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No. Not at all. Just the time just is when we're having fun. Now before we jump into it, I do need to let you know our calls are recorded. And if it's okay, can I just get you complete security for me? Just full name, date of birth, and address that I would have on file. Amazing. Perfect. Okay. So my team has let me know that you have moved over to New Zealand, and we're not in Australia anymore. I guess, first and foremost, I have a couple of questions. Are we intending on returning to Australia anytime? No. That's okay. I guess, realistically, with with regards to, like, your your fund, your account, and everything over here, there are choices you have available to you, and we can definitely put them all down and and go through them. But before we start breaking them down and overloading with information, is or have you deliberated or considered what you wanna do with your super funds over here in Australia, your insurance policy over here in Australia, and, like, I guess, any other assets? Yep. No. Okay. Well, let's break it down. So there are some rules with regards to contributions in so far. So in 2019, the government brought out legislation that's called protect your stuff. Now, essentially, what that means is that if you have a policy, like an insurance policy on your super fund that that is built in as a platform policy, which yours is not. So you have a Clearview insurance policy. It's not a platform policy. It's actually a separate account that requests payment from your super fund. But, essentially, if you do have a platform policy, what happens is it be if your super fund is inactive for eight sixteen months, then the super fund actually has a requirement that they have to cancel the insurance policy and then initiate basically a transitionary phase where they would move the money to the ATO, and the ATO then takes that super money and allocates it to whatever active super fund you have. Now you don't fall into that category. And the reason you don't is because your super fund is not a default account. It is a specifically managed account because you have us managing it. So it's never gonna fall into the inactive status because we're constantly on the account. If you set and forget it and logged in, never touched it, then absolutely. But we're logging in and we're touching it all the time. Second to that, your insurance policy isn't a platform policy. It is as I said, it's basically, your insurance policy is actually its own super super account, the way it's structured. So what happens is you have a ClearView insurance policy and ClearView is the insurer. And what ClearView does is they set up a super fund under that that insurance policy, and that super fund basically just requests money from your hub twenty four fund. And it feeds into that that super that new super account and pays the premiums and just kind of all gets absorbed into that account. It's a little bit weird, like, explaining it this way, but from a technical point of view, it does make perfect sense, I guess, from my side. But that's kind of a it's a higher higher overarching crux of it. Now Yeah. Yes. No. Definitely. And, I mean, ultimately speaking, your Clear Insurance is is actually worldwide cover. So if anything happens to you with respect to, like, being unable to work, anything like that, you would still be protected. The one thing I would want to look into is probably the income protection side of things, purely and simply because you're not working in the Australian occupation anymore. But I have a look into that from a back end, like, read BDS. I can contact my BDM and just kind of get confirmation on that side. I I do have a lot of clients that do work overseas, but generally speaking, most of them are working for Australian companies in other countries. So it's like an Australian based employer getting paid Australian dollars, all the rest of it. I will have a look at it. Not yeah. Yeah. I I'll have a look at the income protection policy because ultimately, you have three different components to your to your policy as a whole. You have, like, the yeah. To your cleavage policy. We have the TDD or the total permanent disability benefit, and then you have the income protection benefit. So income protection obviously covers your wages if you are ill or injured. TPD is a lump sum that covers you if you're never able to work again, and then life cover pays out if you were to pass away or terminally ill. So each of those benefits can actually exist, like, pretty much without the other. The life and TPD are set up as a linked benefit. So life that can exist without TPD, but TPD cannot exist without life as the policy currently stands. So I can have a look at yeah. Yes. Basically. Yep. Yeah. A little bit. No. That that's okay. There are a couple of options that I can look at. Because Australia and New Zealand and it's been a hot minute since I've looked into it, like a decade. So I'll need to refresh my memory on how the legislation works. But because Australian and New Zealand are basically brothers. Yeah. Correct. So what I wanna look into is from a tax perspective, because there are some options we could look into if you did wanna kind of use the Superfund for a little bit of wealth generation, because that we may be able to, and it's just gonna depend on the tax side of things. We could possibly look into you doing what's called personal contribution into your super fund. And then what happens is the Australian government actually ends up paying an additional $500 into your super fund on your freely. And that's it's called a government co contribution. So I can look into that if that's sort of a structure you wanna look at to kind of use the funds to just generate some wealth that way, and it will kind of help offset some of the premiums from your from the insurance policy. But I can kind of do all that research from a back end perspective and kind of present findings to you, and we can kind of go from there. Yes. Yes. Yes. Yeah. Yep. You submitted 20 you so you you've submitted twenty six twenty seven already as well. Everything. Yep. Yes. Yeah. Yeah. Yeah. Yeah. Hello? Yeah. So available funds. Option with respect to there are options with respect to transferring, like, withdrawing from super funds when you it's called departing it's a d a d a s p. It's departing Australia superannuation payment. There are very, very specific yeah. There's really, really, really specific eligibility requirements for it, which Right. Well, it's so I guess background wise, what what what is your citizenship status? Yep. In Australia. Yeah. Very different system. Okay. So really painful. No. That's okay. Where were you where were you born? Okay. So born in Australia, fully Australian citizen, and get it, girl. Me too. You know, gotta gotta get back on those convict fleets. So oh, for funsies, I I I I traced my heritage back to, like, the actual convict, like, the fleets that came over to Australia. So yeah. Yeah. Yeah. As as OG Australian as you can kinda get, really. So without being a full national. Yes. Yes. No. The documentation is is unclear. Yeah. There's small amount of Aboriginal heritage was for me, but it's so micro, it probably doesn't really count. So it's always kind of fun, like, looking at all, like, the intricacies of, like, where heritage falls. But, anyway, sorry. Off track. So Australian citizen, born Australia, permanent resident of New Zealand, and we moved over two months ago with absolutely no expectations to move back. Oh, congratulations. Sorry. So while we're getting married in New Zealand and planning on going for citizenship? Resident. Yeah. Cool. Alright. I'm just yeah. I can choose citizen. And because of how it works, like how New Zealand and Australia work, it kinda works. Okay. Cool. So unless you were to drop your citizenship yeah. The intricacies are like, even if you were even if you were to drop your citizenship from Australia, because you're in Tasmania, you're excluded from being able to take on the DASK payment. Yep. So, really, the options you have so if you're really seeking to get money, the only option you have to be able to obtain money from Australia are basically limited to this too. It's financial hardship, which you're not gonna qualify for because you're working in another country on central bank benefits or compassionate grounds, which compassionate grounds are gonna fall into you're about to lose your house, your it's like someone passed away. It's along those lines. Like, it it basically, the money becomes preserved. Yeah. So it because the money is preserved, it's very specifically locked away with the intention of accessing it for retirement. The cool thing is is that it's 60, so you would be able to access it at 60. However, you are 31, so that's just a few years away for you. Nothing too crazy. Just a couple of years. Yeah. Yeah. Just just double down on what you've already done. So it is it is ultimately the choice is leave the money in Australia, and, realistically, you have access to any any super fund in Australia. If you wanna leave your money in Australia, we can have a board of conversation as that looks like, whether you retain us as actively manage the managing the investment, and we can continue doing these kinds of phone calls. I'm happy to like, we can do it over WhatsApp or something like that. We can do video calls, stuff like that. So that way, it's a little bit more personable. That's okay. It's costing me yeah. It's costing me a heat today, so that's okay. No. That's that's absolutely understandable. WhatsApp, we have a few clients who, again, work for everybody. We can, like, work on WhatsApp. We request that you don't try and message us on WhatsApp. You, like, email us if you need to get in contact with us and we can get to a meeting by WhatsApp or, again, like, we can Google Meet, Teams, Zoom, anything like that. That's it's nice and easy. And we can do stuff like that and again, like, I can sit down with you and we can, like, so can kind of have a look at where things fit for yourself. Even if you don't want me to kind of investigate the budgetary side of things, it could just be a good tool for you to be able to break down where your expenses sit and try and plan for the new life you're about to bring into the world and the massive changes you're going through. Just give you kind of, I guess, some perspective. And maybe sort of when things settle down, and it could be maybe in a few months or maybe twelve months after baby we can kinda loop back around and have a bit of a broader conversation about probably adding those contributions in to the fund when finances settle and you kinda get used to the norm. The alternative is is that we do transition everything over to New Zealand. Absolutely. Yep. Yes. Yeah. Cool. No. I'm more than happy to. Well, let's do this. Let's let's schedule an appointment for a couple weeks. Just give me and my power planner a little bit of time to just go into the math side of things, and I can contact the insurer and go from there. Would you be okay with, say, like, Thursday actually, can we go Tuesday the twenty second? 02:39. Yep. That suits you. I am all I'm also happy to go a little bit later for you. Say, I can do, like, 04:00 my time, which will be 6PM your time. Perfection. Yep. Yeah. Perfect. Alright. What I'll do, I will pop in a I I yeah. Pop it in my calendar now. I'll send you an invite, and I'll go ahead and do Do you just wanna go do you wanna go do you just wanna go to meets? I mean, like so what I do is I will send you an invite. It'll be a calendar invite that will come through to your Hotmail account. And all you do is you just you click on the link that you receive and it'll open up. It was like Google Meet is basically, like, Zoom connected connected to, like, a Gmail back end. Yes. Yeah. Basically. It's just if there it no. You don't have to download anything. It's just it's literally Google's equivalent to a video conferencing software. That's all it is. Nothing. Yeah. Yeah. Yes. Correct. Yeah. And we can we can go through through from there. So just to recap what I'm gonna look at, I'll look at the clear your insurance, make sure that each of the benefits are gonna be able to cover you over in NZ, and if not, what restrictions we have. Can I when are you due for your baby? No. Cool. That's okay. Just get it I just need to know what's in the time frame. Work wise, what kind of income are you earning in NZD dollars? That's fine. Yeah. Yes. Okay. Yep. Yeah. Yeah. No. I know that one. Woo. Winning. Yeah. No. Not fantastic. Look. With my last, I was back at work after fourteen weeks, so I've got three myself. Yeah. No. You you do. And don't like, what I'll do is I'm I'll send you the budget so you and your partner can sit down and just have a look at it. It it'll give you some perspective to be able to break things down. And it's just something maybe you guys internally. It might be to be able to open up a conversation about where maybe some of the discretionary spending is going. I sit down with my husband. I've I've been married for ten years. I sit down with my husband, like, once a quarter to every six months, and we we relook at our budget. And it's just it's a it's a point in time. Yep. It does. Okay. So you're pretty covered budget wise, which is good. Okay. Alright. Well, I won't Yeah. Loan. Can I ask what how much how much are the loans? Like, Yep. Yep. Yeah. Have you, perchance, like, spoken to a, like, a broker in New Zealand to look at getting a loan in New Zealand to then pay the Australian loan out? That way, you don't have to do the conversion rate every payment cycle. Yeah. Because, like, $250 every month or fortnight is a lot criminal, actually. Yeah. Well, yeah, plus conversion. Yeah. Yeah. Okay. So you're not you're not you're not that you're getting ahead, but it's hurting. And you said your tax return will be about $10? Because you Yep. I mean, if if that's what you end up getting back, mathematically speaking, you would then be able to reallocate the funds that you were paying to the bank loan plus, obviously, the money that you were allocating to the consolidation loan. Within maybe two, two and a half months worth of payments, that consolidation loan should be gone after the tax return knocks it. Yes. What like, just just I'm just a bit bored, and it's not it's not advice. I wanna be really, really clear, but it's just a thought process is rather than take all of the money and pay off the con like, the consolidation loan, oddly, like, paying off the bank didn't make sense because you you can get rid of that knocking off knock it knocking on the head and not have to deal with that one anymore. But the consolidation loan, depending on the interest rate, it could work out that if you kept your money in New Zealand, create, like, a like, have a savings account or have a have a little pocket where you pop that money, put a two, two and a half months worth of money in that, like, in that account or in that wherever you need to put it, and then just do the one transfer over. That way, you have the one transfer fee. Obviously, the conversion cost from NZ to AUD is still gonna hit you no matter where, but at least when the one they convert the money rather than doing two and a half months worth, like, two and a half payment or three payments over to Australia. And you can just in the meantime, we can like, you could just truly feed the loan from, like, your com Commonwealth Bank account in Australia with some money that's connected on your loan. Or do a lump sum payment, call them, and say, hey. Look. I'm paying $10. Can you pause my payment for x amount of time? What is that gonna do for interest? Am I gonna be hit with interest? How does that work? And have that conversation with them to see whether that amount because without knowing and like, without knowing how the actual loan is broken down, I can't have that, you know, which one's gonna work out well because it could like, depending on the loan, it could be interest because generally, loans are you have a loan an an interest rate and interest interest is calculated daily and then obviously charged monthly. Some loans aren't like that. But depending on what the consolidated loan is actually set up with, you may just say, like, the loan was, say, $15. The life of the loan was x number of time. We're gonna put the interest that we calculate onto that loan, and, basically, the loan goes from 15 to 25. And you have to pay off $25 irrespective of when you pay it off. It just depends on how the loan was actually set up. So it's a conversation you have to have with them to kind of break down where the loan is and then kinda work out to the money onto the loan, pay it off, and then ask them to hold payments because they've had a lump sum that basically covers off x number of, you know, month worth of payments. And then make sure that they're gonna charge fees or early break costs or anyone that has that conversation openly with them. And then once you accumulate the money in New Zealand, pop it over. Okay. Yep. Yep. Ready. Yep. Okay. That doesn't sound too too bad then. So, realistically, it's probably just a a a phone call with someone going, hey. Look. I have blah left on the account. I've moved to New Zealand. Would like, what would happen if I paid blah amount of money, like, you know, $10 Yep. Off the loan? Would you guys pause the repayment for three months? Do you still calculate interest at the higher rate, or is it just interest on the loan amount remaining? Do I am I gonna get, like, any late fees, anything like that? Because, obviously Yeah. So so it it's worth a phone call to them to kind of try and pick it down and and just have the conversation with them. Because the the biggest thing is is, generally speaking, with these types of loans, you can sort of pay off a lump sum amount. Generally speaking, this like, some clients do this with Carbone before is where they'll pull up some amount and then the basically, the lender will hold that money and just transact each month's payment out of that money to, like, give the client a reprieve because something's happening. Correct. Yeah. Correct. Yeah. So it could function that way. Yeah. Yep. Yes. Downside is is because Australia and New Zealand siblings, they will chase you in New Zealand. So eventually, it'll catch up. I I wouldn't try and dodge it. You're doing the right thing. Yeah. Yes. Yeah. They will. Alright. Well, from my side, what I'll do is I will go and start running all the information. So I'll have a look at, I guess, some things we can do to your super fund to, like, increase the performance, have a look at the fees, get that broken down for you, have a look at the insurance policy, obviously, and see where that fits. The I see only, I guess, discussion point we haven't really put down and had a look at is whether, like, if the money's, like the money is obviously staying in Australia in a conversation, but whether you want Oakview as a financial firm to continue servicing the actual account. Yeah. Yeah. Yeah. Perfect. What I'll do in the meantime is I'm gonna send you, I guess, a review pack, and it has, like, a breakdown of where, like, your funds sit today, performance report performance report, your insurance certificate of currency. It does have Oakview's ongoing service agreement in it. I I wanna send it to you so that way, a, you have the information and look over it. You are able to authorize it, sign it, and, like, send it back to me. I can email the ongoing service agreement. And then if you make the determination in at next conversation that you do wanna see Oakview services, then I can terminate that agreement. That's not, like, an issue, and we can kind of go from that conversation there. So I'll send that to you now, and when you get home and do all the things with with Little One there, We can kinda come back and talk about it in two weeks. Perfect. Alright. Looking forward to it. You have a good one. Bye. 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Jason Larissa from OC Financial. How are you going? Yeah. Really good.\n\nThank you. Sorry. I'm a couple minutes late. Time ran away, and I got good. Yeah.\n\nI looked around and I was like, oh, no. No. Not at all. Just the time just is when we're having fun. Now before we jump into it, I do need to let you know our calls are recorded.\n\nAnd if it's okay, can I just get you complete security for me? Just full name, date of birth, and address that I would have on file. Amazing. Perfect. Okay.\n\nSo my team has let me know that you have moved over to New Zealand, and we're not in Australia anymore. I guess, first and foremost, I have a couple of questions. Are we intending on returning to Australia anytime? No. That's okay.\n\nI guess, realistically, with with regards to, like, your your fund, your account, and everything over here, there are choices you have available to you, and we can definitely put them all down and and go through them. But before we start breaking them down and overloading with information, is or have you deliberated or considered what you wanna do with your super funds over here in Australia, your insurance policy over here in Australia, and, like, I guess, any other assets? Yep. No. Okay.\n\nWell, let's break it down. So there are some rules with regards to contributions in so far. So in 2019, the government brought out legislation that's called protect your stuff. Now, essentially, what that means is that if you have a policy, like an insurance policy on your super fund that that is built in as a platform policy, which yours is not. So you have a Clearview insurance policy.\n\nIt's not a platform policy. It's actually a separate account that requests payment from your super fund. But, essentially, if you do have a platform policy, what happens is it be if your super fund is inactive for eight sixteen months, then the super fund actually has a requirement that they have to cancel the insurance policy and then initiate basically a transitionary phase where they would move the money to the ATO, and the ATO then takes that super money and allocates it to whatever active super fund you have. Now you don't fall into that category. And the reason you don't is because your super fund is not a default account.\n\nIt is a specifically managed account because you have us managing it. So it's never gonna fall into the inactive status because we're constantly on the account. If you set and forget it and logged in, never touched it, then absolutely. But we're logging in and we're touching it all the time. Second to that, your insurance policy isn't a platform policy.\n\nIt is as I said, it's basically, your insurance policy is actually its own super super account, the way it's structured. So what happens is you have a ClearView insurance policy and ClearView is the insurer. And what ClearView does is they set up a super fund under that that insurance policy, and that super fund basically just requests money from your hub twenty four fund. And it feeds into that that super that new super account and pays the premiums and just kind of all gets absorbed into that account. It's a little bit weird, like, explaining it this way, but from a technical point of view, it does make perfect sense, I guess, from my side.\n\nBut that's kind of a it's a higher higher overarching crux of it. Now Yeah. Yes. No. Definitely.\n\nAnd, I mean, ultimately speaking, your Clear Insurance is is actually worldwide cover. So if anything happens to you with respect to, like, being unable to work, anything like that, you would still be protected. The one thing I would want to look into is probably the income protection side of things, purely and simply because you're not working in the Australian occupation anymore. But I have a look into that from a back end, like, read BDS. I can contact my BDM and just kind of get confirmation on that side.\n\nI I do have a lot of clients that do work overseas, but generally speaking, most of them are working for Australian companies in other countries. So it's like an Australian based employer getting paid Australian dollars, all the rest of it. I will have a look at it. Not yeah. Yeah.\n\nI I'll have a look at the income protection policy because ultimately, you have three different components to your to your policy as a whole. You have, like, the yeah. To your cleavage policy. We have the TDD or the total permanent disability benefit, and then you have the income protection benefit. So income protection obviously covers your wages if you are ill or injured.\n\nTPD is a lump sum that covers you if you're never able to work again, and then life cover pays out if you were to pass away or terminally ill. So each of those benefits can actually exist, like, pretty much without the other. The life and TPD are set up as a linked benefit. So life that can exist without TPD, but TPD cannot exist without life as the policy currently stands. So I can have a look at yeah.\n\nYes. Basically. Yep. Yeah. A little bit.\n\nNo. That that's okay. There are a couple of options that I can look at. Because Australia and New Zealand and it's been a hot minute since I've looked into it, like a decade. So I'll need to refresh my memory on how the legislation works.\n\nBut because Australian and New Zealand are basically brothers. Yeah. Correct. So what I wanna look into is from a tax perspective, because there are some options we could look into if you did wanna kind of use the Superfund for a little bit of wealth generation, because that we may be able to, and it's just gonna depend on the tax side of things. We could possibly look into you doing what's called personal contribution into your super fund.\n\nAnd then what happens is the Australian government actually ends up paying an additional $500 into your super fund on your freely. And that's it's called a government co contribution. So I can look into that if that's sort of a structure you wanna look at to kind of use the funds to just generate some wealth that way, and it will kind of help offset some of the premiums from your from the insurance policy. But I can kind of do all that research from a back end perspective and kind of present findings to you, and we can kind of go from there. Yes.\n\nYes. Yes. Yeah. Yep. You submitted 20 you so you you've submitted twenty six twenty seven already as well.\n\nEverything. Yep. Yes. Yeah. Yeah.\n\nYeah. Yeah. Hello? Yeah. So available funds.\n\nOption with respect to there are options with respect to transferring, like, withdrawing from super funds when you it's called departing it's a d a d a s p. It's departing Australia superannuation payment. There are very, very specific yeah. There's really, really, really specific eligibility requirements for it, which Right. Well, it's so I guess background wise, what what what is your citizenship status?\n\nYep. In Australia. Yeah. Very different system. Okay.\n\nSo really painful. No. That's okay. Where were you where were you born? Okay.\n\nSo born in Australia, fully Australian citizen, and get it, girl. Me too. You know, gotta gotta get back on those convict fleets. So oh, for funsies, I I I I traced my heritage back to, like, the actual convict, like, the fleets that came over to Australia. So yeah.\n\nYeah. Yeah. As as OG Australian as you can kinda get, really. So without being a full national. Yes.\n\nYes. No. The documentation is is unclear. Yeah. There's small amount of Aboriginal heritage was for me, but it's so micro, it probably doesn't really count.\n\nSo it's always kind of fun, like, looking at all, like, the intricacies of, like, where heritage falls. But, anyway, sorry. Off track. So Australian citizen, born Australia, permanent resident of New Zealand, and we moved over two months ago with absolutely no expectations to move back. Oh, congratulations.\n\nSorry. So while we're getting married in New Zealand and planning on going for citizenship? Resident. Yeah. Cool.\n\nAlright. I'm just yeah. I can choose citizen. And because of how it works, like how New Zealand and Australia work, it kinda works. Okay.\n\nCool. So unless you were to drop your citizenship yeah. The intricacies are like, even if you were even if you were to drop your citizenship from Australia, because you're in Tasmania, you're excluded from being able to take on the DASK payment. Yep. So, really, the options you have so if you're really seeking to get money, the only option you have to be able to obtain money from Australia are basically limited to this too.\n\nIt's financial hardship, which you're not gonna qualify for because you're working in another country on central bank benefits or compassionate grounds, which compassionate grounds are gonna fall into you're about to lose your house, your it's like someone passed away. It's along those lines. Like, it it basically, the money becomes preserved. Yeah. So it because the money is preserved, it's very specifically locked away with the intention of accessing it for retirement.\n\nThe cool thing is is that it's 60, so you would be able to access it at 60. However, you are 31, so that's just a few years away for you. Nothing too crazy. Just a couple of years. Yeah.\n\nYeah. Just just double down on what you've already done. So it is it is ultimately the choice is leave the money in Australia, and, realistically, you have access to any any super fund in Australia. If you wanna leave your money in Australia, we can have a board of conversation as that looks like, whether you retain us as actively manage the managing the investment, and we can continue doing these kinds of phone calls. I'm happy to like, we can do it over WhatsApp or something like that.\n\nWe can do video calls, stuff like that. So that way, it's a little bit more personable. That's okay. It's costing me yeah. It's costing me a heat today, so that's okay.\n\nNo. That's that's absolutely understandable. WhatsApp, we have a few clients who, again, work for everybody. We can, like, work on WhatsApp. We request that you don't try and message us on WhatsApp.\n\nYou, like, email us if you need to get in contact with us and we can get to a meeting by WhatsApp or, again, like, we can Google Meet, Teams, Zoom, anything like that. That's it's nice and easy. And we can do stuff like that and again, like, I can sit down with you and we can, like, so can kind of have a look at where things fit for yourself. Even if you don't want me to kind of investigate the budgetary side of things, it could just be a good tool for you to be able to break down where your expenses sit and try and plan for the new life you're about to bring into the world and the massive changes you're going through. Just give you kind of, I guess, some perspective.\n\nAnd maybe sort of when things settle down, and it could be maybe in a few months or maybe twelve months after baby we can kinda loop back around and have a bit of a broader conversation about probably adding those contributions in to the fund when finances settle and you kinda get used to the norm. The alternative is is that we do transition everything over to New Zealand. Absolutely. Yep. Yes.\n\nYeah. Cool. No. I'm more than happy to. Well, let's do this.\n\nLet's let's schedule an appointment for a couple weeks. Just give me and my power planner a little bit of time to just go into the math side of things, and I can contact the insurer and go from there. Would you be okay with, say, like, Thursday actually, can we go Tuesday the twenty second? 02:39. Yep.\n\nThat suits you. I am all I'm also happy to go a little bit later for you. Say, I can do, like, 04:00 my time, which will be 6PM your time. Perfection. Yep.\n\nYeah. Perfect. Alright. What I'll do, I will pop in a I I yeah. Pop it in my calendar now.\n\nI'll send you an invite, and I'll go ahead and do Do you just wanna go do you wanna go do you just wanna go to meets? I mean, like so what I do is I will send you an invite. It'll be a calendar invite that will come through to your Hotmail account. And all you do is you just you click on the link that you receive and it'll open up. It was like Google Meet is basically, like, Zoom connected connected to, like, a Gmail back end.\n\nYes. Yeah. Basically. It's just if there it no. You don't have to download anything.\n\nIt's just it's literally Google's equivalent to a video conferencing software. That's all it is. Nothing. Yeah. Yeah.\n\nYes. Correct. Yeah. And we can we can go through through from there. So just to recap what I'm gonna look at, I'll look at the clear your insurance, make sure that each of the benefits are gonna be able to cover you over in NZ, and if not, what restrictions we have.\n\nCan I when are you due for your baby? No. Cool. That's okay. Just get it I just need to know what's in the time frame.\n\nWork wise, what kind of income are you earning in NZD dollars? That's fine. Yeah. Yes. Okay.\n\nYep. Yeah. Yeah. No. I know that one.\n\nWoo. Winning. Yeah. No. Not fantastic.\n\nLook. With my last, I was back at work after fourteen weeks, so I've got three myself. Yeah. No. You you do.\n\nAnd don't like, what I'll do is I'm I'll send you the budget so you and your partner can sit down and just have a look at it. It it'll give you some perspective to be able to break things down. And it's just something maybe you guys internally. It might be to be able to open up a conversation about where maybe some of the discretionary spending is going. I sit down with my husband.\n\nI've I've been married for ten years. I sit down with my husband, like, once a quarter to every six months, and we we relook at our budget. And it's just it's a it's a point in time. Yep. It does.\n\nOkay. So you're pretty covered budget wise, which is good. Okay. Alright. Well, I won't Yeah.\n\nLoan. Can I ask what how much how much are the loans? Like, Yep. Yep. Yeah.\n\nHave you, perchance, like, spoken to a, like, a broker in New Zealand to look at getting a loan in New Zealand to then pay the Australian loan out? That way, you don't have to do the conversion rate every payment cycle. Yeah. Because, like, $250 every month or fortnight is a lot criminal, actually. Yeah.\n\nWell, yeah, plus conversion. Yeah. Yeah. Okay. So you're not you're not you're not that you're getting ahead, but it's hurting.\n\nAnd you said your tax return will be about $10? Because you Yep. I mean, if if that's what you end up getting back, mathematically speaking, you would then be able to reallocate the funds that you were paying to the bank loan plus, obviously, the money that you were allocating to the consolidation loan. Within maybe two, two and a half months worth of payments, that consolidation loan should be gone after the tax return knocks it. Yes.\n\nWhat like, just just I'm just a bit bored, and it's not it's not advice. I wanna be really, really clear, but it's just a thought process is rather than take all of the money and pay off the con like, the consolidation loan, oddly, like, paying off the bank didn't make sense because you you can get rid of that knocking off knock it knocking on the head and not have to deal with that one anymore. But the consolidation loan, depending on the interest rate, it could work out that if you kept your money in New Zealand, create, like, a like, have a savings account or have a have a little pocket where you pop that money, put a two, two and a half months worth of money in that, like, in that account or in that wherever you need to put it, and then just do the one transfer over. That way, you have the one transfer fee. Obviously, the conversion cost from NZ to AUD is still gonna hit you no matter where, but at least when the one they convert the money rather than doing two and a half months worth, like, two and a half payment or three payments over to Australia.\n\nAnd you can just in the meantime, we can like, you could just truly feed the loan from, like, your com Commonwealth Bank account in Australia with some money that's connected on your loan. Or do a lump sum payment, call them, and say, hey. Look. I'm paying $10. Can you pause my payment for x amount of time?\n\nWhat is that gonna do for interest? Am I gonna be hit with interest? How does that work? And have that conversation with them to see whether that amount because without knowing and like, without knowing how the actual loan is broken down, I can't have that, you know, which one's gonna work out well because it could like, depending on the loan, it could be interest because generally, loans are you have a loan an an interest rate and interest interest is calculated daily and then obviously charged monthly. Some loans aren't like that.\n\nBut depending on what the consolidated loan is actually set up with, you may just say, like, the loan was, say, $15. The life of the loan was x number of time. We're gonna put the interest that we calculate onto that loan, and, basically, the loan goes from 15 to 25. And you have to pay off $25 irrespective of when you pay it off. It just depends on how the loan was actually set up.\n\nSo it's a conversation you have to have with them to kind of break down where the loan is and then kinda work out to the money onto the loan, pay it off, and then ask them to hold payments because they've had a lump sum that basically covers off x number of, you know, month worth of payments. And then make sure that they're gonna charge fees or early break costs or anyone that has that conversation openly with them. And then once you accumulate the money in New Zealand, pop it over. Okay. Yep.\n\nYep. Ready. Yep. Okay. That doesn't sound too too bad then.\n\nSo, realistically, it's probably just a a a phone call with someone going, hey. Look. I have blah left on the account. I've moved to New Zealand. Would like, what would happen if I paid blah amount of money, like, you know, $10 Yep.\n\nOff the loan? Would you guys pause the repayment for three months? Do you still calculate interest at the higher rate, or is it just interest on the loan amount remaining? Do I am I gonna get, like, any late fees, anything like that? Because, obviously Yeah.\n\nSo so it it's worth a phone call to them to kind of try and pick it down and and just have the conversation with them. Because the the biggest thing is is, generally speaking, with these types of loans, you can sort of pay off a lump sum amount. Generally speaking, this like, some clients do this with Carbone before is where they'll pull up some amount and then the basically, the lender will hold that money and just transact each month's payment out of that money to, like, give the client a reprieve because something's happening. Correct. Yeah.\n\nCorrect. Yeah. So it could function that way. Yeah. Yep.\n\nYes. Downside is is because Australia and New Zealand siblings, they will chase you in New Zealand. So eventually, it'll catch up. I I wouldn't try and dodge it. You're doing the right thing.\n\nYeah. Yes. Yeah. They will. Alright.\n\nWell, from my side, what I'll do is I will go and start running all the information. So I'll have a look at, I guess, some things we can do to your super fund to, like, increase the performance, have a look at the fees, get that broken down for you, have a look at the insurance policy, obviously, and see where that fits. The I see only, I guess, discussion point we haven't really put down and had a look at is whether, like, if the money's, like the money is obviously staying in Australia in a conversation, but whether you want Oakview as a financial firm to continue servicing the actual account. Yeah. Yeah.\n\nYeah. Perfect. What I'll do in the meantime is I'm gonna send you, I guess, a review pack, and it has, like, a breakdown of where, like, your funds sit today, performance report performance report, your insurance certificate of currency. It does have Oakview's ongoing service agreement in it. I I wanna send it to you so that way, a, you have the information and look over it.\n\nYou are able to authorize it, sign it, and, like, send it back to me. I can email the ongoing service agreement. And then if you make the determination in at next conversation that you do wanna see Oakview services, then I can terminate that agreement. That's not, like, an issue, and we can kind of go from that conversation there. So I'll send that to you now, and when you get home and do all the things with with Little One there, We can kinda come back and talk about it in two weeks.\n\nPerfect. Alright. Looking forward to it. You have a good one. Bye.\n\nBye.","paragraphs":[{"sentences":[{"text":"Hi.","start":3.52,"end":4.0,"sentiment":"neutral","sentiment_score":0.1009160578250885},{"text":"Jason Larissa from OC Financial.","start":4.0,"end":6.08,"sentiment":"neutral","sentiment_score":0.15539574027061462},{"text":"How are you going?","start":6.08,"end":6.98,"sentiment":"neutral","sentiment_score":0.17302264273166656},{"text":"Yeah.","start":9.44,"end":9.84,"sentiment":"neutral","sentiment_score":0.3127191960811615},{"text":"Really good.","start":9.84,"end":10.559999,"sentiment":"positive","sentiment_score":0.5935504734516144}],"sentiment":"neutral","sentiment_score":0.23613888254532447,"num_words":13,"start":3.52,"end":10.559999},{"sentences":[{"text":"Thank you.","start":10.559999,"end":11.38,"sentiment":"positive","sentiment_score":0.52479587495327},{"text":"Sorry.","start":11.599999,"end":11.84,"sentiment":"neutral","sentiment_score":-0.029415171593427655},{"text":"I'm a couple minutes late.","start":11.84,"end":12.915,"sentiment":"neutral","sentiment_score":-0.10466754138469696},{"text":"Time ran away, and I got good.","start":13.635,"end":14.934999,"sentiment":"neutral","sentiment_score":0.000803086906671524},{"text":"Yeah.","start":17.475,"end":17.715,"sentiment":"neutral","sentiment_score":0.02487318217754364}],"sentiment":"neutral","sentiment_score":0.032958353869616985,"num_words":16,"start":10.559999,"end":17.715},{"sentences":[{"text":"I looked around and I was like, oh, no.","start":17.715,"end":19.575,"sentiment":"neutral","sentiment_score":-0.06684520261155234},{"text":"No.","start":20.915,"end":21.235,"sentiment":"neutral","sentiment_score":-0.1773844063282013},{"text":"Not at all.","start":21.235,"end":22.215,"sentiment":"neutral","sentiment_score":-0.13383928934733072},{"text":"Just the time just is when we're having fun.","start":22.355,"end":24.375,"sentiment":"neutral","sentiment_score":0.03885083066092597},{"text":"Now before we jump into it, I do need to let you know our calls are recorded.","start":27.320002,"end":30.2,"sentiment":"neutral","sentiment_score":0.025667527800097185}],"sentiment":"neutral","sentiment_score":-0.010115478187799454,"num_words":39,"start":17.715,"end":30.2},{"sentences":[{"text":"And if it's okay, can I just get you complete security for me?","start":30.2,"end":32.760002,"sentiment":"neutral","sentiment_score":0.05598853070002336},{"text":"Just full name, date of birth, and address that I would have on file.","start":32.760002,"end":35.58,"sentiment":"neutral","sentiment_score":0.045954050230128426},{"text":"Amazing.","start":44.935,"end":45.435,"sentiment":"positive","sentiment_score":0.3909444212913513},{"text":"Perfect.","start":45.495,"end":45.995,"sentiment":"positive","sentiment_score":0.42275679111480713},{"text":"Okay.","start":47.495,"end":47.895,"sentiment":"neutral","sentiment_score":0.055204227566719055}],"sentiment":"neutral","sentiment_score":0.07467043474316597,"num_words":30,"start":30.2,"end":47.895},{"sentences":[{"text":"So my team has let me know that you have moved over to New Zealand, and we're not in Australia anymore.","start":47.895,"end":58.370003,"sentiment":"neutral","sentiment_score":-0.01200653470697857},{"text":"I guess, first and foremost, I have a couple of questions.","start":58.75,"end":61.33,"sentiment":"neutral","sentiment_score":-0.06321480192921379},{"text":"Are we intending on returning to Australia anytime?","start":63.550003,"end":67.25,"sentiment":"neutral","sentiment_score":-0.04690590687096119},{"text":"No.","start":73.045,"end":73.285,"sentiment":"neutral","sentiment_score":-0.1615956425666809},{"text":"That's okay.","start":73.285,"end":74.105,"sentiment":"neutral","sentiment_score":-0.1291348859667778}],"sentiment":"neutral","sentiment_score":-0.04052587719850762,"num_words":43,"start":47.895,"end":74.105},{"sentences":[{"text":"I guess, realistically, with with regards to, like, your your fund, your account, and everything over here, there are choices you have available to you, and we can definitely put them all down and and go through them.","start":75.765,"end":88.48,"sentiment":"neutral","sentiment_score":0.02049590186461022},{"text":"But before we start breaking them down and overloading with information, is or have you deliberated or considered what you wanna do with your super funds over here in Australia, your insurance policy over here in Australia, and, like, I guess, any other assets?","start":88.94,"end":105.024994,"sentiment":"neutral","sentiment_score":-0.05466451690616933},{"text":"Yep.","start":127.185,"end":127.685,"sentiment":"neutral","sentiment_score":0.005506911780685186},{"text":"No.","start":161.615,"end":161.935,"sentiment":"neutral","sentiment_score":-0.10647974908351898},{"text":"Okay.","start":161.935,"end":162.255,"sentiment":"neutral","sentiment_score":-0.04655073583126068}],"sentiment":"neutral","sentiment_score":-0.020869624072357134,"num_words":85,"start":75.765,"end":162.255},{"sentences":[{"text":"Well, let's break it down.","start":162.255,"end":163.395,"sentiment":"neutral","sentiment_score":0.009724254347383976},{"text":"So there are some rules with regards to contributions in so far.","start":163.77501,"end":169.76,"sentiment":"neutral","sentiment_score":0.021415374396989744},{"text":"So in 2019, the government brought out legislation that's called protect your stuff.","start":170.22,"end":177.36,"sentiment":"neutral","sentiment_score":0.03968978902468315},{"text":"Now, essentially, what that means is that if you have a policy, like an insurance policy on your super fund that that is built in as a platform policy, which yours is not.","start":177.515,"end":190.015,"sentiment":"neutral","sentiment_score":-0.036958226214417},{"text":"So you have a Clearview insurance policy.","start":190.36,"end":192.04,"sentiment":"neutral","sentiment_score":0.00361285890851702}],"sentiment":"neutral","sentiment_score":-0.005325120441349489,"num_words":70,"start":162.255,"end":192.04},{"sentences":[{"text":"It's not a platform policy.","start":192.04,"end":193.8,"sentiment":"neutral","sentiment_score":-0.0384867338463664},{"text":"It's actually a separate account that requests payment from your super fund.","start":193.8,"end":198.78,"sentiment":"neutral","sentiment_score":-0.018835116371822853},{"text":"But, essentially, if you do have a platform policy, what happens is it be if your super fund is inactive for eight sixteen months, then the super fund actually has a requirement that they have to cancel the insurance policy and then initiate basically a transitionary phase where they would move the money to the ATO, and the ATO then takes that super money and allocates it to whatever active super fund you have.","start":199.87999,"end":226.32,"sentiment":"neutral","sentiment_score":-0.12486558193592606},{"text":"Now you don't fall into that category.","start":226.54001,"end":229.52,"sentiment":"neutral","sentiment_score":-0.11745248415640422},{"text":"And the reason you don't is because your super fund is not a default account.","start":230.46,"end":236.185,"sentiment":"neutral","sentiment_score":0.010645837585131327}],"sentiment":"neutral","sentiment_score":-0.09133617658646101,"num_words":113,"start":192.04,"end":236.185},{"sentences":[{"text":"It is a specifically managed account because you have us managing it.","start":236.185,"end":240.045,"sentiment":"neutral","sentiment_score":0.05466877079258362},{"text":"So it's never gonna fall into the inactive status because we're constantly on the account.","start":240.425,"end":244.685,"sentiment":"neutral","sentiment_score":-0.022652806341648103},{"text":"If you set and forget it and logged in, never touched it, then absolutely.","start":245.465,"end":248.77,"sentiment":"neutral","sentiment_score":0.07817944485161986},{"text":"But we're logging in and we're touching it all the time.","start":248.83,"end":251.01,"sentiment":"neutral","sentiment_score":0.019453502577644857},{"text":"Second to that, your insurance policy isn't a platform policy.","start":252.75,"end":257.15,"sentiment":"neutral","sentiment_score":-0.026912628300487997}],"sentiment":"neutral","sentiment_score":0.02186463915577699,"num_words":62,"start":236.185,"end":257.15},{"sentences":[{"text":"It is as I said, it's basically, your insurance policy is actually its own super super account, the way it's structured.","start":257.15,"end":263.95502,"sentiment":"neutral","sentiment_score":0.032583673528972124},{"text":"So what happens is you have a ClearView insurance policy and ClearView is the insurer.","start":263.95502,"end":268.055,"sentiment":"neutral","sentiment_score":0.09348279138406118},{"text":"And what ClearView does is they set up a super fund under that that insurance policy, and that super fund basically just requests money from your hub twenty four fund.","start":268.355,"end":279.59,"sentiment":"neutral","sentiment_score":0.17371931175390878},{"text":"And it feeds into that that super that new super account and pays the premiums and just kind of all gets absorbed into that account.","start":279.72998,"end":286.63,"sentiment":"neutral","sentiment_score":0.27244802117347716},{"text":"It's a little bit weird, like, explaining it this way, but from a technical point of view, it does make perfect sense, I guess, from my side.","start":286.93,"end":295.285,"sentiment":"neutral","sentiment_score":0.051608567850457296}],"sentiment":"neutral","sentiment_score":0.13137890024394808,"num_words":118,"start":257.15,"end":295.285},{"sentences":[{"text":"But that's kind of a it's a higher higher overarching crux of it.","start":295.285,"end":298.665,"sentiment":"neutral","sentiment_score":-0.022166800470306322},{"text":"Now Yeah.","start":299.205,"end":307.21,"sentiment":"neutral","sentiment_score":0.08556479588150978},{"text":"Yes.","start":311.50998,"end":312.00998,"sentiment":"neutral","sentiment_score":0.15797469019889832},{"text":"No.","start":316.15,"end":316.65,"sentiment":"neutral","sentiment_score":-0.06481200456619263},{"text":"Definitely.","start":316.71,"end":317.21,"sentiment":"neutral","sentiment_score":-0.01752873882651329}],"sentiment":"neutral","sentiment_score":-0.0023002704191539022,"num_words":18,"start":295.285,"end":317.21},{"sentences":[{"text":"And, I mean, ultimately speaking, your Clear Insurance is is actually worldwide cover.","start":317.34998,"end":325.445,"sentiment":"neutral","sentiment_score":0.13669046071859506},{"text":"So if anything happens to you with respect to, like, being unable to work, anything like that, you would still be protected.","start":325.745,"end":335.46002,"sentiment":"neutral","sentiment_score":-0.08143962547183037},{"text":"The one thing I would want to look into is probably the income protection side of things, purely and simply because you're not working in the Australian occupation anymore.","start":335.68002,"end":346.20502,"sentiment":"neutral","sentiment_score":-0.061367004082120695},{"text":"But I have a look into that from a back end, like, read BDS.","start":346.265,"end":350.425,"sentiment":"neutral","sentiment_score":0.025075830652245452},{"text":"I can contact my BDM and just kind of get confirmation on that side.","start":350.425,"end":355.17,"sentiment":"neutral","sentiment_score":0.10745390025632721}],"sentiment":"neutral","sentiment_score":0.0006638841663041841,"num_words":92,"start":317.34998,"end":355.17},{"sentences":[{"text":"I I do have a lot of clients that do work overseas, but generally speaking, most of them are working for Australian companies in other countries.","start":355.33002,"end":365.43002,"sentiment":"neutral","sentiment_score":0.07623794990090224},{"text":"So it's like an Australian based employer getting paid Australian dollars, all the rest of it.","start":366.61002,"end":370.67502,"sentiment":"neutral","sentiment_score":0.09789729537442327},{"text":"I will have a look at it.","start":370.67502,"end":372.05502,"sentiment":"neutral","sentiment_score":0.0003609843552112582},{"text":"Not yeah.","start":372.99503,"end":374.21503,"sentiment":"neutral","sentiment_score":-0.06577415950596333},{"text":"Yeah.","start":376.515,"end":376.915,"sentiment":"neutral","sentiment_score":0.0484437420964241}],"sentiment":"neutral","sentiment_score":0.06669164878817704,"num_words":52,"start":355.33002,"end":376.915},{"sentences":[{"text":"I I'll have a look at the income protection policy because ultimately, you have three different components to your to your policy as a whole.","start":376.915,"end":384.78,"sentiment":"neutral","sentiment_score":0.08083260729908943},{"text":"You have, like, the yeah.","start":385.02,"end":386.38,"sentiment":"neutral","sentiment_score":-0.007539563626050949},{"text":"To your cleavage policy.","start":386.38,"end":387.52,"sentiment":"neutral","sentiment_score":-0.1689481008797884},{"text":"We have the TDD or the total permanent disability benefit, and then you have the income protection benefit.","start":389.34,"end":394.8,"sentiment":"neutral","sentiment_score":0.05556522785789437},{"text":"So income protection obviously covers your wages if you are ill or injured.","start":395.66,"end":399.36,"sentiment":"neutral","sentiment_score":0.03520390964471377}],"sentiment":"neutral","sentiment_score":0.04254076750232623,"num_words":65,"start":376.915,"end":399.36},{"sentences":[{"text":"TPD is a lump sum that covers you if you're never able to work again, and then life cover pays out if you were to pass away or terminally ill.","start":399.705,"end":407.405,"sentiment":"neutral","sentiment_score":0.028072830227514108},{"text":"So each of those benefits can actually exist, like, pretty much without the other.","start":409.225,"end":414.35,"sentiment":"neutral","sentiment_score":0.1541596938456808},{"text":"The life and TPD are set up as a linked benefit.","start":414.35,"end":417.49002,"sentiment":"neutral","sentiment_score":0.15293258970434015},{"text":"So life that can exist without TPD, but TPD cannot exist without life as the policy currently stands.","start":417.55002,"end":424.37,"sentiment":"neutral","sentiment_score":0.09554814547300339},{"text":"So I can have a look at yeah.","start":426.185,"end":429.72498,"sentiment":"neutral","sentiment_score":0.03695852681994438}],"sentiment":"neutral","sentiment_score":0.08269399926526311,"num_words":81,"start":399.705,"end":429.72498},{"sentences":[{"text":"Yes.","start":431.54498,"end":432.04498,"sentiment":"neutral","sentiment_score":0.16576740145683289},{"text":"Basically.","start":432.185,"end":432.685,"sentiment":"neutral","sentiment_score":0.0935363918542862},{"text":"Yep.","start":443.91,"end":444.41,"sentiment":"neutral","sentiment_score":0.028012562543153763},{"text":"Yeah.","start":461.095,"end":461.335,"sentiment":"neutral","sentiment_score":0.031010309234261513},{"text":"A little bit.","start":461.335,"end":462.155,"sentiment":"neutral","sentiment_score":0.020884744822978973}],"sentiment":"neutral","sentiment_score":0.05442584279392447,"num_words":7,"start":431.54498,"end":462.155},{"sentences":[{"text":"No.","start":464.855,"end":465.175,"sentiment":"neutral","sentiment_score":-0.05576936528086662},{"text":"That that's okay.","start":465.175,"end":466.315,"sentiment":"neutral","sentiment_score":-0.03652675201495489},{"text":"There are a couple of options that I can look at.","start":468.07,"end":471.69,"sentiment":"neutral","sentiment_score":0.07077385756102475},{"text":"Because Australia and New Zealand and it's been a hot minute since I've looked into it, like a decade.","start":472.47,"end":479.53,"sentiment":"neutral","sentiment_score":0.0009305109024832124},{"text":"So I'll need to refresh my memory on how the legislation works.","start":480.17502,"end":484.415,"sentiment":"neutral","sentiment_score":-0.016109227590883773}],"sentiment":"neutral","sentiment_score":0.009511560606567757,"num_words":46,"start":464.855,"end":484.415},{"sentences":[{"text":"But because Australian and New Zealand are basically brothers.","start":484.415,"end":488.595,"sentiment":"neutral","sentiment_score":0.006767930255995857},{"text":"Yeah.","start":490.335,"end":490.835,"sentiment":"neutral","sentiment_score":0.04371660202741623},{"text":"Correct.","start":494.46,"end":494.96,"sentiment":"neutral","sentiment_score":0.10047118365764618},{"text":"So what I wanna look into is from a tax perspective, because there are some options we could look into if you did wanna kind of use the Superfund for a little bit of wealth generation, because that we may be able to, and it's just gonna depend on the tax side of things.","start":495.02,"end":511.675,"sentiment":"neutral","sentiment_score":0.05788694339355937},{"text":"We could possibly look into you doing what's called personal contribution into your super fund.","start":511.895,"end":519.675,"sentiment":"neutral","sentiment_score":0.07059795099000137}],"sentiment":"neutral","sentiment_score":0.05487454207614064,"num_words":80,"start":484.415,"end":519.675},{"sentences":[{"text":"And then what happens is the Australian government actually ends up paying an additional $500 into your super fund on your freely.","start":520.58,"end":530.2,"sentiment":"neutral","sentiment_score":0.227892763574015},{"text":"And that's it's called a government co contribution.","start":530.82,"end":533.16003,"sentiment":"neutral","sentiment_score":0.28988959826529026},{"text":"So I can look into that if that's sort of a structure you wanna look at to kind of use the funds to just generate some wealth that way, and it will kind of help offset some of the premiums from your from the insurance policy.","start":533.745,"end":545.685,"sentiment":"positive","sentiment_score":0.4209876134991646},{"text":"But I can kind of do all that research from a back end perspective and kind of present findings to you, and we can kind of go from there.","start":547.31,"end":553.00995,"sentiment":"neutral","sentiment_score":0.32259345671226236},{"text":"Yes.","start":570.965,"end":571.465,"sentiment":"neutral","sentiment_score":-0.20633789896965027}],"sentiment":"positive","sentiment_score":0.33817981274903947,"num_words":106,"start":520.58,"end":571.465},{"sentences":[{"text":"Yes.","start":577.12,"end":577.62,"sentiment":"neutral","sentiment_score":-0.06137637794017792},{"text":"Yes.","start":578.0,"end":578.5,"sentiment":"neutral","sentiment_score":-0.06091724336147308},{"text":"Yeah.","start":591.44,"end":591.825,"sentiment":"neutral","sentiment_score":-0.13412782549858093},{"text":"Yep.","start":604.065,"end":604.565,"sentiment":"neutral","sentiment_score":0.04768874868750572},{"text":"You submitted 20 you so you you've submitted twenty six twenty seven already as well.","start":605.97,"end":616.62994,"sentiment":"neutral","sentiment_score":0.11114493360122045}],"sentiment":"neutral","sentiment_score":0.07676006873187266,"num_words":19,"start":577.12,"end":616.62994},{"sentences":[{"text":"Everything.","start":620.365,"end":620.865,"sentiment":"neutral","sentiment_score":-0.1208413541316986},{"text":"Yep.","start":624.205,"end":624.705,"sentiment":"neutral","sentiment_score":-0.06979929655790329},{"text":"Yes.","start":633.245,"end":633.745,"sentiment":"neutral","sentiment_score":0.0661444216966629},{"text":"Yeah.","start":635.65,"end":635.89,"sentiment":"neutral","sentiment_score":0.06743855029344559},{"text":"Yeah.","start":635.89,"end":636.13,"sentiment":"neutral","sentiment_score":0.05711452662944794}],"sentiment":"neutral","sentiment_score":0.000011369585990905762,"num_words":5,"start":620.365,"end":636.13},{"sentences":[{"text":"Yeah.","start":636.13,"end":636.63,"sentiment":"neutral","sentiment_score":0.08265722543001175},{"text":"Yeah.","start":640.52997,"end":641.02997,"sentiment":"neutral","sentiment_score":-0.0175456739962101},{"text":"Hello?","start":653.075,"end":653.575,"sentiment":"neutral","sentiment_score":-0.2598820924758911},{"text":"Yeah.","start":658.515,"end":658.91504,"sentiment":"neutral","sentiment_score":0.026084493845701218},{"text":"So available funds.","start":658.91504,"end":660.455,"sentiment":"neutral","sentiment_score":0.048519961535930634}],"sentiment":"neutral","sentiment_score":-0.0033037375126566204,"num_words":7,"start":636.13,"end":660.455},{"sentences":[{"text":"Option with respect to there are options with respect to transferring, like, withdrawing from super funds when you it's called departing it's a d a d a s p.","start":663.93,"end":683.445,"sentiment":"neutral","sentiment_score":0.009539437383927148},{"text":"It's departing Australia superannuation payment.","start":683.665,"end":687.365,"sentiment":"neutral","sentiment_score":-0.0058620287338271735},{"text":"There are very, very specific yeah.","start":690.545,"end":694.76996,"sentiment":"neutral","sentiment_score":-0.10326568223536015},{"text":"There's really, really, really specific eligibility requirements for it, which Right.","start":694.76996,"end":723.01,"sentiment":"neutral","sentiment_score":-0.10228753614832055},{"text":"Well, it's so I guess background wise, what what what is your citizenship status?","start":723.55,"end":732.29004,"sentiment":"neutral","sentiment_score":-0.021938290280689086}],"sentiment":"neutral","sentiment_score":-0.02776245406936281,"num_words":65,"start":663.93,"end":732.29004},{"sentences":[{"text":"Yep.","start":748.81,"end":749.31,"sentiment":"neutral","sentiment_score":0.01059533841907978},{"text":"In Australia.","start":770.745,"end":771.485,"sentiment":"neutral","sentiment_score":-0.12356408685445786},{"text":"Yeah.","start":773.22,"end":773.72,"sentiment":"neutral","sentiment_score":-0.07348830997943878},{"text":"Very different system.","start":773.86,"end":775.0,"sentiment":"neutral","sentiment_score":-0.12629157801469168},{"text":"Okay.","start":776.42,"end":776.82,"sentiment":"neutral","sentiment_score":-0.3199380040168762}],"sentiment":"neutral","sentiment_score":-0.12610423541627824,"num_words":8,"start":748.81,"end":776.82},{"sentences":[{"text":"So really painful.","start":776.82,"end":784.68,"sentiment":"negative","sentiment_score":-0.5647375484307607},{"text":"No.","start":785.375,"end":785.695,"sentiment":"neutral","sentiment_score":-0.2842634916305542},{"text":"That's okay.","start":785.695,"end":786.435,"sentiment":"neutral","sentiment_score":-0.14280741661787033},{"text":"Where were you where were you born?","start":786.735,"end":788.675,"sentiment":"neutral","sentiment_score":-0.03248328263206141},{"text":"Okay.","start":791.295,"end":791.695,"sentiment":"neutral","sentiment_score":0.016655541956424713}],"sentiment":"neutral","sentiment_score":-0.17677274333047016,"num_words":14,"start":776.82,"end":791.695},{"sentences":[{"text":"So born in Australia, fully Australian citizen, and get it, girl.","start":791.695,"end":798.815,"sentiment":"neutral","sentiment_score":0.02816652777520093},{"text":"Me too.","start":798.815,"end":799.555,"sentiment":"neutral","sentiment_score":0.006923239678144455},{"text":"You know, gotta gotta get back on those convict fleets.","start":803.01,"end":805.43005,"sentiment":"neutral","sentiment_score":-0.06833589747548104},{"text":"So oh, for funsies, I I I I traced my heritage back to, like, the actual convict, like, the fleets that came over to Australia.","start":805.89,"end":821.595,"sentiment":"neutral","sentiment_score":0.02193299286067486},{"text":"So yeah.","start":822.935,"end":823.65497,"sentiment":"neutral","sentiment_score":0.06157531589269638}],"sentiment":"neutral","sentiment_score":0.00623589526861906,"num_words":50,"start":791.695,"end":823.65497},{"sentences":[{"text":"Yeah.","start":823.65497,"end":824.13495,"sentiment":"neutral","sentiment_score":0.04522034898400307},{"text":"Yeah.","start":824.13495,"end":824.63495,"sentiment":"neutral","sentiment_score":0.03889860212802887},{"text":"As as OG Australian as you can kinda get, really.","start":824.935,"end":827.915,"sentiment":"neutral","sentiment_score":0.035833520069718364},{"text":"So without being a full national.","start":828.535,"end":832.2,"sentiment":"neutral","sentiment_score":0.004634982983892162},{"text":"Yes.","start":832.98,"end":833.38,"sentiment":"neutral","sentiment_score":0.011225935071706772}],"sentiment":"neutral","sentiment_score":0.025341578146540804,"num_words":19,"start":823.65497,"end":833.38},{"sentences":[{"text":"Yes.","start":833.38,"end":833.88,"sentiment":"neutral","sentiment_score":0.01032957248389721},{"text":"No.","start":846.485,"end":846.885,"sentiment":"neutral","sentiment_score":-0.273821622133255},{"text":"The documentation is is unclear.","start":846.885,"end":848.64496,"sentiment":"neutral","sentiment_score":-0.32999482154846194},{"text":"Yeah.","start":848.64496,"end":849.125,"sentiment":"neutral","sentiment_score":-0.13913407921791077},{"text":"There's small amount of Aboriginal heritage was for me, but it's so micro, it probably doesn't really count.","start":849.125,"end":854.885,"sentiment":"neutral","sentiment_score":-0.19022277535663712}],"sentiment":"neutral","sentiment_score":-0.21063885357804024,"num_words":26,"start":833.38,"end":854.885},{"sentences":[{"text":"So it's always kind of fun, like, looking at all, like, the intricacies of, like, where heritage falls.","start":854.885,"end":860.31,"sentiment":"neutral","sentiment_score":-0.16230836303697693},{"text":"But, anyway, sorry.","start":860.39,"end":861.19,"sentiment":"neutral","sentiment_score":-0.13027661542097727},{"text":"Off track.","start":861.19,"end":861.93,"sentiment":"neutral","sentiment_score":-0.09440382570028305},{"text":"So Australian citizen, born Australia, permanent resident of New Zealand, and we moved over two months ago with absolutely no expectations to move back.","start":862.71,"end":874.41,"sentiment":"neutral","sentiment_score":-0.0826334998710081},{"text":"Oh, congratulations.","start":880.725,"end":881.46497,"sentiment":"neutral","sentiment_score":0.1599610149860382}],"sentiment":"neutral","sentiment_score":-0.10539734692369797,"num_words":49,"start":854.885,"end":881.46497},{"sentences":[{"text":"Sorry.","start":901.995,"end":902.495,"sentiment":"neutral","sentiment_score":-0.13219062983989716},{"text":"So while we're getting married in New Zealand and planning on going for citizenship?","start":903.835,"end":908.41504,"sentiment":"neutral","sentiment_score":-0.09527045648012843},{"text":"Resident.","start":927.26996,"end":927.76996,"sentiment":"neutral","sentiment_score":-0.04553315043449402},{"text":"Yeah.","start":927.91,"end":928.41,"sentiment":"neutral","sentiment_score":-0.05592341721057892},{"text":"Cool.","start":936.735,"end":937.135,"sentiment":"neutral","sentiment_score":0.09901657700538637}],"sentiment":"neutral","sentiment_score":-0.08157872284452121,"num_words":18,"start":901.995,"end":937.135},{"sentences":[{"text":"Alright.","start":937.135,"end":937.635,"sentiment":"neutral","sentiment_score":-0.02924029901623726},{"text":"I'm just yeah.","start":939.055,"end":948.81,"sentiment":"neutral","sentiment_score":-0.09150607883930206},{"text":"I can choose citizen.","start":948.81,"end":949.87,"sentiment":"neutral","sentiment_score":0.03334215376526117},{"text":"And because of how it works, like how New Zealand and Australia work, it kinda works.","start":951.37,"end":956.67,"sentiment":"neutral","sentiment_score":0.10466521442867815},{"text":"Okay.","start":958.725,"end":958.96497,"sentiment":"neutral","sentiment_score":0.05134643614292145}],"sentiment":"neutral","sentiment_score":0.06222399786114693,"num_words":25,"start":937.135,"end":958.96497},{"sentences":[{"text":"Cool.","start":958.96497,"end":959.46497,"sentiment":"neutral","sentiment_score":0.1382514238357544},{"text":"So unless you were to drop your citizenship yeah.","start":959.685,"end":969.545,"sentiment":"neutral","sentiment_score":-0.07252438904510604},{"text":"The intricacies are like, even if you were even if you were to drop your citizenship from Australia, because you're in Tasmania, you're excluded from being able to take on the DASK payment.","start":970.02997,"end":981.33,"sentiment":"neutral","sentiment_score":-0.12820407883687454},{"text":"Yep.","start":984.415,"end":984.915,"sentiment":"neutral","sentiment_score":0.0032357897143810987},{"text":"So, really, the options you have so if you're really seeking to get money, the only option you have to be able to obtain money from Australia are basically limited to this too.","start":985.135,"end":998.36,"sentiment":"neutral","sentiment_score":-0.17560364509170706}],"sentiment":"neutral","sentiment_score":-0.13684269061687027,"num_words":77,"start":958.96497,"end":998.36},{"sentences":[{"text":"It's financial hardship, which you're not gonna qualify for because you're working in another country on central bank benefits or compassionate grounds, which compassionate grounds are gonna fall into you're about to lose your house, your it's like someone passed away.","start":998.98,"end":1018.305,"sentiment":"negative","sentiment_score":-0.367834870408221},{"text":"It's along those lines.","start":1021.805,"end":1022.765,"sentiment":"neutral","sentiment_score":-0.19986852258443832},{"text":"Like, it it basically, the money becomes preserved.","start":1022.765,"end":1026.9,"sentiment":"neutral","sentiment_score":-0.22934899665415287},{"text":"Yeah.","start":1030.48,"end":1030.96,"sentiment":"neutral","sentiment_score":-0.12835122644901276},{"text":"So it because the money is preserved, it's very specifically locked away with the intention of accessing it for retirement.","start":1030.96,"end":1038.42,"sentiment":"neutral","sentiment_score":-0.20596028193831445}],"sentiment":"neutral","sentiment_score":-0.29679800831788294,"num_words":74,"start":998.98,"end":1038.42},{"sentences":[{"text":"The cool thing is is that it's 60, so you would be able to access it at 60.","start":1039.615,"end":1046.095,"sentiment":"neutral","sentiment_score":0.06549628637731075},{"text":"However, you are 31, so that's just a few years away for you.","start":1046.095,"end":1051.215,"sentiment":"neutral","sentiment_score":-0.16903851668422037},{"text":"Nothing too crazy.","start":1051.215,"end":1052.275,"sentiment":"neutral","sentiment_score":-0.29118894537289935},{"text":"Just a couple of years.","start":1055.4701,"end":1056.6901,"sentiment":"neutral","sentiment_score":-0.19631381034851075},{"text":"Yeah.","start":1060.9901,"end":1061.31,"sentiment":"neutral","sentiment_score":-0.02153097279369831}],"sentiment":"neutral","sentiment_score":-0.07238086056895554,"num_words":40,"start":1039.615,"end":1061.31},{"sentences":[{"text":"Yeah.","start":1061.31,"end":1061.63,"sentiment":"neutral","sentiment_score":-0.01869415119290352},{"text":"Just just double down on what you've already done.","start":1061.63,"end":1063.9701,"sentiment":"neutral","sentiment_score":-0.048083287146356374},{"text":"So it is it is ultimately the choice is leave the money in Australia, and, realistically, you have access to any any super fund in Australia.","start":1065.995,"end":1075.855,"sentiment":"neutral","sentiment_score":0.3138667545639552},{"text":"If you wanna leave your money in Australia, we can have a board of conversation as that looks like, whether you retain us as actively manage the managing the investment, and we can continue doing these kinds of phone calls.","start":1076.715,"end":1088.54,"sentiment":"neutral","sentiment_score":0.31546164155006406},{"text":"I'm happy to like, we can do it over WhatsApp or something like that.","start":1088.92,"end":1091.24,"sentiment":"positive","sentiment_score":0.6774728000164032}],"sentiment":"neutral","sentiment_score":0.3312464082820548,"num_words":90,"start":1061.31,"end":1091.24},{"sentences":[{"text":"We can do video calls, stuff like that.","start":1091.24,"end":1092.76,"sentiment":"positive","sentiment_score":0.5308509320020676},{"text":"So that way, it's a little bit more personable.","start":1092.76,"end":1094.62,"sentiment":"positive","sentiment_score":0.5510752664672004},{"text":"That's okay.","start":1113.41,"end":1113.8099,"sentiment":"neutral","sentiment_score":-0.13734778761863708},{"text":"It's costing me yeah.","start":1113.8099,"end":1116.21,"sentiment":"neutral","sentiment_score":-0.15095584839582443},{"text":"It's costing me a heat today, so that's okay.","start":1116.21,"end":1118.23,"sentiment":"negative","sentiment_score":-0.3931963923904631}],"sentiment":"neutral","sentiment_score":0.14966244855895638,"num_words":32,"start":1091.24,"end":1118.23},{"sentences":[{"text":"No.","start":1118.61,"end":1118.85,"sentiment":"neutral","sentiment_score":-0.261462539434433},{"text":"That's that's absolutely understandable.","start":1118.85,"end":1120.47,"sentiment":"neutral","sentiment_score":-0.14073955221101642},{"text":"WhatsApp, we have a few clients who, again, work for everybody.","start":1121.01,"end":1124.07,"sentiment":"neutral","sentiment_score":0.1406742578203028},{"text":"We can, like, work on WhatsApp.","start":1125.065,"end":1127.085,"sentiment":"neutral","sentiment_score":0.12042326480150223},{"text":"We request that you don't try and message us on WhatsApp.","start":1128.585,"end":1131.645,"sentiment":"neutral","sentiment_score":0.01940842540088025}],"sentiment":"neutral","sentiment_score":0.05027358654434934,"num_words":33,"start":1118.61,"end":1131.645},{"sentences":[{"text":"You, like, email us if you need to get in contact with us and we can get to a meeting by WhatsApp or, again, like, we can Google Meet, Teams, Zoom, anything like that.","start":1132.105,"end":1140.27,"sentiment":"neutral","sentiment_score":0.20560460800633712},{"text":"That's it's nice and easy.","start":1140.27,"end":1141.73,"sentiment":"positive","sentiment_score":0.669121241569519},{"text":"And we can do stuff like that and again, like, I can sit down with you and we can, like, so can kind of have a look at where things fit for yourself.","start":1142.67,"end":1151.665,"sentiment":"positive","sentiment_score":0.46063268094351795},{"text":"Even if you don't want me to kind of investigate the budgetary side of things, it could just be a good tool for you to be able to break down where your expenses sit and try and plan for the new life you're about to bring into the world and the massive changes you're going through.","start":1151.805,"end":1166.49,"sentiment":"positive","sentiment_score":0.38085074057536467},{"text":"Just give you kind of, I guess, some perspective.","start":1166.87,"end":1168.65,"sentiment":"neutral","sentiment_score":0.1848287789358033}],"sentiment":"positive","sentiment_score":0.3542200133857066,"num_words":137,"start":1132.105,"end":1168.65},{"sentences":[{"text":"And maybe sort of when things settle down, and it could be maybe in a few months or maybe twelve months after baby we can kinda loop back around and have a bit of a broader conversation about probably adding those contributions in to the fund when finances settle and you kinda get used to the norm.","start":1170.7101,"end":1190.095,"sentiment":"neutral","sentiment_score":0.07594168388791252},{"text":"The alternative is is that we do transition everything over to New Zealand.","start":1190.875,"end":1204.61,"sentiment":"neutral","sentiment_score":0.07768942272433868},{"text":"Absolutely.","start":1204.61,"end":1205.11,"sentiment":"positive","sentiment_score":0.4134065508842468},{"text":"Yep.","start":1216.545,"end":1217.045,"sentiment":"neutral","sentiment_score":0.24198880791664124},{"text":"Yes.","start":1228.54,"end":1229.04,"sentiment":"neutral","sentiment_score":0.28242966532707214}],"sentiment":"neutral","sentiment_score":0.08597895207062159,"num_words":73,"start":1170.7101,"end":1229.04},{"sentences":[{"text":"Yeah.","start":1251.14,"end":1251.4601,"sentiment":"positive","sentiment_score":0.3755182325839996},{"text":"Cool.","start":1251.4601,"end":1251.6201,"sentiment":"positive","sentiment_score":0.4943491816520691},{"text":"No.","start":1251.6201,"end":1251.9401,"sentiment":"neutral","sentiment_score":0.21900546550750732},{"text":"I'm more than happy to.","start":1251.9401,"end":1253.3201,"sentiment":"positive","sentiment_score":0.4268114924430847},{"text":"Well, let's do this.","start":1253.38,"end":1254.6001,"sentiment":"neutral","sentiment_score":0.32926052808761597}],"sentiment":"positive","sentiment_score":0.378331037859122,"num_words":12,"start":1251.14,"end":1254.6001},{"sentences":[{"text":"Let's let's schedule an appointment for a couple weeks.","start":1254.9,"end":1259.78,"sentiment":"neutral","sentiment_score":0.2527136190070046},{"text":"Just give me and my power planner a little bit of time to just go into the math side of things, and I can contact the insurer and go from there.","start":1259.78,"end":1269.605,"sentiment":"neutral","sentiment_score":0.17853672441936308},{"text":"Would you be okay with, say, like, Thursday actually, can we go Tuesday the twenty second?","start":1270.225,"end":1277.605,"sentiment":"neutral","sentiment_score":0.07718256581574678},{"text":"02:39.","start":1291.7251,"end":1292.865,"sentiment":"neutral","sentiment_score":0.05040097236633301},{"text":"Yep.","start":1293.405,"end":1293.805,"sentiment":"neutral","sentiment_score":0.18288592994213104}],"sentiment":"neutral","sentiment_score":0.15995291350730534,"num_words":58,"start":1254.9,"end":1293.805},{"sentences":[{"text":"That suits you.","start":1293.805,"end":1294.6051,"sentiment":"neutral","sentiment_score":0.31076831618944806},{"text":"I am all I'm also happy to go a little bit later for you.","start":1294.6051,"end":1298.0651,"sentiment":"neutral","sentiment_score":0.3068285584449768},{"text":"Say, I can do, like, 04:00 my time, which will be 6PM your time.","start":1298.6051,"end":1301.985,"sentiment":"neutral","sentiment_score":0.11848240106233529},{"text":"Perfection.","start":1316.265,"end":1316.765,"sentiment":"positive","sentiment_score":0.5221707224845886},{"text":"Yep.","start":1324.5851,"end":1325.0851,"sentiment":"neutral","sentiment_score":0.003903677687048912}],"sentiment":"neutral","sentiment_score":0.22462826611643488,"num_words":33,"start":1293.805,"end":1325.0851},{"sentences":[{"text":"Yeah.","start":1328.265,"end":1328.745,"sentiment":"neutral","sentiment_score":0.14855830371379852},{"text":"Perfect.","start":1328.745,"end":1329.245,"sentiment":"positive","sentiment_score":0.43486371636390686},{"text":"Alright.","start":1329.385,"end":1329.885,"sentiment":"neutral","sentiment_score":0.2179131805896759},{"text":"What I'll do, I will pop in a I I yeah.","start":1329.9,"end":1334.22,"sentiment":"neutral","sentiment_score":0.11744661087339575},{"text":"Pop it in my calendar now.","start":1334.22,"end":1335.22,"sentiment":"neutral","sentiment_score":0.1813263992468516}],"sentiment":"neutral","sentiment_score":0.1590603157877922,"num_words":20,"start":1328.265,"end":1335.22},{"sentences":[{"text":"I'll send you an invite, and I'll go ahead and do Do you just wanna go do you wanna go do you just wanna go to meets?","start":1335.22,"end":1350.785,"sentiment":"neutral","sentiment_score":0.03882581061097207},{"text":"I mean, like so what I do is I will send you an invite.","start":1353.005,"end":1356.945,"sentiment":"neutral","sentiment_score":0.04027932110641684},{"text":"It'll be a calendar invite that will come through to your Hotmail account.","start":1357.245,"end":1361.04,"sentiment":"neutral","sentiment_score":0.06200341565104631},{"text":"And all you do is you just you click on the link that you receive and it'll open up.","start":1362.24,"end":1368.0801,"sentiment":"neutral","sentiment_score":0.09401437993112363},{"text":"It was like Google Meet is basically, like, Zoom connected connected to, like, a Gmail back end.","start":1368.0801,"end":1373.14,"sentiment":"neutral","sentiment_score":0.06646839332054644}],"sentiment":"neutral","sentiment_score":0.05927208545100358,"num_words":90,"start":1335.22,"end":1373.14},{"sentences":[{"text":"Yes.","start":1373.28,"end":1373.6001,"sentiment":"neutral","sentiment_score":0.06288662552833557},{"text":"Yeah.","start":1373.6001,"end":1373.8401,"sentiment":"neutral","sentiment_score":0.06012347713112831},{"text":"Basically.","start":1373.8401,"end":1374.3401,"sentiment":"neutral","sentiment_score":0.049556754529476166},{"text":"It's just if there it no.","start":1376.085,"end":1382.5651,"sentiment":"neutral","sentiment_score":0.015000354343404373},{"text":"You don't have to download anything.","start":1382.5651,"end":1383.925,"sentiment":"neutral","sentiment_score":0.06477574569483598}],"sentiment":"neutral","sentiment_score":0.04341489716122548,"num_words":15,"start":1373.28,"end":1383.925},{"sentences":[{"text":"It's just it's literally Google's equivalent to a video conferencing software.","start":1383.925,"end":1388.645,"sentiment":"neutral","sentiment_score":0.06702731786803766},{"text":"That's all it is.","start":1388.645,"end":1389.7051,"sentiment":"neutral","sentiment_score":0.17428437992930412},{"text":"Nothing.","start":1391.03,"end":1391.53,"sentiment":"neutral","sentiment_score":0.14016671478748322},{"text":"Yeah.","start":1392.95,"end":1393.45,"sentiment":"neutral","sentiment_score":0.05579106509685517},{"text":"Yeah.","start":1402.47,"end":1402.97,"sentiment":"neutral","sentiment_score":0.1425590217113495}],"sentiment":"neutral","sentiment_score":0.09849748988118437,"num_words":18,"start":1383.925,"end":1402.97},{"sentences":[{"text":"Yes.","start":1403.35,"end":1403.75,"sentiment":"neutral","sentiment_score":0.2533639371395111},{"text":"Correct.","start":1403.75,"end":1404.25,"sentiment":"positive","sentiment_score":0.36863410472869873},{"text":"Yeah.","start":1404.9651,"end":1405.285,"sentiment":"neutral","sentiment_score":0.2410128116607666},{"text":"And we can we can go through through from there.","start":1405.285,"end":1406.725,"sentiment":"neutral","sentiment_score":0.15921636018902063},{"text":"So just to recap what I'm gonna look at, I'll look at the clear your insurance, make sure that each of the benefits are gonna be able to cover you over in NZ, and if not, what restrictions we have.","start":1406.725,"end":1418.97,"sentiment":"neutral","sentiment_score":0.014536636340199038}],"sentiment":"neutral","sentiment_score":0.057295092623153666,"num_words":53,"start":1403.35,"end":1418.97},{"sentences":[{"text":"Can I when are you due for your baby?","start":1420.33,"end":1424.35,"sentiment":"neutral","sentiment_score":0.007539725655482875},{"text":"No.","start":1429.37,"end":1429.61,"sentiment":"neutral","sentiment_score":-0.016008246690034866},{"text":"Cool.","start":1429.61,"end":1429.9299,"sentiment":"neutral","sentiment_score":0.11471253633499146},{"text":"That's okay.","start":1429.9299,"end":1430.49,"sentiment":"neutral","sentiment_score":0.16819896548986435},{"text":"Just get it I just need to know what's in the time frame.","start":1430.49,"end":1435.195,"sentiment":"neutral","sentiment_score":0.028021123976661608}],"sentiment":"neutral","sentiment_score":0.03335516781617816,"num_words":26,"start":1420.33,"end":1435.195},{"sentences":[{"text":"Work wise, what kind of income are you earning in NZD dollars?","start":1435.195,"end":1439.195,"sentiment":"neutral","sentiment_score":0.014711290054644147},{"text":"That's fine.","start":1439.195,"end":1439.9349,"sentiment":"neutral","sentiment_score":0.10304156690835953},{"text":"Yeah.","start":1462.325,"end":1462.825,"sentiment":"neutral","sentiment_score":-0.020233705639839172},{"text":"Yes.","start":1463.9249,"end":1464.4249,"sentiment":"neutral","sentiment_score":-0.007799230515956879},{"text":"Okay.","start":1470.1649,"end":1470.6649,"sentiment":"neutral","sentiment_score":-0.041938237845897675}],"sentiment":"neutral","sentiment_score":0.018391025910044417,"num_words":17,"start":1435.195,"end":1470.6649},{"sentences":[{"text":"Yep.","start":1479.67,"end":1480.17,"sentiment":"neutral","sentiment_score":-0.13250844180583954},{"text":"Yeah.","start":1496.125,"end":1496.625,"sentiment":"neutral","sentiment_score":-0.08819417655467987},{"text":"Yeah.","start":1496.685,"end":1497.185,"sentiment":"neutral","sentiment_score":-0.07900317013263702},{"text":"No.","start":1497.3251,"end":1497.8251,"sentiment":"neutral","sentiment_score":-0.2054256796836853},{"text":"I know that one.","start":1498.23,"end":1504.01,"sentiment":"neutral","sentiment_score":-0.14262858219444752}],"sentiment":"neutral","sentiment_score":-0.13445572461932898,"num_words":8,"start":1479.67,"end":1504.01},{"sentences":[{"text":"Woo.","start":1505.11,"end":1505.61,"sentiment":"neutral","sentiment_score":0.0426090769469738},{"text":"Winning.","start":1505.75,"end":1506.25,"sentiment":"neutral","sentiment_score":0.042511533945798874},{"text":"Yeah.","start":1508.15,"end":1508.65,"sentiment":"neutral","sentiment_score":-0.17874473333358765},{"text":"No.","start":1512.6849,"end":1513.085,"sentiment":"negative","sentiment_score":-0.3621688783168793},{"text":"Not fantastic.","start":1513.085,"end":1513.745,"sentiment":"negative","sentiment_score":-0.3832434117794037}],"sentiment":"neutral","sentiment_score":-0.20371330405275026,"num_words":6,"start":1505.11,"end":1513.745},{"sentences":[{"text":"Look.","start":1514.525,"end":1514.765,"sentiment":"neutral","sentiment_score":-0.1954008936882019},{"text":"With my last, I was back at work after fourteen weeks, so I've got three myself.","start":1514.765,"end":1519.1849,"sentiment":"neutral","sentiment_score":-0.236562161706388},{"text":"Yeah.","start":1528.65,"end":1529.15,"sentiment":"neutral","sentiment_score":-0.1458059847354889},{"text":"No.","start":1529.3701,"end":1529.8701,"sentiment":"neutral","sentiment_score":-0.13282114267349243},{"text":"You you do.","start":1530.01,"end":1531.0701,"sentiment":"neutral","sentiment_score":0.267529954512914}],"sentiment":"neutral","sentiment_score":-0.1571105793118477,"num_words":22,"start":1514.525,"end":1531.0701},{"sentences":[{"text":"And don't like, what I'll do is I'm I'll send you the budget so you and your partner can sit down and just have a look at it.","start":1533.3701,"end":1538.075,"sentiment":"neutral","sentiment_score":0.007997632026672363},{"text":"It it'll give you some perspective to be able to break things down.","start":1538.075,"end":1540.895,"sentiment":"neutral","sentiment_score":0.17062433465169027},{"text":"And it's just something maybe you guys internally.","start":1541.515,"end":1543.275,"sentiment":"neutral","sentiment_score":0.020211312919855118},{"text":"It might be to be able to open up a conversation about where maybe some of the discretionary spending is going.","start":1543.275,"end":1549.855,"sentiment":"neutral","sentiment_score":0.060657979654414315},{"text":"I sit down with my husband.","start":1550.97,"end":1552.43,"sentiment":"neutral","sentiment_score":0.07674701015154521}],"sentiment":"neutral","sentiment_score":0.05707947610828437,"num_words":76,"start":1533.3701,"end":1552.43},{"sentences":[{"text":"I've I've been married for ten years.","start":1552.5701,"end":1554.17,"sentiment":"neutral","sentiment_score":0.05864855434213366},{"text":"I sit down with my husband, like, once a quarter to every six months, and we we relook at our budget.","start":1554.17,"end":1561.0701,"sentiment":"neutral","sentiment_score":0.05139439996509325},{"text":"And it's just it's a it's a point in time.","start":1562.17,"end":1564.43,"sentiment":"neutral","sentiment_score":0.08573905304074288},{"text":"Yep.","start":1579.1649,"end":1579.56,"sentiment":"neutral","sentiment_score":0.07259072363376617},{"text":"It does.","start":1587.3201,"end":1588.1201,"sentiment":"neutral","sentiment_score":0.22225969284772873}],"sentiment":"neutral","sentiment_score":0.06986153461947674,"num_words":41,"start":1552.5701,"end":1588.1201},{"sentences":[{"text":"Okay.","start":1588.1201,"end":1588.4401,"sentiment":"neutral","sentiment_score":0.30482035875320435},{"text":"So you're pretty covered budget wise, which is good.","start":1588.4401,"end":1590.76,"sentiment":"positive","sentiment_score":0.49533854259385},{"text":"Okay.","start":1590.76,"end":1591.26,"sentiment":"neutral","sentiment_score":0.1458259075880051},{"text":"Alright.","start":1591.9601,"end":1592.28,"sentiment":"neutral","sentiment_score":0.05383160710334778},{"text":"Well, I won't Yeah.","start":1592.28,"end":1603.0449,"sentiment":"neutral","sentiment_score":-0.06241854466497898}],"sentiment":"neutral","sentiment_score":0.2945531611330807,"num_words":16,"start":1588.1201,"end":1603.0449},{"sentences":[{"text":"Loan.","start":1623.085,"end":1623.585,"sentiment":"neutral","sentiment_score":-0.07090435922145844},{"text":"Can I ask what how much how much are the loans?","start":1624.6849,"end":1628.3849,"sentiment":"neutral","sentiment_score":-0.2671660686081106},{"text":"Like, Yep.","start":1630.445,"end":1652.8251,"sentiment":"neutral","sentiment_score":-0.07573752477765083},{"text":"Yep.","start":1655.2051,"end":1655.7051,"sentiment":"neutral","sentiment_score":-0.1134106144309044},{"text":"Yeah.","start":1667.06,"end":1667.56,"sentiment":"neutral","sentiment_score":-0.008230220526456833}],"sentiment":"neutral","sentiment_score":-0.20517793740145862,"num_words":16,"start":1623.085,"end":1667.56},{"sentences":[{"text":"Have you, perchance, like, spoken to a, like, a broker in New Zealand to look at getting a loan in New Zealand to then pay the Australian loan out?","start":1667.8601,"end":1679.885,"sentiment":"neutral","sentiment_score":0.09124996859965653},{"text":"That way, you don't have to do the conversion rate every payment cycle.","start":1679.885,"end":1684.83,"sentiment":"neutral","sentiment_score":0.02624842066031236},{"text":"Yeah.","start":1691.29,"end":1691.61,"sentiment":"negative","sentiment_score":-0.34190768003463745},{"text":"Because, like, $250 every month or fortnight is a lot criminal, actually.","start":1691.61,"end":1697.665,"sentiment":"negative","sentiment_score":-0.6430507798989614},{"text":"Yeah.","start":1719.04,"end":1719.54,"sentiment":"neutral","sentiment_score":-0.005308713763952255}],"sentiment":"neutral","sentiment_score":-0.09064905704664332,"num_words":56,"start":1667.8601,"end":1719.54},{"sentences":[{"text":"Well, yeah, plus conversion.","start":1719.92,"end":1721.14,"sentiment":"neutral","sentiment_score":-0.012320211622864008},{"text":"Yeah.","start":1721.3601,"end":1721.8601,"sentiment":"neutral","sentiment_score":-0.024258330464363095},{"text":"Yeah.","start":1724.4,"end":1724.9,"sentiment":"neutral","sentiment_score":-0.036421578377485275},{"text":"Okay.","start":1724.9601,"end":1725.4601,"sentiment":"neutral","sentiment_score":-0.06271667033433914},{"text":"So you're not you're not you're not that you're getting ahead, but it's hurting.","start":1725.9049,"end":1729.445,"sentiment":"negative","sentiment_score":-0.3350533513086183}],"sentiment":"neutral","sentiment_score":-0.23159163542801425,"num_words":21,"start":1719.92,"end":1729.445},{"sentences":[{"text":"And you said your tax return will be about $10?","start":1729.985,"end":1732.3049,"sentiment":"neutral","sentiment_score":-0.09201777502894401},{"text":"Because you Yep.","start":1732.3049,"end":1752.395,"sentiment":"neutral","sentiment_score":-0.11885291834672292},{"text":"I mean, if if that's what you end up getting back, mathematically speaking, you would then be able to reallocate the funds that you were paying to the bank loan plus, obviously, the money that you were allocating to the consolidation loan.","start":1788.755,"end":1803.37,"sentiment":"neutral","sentiment_score":0.018675505760170165},{"text":"Within maybe two, two and a half months worth of payments, that consolidation loan should be gone after the tax return knocks it.","start":1804.15,"end":1813.445,"sentiment":"neutral","sentiment_score":-0.01319699945009273},{"text":"Yes.","start":1830.06,"end":1830.56,"sentiment":"neutral","sentiment_score":0.05066600069403648}],"sentiment":"neutral","sentiment_score":-0.009433294304564029,"num_words":79,"start":1729.985,"end":1830.56},{"sentences":[{"text":"What like, just just I'm just a bit bored, and it's not it's not advice.","start":1835.735,"end":1839.975,"sentiment":"negative","sentiment_score":-0.37781641880671185},{"text":"I wanna be really, really clear, but it's just a thought process is rather than take all of the money and pay off the con like, the consolidation loan, oddly, like, paying off the bank didn't make sense because you you can get rid of that knocking off knock it knocking on the head and not have to deal with that one anymore.","start":1839.975,"end":1856.3401,"sentiment":"neutral","sentiment_score":-0.28938732564168435},{"text":"But the consolidation loan, depending on the interest rate, it could work out that if you kept your money in New Zealand, create, like, a like, have a savings account or have a have a little pocket where you pop that money, put a two, two and a half months worth of money in that, like, in that account or in that wherever you need to put it, and then just do the one transfer over.","start":1856.3401,"end":1883.5599,"sentiment":"neutral","sentiment_score":0.11726894347291243},{"text":"That way, you have the one transfer fee.","start":1883.5599,"end":1885.48,"sentiment":"neutral","sentiment_score":0.22327704168856144},{"text":"Obviously, the conversion cost from NZ to AUD is still gonna hit you no matter where, but at least when the one they convert the money rather than doing two and a half months worth, like, two and a half payment or three payments over to Australia.","start":1885.48,"end":1900.685,"sentiment":"neutral","sentiment_score":-0.15532247508142857}],"sentiment":"neutral","sentiment_score":-0.09808683296126362,"num_words":209,"start":1835.735,"end":1900.685},{"sentences":[{"text":"And you can just in the meantime, we can like, you could just truly feed the loan from, like, your com Commonwealth Bank account in Australia with some money that's connected on your loan.","start":1901.37,"end":1920.635,"sentiment":"neutral","sentiment_score":0.19461367892868378},{"text":"Or do a lump sum payment, call them, and say, hey.","start":1920.935,"end":1924.055,"sentiment":"neutral","sentiment_score":0.1260756216943264},{"text":"Look.","start":1924.055,"end":1924.555,"sentiment":"neutral","sentiment_score":0.07112431526184082},{"text":"I'm paying $10.","start":1924.6951,"end":1926.235,"sentiment":"neutral","sentiment_score":0.061692764361699425},{"text":"Can you pause my payment for x amount of time?","start":1926.8099,"end":1931.3899,"sentiment":"neutral","sentiment_score":0.020412016287446023}],"sentiment":"neutral","sentiment_score":0.14345796090566507,"num_words":59,"start":1901.37,"end":1931.3899},{"sentences":[{"text":"What is that gonna do for interest?","start":1932.57,"end":1934.19,"sentiment":"neutral","sentiment_score":-0.04012407149587359},{"text":"Am I gonna be hit with interest?","start":1934.33,"end":1935.7699,"sentiment":"neutral","sentiment_score":-0.22517574259213038},{"text":"How does that work?","start":1935.7699,"end":1936.83,"sentiment":"neutral","sentiment_score":0.031110928393900398},{"text":"And have that conversation with them to see whether that amount because without knowing and like, without knowing how the actual loan is broken down, I can't have that, you know, which one's gonna work out well because it could like, depending on the loan, it could be interest because generally, loans are you have a loan an an interest rate and interest interest is calculated daily and then obviously charged monthly.","start":1937.13,"end":1966.1,"sentiment":"neutral","sentiment_score":-0.042335268705048494},{"text":"Some loans aren't like that.","start":1966.88,"end":1968.585,"sentiment":"neutral","sentiment_score":-0.10807522386312485}],"sentiment":"neutral","sentiment_score":-0.056012320538100444,"num_words":95,"start":1932.57,"end":1968.585},{"sentences":[{"text":"But depending on what the consolidated loan is actually set up with, you may just say, like, the loan was, say, $15.","start":1968.985,"end":1976.9249,"sentiment":"neutral","sentiment_score":-0.0026420569893988695},{"text":"The life of the loan was x number of time.","start":1977.5449,"end":1979.885,"sentiment":"neutral","sentiment_score":0.017080222070217133},{"text":"We're gonna put the interest that we calculate onto that loan, and, basically, the loan goes from 15 to 25.","start":1979.945,"end":1986.6901,"sentiment":"neutral","sentiment_score":0.047387939691543576},{"text":"And you have to pay off $25 irrespective of when you pay it off.","start":1987.47,"end":1991.07,"sentiment":"neutral","sentiment_score":0.0010473520628043584},{"text":"It just depends on how the loan was actually set up.","start":1991.07,"end":1993.47,"sentiment":"neutral","sentiment_score":-0.029060281135819176}],"sentiment":"neutral","sentiment_score":0.009810851911058674,"num_words":77,"start":1968.985,"end":1993.47},{"sentences":[{"text":"So it's a conversation you have to have with them to kind of break down where the loan is and then kinda work out to the money onto the loan, pay it off, and then ask them to hold payments because they've had a lump sum that basically covers off x number of, you know, month worth of payments.","start":1993.47,"end":2010.895,"sentiment":"neutral","sentiment_score":0.11863294976242518},{"text":"And then make sure that they're gonna charge fees or early break costs or anyone that has that conversation openly with them.","start":2011.515,"end":2018.62,"sentiment":"neutral","sentiment_score":0.10089159485968677},{"text":"And then once you accumulate the money in New Zealand, pop it over.","start":2018.84,"end":2022.94,"sentiment":"neutral","sentiment_score":0.10985531485997714},{"text":"Okay.","start":2043.5,"end":2044.0,"sentiment":"neutral","sentiment_score":0.026367593556642532},{"text":"Yep.","start":2047.02,"end":2047.3401,"sentiment":"neutral","sentiment_score":0.03706781193614006}],"sentiment":"neutral","sentiment_score":0.11156785022467375,"num_words":96,"start":1993.47,"end":2047.3401},{"sentences":[{"text":"Yep.","start":2047.3401,"end":2047.8401,"sentiment":"neutral","sentiment_score":0.061127714812755585},{"text":"Ready.","start":2061.9849,"end":2062.4849,"sentiment":"neutral","sentiment_score":0.06680840253829956},{"text":"Yep.","start":2073.9202,"end":2074.4202,"sentiment":"neutral","sentiment_score":0.07631572335958481},{"text":"Okay.","start":2075.28,"end":2075.76,"sentiment":"neutral","sentiment_score":0.09413696825504304},{"text":"That doesn't sound too too bad then.","start":2075.76,"end":2077.7002,"sentiment":"neutral","sentiment_score":0.008376347699335642}],"sentiment":"neutral","sentiment_score":0.03245665844191204,"num_words":11,"start":2047.3401,"end":2077.7002},{"sentences":[{"text":"So, realistically, it's probably just a a a phone call with someone going, hey.","start":2078.56,"end":2081.76,"sentiment":"neutral","sentiment_score":-0.04932268602507455},{"text":"Look.","start":2081.76,"end":2082.225,"sentiment":"neutral","sentiment_score":-0.1013925075531006},{"text":"I have blah left on the account.","start":2082.465,"end":2083.985,"sentiment":"neutral","sentiment_score":-0.2220436313322612},{"text":"I've moved to New Zealand.","start":2083.985,"end":2085.205,"sentiment":"neutral","sentiment_score":-0.13529031127691268},{"text":"Would like, what would happen if I paid blah amount of money, like, you know, $10 Yep.","start":2086.945,"end":2094.425,"sentiment":"neutral","sentiment_score":-0.1567067661706139}],"sentiment":"neutral","sentiment_score":-0.1292427752844312,"num_words":44,"start":2078.56,"end":2094.425},{"sentences":[{"text":"Off the loan?","start":2094.625,"end":2095.5251,"sentiment":"neutral","sentiment_score":-0.2725728650887807},{"text":"Would you guys pause the repayment for three months?","start":2096.33,"end":2100.51,"sentiment":"neutral","sentiment_score":-0.27011143498950535},{"text":"Do you still calculate interest at the higher rate, or is it just interest on the loan amount remaining?","start":2101.53,"end":2109.31,"sentiment":"neutral","sentiment_score":-0.12293828768949759},{"text":"Do I am I gonna get, like, any late fees, anything like that?","start":2112.625,"end":2116.165,"sentiment":"neutral","sentiment_score":-0.17796449477855975},{"text":"Because, obviously Yeah.","start":2117.505,"end":2143.615,"sentiment":"neutral","sentiment_score":-0.0492219552397728}],"sentiment":"neutral","sentiment_score":-0.1711862398747434,"num_words":47,"start":2094.625,"end":2143.615},{"sentences":[{"text":"So so it it's worth a phone call to them to kind of try and pick it down and and just have the conversation with them.","start":2143.615,"end":2152.3801,"sentiment":"neutral","sentiment_score":0.09351990830439788},{"text":"Because the the biggest thing is is, generally speaking, with these types of loans, you can sort of pay off a lump sum amount.","start":2152.3801,"end":2160.08,"sentiment":"neutral","sentiment_score":0.12153338547796011},{"text":"Generally speaking, this like, some clients do this with Carbone before is where they'll pull up some amount and then the basically, the lender will hold that money and just transact each month's payment out of that money to, like, give the client a reprieve because something's happening.","start":2160.7,"end":2178.88,"sentiment":"neutral","sentiment_score":0.04928485410831248},{"text":"Correct.","start":2188.0598,"end":2188.515,"sentiment":"neutral","sentiment_score":0.060587428510189056},{"text":"Yeah.","start":2207.5698,"end":2207.8098,"sentiment":"neutral","sentiment_score":0.06922553479671478}],"sentiment":"neutral","sentiment_score":0.0784380482789129,"num_words":100,"start":2143.615,"end":2207.8098},{"sentences":[{"text":"Correct.","start":2207.8098,"end":2208.21,"sentiment":"neutral","sentiment_score":0.09452375769615172},{"text":"Yeah.","start":2208.21,"end":2208.5298,"sentiment":"neutral","sentiment_score":0.041734181344509125},{"text":"So it could function that way.","start":2208.5298,"end":2210.39,"sentiment":"neutral","sentiment_score":0.019154348721106846},{"text":"Yeah.","start":2211.17,"end":2211.67,"sentiment":"neutral","sentiment_score":0.17696848511695862},{"text":"Yep.","start":2229.1748,"end":2229.6748,"sentiment":"neutral","sentiment_score":0.032664716243743896}],"sentiment":"neutral","sentiment_score":0.04608172327280045,"num_words":10,"start":2207.8098,"end":2229.6748},{"sentences":[{"text":"Yes.","start":2229.7349,"end":2230.23,"sentiment":"neutral","sentiment_score":0.003605740144848823},{"text":"Downside is is because Australia and New Zealand siblings, they will chase you in New Zealand.","start":2230.8699,"end":2237.53,"sentiment":"neutral","sentiment_score":-0.19580622669309378},{"text":"So eventually, it'll catch up.","start":2237.67,"end":2240.31,"sentiment":"neutral","sentiment_score":-0.15708425343036653},{"text":"I I wouldn't try and dodge it.","start":2240.31,"end":2242.09,"sentiment":"neutral","sentiment_score":-0.2910064629146031},{"text":"You're doing the right thing.","start":2243.895,"end":2245.115,"sentiment":"neutral","sentiment_score":0.023142679780721664}],"sentiment":"neutral","sentiment_score":-0.17164844104691462,"num_words":34,"start":2229.7349,"end":2245.115},{"sentences":[{"text":"Yeah.","start":2246.935,"end":2247.435,"sentiment":"neutral","sentiment_score":-0.10696740448474884},{"text":"Yes.","start":2264.1099,"end":2264.5898,"sentiment":"neutral","sentiment_score":0.10335323214530943},{"text":"Yeah.","start":2264.5898,"end":2264.8298,"sentiment":"neutral","sentiment_score":0.1463274359703064},{"text":"They will.","start":2264.8298,"end":2265.49,"sentiment":"neutral","sentiment_score":0.1472305953502655},{"text":"Alright.","start":2265.79,"end":2266.27,"sentiment":"neutral","sentiment_score":0.16553978621959686}],"sentiment":"neutral","sentiment_score":0.10045237342516582,"num_words":6,"start":2246.935,"end":2266.27},{"sentences":[{"text":"Well, from my side, what I'll do is I will go and start running all the information.","start":2266.27,"end":2273.865,"sentiment":"neutral","sentiment_score":0.1482935262953534},{"text":"So I'll have a look at, I guess, some things we can do to your super fund to, like, increase the performance, have a look at the fees, get that broken down for you, have a look at the insurance policy, obviously, and see where that fits.","start":2273.865,"end":2287.86,"sentiment":"neutral","sentiment_score":0.17682964323048897},{"text":"The I see only, I guess, discussion point we haven't really put down and had a look at is whether, like, if the money's, like the money is obviously staying in Australia in a conversation, but whether you want Oakview as a financial firm to continue servicing the actual account.","start":2289.6,"end":2306.0151,"sentiment":"neutral","sentiment_score":0.03894290678203106},{"text":"Yeah.","start":2318.6602,"end":2319.1602,"sentiment":"neutral","sentiment_score":0.019049283117055893},{"text":"Yeah.","start":2329.845,"end":2330.345,"sentiment":"neutral","sentiment_score":0.12542396783828735}],"sentiment":"neutral","sentiment_score":0.11141036007681797,"num_words":116,"start":2266.27,"end":2330.345},{"sentences":[{"text":"Yeah.","start":2334.7249,"end":2335.125,"sentiment":"positive","sentiment_score":0.4056982398033142},{"text":"Perfect.","start":2335.125,"end":2335.625,"sentiment":"positive","sentiment_score":0.6714857816696167},{"text":"What I'll do in the meantime is I'm gonna send you, I guess, a review pack, and it has, like, a breakdown of where, like, your funds sit today, performance report performance report, your insurance certificate of currency.","start":2335.6848,"end":2348.97,"sentiment":"neutral","sentiment_score":0.18324939671315646},{"text":"It does have Oakview's ongoing service agreement in it.","start":2350.23,"end":2354.295,"sentiment":"neutral","sentiment_score":0.119787378443612},{"text":"I I wanna send it to you so that way, a, you have the information and look over it.","start":2354.855,"end":2359.035,"sentiment":"neutral","sentiment_score":0.17004740198976115}],"sentiment":"neutral","sentiment_score":0.18161247265251243,"num_words":68,"start":2334.7249,"end":2359.035},{"sentences":[{"text":"You are able to authorize it, sign it, and, like, send it back to me.","start":2359.335,"end":2363.1948,"sentiment":"neutral","sentiment_score":-0.04510616362094879},{"text":"I can email the ongoing service agreement.","start":2363.255,"end":2365.015,"sentiment":"neutral","sentiment_score":0.02880494642470564},{"text":"And then if you make the determination in at next conversation that you do wanna see Oakview services, then I can terminate that agreement.","start":2365.015,"end":2371.89,"sentiment":"neutral","sentiment_score":0.005439768002058069},{"text":"That's not, like, an issue, and we can kind of go from that conversation there.","start":2371.89,"end":2376.47,"sentiment":"neutral","sentiment_score":0.013889800136288008},{"text":"So I'll send that to you now, and when you get home and do all the things with with Little One there, We can kinda come back and talk about it in two weeks.","start":2376.6099,"end":2386.875,"sentiment":"neutral","sentiment_score":0.1763391740181867}],"sentiment":"neutral","sentiment_score":0.06167868969863967,"num_words":95,"start":2359.335,"end":2386.875},{"sentences":[{"text":"Perfect.","start":2391.815,"end":2392.215,"sentiment":"positive","sentiment_score":0.7638931274414062},{"text":"Alright.","start":2392.215,"end":2392.455,"sentiment":"positive","sentiment_score":0.7003940343856812},{"text":"Looking forward to 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Good. Thanks. So how are you? Okay. I was like, I'm not one. Oh, that's okay. I was wondering if you you forgot me. Yeah. I'm good, Alden. Yeah. Jason Lee Young, 05/27/1995, and 19 Raleigh Street, Deception Bay, 45 08. Yes. Mhmm. No. I don't don't intend to return to Australia. No. No. No. That's okay. Well, I just I don't think the insurance and stuff is valid anymore. I'll have to sort of think about insurance. So, like, health insurance and stuff like that, job protection insurance or the PCR. I started a KiwiSaver over here, which is obviously the version of sort of, like, evaluation. I looked into that, and I don't know. People say you should just leave your superannuation in Australia because the returns are still better than the returns you get from KiwiSaver here. And then other people have just moved their superannuation over to the KiwiSaver here just over the same one spot. But, yeah, I'm I don't know because I don't know how much, like, fees I'm gonna attribute. And if I keep it in Australia, do I have to keep contributing to my super over there? Like, I don't know what the rules and stuff around that is. Mhmm. Mhmm. Yep. Okay. Yep. Yep. Yep. Yes. Okay. Yep. Yep. Yep. Yep. I know. I knew that. I knew that, like, my Hub twenty four paid my ClearView, and it was, like, a yearly renewal. And I had to I got them each year and whatnot, which I think one just went fast, actually, for the year. Yeah. Mhmm. Right. Yeah. Which mine is very much New Zealand based dollars in the New Zealand government. Clearview. Yeah. Yeah. Yep. Mhmm. Yep. Yep. Yep. Yep. So we just need to work out if it's all valid for me living and working here. Because I don't mind leaving it in place if it's all valid, and then we could work out what I would have to do from there because as for my actual super, obviously, I haven't made any contribute contributions or any employer contributions since I moved here, and I've been here two months now. So that's why I was like, oh, I need to get on to my financial advisers because I'm sure they're noticing the fact there's no extra money coming into that account at the moment. And this is yeah. They've got that whole Trans Tasman agreement in that. Yep. Mhmm. Bye. Yeah. And then just maybe see because I can't use my super for anything, can I? Because I'm still trying to pay off a couple of loans I've got in Australia, and I obviously don't plan on coming back, but I also don't wanna not pay off a couple of loans. So and the whole exchange rate and getting money back over to Australia from New Zealand is actually not in it. And I just wasn't sure there was anything because I, obviously, even if I was to get it transferred here to my KiwiSaver, there's still the agreement. Like, I still can't touch it till I'm 65 or a retirement age. But I just couldn't remember if there was anything in the Australian policy, if there was anything, the fact that you don't plan on coming back. Because I have already told the ATO that I was not planning on coming back to Australia, and I submitted my final tax return. Final and complete once to 2027. I've already sent that paper work off to them. So that will actually close my whole yep. Yep. Because I didn't plan on making any like, coming back and making any more money over there. And I've got, like, about 10 k or something in like, that was taxed on my my annual leave payout, but in this financially, if that makes sense. So I was like, I might as well get that in my pocket to chart towards those Australian lines anyway. But, yeah, I was the only other thing I had to sort out, obviously, was super, and I just didn't know what my options were. If I if I have to contribute, because I do contribute, it's probably gonna be a bit of a nightmare with the whole exchange Right? And not just that I make a whole lot less money here than what I did in Australia. And I'm also contributing to a super here. Mhmm. Yeah. I wasn't sure if I was eligible. Yeah. I think I had to be, like, a permanent resident of Australia, not actually a citizen, and, like, you weren't coming back and you're not actually a citizen. I think yeah. I remember looking briefly looking at it, and I was like, I don't think I'd fit that eligibility criteria. But if you know of anything in your back end when you're reading and learning about all this shit, then sure. Let me know because definitely would be helpful. Well, I'm still Australian citizen, but I'm permanent resident here because of the trans Tasman agreement. So as soon as I moved here, I essentially was become a permanent resident automatically without even filling out a single piece of paper. So so I'm just working for tax purposes. I I obviously have a super old what they call KiwiSaver here and, you know, they're they don't they don't do tax like we do tax in Australia. This is something else, but it's not really you don't really get a tax return. You don't actually do a tax return here like you do. And so you don't do deductions or anything like like that. Yeah. Yeah. It's really weird. And they pay a whole lot more tax, and they make a whole lot less money. So it's real shit. Yeah. Original Australian, actually. Gotta get what? Sorry. I missed that part. Oh, really? Interesting. Alright. Yeah. Well yeah. Yeah. From from, like, a white person's size. Yeah. Yeah. Right. That's gone far, far way back. Well, I'm not a reasonable, but it's hard to go back because, you know, of the organization. Documentation doesn't go that far back very much. Yeah. No. Yeah. No. Yep. No. No. I found a partner and found out I was pregnant two days ago. So definitely not moving back. Thank you. Unexpected, clearly. Not planned very well, clearly. Now I gotta get some shit together. Oh, you completely went robot and cut out there. What was that? Oh, I haven't even thought about that. Who knows if he'll marry me maybe in one year? I don't know if I was going for citizenship. I don't actually well, I don't know. Because you can, I guess, live here as a permanent residence for for good? Like, I I'm already working. I can buy a house and whatever else without needing it. So I don't know if I actually will. Seems like a whole lot of waste of money. And I don't really wanna lose my Australian citizenship as such. I guess I could be Jill. Yeah. New Zealand. Yep. Yep. Which will be hard considering I'm not even in Australia and I don't have that. Mhmm. Yes. Mhmm. Just just, like, my whole life over again. Mhmm. Yeah. Well, we'd have to do something because I've only kept my Australian note our number open until I get this shit sorted. And then after that, I'm cutting it off and then I'll be calling my other New Zealand number or, like, yeah, like, I've worked out so it doesn't fucking because it cost me $10 per phone call every time I call back to Australia. Yep. Yep. Okay. Yes. Yeah. Yeah. Yep. Okay. Well, I guess I just kinda wanna know how those insurances are gonna work if you can work that out and if it works over here. Because I think that will give me some more of an idea. Do I have to contribute to my super to keep it sort of open? And if so, like, how much to sort of cover everything to still make sort of some sort of progress wealth rather than just having a whole super limit to, like, diminish with fees and charges by you guys. Preferably have you guys sort out my super rather than me have to do it otherwise I'm just gonna literally not log in and leave it there for however long and then hopefully it's fixed. Yeah. So I'm money in there when I go to free access it type of thing. So probably not a great idea. So if you can work out some some of those ideas and some of those numbers, and then, yeah, we can have another conversation about this, that would be great. Mhmm. Tuesday, the twenty second, I can do by the same sort of time, 04:30 my time, which is by 03:30 your time. Probably getting a bit too close to, and I have to get this little one to into bed. My partner is a five year old, which we currently at McDonald's playing on the playground while I have a conversation with you. He's been distracted. Yep. And he now he's playing with the birds. No. No. We'll do we'll do 04:30 on the September 22. K? Okay. Did you wanna do that via what did you wanna do that via WhatsApp or via my phone? I probably still have my phone then. I don't even know what that is. Go on. Yep. Mhmm. Or Teams. Okay. I've never heard of Google Meet. So I've used Teams, but, yeah, I'm not Google Meet. So is that, like, an app after download or no? Right. Great. Alright. Well, yes. If you send me an invite for that for that day, I'll click on the link and be there for 04:30, which will be 04:30 my time and 02:30 yours. Perfect. Mhmm. Oh, not till, like, May next year. Yeah. Well, at the moment, I'm earning after tax, like, 3,200 a fortnight, 3,300 in that sort of area. But it could but gross, I make probably, like, $4.5.05 grand, but the tax is, like, 35% here. So it's been crazy high. So that's 1,200 in tax. So, yeah, I must have been about $4.5 of fortnight gross roughly. I think my salary is about 109,000 a year or something, but plus the penalty. So it's a bit more. But yeah. So that's what I'm earning at the moment. Because then when I get obviously, I have a baby and I'm definitely not earning that much. I will I won't even meet maternity maternity I probably won't even get I won't even get the maternity payment from my work because I wouldn't have been here for twelve months by the time the baby comes, which is bit frustrating. It's what it is. And then I'll restrict that right back down to $700 a week, I will get. For six months. And that's all I'll get. And then I'll have to go back to work after six months, which is just not fantastic. Rough. This is my first baby, so I'm very nervous and very stressed out. I'm very worried about money. My partner, I'm very worried about money. Mhmm. Oh, yeah. My budget I have it in a I have it in an Excel spreadsheet. I know exactly where every dollar is. I've got a budget for everything that's due in a year. Like, I mean, I put, like, a dollar 80 for registration each year each week or, you know, the bill registration, doctor's appointments, you know, all insurances. Yeah. But it all adds up. Yeah. Yeah. I'm I'm totally onto my budget, but it makes it difficult where I still have two loans over in Australia because you had the conversion base as well as the Australian dollars cost. Costly convert, like, the conversion base and then the cost actually transferred over there phase wise into that account into my Commonwealth account is, I think, I think, like, $250 a month in just conversion fees and fees to get it over there on top of the actual bills. Yeah. Which is not fun. I've got, like, I think it's probably, like, $2.5 left on a CommBank personal loan, which is not much, which I hopefully pay that off with my final tax when I get it. And then my other loan was, like, a consolidation loan that I got a few years back. And last I looked at it, I think that was, like, $12 still owing on it when I looked at it in, like, April. But that one, I'm just paying back the minimum, so it's obviously not paying down as quick. But the bank loan, if you get rid of quicker anyway, because that one charges me a whole lot more than what their ventilation does. I never actually thought about that. No. I'm just being sort of paying it. Yeah. For, like, conversion. Because, like, I think the bank loan is 544 a month, and then the consolidation is, like, $3.77 a month plus the conversion. And I think I'm putting away, like, $700 a fortnight to cover those. It's at 1,400 a month or something I'm paying, which is which is, like, the minimum on those loans. But I'm hoping to get rid of some of them. Yeah. I did like, I did, like I worked it out through ChartDVT and everything, and I put all the paperwork in. And, yeah, about I should just get, like, $10,040 or something because it was, like, $13 or something I got tax withheld. But because I sit under the threshold, but then there's I don't know. There's, like, a pro router on, you know, what's, like, whatever else. Anyway, I worked it all out. There'll be there's, like, yeah, about $10 should be coming. So I'll pay off the bank loan first because that's obviously got the high interest, and then I'll pay the rest of that onto the other loan, which probably dropped me down. I'll probably have maybe $3.03, $4 left on that, and then I'll that's, I guess, a less of the loan to pay off. And I guess if funds can be feasible, try and make some high payments on that and get rid of that as soon as possible, but we'll see. Have it all paid off. Yeah. That's my idea. I was like, if I pay though that bank loan off and then, like, the conversion rate that I'm saving on it, then hopefully, with a couple of payments, I should, like, do double payments type of thing or triple payments, whatever I can do, make some high payments and try and get rid of that loan. That's my idea, but gotta waste the money to come in. Mhmm. Mhmm. Mhmm. Oh, well, and then just call the loan people and be like, hey. Can you just hold my payments for, like, couple Yes. Yep. Yep. Yeah. Well, I'm looking I'm looking at the loan now. So it was a it was I think the yeah. The initial loan amount was this time $19 with a fixed interest rate of 16.42% per annum, and the loan term was eighty four months. And that's all it says. There was an establishment fee, a lending assistance fee. So in total, it was $18.80 4, but I think I got 7p. Yeah. And it's just a monthly frequency, and I don't think I get a fee for paying it out if I pay it out. I think I had, like, a year or something. If you make it you're gonna have a loan. Yeah. I think I could pay it early, but it couldn't be within the first year, which is well and truly over, if I remember correctly. Mhmm. Yeah. Because I'd be curious. Yeah. Yeah. Yeah. Because I am curious to know if it's per annum, like, if that's the daily fee rate or if it's based on the amount of the loan remaining. Because if you paid if I was to pay extra each month with my fees, if my interest rate's less or if it was actually fixed fixed. So it doesn't matter if I paid it off more than I needed. It's just it's a fixed rate. I'm not actually sure about that. Yeah. Yeah. I can give you some. Mhmm. Yeah. Yeah. So you can, like, pause it. Yeah. Yeah. You can pause, Like, if you pay six months in front type of thing, they'll pause it for, like, six months with no interest, no fees, no nothing like that. Yeah. I've I've I've and family family member of mine did that was, like I had been paying in front for a long time, ended up being, like, 3,000 in front and then missed, you know, like, six weeks of payments or whatnot, but, like, never defaulted because it was always, like, $3 like, had $3 in front in the first place. So, yeah, some of them work like that. But I'll definitely yeah. I'll give them a call. And, look, I can just tell them, like, my situation. Sometimes they'll you know, it's not an advantage or the fact that I'm already saying it. So probably just happy that I'm still paying one because I'm sure there's many people that just get the country and was, like, fuck the loan and never going back anyway. So at least I'm trying to get the them their money still. Well no. I wasn't never planning on it because you just never know. I'm just also not a dodgy person, but I no. You just never know. I might end up, like, in Australia one day, but no. I didn't I didn't wanna do the the dodgy anyway. And I know yeah. And I guess I have forwarded on my address details to the ATM stuff, so that'll be able to find me. Anyway. Yeah. That or yeah. Well, even if I am gonna keep it there, like, am I or how much will I need to contribute, and is it gonna be feasible, and how much the fees are gonna be for you to keep doing it? Am I gonna make wealth on it at all? So or am I better off just pulling it over to a KiwiSaver and having it on one? I'm not sure yet. So if you can just give me some information, I'll be able to make a better decision come next conversation. Perfect. Come on, shoot on Auggie. We're going. Mhmm. Okay. I don't Yep. Because I need a friend. We're gonna get all wet. We're gonna get all wet gas stations. Basically, we're gonna get all wet. Okay. Perfect. Sounds good. I will talk to you soon. Thanks. You too, doll. 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Good. Thanks. So how are you? Okay.\n\nI was like, I'm not one. Oh, that's okay. I was wondering if you you forgot me. Yeah. I'm good, Alden.\n\nYeah. Jason Lee Young, 05/27/1995, and 19 Raleigh Street, Deception Bay, 45 08. Yes. Mhmm. No.\n\nI don't don't intend to return to Australia. No. No. No. That's okay.\n\nWell, I just I don't think the insurance and stuff is valid anymore. I'll have to sort of think about insurance. So, like, health insurance and stuff like that, job protection insurance or the PCR. I started a KiwiSaver over here, which is obviously the version of sort of, like, evaluation. I looked into that, and I don't know.\n\nPeople say you should just leave your superannuation in Australia because the returns are still better than the returns you get from KiwiSaver here. And then other people have just moved their superannuation over to the KiwiSaver here just over the same one spot. But, yeah, I'm I don't know because I don't know how much, like, fees I'm gonna attribute. And if I keep it in Australia, do I have to keep contributing to my super over there? Like, I don't know what the rules and stuff around that is.\n\nMhmm. Mhmm. Yep. Okay. Yep.\n\nYep. Yep. Yes. Okay. Yep.\n\nYep. Yep. Yep. I know. I knew that.\n\nI knew that, like, my Hub twenty four paid my ClearView, and it was, like, a yearly renewal. And I had to I got them each year and whatnot, which I think one just went fast, actually, for the year. Yeah. Mhmm. Right.\n\nYeah. Which mine is very much New Zealand based dollars in the New Zealand government. Clearview. Yeah. Yeah.\n\nYep. Mhmm. Yep. Yep. Yep.\n\nYep. So we just need to work out if it's all valid for me living and working here. Because I don't mind leaving it in place if it's all valid, and then we could work out what I would have to do from there because as for my actual super, obviously, I haven't made any contribute contributions or any employer contributions since I moved here, and I've been here two months now. So that's why I was like, oh, I need to get on to my financial advisers because I'm sure they're noticing the fact there's no extra money coming into that account at the moment. And this is yeah.\n\nThey've got that whole Trans Tasman agreement in that. Yep. Mhmm. Bye. Yeah.\n\nAnd then just maybe see because I can't use my super for anything, can I? Because I'm still trying to pay off a couple of loans I've got in Australia, and I obviously don't plan on coming back, but I also don't wanna not pay off a couple of loans. So and the whole exchange rate and getting money back over to Australia from New Zealand is actually not in it. And I just wasn't sure there was anything because I, obviously, even if I was to get it transferred here to my KiwiSaver, there's still the agreement. Like, I still can't touch it till I'm 65 or a retirement age.\n\nBut I just couldn't remember if there was anything in the Australian policy, if there was anything, the fact that you don't plan on coming back. Because I have already told the ATO that I was not planning on coming back to Australia, and I submitted my final tax return. Final and complete once to 2027. I've already sent that paper work off to them. So that will actually close my whole yep.\n\nYep. Because I didn't plan on making any like, coming back and making any more money over there. And I've got, like, about 10 k or something in like, that was taxed on my my annual leave payout, but in this financially, if that makes sense. So I was like, I might as well get that in my pocket to chart towards those Australian lines anyway. But, yeah, I was the only other thing I had to sort out, obviously, was super, and I just didn't know what my options were.\n\nIf I if I have to contribute, because I do contribute, it's probably gonna be a bit of a nightmare with the whole exchange Right? And not just that I make a whole lot less money here than what I did in Australia. And I'm also contributing to a super here. Mhmm. Yeah.\n\nI wasn't sure if I was eligible. Yeah. I think I had to be, like, a permanent resident of Australia, not actually a citizen, and, like, you weren't coming back and you're not actually a citizen. I think yeah. I remember looking briefly looking at it, and I was like, I don't think I'd fit that eligibility criteria.\n\nBut if you know of anything in your back end when you're reading and learning about all this shit, then sure. Let me know because definitely would be helpful. Well, I'm still Australian citizen, but I'm permanent resident here because of the trans Tasman agreement. So as soon as I moved here, I essentially was become a permanent resident automatically without even filling out a single piece of paper. So so I'm just working for tax purposes.\n\nI I obviously have a super old what they call KiwiSaver here and, you know, they're they don't they don't do tax like we do tax in Australia. This is something else, but it's not really you don't really get a tax return. You don't actually do a tax return here like you do. And so you don't do deductions or anything like like that. Yeah.\n\nYeah. It's really weird. And they pay a whole lot more tax, and they make a whole lot less money. So it's real shit. Yeah.\n\nOriginal Australian, actually. Gotta get what? Sorry. I missed that part. Oh, really?\n\nInteresting. Alright. Yeah. Well yeah. Yeah.\n\nFrom from, like, a white person's size. Yeah. Yeah. Right. That's gone far, far way back.\n\nWell, I'm not a reasonable, but it's hard to go back because, you know, of the organization. Documentation doesn't go that far back very much. Yeah. No. Yeah.\n\nNo. Yep. No. No. I found a partner and found out I was pregnant two days ago.\n\nSo definitely not moving back. Thank you. Unexpected, clearly. Not planned very well, clearly. Now I gotta get some shit together.\n\nOh, you completely went robot and cut out there. What was that? Oh, I haven't even thought about that. Who knows if he'll marry me maybe in one year? I don't know if I was going for citizenship.\n\nI don't actually well, I don't know. Because you can, I guess, live here as a permanent residence for for good? Like, I I'm already working. I can buy a house and whatever else without needing it. So I don't know if I actually will.\n\nSeems like a whole lot of waste of money. And I don't really wanna lose my Australian citizenship as such. I guess I could be Jill. Yeah. New Zealand.\n\nYep. Yep. Which will be hard considering I'm not even in Australia and I don't have that. Mhmm. Yes.\n\nMhmm. Just just, like, my whole life over again. Mhmm. Yeah. Well, we'd have to do something because I've only kept my Australian note our number open until I get this shit sorted.\n\nAnd then after that, I'm cutting it off and then I'll be calling my other New Zealand number or, like, yeah, like, I've worked out so it doesn't fucking because it cost me $10 per phone call every time I call back to Australia. Yep. Yep. Okay. Yes.\n\nYeah. Yeah. Yep. Okay. Well, I guess I just kinda wanna know how those insurances are gonna work if you can work that out and if it works over here.\n\nBecause I think that will give me some more of an idea. Do I have to contribute to my super to keep it sort of open? And if so, like, how much to sort of cover everything to still make sort of some sort of progress wealth rather than just having a whole super limit to, like, diminish with fees and charges by you guys. Preferably have you guys sort out my super rather than me have to do it otherwise I'm just gonna literally not log in and leave it there for however long and then hopefully it's fixed. Yeah.\n\nSo I'm money in there when I go to free access it type of thing. So probably not a great idea. So if you can work out some some of those ideas and some of those numbers, and then, yeah, we can have another conversation about this, that would be great. Mhmm. Tuesday, the twenty second, I can do by the same sort of time, 04:30 my time, which is by 03:30 your time.\n\nProbably getting a bit too close to, and I have to get this little one to into bed. My partner is a five year old, which we currently at McDonald's playing on the playground while I have a conversation with you. He's been distracted. Yep. And he now he's playing with the birds.\n\nNo. No. We'll do we'll do 04:30 on the September 22. K? Okay.\n\nDid you wanna do that via what did you wanna do that via WhatsApp or via my phone? I probably still have my phone then. I don't even know what that is. Go on. Yep.\n\nMhmm. Or Teams. Okay. I've never heard of Google Meet. So I've used Teams, but, yeah, I'm not Google Meet.\n\nSo is that, like, an app after download or no? Right. Great. Alright. Well, yes.\n\nIf you send me an invite for that for that day, I'll click on the link and be there for 04:30, which will be 04:30 my time and 02:30 yours. Perfect. Mhmm. Oh, not till, like, May next year. Yeah.\n\nWell, at the moment, I'm earning after tax, like, 3,200 a fortnight, 3,300 in that sort of area. But it could but gross, I make probably, like, $4.5.05 grand, but the tax is, like, 35% here. So it's been crazy high. So that's 1,200 in tax. So, yeah, I must have been about $4.5 of fortnight gross roughly.\n\nI think my salary is about 109,000 a year or something, but plus the penalty. So it's a bit more. But yeah. So that's what I'm earning at the moment. Because then when I get obviously, I have a baby and I'm definitely not earning that much.\n\nI will I won't even meet maternity maternity I probably won't even get I won't even get the maternity payment from my work because I wouldn't have been here for twelve months by the time the baby comes, which is bit frustrating. It's what it is. And then I'll restrict that right back down to $700 a week, I will get. For six months. And that's all I'll get.\n\nAnd then I'll have to go back to work after six months, which is just not fantastic. Rough. This is my first baby, so I'm very nervous and very stressed out. I'm very worried about money. My partner, I'm very worried about money.\n\nMhmm. Oh, yeah. My budget I have it in a I have it in an Excel spreadsheet. I know exactly where every dollar is. I've got a budget for everything that's due in a year.\n\nLike, I mean, I put, like, a dollar 80 for registration each year each week or, you know, the bill registration, doctor's appointments, you know, all insurances. Yeah. But it all adds up. Yeah. Yeah.\n\nI'm I'm totally onto my budget, but it makes it difficult where I still have two loans over in Australia because you had the conversion base as well as the Australian dollars cost. Costly convert, like, the conversion base and then the cost actually transferred over there phase wise into that account into my Commonwealth account is, I think, I think, like, $250 a month in just conversion fees and fees to get it over there on top of the actual bills. Yeah. Which is not fun. I've got, like, I think it's probably, like, $2.5 left on a CommBank personal loan, which is not much, which I hopefully pay that off with my final tax when I get it.\n\nAnd then my other loan was, like, a consolidation loan that I got a few years back. And last I looked at it, I think that was, like, $12 still owing on it when I looked at it in, like, April. But that one, I'm just paying back the minimum, so it's obviously not paying down as quick. But the bank loan, if you get rid of quicker anyway, because that one charges me a whole lot more than what their ventilation does. I never actually thought about that.\n\nNo. I'm just being sort of paying it. Yeah. For, like, conversion. Because, like, I think the bank loan is 544 a month, and then the consolidation is, like, $3.77 a month plus the conversion.\n\nAnd I think I'm putting away, like, $700 a fortnight to cover those. It's at 1,400 a month or something I'm paying, which is which is, like, the minimum on those loans. But I'm hoping to get rid of some of them. Yeah. I did like, I did, like I worked it out through ChartDVT and everything, and I put all the paperwork in.\n\nAnd, yeah, about I should just get, like, $10,040 or something because it was, like, $13 or something I got tax withheld. But because I sit under the threshold, but then there's I don't know. There's, like, a pro router on, you know, what's, like, whatever else. Anyway, I worked it all out. There'll be there's, like, yeah, about $10 should be coming.\n\nSo I'll pay off the bank loan first because that's obviously got the high interest, and then I'll pay the rest of that onto the other loan, which probably dropped me down. I'll probably have maybe $3.03, $4 left on that, and then I'll that's, I guess, a less of the loan to pay off. And I guess if funds can be feasible, try and make some high payments on that and get rid of that as soon as possible, but we'll see. Have it all paid off. Yeah.\n\nThat's my idea. I was like, if I pay though that bank loan off and then, like, the conversion rate that I'm saving on it, then hopefully, with a couple of payments, I should, like, do double payments type of thing or triple payments, whatever I can do, make some high payments and try and get rid of that loan. That's my idea, but gotta waste the money to come in. Mhmm. Mhmm.\n\nMhmm. Oh, well, and then just call the loan people and be like, hey. Can you just hold my payments for, like, couple Yes. Yep. Yep.\n\nYeah. Well, I'm looking I'm looking at the loan now. So it was a it was I think the yeah. The initial loan amount was this time $19 with a fixed interest rate of 16.42% per annum, and the loan term was eighty four months. And that's all it says.\n\nThere was an establishment fee, a lending assistance fee. So in total, it was $18.80 4, but I think I got 7p. Yeah. And it's just a monthly frequency, and I don't think I get a fee for paying it out if I pay it out. I think I had, like, a year or something.\n\nIf you make it you're gonna have a loan. Yeah. I think I could pay it early, but it couldn't be within the first year, which is well and truly over, if I remember correctly. Mhmm. Yeah.\n\nBecause I'd be curious. Yeah. Yeah. Yeah. Because I am curious to know if it's per annum, like, if that's the daily fee rate or if it's based on the amount of the loan remaining.\n\nBecause if you paid if I was to pay extra each month with my fees, if my interest rate's less or if it was actually fixed fixed. So it doesn't matter if I paid it off more than I needed. It's just it's a fixed rate. I'm not actually sure about that. Yeah.\n\nYeah. I can give you some. Mhmm. Yeah. Yeah.\n\nSo you can, like, pause it. Yeah. Yeah. You can pause, Like, if you pay six months in front type of thing, they'll pause it for, like, six months with no interest, no fees, no nothing like that. Yeah.\n\nI've I've I've and family family member of mine did that was, like I had been paying in front for a long time, ended up being, like, 3,000 in front and then missed, you know, like, six weeks of payments or whatnot, but, like, never defaulted because it was always, like, $3 like, had $3 in front in the first place. So, yeah, some of them work like that. But I'll definitely yeah. I'll give them a call. And, look, I can just tell them, like, my situation.\n\nSometimes they'll you know, it's not an advantage or the fact that I'm already saying it. So probably just happy that I'm still paying one because I'm sure there's many people that just get the country and was, like, fuck the loan and never going back anyway. So at least I'm trying to get the them their money still. Well no. I wasn't never planning on it because you just never know.\n\nI'm just also not a dodgy person, but I no. You just never know. I might end up, like, in Australia one day, but no. I didn't I didn't wanna do the the dodgy anyway. And I know yeah.\n\nAnd I guess I have forwarded on my address details to the ATM stuff, so that'll be able to find me. Anyway. Yeah. That or yeah. Well, even if I am gonna keep it there, like, am I or how much will I need to contribute, and is it gonna be feasible, and how much the fees are gonna be for you to keep doing it?\n\nAm I gonna make wealth on it at all? So or am I better off just pulling it over to a KiwiSaver and having it on one? I'm not sure yet. So if you can just give me some information, I'll be able to make a better decision come next conversation. Perfect.\n\nCome on, shoot on Auggie. We're going. Mhmm. Okay. I don't Yep.\n\nBecause I need a friend. We're gonna get all wet. We're gonna get all wet gas stations. Basically, we're gonna get all wet. Okay.\n\nPerfect. Sounds good. I will talk to you soon. Thanks. You too, doll.\n\nBye now.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.68,"end":2.1799998,"sentiment":"neutral","sentiment_score":0.03145531192421913},{"text":"Good.","start":7.2,"end":7.52,"sentiment":"positive","sentiment_score":0.5362777709960938},{"text":"Thanks.","start":7.52,"end":7.9199996,"sentiment":"positive","sentiment_score":0.5468116402626038},{"text":"So how are you?","start":7.9199996,"end":8.9,"sentiment":"neutral","sentiment_score":0.3027908056974411},{"text":"Okay.","start":13.955001,"end":14.155001,"sentiment":"neutral","sentiment_score":-0.03032859787344933}],"sentiment":"neutral","sentiment_score":0.28692241851240396,"num_words":8,"start":1.68,"end":14.155001},{"sentences":[{"text":"I was like, I'm not one.","start":14.155001,"end":15.815001,"sentiment":"neutral","sentiment_score":-0.09612540404001872},{"text":"Oh, that's okay.","start":17.075,"end":17.955,"sentiment":"neutral","sentiment_score":-0.0072577328731616335},{"text":"I was wondering if you you forgot me.","start":17.955,"end":20.215,"sentiment":"neutral","sentiment_score":-0.10001117829233408},{"text":"Yeah.","start":25.235,"end":25.735,"sentiment":"neutral","sentiment_score":0.19300329685211184},{"text":"I'm good, Alden.","start":25.795,"end":26.855,"sentiment":"positive","sentiment_score":0.3667813738187154}],"sentiment":"neutral","sentiment_score":-0.005012744328095799,"num_words":21,"start":14.155001,"end":26.855},{"sentences":[{"text":"Yeah.","start":36.25,"end":36.41,"sentiment":"neutral","sentiment_score":0.03783772513270378},{"text":"Jason Lee Young, 05/27/1995, and 19 Raleigh Street, Deception Bay, 45 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Australia.","start":68.92,"end":72.015,"sentiment":"neutral","sentiment_score":-0.18605540692806244},{"text":"No.","start":72.015,"end":72.515,"sentiment":"neutral","sentiment_score":-0.15946708619594574},{"text":"No.","start":73.454994,"end":73.774994,"sentiment":"neutral","sentiment_score":-0.22751909494400024},{"text":"No.","start":73.774994,"end":73.854996,"sentiment":"neutral","sentiment_score":-0.19309061765670776},{"text":"That's okay.","start":73.854996,"end":74.674995,"sentiment":"neutral","sentiment_score":-0.11359328776597977}],"sentiment":"neutral","sentiment_score":-0.17659281767331636,"num_words":13,"start":68.92,"end":74.674995},{"sentences":[{"text":"Well, I just I don't think the insurance and stuff is valid anymore.","start":105.995,"end":109.375,"sentiment":"negative","sentiment_score":-0.3558449023045026},{"text":"I'll have to sort of think about insurance.","start":110.475006,"end":114.54,"sentiment":"neutral","sentiment_score":-0.31651265919208527},{"text":"So, like, health insurance and stuff like that, job protection insurance or the PCR.","start":114.6,"end":119.340004,"sentiment":"neutral","sentiment_score":-0.09584498618330274},{"text":"I started a KiwiSaver over here, which is obviously the version of sort of, like, evaluation.","start":121.56,"end":126.14,"sentiment":"neutral","sentiment_score":-0.01686123409308493},{"text":"I looked into that, and I don't know.","start":128.655,"end":131.855,"sentiment":"neutral","sentiment_score":-0.08853981411084533}],"sentiment":"neutral","sentiment_score":-0.16064428929555213,"num_words":59,"start":105.995,"end":131.855},{"sentences":[{"text":"People say you should just leave your superannuation in Australia because the returns are still better than the returns you get from KiwiSaver here.","start":131.855,"end":139.44,"sentiment":"positive","sentiment_score":0.3459657995651166},{"text":"And then other people have just moved their superannuation over to the KiwiSaver here just over the same one 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know.","start":299.88998,"end":300.28998,"sentiment":"neutral","sentiment_score":0.07374350354075432},{"text":"I knew that.","start":300.28998,"end":300.84998,"sentiment":"neutral","sentiment_score":0.06019194548328718}],"sentiment":"neutral","sentiment_score":0.06585923582315445,"num_words":8,"start":295.82498,"end":300.84998},{"sentences":[{"text":"I knew that, like, my Hub twenty four paid my ClearView, and it was, like, a yearly renewal.","start":300.84998,"end":305.72998,"sentiment":"neutral","sentiment_score":0.08819461986422539},{"text":"And I had to I got them each year and whatnot, which I think one just went fast, actually, for the 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government.","start":370.845,"end":375.025,"sentiment":"neutral","sentiment_score":-0.0442815220781735},{"text":"Clearview.","start":384.56,"end":385.06,"sentiment":"neutral","sentiment_score":0.03751324862241745},{"text":"Yeah.","start":385.44,"end":385.94,"sentiment":"neutral","sentiment_score":0.009924991056323051},{"text":"Yeah.","start":400.045,"end":400.545,"sentiment":"neutral","sentiment_score":0.0858277678489685}],"sentiment":"neutral","sentiment_score":-0.02439941269242101,"num_words":18,"start":370.525,"end":400.545},{"sentences":[{"text":"Yep.","start":401.165,"end":401.665,"sentiment":"neutral","sentiment_score":0.140156552195549},{"text":"Mhmm.","start":404.285,"end":404.785,"sentiment":"neutral","sentiment_score":0.04704159125685692},{"text":"Yep.","start":408.20502,"end":408.70502,"sentiment":"neutral","sentiment_score":0.11732850968837738},{"text":"Yep.","start":418.12997,"end":418.62997,"sentiment":"neutral","sentiment_score":0.16104857623577118},{"text":"Yep.","start":423.00998,"end":423.50998,"sentiment":"neutral","sentiment_score":0.07229889184236526}],"sentiment":"neutral","sentiment_score":0.10757482424378395,"num_words":5,"start":401.165,"end":423.50998},{"sentences":[{"text":"Yep.","start":425.445,"end":425.945,"sentiment":"neutral","sentiment_score":0.0890388935804367},{"text":"So we just need to work out if it's all valid for me living and working here.","start":426.165,"end":430.985,"sentiment":"neutral","sentiment_score":0.07796274958287969},{"text":"Because I don't mind leaving it in place if it's all valid, and then we could work out what I would have to do from there because as for my actual super, obviously, I haven't made any contribute contributions or any employer contributions since I moved here, and I've been here two months now.","start":431.125,"end":450.36002,"sentiment":"neutral","sentiment_score":-0.0014824190487464266},{"text":"So that's why I was like, oh, I need to get on to my financial advisers because I'm sure they're noticing the fact there's no extra money coming into that account at the moment.","start":450.36002,"end":459.975,"sentiment":"neutral","sentiment_score":-0.09723927162806778},{"text":"And this is yeah.","start":489.55502,"end":490.435,"sentiment":"neutral","sentiment_score":0.025561831891536713}],"sentiment":"neutral","sentiment_score":-0.016995753635737028,"num_words":110,"start":425.445,"end":490.435},{"sentences":[{"text":"They've got that whole Trans Tasman agreement in that.","start":490.435,"end":493.315,"sentiment":"neutral","sentiment_score":0.03090129316680961},{"text":"Yep.","start":493.315,"end":493.68,"sentiment":"neutral","sentiment_score":0.0891106128692627},{"text":"Mhmm.","start":498.72,"end":499.22,"sentiment":"neutral","sentiment_score":0.019181909039616585},{"text":"Bye.","start":530.56,"end":531.06,"sentiment":"neutral","sentiment_score":0.2708408832550049},{"text":"Yeah.","start":553.82,"end":554.3,"sentiment":"neutral","sentiment_score":0.015809953212738037}],"sentiment":"neutral","sentiment_score":0.05177346129830067,"num_words":13,"start":490.435,"end":554.3},{"sentences":[{"text":"And then just maybe see because I can't use my super for anything, can I?","start":554.3,"end":560.94,"sentiment":"neutral","sentiment_score":-0.17572674602270127},{"text":"Because I'm still trying to pay off a couple of loans I've got in Australia, and I obviously don't plan on coming back, but I also don't wanna not pay off a couple of loans.","start":560.94,"end":569.475,"sentiment":"negative","sentiment_score":-0.3866076026644025},{"text":"So and the whole exchange rate and getting money back over to Australia from New Zealand is actually not in it.","start":569.475,"end":576.21497,"sentiment":"neutral","sentiment_score":-0.31024809713874546},{"text":"And I just wasn't sure there was anything because I, obviously, even if I was to get it transferred here to my KiwiSaver, there's still the agreement.","start":577.795,"end":586.93005,"sentiment":"neutral","sentiment_score":-0.1289172834130349},{"text":"Like, I still can't touch it till I'm 65 or a retirement age.","start":586.93005,"end":590.47003,"sentiment":"neutral","sentiment_score":-0.11496569502812165}],"sentiment":"neutral","sentiment_score":-0.24916845054978187,"num_words":111,"start":554.3,"end":590.47003},{"sentences":[{"text":"But I just couldn't remember if there was anything in the Australian policy, if there was anything, the fact that you don't plan on coming back.","start":590.61005,"end":596.065,"sentiment":"neutral","sentiment_score":-0.2989652936275189},{"text":"Because I have already told the ATO that I was not planning on coming back to Australia, and I submitted my final tax return.","start":596.065,"end":603.045,"sentiment":"neutral","sentiment_score":-0.31393398468693096},{"text":"Final and complete once to 2027.","start":604.945,"end":607.425,"sentiment":"neutral","sentiment_score":0.1197841502726078},{"text":"I've already sent that paper work off to them.","start":607.425,"end":610.19,"sentiment":"neutral","sentiment_score":0.12952574839194617},{"text":"So that will actually close my whole yep.","start":610.73,"end":617.45,"sentiment":"neutral","sentiment_score":0.11632744607049972}],"sentiment":"neutral","sentiment_score":-0.17112954878184486,"num_words":73,"start":590.61005,"end":617.45},{"sentences":[{"text":"Yep.","start":617.45,"end":617.95,"sentiment":"neutral","sentiment_score":-0.007655388675630093},{"text":"Because I didn't plan on making any like, coming back and making any more money over there.","start":618.01,"end":623.775,"sentiment":"neutral","sentiment_score":-0.16982024995719686},{"text":"And I've got, like, about 10 k or something in like, that was taxed on my my annual leave payout, but in this financially, if that makes sense.","start":623.935,"end":634.895,"sentiment":"neutral","sentiment_score":-0.040171198546886444},{"text":"So I was like, I might as well get that in my pocket to chart towards those Australian lines anyway.","start":634.895,"end":639.635,"sentiment":"neutral","sentiment_score":0.08281315043568611},{"text":"But, yeah, I was the only other thing I had to sort out, obviously, was super, and I just didn't know what my options were.","start":642.04,"end":648.04,"sentiment":"neutral","sentiment_score":-0.1894521850347519}],"sentiment":"neutral","sentiment_score":-0.07801576719138321,"num_words":91,"start":617.45,"end":648.04},{"sentences":[{"text":"If I if I have to contribute, because I do contribute, it's probably gonna be a bit of a nightmare with the whole exchange Right?","start":648.04,"end":654.155,"sentiment":"negative","sentiment_score":-0.3440634316205978},{"text":"And not just that I make a whole lot less money here than what I did in Australia.","start":654.155,"end":657.53503,"sentiment":"neutral","sentiment_score":-0.3266153054104911},{"text":"And I'm also contributing to a super here.","start":658.715,"end":661.455,"sentiment":"neutral","sentiment_score":0.05027561984024942},{"text":"Mhmm.","start":675.8,"end":676.3,"sentiment":"neutral","sentiment_score":0.006922503467649221},{"text":"Yeah.","start":691.27496,"end":691.595,"sentiment":"neutral","sentiment_score":-0.06422515213489532}],"sentiment":"neutral","sentiment_score":-0.26671243354432145,"num_words":53,"start":648.04,"end":691.595},{"sentences":[{"text":"I wasn't sure if I was eligible.","start":691.595,"end":693.375,"sentiment":"neutral","sentiment_score":-0.26073109252112253},{"text":"Yeah.","start":698.96,"end":699.36,"sentiment":"neutral","sentiment_score":-0.10109978914260864},{"text":"I think I had to be, like, a permanent resident of Australia, not actually a citizen, and, like, you weren't coming back and you're not actually a citizen.","start":699.36,"end":707.36,"sentiment":"neutral","sentiment_score":-0.15125565204237187},{"text":"I think yeah.","start":707.36,"end":707.84,"sentiment":"neutral","sentiment_score":-0.11771908899148305},{"text":"I remember looking briefly looking at it, and I was like, I don't think I'd fit that eligibility criteria.","start":707.84,"end":712.555,"sentiment":"neutral","sentiment_score":-0.1613357984705975}],"sentiment":"neutral","sentiment_score":-0.1651709160671152,"num_words":58,"start":691.595,"end":712.555},{"sentences":[{"text":"But if you know of anything in your back end when you're reading and learning about all this shit, then sure.","start":713.575,"end":718.455,"sentiment":"neutral","sentiment_score":-0.23260350596337093},{"text":"Let me know because definitely would be helpful.","start":718.455,"end":720.875,"sentiment":"neutral","sentiment_score":0.08586933463811874},{"text":"Well, I'm still Australian citizen, but I'm permanent resident here because of the trans Tasman agreement.","start":733.52997,"end":738.57,"sentiment":"neutral","sentiment_score":0.044780267286114395},{"text":"So as soon as I moved here, I essentially was become a permanent resident automatically without even filling out a single piece of paper.","start":738.57,"end":748.03503,"sentiment":"neutral","sentiment_score":0.034037272833908595},{"text":"So so I'm just working for tax purposes.","start":749.935,"end":752.09503,"sentiment":"neutral","sentiment_score":-0.06417376408353448}],"sentiment":"neutral","sentiment_score":-0.041269223846785434,"num_words":77,"start":713.575,"end":752.09503},{"sentences":[{"text":"I I obviously have a super old what they call KiwiSaver here and, you know, they're they don't they don't do tax like we do tax in Australia.","start":752.09503,"end":760.74,"sentiment":"neutral","sentiment_score":-0.17371511406132153},{"text":"This is something else, but it's not really you don't really get a tax return.","start":760.8,"end":767.075,"sentiment":"neutral","sentiment_score":-0.2588012218475342},{"text":"You don't actually do a tax return here like you do.","start":767.075,"end":769.735,"sentiment":"neutral","sentiment_score":-0.261727897958322},{"text":"And so you don't do deductions or anything like like that.","start":769.875,"end":774.135,"sentiment":"neutral","sentiment_score":-0.10859810290011493},{"text":"Yeah.","start":774.27496,"end":774.77496,"sentiment":"neutral","sentiment_score":-0.06585203111171722}],"sentiment":"neutral","sentiment_score":-0.19523453881794756,"num_words":66,"start":752.09503,"end":774.77496},{"sentences":[{"text":"Yeah.","start":776.035,"end":776.27496,"sentiment":"neutral","sentiment_score":-0.131912961602211},{"text":"It's really weird.","start":776.27496,"end":777.075,"sentiment":"negative","sentiment_score":-0.4356150229771932},{"text":"And they pay a whole lot more tax, and they make a whole lot less money.","start":777.075,"end":779.88,"sentiment":"negative","sentiment_score":-0.6244081482291222},{"text":"So it's real shit.","start":780.33997,"end":781.63995,"sentiment":"negative","sentiment_score":-0.731722816824913},{"text":"Yeah.","start":789.45996,"end":789.95996,"sentiment":"neutral","sentiment_score":0.008137019351124763}],"sentiment":"negative","sentiment_score":-0.573921706005931,"num_words":25,"start":776.035,"end":789.95996},{"sentences":[{"text":"Original Australian, actually.","start":794.825,"end":796.445,"sentiment":"neutral","sentiment_score":0.04647592889765898},{"text":"Gotta get what?","start":807.54,"end":808.26,"sentiment":"neutral","sentiment_score":-0.031038494780659676},{"text":"Sorry.","start":808.26,"end":808.5,"sentiment":"neutral","sentiment_score":-0.16418689489364624},{"text":"I missed that part.","start":808.5,"end":809.48,"sentiment":"neutral","sentiment_score":-0.17350517585873604},{"text":"Oh, really?","start":822.10504,"end":822.765,"sentiment":"neutral","sentiment_score":0.018912000581622124}],"sentiment":"neutral","sentiment_score":-0.05954394575494986,"num_words":13,"start":794.825,"end":822.765},{"sentences":[{"text":"Interesting.","start":823.145,"end":823.645,"sentiment":"neutral","sentiment_score":0.06146686151623726},{"text":"Alright.","start":825.54504,"end":826.04504,"sentiment":"neutral","sentiment_score":0.039694663137197495},{"text":"Yeah.","start":828.505,"end":828.905,"sentiment":"neutral","sentiment_score":0.019685672596096992},{"text":"Well yeah.","start":828.905,"end":829.625,"sentiment":"neutral","sentiment_score":0.016083622816950083},{"text":"Yeah.","start":829.625,"end":829.945,"sentiment":"neutral","sentiment_score":0.012096059508621693}],"sentiment":"neutral","sentiment_score":0.027518417065342266,"num_words":6,"start":823.145,"end":829.945},{"sentences":[{"text":"From from, like, a white person's size.","start":829.945,"end":832.445,"sentiment":"neutral","sentiment_score":0.0018792673280196531},{"text":"Yeah.","start":834.57,"end":834.89,"sentiment":"neutral","sentiment_score":0.006475955713540316},{"text":"Yeah.","start":834.89,"end":835.37006,"sentiment":"neutral","sentiment_score":0.0054973699152469635},{"text":"Right.","start":835.37006,"end":835.77,"sentiment":"neutral","sentiment_score":-0.007988112978637218},{"text":"That's gone far, far way back.","start":835.77,"end":837.85004,"sentiment":"neutral","sentiment_score":-0.0978201652566592}],"sentiment":"neutral","sentiment_score":-0.03561130672460422,"num_words":16,"start":829.945,"end":837.85004},{"sentences":[{"text":"Well, I'm not a reasonable, but it's hard to go back because, you know, of the organization.","start":837.85004,"end":841.95,"sentiment":"neutral","sentiment_score":-0.2959810092168696},{"text":"Documentation doesn't go that far back very much.","start":842.97003,"end":855.855,"sentiment":"neutral","sentiment_score":-0.19471675343811512},{"text":"Yeah.","start":855.855,"end":856.355,"sentiment":"neutral","sentiment_score":-0.07030948251485825},{"text":"No.","start":856.575,"end":857.075,"sentiment":"neutral","sentiment_score":-0.226414754986763},{"text":"Yeah.","start":866.95,"end":867.11,"sentiment":"neutral","sentiment_score":-0.009476336650550364}],"sentiment":"neutral","sentiment_score":-0.24627184851228126,"num_words":28,"start":837.85004,"end":867.11},{"sentences":[{"text":"No.","start":867.11,"end":867.43,"sentiment":"neutral","sentiment_score":-0.11014696955680849},{"text":"Yep.","start":867.43,"end":867.93,"sentiment":"neutral","sentiment_score":-0.06070876121520996},{"text":"No.","start":875.195,"end":875.35504,"sentiment":"neutral","sentiment_score":-0.2015492618083954},{"text":"No.","start":875.35504,"end":875.755,"sentiment":"neutral","sentiment_score":-0.201315313577652},{"text":"I found a partner and found out I was pregnant two days ago.","start":875.755,"end":879.375,"sentiment":"neutral","sentiment_score":-0.16626348747656897}],"sentiment":"neutral","sentiment_score":-0.16089092019726248,"num_words":17,"start":867.11,"end":879.375},{"sentences":[{"text":"So definitely not moving back.","start":879.995,"end":881.775,"sentiment":"neutral","sentiment_score":-0.0010970473289489634},{"text":"Thank you.","start":882.395,"end":883.215,"sentiment":"neutral","sentiment_score":0.26429662108421326},{"text":"Unexpected, clearly.","start":883.995,"end":885.29504,"sentiment":"neutral","sentiment_score":-0.2365432232618332},{"text":"Not planned very well, clearly.","start":885.435,"end":887.215,"sentiment":"negative","sentiment_score":-0.46906907558441163},{"text":"Now I gotta get some shit together.","start":887.435,"end":889.43,"sentiment":"negative","sentiment_score":-0.48115982328142437}],"sentiment":"neutral","sentiment_score":-0.2696877419948578,"num_words":21,"start":879.995,"end":889.43},{"sentences":[{"text":"Oh, you completely went robot and cut out there.","start":897.57,"end":900.53,"sentiment":"neutral","sentiment_score":-0.31868165731430054},{"text":"What was that?","start":900.53,"end":901.43,"sentiment":"neutral","sentiment_score":-0.2021039923032125},{"text":"Oh, I haven't even thought about that.","start":910.505,"end":912.425,"sentiment":"neutral","sentiment_score":-0.23772588159356797},{"text":"Who knows if he'll marry me maybe in one year?","start":912.425,"end":915.005,"sentiment":"neutral","sentiment_score":-0.03781844209879637},{"text":"I don't know if I was going for citizenship.","start":916.265,"end":921.54004,"sentiment":"neutral","sentiment_score":-0.21266765064663357}],"sentiment":"neutral","sentiment_score":-0.19554529843949958,"num_words":38,"start":897.57,"end":921.54004},{"sentences":[{"text":"I don't actually well, I don't know.","start":921.76,"end":923.60004,"sentiment":"neutral","sentiment_score":-0.27296626567840576},{"text":"Because you can, I guess, live here as a permanent residence for for good?","start":923.60004,"end":927.60004,"sentiment":"neutral","sentiment_score":-0.14026538921254023},{"text":"Like, I I'm already working.","start":927.60004,"end":929.68,"sentiment":"neutral","sentiment_score":-0.07061486691236496},{"text":"I can buy a house and whatever else without needing it.","start":929.68,"end":932.695,"sentiment":"neutral","sentiment_score":-0.04796153476292437},{"text":"So I don't know if I actually will.","start":932.695,"end":934.635,"sentiment":"neutral","sentiment_score":-0.19494902901351452}],"sentiment":"neutral","sentiment_score":-0.14032717239525583,"num_words":45,"start":921.76,"end":934.635},{"sentences":[{"text":"Seems like a whole lot of waste of money.","start":939.335,"end":941.435,"sentiment":"negative","sentiment_score":-0.7267624603377448},{"text":"And I don't really wanna lose my Australian citizenship as such.","start":941.575,"end":945.03,"sentiment":"negative","sentiment_score":-0.42361578345298767},{"text":"I guess I could be Jill.","start":945.27,"end":950.01,"sentiment":"neutral","sentiment_score":-0.03967496162901322},{"text":"Yeah.","start":981.92,"end":982.16,"sentiment":"neutral","sentiment_score":-0.01721838489174843},{"text":"New 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that.","start":1025.295,"end":1028.995,"sentiment":"negative","sentiment_score":-0.33639708161354065},{"text":"Mhmm.","start":1039.5,"end":1040.0,"sentiment":"neutral","sentiment_score":-0.024845559149980545},{"text":"Yes.","start":1049.745,"end":1050.245,"sentiment":"neutral","sentiment_score":-0.13138574361801147}],"sentiment":"neutral","sentiment_score":-0.2732030575433256,"num_words":19,"start":982.8,"end":1050.245},{"sentences":[{"text":"Mhmm.","start":1054.305,"end":1054.805,"sentiment":"neutral","sentiment_score":-0.10920632630586624},{"text":"Just just, like, my whole life over again.","start":1056.91,"end":1059.73,"sentiment":"neutral","sentiment_score":-0.15067729353904724},{"text":"Mhmm.","start":1064.1901,"end":1064.6901,"sentiment":"neutral","sentiment_score":-0.013438276015222073},{"text":"Yeah.","start":1096.245,"end":1096.5651,"sentiment":"neutral","sentiment_score":0.10569142550230026},{"text":"Well, we'd have to do something because I've only kept my Australian note our number open until I get this shit sorted.","start":1096.5651,"end":1101.8451,"sentiment":"neutral","sentiment_score":-0.05830218304287304}],"sentiment":"neutral","sentiment_score":-0.07590968339619311,"num_words":33,"start":1054.305,"end":1101.8451},{"sentences":[{"text":"And then after that, I'm cutting it off and then I'll be calling my other New Zealand number or, like, yeah, like, I've worked out so it doesn't fucking because it cost me $10 per phone call every time I call back to Australia.","start":1101.8451,"end":1114.72,"sentiment":"neutral","sentiment_score":-0.13189006063409828},{"text":"Yep.","start":1128.1549,"end":1128.6549,"sentiment":"neutral","sentiment_score":0.12450021505355836},{"text":"Yep.","start":1137.515,"end":1138.015,"sentiment":"neutral","sentiment_score":0.23120997846126556},{"text":"Okay.","start":1142.56,"end":1143.06,"sentiment":"positive","sentiment_score":0.350102961063385},{"text":"Yes.","start":1181.0599,"end":1181.5599,"sentiment":"neutral","sentiment_score":0.12288455665111542}],"sentiment":"neutral","sentiment_score":-0.1036346865973125,"num_words":48,"start":1101.8451,"end":1181.5599},{"sentences":[{"text":"Yeah.","start":1191.3151,"end":1191.8151,"sentiment":"neutral","sentiment_score":0.10814805328845978},{"text":"Yeah.","start":1196.68,"end":1197.0801,"sentiment":"neutral","sentiment_score":0.1081872433423996},{"text":"Yep.","start":1197.0801,"end":1197.48,"sentiment":"neutral","sentiment_score":0.11840315908193588},{"text":"Okay.","start":1197.48,"end":1197.98,"sentiment":"neutral","sentiment_score":0.11678910255432128},{"text":"Well, I guess I just kinda wanna know how those insurances are gonna work if you can work that out and if it works over here.","start":1198.04,"end":1204.78,"sentiment":"neutral","sentiment_score":0.09842139310561694}],"sentiment":"neutral","sentiment_score":0.10034945930043856,"num_words":30,"start":1191.3151,"end":1204.78},{"sentences":[{"text":"Because I think that will give me some more of an idea.","start":1204.92,"end":1208.635,"sentiment":"positive","sentiment_score":0.47312693297863007},{"text":"Do I have to contribute to my super to keep it sort of open?","start":1209.0951,"end":1213.0951,"sentiment":"neutral","sentiment_score":0.20239177399447986},{"text":"And if so, like, how much to sort of cover everything to still make sort of some sort of progress wealth rather than just having a whole super limit to, like, diminish with fees and charges by you guys.","start":1213.0951,"end":1226.93,"sentiment":"neutral","sentiment_score":0.23654593317172465},{"text":"Preferably have you guys sort out my super rather than me have to do it otherwise I'm just gonna literally not log in and leave it there for however long and then hopefully it's fixed.","start":1227.31,"end":1235.23,"sentiment":"neutral","sentiment_score":0.09236035261835371},{"text":"Yeah.","start":1235.23,"end":1235.47,"sentiment":"neutral","sentiment_score":0.11329874396324158}],"sentiment":"neutral","sentiment_score":0.20873475753434814,"num_words":101,"start":1204.92,"end":1235.47},{"sentences":[{"text":"So I'm money in there when I go to free access it type of thing.","start":1235.47,"end":1238.625,"sentiment":"neutral","sentiment_score":0.0191950187087059},{"text":"So probably not a great idea.","start":1239.025,"end":1241.685,"sentiment":"neutral","sentiment_score":-0.2568170502781868},{"text":"So if you can work out some some of those ideas and some of those numbers, and then, yeah, we can have another conversation about this, that would be great.","start":1241.745,"end":1249.765,"sentiment":"positive","sentiment_score":0.34799526929855346},{"text":"Mhmm.","start":1268.475,"end":1268.975,"sentiment":"neutral","sentiment_score":0.09504880756139757},{"text":"Tuesday, the twenty second, I can do by the same sort of time, 04:30 my time, which is by 03:30 your time.","start":1269.6749,"end":1291.7699,"sentiment":"neutral","sentiment_score":0.06027797795832157}],"sentiment":"neutral","sentiment_score":0.14335196460219654,"num_words":74,"start":1235.47,"end":1291.7699},{"sentences":[{"text":"Probably getting a bit too close to, and I have to get this little one to into bed.","start":1303.0449,"end":1307.445,"sentiment":"neutral","sentiment_score":-0.3330635767843988},{"text":"My partner is a five year old, which we currently at McDonald's playing on the playground while I have a conversation with you.","start":1307.445,"end":1313.3999,"sentiment":"neutral","sentiment_score":-0.032524855888408165},{"text":"He's been distracted.","start":1313.3999,"end":1314.38,"sentiment":"neutral","sentiment_score":-0.2301370451847712},{"text":"Yep.","start":1318.2,"end":1318.44,"sentiment":"neutral","sentiment_score":0.20194411277770996},{"text":"And he now he's playing with the birds.","start":1318.44,"end":1320.2999,"sentiment":"neutral","sentiment_score":0.15644027665257454}],"sentiment":"neutral","sentiment_score":-0.11283322409638818,"num_words":53,"start":1303.0449,"end":1320.2999},{"sentences":[{"text":"No.","start":1320.44,"end":1320.6799,"sentiment":"neutral","sentiment_score":-0.07488178461790085},{"text":"No.","start":1320.6799,"end":1320.84,"sentiment":"neutral","sentiment_score":-0.07247406244277954},{"text":"We'll do we'll do 04:30 on the September 22.","start":1320.84,"end":1326.5249,"sentiment":"neutral","sentiment_score":0.0026166457165446555},{"text":"K?","start":1326.5249,"end":1327.0249,"sentiment":"neutral","sentiment_score":0.01970388181507587},{"text":"Okay.","start":1330.6849,"end":1331.1849,"sentiment":"neutral","sentiment_score":0.10839526355266572}],"sentiment":"neutral","sentiment_score":0.0003302392119971616,"num_words":13,"start":1320.44,"end":1331.1849},{"sentences":[{"text":"Did you wanna do that via what did you wanna do that via WhatsApp or via my phone?","start":1338.62,"end":1346.4,"sentiment":"neutral","sentiment_score":0.03506935377501779},{"text":"I probably still have my phone then.","start":1346.46,"end":1348.32,"sentiment":"neutral","sentiment_score":-0.007285598399383681},{"text":"I don't even know what that is.","start":1351.815,"end":1353.1749,"sentiment":"neutral","sentiment_score":-0.20006715187004634},{"text":"Go on.","start":1353.1749,"end":1353.9149,"sentiment":"neutral","sentiment_score":-0.003369363956153393},{"text":"Yep.","start":1357.735,"end":1358.235,"sentiment":"neutral","sentiment_score":0.06185469776391983}],"sentiment":"neutral","sentiment_score":-0.021860140402402195,"num_words":35,"start":1338.62,"end":1358.235},{"sentences":[{"text":"Mhmm.","start":1361.8949,"end":1362.3949,"sentiment":"neutral","sentiment_score":0.06406350433826447},{"text":"Or Teams.","start":1370.81,"end":1371.55,"sentiment":"neutral","sentiment_score":0.05107233487069607},{"text":"Okay.","start":1375.2101,"end":1375.53,"sentiment":"neutral","sentiment_score":0.042414091527462006},{"text":"I've never heard of Google Meet.","start":1375.53,"end":1376.65,"sentiment":"neutral","sentiment_score":-0.004916465375572443},{"text":"So I've used Teams, but, yeah, I'm not Google Meet.","start":1376.65,"end":1379.05,"sentiment":"neutral","sentiment_score":-0.009114995505660773}],"sentiment":"neutral","sentiment_score":0.004398675914853811,"num_words":20,"start":1361.8949,"end":1379.05},{"sentences":[{"text":"So is that, like, an app after download or no?","start":1379.05,"end":1381.385,"sentiment":"neutral","sentiment_score":0.00447277519851923},{"text":"Right.","start":1388.165,"end":1388.665,"sentiment":"neutral","sentiment_score":0.13224411010742188},{"text":"Great.","start":1390.0851,"end":1390.5851,"sentiment":"positive","sentiment_score":0.5671306848526001},{"text":"Alright.","start":1390.645,"end":1391.125,"sentiment":"neutral","sentiment_score":0.24038951098918915},{"text":"Well, yes.","start":1391.125,"end":1392.265,"sentiment":"neutral","sentiment_score":0.07803473994135857}],"sentiment":"neutral","sentiment_score":0.0760374358544747,"num_words":15,"start":1379.05,"end":1392.265},{"sentences":[{"text":"If you send me an invite for that for that day, I'll click on the link and be there for 04:30, which will be 04:30 my time and 02:30 yours.","start":1392.405,"end":1402.0701,"sentiment":"neutral","sentiment_score":0.10680842405805985},{"text":"Perfect.","start":1403.5701,"end":1404.0701,"sentiment":"positive","sentiment_score":0.5452585220336914},{"text":"Mhmm.","start":1419.795,"end":1420.295,"sentiment":"neutral","sentiment_score":0.008790004067122936},{"text":"Oh, not till, like, May next year.","start":1425.99,"end":1428.17,"sentiment":"neutral","sentiment_score":-0.010956882299589259},{"text":"Yeah.","start":1440.635,"end":1441.035,"sentiment":"neutral","sentiment_score":0.03722885996103287}],"sentiment":"neutral","sentiment_score":0.09297079829266294,"num_words":40,"start":1392.405,"end":1441.035},{"sentences":[{"text":"Well, at the moment, I'm earning after tax, like, 3,200 a fortnight, 3,300 in that sort of area.","start":1441.035,"end":1452.4401,"sentiment":"neutral","sentiment_score":-0.04759590896881289},{"text":"But it could but gross, I make probably, like, $4.5.05 grand, but the tax is, like, 35% here.","start":1453.06,"end":1460.18,"sentiment":"neutral","sentiment_score":-0.10383980203833845},{"text":"So it's been crazy high.","start":1460.18,"end":1462.52,"sentiment":"neutral","sentiment_score":-0.22251618504524232},{"text":"So that's 1,200 in tax.","start":1463.8251,"end":1465.185,"sentiment":"neutral","sentiment_score":-0.038683807104825975},{"text":"So, yeah, I must have been about $4.5 of fortnight gross roughly.","start":1465.185,"end":1468.645,"sentiment":"neutral","sentiment_score":-0.05153867695480585}],"sentiment":"neutral","sentiment_score":-0.08017770486787476,"num_words":58,"start":1441.035,"end":1468.645},{"sentences":[{"text":"I think my salary is about 109,000 a year or something, but plus the penalty.","start":1468.865,"end":1474.0651,"sentiment":"neutral","sentiment_score":-0.05261178202927112},{"text":"So it's a bit more.","start":1474.0651,"end":1475.28,"sentiment":"neutral","sentiment_score":-0.07946240156888962},{"text":"But yeah.","start":1475.28,"end":1476.02,"sentiment":"neutral","sentiment_score":-0.02696831990033388},{"text":"So that's what I'm earning at the moment.","start":1476.4801,"end":1478.0801,"sentiment":"neutral","sentiment_score":-0.058513176161795855},{"text":"Because then when I get obviously, I have a baby and I'm definitely not earning that much.","start":1478.0801,"end":1481.52,"sentiment":"neutral","sentiment_score":-0.22682004158987717}],"sentiment":"neutral","sentiment_score":-0.11839301051928643,"num_words":47,"start":1468.865,"end":1481.52},{"sentences":[{"text":"I will I won't even meet maternity maternity I probably won't even get I won't even get the maternity payment from my work because I wouldn't have been here for twelve months by the time the baby comes, which is bit frustrating.","start":1481.52,"end":1493.7949,"sentiment":"negative","sentiment_score":-0.4921531265690213},{"text":"It's what it is.","start":1493.7949,"end":1498.835,"sentiment":"neutral","sentiment_score":-0.16281955689191818},{"text":"And then I'll restrict that right back down to $700 a week, I will get.","start":1498.835,"end":1505.25,"sentiment":"neutral","sentiment_score":-0.10421144316593806},{"text":"For six months.","start":1505.25,"end":1506.23,"sentiment":"neutral","sentiment_score":-0.059638374795516334},{"text":"And that's all I'll get.","start":1507.01,"end":1507.97,"sentiment":"neutral","sentiment_score":-0.12087238281965255}],"sentiment":"negative","sentiment_score":-0.3430167859339196,"num_words":69,"start":1481.52,"end":1507.97},{"sentences":[{"text":"And then I'll have to go back to work after six months, which is just not fantastic.","start":1507.97,"end":1511.0299,"sentiment":"negative","sentiment_score":-0.3899060557870304},{"text":"Rough.","start":1520.2949,"end":1520.775,"sentiment":"negative","sentiment_score":-0.4164497256278992},{"text":"This is my first baby, so I'm very nervous and very stressed out.","start":1520.775,"end":1524.135,"sentiment":"negative","sentiment_score":-0.5765210000368265},{"text":"I'm very worried about money.","start":1524.135,"end":1525.255,"sentiment":"negative","sentiment_score":-0.560183846950531},{"text":"My partner, I'm very worried about money.","start":1525.255,"end":1527.115,"sentiment":"negative","sentiment_score":-0.3932826135839735}],"sentiment":"negative","sentiment_score":-0.4672912373099216,"num_words":43,"start":1507.97,"end":1527.115},{"sentences":[{"text":"Mhmm.","start":1541.78,"end":1542.28,"sentiment":"neutral","sentiment_score":-0.01606200449168682},{"text":"Oh, yeah.","start":1561.9299,"end":1562.4099,"sentiment":"neutral","sentiment_score":0.07299833744764328},{"text":"My budget I have it in a I have it in an Excel spreadsheet.","start":1562.4099,"end":1566.59,"sentiment":"neutral","sentiment_score":0.09721541963517666},{"text":"I know exactly where every dollar is.","start":1566.6499,"end":1568.57,"sentiment":"neutral","sentiment_score":0.18317411414214543},{"text":"I've got a budget for everything that's due in a year.","start":1568.57,"end":1571.2899,"sentiment":"neutral","sentiment_score":0.18464595621282404}],"sentiment":"neutral","sentiment_score":0.13726499607520445,"num_words":35,"start":1541.78,"end":1571.2899},{"sentences":[{"text":"Like, I mean, I put, like, a dollar 80 for registration each year each week or, you know, the bill registration, doctor's appointments, you know, all insurances.","start":1571.2899,"end":1582.095,"sentiment":"neutral","sentiment_score":0.059739981260564595},{"text":"Yeah.","start":1584.235,"end":1584.475,"sentiment":"neutral","sentiment_score":0.053554315119981766},{"text":"But it all adds up.","start":1584.475,"end":1585.855,"sentiment":"neutral","sentiment_score":0.043830502033233645},{"text":"Yeah.","start":1590.9901,"end":1591.2301,"sentiment":"neutral","sentiment_score":0.10784849524497986},{"text":"Yeah.","start":1591.2301,"end":1591.4701,"sentiment":"neutral","sentiment_score":0.07110658288002014}],"sentiment":"neutral","sentiment_score":0.05898975421275411,"num_words":35,"start":1571.2899,"end":1591.4701},{"sentences":[{"text":"I'm I'm totally onto my budget, but it makes it difficult where I still have two loans over in Australia because you had the conversion base as well as the Australian dollars cost.","start":1591.4701,"end":1601.01,"sentiment":"neutral","sentiment_score":-0.140020819493767},{"text":"Costly convert, like, the conversion base and then the cost actually transferred over there phase wise into that account into my Commonwealth account is, I think, I think, like, $250 a month in just conversion fees and fees to get it over there on top of the actual bills.","start":1601.2151,"end":1622.21,"sentiment":"neutral","sentiment_score":-0.08488878372068308},{"text":"Yeah.","start":1624.11,"end":1624.4299,"sentiment":"neutral","sentiment_score":-0.041638702154159546},{"text":"Which is not fun.","start":1624.4299,"end":1625.8899,"sentiment":"neutral","sentiment_score":-0.19220126699656248},{"text":"I've got, like, I think it's probably, like, $2.5 left on a CommBank personal loan, which is not much, which I hopefully pay that off with my final tax when I get it.","start":1629.315,"end":1639.875,"sentiment":"neutral","sentiment_score":-0.17074926739389246}],"sentiment":"neutral","sentiment_score":-0.1268783919978887,"num_words":120,"start":1591.4701,"end":1639.875},{"sentences":[{"text":"And then my other loan was, like, a consolidation loan that I got a few years back.","start":1639.875,"end":1645.98,"sentiment":"neutral","sentiment_score":-0.07441210264668745},{"text":"And last I looked at it, I think that was, like, $12 still owing on it when I looked at it in, like, April.","start":1645.98,"end":1653.76,"sentiment":"neutral","sentiment_score":-0.07516480749472976},{"text":"But that one, I'm just paying back the minimum, so it's obviously not paying down as quick.","start":1654.38,"end":1659.235,"sentiment":"neutral","sentiment_score":-0.1993700213292066},{"text":"But the bank loan, if you get rid of quicker anyway, because that one charges me a whole lot more than what their ventilation does.","start":1659.235,"end":1665.735,"sentiment":"neutral","sentiment_score":-0.3205458480119705},{"text":"I never actually thought about that.","start":1685.6849,"end":1687.125,"sentiment":"neutral","sentiment_score":-0.1654171645641327}],"sentiment":"neutral","sentiment_score":-0.17375731095671654,"num_words":89,"start":1639.875,"end":1687.125},{"sentences":[{"text":"No.","start":1687.125,"end":1687.365,"sentiment":"neutral","sentiment_score":-0.3025254011154175},{"text":"I'm just being sort of paying it.","start":1687.365,"end":1690.105,"sentiment":"negative","sentiment_score":-0.34206285646983553},{"text":"Yeah.","start":1698.67,"end":1699.0701,"sentiment":"neutral","sentiment_score":-0.15895098447799683},{"text":"For, like, conversion.","start":1699.0701,"end":1700.29,"sentiment":"neutral","sentiment_score":-0.11373993009328842},{"text":"Because, like, I think the bank loan is 544 a month, and then the consolidation is, like, $3.77 a month plus the conversion.","start":1700.51,"end":1709.9701,"sentiment":"neutral","sentiment_score":-0.09082824234729228}],"sentiment":"neutral","sentiment_score":-0.15103387843285287,"num_words":35,"start":1687.125,"end":1709.9701},{"sentences":[{"text":"And I think I'm putting away, like, $700 a fortnight to cover those.","start":1710.03,"end":1714.605,"sentiment":"neutral","sentiment_score":-0.24273021289935479},{"text":"It's at 1,400 a month or something I'm paying, which is which is, like, the minimum on those loans.","start":1714.825,"end":1722.765,"sentiment":"neutral","sentiment_score":-0.08755272930782092},{"text":"But I'm hoping to get rid of some of them.","start":1726.23,"end":1728.89,"sentiment":"negative","sentiment_score":-0.3534370630979538},{"text":"Yeah.","start":1729.83,"end":1730.33,"sentiment":"neutral","sentiment_score":-0.1970186233520508},{"text":"I did like, I did, like I worked it out through ChartDVT and everything, and I put all the paperwork in.","start":1734.15,"end":1739.825,"sentiment":"neutral","sentiment_score":-0.04405195053134646}],"sentiment":"neutral","sentiment_score":-0.1480542943754699,"num_words":64,"start":1710.03,"end":1739.825},{"sentences":[{"text":"And, yeah, about I should just get, like, $10,040 or something because it was, like, $13 or something I got tax withheld.","start":1740.0449,"end":1750.145,"sentiment":"neutral","sentiment_score":-0.0933924950659275},{"text":"But because I sit under the threshold, but then there's I don't know.","start":1750.845,"end":1753.565,"sentiment":"neutral","sentiment_score":-0.15223907793943697},{"text":"There's, like, a pro router on, you know, what's, like, whatever else.","start":1753.565,"end":1758.18,"sentiment":"neutral","sentiment_score":-0.09485256609817345},{"text":"Anyway, I worked it all out.","start":1758.18,"end":1759.3,"sentiment":"neutral","sentiment_score":0.0988149605691433},{"text":"There'll be there's, like, yeah, about $10 should be coming.","start":1759.3,"end":1761.78,"sentiment":"neutral","sentiment_score":0.029300944693386555}],"sentiment":"neutral","sentiment_score":-0.0680329283728959,"num_words":63,"start":1740.0449,"end":1761.78},{"sentences":[{"text":"So I'll pay off the bank loan first because that's obviously got the high interest, and then I'll pay the rest of that onto the other loan, which probably dropped me down.","start":1761.78,"end":1769.955,"sentiment":"neutral","sentiment_score":-0.11852344946237281},{"text":"I'll probably have maybe $3.03, $4 left on that, and then I'll that's, I guess, a less of the loan to pay off.","start":1769.955,"end":1777.075,"sentiment":"neutral","sentiment_score":-0.21105324282594348},{"text":"And I guess if funds can be feasible, try and make some high payments on that and get rid of that as soon as possible, but we'll see.","start":1777.075,"end":1786.73,"sentiment":"neutral","sentiment_score":-0.1280027340565409},{"text":"Have it all paid off.","start":1807.975,"end":1809.355,"sentiment":"neutral","sentiment_score":-0.02601587101817131},{"text":"Yeah.","start":1811.89,"end":1812.13,"sentiment":"neutral","sentiment_score":0.05814531818032265}],"sentiment":"neutral","sentiment_score":-0.1382357927897338,"num_words":89,"start":1761.78,"end":1812.13},{"sentences":[{"text":"That's my idea.","start":1812.13,"end":1813.35,"sentiment":"neutral","sentiment_score":0.038829545180002846},{"text":"I was like, if I pay though that bank loan off and then, like, the conversion rate that I'm saving on it, then hopefully, with a couple of payments, I should, like, do double payments type of thing or triple payments, whatever I can do, make some high payments and try and get rid of that loan.","start":1813.49,"end":1830.875,"sentiment":"neutral","sentiment_score":0.08574717060515755},{"text":"That's my idea, but gotta waste the money to come in.","start":1830.875,"end":1834.1749,"sentiment":"negative","sentiment_score":-0.36528022993694653},{"text":"Mhmm.","start":1843.4199,"end":1843.9199,"sentiment":"neutral","sentiment_score":-0.000787690281867981},{"text":"Mhmm.","start":1855.9551,"end":1856.4551,"sentiment":"neutral","sentiment_score":-0.07270564883947372}],"sentiment":"neutral","sentiment_score":0.01250002043296213,"num_words":73,"start":1812.13,"end":1856.4551},{"sentences":[{"text":"Mhmm.","start":1892.52,"end":1893.02,"sentiment":"neutral","sentiment_score":-0.07903610169887543},{"text":"Oh, well, and then just call the loan people and be like, hey.","start":1901.48,"end":1905.0801,"sentiment":"neutral","sentiment_score":0.12480811373545574},{"text":"Can you just hold my payments for, like, couple Yes.","start":1905.0801,"end":1932.41,"sentiment":"neutral","sentiment_score":0.17810378819704056},{"text":"Yep.","start":1939.775,"end":1940.275,"sentiment":"neutral","sentiment_score":0.03920779377222061},{"text":"Yep.","start":1966.7949,"end":1967.2949,"sentiment":"neutral","sentiment_score":0.01058122143149376}],"sentiment":"neutral","sentiment_score":0.12978062592446804,"num_words":26,"start":1892.52,"end":1967.2949},{"sentences":[{"text":"Yeah.","start":2019.1649,"end":2019.485,"sentiment":"neutral","sentiment_score":0.08186782896518707},{"text":"Well, I'm looking I'm looking at the loan now.","start":2019.485,"end":2024.765,"sentiment":"neutral","sentiment_score":0.1112922728061676},{"text":"So it was a it was I think the yeah.","start":2024.765,"end":2029.645,"sentiment":"neutral","sentiment_score":0.0904437892138958},{"text":"The initial loan amount was this time $19 with a fixed interest rate of 16.42% per annum, and the loan term was eighty four months.","start":2029.645,"end":2037.6901,"sentiment":"neutral","sentiment_score":0.07676870092749595},{"text":"And that's all it says.","start":2039.8301,"end":2041.05,"sentiment":"neutral","sentiment_score":0.052068742364645}],"sentiment":"neutral","sentiment_score":0.08334994822740555,"num_words":50,"start":2019.1649,"end":2041.05},{"sentences":[{"text":"There was an establishment fee, a lending assistance fee.","start":2042.0701,"end":2045.27,"sentiment":"neutral","sentiment_score":0.014983566684855355},{"text":"So in total, it was $18.80 4, but I think I got 7p.","start":2045.27,"end":2049.21,"sentiment":"neutral","sentiment_score":0.04947815620555328},{"text":"Yeah.","start":2049.7349,"end":2050.2349,"sentiment":"neutral","sentiment_score":0.10680456459522247},{"text":"And it's just a monthly frequency, and I don't think I get a fee for paying it out if I pay it out.","start":2051.6548,"end":2060.2349,"sentiment":"neutral","sentiment_score":-0.02858068567255269},{"text":"I think I had, like, a year or something.","start":2061.095,"end":2063.7349,"sentiment":"neutral","sentiment_score":0.04661733657121658}],"sentiment":"neutral","sentiment_score":0.011764962801879103,"num_words":55,"start":2042.0701,"end":2063.7349},{"sentences":[{"text":"If you make it you're gonna have a loan.","start":2063.7349,"end":2066.83,"sentiment":"neutral","sentiment_score":0.0674832711617152},{"text":"Yeah.","start":2066.83,"end":2067.15,"sentiment":"neutral","sentiment_score":0.10442093759775162},{"text":"I think I could pay it early, but it couldn't be within the first year, which is well and truly over, if I remember correctly.","start":2067.15,"end":2073.65,"sentiment":"neutral","sentiment_score":0.08249789506196975},{"text":"Mhmm.","start":2094.0398,"end":2094.5398,"sentiment":"neutral","sentiment_score":-0.046461980789899826},{"text":"Yeah.","start":2112.7952,"end":2112.955,"sentiment":"neutral","sentiment_score":-0.0335591696202755}],"sentiment":"neutral","sentiment_score":0.07281612443762857,"num_words":37,"start":2063.7349,"end":2112.955},{"sentences":[{"text":"Because I'd be curious.","start":2112.955,"end":2114.2551,"sentiment":"neutral","sentiment_score":-0.18956277519464493},{"text":"Yeah.","start":2114.635,"end":2115.135,"sentiment":"neutral","sentiment_score":-0.10995463281869888},{"text":"Yeah.","start":2116.475,"end":2116.715,"sentiment":"neutral","sentiment_score":-0.03879646956920624},{"text":"Yeah.","start":2116.715,"end":2116.875,"sentiment":"neutral","sentiment_score":-0.07537224888801575},{"text":"Because I am curious to know if it's per annum, like, if that's the daily fee rate or if it's based on the amount of the loan remaining.","start":2116.875,"end":2126.5999,"sentiment":"neutral","sentiment_score":-0.05194136081263423}],"sentiment":"neutral","sentiment_score":-0.06962093013737883,"num_words":35,"start":2112.955,"end":2126.5999},{"sentences":[{"text":"Because if you paid if I was to pay extra each month with my fees, if my interest rate's less or if it was actually fixed fixed.","start":2126.74,"end":2135.38,"sentiment":"neutral","sentiment_score":-0.15956693142652512},{"text":"So it doesn't matter if I paid it off more than I needed.","start":2135.38,"end":2138.8152,"sentiment":"neutral","sentiment_score":-0.19870786999280637},{"text":"It's just it's a fixed rate.","start":2138.8152,"end":2140.2551,"sentiment":"neutral","sentiment_score":-0.1573550763229529},{"text":"I'm not actually sure about that.","start":2140.2551,"end":2141.875,"sentiment":"neutral","sentiment_score":-0.2766801913579305},{"text":"Yeah.","start":2146.5752,"end":2147.0752,"sentiment":"neutral","sentiment_score":0.11281514912843704}],"sentiment":"neutral","sentiment_score":-0.17703596066753818,"num_words":53,"start":2126.74,"end":2147.0752},{"sentences":[{"text":"Yeah.","start":2147.455,"end":2147.695,"sentiment":"neutral","sentiment_score":0.07508482038974762},{"text":"I can give you some.","start":2147.695,"end":2148.835,"sentiment":"neutral","sentiment_score":0.08716499209403991},{"text":"Mhmm.","start":2150.335,"end":2150.835,"sentiment":"neutral","sentiment_score":0.06576107442378998},{"text":"Yeah.","start":2176.145,"end":2176.625,"sentiment":"neutral","sentiment_score":0.012910233810544014},{"text":"Yeah.","start":2176.625,"end":2176.9448,"sentiment":"neutral","sentiment_score":0.018105365335941315}],"sentiment":"neutral","sentiment_score":0.06752071715891361,"num_words":9,"start":2147.455,"end":2176.9448},{"sentences":[{"text":"So you can, like, pause it.","start":2176.9448,"end":2178.9648,"sentiment":"neutral","sentiment_score":-0.03501672608156999},{"text":"Yeah.","start":2179.1848,"end":2179.4248,"sentiment":"neutral","sentiment_score":0.03361145406961441},{"text":"Yeah.","start":2179.4248,"end":2179.7449,"sentiment":"neutral","sentiment_score":0.04077955335378647},{"text":"You can pause, Like, if you pay six months in front type of thing, they'll pause it for, like, six months with no interest, no fees, no nothing like that.","start":2179.7449,"end":2186.85,"sentiment":"neutral","sentiment_score":0.019970967496434847},{"text":"Yeah.","start":2186.85,"end":2187.1702,"sentiment":"neutral","sentiment_score":0.017104681581258774}],"sentiment":"neutral","sentiment_score":0.012321137369443208,"num_words":39,"start":2176.9448,"end":2187.1702},{"sentences":[{"text":"I've I've I've and family family member of mine did that was, like I had been paying in front for a long time, ended up being, like, 3,000 in front and then missed, you know, like, six weeks of payments or whatnot, but, like, never defaulted because it was always, like, $3 like, had $3 in front in the first place.","start":2187.1702,"end":2206.285,"sentiment":"neutral","sentiment_score":-0.12057839672569735},{"text":"So, yeah, some of them work like that.","start":2207.865,"end":2209.625,"sentiment":"neutral","sentiment_score":0.012089501600712538},{"text":"But I'll definitely yeah.","start":2209.625,"end":2211.06,"sentiment":"neutral","sentiment_score":0.11987570114433765},{"text":"I'll give them a call.","start":2211.06,"end":2212.02,"sentiment":"neutral","sentiment_score":0.16167850643396378},{"text":"And, look, I can just tell them, like, my situation.","start":2212.02,"end":2214.04,"sentiment":"neutral","sentiment_score":0.11713446602225304}],"sentiment":"neutral","sentiment_score":-0.05453779761922884,"num_words":88,"start":2187.1702,"end":2214.04},{"sentences":[{"text":"Sometimes they'll you know, it's not an advantage or the fact that I'm already saying it.","start":2214.1802,"end":2217.62,"sentiment":"neutral","sentiment_score":-0.09665030310861766},{"text":"So probably just happy that I'm still paying one because I'm sure there's many people that just get the country and was, like, fuck the loan and never going back anyway.","start":2217.62,"end":2223.875,"sentiment":"neutral","sentiment_score":-0.14872401375924388},{"text":"So at least I'm trying to get the them their money still.","start":2224.815,"end":2228.275,"sentiment":"neutral","sentiment_score":-0.07924108269313972},{"text":"Well no.","start":2239.53,"end":2242.57,"sentiment":"neutral","sentiment_score":-0.15136686712503433},{"text":"I wasn't never planning on it because you just never know.","start":2242.57,"end":2245.47,"sentiment":"neutral","sentiment_score":-0.07683867554772984}],"sentiment":"neutral","sentiment_score":-0.11466251991482244,"num_words":72,"start":2214.1802,"end":2245.47},{"sentences":[{"text":"I'm just also not a dodgy person, but I no.","start":2245.85,"end":2248.01,"sentiment":"neutral","sentiment_score":-0.13441841602325438},{"text":"You just never know.","start":2248.01,"end":2248.6501,"sentiment":"neutral","sentiment_score":-0.12886749394237995},{"text":"I might end up, like, in Australia one day, but no.","start":2248.6501,"end":2251.53,"sentiment":"neutral","sentiment_score":-0.12405446307225661},{"text":"I didn't I didn't wanna do the the dodgy anyway.","start":2251.53,"end":2254.6948,"sentiment":"neutral","sentiment_score":-0.26280817985534666},{"text":"And I know yeah.","start":2254.6948,"end":2257.335,"sentiment":"neutral","sentiment_score":-0.05623515881597996}],"sentiment":"neutral","sentiment_score":-0.15582758111831468,"num_words":39,"start":2245.85,"end":2257.335},{"sentences":[{"text":"And I guess I have forwarded on my address details to the ATM stuff, so that'll be able to find me.","start":2257.335,"end":2263.275,"sentiment":"neutral","sentiment_score":0.02719787738862492},{"text":"Anyway.","start":2266.6948,"end":2267.1948,"sentiment":"neutral","sentiment_score":0.1349390149116516},{"text":"Yeah.","start":2306.8298,"end":2307.3098,"sentiment":"neutral","sentiment_score":0.020558500662446026},{"text":"That or yeah.","start":2307.3098,"end":2309.23,"sentiment":"neutral","sentiment_score":0.027607922131816547},{"text":"Well, even if I am gonna keep it there, like, am I or how much will I need to contribute, and is it gonna be feasible, and how much the fees are gonna be for you to keep doing it?","start":2309.23,"end":2318.7148,"sentiment":"neutral","sentiment_score":0.04981374386698008}],"sentiment":"neutral","sentiment_score":0.04245494639105869,"num_words":66,"start":2257.335,"end":2318.7148},{"sentences":[{"text":"Am I gonna make wealth on it at all?","start":2318.7148,"end":2321.035,"sentiment":"neutral","sentiment_score":-0.000901389867067337},{"text":"So or am I better off just pulling it over to a KiwiSaver and having it on one?","start":2321.035,"end":2327.36,"sentiment":"neutral","sentiment_score":-0.010951489210128784},{"text":"I'm not sure yet.","start":2327.36,"end":2328.1602,"sentiment":"neutral","sentiment_score":-0.07183286547660828},{"text":"So if you can just give me some information, I'll be able to make a better decision come next conversation.","start":2328.1602,"end":2333.1401,"sentiment":"neutral","sentiment_score":0.10401860103011132},{"text":"Perfect.","start":2336.08,"end":2336.58,"sentiment":"positive","sentiment_score":0.42603588104248047}],"sentiment":"neutral","sentiment_score":0.03872763702216057,"num_words":52,"start":2318.7148,"end":2336.58},{"sentences":[{"text":"Come on, shoot on Auggie.","start":2342.395,"end":2343.435,"sentiment":"neutral","sentiment_score":0.1441056877374649},{"text":"We're going.","start":2343.435,"end":2344.095,"sentiment":"neutral","sentiment_score":0.16360586881637573},{"text":"Mhmm.","start":2345.515,"end":2346.015,"sentiment":"neutral","sentiment_score":0.04215186834335327},{"text":"Okay.","start":2355.06,"end":2355.56,"sentiment":"neutral","sentiment_score":0.16018861532211304},{"text":"I don't Yep.","start":2359.3,"end":2360.28,"sentiment":"neutral","sentiment_score":-0.05067796881000201}],"sentiment":"neutral","sentiment_score":0.09150389612962802,"num_words":12,"start":2342.395,"end":2360.28},{"sentences":[{"text":"Because I need a friend.","start":2361.5935,"end":2362.6802,"sentiment":"neutral","sentiment_score":-0.054327141493558884},{"text":"We're gonna get all wet.","start":2364.4202,"end":2365.9602,"sentiment":"neutral","sentiment_score":-0.0011332856491208076},{"text":"We're gonna get all wet gas stations.","start":2369.205,"end":2371.3052,"sentiment":"neutral","sentiment_score":-0.011920902878046036},{"text":"Basically, we're gonna get all wet.","start":2373.125,"end":2374.5652,"sentiment":"neutral","sentiment_score":0.021041221722650032},{"text":"Okay.","start":2374.5652,"end":2375.0652,"sentiment":"neutral","sentiment_score":0.05619991570711136}],"sentiment":"neutral","sentiment_score":-0.007429217075696215,"num_words":24,"start":2361.5935,"end":2375.0652},{"sentences":[{"text":"Perfect.","start":2387.47,"end":2387.97,"sentiment":"positive","sentiment_score":0.7637629508972168},{"text":"Sounds good.","start":2388.03,"end":2388.67,"sentiment":"positive","sentiment_score":0.8308641612529755},{"text":"I will talk to you soon.","start":2388.67,"end":2390.3699,"sentiment":"positive","sentiment_score":0.6751218537489573},{"text":"Thanks.","start":2394.51,"end":2394.99,"sentiment":"positive","sentiment_score":0.8093369007110596},{"text":"You too, doll.","start":2394.99,"end":2395.71,"sentiment":"positive","sentiment_score":0.6752861539522806}],"sentiment":"positive","sentiment_score":0.7162629044972934,"num_words":13,"start":2387.47,"end":2395.71},{"sentences":[{"text":"Bye now.","start":2395.71,"end":2396.45,"sentiment":"positive","sentiment_score":0.42445044219493866}],"sentiment":"positive","sentiment_score":0.42445044219493866,"num_words":2,"start":2395.71,"end":2396.45}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Hi. Jason Larissa from OC Financial. How are you going?\n\nChannel 1: Good. Thanks. So how are you?\n\nChannel 0: Yeah. Really good. Thank you. Sorry. I'm a couple minutes late.\n\nTime ran\n\nChannel 1: Okay.\n\nChannel 0: away,\n\nChannel 1: I\n\nChannel 0: and I\n\nChannel 1: was\n\nChannel 0: got good.\n\nChannel 1: like, I'm not one. Oh, that's\n\nChannel 0: Yeah.\n\nChannel 1: okay.\n\nChannel 0: I looked\n\nChannel 1: I\n\nChannel 0: around\n\nChannel 1: was\n\nChannel 0: and\n\nChannel 1: wondering\n\nChannel 0: I was like,\n\nChannel 1: if you\n\nChannel 0: oh, no.\n\nChannel 1: you forgot me.\n\nChannel 0: No. Not at all. Just the time just is when we're having fun.\n\nChannel 1: Yeah. I'm good, Alden.\n\nChannel 0: Now before we jump into it, I do need to let you know our calls are recorded. And if it's okay, can I just get you complete security for me? Just full name, date of birth, and address that I would have on file.\n\nChannel 1: Yeah. Jason Lee Young, 05/27/1995, and 19 Raleigh Street, Deception Bay, 45\n\nChannel 0: Amazing. Perfect.\n\nChannel 1: 08.\n\nChannel 0: Okay. So my team has let me know that you have moved over to New Zealand,\n\nChannel 1: Yes.\n\nChannel 0: and we're not in Australia anymore. I guess, first and foremost, I have a couple of questions. Are we intending on returning to Australia anytime?\n\nChannel 1: Mhmm. No. I don't don't intend to return to Australia. No.\n\nChannel 0: No. That's\n\nChannel 1: No.\n\nChannel 0: okay.\n\nChannel 1: No. That's okay.\n\nChannel 0: I guess, realistically, with with regards to, like, your your fund, your account, and everything over here, there are choices you have available to you, and we can definitely put them all down and and go through them. But before we start breaking them down and overloading with information, is or have you deliberated or considered what you wanna do with your super funds over here in Australia, your insurance policy over here in Australia, and, like, I guess, any other assets?\n\nChannel 1: Well, I just I don't think the insurance and stuff is valid anymore. I'll have to sort of think about insurance. So, like, health insurance and stuff like that, job protection insurance or the PCR. I started a KiwiSaver over here, which is obviously the version of sort of, like, evaluation.\n\nChannel 0: Yep.\n\nChannel 1: I looked into that, and I don't know. People say you should just leave your superannuation in Australia because the returns are still better than the returns you get from KiwiSaver here. And then other people have just moved their superannuation over to the KiwiSaver here just over the same one spot. But, yeah, I'm I don't know because I don't know how much, like, fees I'm gonna attribute. And if I keep it in Australia, do I have to keep contributing to my super over there?\n\nLike, I don't know what the rules and stuff around that is.\n\nChannel 0: No. Okay. Well, let's break it down. So there are some rules with regards to contributions in so far. So in 2019, the government brought out legislation that's called protect your stuff.\n\nNow, essentially,\n\nChannel 1: Mhmm.\n\nChannel 0: what that means is that if you have a policy, like an insurance policy on your super fund that that is built in as a platform policy, which yours is not. So you have a Clearview insurance policy. It's not a platform policy. It's actually a separate account that requests\n\nChannel 1: Mhmm.\n\nChannel 0: payment from your super fund.\n\nChannel 1: Yep.\n\nChannel 0: But, essentially, if you do have a platform policy, what happens is it be if your super fund is inactive for eight sixteen months, then the super fund actually has a requirement that they have to cancel the insurance policy and then initiate basically a transitionary phase where they would move the money to the ATO, and the ATO then takes that super money and allocates it to whatever active super fund you have. Now you don't fall into that category.\n\nChannel 1: Okay.\n\nChannel 0: And the reason you don't is because your super fund is not a default account. It is a specifically managed account because you have us managing it. So\n\nChannel 1: Yep.\n\nChannel 0: it's never gonna fall into the inactive status because we're constantly on the account.\n\nChannel 1: Yep.\n\nChannel 0: If you set and forget it and logged in, never touched it, then absolutely. But we're logging in and we're touching it all the time.\n\nChannel 1: Yep.\n\nChannel 0: Second to that, your insurance policy isn't a platform policy. It is as I said, it's basically, your insurance policy is actually its own super super account, the way it's\n\nChannel 1: Yes.\n\nChannel 0: structured. So\n\nChannel 1: Okay.\n\nChannel 0: what happens is you have a ClearView insurance policy and ClearView is the insurer. And what ClearView does is they set up a super fund under that that insurance policy, and that super fund basically just requests money from your hub twenty four fund. And it\n\nChannel 1: Yep.\n\nChannel 0: feeds into that that super that new super account and pays the premiums and just kind of all gets absorbed into that account. It's a little bit weird, like, explaining it this way, but from a technical point of view, it does make perfect sense, I guess, from my side. But that's kind\n\nChannel 1: Yep.\n\nChannel 0: of a it's a higher higher overarching crux of it.\n\nChannel 1: Yep.\n\nChannel 0: Now\n\nChannel 1: Yep. I know. I knew that. I knew that, like, my Hub twenty four paid my ClearView, and it was, like, a yearly renewal. And I had to\n\nChannel 0: Yeah.\n\nChannel 1: I got them each year and whatnot, which I think one just went fast, actually,\n\nChannel 0: Yes.\n\nChannel 1: for the year.\n\nChannel 0: No. Definitely. And, I mean, ultimately speaking, your Clear Insurance is is actually worldwide cover. So if anything happens to you with respect to, like, being unable to work, anything like that, you would still be protected. The one thing I would want to look into is probably the income protection side of things, purely and simply because you're not working in the Australian occupation anymore.\n\nBut I have a look into that from a back end,\n\nChannel 1: Yeah.\n\nChannel 0: like, read BDS. I can contact my BDM and just kind of get confirmation on that side. I I do have a lot of clients that do work overseas, but generally speaking, most of them are working for Australian\n\nChannel 1: Mhmm.\n\nChannel 0: companies in other countries.\n\nChannel 1: Right.\n\nChannel 0: So it's like an Australian based employer getting paid Australian dollars, all the rest of it.\n\nChannel 1: Yeah.\n\nChannel 0: I will\n\nChannel 1: Which\n\nChannel 0: have\n\nChannel 1: mine\n\nChannel 0: a look\n\nChannel 1: is\n\nChannel 0: at it.\n\nChannel 1: very much New Zealand based dollars\n\nChannel 0: Not\n\nChannel 1: in\n\nChannel 0: yeah.\n\nChannel 1: the New Zealand government.\n\nChannel 0: Yeah. I I'll have a look at the income protection policy because ultimately, you have three different components to your to your policy as a whole.\n\nChannel 1: Clearview.\n\nChannel 0: You have, like,\n\nChannel 1: Yeah.\n\nChannel 0: the yeah. To your cleavage policy. We have the TDD or the total permanent disability benefit, and then you have the income protection benefit. So income protection obviously covers your wages if you are ill or injured. TPD\n\nChannel 1: Yeah.\n\nChannel 0: is a lump\n\nChannel 1: Yep.\n\nChannel 0: sum that covers you if you're never able to work again, and then life cover\n\nChannel 1: Mhmm.\n\nChannel 0: pays out if you were to pass away or terminally ill.\n\nChannel 1: Yep.\n\nChannel 0: So each of those benefits can actually exist, like, pretty much without the other. The life and TPD are set up as a linked benefit. So\n\nChannel 1: Yep.\n\nChannel 0: life that can exist without TPD, but TPD cannot exist without life as the\n\nChannel 1: Yep.\n\nChannel 0: policy currently stands.\n\nChannel 1: Yep. So\n\nChannel 0: So\n\nChannel 1: we\n\nChannel 0: I\n\nChannel 1: just\n\nChannel 0: can\n\nChannel 1: need\n\nChannel 0: have\n\nChannel 1: to\n\nChannel 0: a look\n\nChannel 1: work out\n\nChannel 0: at\n\nChannel 1: if it's all valid for me\n\nChannel 0: yeah.\n\nChannel 1: living and working here. Because I\n\nChannel 0: Yes.\n\nChannel 1: don't mind leaving\n\nChannel 0: Basically.\n\nChannel 1: it in place if it's all valid, and then we could work out what I would have to do from there because as for my actual super, obviously,\n\nChannel 0: Yep.\n\nChannel 1: I haven't made any contribute contributions or any employer contributions since I moved here, and I've been here two months now. So that's why I was like, oh, I need to get on to my financial advisers because I'm sure they're noticing the fact there's no extra money coming into that account at the moment.\n\nChannel 0: Yeah. A little bit. No. That that's okay. There are a couple of options that I can look at.\n\nBecause Australia and New Zealand and it's been a hot minute since I've looked into it, like a decade. So I'll need to refresh my memory on how the legislation works. But because Australian and New Zealand are basically brothers.\n\nChannel 1: And this is yeah.\n\nChannel 0: Yeah.\n\nChannel 1: They've got that whole Trans Tasman agreement in that. Yep.\n\nChannel 0: Correct. So what I wanna look into is from a tax perspective, because there\n\nChannel 1: Mhmm.\n\nChannel 0: are some options we could look into if you did wanna kind of use the Superfund for a little bit of wealth generation, because that we may be able to, and it's just gonna depend on the tax side of things. We could possibly look into you doing what's called personal contribution into your super fund. And then what happens is the Australian government actually ends up paying an additional $500 into your super fund on your freely.\n\nChannel 1: Bye.\n\nChannel 0: And that's it's called a government co contribution. So I can look into that if that's sort of a structure you wanna look at to kind of use the funds to just generate some wealth that way, and it will kind of help offset some of the premiums from your from the insurance policy. But I can kind of do all that research from a back end perspective and kind of present findings to you, and we can kind of go from there.\n\nChannel 1: Yeah. And then just maybe see because I can't use my super for anything, can I? Because I'm still trying to pay off a couple of loans I've got in Australia, and I obviously don't plan on coming back, but I also don't wanna not pay off a couple of loans. So and the whole\n\nChannel 0: Yes.\n\nChannel 1: exchange rate and getting money back over to Australia from New Zealand is actually not in it.\n\nChannel 0: Yes.\n\nChannel 1: And\n\nChannel 0: Yes.\n\nChannel 1: I just wasn't sure there was anything because I, obviously, even if I was to get it transferred here to my KiwiSaver, there's still the agreement. Like, I still can't touch it till I'm 65 or a retirement age. But I just couldn't remember\n\nChannel 0: Yeah.\n\nChannel 1: if there was anything in the Australian policy, if there was anything, the fact that you don't plan on coming back. Because I have already told the ATO that I was not planning on coming back to Australia, and I submitted my final tax return.\n\nChannel 0: Yep.\n\nChannel 1: Final and complete once\n\nChannel 0: You\n\nChannel 1: to 2027. I've already sent that paper work off to them. So that will actually\n\nChannel 0: submitted\n\nChannel 1: close\n\nChannel 0: 20\n\nChannel 1: my\n\nChannel 0: you\n\nChannel 1: whole\n\nChannel 0: so you you've submitted twenty six twenty seven already as well.\n\nChannel 1: yep. Yep. Because I didn't plan on making any\n\nChannel 0: Everything.\n\nChannel 1: like, coming back and making any more money over there. And I've\n\nChannel 0: Yep.\n\nChannel 1: got, like, about 10 k or something in like, that was taxed on my my annual leave payout, but in this\n\nChannel 0: Yes.\n\nChannel 1: financially, if that makes sense. So I was like,\n\nChannel 0: Yeah.\n\nChannel 1: I might\n\nChannel 0: Yeah.\n\nChannel 1: as\n\nChannel 0: Yeah.\n\nChannel 1: well get that in my pocket to chart towards those Australian lines anyway.\n\nChannel 0: Yeah.\n\nChannel 1: But, yeah, I was the only other thing I had to sort out, obviously, was super, and I just didn't know what my options were. If I if I have to contribute, because I do contribute, it's probably gonna be a bit of a nightmare with\n\nChannel 0: Hello?\n\nChannel 1: the whole exchange Right? And not just that I make a whole lot less money here than what I did in Australia.\n\nChannel 0: Yeah.\n\nChannel 1: And\n\nChannel 0: So\n\nChannel 1: I'm also\n\nChannel 0: available\n\nChannel 1: contributing\n\nChannel 0: funds.\n\nChannel 1: to a super here.\n\nChannel 0: Option with respect to there are options with respect to transferring, like, withdrawing from super funds\n\nChannel 1: Mhmm.\n\nChannel 0: when you it's called departing it's a d a d a s p. It's departing Australia superannuation payment. There are very,\n\nChannel 1: Yeah. I\n\nChannel 0: very\n\nChannel 1: wasn't sure if I was eligible.\n\nChannel 0: specific yeah. There's really, really, really specific eligibility requirements\n\nChannel 1: Yeah.\n\nChannel 0: for\n\nChannel 1: I think\n\nChannel 0: it,\n\nChannel 1: I\n\nChannel 0: which\n\nChannel 1: had to be, like, a permanent resident of Australia, not actually a citizen, and, like, you weren't coming back and you're not actually a citizen. I think yeah. I remember looking briefly looking at it, and I was like, I don't think I'd fit that eligibility criteria. But if you know of anything in your back end when you're reading and learning about all this shit, then sure. Let me know because definitely would be helpful.\n\nChannel 0: Right. Well, it's so I guess background wise, what what what is your citizenship status?\n\nChannel 1: Well, I'm still Australian citizen, but I'm permanent resident here because of the trans Tasman agreement. So as soon as I moved here, I essentially was become a permanent resident automatically without even filling out a single piece of paper.\n\nChannel 0: Yep.\n\nChannel 1: So so I'm just working for tax purposes. I I obviously have a super old what they call KiwiSaver here and, you know, they're they don't they don't do tax like we do tax in Australia. This is something else, but it's not really you don't really get a tax return. You don't actually do a tax return here like you do. And so you don't\n\nChannel 0: In\n\nChannel 1: do deductions\n\nChannel 0: Australia.\n\nChannel 1: or anything like\n\nChannel 0: Yeah.\n\nChannel 1: like that.\n\nChannel 0: Very different\n\nChannel 1: Yeah.\n\nChannel 0: system.\n\nChannel 1: Yeah. It's\n\nChannel 0: Okay.\n\nChannel 1: really weird.\n\nChannel 0: So\n\nChannel 1: And they pay a whole lot more tax, and they make a whole lot less money. So it's real shit.\n\nChannel 0: really painful. No. That's okay. Where were you where were you born?\n\nChannel 1: Yeah.\n\nChannel 0: Okay. So born in Australia, fully Australian citizen,\n\nChannel 1: Original Australian,\n\nChannel 0: and\n\nChannel 1: actually.\n\nChannel 0: get it, girl. Me too. You know, gotta gotta get back on those convict fleets. So\n\nChannel 1: Gotta get what? Sorry. I missed that part.\n\nChannel 0: oh, for funsies, I I I I traced my heritage back to, like, the actual convict, like, the fleets that came over to Australia.\n\nChannel 1: Oh, really?\n\nChannel 0: So\n\nChannel 1: Interesting.\n\nChannel 0: yeah. Yeah. Yeah. As as\n\nChannel 1: Alright.\n\nChannel 0: OG Australian as you can kinda get, really.\n\nChannel 1: Yeah.\n\nChannel 0: So\n\nChannel 1: Well yeah. Yeah. From from,\n\nChannel 0: without\n\nChannel 1: like,\n\nChannel 0: being\n\nChannel 1: a\n\nChannel 0: a\n\nChannel 1: white\n\nChannel 0: full\n\nChannel 1: person's\n\nChannel 0: national.\n\nChannel 1: size.\n\nChannel 0: Yes. Yes.\n\nChannel 1: Yeah. Yeah. Right. That's gone far, far way back. Well, I'm not a reasonable, but it's hard to go back because, you know, of the organization.\n\nDocumentation doesn't go that far back very\n\nChannel 0: No. The documentation is is unclear. Yeah. There's small amount of Aboriginal heritage was for me, but it's so micro, it probably doesn't really count. So\n\nChannel 1: much. Yeah.\n\nChannel 0: it's always kind\n\nChannel 1: No.\n\nChannel 0: of fun, like, looking at all, like, the intricacies of, like, where heritage falls. But, anyway, sorry. Off track. So Australian citizen, born Australia, permanent resident of New Zealand,\n\nChannel 1: Yeah. No. Yep.\n\nChannel 0: and we moved over two months ago with absolutely no expectations to move back.\n\nChannel 1: No. No. I found a partner and found out I was pregnant two days ago. So definitely not\n\nChannel 0: Oh,\n\nChannel 1: moving\n\nChannel 0: congratulations.\n\nChannel 1: back. Thank you. Unexpected, clearly. Not planned very well, clearly. Now I gotta get some shit together.\n\nOh, you completely went robot and cut out there. What was that?\n\nChannel 0: Sorry. So while we're getting married in New Zealand and planning on going for citizenship?\n\nChannel 1: Oh, I haven't even thought about that. Who knows if he'll marry me maybe in one year? I don't know if I was going for citizenship. I don't actually well, I don't know. Because you can, I guess, live here as a permanent residence for for good?\n\nChannel 0: Resident.\n\nChannel 1: Like, I\n\nChannel 0: Yeah.\n\nChannel 1: I'm already working. I can buy a house and whatever else without needing it. So I don't know if I actually will.\n\nChannel 0: Cool. Alright. I'm just\n\nChannel 1: Seems like a whole lot of waste of money. And I don't really wanna lose my Australian citizenship as such. I guess I could be\n\nChannel 0: yeah. I can choose citizen.\n\nChannel 1: Jill.\n\nChannel 0: And because of how it works, like how New Zealand and Australia work, it kinda works. Okay. Cool. So unless you were to drop your citizenship yeah. The intricacies are like, even if you were even if you were to drop your citizenship from Australia, because you're in Tasmania, you're excluded from being able to take on the DASK payment.\n\nChannel 1: Yeah. New Zealand. Yep. Yep.\n\nChannel 0: Yep. So, really, the options you have so if you're really seeking to get money, the only option you have to be able to obtain money from Australia are basically limited to this too. It's financial hardship, which you're not gonna qualify for because you're working in another country on central bank benefits or compassionate grounds, which compassionate grounds are gonna fall into you're about to lose your house, your it's like someone passed away. It's along those lines. Like, it it basically,\n\nChannel 1: Which\n\nChannel 0: the\n\nChannel 1: will\n\nChannel 0: money\n\nChannel 1: be hard\n\nChannel 0: becomes\n\nChannel 1: considering\n\nChannel 0: preserved.\n\nChannel 1: I'm not even in Australia and I don't have that.\n\nChannel 0: Yeah. So it because the money is preserved, it's very specifically locked away with the intention of accessing it for retirement.\n\nChannel 1: Mhmm.\n\nChannel 0: The cool thing is is that it's 60, so you would be able to access it at 60. However, you are 31, so that's just\n\nChannel 1: Yes.\n\nChannel 0: a few years away for you. Nothing too crazy.\n\nChannel 1: Mhmm.\n\nChannel 0: Just a couple of years.\n\nChannel 1: Just just, like, my whole life over again.\n\nChannel 0: Yeah. Yeah. Just just double down on what you've already done.\n\nChannel 1: Mhmm.\n\nChannel 0: So it is it is ultimately the choice is leave the money in Australia, and, realistically, you have access to any any super fund in Australia. If you wanna leave your money in Australia, we can have a board of conversation as that looks like, whether you retain us as actively manage the managing the investment, and we can continue doing these kinds of phone calls. I'm happy to like, we can do it over WhatsApp or something like that. We can do video calls, stuff like that. So that way, it's a little bit more personable.\n\nChannel 1: Yeah. Well, we'd have to do something because I've only kept my Australian note our number open until I get this shit sorted. And then after that, I'm cutting it off and then I'll be calling my other New Zealand number or, like, yeah, like, I've worked out so it doesn't fucking because it cost me $10 per phone call every\n\nChannel 0: That's\n\nChannel 1: time\n\nChannel 0: okay.\n\nChannel 1: I call\n\nChannel 0: It's\n\nChannel 1: back\n\nChannel 0: costing\n\nChannel 1: to Australia.\n\nChannel 0: me yeah. It's costing me a heat today, so that's okay. No. That's that's absolutely understandable. WhatsApp, we have a few clients who, again, work for everybody.\n\nWe can, like, work on WhatsApp.\n\nChannel 1: Yep.\n\nChannel 0: We request that you don't try and message us on WhatsApp. You, like, email us if you need to get in contact with us and we can get to a meeting by WhatsApp or, again, like,\n\nChannel 1: Yep.\n\nChannel 0: we can Google Meet, Teams, Zoom, anything like that. That's it's nice and easy.\n\nChannel 1: Okay.\n\nChannel 0: And we can do stuff like that and again, like, I can sit down with you and we can, like, so can kind of have a look at where things fit for yourself. Even if you don't want me to kind of investigate the budgetary side of things, it could just be a good tool for you to be able to break down where your expenses sit and try and plan for the new life you're about to bring into the world and the massive changes you're going through. Just give you kind of, I guess, some perspective. And maybe sort of when things settle down, and it could be maybe in a few months or maybe twelve months after baby we can kinda loop back around and have\n\nChannel 1: Yes.\n\nChannel 0: a bit of a broader conversation about probably adding those contributions in to the fund when finances settle and you kinda get used to the norm. The alternative\n\nChannel 1: Yeah.\n\nChannel 0: is is that we do transition everything over to New\n\nChannel 1: Yeah. Yep. Okay. Well, I guess I just kinda wanna know how those insurances are gonna work if you can work that out and if it works over\n\nChannel 0: Zealand.\n\nChannel 1: here.\n\nChannel 0: Absolutely.\n\nChannel 1: Because I think that will give me some more of an idea. Do I have to contribute to my super to keep it sort of open? And if so, like, how much to sort of cover everything\n\nChannel 0: Yep.\n\nChannel 1: to still make sort of some sort of progress wealth rather than just having a whole super limit to, like, diminish with fees and charges by you guys. Preferably have you guys\n\nChannel 0: Yes.\n\nChannel 1: sort out my super rather than me have to do it otherwise I'm just gonna literally not log in and leave it there for however long and then hopefully it's fixed. Yeah. So I'm money in there when I go to free access it type of thing. So probably not a great idea. So if you can work out some some of those ideas and some of those numbers, and then, yeah, we can have another conversation about this, that would be great.\n\nChannel 0: Yeah. Cool. No. I'm more than happy to. Well, let's do this.\n\nLet's let's schedule an appointment for a couple weeks. Just give me and my power planner a little bit of time to just go into the math side of things, and I can contact the insurer\n\nChannel 1: Mhmm.\n\nChannel 0: and go from there.\n\nChannel 1: Tuesday,\n\nChannel 0: Would you be okay with, say, like, Thursday actually, can we go Tuesday the twenty second?\n\nChannel 1: the twenty second, I can do by the same sort of time, 04:30 my time, which is by 03:30 your time.\n\nChannel 0: 02:39. Yep. That suits you. I am all I'm also happy to go a little bit later for you. Say, I can do, like, 04:00 my time, which will be 6PM your time.\n\nChannel 1: Probably getting a bit too close to, and I have to get this little one to into bed. My partner is a five year old, which we currently at McDonald's playing on the playground while I have a conversation with you. He's been distracted.\n\nChannel 0: Perfection.\n\nChannel 1: Yep. And he now he's playing with the birds. No. No. We'll do we'll do 04:30 on the\n\nChannel 0: Yep.\n\nChannel 1: September 22. K?\n\nChannel 0: Yeah. Perfect. Alright. What I'll do, I\n\nChannel 1: Okay.\n\nChannel 0: will pop in a I I yeah. Pop it in my calendar now. I'll send you an invite, and\n\nChannel 1: Did\n\nChannel 0: I'll\n\nChannel 1: you\n\nChannel 0: go\n\nChannel 1: wanna\n\nChannel 0: ahead\n\nChannel 1: do\n\nChannel 0: and\n\nChannel 1: that\n\nChannel 0: do\n\nChannel 1: via what did you wanna do that via WhatsApp or via my phone?\n\nChannel 0: Do you just\n\nChannel 1: I probably\n\nChannel 0: wanna\n\nChannel 1: still\n\nChannel 0: go\n\nChannel 1: have\n\nChannel 0: do\n\nChannel 1: my phone\n\nChannel 0: you wanna\n\nChannel 1: then.\n\nChannel 0: go do you just wanna go to meets?\n\nChannel 1: I don't even know what that is.\n\nChannel 0: I mean,\n\nChannel 1: Go on.\n\nChannel 0: like so what I do is I will send you an invite. It'll be a calendar\n\nChannel 1: Yep.\n\nChannel 0: invite that will come through to your Hotmail account.\n\nChannel 1: Mhmm.\n\nChannel 0: And all you do is you just you click on the link that you receive and it'll open up. It was like Google Meet is basically, like, Zoom connected\n\nChannel 1: Or\n\nChannel 0: connected\n\nChannel 1: Teams.\n\nChannel 0: to, like, a Gmail back end. Yes. Yeah. Basically.\n\nChannel 1: Okay. I've never heard\n\nChannel 0: It's\n\nChannel 1: of Google\n\nChannel 0: just if\n\nChannel 1: Meet.\n\nChannel 0: there\n\nChannel 1: So I've used Teams,\n\nChannel 0: it\n\nChannel 1: but, yeah, I'm not Google Meet. So is that, like, an app after download or no?\n\nChannel 0: no. You don't have to download anything. It's just it's literally Google's equivalent to a video conferencing\n\nChannel 1: Right.\n\nChannel 0: software. That's all it is.\n\nChannel 1: Great. Alright.\n\nChannel 0: Nothing.\n\nChannel 1: Well, yes. If you send\n\nChannel 0: Yeah.\n\nChannel 1: me an invite for that for that day, I'll click on the link and be there for 04:30, which will be 04:30 my time and 02:30 yours.\n\nChannel 0: Yeah. Yes.\n\nChannel 1: Perfect.\n\nChannel 0: Correct. Yeah. And we can we can go through through from there. So just to recap what I'm gonna look at, I'll look at the clear your insurance, make sure that each of the benefits are gonna be able to cover you over in NZ, and if not, what restrictions we have.\n\nChannel 1: Mhmm.\n\nChannel 0: Can I when are you due for your baby?\n\nChannel 1: Oh, not till, like, May next year.\n\nChannel 0: No. Cool. That's okay. Just get it I just need to know what's in the time frame. Work wise, what kind of income are you earning in NZD dollars?\n\nThat's fine.\n\nChannel 1: Yeah. Well, at the moment, I'm earning after tax, like, 3,200 a fortnight, 3,300 in that sort of area. But it could but gross, I make probably, like, $4.5.05 grand, but the tax is, like, 35% here. So it's been crazy high.\n\nChannel 0: Yeah.\n\nChannel 1: So\n\nChannel 0: Yes.\n\nChannel 1: that's 1,200 in tax. So, yeah, I must have been about $4.5 of fortnight gross roughly. I think my salary is about\n\nChannel 0: Okay.\n\nChannel 1: 109,000 a year or something, but plus the penalty. So it's a bit more. But yeah. So that's what I'm earning at the moment. Because then when I get obviously, I have a baby\n\nChannel 0: Yep.\n\nChannel 1: and I'm definitely not earning that much. I will I won't even meet maternity maternity I probably won't even get I won't even get the maternity payment from my work because I wouldn't have been here for twelve months by the time the baby comes, which is bit frustrating. It's\n\nChannel 0: Yeah. Yeah. No.\n\nChannel 1: what\n\nChannel 0: I\n\nChannel 1: it\n\nChannel 0: know\n\nChannel 1: is.\n\nChannel 0: that\n\nChannel 1: And then I'll restrict that right back down to $700 a week, I will\n\nChannel 0: one.\n\nChannel 1: get.\n\nChannel 0: Woo.\n\nChannel 1: For six months.\n\nChannel 0: Winning.\n\nChannel 1: And that's all I'll get. And then\n\nChannel 0: Yeah.\n\nChannel 1: I'll have to go back to work after six months, which is just not fantastic.\n\nChannel 0: No. Not fantastic. Look. With my last, I was back at work after fourteen weeks, so I've got three myself.\n\nChannel 1: Rough. This is my first baby, so I'm very nervous and very stressed out. I'm very worried about money. My partner, I'm very worried about money.\n\nChannel 0: Yeah. No. You you do. And don't like, what I'll do is I'm I'll send you the budget so you and your partner can sit down and just have a look at it. It it'll give you some perspective to be able to break things down.\n\nAnd it's\n\nChannel 1: Mhmm.\n\nChannel 0: just something maybe you guys internally. It might be to be able to open up a conversation about where maybe some of the discretionary spending is going. I sit down with my husband. I've I've been married for ten years. I sit down with my husband, like, once a quarter to every six months, and we we relook at our budget.\n\nChannel 1: Oh, yeah.\n\nChannel 0: And it's\n\nChannel 1: My\n\nChannel 0: just\n\nChannel 1: budget\n\nChannel 0: it's a it's\n\nChannel 1: I have\n\nChannel 0: a point\n\nChannel 1: it\n\nChannel 0: in time.\n\nChannel 1: in a I have it in an Excel spreadsheet. I know exactly where every dollar is. I've got a budget for everything that's due in a year. Like, I mean, I put, like, a dollar 80 for registration each year each week or, you know, the bill registration,\n\nChannel 0: Yep.\n\nChannel 1: doctor's appointments, you know, all insurances. Yeah. But it all adds up.\n\nChannel 0: It does. Okay. So you're pretty covered budget wise, which is good. Okay.\n\nChannel 1: Yeah. Yeah. I'm I'm\n\nChannel 0: Alright.\n\nChannel 1: totally\n\nChannel 0: Well, I\n\nChannel 1: onto\n\nChannel 0: won't\n\nChannel 1: my budget, but it makes it difficult where I still have two loans over in Australia because you had the conversion base as well as the Australian dollars cost. Costly convert, like,\n\nChannel 0: Yeah.\n\nChannel 1: the conversion base and then the cost actually transferred over there phase wise into that account into my Commonwealth account is, I think, I think, like, $250 a month in just conversion fees and fees to get it over there on top of the actual bills.\n\nChannel 0: Loan.\n\nChannel 1: Yeah. Which is\n\nChannel 0: Can I\n\nChannel 1: not\n\nChannel 0: ask\n\nChannel 1: fun.\n\nChannel 0: what how much how much are the loans?\n\nChannel 1: I've got, like, I think\n\nChannel 0: Like,\n\nChannel 1: it's probably, like, $2.5 left on a CommBank personal loan, which is not much, which I hopefully pay that off with my final tax when I get it. And then my other loan was, like, a consolidation loan that I got a few years back. And last I looked at it, I think that was, like, $12 still owing on it when I looked at it in, like,\n\nChannel 0: Yep.\n\nChannel 1: April. But that one, I'm just\n\nChannel 0: Yep.\n\nChannel 1: paying back the minimum, so it's obviously not paying down as quick. But the bank loan, if you get rid of quicker anyway, because that one charges me a whole lot more than what their ventilation does.\n\nChannel 0: Yeah. Have you, perchance, like, spoken to a, like, a broker in New Zealand to look at getting a loan in New Zealand to then pay the Australian loan out? That way, you don't have to do the conversion rate every payment cycle.\n\nChannel 1: I never actually thought about that. No. I'm just being sort of paying it.\n\nChannel 0: Yeah. Because, like, $250 every month or fortnight is a lot criminal, actually.\n\nChannel 1: Yeah. For, like, conversion. Because, like, I think the bank loan is 544 a month, and then the consolidation is, like, $3.77 a month plus the conversion. And I think I'm putting away, like, $700 a fortnight to cover those. It's at 1,400 a month or something I'm paying,\n\nChannel 0: Yeah.\n\nChannel 1: which is which\n\nChannel 0: Well,\n\nChannel 1: is,\n\nChannel 0: yeah,\n\nChannel 1: like,\n\nChannel 0: plus conversion.\n\nChannel 1: the minimum\n\nChannel 0: Yeah.\n\nChannel 1: on those loans.\n\nChannel 0: Yeah. Okay. So you're not you're\n\nChannel 1: But I'm\n\nChannel 0: not you're\n\nChannel 1: hoping\n\nChannel 0: not that\n\nChannel 1: to get\n\nChannel 0: you're\n\nChannel 1: rid\n\nChannel 0: getting\n\nChannel 1: of some\n\nChannel 0: ahead,\n\nChannel 1: of\n\nChannel 0: but\n\nChannel 1: them.\n\nChannel 0: it's hurting.\n\nChannel 1: Yeah.\n\nChannel 0: And you said your tax return will be about $10? Because you\n\nChannel 1: I did like, I did, like I worked it out through ChartDVT and everything, and I put all the paperwork in. And, yeah, about I should just get, like, $10,040 or something because it was, like, $13 or something I got tax withheld. But because I sit under the\n\nChannel 0: Yep.\n\nChannel 1: threshold, but then there's I don't know. There's, like, a pro router on, you know, what's, like, whatever else. Anyway, I worked it all out. There'll be there's, like, yeah, about $10 should be coming. So I'll pay off the bank loan first because that's obviously got the high interest, and then I'll pay the rest of that onto the other loan, which probably dropped me down.\n\nI'll probably have maybe $3.03, $4 left on that, and then I'll that's, I guess, a less of the loan to pay off. And I guess if funds can be feasible, try and make some high payments on that and get rid of that as soon as possible, but we'll see.\n\nChannel 0: I mean, if if that's what you end up getting back, mathematically speaking, you would then be able to reallocate the funds that you were paying to the bank loan plus, obviously, the money that you were allocating to the consolidation loan. Within maybe two, two and a half months worth of\n\nChannel 1: Have it\n\nChannel 0: payments,\n\nChannel 1: all paid off.\n\nChannel 0: that consolidation loan should be gone after the tax\n\nChannel 1: Yeah. That's\n\nChannel 0: return\n\nChannel 1: my\n\nChannel 0: knocks\n\nChannel 1: idea.\n\nChannel 0: it.\n\nChannel 1: I was like, if I pay though that bank loan off and then, like, the conversion rate that I'm saving on it, then hopefully, with a couple of payments, I should, like, do double payments type of thing or triple payments, whatever I can do, make some high payments and try and get rid\n\nChannel 0: Yes.\n\nChannel 1: of that loan. That's my idea, but gotta waste the money to come in.\n\nChannel 0: What like, just just I'm just a bit bored, and it's not it's not advice. I wanna be really, really clear, but it's just a thought process\n\nChannel 1: Mhmm.\n\nChannel 0: is rather than take all of the money and pay off the con like, the consolidation loan, oddly, like, paying off the bank didn't make sense because you you can get rid of that knocking off knock it knocking on the head and not have to deal with that one anymore.\n\nChannel 1: Mhmm.\n\nChannel 0: But the consolidation loan, depending on the interest rate, it could work out that if you kept your money in New Zealand, create, like, a like, have a savings account or have a have a little pocket where you pop that money, put a two, two and a half months worth of money in that, like, in that account or in that wherever you need to put it, and then just do the one transfer over. That way, you have the one transfer fee. Obviously, the conversion cost from NZ to AUD is still gonna hit you no matter where, but at least when\n\nChannel 1: Mhmm.\n\nChannel 0: the one they convert the money rather than doing two and a half months worth, like, two and a half payment or three payments over to Australia. And\n\nChannel 1: Oh,\n\nChannel 0: you can\n\nChannel 1: well, and\n\nChannel 0: just\n\nChannel 1: then just call\n\nChannel 0: in\n\nChannel 1: the\n\nChannel 0: the meantime,\n\nChannel 1: loan people and be like, hey. Can you just hold my payments for, like, couple\n\nChannel 0: we can like, you could just truly feed the loan from, like, your com Commonwealth Bank account in Australia with some money that's connected on your loan. Or do a lump sum payment, call them, and say, hey. Look. I'm paying $10. Can you pause my payment for x amount of time?\n\nChannel 1: Yes.\n\nChannel 0: What is that gonna do for interest? Am I gonna be hit with interest? How does that work? And have that conversation with them to\n\nChannel 1: Yep.\n\nChannel 0: see whether that amount because without knowing and like, without knowing how the actual loan is broken down, I can't have that, you know, which one's gonna work out well because it could like, depending on the loan, it could be interest because generally, loans are you have a loan an an interest rate and interest interest is calculated daily and then obviously charged monthly.\n\nChannel 1: Yep.\n\nChannel 0: Some loans aren't like that. But depending on what the consolidated loan is actually set up with, you may just say, like, the loan was, say, $15. The life of the loan was x number of time. We're gonna put the interest that we calculate onto that loan, and, basically, the loan goes from 15 to 25. And you have to pay off $25 irrespective of when you pay it off.\n\nIt just depends on how the loan was actually set up. So it's a conversation you have to have with them to kind of break down where the loan is and then kinda work out to the money onto the loan, pay it off, and then ask them to hold payments because they've had a lump sum that basically covers off x number of, you know, month worth of payments. And then make sure that they're gonna charge fees or early break costs or anyone that has that conversation openly with them. And then\n\nChannel 1: Yeah.\n\nChannel 0: once\n\nChannel 1: Well,\n\nChannel 0: you accumulate\n\nChannel 1: I'm looking\n\nChannel 0: the money in New Zealand, pop it over.\n\nChannel 1: I'm looking at the loan now. So it was a it was I think the yeah. The initial loan amount was this time $19 with a fixed interest rate of 16.42% per annum, and the loan term was eighty four months. And that's all it says. There was an establishment fee,\n\nChannel 0: Okay.\n\nChannel 1: a lending assistance fee. So in total, it was $18.80\n\nChannel 0: Yep.\n\nChannel 1: 4, but\n\nChannel 0: Yep.\n\nChannel 1: I think I got 7p. Yeah. And it's just a monthly frequency, and I don't think I get a fee for paying it out if I pay it out. I think I had,\n\nChannel 0: Ready.\n\nChannel 1: like, a year or something. If you make it you're gonna have a loan. Yeah. I think I could pay it early, but it couldn't be within the first year, which is well and truly over, if I remember correctly.\n\nChannel 0: Yep. Okay. That doesn't sound too too bad then. So, realistically, it's probably just a a a phone call with someone going, hey. Look.\n\nI have blah left on the account. I've moved to New Zealand. Would like, what would happen if I paid blah amount of money, like, you know, $10\n\nChannel 1: Mhmm.\n\nChannel 0: Yep. Off the loan? Would you guys pause the repayment for three months? Do you still calculate interest at the higher rate, or is it just interest on the loan amount remaining? Do\n\nChannel 1: Yeah.\n\nChannel 0: I\n\nChannel 1: Because\n\nChannel 0: am I gonna\n\nChannel 1: I'd\n\nChannel 0: get,\n\nChannel 1: be\n\nChannel 0: like,\n\nChannel 1: curious.\n\nChannel 0: any late\n\nChannel 1: Yeah.\n\nChannel 0: fees, anything like that?\n\nChannel 1: Yeah. Yeah. Because I am curious\n\nChannel 0: Because, obviously\n\nChannel 1: to know if it's per annum, like, if that's the daily fee rate or if it's based on the amount of the loan remaining. Because if you paid if I was to pay extra each month with my fees, if my interest rate's less or if it was actually fixed fixed. So it doesn't matter if I paid it off more than I needed. It's just it's a fixed rate. I'm not actually sure about that.\n\nChannel 0: Yeah. So so it it's worth a phone call to\n\nChannel 1: Yeah.\n\nChannel 0: them to\n\nChannel 1: Yeah.\n\nChannel 0: kind\n\nChannel 1: I can\n\nChannel 0: of try\n\nChannel 1: give you\n\nChannel 0: and\n\nChannel 1: some.\n\nChannel 0: pick it down and\n\nChannel 1: Mhmm.\n\nChannel 0: and just have the conversation with them. Because the the biggest thing is is, generally speaking, with these types of loans, you can sort of pay off a lump sum amount. Generally speaking, this like, some clients do this with Carbone before is where they'll pull up some amount and then the basically, the lender will hold that money and just transact each month's payment out of that money to,\n\nChannel 1: Yeah.\n\nChannel 0: like, give\n\nChannel 1: Yeah.\n\nChannel 0: the client\n\nChannel 1: So\n\nChannel 0: a reprieve\n\nChannel 1: you can, like,\n\nChannel 0: because\n\nChannel 1: pause\n\nChannel 0: something's happening.\n\nChannel 1: it. Yeah. Yeah. You can pause, Like, if you pay six months in front type of thing, they'll pause it for, like, six months with no interest, no fees, no nothing like that. Yeah.\n\nI've I've\n\nChannel 0: Correct.\n\nChannel 1: I've and family family member of mine did that was, like I had been paying in front for a long time, ended up being, like, 3,000 in front and then missed, you know, like, six weeks of payments or whatnot, but, like, never defaulted because it was always, like, $3 like, had $3 in front in the first place.\n\nChannel 0: Yeah. Correct.\n\nChannel 1: So, yeah,\n\nChannel 0: Yeah.\n\nChannel 1: some\n\nChannel 0: So\n\nChannel 1: of\n\nChannel 0: it\n\nChannel 1: them work\n\nChannel 0: could\n\nChannel 1: like\n\nChannel 0: function\n\nChannel 1: that. But\n\nChannel 0: that\n\nChannel 1: I'll\n\nChannel 0: way.\n\nChannel 1: definitely yeah. I'll\n\nChannel 0: Yeah.\n\nChannel 1: give them a call. And, look, I can just tell them, like, my situation. Sometimes they'll you know, it's not an advantage or the fact that I'm already saying it. So probably just happy that I'm still paying one because I'm sure there's many people that just get the country and was, like, fuck the loan and never going back anyway. So at least I'm trying to get the them their money still.\n\nChannel 0: Yep. Yes. Downside is is because Australia and New Zealand siblings, they will chase you in New Zealand. So eventually, it'll\n\nChannel 1: Well\n\nChannel 0: catch up. I I wouldn't try and dodge it.\n\nChannel 1: no. I wasn't never planning on it\n\nChannel 0: You're\n\nChannel 1: because\n\nChannel 0: doing\n\nChannel 1: you\n\nChannel 0: the\n\nChannel 1: just\n\nChannel 0: right thing.\n\nChannel 1: never know. I'm just also not a dodgy\n\nChannel 0: Yeah.\n\nChannel 1: person, but I no. You just never know. I might end up, like, in Australia one day, but no. I didn't I didn't wanna do the the dodgy anyway. And I know yeah.\n\nAnd I guess I have forwarded on my address details to the ATM stuff, so that'll be able to find me.\n\nChannel 0: Yes. Yeah. They will. Alright. Well,\n\nChannel 1: Anyway.\n\nChannel 0: from my side, what I'll do is I will go and start running all the information. So I'll have a look at, I guess, some things we can do to your super fund to, like, increase the performance, have a look at the fees, get that broken down for you, have a look at the insurance policy, obviously, and see where that fits. The I see only, I guess, discussion point we haven't really put down and had a look at is whether, like, if the money's, like the money is obviously staying in Australia in a conversation, but whether you want Oakview as a financial firm to continue servicing the actual account.\n\nChannel 1: Yeah. That or yeah. Well, even if I am gonna keep it there, like, am I or how much will I need to contribute, and is it gonna be feasible, and how much the fees are gonna be for you to keep doing it?\n\nChannel 0: Yeah.\n\nChannel 1: Am I gonna make wealth on it at all? So or am I better off just pulling it over to a KiwiSaver and having it on one? I'm not sure yet. So if you can just give me some information, I'll be\n\nChannel 0: Yeah.\n\nChannel 1: able to make a better decision come next conversation.\n\nChannel 0: Yeah. Perfect. What I'll do\n\nChannel 1: Perfect.\n\nChannel 0: in the meantime is I'm gonna send you, I guess, a review pack, and it has, like, a breakdown of where, like, your funds sit\n\nChannel 1: Come\n\nChannel 0: today,\n\nChannel 1: on, shoot on\n\nChannel 0: performance\n\nChannel 1: Auggie. We're going.\n\nChannel 0: report\n\nChannel 1: Mhmm.\n\nChannel 0: performance report, your insurance certificate of currency. It does have Oakview's ongoing service agreement in it. I\n\nChannel 1: Okay.\n\nChannel 0: I wanna send it to you so that way, a, you have the information and look over it.\n\nChannel 1: I\n\nChannel 0: You\n\nChannel 1: don't\n\nChannel 0: are able\n\nChannel 1: Yep.\n\nChannel 0: to authorize it, sign it, and,\n\nChannel 1: Because\n\nChannel 0: like,\n\nChannel 1: I need a\n\nChannel 0: send\n\nChannel 1: friend.\n\nChannel 0: it back to me. I can email the ongoing service\n\nChannel 1: We're\n\nChannel 0: agreement.\n\nChannel 1: gonna\n\nChannel 0: And\n\nChannel 1: get\n\nChannel 0: then\n\nChannel 1: all\n\nChannel 0: if\n\nChannel 1: wet.\n\nChannel 0: you make the determination in at next conversation that you do wanna see Oakview\n\nChannel 1: We're gonna\n\nChannel 0: services,\n\nChannel 1: get all wet\n\nChannel 0: then\n\nChannel 1: gas\n\nChannel 0: I can\n\nChannel 1: stations.\n\nChannel 0: terminate that agreement. That's not, like, an issue,\n\nChannel 1: Basically, we're gonna\n\nChannel 0: and\n\nChannel 1: get\n\nChannel 0: we\n\nChannel 1: all\n\nChannel 0: can\n\nChannel 1: wet.\n\nChannel 0: kind of\n\nChannel 1: Okay.\n\nChannel 0: go from that conversation there. So I'll send that to you now, and when you get home and do all the things with with Little One there, We can kinda come back and talk about it in two weeks.\n\nChannel 1: Perfect. Sounds good. I will talk to you soon.\n\nChannel 0: Perfect. Alright. Looking forward to it. You have a good one.\n\nChannel 1: Thanks. You too, doll. Bye now.\n\nChannel 0: Bye. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.68,"end":2.1799998,"sentiment":"neutral","sentiment_score":0.03145531192421913}],"sentiment":"neutral","sentiment_score":0.03145531192421913,"channel":1,"num_words":1,"start":1.68,"end":2.1799998},{"sentences":[{"text":"Hi.","start":3.52,"end":4.0,"sentiment":"neutral","sentiment_score":0.1009160578250885},{"text":"Jason Larissa from OC Financial.","start":4.0,"end":6.08,"sentiment":"neutral","sentiment_score":0.15539574027061462},{"text":"How are you going?","start":6.08,"end":6.98,"sentiment":"neutral","sentiment_score":0.17302264273166656}],"sentiment":"neutral","sentiment_score":0.15699853301048278,"channel":0,"num_words":10,"start":3.52,"end":6.98},{"sentences":[{"text":"Good.","start":7.2,"end":7.52,"sentiment":"positive","sentiment_score":0.5362777709960938},{"text":"Thanks.","start":7.52,"end":7.9199996,"sentiment":"positive","sentiment_score":0.5468116402626038},{"text":"So how are you?","start":7.9199996,"end":8.9,"sentiment":"neutral","sentiment_score":0.3027908056974411}],"sentiment":"positive","sentiment_score":0.38237543900807697,"channel":1,"num_words":6,"start":7.2,"end":8.9},{"sentences":[{"text":"Yeah.","start":9.44,"end":9.84,"sentiment":"neutral","sentiment_score":0.3127191960811615},{"text":"Really good.","start":9.84,"end":10.559999,"sentiment":"positive","sentiment_score":0.5935504734516144},{"text":"Thank you.","start":10.559999,"end":11.38,"sentiment":"positive","sentiment_score":0.52479587495327},{"text":"Sorry.","start":11.599999,"end":11.84,"sentiment":"neutral","sentiment_score":-0.029415171593427655},{"text":"I'm a couple minutes late.","start":11.84,"end":12.915,"sentiment":"neutral","sentiment_score":-0.10466754138469696}],"sentiment":"neutral","sentiment_score":0.18151445585218343,"channel":0,"num_words":11,"start":9.44,"end":12.915},{"sentences":[{"text":"Time ran","start":13.635,"end":14.115,"sentiment":"neutral","sentiment_score":-0.03538734186440706}],"sentiment":"neutral","sentiment_score":-0.03538734186440706,"channel":0,"num_words":2,"start":13.635,"end":14.115},{"sentences":[{"text":"Okay.","start":13.955001,"end":14.155001,"sentiment":"neutral","sentiment_score":-0.03032859787344933}],"sentiment":"neutral","sentiment_score":-0.03032859787344933,"channel":1,"num_words":1,"start":13.955001,"end":14.155001},{"sentences":[{"text":"away,","start":14.115,"end":14.275,"sentiment":"neutral","sentiment_score":-0.021844258531928062}],"sentiment":"neutral","sentiment_score":-0.021844258531928062,"channel":0,"num_words":1,"start":14.115,"end":14.275},{"sentences":[{"text":"I","start":14.155001,"end":14.3550005,"sentiment":"neutral","sentiment_score":0.012063533067703249}],"sentiment":"neutral","sentiment_score":0.012063533067703249,"channel":1,"num_words":1,"start":14.155001,"end":14.3550005},{"sentences":[{"text":"and I","start":14.275,"end":14.381666,"sentiment":"neutral","sentiment_score":0.014603331685066223}],"sentiment":"neutral","sentiment_score":0.014603331685066223,"channel":0,"num_words":2,"start":14.275,"end":14.381666},{"sentences":[{"text":"was","start":14.3550005,"end":14.595,"sentiment":"neutral","sentiment_score":0.06693485379219055}],"sentiment":"neutral","sentiment_score":0.06693485379219055,"channel":1,"num_words":1,"start":14.3550005,"end":14.595},{"sentences":[{"text":"got good.","start":14.381666,"end":14.934999,"sentiment":"neutral","sentiment_score":0.034516943618655205}],"sentiment":"neutral","sentiment_score":0.034516943618655205,"channel":0,"num_words":2,"start":14.381666,"end":14.934999},{"sentences":[{"text":"like, I'm not one.","start":14.595,"end":15.815001,"sentiment":"neutral","sentiment_score":-0.16393770277500153},{"text":"Oh, that's","start":17.075,"end":17.635,"sentiment":"neutral","sentiment_score":-0.0311459107324481}],"sentiment":"neutral","sentiment_score":-0.11967377209415038,"channel":1,"num_words":6,"start":14.595,"end":17.635},{"sentences":[{"text":"Yeah.","start":17.475,"end":17.715,"sentiment":"neutral","sentiment_score":0.02487318217754364}],"sentiment":"neutral","sentiment_score":0.02487318217754364,"channel":0,"num_words":1,"start":17.475,"end":17.715},{"sentences":[{"text":"okay.","start":17.635,"end":17.955,"sentiment":"neutral","sentiment_score":0.0405186228454113}],"sentiment":"neutral","sentiment_score":0.0405186228454113,"channel":1,"num_words":1,"start":17.635,"end":17.955},{"sentences":[{"text":"I looked","start":17.715,"end":18.035,"sentiment":"neutral","sentiment_score":-0.034571265801787376}],"sentiment":"neutral","sentiment_score":-0.034571265801787376,"channel":0,"num_words":2,"start":17.715,"end":18.035},{"sentences":[{"text":"I","start":17.955,"end":18.115,"sentiment":"neutral","sentiment_score":-0.04467346891760826}],"sentiment":"neutral","sentiment_score":-0.04467346891760826,"channel":1,"num_words":1,"start":17.955,"end":18.115},{"sentences":[{"text":"around","start":18.035,"end":18.275,"sentiment":"neutral","sentiment_score":-0.05982734635472298}],"sentiment":"neutral","sentiment_score":-0.05982734635472298,"channel":0,"num_words":1,"start":18.035,"end":18.275},{"sentences":[{"text":"was","start":18.115,"end":18.275002,"sentiment":"neutral","sentiment_score":-0.03666471317410469}],"sentiment":"neutral","sentiment_score":-0.03666471317410469,"channel":1,"num_words":1,"start":18.115,"end":18.275002},{"sentences":[{"text":"and","start":18.275,"end":18.355,"sentiment":"neutral","sentiment_score":-0.05046061426401138}],"sentiment":"neutral","sentiment_score":-0.05046061426401138,"channel":0,"num_words":1,"start":18.275,"end":18.355},{"sentences":[{"text":"wondering","start":18.275002,"end":18.675,"sentiment":"neutral","sentiment_score":-0.06649039685726166}],"sentiment":"neutral","sentiment_score":-0.06649039685726166,"channel":1,"num_words":1,"start":18.275002,"end":18.675},{"sentences":[{"text":"I was like,","start":18.355,"end":18.915,"sentiment":"neutral","sentiment_score":-0.06446094314257304}],"sentiment":"neutral","sentiment_score":-0.06446094314257304,"channel":0,"num_words":3,"start":18.355,"end":18.915},{"sentences":[{"text":"if you","start":18.675,"end":19.155,"sentiment":"neutral","sentiment_score":-0.10799725726246834}],"sentiment":"neutral","sentiment_score":-0.10799725726246834,"channel":1,"num_words":2,"start":18.675,"end":19.155},{"sentences":[{"text":"oh, no.","start":18.915,"end":19.575,"sentiment":"neutral","sentiment_score":-0.11439675092697142}],"sentiment":"neutral","sentiment_score":-0.11439675092697142,"channel":0,"num_words":2,"start":18.915,"end":19.575},{"sentences":[{"text":"you forgot me.","start":19.155,"end":20.215,"sentiment":"neutral","sentiment_score":-0.14542211095492044}],"sentiment":"neutral","sentiment_score":-0.14542211095492044,"channel":1,"num_words":3,"start":19.155,"end":20.215},{"sentences":[{"text":"No.","start":20.915,"end":21.235,"sentiment":"neutral","sentiment_score":-0.1773844063282013},{"text":"Not at all.","start":21.235,"end":22.215,"sentiment":"neutral","sentiment_score":-0.13383928934733072},{"text":"Just the time just is when we're having fun.","start":22.355,"end":24.375,"sentiment":"neutral","sentiment_score":0.03885083066092597}],"sentiment":"neutral","sentiment_score":-0.01763421526321998,"channel":0,"num_words":13,"start":20.915,"end":24.375},{"sentences":[{"text":"Yeah.","start":25.235,"end":25.735,"sentiment":"neutral","sentiment_score":0.19300329685211184},{"text":"I'm good, Alden.","start":25.795,"end":26.855,"sentiment":"positive","sentiment_score":0.3667813738187154}],"sentiment":"neutral","sentiment_score":0.3233368545770645,"channel":1,"num_words":4,"start":25.235,"end":26.855},{"sentences":[{"text":"Now before we jump into it, I do need to let you know our calls are recorded.","start":27.320002,"end":30.2,"sentiment":"neutral","sentiment_score":0.025667527800097185},{"text":"And if it's okay, can I just get you complete security for me?","start":30.2,"end":32.760002,"sentiment":"neutral","sentiment_score":0.05598853070002336},{"text":"Just full name, date of birth, and address that I would have on file.","start":32.760002,"end":35.58,"sentiment":"neutral","sentiment_score":0.045954050230128426}],"sentiment":"neutral","sentiment_score":0.041080808520994404,"channel":0,"num_words":44,"start":27.320002,"end":35.58},{"sentences":[{"text":"Yeah.","start":36.25,"end":36.41,"sentiment":"neutral","sentiment_score":0.03783772513270378},{"text":"Jason Lee Young, 05/27/1995, and 19 Raleigh Street, Deception Bay, 45","start":36.41,"end":43.755,"sentiment":"neutral","sentiment_score":0.057475457306612625}],"sentiment":"neutral","sentiment_score":0.055838979625453554,"channel":1,"num_words":12,"start":36.25,"end":43.755},{"sentences":[{"text":"Amazing.","start":44.935,"end":45.435,"sentiment":"positive","sentiment_score":0.3909444212913513},{"text":"Perfect.","start":45.495,"end":45.995,"sentiment":"positive","sentiment_score":0.42275679111480713}],"sentiment":"positive","sentiment_score":0.4068506062030792,"channel":0,"num_words":2,"start":44.935,"end":45.995},{"sentences":[{"text":"08.","start":46.765,"end":47.515,"sentiment":"neutral","sentiment_score":0.06345163285732269}],"sentiment":"neutral","sentiment_score":0.06345163285732269,"channel":1,"num_words":1,"start":46.765,"end":47.515},{"sentences":[{"text":"Okay.","start":47.495,"end":47.895,"sentiment":"neutral","sentiment_score":0.055204227566719055},{"text":"So my team has let me know that you have moved over to New Zealand,","start":47.895,"end":53.114998,"sentiment":"neutral","sentiment_score":0.02631746083498001}],"sentiment":"neutral","sentiment_score":0.0281228837557137,"channel":0,"num_words":16,"start":47.495,"end":53.114998},{"sentences":[{"text":"Yes.","start":54.055,"end":54.555,"sentiment":"neutral","sentiment_score":-0.011554090306162834}],"sentiment":"neutral","sentiment_score":-0.011554090306162834,"channel":1,"num_words":1,"start":54.055,"end":54.555},{"sentences":[{"text":"and we're not in Australia anymore.","start":55.79,"end":58.370003,"sentiment":"neutral","sentiment_score":-0.10781652356187503},{"text":"I guess, first and foremost, I have a couple of questions.","start":58.75,"end":61.33,"sentiment":"neutral","sentiment_score":-0.06321480192921379},{"text":"Are we intending on returning to Australia anytime?","start":63.550003,"end":67.25,"sentiment":"neutral","sentiment_score":-0.04690590687096119}],"sentiment":"neutral","sentiment_score":-0.06870036870241165,"channel":0,"num_words":25,"start":55.79,"end":67.25},{"sentences":[{"text":"Mhmm.","start":67.799995,"end":68.299995,"sentiment":"neutral","sentiment_score":-0.05917179584503174},{"text":"No.","start":68.6,"end":68.92,"sentiment":"neutral","sentiment_score":-0.20779061317443848},{"text":"I don't don't intend to return to Australia.","start":68.92,"end":72.015,"sentiment":"neutral","sentiment_score":-0.18605540692806244},{"text":"No.","start":72.015,"end":72.515,"sentiment":"neutral","sentiment_score":-0.15946708619594574}],"sentiment":"neutral","sentiment_score":-0.17407934096726504,"channel":1,"num_words":11,"start":67.799995,"end":72.515},{"sentences":[{"text":"No.","start":73.045,"end":73.285,"sentiment":"neutral","sentiment_score":-0.1615956425666809},{"text":"That's","start":73.285,"end":73.605,"sentiment":"neutral","sentiment_score":-0.11891497671604156}],"sentiment":"neutral","sentiment_score":-0.14025530964136124,"channel":0,"num_words":2,"start":73.045,"end":73.605},{"sentences":[{"text":"No.","start":73.454994,"end":73.774994,"sentiment":"neutral","sentiment_score":-0.22751909494400024}],"sentiment":"neutral","sentiment_score":-0.22751909494400024,"channel":1,"num_words":1,"start":73.454994,"end":73.774994},{"sentences":[{"text":"okay.","start":73.605,"end":74.105,"sentiment":"neutral","sentiment_score":-0.13935479521751404}],"sentiment":"neutral","sentiment_score":-0.13935479521751404,"channel":0,"num_words":1,"start":73.605,"end":74.105},{"sentences":[{"text":"No.","start":73.774994,"end":73.854996,"sentiment":"neutral","sentiment_score":-0.19309061765670776},{"text":"That's okay.","start":73.854996,"end":74.674995,"sentiment":"neutral","sentiment_score":-0.11359328776597977}],"sentiment":"neutral","sentiment_score":-0.14009239772955576,"channel":1,"num_words":3,"start":73.774994,"end":74.674995},{"sentences":[{"text":"I guess, realistically, with with regards to, like, your your fund, your account, and everything over here, there are choices you have available to you, and we can definitely put them all down and and go through them.","start":75.765,"end":88.48,"sentiment":"neutral","sentiment_score":0.02049590186461022},{"text":"But before we start breaking them down and overloading with information, is or have you deliberated or considered what you wanna do with your super funds over here in Australia, your insurance policy over here in Australia, and, like, I guess, any other assets?","start":88.94,"end":105.024994,"sentiment":"neutral","sentiment_score":-0.05466451690616933}],"sentiment":"neutral","sentiment_score":-0.019834078939222708,"channel":0,"num_words":82,"start":75.765,"end":105.024994},{"sentences":[{"text":"Well, I just I don't think the insurance and stuff is valid anymore.","start":105.995,"end":109.375,"sentiment":"negative","sentiment_score":-0.3558449023045026},{"text":"I'll have to sort of think about insurance.","start":110.475006,"end":114.54,"sentiment":"neutral","sentiment_score":-0.31651265919208527},{"text":"So, like, health insurance and stuff like that, job protection insurance or the PCR.","start":114.6,"end":119.340004,"sentiment":"neutral","sentiment_score":-0.09584498618330274},{"text":"I started a KiwiSaver over here, which is obviously the version of sort of, like, evaluation.","start":121.56,"end":126.14,"sentiment":"neutral","sentiment_score":-0.01686123409308493}],"sentiment":"neutral","sentiment_score":-0.1719547952068787,"channel":1,"num_words":51,"start":105.995,"end":126.14},{"sentences":[{"text":"Yep.","start":127.185,"end":127.685,"sentiment":"neutral","sentiment_score":0.005506911780685186}],"sentiment":"neutral","sentiment_score":0.005506911780685186,"channel":0,"num_words":1,"start":127.185,"end":127.685},{"sentences":[{"text":"I looked into that, and I don't know.","start":128.655,"end":131.855,"sentiment":"neutral","sentiment_score":-0.08853981411084533},{"text":"People say you should just leave your superannuation in Australia because the returns are still better than the returns you get from KiwiSaver here.","start":131.855,"end":139.44,"sentiment":"positive","sentiment_score":0.3459657995651166},{"text":"And then other people have just moved their superannuation over to the KiwiSaver here just over the same one spot.","start":139.92,"end":146.5,"sentiment":"neutral","sentiment_score":0.11533592753112316},{"text":"But, yeah, I'm I don't know because I don't know how much, like, fees I'm gonna attribute.","start":148.0,"end":153.12,"sentiment":"neutral","sentiment_score":-0.17929958157679615},{"text":"And if I keep it in Australia, do I have to keep contributing to my super over there?","start":153.12,"end":157.85501,"sentiment":"neutral","sentiment_score":-0.16070393265949356}],"sentiment":"neutral","sentiment_score":0.04552661554738023,"channel":1,"num_words":87,"start":128.655,"end":157.85501},{"sentences":[{"text":"Like, I don't know what the rules and stuff around that is.","start":157.99501,"end":160.655,"sentiment":"neutral","sentiment_score":-0.22612336774667105}],"sentiment":"neutral","sentiment_score":-0.22612336774667105,"channel":1,"num_words":12,"start":157.99501,"end":160.655},{"sentences":[{"text":"No.","start":161.615,"end":161.935,"sentiment":"neutral","sentiment_score":-0.10647974908351898},{"text":"Okay.","start":161.935,"end":162.255,"sentiment":"neutral","sentiment_score":-0.04655073583126068},{"text":"Well, let's break it down.","start":162.255,"end":163.395,"sentiment":"neutral","sentiment_score":0.009724254347383976},{"text":"So there are some rules with regards to contributions in so far.","start":163.77501,"end":169.76,"sentiment":"neutral","sentiment_score":0.021415374396989744},{"text":"So in 2019, the government brought out legislation that's called protect your 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again.","start":1056.91,"end":1059.73,"sentiment":"neutral","sentiment_score":-0.15067729353904724}],"sentiment":"neutral","sentiment_score":-0.15067729353904724,"channel":1,"num_words":8,"start":1056.91,"end":1059.73},{"sentences":[{"text":"Yeah.","start":1060.9901,"end":1061.31,"sentiment":"neutral","sentiment_score":-0.02153097279369831},{"text":"Yeah.","start":1061.31,"end":1061.63,"sentiment":"neutral","sentiment_score":-0.01869415119290352},{"text":"Just just double down on what you've already 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calls.","start":1076.715,"end":1088.54,"sentiment":"neutral","sentiment_score":0.31546164155006406},{"text":"I'm happy to like, we can do it over WhatsApp or something like that.","start":1088.92,"end":1091.24,"sentiment":"positive","sentiment_score":0.6774728000164032},{"text":"We can do video calls, stuff like that.","start":1091.24,"end":1092.76,"sentiment":"positive","sentiment_score":0.5308509320020676},{"text":"So that way, it's a little bit more personable.","start":1092.76,"end":1094.62,"sentiment":"positive","sentiment_score":0.5510752664672004}],"sentiment":"positive","sentiment_score":0.40690830242388026,"channel":0,"num_words":97,"start":1065.995,"end":1094.62},{"sentences":[{"text":"Yeah.","start":1096.245,"end":1096.5651,"sentiment":"neutral","sentiment_score":0.10569142550230026},{"text":"Well, we'd have to do something because I've only kept my Australian note our number open until I get this shit sorted.","start":1096.5651,"end":1101.8451,"sentiment":"neutral","sentiment_score":-0.05830218304287304},{"text":"And then after that, I'm cutting it off and then I'll be calling my other New Zealand number or, like, yeah, like, I've worked out so it doesn't fucking because it cost me $10 per phone call every","start":1101.8451,"end":1113.42,"sentiment":"neutral","sentiment_score":-0.13415751988558391}],"sentiment":"neutral","sentiment_score":-0.10286790749332944,"channel":1,"num_words":61,"start":1096.245,"end":1113.42},{"sentences":[{"text":"That's","start":1113.41,"end":1113.57,"sentiment":"neutral","sentiment_score":-0.20377936959266665}],"sentiment":"neutral","sentiment_score":-0.20377936959266665,"channel":0,"num_words":1,"start":1113.41,"end":1113.57},{"sentences":[{"text":"time","start":1113.42,"end":1113.58,"sentiment":"neutral","sentiment_score":-0.17543800175189972}],"sentiment":"neutral","sentiment_score":-0.17543800175189972,"channel":1,"num_words":1,"start":1113.42,"end":1113.58},{"sentences":[{"text":"okay.","start":1113.57,"end":1113.8099,"sentiment":"neutral","sentiment_score":-0.07091620564460754}],"sentiment":"neutral","sentiment_score":-0.07091620564460754,"channel":0,"num_words":1,"start":1113.57,"end":1113.8099},{"sentences":[{"text":"I 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meets?","start":1348.0449,"end":1350.785,"sentiment":"neutral","sentiment_score":-0.005747937015257776}],"sentiment":"neutral","sentiment_score":-0.005747937015257776,"channel":0,"num_words":8,"start":1348.0449,"end":1350.785},{"sentences":[{"text":"I don't even know what that is.","start":1351.815,"end":1353.1749,"sentiment":"neutral","sentiment_score":-0.20006715187004634}],"sentiment":"neutral","sentiment_score":-0.20006715187004634,"channel":1,"num_words":7,"start":1351.815,"end":1353.1749},{"sentences":[{"text":"I mean,","start":1353.005,"end":1353.485,"sentiment":"neutral","sentiment_score":-0.04854707606136799}],"sentiment":"neutral","sentiment_score":-0.04854707606136799,"channel":0,"num_words":2,"start":1353.005,"end":1353.485},{"sentences":[{"text":"Go 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it.","start":1630.595,"end":1639.875,"sentiment":"neutral","sentiment_score":-0.1698054652661085},{"text":"And then my other loan was, like, a consolidation loan that I got a few years back.","start":1639.875,"end":1645.98,"sentiment":"neutral","sentiment_score":-0.07441210264668745},{"text":"And last I looked at it, I think that was, like, $12 still owing on it when I looked at it in, like,","start":1645.98,"end":1652.16,"sentiment":"neutral","sentiment_score":-0.07674483809134235}],"sentiment":"neutral","sentiment_score":-0.11448073600802351,"channel":1,"num_words":68,"start":1630.595,"end":1652.16},{"sentences":[{"text":"Yep.","start":1652.3251,"end":1652.8251,"sentiment":"neutral","sentiment_score":-0.04591425508260727}],"sentiment":"neutral","sentiment_score":-0.04591425508260727,"channel":0,"num_words":1,"start":1652.3251,"end":1652.8251},{"sentences":[{"text":"April.","start":1653.26,"end":1653.76,"sentiment":"neutral","sentiment_score":-0.03882410377264023},{"text":"But that one, I'm just","start":1654.38,"end":1655.26,"sentiment":"neutral","sentiment_score":-0.13385958671569825}],"sentiment":"neutral","sentiment_score":-0.11802033955852191,"channel":1,"num_words":6,"start":1653.26,"end":1655.26},{"sentences":[{"text":"Yep.","start":1655.2051,"end":1655.7051,"sentiment":"neutral","sentiment_score":-0.1134106144309044}],"sentiment":"neutral","sentiment_score":-0.1134106144309044,"channel":0,"num_words":1,"start":1655.2051,"end":1655.7051},{"sentences":[{"text":"paying back the minimum, so it's obviously not paying down as quick.","start":1655.26,"end":1659.235,"sentiment":"neutral","sentiment_score":-0.2266660357515017},{"text":"But the bank loan, if you get rid of quicker anyway, because that one charges me a whole lot more than what their ventilation 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now.","start":2395.71,"end":2396.45,"sentiment":"positive","sentiment_score":0.42445044219493866}],"sentiment":"positive","sentiment_score":0.6140160411596298,"channel":1,"num_words":6,"start":2394.51,"end":2396.45},{"sentences":[{"text":"Bye.","start":2397.055,"end":2397.555,"sentiment":"neutral","sentiment_score":0.26742517948150635},{"text":"Bye.","start":2397.6948,"end":2398.1948,"sentiment":"neutral","sentiment_score":-0.07995597273111343}],"sentiment":"neutral","sentiment_score":0.09373460337519646,"channel":0,"num_words":2,"start":2397.055,"end":2398.1948}]},"summary":{"result":"success","short":"A representative from OC Financial discusses their financial options and insurance policy with Jason Larissa, noting their super funds are no longer valid and regulations for contributions in Australia. They also discuss the income protection policy and personal contributions to the super fund. The speaker suggests looking into tax and government co contributions to generate wealth and emphasizes the importance of tax compliance and government co contributing to wealth. They also discuss their financial situation, including their annual leave payout and tax payments, and suggest scheduling appointments for a meeting via WhatsApp. The speaker advises the customer to avoid paying off a consolidation loan and consolidate funds into a new loan to reduce fees and potentially pay off loans. They also discuss the interest rate on a loan and the possibility of paying off loans early. The agent will review the customer's information and provide a review pack."},"intents":{"segments":[{"text":"And then what happens is the Australian government actually ends up paying an additional $500 into your super fund on your freely. Bye. And that's it's called a government co contribution. So I can look into that if that's sort of a structure you wanna look at to kind of use the funds to just generate some wealth that way, and it will kind of help offset some of the premiums from your from the insurance policy.","start_word":1444,"end_word":1520,"intents":[{"intent":"Evaluate super fund structure","confidence_score":0.029038563}]},{"text":"If I if I have to contribute, because I do contribute, it's probably gonna be a bit of a nightmare with Hello?","start_word":1852,"end_word":1873,"intents":[{"intent":"Clarify contribution options","confidence_score":0.062209684}]},{"text":"If you wanna leave your money in Australia, we can have a board of conversation as that looks like, whether you retain us as actively manage the managing the investment, and we can continue doing these kinds of phone calls.","start_word":2879,"end_word":2918,"intents":[{"intent":"Start conversations","confidence_score":0.0009971752}]},{"text":"Let's let's schedule an appointment for a couple weeks. Just give me and my power planner a little bit of time to just go into the math side of things, and I can contact the insurer Mhmm. and go from there.","start_word":3473,"end_word":3513,"intents":[{"intent":"Schedule appointment","confidence_score":0.66862196}]},{"text":"We'll do we'll do 04:30 on the Yep. September 22.","start_word":3641,"end_word":3650,"intents":[{"intent":"Schedule meeting","confidence_score":0.615453}]},{"text":"So just to recap what I'm gonna look at, I'll look at the clear your insurance, make sure that each of the benefits are gonna be able to cover you over in NZ, and if not, what restrictions we have. Mhmm.","start_word":3911,"end_word":3951,"intents":[{"intent":"Recap insurance","confidence_score":0.12083205}]},{"text":"Can I when are you due for your baby? Oh, not till, like, May next year. No. Cool. That's okay. Just get it I just need to know what's in the time frame.","start_word":3951,"end_word":3983,"intents":[{"intent":"Clarify time frame","confidence_score":0.0013526503}]},{"text":"Work wise, what kind of income are you earning in NZD dollars?","start_word":3984,"end_word":3995,"intents":[{"intent":"Understand costs and income","confidence_score":0.000017646511},{"intent":"Discuss income","confidence_score":0.028940283}]},{"text":"I will I won't even meet maternity maternity I probably won't even get I won't even get the maternity payment from my work because I wouldn't have been here for twelve months by the time the baby comes, which is bit frustrating. It's Yeah.","start_word":4108,"end_word":4151,"intents":[{"intent":"Discuss maternity payment restrictions","confidence_score":0.026156569}]},{"text":"This is my first baby, so I'm very nervous and very stressed out. I'm very worried about money. My partner, I'm very worried about money. Yeah. No.","start_word":4225,"end_word":4251,"intents":[{"intent":"Discuss financial concerns","confidence_score":0.34323823}]},{"text":"And don't like, what I'll do is I'm I'll send you the budget so you and your partner can sit down and just have a look at it. It it'll give you some perspective to be able to break things down. And it's Mhmm. just something maybe you guys internally. It might be to be able to open up a conversation about where maybe some of the discretionary spending is going.","start_word":4255,"end_word":4325,"intents":[{"intent":"Analyze budgets","confidence_score":0.0027148111}]},{"text":"But the consolidation loan, depending on the interest rate, it could work out that if you kept your money in New Zealand, create, like, a like, have a savings account or have a have a little pocket where you pop that money, put a two, two and a half months worth of money in that, like, in that account or in that wherever you need to put it, and then just do the one transfer over.","start_word":5242,"end_word":5317,"intents":[{"intent":"Discuss loan options","confidence_score":0.31622046}]},{"text":"So it's a conversation you have to have with them to kind of break down where the loan is and then kinda work out to the money onto the loan, pay it off, and then ask them to hold payments because they've had a lump sum that basically covers off x number of, you know, month worth of payments. And then make sure that they're gonna charge fees or early break costs or anyone that has that conversation openly with them.","start_word":5630,"end_word":5710,"intents":[{"intent":"Make loan payment arrangements","confidence_score":0.000105167965}]},{"text":"Because I am curious Because, obviously to know if it's per annum, like, if that's the daily fee rate or if it's based on the amount of the loan remaining.","start_word":5974,"end_word":6003,"intents":[{"intent":"Inquire about fee rates","confidence_score":0.031604663},{"intent":"Discuss loan terms","confidence_score":0.0076638414},{"intent":"Discuss payment options","confidence_score":0.116498835}]}]},"sentiments":{"segments":[{"text":"Hello? Hi. Jason Larissa from OC Financial. How are you going?","start_word":0,"end_word":10,"sentiment":"neutral","sentiment_score":0.1393996775150299},{"text":"Good. Thanks.","start_word":11,"end_word":12,"sentiment":"positive","sentiment_score":0.5415446758270264},{"text":"So how are you? Yeah.","start_word":13,"end_word":17,"sentiment":"neutral","sentiment_score":0.30672165751457214},{"text":"Really good. Thank you.","start_word":18,"end_word":21,"sentiment":"positive","sentiment_score":0.5496407747268677},{"text":"Sorry. I'm a couple minutes late. Time ran Okay. away, I and I was got good. like, I'm not one. Oh, that's Yeah. okay. I looked I around was and wondering I was like, if oh, you no. you forgot me. No. Not at all. Just the time just is when we're having fun. Yeah.","start_word":22,"end_word":76,"sentiment":"neutral","sentiment_score":-0.048956166952848434},{"text":"I'm good, Alden.","start_word":77,"end_word":79,"sentiment":"positive","sentiment_score":0.3683336973190307},{"text":"Now before we jump into it, I do need to let you know our calls are recorded. And if it's okay, can I just get you complete security for me? Just full name, date of birth, and address that I would have on file. Yeah. Jason Lee Young, 05/27/1995, and 19 Raleigh Street, Deception Bay, 45 Amazing.","start_word":80,"end_word":136,"sentiment":"neutral","sentiment_score":0.05368242412805557},{"text":"Perfect.","start_word":137,"end_word":137,"sentiment":"positive","sentiment_score":0.42275679111480713},{"text":"08. Okay. So my team has let me know that you have moved over to New Zealand, Yes. and we're not in Australia anymore. I guess, first and foremost, I have a couple of questions. Are we intending on returning to Australia anytime? Mhmm. No. I don't don't intend to return to Australia. No. No. That's No. okay. No. That's okay. I guess, realistically, with with regards to, like, your your fund, your account, and everything over here, there are choices you have available to you, and we can definitely put them all down and and go through them. But before we start breaking them down and overloading with information, is or have you deliberated or considered what you wanna do with your super funds over here in Australia, your insurance policy over here in Australia, and, like, I guess, any other assets?","start_word":138,"end_word":280,"sentiment":"neutral","sentiment_score":-0.05030563846230507},{"text":"Well, I just I don't think the insurance and stuff is valid anymore.","start_word":281,"end_word":293,"sentiment":"negative","sentiment_score":-0.34609875082969666},{"text":"I'll have to sort of think about insurance. So, like, health insurance and stuff like that, job protection insurance or the PCR. I started a KiwiSaver over here, which is obviously the version of sort of, like, evaluation. Yep. I looked into that, and I don't know.","start_word":294,"end_word":340,"sentiment":"neutral","sentiment_score":-0.09859206527471542},{"text":"People say you should just leave your superannuation in Australia because the returns are still better than the returns you get from KiwiSaver here.","start_word":341,"end_word":364,"sentiment":"positive","sentiment_score":0.3373582065105438},{"text":"And then other people have just moved their superannuation over to the KiwiSaver here just over the same one spot. But, yeah, I'm I don't know because I don't know how much, like, fees I'm gonna attribute. And if I keep it in Australia, do I have to keep contributing to my super over there? Like, I don't know what the rules and stuff around that is. No. Okay. Well, let's break it down. So there are some rules with regards to contributions in so far. So in 2019, the government brought out legislation that's called protect your stuff. Now, essentially, Mhmm. what that means is that if you have a policy, like an insurance policy on your super fund that that is built in as a platform policy, which yours is not. So you have a Clearview insurance policy. It's not a platform policy. It's actually a separate account that requests Mhmm. payment from your super fund. Yep. But, essentially, if you do have a platform policy, what happens is it be if your super fund is inactive for eight sixteen months, then the super fund actually has a requirement that they have to cancel the insurance policy and then initiate basically a transitionary phase where they would move the money to the ATO, and the ATO then takes that super money and allocates it to whatever active super fund you have. Now you don't fall into that category. Okay. And the reason you don't is because your super fund is not a default account. It is a specifically managed account because you have us managing it. So Yep. it's never gonna fall into the inactive status because we're constantly on the account. Yep. If you set and forget it and logged in, never touched it, then absolutely. But we're logging in and we're touching it all the time. Yep. Second to that, your insurance policy isn't a platform policy. It is as I said, it's basically, your insurance policy is actually its own super super account, the way it's Yes. structured. So Okay. what happens is you have a ClearView insurance policy and ClearView is the insurer. And what ClearView does is they set up a super fund under that that insurance policy, and that super fund basically just requests money from your hub twenty four fund. And it Yep. feeds into that that super that new super account and pays the premiums and just kind of all gets absorbed into that account. It's a little bit weird, like, explaining it this way, but from a technical point of view, it does make perfect sense, I guess, from my side. But that's kind Yep. of a it's a higher higher overarching crux of it. Yep. Now Yep. I know. I knew that. I knew that, like, my Hub twenty four paid my ClearView, and it was, like, a yearly renewal. And I had to Yeah. I got them each year and whatnot, which I think one just went fast, actually, Yes. for the year. No. Definitely. And, I mean, ultimately speaking, your Clear Insurance is is actually worldwide cover. So if anything happens to you with respect to, like, being unable to work, anything like that, you would still be protected. The one thing I would want to look into is probably the income protection side of things, purely and simply because you're not working in the Australian occupation anymore. But I have a look into that from a back end, Yeah. like, read BDS. I can contact my BDM and just kind of get confirmation on that side. I I do have a lot of clients that do work overseas, but generally speaking, most of them are working for Australian Mhmm. companies in other countries. Right. So it's like an Australian based employer getting paid Australian dollars, all the rest of it. Yeah. I will Which have mine a look is at it. very much New Zealand based dollars Not in yeah. the New Zealand government. Yeah. I I'll have a look at the income protection policy because ultimately, you have three different components to your to your policy as a whole. Clearview. You have, like, Yeah. the yeah. To your cleavage policy. We have the TDD or the total permanent disability benefit, and then you have the income protection benefit. So income protection obviously covers your wages if you are ill or injured. TPD Yeah. is a lump Yep. sum that covers you if you're never able to work again, and then life cover Mhmm. pays out if you were to pass away or terminally ill. Yep. So each of those benefits can actually exist, like, pretty much without the other. The life and TPD are set up as a linked benefit. So Yep. life that can exist without TPD, but TPD cannot exist without life as the Yep. policy currently stands. Yep. So So we I just can need have to a look work out at if it's all valid for me yeah. living and working here. Because I Yes. don't mind leaving Basically. it in place if it's all valid, and then we could work out what I would have to do from there because as for my actual super, obviously, Yep. I haven't made any contribute contributions or any employer contributions since I moved here, and I've been here two months now. So that's why I was like, oh, I need to get on to my financial advisers because I'm sure they're noticing the fact there's no extra money coming into that account at the moment. Yeah. A little bit. No. That that's okay. There are a couple of options that I can look at. Because Australia and New Zealand and it's been a hot minute since I've looked into it, like a decade. So I'll need to refresh my memory on how the legislation works. But because Australian and New Zealand are basically brothers. And this is yeah. Yeah. They've got that whole Trans Tasman agreement in that. Yep. Correct. So what I wanna look into is from a tax perspective, because there Mhmm. are some options we could look into if you did wanna kind of use the Superfund for a little bit of wealth generation, because that we may be able to, and it's just gonna depend on the tax side of things. We could possibly look into you doing what's called personal contribution into your super fund. And then what happens is the Australian government actually ends up paying an additional $500 into your super fund on your freely. Bye. And that's it's called a government co contribution.","start_word":365,"end_word":1473,"sentiment":"neutral","sentiment_score":0.02625090254317865},{"text":"So I can look into that if that's sort of a structure you wanna look at to kind of use the funds to just generate some wealth that way, and it will kind of help offset some of the premiums from your from the insurance policy.","start_word":1474,"end_word":1519,"sentiment":"positive","sentiment_score":0.41652849316596985},{"text":"But I can kind of do all that research from a back end perspective and kind of present findings to you, and we can kind of go from there. Yeah. And then just maybe see because I can't use my super for anything, can I?","start_word":1520,"end_word":1564,"sentiment":"neutral","sentiment_score":0.12421127408742905},{"text":"Because I'm still trying to pay off a couple of loans I've got in Australia, and I obviously don't plan on coming back, but I also don't wanna not pay off a couple of loans.","start_word":1565,"end_word":1599,"sentiment":"negative","sentiment_score":-0.3872528076171875},{"text":"So and the whole Yes. exchange rate and getting money back over to Australia from New Zealand is actually not in it. Yes. And Yes. I just wasn't sure there was anything because I, obviously, even if I was to get it transferred here to my KiwiSaver, there's still the agreement. Like, I still can't touch it till I'm 65 or a retirement age. But I just couldn't remember Yeah.","start_word":1600,"end_word":1669,"sentiment":"neutral","sentiment_score":-0.16102106869220734},{"text":"if there was anything in the Australian policy, if there was anything, the fact that you don't plan on coming back.","start_word":1670,"end_word":1690,"sentiment":"negative","sentiment_score":-0.3518148362636566},{"text":"Because I have already told the ATO that I was not planning on coming back to Australia, and I submitted my final tax return. Yep. Final and complete once You to 2027. I've already sent that paper work off to them. So that will actually submitted close 20 my you whole so you you've submitted twenty six twenty seven already as well. yep. Yep. Because I didn't plan on making any Everything. like, coming back and making any more money over there. And I've Yep. got, like, about 10 k or something in like, that was taxed on my my annual leave payout, but in this Yes. financially, if that makes sense. So I was like, Yeah. I might Yeah. as Yeah. well get that in my pocket to chart towards those Australian lines anyway. Yeah. But, yeah, I was the only other thing I had to sort out, obviously, was super, and I just didn't know what my options were.","start_word":1691,"end_word":1851,"sentiment":"neutral","sentiment_score":-0.05568283500138277},{"text":"If I if I have to contribute, because I do contribute, it's probably gonna be a bit of a nightmare with Hello?","start_word":1852,"end_word":1873,"sentiment":"negative","sentiment_score":-0.35860657691955566},{"text":"the whole exchange Right? And not just that I make a whole lot less money here than what I did in Australia. Yeah. And So I'm also available contributing funds. to a super here. Option with respect to there are options with respect to transferring, like, withdrawing from super funds Mhmm. when you it's called departing it's a d a d a s p. It's departing Australia superannuation payment. There are very, Yeah. I very wasn't sure if I was eligible. specific yeah. There's really, really, really specific eligibility requirements Yeah. for I think it, I which had to be, like, a permanent resident of Australia, not actually a citizen, and, like, you weren't coming back and you're not actually a citizen. I think yeah. I remember looking briefly looking at it, and I was like, I don't think I'd fit that eligibility criteria. But if you know of anything in your back end when you're reading and learning about all this shit, then sure. Let me know because definitely would be helpful. Right. Well, it's so I guess background wise, what what what is your citizenship status? Well, I'm still Australian citizen, but I'm permanent resident here because of the trans Tasman agreement. So as soon as I moved here, I essentially was become a permanent resident automatically without even filling out a single piece of paper. Yep. So so I'm just working for tax purposes. I I obviously have a super old what they call KiwiSaver here and, you know, they're they don't they don't do tax like we do tax in Australia. This is something else, but it's not really you don't really get a tax return. You don't actually do a tax return here like you do. And so you don't In do deductions Australia. or anything like Yeah. like that. Very different Yeah. system. Yeah. It's Okay.","start_word":1874,"end_word":2185,"sentiment":"neutral","sentiment_score":-0.10949824081781584},{"text":"really weird. So And they pay a whole lot more tax, and they make a whole lot less money. So it's real shit. really painful.","start_word":2186,"end_word":2210,"sentiment":"negative","sentiment_score":-0.6415238976478577},{"text":"No. That's okay. Where were you where were you born? Yeah. Okay. So born in Australia, fully Australian citizen, Original Australian, and actually. get it, girl. Me too. You know, gotta gotta get back on those convict fleets. So Gotta get what? Sorry. I missed that part. oh, for funsies, I I I I traced my heritage back to, like, the actual convict, like, the fleets that came over to Australia. Oh, really? So Interesting. yeah. Yeah. Yeah. As as Alright. OG Australian as you can kinda get, really. Yeah. So Well yeah. Yeah. From from, without like, being a a white full person's national. size. Yes. Yes. Yeah. Yeah. Right. That's gone far, far way back. Well, I'm not a reasonable, but it's hard to go back because, you know, of the organization. Documentation doesn't go that far back very No. The documentation is is unclear. Yeah. There's small amount of Aboriginal heritage was for me, but it's so micro, it probably doesn't really count. So much. Yeah. it's always kind No. of fun, like, looking at all, like, the intricacies of, like, where heritage falls. But, anyway, sorry. Off track. So Australian citizen, born Australia, permanent resident of New Zealand, Yeah. No. and Yep. we moved over two months ago with absolutely no expectations to move back. No. No. I found a partner and found out I was pregnant two days ago. So definitely not Oh, moving congratulations. back. Thank you. Unexpected, clearly.","start_word":2211,"end_word":2455,"sentiment":"neutral","sentiment_score":-0.0843072310090065},{"text":"Not planned very well, clearly. Now I gotta get some shit together.","start_word":2456,"end_word":2467,"sentiment":"negative","sentiment_score":-0.47391045093536377},{"text":"Oh, you completely went robot and cut out there. What was that? Sorry. So while we're getting married in New Zealand and planning on going for citizenship? Oh, I haven't even thought about that. Who knows if he'll marry me maybe in one year? I don't know if I was going for citizenship. I don't actually well, I don't know. Because you can, I guess, live here as a permanent residence for for good? Resident. Like, I Yeah. I'm already working. I can buy a house and whatever else without needing it. So I don't know if I actually will. Cool. Alright.","start_word":2468,"end_word":2569,"sentiment":"neutral","sentiment_score":-0.15184486905733743},{"text":"I'm just Seems like a whole lot of waste of money. And I don't really wanna lose my Australian citizenship as such.","start_word":2570,"end_word":2591,"sentiment":"negative","sentiment_score":-0.5058016180992126},{"text":"I guess I could be yeah. I can choose citizen. Jill. And because of how it works, like how New Zealand and Australia work, it kinda works. Okay. Cool. So unless you were to drop your citizenship yeah. The intricacies are like, even if you were even if you were to drop your citizenship from Australia, because you're in Tasmania, you're excluded from being able to take on the DASK payment. Yeah. New Zealand. Yep. Yep. Yep. So, really, the options you have so if you're really seeking to get money, the only option you have to be able to obtain money from Australia are basically limited to this too.","start_word":2592,"end_word":2701,"sentiment":"neutral","sentiment_score":-0.07566040009260178},{"text":"It's financial hardship, which you're not gonna qualify for because you're working in another country on central bank benefits or compassionate grounds, which compassionate grounds are gonna fall into you're about to lose your house, your it's like someone passed away.","start_word":2702,"end_word":2742,"sentiment":"negative","sentiment_score":-0.3715875744819641},{"text":"It's along those lines. Like, it it basically, Which the will money be hard becomes considering preserved.","start_word":2743,"end_word":2759,"sentiment":"neutral","sentiment_score":-0.2376822680234909},{"text":"I'm not even in Australia and I don't have that.","start_word":2760,"end_word":2769,"sentiment":"negative","sentiment_score":-0.3418329358100891},{"text":"Yeah. So it because the money is preserved, it's very specifically locked away with the intention of accessing it for retirement. Mhmm. The cool thing is is that it's 60, so you would be able to access it at 60. However, you are 31, so that's just Yes. a few years away for you. Nothing too crazy. Mhmm. Just a couple of years. Just just, like, my whole life over again. Yeah. Yeah. Just just double down on what you've already done. Mhmm. So it is it is ultimately the choice is leave the money in Australia, and, realistically, you have access to any any super fund in Australia. If you wanna leave your money in Australia, we can have a board of conversation as that looks like, whether you retain us as actively manage the managing the investment, and we can continue doing these kinds of phone calls.","start_word":2770,"end_word":2918,"sentiment":"neutral","sentiment_score":0.07981467041993301},{"text":"I'm happy to like, we can do it over WhatsApp or something like that. We can do video calls, stuff like that. So that way, it's a little bit more personable.","start_word":2919,"end_word":2949,"sentiment":"positive","sentiment_score":0.6096943616867065},{"text":"Yeah. Well, we'd have to do something because I've only kept my Australian note our number open until I get this shit sorted. And then after that, I'm cutting it off and then I'll be calling my other New Zealand number or, like, yeah, like, I've worked out so it doesn't fucking because it cost me $10 per phone call every That's time okay. I call It's back costing to Australia. me yeah.","start_word":2950,"end_word":3022,"sentiment":"neutral","sentiment_score":-0.10921203345060349},{"text":"It's costing me a heat today, so that's okay.","start_word":3023,"end_word":3031,"sentiment":"negative","sentiment_score":-0.3708842098712921},{"text":"No. That's that's absolutely understandable. WhatsApp, we have a few clients who, again, work for everybody. We can, like, work on WhatsApp. Yep. We request that you don't try and message us on WhatsApp. You, like, email us if you need to get in contact with us and we can get to a meeting by WhatsApp or, again, like, Yep. we can Google Meet, Teams, Zoom, anything like that.","start_word":3032,"end_word":3100,"sentiment":"neutral","sentiment_score":0.11623960733413696},{"text":"That's it's nice and easy. Okay. And we can do stuff like that and again, like, I can sit down with you and we can, like, so can kind of have a look at where things fit for yourself. Even if you don't want me to kind of investigate the budgetary side of things, it could just be a good tool for you to be able to break down where your expenses sit and try and plan for the new life you're about to bring into the world and the massive changes you're going through.","start_word":3101,"end_word":3195,"sentiment":"positive","sentiment_score":0.4268638789653778},{"text":"Just give you kind of, I guess, some perspective. And maybe sort of when things settle down, and it could be maybe in a few months or maybe twelve months after baby we can kinda loop back around and have Yes. a bit of a broader conversation about probably adding those contributions in to the fund when finances settle and you kinda get used to the norm. The alternative Yeah. is is that we do transition everything over to New Yeah. Yep. Okay. Well, I guess I just kinda wanna know how those insurances are gonna work if you can work that out and if it works over Zealand. here.","start_word":3196,"end_word":3305,"sentiment":"neutral","sentiment_score":0.09710468927567656},{"text":"Absolutely. Because I think that will give me some more of an idea.","start_word":3306,"end_word":3318,"sentiment":"positive","sentiment_score":0.4654989540576935},{"text":"Do I have to contribute to my super to keep it sort of open? And if so, like, how much to sort of cover everything Yep. to still make sort of some sort of progress wealth rather than just having a whole super limit to, like, diminish with fees and charges by you guys. Preferably have you guys Yes. sort out my super rather than me have to do it otherwise I'm just gonna literally not log in and leave it there for however long and then hopefully it's fixed. Yeah. So I'm money in there when I go to free access it type of thing. So probably not a great idea.","start_word":3319,"end_word":3430,"sentiment":"neutral","sentiment_score":0.12662437558174133},{"text":"So if you can work out some some of those ideas and some of those numbers, and then, yeah, we can have another conversation about this, that would be great. Yeah. Cool.","start_word":3431,"end_word":3462,"sentiment":"positive","sentiment_score":0.35773682594299316},{"text":"No.","start_word":3463,"end_word":3463,"sentiment":"neutral","sentiment_score":0.21900546550750732},{"text":"I'm more than happy to.","start_word":3464,"end_word":3468,"sentiment":"positive","sentiment_score":0.4479394853115082},{"text":"Well, let's do this. Let's let's schedule an appointment for a couple weeks. Just give me and my power planner a little bit of time to just go into the math side of things, and I can contact the insurer Mhmm. and go from there. Tuesday, Would you be okay with, say, like, Thursday actually, can we go Tuesday the twenty second? the twenty second, I can do by the same sort of time, 04:30 my time, which is by 03:30 your time. 02:39. Yep. That suits you. I am all I'm also happy to go a little bit later for you. Say, I can do, like, 04:00 my time, which will be 6PM your time. Probably getting a bit too close to, and I have to get this little one to into bed. My partner is a five year old, which we currently at McDonald's playing on the playground while I have a conversation with you. He's been distracted.","start_word":3469,"end_word":3628,"sentiment":"neutral","sentiment_score":0.07170177400112152},{"text":"Perfection.","start_word":3629,"end_word":3629,"sentiment":"positive","sentiment_score":0.5221707224845886},{"text":"Yep. And he now he's playing with the birds. No. No. We'll do we'll do 04:30 on the Yep. September 22. K? Yeah.","start_word":3630,"end_word":3652,"sentiment":"neutral","sentiment_score":0.06338720768690109},{"text":"Perfect.","start_word":3653,"end_word":3653,"sentiment":"positive","sentiment_score":0.43486371636390686},{"text":"Alright. What I'll do, I Okay. will pop in a I I yeah. Pop it in my calendar now. I'll send you an invite, and I'll Did you go wanna ahead do and that do via what did you wanna do that via WhatsApp or via my phone? Do you just I probably wanna still go have do my phone you wanna then. go do you just wanna go to meets? I don't even know what that is. I mean, Go on. like so what I do is I will send you an invite. It'll be a calendar Yep. invite that will come through to your Hotmail account. Mhmm. And all you do is you just you click on the link that you receive and it'll open up. It was like Google Meet is basically, like, Zoom connected Or connected Teams. to, like, a Gmail back end. Yes. Yeah. Basically. Okay. I've never heard It's of Google just if Meet. there So I've used Teams, it but, yeah, I'm not Google Meet. So is that, like, an app after download or no? no. You don't have to download anything. It's just it's literally Google's equivalent to a video conferencing software. Right. That's all it is.","start_word":3654,"end_word":3858,"sentiment":"neutral","sentiment_score":0.04927455261349678},{"text":"Great.","start_word":3859,"end_word":3859,"sentiment":"positive","sentiment_score":0.5671306848526001},{"text":"Alright. Nothing. Well, yes. If you send Yeah. me an invite for that for that day, I'll click on the link and be there for 04:30, which will be 04:30 my time and 02:30 yours. Yeah. Yes.","start_word":3860,"end_word":3896,"sentiment":"neutral","sentiment_score":0.11610182374715804},{"text":"Perfect. Correct.","start_word":3897,"end_word":3898,"sentiment":"positive","sentiment_score":0.456946313381195},{"text":"Yeah. And we can we can go through through from there. So just to recap what I'm gonna look at, I'll look at the clear your insurance, make sure that each of the benefits are gonna be able to cover you over in NZ, and if not, what restrictions we have. Mhmm. Can I when are you due for your baby? Oh, not till, like, May next year. No. Cool. That's okay. Just get it I just need to know what's in the time frame. Work wise, what kind of income are you earning in NZD dollars? That's fine. Yeah. Well, at the moment, I'm earning after tax, like, 3,200 a fortnight, 3,300 in that sort of area. But it could but gross, I make probably, like, $4.5.05 grand, but the tax is, like, 35% here. So it's been crazy high. Yeah. So Yes. that's 1,200 in tax. So, yeah, I must have been about $4.5 of fortnight gross roughly. I think my salary is about Okay. 109,000 a year or something, but plus the penalty. So it's a bit more. But yeah. So that's what I'm earning at the moment. Because then when I get obviously, I have a baby Yep.","start_word":3899,"end_word":4100,"sentiment":"neutral","sentiment_score":-0.01708453979416944},{"text":"and I'm definitely not earning that much. I will I won't even meet maternity maternity I probably won't even get I won't even get the maternity payment from my work because I wouldn't have been here for twelve months by the time the baby comes, which is bit frustrating.","start_word":4101,"end_word":4149,"sentiment":"negative","sentiment_score":-0.4824948310852051},{"text":"It's Yeah. Yeah. No. what I it know is. that And then I'll restrict that right back down to $700 a week, I will one. get. Woo. For six months. Winning. And that's all I'll get. And then Yeah.","start_word":4150,"end_word":4188,"sentiment":"neutral","sentiment_score":-0.09980680793523788},{"text":"I'll have to go back to work after six months, which is just not fantastic. No. Not fantastic.","start_word":4189,"end_word":4206,"sentiment":"negative","sentiment_score":-0.4043309688568115},{"text":"Look. With my last, I was back at work after fourteen weeks, so I've got three myself.","start_word":4207,"end_word":4223,"sentiment":"neutral","sentiment_score":-0.23110023140907288},{"text":"Rough. This is my first baby, so I'm very nervous and very stressed out. I'm very worried about money. My partner, I'm very worried about money.","start_word":4224,"end_word":4249,"sentiment":"negative","sentiment_score":-0.5042903423309326},{"text":"Yeah. No. You you do. And don't like, what I'll do is I'm I'll send you the budget so you and your partner can sit down and just have a look at it. It it'll give you some perspective to be able to break things down. And it's Mhmm. just something maybe you guys internally. It might be to be able to open up a conversation about where maybe some of the discretionary spending is going. I sit down with my husband. I've I've been married for ten years. I sit down with my husband, like, once a quarter to every six months, and we we relook at our budget. Oh, yeah. And it's My just budget it's a it's I have a point it in time. in a I have it in an Excel spreadsheet. I know exactly where every dollar is. I've got a budget for everything that's due in a year. Like, I mean, I put, like, a dollar 80 for registration each year each week or, you know, the bill registration, Yep. doctor's appointments, you know, all insurances. Yeah. But it all adds up. It does. Okay.","start_word":4250,"end_word":4440,"sentiment":"neutral","sentiment_score":0.07221924973876065},{"text":"So you're pretty covered budget wise, which is good.","start_word":4441,"end_word":4449,"sentiment":"positive","sentiment_score":0.4940025210380554},{"text":"Okay. Yeah. Yeah. I'm I'm Alright. totally Well, I onto won't my budget, but it makes it difficult where I still have two loans over in Australia because you had the conversion base as well as the Australian dollars cost. Costly convert, like, Yeah. the conversion base and then the cost actually transferred over there phase wise into that account into my Commonwealth account is, I think, I think, like, $250 a month in just conversion fees and fees to get it over there on top of the actual bills. Loan. Yeah. Which is Can I not ask fun. what how much how much are the loans? I've got, like, I think Like, it's probably, like, $2.5 left on a CommBank personal loan, which is not much, which I hopefully pay that off with my final tax when I get it. And then my other loan was, like, a consolidation loan that I got a few years back. And last I looked at it, I think that was, like, $12 still owing on it when I looked at it in, like, Yep. April. But that one, I'm just Yep. paying back the minimum, so it's obviously not paying down as quick. But the bank loan, if you get rid of quicker anyway, because that one charges me a whole lot more than what their ventilation does. Yeah. Have you, perchance, like, spoken to a, like, a broker in New Zealand to look at getting a loan in New Zealand to then pay the Australian loan out? That way, you don't have to do the conversion rate every payment cycle. I never actually thought about that. No. I'm just being sort of paying it.","start_word":4450,"end_word":4732,"sentiment":"neutral","sentiment_score":-0.11168735268996376},{"text":"Yeah. Because, like, $250 every month or fortnight is a lot criminal, actually.","start_word":4733,"end_word":4745,"sentiment":"negative","sentiment_score":-0.6126231551170349},{"text":"Yeah. For, like, conversion. Because, like, I think the bank loan is 544 a month, and then the consolidation is, like, $3.77 a month plus the conversion. And I think I'm putting away, like, $700 a fortnight to cover those. It's at 1,400 a month or something I'm paying, Yeah. which is which Well, is, yeah, like, plus conversion. the minimum Yeah. on those loans. Yeah. Okay. So you're not you're But I'm not you're hoping not that to get you're rid getting of some ahead, of but them.","start_word":4746,"end_word":4834,"sentiment":"neutral","sentiment_score":-0.1636462360620499},{"text":"it's hurting.","start_word":4835,"end_word":4836,"sentiment":"negative","sentiment_score":-0.743620753288269},{"text":"Yeah. And you said your tax return will be about $10? Because you I did like, I did, like I worked it out through ChartDVT and everything, and I put all the paperwork in. And, yeah, about I should just get, like, $10,040 or something because it was, like, $13 or something I got tax withheld. But because I sit under the Yep. threshold, but then there's I don't know. There's, like, a pro router on, you know, what's, like, whatever else. Anyway, I worked it all out. There'll be there's, like, yeah, about $10 should be coming. So I'll pay off the bank loan first because that's obviously got the high interest, and then I'll pay the rest of that onto the other loan, which probably dropped me down. I'll probably have maybe $3.03, $4 left on that, and then I'll that's, I guess, a less of the loan to pay off. And I guess if funds can be feasible, try and make some high payments on that and get rid of that as soon as possible, but we'll see. I mean, if if that's what you end up getting back, mathematically speaking, you would then be able to reallocate the funds that you were paying to the bank loan plus, obviously, the money that you were allocating to the consolidation loan. Within maybe two, two and a half months worth of Have it payments, all paid off. that consolidation loan should be gone after the tax Yeah. That's return my knocks idea. it. I was like, if I pay though that bank loan off and then, like, the conversion rate that I'm saving on it, then hopefully, with a couple of payments, I should, like, do double payments type of thing or triple payments, whatever I can do, make some high payments and try and get rid Yes. of that loan. That's my idea, but gotta waste the money to come in.","start_word":4837,"end_word":5160,"sentiment":"neutral","sentiment_score":-0.05309787047681985},{"text":"What like, just just I'm just a bit bored, and it's not it's not advice.","start_word":5161,"end_word":5175,"sentiment":"negative","sentiment_score":-0.380683571100235},{"text":"I wanna be really, really clear, but it's just a thought process Mhmm.","start_word":5176,"end_word":5188,"sentiment":"neutral","sentiment_score":-0.028392575681209564},{"text":"is rather than take all of the money and pay off the con like, the consolidation loan, oddly, like, paying off the bank didn't make sense because you you can get rid of that knocking off knock it knocking on the head and not have to deal with that one anymore.","start_word":5189,"end_word":5239,"sentiment":"negative","sentiment_score":-0.3486502766609192},{"text":"Mhmm. But the consolidation loan, depending on the interest rate, it could work out that if you kept your money in New Zealand, create, like, a like, have a savings account or have a have a little pocket where you pop that money, put a two, two and a half months worth of money in that, like, in that account or in that wherever you need to put it, and then just do the one transfer over. That way, you have the one transfer fee. Obviously, the conversion cost from NZ to AUD is still gonna hit you no matter where, but at least when Mhmm. the one they convert the money rather than doing two and a half months worth, like, two and a half payment or three payments over to Australia. And Oh, you can well, and just then just call in the the meantime, loan people and be like, hey. Can you just hold my payments for, like, couple we can like, you could just truly feed the loan from, like, your com Commonwealth Bank account in Australia with some money that's connected on your loan. Or do a lump sum payment, call them, and say, hey. Look. I'm paying $10. Can you pause my payment for x amount of time? Yes. What is that gonna do for interest? Am I gonna be hit with interest? How does that work? And have that conversation with them to Yep. see whether that amount because without knowing and like, without knowing how the actual loan is broken down, I can't have that, you know, which one's gonna work out well because it could like, depending on the loan, it could be interest because generally, loans are you have a loan an an interest rate and interest interest is calculated daily and then obviously charged monthly. Yep. Some loans aren't like that. But depending on what the consolidated loan is actually set up with, you may just say, like, the loan was, say, $15. The life of the loan was x number of time. We're gonna put the interest that we calculate onto that loan, and, basically, the loan goes from 15 to 25. And you have to pay off $25 irrespective of when you pay it off. It just depends on how the loan was actually set up. So it's a conversation you have to have with them to kind of break down where the loan is and then kinda work out to the money onto the loan, pay it off, and then ask them to hold payments because they've had a lump sum that basically covers off x number of, you know, month worth of payments. And then make sure that they're gonna charge fees or early break costs or anyone that has that conversation openly with them. And then Yeah. once Well, you accumulate I'm looking the money in New Zealand, pop it over. I'm looking at the loan now. So it was a it was I think the yeah. The initial loan amount was this time $19 with a fixed interest rate of 16.42% per annum, and the loan term was eighty four months. And that's all it says. There was an establishment fee, Okay. a lending assistance fee. So in total, it was $18.80 Yep. 4, but Yep. I think I got 7p. Yeah. And it's just a monthly frequency, and I don't think I get a fee for paying it out if I pay it out. I think I had, Ready. like, a year or something. If you make it you're gonna have a loan. Yeah. I think I could pay it early, but it couldn't be within the first year, which is well and truly over, if I remember correctly. Yep. Okay. That doesn't sound too too bad then. So, realistically, it's probably just a a a phone call with someone going, hey. Look. I have blah left on the account. I've moved to New Zealand. Would like, what would happen if I paid blah amount of money, like, you know, $10 Mhmm. Yep. Off the loan? Would you guys pause the repayment for three months? Do you still calculate interest at the higher rate, or is it just interest on the loan amount remaining? Do Yeah. I Because am I gonna I'd get, be like, curious. any late Yeah. fees, anything like that? Yeah. Yeah. Because I am curious Because, obviously to know if it's per annum, like, if that's the daily fee rate or if it's based on the amount of the loan remaining. Because if you paid if I was to pay extra each month with my fees, if my interest rate's less or if it was actually fixed fixed. So it doesn't matter if I paid it off more than I needed. It's just it's a fixed rate. I'm not actually sure about that. Yeah. So so it it's worth a phone call to Yeah. them to Yeah. kind I of can try give and you some. pick it down and Mhmm. and just have the conversation with them. Because the the biggest thing is is, generally speaking, with these types of loans, you can sort of pay off a lump sum amount. Generally speaking, this like, some clients do this with Carbone before is where they'll pull up some amount and then the basically, the lender will hold that money and just transact each month's payment out of that money to, Yeah. like, give Yeah. the client So a reprieve you can, like, because pause something's happening. it. Yeah. Yeah. You can pause, Like, if you pay six months in front type of thing, they'll pause it for, like, six months with no interest, no fees, no nothing like that. Yeah. I've I've Correct. I've and family family member of mine did that was, like I had been paying in front for a long time, ended up being, like, 3,000 in front and then missed, you know, like, six weeks of payments or whatnot, but, like, never defaulted because it was always, like, $3 like, had $3 in front in the first place. Yeah. Correct. So, yeah, Yeah. some So of it them work could like function that. But that I'll way. definitely yeah. I'll Yeah. give them a call. And, look, I can just tell them, like, my situation. Sometimes they'll you know, it's not an advantage or the fact that I'm already saying it. So probably just happy that I'm still paying one because I'm sure there's many people that just get the country and was, like, fuck the loan and never going back anyway. So at least I'm trying to get the them their money still. Yep. Yes. Downside is is because Australia and New Zealand siblings, they will chase you in New Zealand. So eventually, it'll Well catch up. I I wouldn't try and dodge it. no. I wasn't never planning on it You're because doing you the just right thing. never know. I'm just also not a dodgy Yeah. person, but I no. You just never know. I might end up, like, in Australia one day, but no. I didn't I didn't wanna do the the dodgy anyway. And I know yeah. And I guess I have forwarded on my address details to the ATM stuff, so that'll be able to find me. Yes. Yeah. They will. Alright. Well, Anyway. from my side, what I'll do is I will go and start running all the information. So I'll have a look at, I guess, some things we can do to your super fund to, like, increase the performance, have a look at the fees, get that broken down for you, have a look at the insurance policy, obviously, and see where that fits. The I see only, I guess, discussion point we haven't really put down and had a look at is whether, like, if the money's, like the money is obviously staying in Australia in a conversation, but whether you want Oakview as a financial firm to continue servicing the actual account. Yeah. That or yeah. Well, even if I am gonna keep it there, like, am I or how much will I need to contribute, and is it gonna be feasible, and how much the fees are gonna be for you to keep doing it? Yeah. Am I gonna make wealth on it at all? So or am I better off just pulling it over to a KiwiSaver and having it on one? I'm not sure yet. So if you can just give me some information, I'll be Yeah. able to make a better decision come next conversation.","start_word":5240,"end_word":6686,"sentiment":"neutral","sentiment_score":0.0019495704130198133},{"text":"Yeah. Perfect. What I'll do Perfect.","start_word":6687,"end_word":6692,"sentiment":"positive","sentiment_score":0.44268861413002014},{"text":"in the meantime is I'm gonna send you, I guess, a review pack, and it has, like, a breakdown of where, like, your funds sit Come today, on, shoot on performance Auggie. We're going. report Mhmm. performance report, your insurance certificate of currency. It does have Oakview's ongoing service agreement in it. I Okay. I wanna send it to you so that way, a, you have the information and look over it. I You don't are able Yep. to authorize it, sign it, and, Because like, I need a send friend. it back to me. I can email the ongoing service We're agreement. gonna And get then all if wet. you make the determination in at next conversation that you do wanna see Oakview We're gonna services, get all wet then gas I can stations. terminate that agreement. That's not, like, an issue, Basically, we're gonna and get we all can wet. kind of Okay. go from that conversation there. So I'll send that to you now, and when you get home and do all the things with with Little One there, We can kinda come back and talk about it in two weeks.","start_word":6693,"end_word":6886,"sentiment":"neutral","sentiment_score":0.08210263401269913},{"text":"Perfect. Sounds good. I will talk to you soon. Perfect. Alright. Looking forward to it. You have a good one. Thanks. You too, doll. Bye now.","start_word":6887,"end_word":6912,"sentiment":"positive","sentiment_score":0.7207580804824829},{"text":"Bye. Bye.","start_word":6913,"end_word":6914,"sentiment":"neutral","sentiment_score":0.25165224075317383}],"average":{"sentiment":"neutral","sentiment_score":-0.014404804394561606}}}}