolutely perfect.","start":798.29504,"end":799.67505,"sentiment":"positive","sentiment_score":0.37909478942553204},{"text":"No.","start":799.815,"end":800.135,"sentiment":"neutral","sentiment_score":-0.06728778034448624},{"text":"I will have a look, and I will come up with a number of options, and we can talk about them.","start":800.135,"end":805.275,"sentiment":"neutral","sentiment_score":0.24680820497728528},{"text":"Perfect.","start":807.639,"end":808.03894,"sentiment":"positive","sentiment_score":0.787355363368988},{"text":"Well, it was lovely speaking to you, Catherine.","start":808.03894,"end":809.639,"sentiment":"positive","sentiment_score":0.8829987049102783}],"sentiment":"positive","sentiment_score":0.414832761620774,"num_words":34,"start":798.29504,"end":809.639},{"sentences":[{"text":"Have a fantastic rest of your day, and I'll touch base with you soon.","start":809.639,"end":813.17896,"sentiment":"positive","sentiment_score":0.8071323207446507},{"text":"Thanks.","start":815.47894,"end":815.87897,"sentiment":"positive","sentiment_score":0.6677982807159424},{"text":"Bye.","start":815.87897,"end":816.37897,"sentiment":"neutral","sentiment_score":-0.11327920109033585}],"sentiment":"positive","sentiment_score":0.7408982231281698,"num_words":16,"start":809.639,"end":816.37897}]}}]},{"alternatives":[{"transcript":"You disappeared. So my North actively trades. That's Yep. Yep. So does does Macquarie do the same thing? Yep. Mhmm. And you were saying the ASX. It does have in my statement of thing, it does have international equities. Right. Okay. Okay. Okay. Okay. Mhmm. Well, are you still there? You're you're breaking up a little bit. That's alright. Mhmm. So I signed a yeah. I signed that my bonding agreement. Yeah. Yes. Do you need more information around the property? So what information do you need? What information? Sorry. The last report. Yep. Mhmm. Yep. Mhmm. Well, I've got an issue is that the I bought the residential property, and then I bought the factory next door, which is commercial. And I cannot sell the factory because before the residential one because it's underpinned by that with the equity. However, it is tenanted till I don't know when, and I can't it's not worth telling tenanted. People don't want it, tenants, and they won't pay. So I'm in a bit of a tricky situation there. No. I'm just saying these are choices I do not have. I don't know what I wanna do. I don't know what the possibilities are. This is why you're here to because I don't know. Mhmm. I beg your pardon? Yes. Mhmm. Mhmm. Okay. I'm writing it all down now. Yep. Yep. Good. Obviously. Okay. It's yeah. Tricky that we can't meet face to face because you're so far away. That's yeah. Yeah. Okay. Alright then. Is that is that yeah. Okay. I'm I'm really hoping for some creative out of the box sort of thinking because I I don't know what the possibilities are. Yeah. Okay. Yep. Okay. I I don't know what I don't know. Okay. Okay. Thank you. 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So my North actively trades. That's Yep. Yep. So does does Macquarie do the same thing?\n\nYep. Mhmm. And you were saying the ASX. It does have in my statement of thing, it does have international equities. Right.\n\nOkay. Okay. Okay. Okay. Mhmm.\n\nWell, are you still there? You're you're breaking up a little bit. That's alright. Mhmm. So I signed a yeah.\n\nI signed that my bonding agreement. Yeah. Yes. Do you need more information around the property? So what information do you need?\n\nWhat information? Sorry. The last report. Yep. Mhmm.\n\nYep. Mhmm. Well, I've got an issue is that the I bought the residential property, and then I bought the factory next door, which is commercial. And I cannot sell the factory because before the residential one because it's underpinned by that with the equity. However, it is tenanted till I don't know when, and I can't it's not worth telling tenanted.\n\nPeople don't want it, tenants, and they won't pay. So I'm in a bit of a tricky situation there. No. I'm just saying these are choices I do not have. I don't know what I wanna do.\n\nI don't know what the possibilities are. This is why you're here to because I don't know. Mhmm. I beg your pardon? Yes.\n\nMhmm. Mhmm. Okay. I'm writing it all down now. Yep.\n\nYep. Good. Obviously. Okay. It's yeah.\n\nTricky that we can't meet face to face because you're so far away. That's yeah. Yeah. Okay. Alright then.\n\nIs that is that yeah. Okay. I'm I'm really hoping for some creative out of the box sort of thinking because I I don't know what the possibilities are. Yeah. Okay.\n\nYep. Okay. I I don't know what I don't know. Okay. Okay.\n\nThank you. Bye.","paragraphs":[{"sentences":[{"text":"You disappeared.","start":0.24,"end":0.9,"sentiment":"neutral","sentiment_score":-0.23623225092887878},{"text":"So my North actively trades.","start":12.255,"end":15.075001,"sentiment":"neutral","sentiment_score":-0.012124084448441864},{"text":"That's Yep.","start":16.015,"end":62.39,"sentiment":"neutral","sentiment_score":0.018979388289153576},{"text":"Yep.","start":78.835,"end":79.335,"sentiment":"neutral","sentiment_score":0.11096229404211044},{"text":"So does does Macquarie do the same thing?","start":105.835,"end":108.735,"sentiment":"neutral","sentiment_score":0.04377150954678655}],"sentiment":"neutral","sentiment_score":-0.0018884320614031619,"num_words":18,"start":0.24,"end":108.735},{"sentences":[{"text":"Yep.","start":111.595,"end":112.095,"sentiment":"neutral","sentiment_score":0.05125303193926811},{"text":"Mhmm.","start":112.395004,"end":112.895004,"sentiment":"neutral","sentiment_score":0.030852260068058968},{"text":"And you were 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are you still there?","start":280.465,"end":281.845,"sentiment":"neutral","sentiment_score":-0.0042668389156460765},{"text":"You're you're breaking up a little bit.","start":282.99,"end":284.69,"sentiment":"neutral","sentiment_score":-0.10266532110316413},{"text":"That's alright.","start":286.11,"end":286.93,"sentiment":"neutral","sentiment_score":-0.1199672482907772},{"text":"Mhmm.","start":309.085,"end":309.585,"sentiment":"neutral","sentiment_score":0.14104455709457395},{"text":"So I signed a yeah.","start":377.11,"end":378.31,"sentiment":"neutral","sentiment_score":0.12374532222747803}],"sentiment":"neutral","sentiment_score":-0.011007738532498479,"num_words":20,"start":280.465,"end":378.31},{"sentences":[{"text":"I signed that my bonding 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report.","start":439.77,"end":440.91,"sentiment":"neutral","sentiment_score":-0.03267031659682592},{"text":"Yep.","start":454.325,"end":454.825,"sentiment":"neutral","sentiment_score":0.013953699730336666},{"text":"Mhmm.","start":457.765,"end":458.265,"sentiment":"neutral","sentiment_score":0.004844272509217262}],"sentiment":"neutral","sentiment_score":-0.012814306421205401,"num_words":8,"start":429.045,"end":458.265},{"sentences":[{"text":"Yep.","start":464.57,"end":465.07,"sentiment":"neutral","sentiment_score":0.041573867201805115},{"text":"Mhmm.","start":467.93,"end":468.43,"sentiment":"neutral","sentiment_score":0.024292990565299988},{"text":"Well, I've got an issue is that the I bought the residential property, and then I bought the factory next door, which is commercial.","start":482.165,"end":495.83,"sentiment":"neutral","sentiment_score":-0.24148339747140804},{"text":"And I cannot sell the factory because before the residential one because it's underpinned by that with the equity.","start":496.37,"end":504.695,"sentiment":"negative","sentiment_score":-0.36300847718590185},{"text":"However, it is tenanted till I don't know when, and I can't it's not worth telling tenanted.","start":506.51498,"end":514.295,"sentiment":"negative","sentiment_score":-0.37055347859859467}],"sentiment":"neutral","sentiment_score":-0.30526298200411184,"num_words":62,"start":464.57,"end":514.295},{"sentences":[{"text":"People don't want it, tenants, and they won't pay.","start":514.66,"end":516.92,"sentiment":"negative","sentiment_score":-0.5136648515860239},{"text":"So I'm in a bit of a tricky situation there.","start":522.34,"end":524.92,"sentiment":"neutral","sentiment_score":-0.24392513781785966},{"text":"No.","start":537.355,"end":537.675,"sentiment":"negative","sentiment_score":-0.4651720523834229},{"text":"I'm just saying these are choices I do not have.","start":537.675,"end":540.495,"sentiment":"negative","sentiment_score":-0.5020004749298096},{"text":"I don't know what I wanna do.","start":541.435,"end":542.95496,"sentiment":"negative","sentiment_score":-0.4985134260995047}],"sentiment":"negative","sentiment_score":-0.4334325899143477,"num_words":37,"start":514.66,"end":542.95496},{"sentences":[{"text":"I don't know what the possibilities are.","start":542.95496,"end":544.95496,"sentiment":"neutral","sentiment_score":-0.33008357882499695},{"text":"This is why you're here to because I don't know.","start":544.95496,"end":549.42,"sentiment":"neutral","sentiment_score":-0.16629253774881364},{"text":"Mhmm.","start":556.51996,"end":557.01996,"sentiment":"neutral","sentiment_score":-0.04368113726377487},{"text":"I beg your pardon?","start":568.295,"end":569.195,"sentiment":"neutral","sentiment_score":-0.024293916765600443},{"text":"Yes.","start":574.07996,"end":574.57996,"sentiment":"neutral","sentiment_score":0.0371684804558754}],"sentiment":"neutral","sentiment_score":-0.1772695110058007,"num_words":23,"start":542.95496,"end":574.57996},{"sentences":[{"text":"Mhmm.","start":576.24,"end":576.74,"sentiment":"neutral","sentiment_score":0.30489957332611084},{"text":"Mhmm.","start":579.27997,"end":579.77997,"sentiment":"positive","sentiment_score":0.48944318294525146},{"text":"Okay.","start":607.52997,"end":607.69,"sentiment":"neutral","sentiment_score":0.1154424175620079},{"text":"I'm writing it all down now.","start":607.69,"end":609.38995,"sentiment":"neutral","sentiment_score":0.08044814132153988},{"text":"Yep.","start":642.72,"end":643.125,"sentiment":"neutral","sentiment_score":-0.0150311179459095}],"sentiment":"neutral","sentiment_score":0.13774429038167,"num_words":10,"start":576.24,"end":643.125},{"sentences":[{"text":"Yep.","start":645.205,"end":645.705,"sentiment":"neutral","sentiment_score":0.11052021384239195},{"text":"Good.","start":645.765,"end":646.265,"sentiment":"positive","sentiment_score":0.3409474790096283},{"text":"Obviously.","start":659.33997,"end":659.83997,"sentiment":"neutral","sentiment_score":0.10477473586797714},{"text":"Okay.","start":692.24,"end":692.74,"sentiment":"neutral","sentiment_score":0.03542456775903702},{"text":"It's yeah.","start":693.92,"end":694.98,"sentiment":"neutral","sentiment_score":-0.0814742874354124}],"sentiment":"neutral","sentiment_score":0.07145307026803493,"num_words":6,"start":645.205,"end":694.98},{"sentences":[{"text":"Tricky that we can't meet face to face because you're so far away.","start":696.64,"end":700.02,"sentiment":"negative","sentiment_score":-0.3575528057721945},{"text":"That's yeah.","start":700.08,"end":701.075,"sentiment":"neutral","sentiment_score":-0.06831379421055317},{"text":"Yeah.","start":711.695,"end":712.195,"sentiment":"neutral","sentiment_score":0.13280954957008362},{"text":"Okay.","start":712.495,"end":712.995,"sentiment":"neutral","sentiment_score":0.1217292994260788},{"text":"Alright then.","start":714.57,"end":715.31,"sentiment":"neutral","sentiment_score":0.13207123056054115}],"sentiment":"neutral","sentiment_score":-0.2245333028074942,"num_words":19,"start":696.64,"end":715.31},{"sentences":[{"text":"Is that is that yeah.","start":716.09,"end":721.87,"sentiment":"neutral","sentiment_score":0.17553946375846863},{"text":"Okay.","start":751.89996,"end":752.3,"sentiment":"neutral","sentiment_score":0.03671938180923462},{"text":"I'm I'm really hoping for some creative out of the box sort of thinking because I I don't know what the possibilities are.","start":752.3,"end":759.875,"sentiment":"neutral","sentiment_score":-0.022045116770364668},{"text":"Yeah.","start":759.935,"end":760.435,"sentiment":"neutral","sentiment_score":0.008136579766869545},{"text":"Okay.","start":770.16,"end":770.66,"sentiment":"neutral","sentiment_score":0.05838203430175781}],"sentiment":"neutral","sentiment_score":0.015287020288768315,"num_words":31,"start":716.09,"end":770.66},{"sentences":[{"text":"Yep.","start":782.16,"end":782.66,"sentiment":"neutral","sentiment_score":-0.004372102674096823},{"text":"Okay.","start":783.51996,"end":784.01996,"sentiment":"neutral","sentiment_score":-0.12483979761600494},{"text":"I I don't know what I don't know.","start":795.225,"end":797.085,"sentiment":"neutral","sentiment_score":-0.3224106803536415},{"text":"Okay.","start":805.85004,"end":806.35004,"sentiment":"positive","sentiment_score":0.4466131329536438},{"text":"Okay.","start":813.72894,"end":814.04895,"sentiment":"positive","sentiment_score":0.4668401777744293}],"sentiment":"neutral","sentiment_score":-0.1495870026992634,"num_words":12,"start":782.16,"end":814.04895},{"sentences":[{"text":"Thank you.","start":814.04895,"end":814.60895,"sentiment":"positive","sentiment_score":0.7758808135986328},{"text":"Bye.","start":814.60895,"end":815.10895,"sentiment":"positive","sentiment_score":0.4326868951320648}],"sentiment":"positive","sentiment_score":0.6614828407764435,"num_words":3,"start":814.04895,"end":815.10895}]}}]}],"paragraphs":{"transcript":"\nChannel 1: You disappeared.\n\nChannel 0: I did. Sorry about that, Catherine. Not sure what happened. The call just totally dropped out. Just to let you know, our call is recorded again.\n\nSo\n\nChannel 1: So\n\nChannel 0: yeah.\n\nChannel 1: my\n\nChannel 0: Sorry.\n\nChannel 1: North actively trades. That's\n\nChannel 0: Yeah. Yeah. So it where where your industry funds will will just have a a a group investment, so it's an investment pool. So you have your Rev Thai growth or, you know, your other investment options. MyNorth allows you to while they do have, like, those pooled index investment options, they do allow you to actually have different stocks or funds or or portfolios that they have available.\n\nThey have a requirement to obviously investigate and look into any options that they allow on platform. So they don't have everything that's possibly available on the ASX under platform because there are obviously risky assets. A lot of super funds don't allow cryptocurrency to react, so you\n\nChannel 1: Yep.\n\nChannel 0: can't, you know, go and buy Bitcoin or anything like that. But they'll have, you know, exchange trade funds that have Bitcoin orientated companies and stuff like that. So they allow for, you know, fairly open investment, but not, you know, full free reign.\n\nChannel 1: Yep.\n\nChannel 0: So it just gives us a lot more diversity where your history funds, again, might have three to, you know, maybe 10 options. Your your, you know, industry your retail funds have thousands. So, you know, sort of, I think, MyNorth has about 1,800 investment options that are available on on platform. So a lot more\n\nChannel 1: So does does Macquarie do the same thing?\n\nChannel 0: Macquarie is a retail fund as well. Yeah.\n\nChannel 1: Yep. Mhmm.\n\nChannel 0: So same same sort of same sort of, I guess, line as what your your myNorth is. Hub twenty four, there's premium, there's there's BT, which you BT has been around for years and years. They're, you know, subsidiary of Westpac. BT have a number of superannuation funds. Some of them are available to corporate BT members only.\n\nSome of them available to retail, and some of them are open sort of industry orientated, like your BT Super for Life and stuff like that. So it's just within the the realm of of different offerings that are available on market. Yeah. That makes sense?\n\nChannel 1: And you were saying the ASX. It does have in my statement of thing, it does have international equities.\n\nChannel 0: It has. Yes. So there are international offerings as well available. But all of those those options through trade available like, they they are available within the Australian market. So it's not you know, while they are international stocks, they're still available here.\n\nChannel 1: Right. Okay. Okay.\n\nChannel 0: Yeah.\n\nChannel 1: Okay. Okay.\n\nChannel 0: So yeah. So you you obviously hadn't had a nice good look at the SOA, which is fantastic with the statement of advice. So you you have sort of seen that I am looking at investing you quite diversely. You know, we've got some Europe and Japanese shares. We've got some all world excluding The US because, obviously, The US is quite within a lot of those other segments.\n\nYour s and p 500, which has a lot of a lot of your your US in there. We've\n\nChannel 1: Mhmm.\n\nChannel 0: got your Australian shares individually. You've got gold, which is a really nice it's a really nice cushion. It is a good downside protector because, you know, gold pretty much they hold fairly true with its with its share price without being an aggressive stock. So it's not something that's really gonna, you know, make you a lot of money, but it's not something that's gonna, you know, lose heaps either. Your your minerals has that really nice, you know, strength to them.\n\nAnd then your your only real, I guess, defensive asset is that core composite bond. So it's actually made up of quite a number of bonds within that. That's why it's a composite. It's not just, you know, your government anything like that. It has quite holding.\n\nSo that way, you have a nice offering across it.\n\nChannel 1: Well, are you still\n\nChannel 0: Sure.\n\nChannel 1: there?\n\nChannel 0: Yes. Still here.\n\nChannel 1: You're you're breaking up a little bit.\n\nChannel 0: Oh, I'm so sorry.\n\nChannel 1: That's alright.\n\nChannel 0: I'm I think there's a storm hanging around, and the phone lines are playing good anyway. So yeah. So there's a nice diversity to all the assets that I've recommended, which is good because we don't wanna be too heavily weighted into one area or the other. We wanna make sure that we have nice diversity across the entire asset range.\n\nChannel 1: Mhmm.\n\nChannel 0: Does that make sense? Yeah. So that's all in all, like, the the crux of the advice. The administrative side of things and what I've put popped in the SOA is that we with the opening of a new super form, we do need to make sure that the beneficiary forms all go in place and that we, you know, make sure that we we cover that off nicely. We don't wanna leave that open or, you know, inter interpretable by the trustee.\n\nWe wanna make sure that your decision for where your your super goes and goes to the right place. I have recommended that we do nominate your legal personal representative for both your my North and your rest fund, and that's purely and simply from a tax position. Because what I wanna do is I wanna make sure that the money goes to, you know, to the fam to your family properly and isn't taxed at the highest rate because, you know, you've got your two kids and they're both older. They're in their twenties. I wanna make sure that they aren't considered tax dependent that the money\n\nChannel 1: So\n\nChannel 0: that\n\nChannel 1: I\n\nChannel 0: is\n\nChannel 1: signed\n\nChannel 0: received\n\nChannel 1: a yeah. I signed that my bonding agreement.\n\nChannel 0: Yeah. That's that's received by them goes goes through them. Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Perfect. So, yeah, that's that's that's the advice points. And then from there, we are absolutely able to open up and discuss and talk about any other advice that you may wanna talk about. So whether that be, you know, future planning or whether you wanna open up and talk about any other investments or yeah. 100%.\n\nWe can talk about the properties as well.\n\nChannel 1: Yes. Do you need more information around the property?\n\nChannel 0: I definitely will. About properties. We can if you know,\n\nChannel 1: So\n\nChannel 0: like,\n\nChannel 1: what\n\nChannel 0: where\n\nChannel 1: information\n\nChannel 0: you wanna head\n\nChannel 1: do you\n\nChannel 0: with\n\nChannel 1: need?\n\nChannel 0: things,\n\nChannel 1: What\n\nChannel 0: I need\n\nChannel 1: information?\n\nChannel 0: to know what I need to know what the exact interest rate is. Like, the last report would be good for both of the properties.\n\nChannel 1: Sorry. The last report.\n\nChannel 0: Like, a your, like, mortgage, your monthly mortgage repayment report if you receive those. Because I me like, how many what what the term of the loans are\n\nChannel 1: Yep.\n\nChannel 0: exactly, for how many years, months, what\n\nChannel 1: Mhmm.\n\nChannel 0: the interest rate is, what your current repayment schedule looks like, which is all generally listed on that monthly or quarterly report that\n\nChannel 1: Yep.\n\nChannel 0: your lender will send you. And then\n\nChannel 1: Mhmm.\n\nChannel 0: what you wanna actually do, what is your goal with regards to the properties? What is it that you're wanting to to look at doing with them? Is it a is it that you wanna restructure them? Is it that you wanna look at selling them? Is it that you wanna look at expanding?\n\nOr\n\nChannel 1: Well, I've got an issue is that the I bought the residential property, and then I bought the factory next door, which is commercial. And I\n\nChannel 0: Yep.\n\nChannel 1: cannot sell the factory because before the residential one because it's underpinned by that with the equity.\n\nChannel 0: Yep. Yep.\n\nChannel 1: However, it is tenanted till I don't know when, and I can't it's not worth telling tenanted. People don't want it, tenants, and they won't pay.\n\nChannel 0: Yes. Yeah. Commercial, generally, they want it. Yeah.\n\nChannel 1: So I'm in a bit of a tricky situation there.\n\nChannel 0: So so very much looking at possibly looking at selling the the commercial, but you wanna keep the the residential. Is that what I'm getting?\n\nChannel 1: No. I'm just saying these are choices I do not have. I don't know what I wanna do. I don't know what the\n\nChannel 0: Right.\n\nChannel 1: possibilities are. This is why you're here\n\nChannel 0: You wanna\n\nChannel 1: to\n\nChannel 0: okay.\n\nChannel 1: because I don't know.\n\nChannel 0: No. That's okay. Alright. So what I will definitely need is the mortgage reports for both the properties.\n\nChannel 1: Mhmm.\n\nChannel 0: If you have either the either pretty much your tax return for last year. You've owned them both for a full twelve months or no?\n\nChannel 1: I beg your pardon?\n\nChannel 0: Have you owned both the properties for for for the last twelve months for\n\nChannel 1: Yes.\n\nChannel 0: a full tax year? Yeah? Perfect.\n\nChannel 1: Mhmm.\n\nChannel 0: So your your last tax return would be fantastic\n\nChannel 1: Mhmm.\n\nChannel 0: because that'll tell me what has come in and gone out for both of the properties. It's just the easiest way to do it for you rather than you everything you said to the accountant. So pretty much we consolidate on that tax statement. But that'll give me everything. And then if you can find out when the lease agreement for both of the property is safe, I can start having a look at both of the properties.\n\nI'll send an email through to you with what I need. That way you're not having to remember what I'm telling\n\nChannel 1: Okay. I'm\n\nChannel 0: you over\n\nChannel 1: writing\n\nChannel 0: the\n\nChannel 1: it\n\nChannel 0: phone.\n\nChannel 1: all down now.\n\nChannel 0: Look at you go. I'll still follow-up with an email, but email that through. I can start having a look into what our possibilities are with respect to the properties, where we can go, whether there's an opportunity to, you know, refinance, to move some of the equity around, whatever the case may be. I'll I'll look at how we can structure things, what we could possibly do, and what options we have available, and that'll then open it up to allow you to start making some decisions once you have, I guess, options on the table on what you can and can't do, where you're restricted\n\nChannel 1: Yep.\n\nChannel 0: and where you're not.\n\nChannel 1: Yep. Good.\n\nChannel 0: Perfect. I'm assuming in those property reports, you have the addresses for the actual properties. There'll be some one of those reports, I'm assuming. If not, can you make sure you write those down for me?\n\nChannel 1: Obviously.\n\nChannel 0: Yeah. Thank you. Perfect. I'll I'll email you through with with the list that I need just in case they didn't verbalize things that I mentally thought of. And and that way, you have it in writing.\n\nYou can just respond straight back to me when you have a chance to look at it. And then just give me a couple of weeks digging, have some looking around, and my ducks in a row, and then I'll email you. And we can either organize a time, or I can just add hot call you like I have today.\n\nChannel 1: Okay. It's yeah. Tricky that we can't meet face to face because you're so far away. That's yeah.\n\nChannel 0: I am a little bit we can 100% do do a video call. I am more than happy to video call you.\n\nChannel 1: Yeah. Okay. Alright then. Is that\n\nChannel 0: That\n\nChannel 1: is that\n\nChannel 0: that's yes. That's everything. So\n\nChannel 1: yeah.\n\nChannel 0: with with the with the statement of advice that we've done now, I'll get moving and get everything implemented. You'll hear from my team over the next couple of days to just go through the implementation stuff. They'll post you some mail, and we'll get everything moving on that side. Outside of that, I'll send an email either later today or first thing tomorrow morning just with the points that I need for the property review, and then I'll I'll get looking into that.\n\nChannel 1: Okay. I'm I'm really hoping for some creative out of the box sort of thinking because I I don't know what the possibilities are.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: No. That's absolutely okay. I will have a look and start working through all the numbers, and I am sure I can come up with quite a number of different\n\nChannel 1: Okay.\n\nChannel 0: possibilities that we have open to us. And I'll just present all of them to you, and we can have a little bit more of an in-depth discussion as to if we do, what that looks like and what that may, you know, produces an outcome type of conversation.\n\nChannel 1: Yep.\n\nChannel 0: Because I\n\nChannel 1: Okay.\n\nChannel 0: figure at the moment, you're probably mentally you're mentally blocked because there's the world of options, but you don't actually know what's realistic and what's not. And because you don't know what possible outcomes you could actually\n\nChannel 1: I\n\nChannel 0: achieve.\n\nChannel 1: I don't know what I don't know.\n\nChannel 0: Yeah. That's absolutely perfect. No. I will have a look, and I will come up with a number of options, and we can talk about them.\n\nChannel 1: Okay.\n\nChannel 0: Perfect. Well, it was lovely speaking to you, Catherine. Have a fantastic rest of your day, and I'll touch base with you soon.\n\nChannel 1: Okay. Thank you. Bye.\n\nChannel 0: Thanks. Bye.","paragraphs":[{"sentences":[{"text":"You disappeared.","start":0.24,"end":0.9,"sentiment":"neutral","sentiment_score":-0.23623225092887878}],"sentiment":"neutral","sentiment_score":-0.23623225092887878,"channel":1,"num_words":2,"start":0.24,"end":0.9},{"sentences":[{"text":"I did.","start":1.52,"end":2.08,"sentiment":"neutral","sentiment_score":-0.11644111201167107},{"text":"Sorry about that, Catherine.","start":2.08,"end":3.1999998,"sentiment":"neutral","sentiment_score":-0.162955604493618},{"text":"Not sure what happened.","start":3.1999998,"end":4.08,"sentiment":"neutral","sentiment_score":-0.22661658003926277},{"text":"The call just totally dropped out.","start":4.08,"end":5.8599997,"sentiment":"negative","sentiment_score":-0.38425421218077344},{"text":"Just to let you know, our call is recorded again.","start":8.08,"end":10.34,"sentiment":"neutral","sentiment_score":-0.07002567052841187}],"sentiment":"neutral","sentiment_score":-0.1844981900201394,"channel":0,"num_words":26,"start":1.52,"end":10.34},{"sentences":[{"text":"So","start":10.955,"end":11.455,"sentiment":"neutral","sentiment_score":-0.03083176352083683}],"sentiment":"neutral","sentiment_score":-0.03083176352083683,"channel":0,"num_words":1,"start":10.955,"end":11.455},{"sentences":[{"text":"So","start":12.255,"end":12.415,"sentiment":"neutral","sentiment_score":-0.019553152844309807}],"sentiment":"neutral","sentiment_score":-0.019553152844309807,"channel":1,"num_words":1,"start":12.255,"end":12.415},{"sentences":[{"text":"yeah.","start":12.32,"end":12.639999,"sentiment":"neutral","sentiment_score":-0.02324295975267887}],"sentiment":"neutral","sentiment_score":-0.02324295975267887,"channel":0,"num_words":1,"start":12.32,"end":12.639999},{"sentences":[{"text":"my","start":12.415,"end":12.655001,"sentiment":"neutral","sentiment_score":-0.03627573698759079}],"sentiment":"neutral","sentiment_score":-0.03627573698759079,"channel":1,"num_words":1,"start":12.415,"end":12.655001},{"sentences":[{"text":"Sorry.","start":12.639999,"end":13.139999,"sentiment":"neutral","sentiment_score":-0.04714164137840271}],"sentiment":"neutral","sentiment_score":-0.04714164137840271,"channel":0,"num_words":1,"start":12.639999,"end":13.139999},{"sentences":[{"text":"North actively trades.","start":12.655001,"end":15.075001,"sentiment":"neutral","sentiment_score":-0.0015971774701029062},{"text":"That's","start":16.015,"end":16.255001,"sentiment":"neutral","sentiment_score":0.023496314883232117}],"sentiment":"neutral","sentiment_score":0.0046761956182308495,"channel":1,"num_words":4,"start":12.655001,"end":16.255001},{"sentences":[{"text":"Yeah.","start":16.315,"end":16.555,"sentiment":"neutral","sentiment_score":0.0482848659157753},{"text":"Yeah.","start":16.555,"end":17.035,"sentiment":"neutral","sentiment_score":0.07578940689563751},{"text":"So it where where your industry funds will will just have a a a group investment, so it's an investment pool.","start":17.035,"end":25.055,"sentiment":"neutral","sentiment_score":0.11137966031119936},{"text":"So you have your Rev Thai growth or, you know, your other investment options.","start":25.195,"end":30.17,"sentiment":"neutral","sentiment_score":0.12053272819944791},{"text":"MyNorth allows you to while they do have, like, those pooled index investment options, they do allow you to actually have different stocks or funds or or portfolios that they have available.","start":31.75,"end":43.425,"sentiment":"neutral","sentiment_score":0.13458400988020003}],"sentiment":"neutral","sentiment_score":0.1225680239174677,"channel":0,"num_words":69,"start":16.315,"end":43.425},{"sentences":[{"text":"They have a requirement to obviously investigate and look into any options that they allow on platform.","start":43.485,"end":50.625,"sentiment":"neutral","sentiment_score":0.04463736011701472},{"text":"So they don't have everything that's possibly available on the ASX under platform because there are obviously risky assets.","start":50.925,"end":58.0,"sentiment":"neutral","sentiment_score":-0.043731869933636563},{"text":"A lot of super funds don't allow cryptocurrency to react, so you","start":58.460003,"end":61.980003,"sentiment":"neutral","sentiment_score":-0.030593606643378735}],"sentiment":"neutral","sentiment_score":-0.009149868468133112,"channel":0,"num_words":48,"start":43.485,"end":61.980003},{"sentences":[{"text":"Yep.","start":61.89,"end":62.39,"sentiment":"neutral","sentiment_score":0.014462461695075037}],"sentiment":"neutral","sentiment_score":0.014462461695075037,"channel":1,"num_words":1,"start":61.89,"end":62.39},{"sentences":[{"text":"can't, you know, go and buy Bitcoin or anything like that.","start":61.980003,"end":64.62,"sentiment":"neutral","sentiment_score":-0.0067455746572126045},{"text":"But they'll have, you know, exchange trade funds that have Bitcoin orientated companies and stuff like that.","start":64.62,"end":71.020004,"sentiment":"neutral","sentiment_score":0.06805850653087392},{"text":"So they allow for, you know, fairly open investment, but not, you know, full free reign.","start":71.020004,"end":77.805,"sentiment":"neutral","sentiment_score":0.09731825068593025}],"sentiment":"neutral","sentiment_score":0.059997393199327315,"channel":0,"num_words":44,"start":61.980003,"end":77.805},{"sentences":[{"text":"Yep.","start":78.835,"end":79.335,"sentiment":"neutral","sentiment_score":0.11096229404211044}],"sentiment":"neutral","sentiment_score":0.11096229404211044,"channel":1,"num_words":1,"start":78.835,"end":79.335},{"sentences":[{"text":"So it just gives us a lot more diversity where your history funds, again, might have three to, you know, maybe 10 options.","start":80.345,"end":86.285,"sentiment":"neutral","sentiment_score":0.1513099702803985},{"text":"Your your, you know, industry your retail funds have thousands.","start":91.3,"end":93.72,"sentiment":"neutral","sentiment_score":0.10761144459247589},{"text":"So, you know, sort of, I think, MyNorth has about 1,800 investment options that are available on on 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years.","start":119.97,"end":127.909996,"sentiment":"neutral","sentiment_score":0.05158323887735605},{"text":"They're, you know, subsidiary of Westpac.","start":128.29,"end":131.75,"sentiment":"neutral","sentiment_score":0.05855013864735762},{"text":"BT have a number of superannuation funds.","start":132.525,"end":135.825,"sentiment":"neutral","sentiment_score":0.07270196186644691},{"text":"Some of them are available to corporate BT members only.","start":136.045,"end":139.425,"sentiment":"neutral","sentiment_score":0.07411216199398041}],"sentiment":"neutral","sentiment_score":0.05708514003018881,"channel":0,"num_words":58,"start":113.255,"end":139.425},{"sentences":[{"text":"Some of them available to retail, and some of them are open sort of industry orientated, like your BT Super for Life and stuff like that.","start":139.565,"end":146.785,"sentiment":"neutral","sentiment_score":0.09851688103607067},{"text":"So it's just within the the realm of of different offerings that are available on market.","start":148.46,"end":153.84,"sentiment":"neutral","sentiment_score":0.04172985348850489},{"text":"Yeah.","start":155.34,"end":155.84,"sentiment":"neutral","sentiment_score":0.09598925709724426},{"text":"That makes sense?","start":156.14,"end":157.28,"sentiment":"neutral","sentiment_score":0.08762635290622711}],"sentiment":"neutral","sentiment_score":0.07799967127325742,"channel":0,"num_words":46,"start":139.565,"end":157.28},{"sentences":[{"text":"And you were saying the ASX.","start":159.795,"end":161.415,"sentiment":"neutral","sentiment_score":0.04776022396981716},{"text":"It does have in my statement of thing, it does have international equities.","start":162.115,"end":168.535,"sentiment":"neutral","sentiment_score":0.07031077648011538}],"sentiment":"neutral","sentiment_score":0.06318954937160015,"channel":1,"num_words":19,"start":159.795,"end":168.535},{"sentences":[{"text":"It 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email you through with with the list that I need just in case they didn't verbalize things that I mentally thought of.","start":664.695,"end":672.47504,"sentiment":"neutral","sentiment_score":0.3202216712137063},{"text":"And and that way, you have it in writing.","start":674.03,"end":675.63,"sentiment":"neutral","sentiment_score":0.2748747074769603}],"sentiment":"neutral","sentiment_score":0.3217388070314317,"channel":0,"num_words":37,"start":660.775,"end":675.63},{"sentences":[{"text":"You can just respond straight back to me when you have a chance to look at it.","start":675.63,"end":678.93,"sentiment":"neutral","sentiment_score":0.15588445567032871},{"text":"And then just give me a couple of weeks digging, have some looking around, and my ducks in a row, and then I'll email you.","start":679.07,"end":685.95,"sentiment":"neutral","sentiment_score":0.13324359625577928},{"text":"And we can either organize a time, or I can just add hot call you like I have today.","start":685.95,"end":689.925,"sentiment":"neutral","sentiment_score":0.117393779911493}],"sentiment":"neutral","sentiment_score":0.13461651591981044,"channel":0,"num_words":61,"start":675.63,"end":689.925},{"sentences":[{"text":"Okay.","start":692.24,"end":692.74,"sentiment":"neutral","sentiment_score":0.03542456775903702},{"text":"It's yeah.","start":693.92,"end":694.98,"sentiment":"neutral","sentiment_score":-0.0814742874354124},{"text":"Tricky that we can't meet face to face because you're so far away.","start":696.64,"end":700.02,"sentiment":"negative","sentiment_score":-0.3575528057721945},{"text":"That's yeah.","start":700.08,"end":701.075,"sentiment":"neutral","sentiment_score":-0.06831379421055317}],"sentiment":"neutral","sentiment_score":-0.27290767058730125,"channel":1,"num_words":18,"start":692.24,"end":701.075},{"sentences":[{"text":"I am a little bit we can 100% do do a video call.","start":701.6,"end":705.2,"sentiment":"neutral","sentiment_score":0.2466694930425057},{"text":"I am more than happy to video call you.","start":705.2,"end":707.46,"sentiment":"positive","sentiment_score":0.6477112703853183}],"sentiment":"positive","sentiment_score":0.41073203831911087,"channel":0,"num_words":22,"start":701.6,"end":707.46},{"sentences":[{"text":"Yeah.","start":711.695,"end":712.195,"sentiment":"neutral","sentiment_score":0.13280954957008362},{"text":"Okay.","start":712.495,"end":712.995,"sentiment":"neutral","sentiment_score":0.1217292994260788},{"text":"Alright then.","start":714.57,"end":715.31,"sentiment":"neutral","sentiment_score":0.13207123056054115},{"text":"Is that","start":716.09,"end":716.83,"sentiment":"neutral","sentiment_score":0.09573357552289963}],"sentiment":"neutral","sentiment_score":0.11835807686050732,"channel":1,"num_words":6,"start":711.695,"end":716.83},{"sentences":[{"text":"That","start":717.995,"end":718.315,"sentiment":"neutral","sentiment_score":0.14731347560882568}],"sentiment":"neutral","sentiment_score":0.14731347560882568,"channel":0,"num_words":1,"start":717.995,"end":718.315},{"sentences":[{"text":"is that","start":718.17004,"end":718.65,"sentiment":"neutral","sentiment_score":0.25687064975500107}],"sentiment":"neutral","sentiment_score":0.25687064975500107,"channel":1,"num_words":2,"start":718.17004,"end":718.65},{"sentences":[{"text":"that's yes.","start":718.395,"end":719.755,"sentiment":"positive","sentiment_score":0.3532947301864624},{"text":"That's everything.","start":719.755,"end":720.575,"sentiment":"positive","sentiment_score":0.3463890254497528},{"text":"So","start":720.795,"end":721.295,"sentiment":"neutral","sentiment_score":0.22209978103637695}],"sentiment":"neutral","sentiment_score":0.3242934584617615,"channel":0,"num_words":5,"start":718.395,"end":721.295},{"sentences":[{"text":"yeah.","start":721.37,"end":721.87,"sentiment":"neutral","sentiment_score":0.17248886823654175}],"sentiment":"neutral","sentiment_score":0.17248886823654175,"channel":1,"num_words":1,"start":721.37,"end":721.87},{"sentences":[{"text":"with with the with the statement of advice that we've done now, I'll get moving and get everything implemented.","start":722.235,"end":729.77,"sentiment":"neutral","sentiment_score":0.18908423106921346},{"text":"You'll hear from my team over the next couple of days to just go through the implementation stuff.","start":729.77,"end":734.57,"sentiment":"neutral","sentiment_score":0.17749824126561484},{"text":"They'll post you some mail, and we'll get everything moving on that side.","start":734.57,"end":738.99,"sentiment":"neutral","sentiment_score":0.15716176422742698},{"text":"Outside of that, I'll send an email either later today or first thing tomorrow morning just with the points that I need for the property review, and then I'll I'll get looking into that.","start":740.15497,"end":751.295,"sentiment":"neutral","sentiment_score":0.10195024947033209}],"sentiment":"neutral","sentiment_score":0.1463926208338567,"channel":0,"num_words":84,"start":722.235,"end":751.295},{"sentences":[{"text":"Okay.","start":751.89996,"end":752.3,"sentiment":"neutral","sentiment_score":0.03671938180923462},{"text":"I'm I'm really hoping for some creative out of the box sort of thinking because I I don't know what the possibilities are.","start":752.3,"end":759.875,"sentiment":"neutral","sentiment_score":-0.022045116770364668}],"sentiment":"neutral","sentiment_score":-0.0195965959962147,"channel":1,"num_words":24,"start":751.89996,"end":759.875},{"sentences":[{"text":"Yeah.","start":759.78,"end":760.28,"sentiment":"neutral","sentiment_score":0.01887284219264984}],"sentiment":"neutral","sentiment_score":0.01887284219264984,"channel":0,"num_words":1,"start":759.78,"end":760.28},{"sentences":[{"text":"Yeah.","start":759.935,"end":760.435,"sentiment":"neutral","sentiment_score":0.008136579766869545}],"sentiment":"neutral","sentiment_score":0.008136579766869545,"channel":1,"num_words":1,"start":759.935,"end":760.435},{"sentences":[{"text":"No.","start":760.42,"end":760.9,"sentiment":"neutral","sentiment_score":-0.055681418627500534},{"text":"That's absolutely okay.","start":760.9,"end":762.26,"sentiment":"neutral","sentiment_score":0.05252622626721859},{"text":"I will have a look and start working through all the numbers, and I am sure I can come up with quite a number of different","start":762.26,"end":769.795,"sentiment":"neutral","sentiment_score":0.08228184483372249}],"sentiment":"neutral","sentiment_score":0.07470750752836466,"channel":0,"num_words":30,"start":760.42,"end":769.795},{"sentences":[{"text":"Okay.","start":770.16,"end":770.66,"sentiment":"neutral","sentiment_score":0.05838203430175781}],"sentiment":"neutral","sentiment_score":0.05838203430175781,"channel":1,"num_words":1,"start":770.16,"end":770.66},{"sentences":[{"text":"possibilities that we have open to us.","start":770.255,"end":771.775,"sentiment":"neutral","sentiment_score":0.12314024567604065},{"text":"And I'll just present all of them to you, and we can have a little bit more of an in-depth discussion as to if we do, what that looks like and what that may, you know, produces an outcome type of conversation.","start":771.775,"end":782.59503,"sentiment":"neutral","sentiment_score":0.10830953229396116}],"sentiment":"neutral","sentiment_score":0.11042820563425823,"channel":0,"num_words":49,"start":770.255,"end":782.59503},{"sentences":[{"text":"Yep.","start":782.16,"end":782.66,"sentiment":"neutral","sentiment_score":-0.004372102674096823}],"sentiment":"neutral","sentiment_score":-0.004372102674096823,"channel":1,"num_words":1,"start":782.16,"end":782.66},{"sentences":[{"text":"Because I","start":783.16,"end":783.56,"sentiment":"neutral","sentiment_score":-0.09975941851735115}],"sentiment":"neutral","sentiment_score":-0.09975941851735115,"channel":0,"num_words":2,"start":783.16,"end":783.56},{"sentences":[{"text":"Okay.","start":783.51996,"end":784.01996,"sentiment":"neutral","sentiment_score":-0.12483979761600494}],"sentiment":"neutral","sentiment_score":-0.12483979761600494,"channel":1,"num_words":1,"start":783.51996,"end":784.01996},{"sentences":[{"text":"figure at the moment, you're probably mentally you're mentally blocked because there's the world of options, but you don't actually know what's realistic and what's not.","start":783.56,"end":790.94,"sentiment":"neutral","sentiment_score":-0.26527187113578504},{"text":"And because you don't know what possible outcomes you could actually","start":791.96,"end":795.32,"sentiment":"neutral","sentiment_score":-0.2382780760526657}],"sentiment":"neutral","sentiment_score":-0.2572466888137766,"channel":0,"num_words":37,"start":783.56,"end":795.32},{"sentences":[{"text":"I","start":795.225,"end":795.465,"sentiment":"neutral","sentiment_score":-0.1679609715938568}],"sentiment":"neutral","sentiment_score":-0.1679609715938568,"channel":1,"num_words":1,"start":795.225,"end":795.465},{"sentences":[{"text":"achieve.","start":795.32,"end":795.82,"sentiment":"neutral","sentiment_score":-0.22344970703125}],"sentiment":"neutral","sentiment_score":-0.22344970703125,"channel":0,"num_words":1,"start":795.32,"end":795.82},{"sentences":[{"text":"I don't know what I don't know.","start":795.465,"end":797.085,"sentiment":"negative","sentiment_score":-0.3444749244621822}],"sentiment":"negative","sentiment_score":-0.3444749244621822,"channel":1,"num_words":7,"start":795.465,"end":797.085},{"sentences":[{"text":"Yeah.","start":797.655,"end":798.155,"sentiment":"neutral","sentiment_score":0.12756681442260742},{"text":"That's absolutely perfect.","start":798.29504,"end":799.67505,"sentiment":"positive","sentiment_score":0.37909478942553204},{"text":"No.","start":799.815,"end":800.135,"sentiment":"neutral","sentiment_score":-0.06728778034448624},{"text":"I will have a look, and I will come up with a number of options, and we can talk about them.","start":800.135,"end":805.275,"sentiment":"neutral","sentiment_score":0.24680820497728528}],"sentiment":"neutral","sentiment_score":0.24540521949529648,"channel":0,"num_words":26,"start":797.655,"end":805.275},{"sentences":[{"text":"Okay.","start":805.85004,"end":806.35004,"sentiment":"positive","sentiment_score":0.4466131329536438}],"sentiment":"positive","sentiment_score":0.4466131329536438,"channel":1,"num_words":1,"start":805.85004,"end":806.35004},{"sentences":[{"text":"Perfect.","start":807.639,"end":808.03894,"sentiment":"positive","sentiment_score":0.787355363368988},{"text":"Well, it was lovely speaking to you, Catherine.","start":808.03894,"end":809.639,"sentiment":"positive","sentiment_score":0.8829987049102783},{"text":"Have a fantastic rest of your day, and I'll touch base with you soon.","start":809.639,"end":813.17896,"sentiment":"positive","sentiment_score":0.8071323207446507}],"sentiment":"positive","sentiment_score":0.8326607605685359,"channel":0,"num_words":23,"start":807.639,"end":813.17896},{"sentences":[{"text":"Okay.","start":813.72894,"end":814.04895,"sentiment":"positive","sentiment_score":0.4668401777744293},{"text":"Thank you.","start":814.04895,"end":814.60895,"sentiment":"positive","sentiment_score":0.7758808135986328},{"text":"Bye.","start":814.60895,"end":815.10895,"sentiment":"positive","sentiment_score":0.4326868951320648}],"sentiment":"positive","sentiment_score":0.6128221750259399,"channel":1,"num_words":4,"start":813.72894,"end":815.10895},{"sentences":[{"text":"Thanks.","start":815.47894,"end":815.87897,"sentiment":"positive","sentiment_score":0.6677982807159424},{"text":"Bye.","start":815.87897,"end":816.37897,"sentiment":"neutral","sentiment_score":-0.11327920109033585}],"sentiment":"neutral","sentiment_score":0.27725953981280327,"channel":0,"num_words":2,"start":815.47894,"end":816.37897}]},"summary":{"result":"success","short":"The speaker discusses the investment opportunities available on the ASX platform, including retail funds and international equities, and emphasizes the need for proper legal signatures and beneficiary forms. They recommend diversity across asset ranges and offer to discuss further investment opportunities with the customer. The speaker emphasizes the risks and benefits of investing in US stocks, including gold and minerals, and suggests nominating a legal personal representative for both properties. They will need mortgage reports for both properties and will provide more information once they have a chance. The customer is hoping for creative solutions and will have a look at all options."},"intents":{"segments":[{"text":"So whether that be, you know, future planning or whether you wanna open up and talk about any other investments or yeah.","start_word":1010,"end_word":1031,"intents":[{"intent":"Discuss investments","confidence_score":0.059255477}]},{"text":"to know what I need to know what the exact interest rate is. Like, the last report would be good for both of the properties.","start_word":1077,"end_word":1101,"intents":[{"intent":"Inquire about interest rate","confidence_score":0.07638172}]},{"text":"What is it that you're wanting to to look at doing with them? Is it a is it that you wanna restructure them?","start_word":1189,"end_word":1211,"intents":[{"intent":"Discuss property restructure","confidence_score":0.010115308}]},{"text":"Commercial, generally, they want it. Yeah.","start_word":1304,"end_word":1309,"intents":[{"intent":"Discuss commercial property options","confidence_score":0.17939173}]},{"text":"So what I will definitely need is the mortgage reports for both the properties.","start_word":1388,"end_word":1401,"intents":[{"intent":"Seek mortgage reports","confidence_score":0.008177593}]},{"text":"If you have either the either pretty much your tax return for last year. You've owned them both for a full twelve months or no?","start_word":1404,"end_word":1428,"intents":[{"intent":"Consolidate tax return","confidence_score":0.44808328},{"intent":"Structure tax return","confidence_score":0.00017210293}]},{"text":"And then if you can find out when the lease agreement for both of the property is safe, I can start having a look at both of the properties.","start_word":1513,"end_word":1541,"intents":[{"intent":"Receive lease agreement","confidence_score":0.021814357}]},{"text":"I'm assuming in those property reports, you have the addresses for the actual properties. There'll be some one of those reports, I'm assuming. If not, can you make sure you write those down for me? Obviously.","start_word":1689,"end_word":1724,"intents":[{"intent":"Address properties","confidence_score":0.031270042}]},{"text":"You can just respond straight back to me when you have a chance to look at it. And then just give me a couple of weeks digging, have some looking around, and my ducks in a row, and then I'll email you. And we can either organize a time, or I can just add hot call you like I have today.","start_word":1763,"end_word":1823,"intents":[{"intent":"Request call","confidence_score":0.013614379}]},{"text":"with with the with the statement of advice that we've done now, I'll get moving and get everything implemented.","start_word":1878,"end_word":1896,"intents":[{"intent":"Discuss implementation","confidence_score":0.25454515}]},{"text":"Outside of that, I'll send an email either later today or first thing tomorrow morning just with the points that I need for the property review, and then I'll I'll get looking into that. Okay.","start_word":1928,"end_word":1962,"intents":[{"intent":"Send email","confidence_score":0.24454941}]},{"text":"Okay.","start_word":1962,"end_word":1962,"intents":[{"intent":"Show potential points","confidence_score":0.000029190765}]},{"text":"figure at the moment, you're probably mentally you're mentally blocked because there's the world of options, but you don't actually know what's realistic and what's not. And because you don't know what possible outcomes you could actually I achieve. I don't know what I don't know. Yeah.","start_word":2072,"end_word":2118,"intents":[{"intent":"Consider options","confidence_score":0.0019110452}]}]},"sentiments":{"segments":[{"text":"You disappeared. I did. Sorry about that, Catherine. Not sure what happened.","start_word":0,"end_word":11,"sentiment":"neutral","sentiment_score":-0.17454136908054352},{"text":"The call just totally dropped out.","start_word":12,"end_word":17,"sentiment":"negative","sentiment_score":-0.37084686756134033},{"text":"Just to let you know, our call is recorded again. So So yeah. my Sorry. North actively trades. That's Yeah. Yeah. So it where where your industry funds will will just have a a a group investment, so it's an investment pool. So you have your Rev Thai growth or, you know, your other investment options. MyNorth allows you to while they do have, like, those pooled index investment options, they do allow you to actually have different stocks or funds or or portfolios that they have available. They have a requirement to obviously investigate and look into any options that they allow on platform. So they don't have everything that's possibly available on the ASX under platform because there are obviously risky assets. A lot of super funds don't allow cryptocurrency to react, so you Yep. can't, you know, go and buy Bitcoin or anything like that. But they'll have, you know, exchange trade funds that have Bitcoin orientated companies and stuff like that. So they allow for, you know, fairly open investment, but not, you know, full free reign. Yep. So it just gives us a lot more diversity where your history funds, again, might have three to, you know, maybe 10 options. Your your, you know, industry your retail funds have thousands. So, you know, sort of, I think, MyNorth has about 1,800 investment options that are available on on platform. So a lot more So does does Macquarie do the same thing? Macquarie is a retail fund as well. Yeah. Yep. Mhmm. So same same sort of same sort of, I guess, line as what your your myNorth is. Hub twenty four, there's premium, there's there's BT, which you BT has been around for years and years. They're, you know, subsidiary of Westpac. BT have a number of superannuation funds. Some of them are available to corporate BT members only. Some of them available to retail, and some of them are open sort of industry orientated, like your BT Super for Life and stuff like that. So it's just within the the realm of of different offerings that are available on market. Yeah. That makes sense? And you were saying the ASX. It does have in my statement of thing, it does have international equities. It has. Yes. So there are international offerings as well available. But all of those those options through trade available like, they they are available within the Australian market. So it's not you know, while they are international stocks, they're still available here. Right. Okay. Okay. Yeah. Okay. Okay. So yeah.","start_word":18,"end_word":447,"sentiment":"neutral","sentiment_score":0.062332266118637354},{"text":"So you you obviously hadn't had a nice good look at the SOA, which is fantastic with the statement of advice.","start_word":448,"end_word":468,"sentiment":"positive","sentiment_score":0.3451719284057617},{"text":"So you you have sort of seen that I am looking at investing you quite diversely. You know, we've got some Europe and Japanese shares. We've got some all world excluding The US because, obviously, The US is quite within a lot of those other segments. Your s and p 500, which has a lot of a lot of your your US in there. We've Mhmm. got your Australian shares individually.","start_word":469,"end_word":539,"sentiment":"neutral","sentiment_score":0.12205034494400024},{"text":"You've got gold, which is a really nice it's a really nice cushion.","start_word":540,"end_word":552,"sentiment":"positive","sentiment_score":0.5890657305717468},{"text":"It is a good downside protector because, you know, gold pretty much they hold fairly true with its with its share price without being an aggressive stock. So it's not something that's really gonna, you know, make you a lot of money, but it's not something that's gonna, you know, lose heaps either.","start_word":553,"end_word":605,"sentiment":"neutral","sentiment_score":0.18987609446048737},{"text":"Your your minerals has that really nice, you know, strength to them.","start_word":606,"end_word":617,"sentiment":"positive","sentiment_score":0.5076805949211121},{"text":"And then your your only real, I guess, defensive asset is that core composite bond. So it's actually made up of quite a number of bonds within that. That's why it's a composite. It's not just, you know, your government anything like that.","start_word":618,"end_word":660,"sentiment":"neutral","sentiment_score":0.2715933322906494},{"text":"It has quite holding. So that way, you have a nice offering across it.","start_word":661,"end_word":674,"sentiment":"positive","sentiment_score":0.4669767916202545},{"text":"Well, are you still Sure. there? Yes. Still here. You're you're breaking up a little bit. Oh, I'm so sorry. That's alright.","start_word":675,"end_word":696,"sentiment":"neutral","sentiment_score":-0.07984752207994461},{"text":"I'm I think there's a storm hanging around, and the phone lines are playing good anyway. So yeah. So there's a nice diversity to all the assets that I've recommended, which is good because we don't wanna be too heavily weighted into one area or the other. We wanna make sure that we have nice diversity across the entire asset range.","start_word":697,"end_word":757,"sentiment":"positive","sentiment_score":0.524924635887146},{"text":"Does Mhmm. that make sense? Yeah. So that's all in all, like, the the crux of the advice. The administrative side of things and what I've put popped in the SOA is that we with the opening of a new super form, we do need to make sure that the beneficiary forms all go in place and that we, you know, make sure that we we cover that off nicely. We don't wanna leave that open or, you know, inter interpretable by the trustee. We wanna make sure that your decision for where your your super goes and goes to the right place. I have recommended that we do nominate your legal personal representative for both your my North and your rest fund, and that's purely and simply from a tax position.","start_word":758,"end_word":889,"sentiment":"neutral","sentiment_score":0.2047778367996216},{"text":"Because what I wanna do is I wanna make sure that the money goes to, you know, to the fam to your family properly and isn't taxed at the highest rate because, you know, you've got your two kids and they're both older.","start_word":890,"end_word":932,"sentiment":"positive","sentiment_score":0.3495808243751526},{"text":"They're in their twenties. I wanna make sure that they aren't considered tax dependent that the money So that I is signed received a yeah. I signed that my bonding agreement. Yeah. That's that's received by them goes goes through them. Yeah.","start_word":933,"end_word":974,"sentiment":"neutral","sentiment_score":0.1703309714794159},{"text":"Yeah. Perfect. So, yeah, that's that's that's the advice points. And then from there, we are absolutely able to open up and discuss and talk about any other advice that you may wanna talk about.","start_word":975,"end_word":1009,"sentiment":"positive","sentiment_score":0.4089207351207733},{"text":"So whether that be, you know, future planning or whether you wanna open up and talk about any other investments or yeah. 100%. We can talk about the properties as well. Yes. Do you need more information around the property? I definitely will. About properties. We can if you know, So like, what where information you wanna head do you with need? things, What I need information? to know what I need to know what the exact interest rate is. Like, the last report would be good for both of the properties. Sorry. The last report. Like, a your, like, mortgage, your monthly mortgage repayment report if you receive those. Because I me like, how many what what the term of the loans are Yep. exactly, for how many years, months, what Mhmm. the interest rate is, what your current repayment schedule looks like, which is all generally listed on that monthly or quarterly report that Yep. your lender will send you. And then Mhmm. what you wanna actually do, what is your goal with regards to the properties? What is it that you're wanting to to look at doing with them? Is it a is it that you wanna restructure them? Is it that you wanna look at selling them? Is it that you wanna look at expanding? Or Well, I've got an issue is that the I bought the residential property, and then I bought the factory next door, which is commercial. And I Yep.","start_word":1010,"end_word":1256,"sentiment":"neutral","sentiment_score":0.02699740974586985},{"text":"cannot sell the factory because before the residential one because it's underpinned by that with the equity.","start_word":1257,"end_word":1273,"sentiment":"negative","sentiment_score":-0.3580878674983978},{"text":"Yep. Yep.","start_word":1274,"end_word":1275,"sentiment":"neutral","sentiment_score":-0.06812439858913422},{"text":"However, it is tenanted till I don't know when, and I can't it's not worth telling tenanted. People don't want it, tenants, and they won't pay.","start_word":1276,"end_word":1301,"sentiment":"negative","sentiment_score":-0.4221936166286469},{"text":"Yes. Yeah. Commercial, generally, they want it. Yeah. So I'm in a bit of a tricky situation there. So so very much looking at possibly looking at selling the the commercial, but you wanna keep the the residential. Is that what I'm getting?","start_word":1302,"end_word":1344,"sentiment":"neutral","sentiment_score":-0.1446405053138733},{"text":"No. I'm just saying these are choices I do not have. I don't know what I wanna do.","start_word":1345,"end_word":1362,"sentiment":"negative","sentiment_score":-0.49178916215896606},{"text":"I don't know what the Right. possibilities are. This is why you're here You wanna to okay. because I don't know. No. That's okay. Alright. So what I will definitely need is the mortgage reports for both the properties. Mhmm. If you have either the either pretty much your tax return for last year. You've owned them both for a full twelve months or no? I beg your pardon? Have you owned both the properties for for for the last twelve months for Yes. a full tax year? Yeah?","start_word":1363,"end_word":1451,"sentiment":"neutral","sentiment_score":-0.04474085548453117},{"text":"Perfect.","start_word":1452,"end_word":1452,"sentiment":"positive","sentiment_score":0.5282428860664368},{"text":"Mhmm.","start_word":1453,"end_word":1453,"sentiment":"neutral","sentiment_score":0.30489957332611084},{"text":"So your your last tax return would be fantastic Mhmm. because that'll tell me what has come in and gone out for both of the properties. It's just the easiest way to do it for you rather than you everything you said to the accountant. So pretty much we consolidate on that tax statement. But that'll give me everything.","start_word":1454,"end_word":1512,"sentiment":"positive","sentiment_score":0.45059579610824585},{"text":"And then if you can find out when the lease agreement for both of the property is safe, I can start having a look at both of the properties. I'll send an email through to you with what I need. That way you're not having to remember what I'm telling Okay. I'm you over writing the it phone. all down now. Look at you go. I'll still follow-up with an email, but email that through. I can start having a look into what our possibilities are with respect to the properties, where we can go, whether there's an opportunity to, you know, refinance, to move some of the equity around, whatever the case may be. I'll I'll look at how we can structure things, what we could possibly do, and what options we have available, and that'll then open it up to allow you to start making some decisions once you have, I guess, options on the table on what you can and can't do, where you're restricted Yep. and where you're not. Yep.","start_word":1513,"end_word":1686,"sentiment":"neutral","sentiment_score":0.1623404324054718},{"text":"Good. Perfect.","start_word":1687,"end_word":1688,"sentiment":"positive","sentiment_score":0.3830140829086304},{"text":"I'm assuming in those property reports, you have the addresses for the actual properties. There'll be some one of those reports, I'm assuming. If not, can you make sure you write those down for me? Obviously. Yeah.","start_word":1689,"end_word":1725,"sentiment":"neutral","sentiment_score":0.11022334545850754},{"text":"Thank you. Perfect.","start_word":1726,"end_word":1728,"sentiment":"positive","sentiment_score":0.5009891390800476},{"text":"I'll I'll email you through with with the list that I need just in case they didn't verbalize things that I mentally thought of. And and that way, you have it in writing. You can just respond straight back to me when you have a chance to look at it. And then just give me a couple of weeks digging, have some looking around, and my ducks in a row, and then I'll email you. And we can either organize a time, or I can just add hot call you like I have today. Okay. It's yeah.","start_word":1729,"end_word":1825,"sentiment":"neutral","sentiment_score":0.18516082278231985},{"text":"Tricky that we can't meet face to face because you're so far away.","start_word":1826,"end_word":1838,"sentiment":"negative","sentiment_score":-0.35487231612205505},{"text":"That's yeah. I am a little bit we can 100% do do a video call.","start_word":1839,"end_word":1853,"sentiment":"neutral","sentiment_score":0.1657881140708923},{"text":"I am more than happy to video call you.","start_word":1854,"end_word":1862,"sentiment":"positive","sentiment_score":0.6282762289047241},{"text":"Yeah. Okay. Alright then. Is that That is that that's yes.","start_word":1863,"end_word":1873,"sentiment":"neutral","sentiment_score":0.19787557423114777},{"text":"That's everything.","start_word":1874,"end_word":1875,"sentiment":"positive","sentiment_score":0.3544427752494812},{"text":"So yeah. with with the with the statement of advice that we've done now, I'll get moving and get everything implemented. You'll hear from my team over the next couple of days to just go through the implementation stuff. They'll post you some mail, and we'll get everything moving on that side. Outside of that, I'll send an email either later today or first thing tomorrow morning just with the points that I need for the property review, and then I'll I'll get looking into that. Okay. I'm I'm really hoping for some creative out of the box sort of thinking because I I don't know what the possibilities are. Yeah. Yeah. No. That's absolutely okay. I will have a look and start working through all the numbers, and I am sure I can come up with quite a number of different Okay. possibilities that we have open to us. And I'll just present all of them to you, and we can have a little bit more of an in-depth discussion as to if we do, what that looks like and what that may, you know, produces an outcome type of conversation. Yep. Because I Okay. figure at the moment, you're probably mentally you're mentally blocked because there's the world of options, but you don't actually know what's realistic and what's not. And because you don't know what possible outcomes you could actually I achieve.","start_word":1876,"end_word":2110,"sentiment":"neutral","sentiment_score":0.03108141757547855},{"text":"I don't know what I don't know.","start_word":2111,"end_word":2117,"sentiment":"negative","sentiment_score":-0.33451688289642334},{"text":"Yeah.","start_word":2118,"end_word":2118,"sentiment":"neutral","sentiment_score":0.12756681442260742},{"text":"That's absolutely perfect.","start_word":2119,"end_word":2121,"sentiment":"positive","sentiment_score":0.3764047622680664},{"text":"No. I will have a look, and I will come up with a number of options, and we can talk about them.","start_word":2122,"end_word":2143,"sentiment":"neutral","sentiment_score":0.2278438772667538},{"text":"Okay. Perfect. Well, it was lovely speaking to you, Catherine. Have a fantastic rest of your day, and I'll touch base with you soon. Okay. Thank you. Bye. Thanks. Bye.","start_word":2144,"end_word":2173,"sentiment":"positive","sentiment_score":0.7268298864364624}],"average":{"sentiment":"neutral","sentiment_score":0.11908801802052749}}}}