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Sally. It's Larissa from Oakview. How are you going? Yeah. I did.\n\nAnd it, like, picked up? Okay. Amazing. Mhmm. Yes.\n\nPenn pension. Yep. Yep. Yes. And, yes, I can calculate that.\n\nI actually think Dana did a lot of calculations around that, so I can probably give you a pretty good idea today. I'll email it through. The outcome would obviously yeah. I'll email it through and I'll yeah. No.\n\nAbsolutely. Yeah. No. Of course. Yeah.\n\nWe can we can definitely do that. Have you had any interest in the have you have you had any interest in the property? Yeah. Oh, okay. So you haven't sort of approached a real estate agent to see if there's any sort of Mhmm.\n\nYeah. Okay. Okay. Alright. That's fair.\n\nI can I will send you through the the the capital gains tax that's applicable on the property and what that that looks like? Okay? I don't. So let me look and let me try and piece together what that might mean. Let me figure out what the words mean.\n\nNo. That's okay. I'll I'll send you an email that just kind of maybe breaks down the the larger statement of advice document into simple terms and and just give you that capital gains figure as well. No. Yes.\n\nAbsolutely. Mhmm. Bye, Sally.","paragraphs":[{"sentences":[{"text":"Hi, Sally.","start":2.48,"end":3.1999998,"sentiment":"neutral","sentiment_score":0.14536207914352417},{"text":"It's Larissa from Oakview.","start":3.1999998,"end":4.88,"sentiment":"neutral","sentiment_score":0.16549238562583923},{"text":"How are you going?","start":4.88,"end":5.7799997,"sentiment":"neutral","sentiment_score":0.25854627043008804},{"text":"Yeah.","start":8.96,"end":9.28,"sentiment":"neutral","sentiment_score":0.03423450142145157},{"text":"I did.","start":9.28,"end":9.679999,"sentiment":"neutral","sentiment_score":0.0357479602098465}],"sentiment":"neutral","sentiment_score":0.16096993879630014,"num_words":13,"start":2.48,"end":9.679999},{"sentences":[{"text":"And it, like, picked 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It's Sally. Oh, good. Thank you. Did you just ring a minute ago? Yeah. It was like a delay behind the the yeah. A a delay. I could hear you and then it was like delay, no noise anyway. Look, I'm I'm wanting to ask you, can you give me an idea? And it doesn't have to be right now. Email me back or whatever. I'm looking at the current state of the world that it may not be the best time to sell the investment property. And I know there was certain advantages for going into, and I'm trying to think what it's called, the pre is not the word. Pre yeah. Pre pension phase. Is it pre yep. So what would be the difference if I did leave it and not sell it till after I was actually 67? Can you tell me a number what I would be saving if I did sell it now to know how much I can afford to drop off the price if if it all goes to shit in a couple of months, if you know what I mean. That'd be great. Great. Yeah. That'd be super. Sort of had a look through the books and that, but I was like, I'm just gonna ask you the question and and get it right. But just I thought it's just food support over the next couple of months, see what happens. So I've got a little bit of the, you know, a lot figure to to weigh everything up. Yep. Yep. Well, I'll call to your email. Well, we haven't put it on the market yet. We still got renters in there, and their lease is up in June. And that's when I was going to put it on the market. Oh, look. I have. Yes. I'm talking to a couple of agents, but, you know, they tell you what you need to hear at this stage. They don't know either what's going to happen come June. But yes. No. I've got a fair idea what it's worth at the moment. And, you know, yeah, just depending on what happens, I'd like that sort of figure what I save from doing it pre pension phase. Yeah. Okay. Alright. Lovely. Yep. Yep. Yep. And I thought there was something else, but I could be wrong. Something that she was putting money into, and I forget what it's called now, was something that I get the interest on, but I can't get any of the principal till I die, goes into my estate. I thought that was only pre pension phase as well, but I could be wrong there. Do you know what that would be? Yeah. Alright. Okay. I just I yes. I just might have made all that up, but, you know alright. Thank you. Yeah. Yeah. Yeah. Yeah. Alright. Okay. Okay. Appreciate that. Have a nice Easter. Thanks for the call. Thank you. Thanks. Bye. 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It's Sally. Oh, good. Thank you. Did you just ring a minute ago?\n\nYeah. It was like a delay behind the the yeah. A a delay. I could hear you and then it was like delay, no noise anyway. Look, I'm I'm wanting to ask you, can you give me an idea?\n\nAnd it doesn't have to be right now. Email me back or whatever. I'm looking at the current state of the world that it may not be the best time to sell the investment property. And I know there was certain advantages for going into, and I'm trying to think what it's called, the pre is not the word. Pre yeah.\n\nPre pension phase. Is it pre yep. So what would be the difference if I did leave it and not sell it till after I was actually 67? Can you tell me a number what I would be saving if I did sell it now to know how much I can afford to drop off the price if if it all goes to shit in a couple of months, if you know what I mean. That'd be great.\n\nGreat. Yeah. That'd be super. Sort of had a look through the books and that, but I was like, I'm just gonna ask you the question and and get it right. But just I thought it's just food support over the next couple of months, see what happens.\n\nSo I've got a little bit of the, you know, a lot figure to to weigh everything up. Yep. Yep. Well, I'll call to your email. Well, we haven't put it on the market yet.\n\nWe still got renters in there, and their lease is up in June. And that's when I was going to put it on the market. Oh, look. I have. Yes.\n\nI'm talking to a couple of agents, but, you know, they tell you what you need to hear at this stage. They don't know either what's going to happen come June. But yes. No. I've got a fair idea what it's worth at the moment.\n\nAnd, you know, yeah, just depending on what happens, I'd like that sort of figure what I save from doing it pre pension phase. Yeah. Okay. Alright. Lovely.\n\nYep. Yep. Yep. And I thought there was something else, but I could be wrong. Something that she was putting money into, and I forget what it's called now, was something that I get the interest on, but I can't get any of the principal till I die, goes into my estate.\n\nI thought that was only pre pension phase as well, but I could be wrong there. Do you know what that would be? Yeah. Alright. Okay.\n\nI just I yes. I just might have made all that up, but, you know alright. Thank you. Yeah. Yeah.\n\nYeah. Yeah. Alright. Okay. Okay.\n\nAppreciate that. Have a nice Easter. Thanks for the call. Thank you. Thanks.\n\nBye. Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":0.71999997,"end":1.04,"sentiment":"neutral","sentiment_score":0.04669217765331268},{"text":"It's Sally.","start":1.04,"end":1.78,"sentiment":"neutral","sentiment_score":0.04396981932222843},{"text":"Oh, good.","start":5.92,"end":6.48,"sentiment":"positive","sentiment_score":0.48702849447727203},{"text":"Thank you.","start":6.48,"end":7.2,"sentiment":"positive","sentiment_score":0.5067532062530518},{"text":"Did you just ring a minute ago?","start":7.2,"end":8.82,"sentiment":"neutral","sentiment_score":0.05742146873048374}],"sentiment":"neutral","sentiment_score":0.18029610706227167,"num_words":14,"start":0.71999997,"end":8.82},{"sentences":[{"text":"Yeah.","start":10.719999,"end":11.04,"sentiment":"neutral","sentiment_score":0.008646456524729729},{"text":"It was like a delay behind the the yeah.","start":11.04,"end":14.295,"sentiment":"neutral","sentiment_score":-0.010300299877093898},{"text":"A a 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tell me a number what I would be saving if I did sell it now to know how much I can afford to drop off the price if if it all goes to shit in a couple of months, if you know what I mean.","start":65.36,"end":76.965004,"sentiment":"neutral","sentiment_score":-0.06199201969231697},{"text":"That'd be great.","start":84.81,"end":85.95,"sentiment":"positive","sentiment_score":0.4959317644437154}],"sentiment":"neutral","sentiment_score":-0.029453166521703586,"num_words":78,"start":53.275,"end":85.95},{"sentences":[{"text":"Great.","start":86.01,"end":86.51,"sentiment":"positive","sentiment_score":0.42239490151405334},{"text":"Yeah.","start":87.69,"end":88.19,"sentiment":"neutral","sentiment_score":0.207322895526886},{"text":"That'd be super.","start":88.25,"end":89.07,"sentiment":"neutral","sentiment_score":0.3121621608734131},{"text":"Sort of had a look through the books and that, but I was like, I'm just gonna ask you the question and and get it 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be?","start":187.355,"end":188.81499,"sentiment":"neutral","sentiment_score":-0.1632881270987647},{"text":"Yeah.","start":194.25,"end":194.75,"sentiment":"neutral","sentiment_score":-0.08637136220932007},{"text":"Alright.","start":195.37,"end":195.87,"sentiment":"neutral","sentiment_score":-0.020520305261015892},{"text":"Okay.","start":197.68999,"end":198.17,"sentiment":"neutral","sentiment_score":-0.027773166075348858}],"sentiment":"neutral","sentiment_score":-0.17603013521203628,"num_words":26,"start":179.19,"end":198.17},{"sentences":[{"text":"I just I yes.","start":198.17,"end":199.60999,"sentiment":"neutral","sentiment_score":-0.03523256257176399},{"text":"I just might have made all that up, but, you know alright.","start":199.60999,"end":203.23,"sentiment":"neutral","sentiment_score":-0.05209407893319925},{"text":"Thank you.","start":204.56999,"end":205.39,"sentiment":"neutral","sentiment_score":0.08854516968131065},{"text":"Yeah.","start":207.29,"end":207.53,"sentiment":"neutral","sentiment_score":0.011582262814044952},{"text":"Yeah.","start":207.53,"end":207.885,"sentiment":"neutral","sentiment_score":0.01462559960782528}],"sentiment":"neutral","sentiment_score":-0.028138049785047768,"num_words":20,"start":198.17,"end":207.885},{"sentences":[{"text":"Yeah.","start":207.965,"end":208.08499,"sentiment":"neutral","sentiment_score":0.02505660057067871},{"text":"Yeah.","start":208.08499,"end":208.205,"sentiment":"neutral","sentiment_score":0.04127617925405502},{"text":"Alright.","start":208.205,"end":208.705,"sentiment":"neutral","sentiment_score":0.05515784025192261},{"text":"Okay.","start":209.56499,"end":210.06499,"sentiment":"neutral","sentiment_score":0.05641254782676697},{"text":"Okay.","start":212.525,"end":213.025,"sentiment":"neutral","sentiment_score":0.1495734453201294}],"sentiment":"neutral","sentiment_score":0.06549532264471054,"num_words":5,"start":207.965,"end":213.025},{"sentences":[{"text":"Appreciate that.","start":213.08499,"end":214.125,"sentiment":"positive","sentiment_score":0.34745414555072784},{"text":"Have a nice Easter.","start":214.125,"end":215.185,"sentiment":"neutral","sentiment_score":0.28473421558737755},{"text":"Thanks for the call.","start":215.485,"end":216.70499,"sentiment":"neutral","sentiment_score":0.3312682807445526},{"text":"Thank you.","start":217.165,"end":217.985,"sentiment":"positive","sentiment_score":0.42984677851200104},{"text":"Thanks.","start":218.28499,"end":218.78499,"sentiment":"neutral","sentiment_score":0.2603519558906555}],"sentiment":"neutral","sentiment_score":0.32915106071875644,"num_words":13,"start":213.08499,"end":218.78499},{"sentences":[{"text":"Bye.","start":219.245,"end":219.745,"sentiment":"neutral","sentiment_score":0.11327306926250458},{"text":"Bye.","start":219.885,"end":220.385,"sentiment":"neutral","sentiment_score":-0.07633423060178757}],"sentiment":"neutral","sentiment_score":0.018469419330358505,"num_words":2,"start":219.245,"end":220.385}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello. It's Sally.\n\nChannel 0: Hi, Sally. It's Larissa from Oakview. How are you going?\n\nChannel 1: Oh, good. Thank you. Did you just ring a minute ago?\n\nChannel 0: Yeah. I did. And it, like,\n\nChannel 1: Yeah.\n\nChannel 0: picked\n\nChannel 1: It was\n\nChannel 0: up?\n\nChannel 1: like a delay behind the the yeah.\n\nChannel 0: Okay.\n\nChannel 1: A a delay. I could hear you and then it was like delay, no noise anyway. Look,\n\nChannel 0: Amazing.\n\nChannel 1: I'm I'm wanting to ask you, can you give me an idea? And it doesn't have to be right now. Email me\n\nChannel 0: Mhmm.\n\nChannel 1: back or whatever. I'm looking at the current state of the world that it may not be the best time to sell the investment property. And I know\n\nChannel 0: Yes.\n\nChannel 1: there was certain advantages for going into, and I'm trying to think what it's called, the\n\nChannel 0: Penn\n\nChannel 1: pre is not the word.\n\nChannel 0: pension.\n\nChannel 1: Pre yeah. Pre pension phase. Is it pre\n\nChannel 0: Yep.\n\nChannel 1: yep.\n\nChannel 0: Yep.\n\nChannel 1: So what would be the difference if I did leave it and not sell it till after I was actually 67? Can you tell me a number what I would be saving if I did sell it now to know how much I can afford to drop off the price if if it all goes to shit in a couple of months, if you know what I mean.\n\nChannel 0: Yes. And, yes, I can calculate that. I actually think Dana did a lot of calculations around that, so I can probably give you a pretty good idea\n\nChannel 1: That'd be great.\n\nChannel 0: today.\n\nChannel 1: Great.\n\nChannel 0: I'll email it through.\n\nChannel 1: Yeah. That'd be super.\n\nChannel 0: The outcome would obviously yeah. I'll email\n\nChannel 1: Sort of\n\nChannel 0: it through\n\nChannel 1: had a\n\nChannel 0: and\n\nChannel 1: look\n\nChannel 0: I'll\n\nChannel 1: through the books and that, but I was like, I'm just gonna ask you the question and\n\nChannel 0: yeah.\n\nChannel 1: and get it\n\nChannel 0: No.\n\nChannel 1: right.\n\nChannel 0: Absolutely.\n\nChannel 1: But just I thought it's just food support over the next couple of months, see what happens. So I've got a little bit of the, you know, a lot figure to to weigh everything up.\n\nChannel 0: Yeah. No. Of course. Yeah. We can\n\nChannel 1: Yep.\n\nChannel 0: we can definitely do that.\n\nChannel 1: Yep. Well,\n\nChannel 0: Have\n\nChannel 1: I'll\n\nChannel 0: you had\n\nChannel 1: call\n\nChannel 0: any\n\nChannel 1: to\n\nChannel 0: interest\n\nChannel 1: your\n\nChannel 0: in\n\nChannel 1: email.\n\nChannel 0: the have you have you had any interest in the property?\n\nChannel 1: Well, we haven't put it on the market yet. We still got renters in there,\n\nChannel 0: Yeah.\n\nChannel 1: and their lease is up in June. And that's when I was going to put it on the market.\n\nChannel 0: Oh, okay. So you haven't sort of approached a real estate agent to see if there's any sort of\n\nChannel 1: Oh, look. I have. Yes. I'm talking to a couple of agents, but, you know, they tell you what you need to hear at this stage. They\n\nChannel 0: Mhmm.\n\nChannel 1: don't know either what's going to happen\n\nChannel 0: Yeah.\n\nChannel 1: come June. But yes. No. I've got a fair idea what it's worth at the moment. And,\n\nChannel 0: Okay.\n\nChannel 1: you know, yeah, just depending on what happens, I'd like that sort of figure what I save from doing it pre pension phase.\n\nChannel 0: Okay. Alright.\n\nChannel 1: Yeah.\n\nChannel 0: That's\n\nChannel 1: Okay.\n\nChannel 0: fair.\n\nChannel 1: Alright.\n\nChannel 0: I can I\n\nChannel 1: Lovely.\n\nChannel 0: will send you through the the the capital gains tax that's applicable\n\nChannel 1: Yep.\n\nChannel 0: on the property and what that that looks like? Okay?\n\nChannel 1: Yep. Yep. And I thought there was something else, but I could be wrong. Something that she was putting money into, and I forget what it's called now, was something that I get the interest on, but I can't get any of the principal till I die, goes into my estate. I thought that was only pre pension phase as well, but I could be wrong there.\n\nDo you know what that would be?\n\nChannel 0: I don't. So let me look and let me try and piece together what that\n\nChannel 1: Yeah.\n\nChannel 0: might mean.\n\nChannel 1: Alright.\n\nChannel 0: Let me\n\nChannel 1: Okay.\n\nChannel 0: figure out what\n\nChannel 1: I\n\nChannel 0: the\n\nChannel 1: just\n\nChannel 0: words mean.\n\nChannel 1: I yes. I just might have made all that up, but, you know\n\nChannel 0: No. That's okay.\n\nChannel 1: alright.\n\nChannel 0: I'll I'll send you an email that just\n\nChannel 1: Thank\n\nChannel 0: kind of\n\nChannel 1: you.\n\nChannel 0: maybe breaks down the the larger statement\n\nChannel 1: Yeah.\n\nChannel 0: of advice\n\nChannel 1: Yeah.\n\nChannel 0: document\n\nChannel 1: Yeah. Yeah. Alright.\n\nChannel 0: into simple terms and\n\nChannel 1: Okay.\n\nChannel 0: and just give you that capital gains figure as well.\n\nChannel 1: Okay. Appreciate that. Have a nice\n\nChannel 0: No.\n\nChannel 1: Easter. Thanks for\n\nChannel 0: Yes.\n\nChannel 1: the call.\n\nChannel 0: Absolutely.\n\nChannel 1: Thank you.\n\nChannel 0: Mhmm.\n\nChannel 1: Thanks.\n\nChannel 0: Bye, Sally.\n\nChannel 1: Bye. Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":0.71999997,"end":1.04,"sentiment":"neutral","sentiment_score":0.04669217765331268},{"text":"It's Sally.","start":1.04,"end":1.78,"sentiment":"neutral","sentiment_score":0.04396981932222843}],"sentiment":"neutral","sentiment_score":0.044877272099256516,"channel":1,"num_words":3,"start":0.71999997,"end":1.78},{"sentences":[{"text":"Hi, Sally.","start":2.48,"end":3.1999998,"sentiment":"neutral","sentiment_score":0.14536207914352417},{"text":"It's Larissa from Oakview.","start":3.1999998,"end":4.88,"sentiment":"neutral","sentiment_score":0.16549238562583923},{"text":"How are you going?","start":4.88,"end":5.7799997,"sentiment":"neutral","sentiment_score":0.25854627043008804}],"sentiment":"neutral","sentiment_score":0.19868787825107576,"channel":0,"num_words":10,"start":2.48,"end":5.7799997},{"sentences":[{"text":"Oh, good.","start":5.92,"end":6.48,"sentiment":"positive","sentiment_score":0.48702849447727203},{"text":"Thank 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I'm looking at the current state of the world that it may not be the best time to sell the investment property. And I know Yes. there was certain advantages for going into, and I'm trying to think what it's called, the Penn pre is not the word. pension. Pre yeah. Pre pension phase. Is it pre Yep. yep. Yep. So what would be the difference if I did leave it and not sell it till after I was actually 67? Can you tell me a number what I would be saving if I did sell it now to know how much I can afford to drop off the price if if it all goes to shit in a couple of months, if you know what I mean. Yes. And, yes, I can calculate that. 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And, Okay. you know, yeah, just depending on what happens, I'd like that sort of figure what I save from doing it pre pension phase. Okay. Alright. Yeah. That's Okay. fair. Alright. I can I Lovely. will send you through the the the capital gains tax that's applicable Yep. on the property and what that that looks like? Okay? Yep. Yep. And I thought there was something else, but I could be wrong. Something that she was putting money into, and I forget what it's called now, was something that I get the interest on, but I can't get any of the principal till I die, goes into my estate. I thought that was only pre pension phase as well, but I could be wrong there. Do you know what that would be? I don't. So let me look and let me try and piece together what that Yeah. might mean. Alright. Let me Okay. figure out what I the just words mean. I yes. I just might have made all that up, but, you know No. That's okay. alright. 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