{"metadata":{"transaction_key":"deprecated","request_id":"019db846-3c09-7ec2-b181-f494627dee8d","sha256":"dddc839a9ad166bdfbf8fa3f22d4857fbcd1453a8bc9166734a3e2cbfe8c9d81","created":"2026-04-23T02:58:26.377Z","duration":1518.2639,"channels":2,"models":["c0dd532d-9b09-484d-a717-be8b6fd1bb8c"],"model_info":{"c0dd532d-9b09-484d-a717-be8b6fd1bb8c":{"name":"2-phonecall-nova","version":"2024-02-07.8919","arch":"nova-2"}},"summary_info":{"model_uuid":"67875a7f-c9c4-48a0-aa55-5bdb8a91c34a","input_tokens":6343,"output_tokens":120},"sentiment_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":6996,"output_tokens":7009},"intents_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":6996,"output_tokens":313}},"results":{"channels":[{"alternatives":[{"transcript":"Good afternoon. Is this Jamie? Yeah. Go ahead. It's Veronica from x u financial. Hi. Yeah. Good. How how's your morning been? Yeah. Alright, Papi. You're happy to do that, or, like, while you're driving, if that's okay with you? Yes. Yes. Perfect. No. That's all good. Now, Jamie, before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Perfect. And just to confirm I am speaking with the right person, just for security purposes, could you just confirm your full name, date of birth, and address, please? Yeah. Amazing. Now before I do kind of jump into the interview, I do like to start by asking if there is anything specific that you are hoping to get out of the review today or any areas you would like me to focus on a little bit more or whether it's just just a bit of a general kind of catch up and seeing kind of what's happened in the last twelve months. Mhmm. Yep. Yes. Yep. Yep. Oh, yeah. Beautiful. And how's that and how's that where is that kind of at? Yeah. Oh, nice. Hopefully, that will go as well. Yeah. Yeah. And if it is that when you do get everything settled and when it comes to doing, obviously, your tax return and how to kind of, I guess, maximize deductions and stuff like that, just let us know if you would like me to refer you on through one of the accountants that we work closely with Or if you do have someone, if it is something that you do need assistance with, just give me a call, and I can always get them through to to give you a call through, kind of go through all of that with you because it can get a bit complex at times as well. Yes. Yes. Yes. And they can do that as well. So often, they can do, like, the family together, and then they can, kind of, I guess, advice on the best way to split it, to maximize, you know, the the tax that you guys will get back and what to claim and stuff. So do you do you know how much the property was worth or how much you bought it for? 9 70 5. Yeah. Yeah. Yeah. Yeah. Oh, nice. Yeah. Beautiful. And do you know the mortgage on it? How much is how much that was in roughly? Yep. Yes. Okay. Yep. Perfect. Yeah. Oh, nice. That's good. So I'm glad that kind of all worked out and that they've been helpful for you. And, yeah, hopefully, everything goes well at settlement. Now before I kinda jump into your your super and your performances and kind of what's happened, I do wanna quickly run through a bit of an updated fax line. Now I know you've kind of gone through some of the information all already, so I'll skip over those just so I don't waste too much of your time. Now when it comes to next obtained, so I don't actually have someone nominated, and that is just if for some reason we cannot get in touch with you. Who would you like us to contact? Yep. Perfect. Jade? Yep. Perfect, Jade. And her best contact number? That's good to remembering that by heart. A lot of people are like, oh, I should know this, but it's not something you normally have to remember nowadays. So so that's very good. Well, at least you know how to call her. Now employment wise, has any has anything changed in the last twelve twelve months or still kind of doing the same? Yep. Yep. Yep. Beautiful. Yeah. And that will obviously help your super as well with the employee contributions and everything that goes into it. Yeah. Especially because, yeah, if your income is about roughly the 200,000, and they just paid you that standard 12%, like the standard rules. Yeah. Yep. Yep. Perfect. If on yeah. Yeah. Perfect. So if it kind of if on average, if we use a yearly basis, if it's around 200,000 in a year, that equates to about 24,000. Now that will be taxed at 15%, but still, it is a decent chunk going in, which is good. It's it yes. The limit is 30,000. So each financial year at the moment so to to kind of salary sacrifice and take advantage on it from a tax saving point of view, it would like, the pretax contribution cap is 30,000. So if you have about 200, you're already at about 24. So you do have 6,000 less, but if your income does fluctuate and you think you're gonna earn more than 200, just be mindful of if you do want a salary sacrifice to not exceed that that cap space. So it's it's kind of up to you at the end of the day. Salary sacrificing is a great way to boost your super, and it's also a tax effective way because it comes out pretax, so it does reduce your taxable income. Typically, the the way that I would kind of word it is, well, on a a weekly basis or monthly or fortnightly, depending how you do your your cash flow, do you have much left over? Like, how much do you save per week, would you say? Yeah. And more yes. Yes. Yes. Yeah. Yeah. Because that's usually the first point is like, okay. Well, especially with an investment property as well, I would be a little bit more kind of hesitant to start unless you are very certain of your your cash flow right now because with the investment property as well, is it do you know if it's positively or negatively geared? Do you guys have to pay a portion yourself? Yes. Yep. So tax is great on that point of view, but, yes, obviously, you then have to cover a little bit of that shortfall. So I would even say that just to make sure, you can always start salary sacrifice, and you can stop it whenever. It's very easy for your employer. But given what you guys have coming up at the moment, I would say it might be better to to wait until you've settled into the investment property and, have a little bit more kind of guidance on your cash flow. And then when you have that, what I can do for you anyway is I can send you a cash flow and budget spreadsheet. Completely up to you if it's something you do wanna, you know, complete. But it is usually a good way to get started and thinking, okay. Well, how much am I actually saving each month or week, and how much of that could I put aside to if I wanted to without it impacting any other goals or anything else I want to do? And then from that, we can be like, okay. Well, let's say if you say, oh, I can come to input for 50 or $100 a week, and it doesn't impact anything else, then I can run the numbers of making sure you don't exceed any cut spaces and how that would look like in terms of extra contributions and tax. But I would usually start with the saving aspect of how much you could come and put aside first. Just because I don't want you to put more in, and then it gets locked in, and then you need it. Yep. Yeah. And if anything changes, like, any you know, you can contact us whenever you want to as well. So it doesn't have to be at review time. Even if, you know, if you get it in May, even in August or something, you go, oh, I have a pretty good understanding now. Just give me a call, and we can always book you in and talk about it then. Or if it's earlier or if, you know, we don't hear from you, I'll make a little note that next under review, it's something we can kind of discuss again to see where things are at. Yep. Would you like me to send you a cash loan by this spreadsheet? Would that be helpful? Yeah. Yeah. Yeah. Perfect. I will get that emailed to you. Otherwise, other assets, I think you confirmed all of that with Jordan yesterday, your property, your four cars, and the cash as well. No other changes otherwise. 125,000. Or did anything go through the yes. Nope. Alright. Perfect. 85. And just triple to that's nice. Sorry. And, otherwise, cars and motorbikes combined value at about $1.50. That's still correct? Yep. Perfect. And your property is valued about 2.3 mil? Yep. How much would you or do you think, like, $2.04, $2.05? Oh, yeah. Bit of a update. Oh, that's good. Yeah. Yeah. Yeah. Yeah. Yeah. Oh, it's a good idea. Yeah. And where where in Queensland are you looking at? Relocating through. Oh, no. Oh, yes. Yep. Yeah. Oh, yes. Yeah. Oh, nice. Yep. Yep. Let's see. Yep. Yep. Yep. Oh, that's good. And Place Echo is beautiful. It's not too far from the Gold Coast where we are. So, yeah, a very nice place. A little bit more quiet than the Gold Coast, which is kind of nice, to be fair. It's getting a bit crowded here as well. Yes. Yep. Yeah. Yeah. I used to probably about four years ago now. I lived in Mossman, and beautiful, but so busy, and I just couldn't couldn't handle it either. So we moved back up here. Yeah. So I I feel you. Otherwise, Jamie no. Definitely not. Just a bit more quiet, and, you know, health prices is a bit better as well. And my husband's from the Gold Coast, so closer to his family as well. So so that that's really nice. Yeah. So, yeah, he did. Well, my family are are in Sweden. Sorry. That was too much of a move. That's too much of a move. So no. That's nice. And, otherwise, I guess, when it comes to your health and lifestyle, no kind of other issues health wise, like, you're all good after the hernia and everything? Yep. Perfect. When it comes to your estate planning, I do have here that you have a will, but it was a little bit outdated. Yep. Yeah. Yeah. Might need Yeah. Yep. And then it's something special now with the investment property as well, you know, making sure that all the assets and stuff are covered. So if something ever were to happen to you or you and your wife, that, you know, there is a bit of a bit of an estate plan in place for what you guys want to have happen. It's it's up to you who who you did it with and the cost and stuff like that. What I can do otherwise for you because everyone is sometimes specialized in different things and prices is also a thing. Otherwise, what I can do for you is when I send you the cash flow on budget, I can send you some price guides on a firm that we work closely with. That way you have their prices and contact details. If it is something you you're interested in, you can just call them and say, hey. I do have an outdated will. You know, what's the cost, or can we just because if you get a new one in place, that usually cancels out the old one. So they can kind of help best guide you on that. And if yes. Yes and no. They do they do change. They can expire based on your situation. So, typically and because I'm not a lawyer, I can't obviously give you any legal advice. But but typically typically, if you get married, it does tend to cancel out a a will. And some some so that's kind of, like, usually the tricky point. So if you were to have a will yourself and then you get married, that kind of makes that null and void. So there are situation perfect. Yeah. So it should all be good then unless you've had, you know, there is, like, a, yeah, like, a married or a divorce or something like that. That should all be good. But, yeah, it's always good to check anyway. But, yeah, it's otherwise, it stays in place unless you've had those major changes. But it is good to make sure that your your assets and everything, especially if your kids are now older and stuff, to kind of get that sorted. So do you want me to send you just a brochure just so you have it if if it does you know, if it is something? Yeah. Okay. Perfect. Yeah. Exactly. Exactly. Otherwise, when it comes to your super and stuff, I do have here at your wife, Jade, nominated to receive your benefits if something were to happen. That's still correct? Yeah. Great. And the good thing as well, especially with your kids being a bit older, if it goes to her because she's yourself, it's completely tax free. Kids over 18 on last day have a disability or, you know, at uni and stuff, they can pay tax on their benefits. But if it goes to your wife, it's completely tax free. So perfect. Now I guess other goals and stuff that you guys are working towards in the next couple of years, obviously, settle into the investment property and get all of that sorted. Is there anything else that you are kind of working towards in the next couple of years that could be financial or nonfinancial goals? I'm moving, obviously. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Perfect. Yeah. Yep. Yeah. Oh, that's that's exciting. I've got a couple of things lined up. Yeah. I think too because you're on a very good income. And because of your property in Sydney too, you know, but you you have a lot of equity in the property, that definitely helps and works in in your favor. Now the other thing I do quickly wanna run over with you, Damian, is just an updated risk profile questionnaire. It is just multiple choice questions. No right or wrong answer. It's just whatever you feel is the most appropriate for you. Does that make sense? Yep. Perfect. Now some of them can be a bit tricky. So if it doesn't make sense, just let me know. Yep. Now have you ever bought direct shares yourself? Nope. Perfect. Otherwise, when it comes to your super plan or when you wanna retire and access super, I have here at roughly age 60 with a thousand dollar a week per income ideally from super. Is that still the case? 65. Okay. Yep. Update that to 2,000. Yeah. And most people are the same. They most people tend to and, I guess, it depends on, you know, what your bills are and how extravagant, how much travel and stuff you wanna do. Most people see seem to sit between 1,000 and 3,000 up to $2.05, depending on, obviously, what the goals are. So you're very much in that kind of, good range. Now, otherwise, when it comes to how much risk you're willing to take for superannuation, are you No. Yes. You are currently in a growth. So kind of somewhere in the middle where we're still focusing on growth, but not your high growth or aggressive. So you are kind of, yeah, somewhere somewhere in the middle. Would you say that that's still applicable, like, kind of moderate? It actually it actually has done really well despite all of that, which I'll actually go through with you shortly, which is very good because this despite despite there's been quite a bit of fluctuation, like you said, in the last twelve months, obviously, like you said, with Trump, tariffs, everything, and, obviously, more recently, the war and everything like that, overall, we in in the last twelve months, we have seen. Yeah. Mhmm. Not nothing to do with that. It is just the growth of your investments to show you that. Yep. Just to to to be a bit more fair on just how your investment alone has done. Now well, in the last twelve months, now this is after fees as well. Your portfolio has still gone up by 8.03, and that is after fees, which we're quite happy with given what's happened in the last twelve months. Now talk talking about your investments overall, there are some that's done really, really, really well, like the Global X lithium have done about a 114, which is pretty crazy, especially recently with fuel prices and everything and people no. That's okay. Can you hear me? Okay. Do you want me to do you want me to hang on a little bit and see if that if it improves for you? Because we don't have to yep. Yeah. And it's not too much more yeah. Okay. Perfect. Now what I was saying with your portfolio, so the way that we design your portfolio as well is that it is very diversified, and it is designed that if some areas do really well, it kind of negates, and you have a bit of a balance. Sorry. At certain times, some investments are gonna do a lot better and other times, not depending on what is happening. So for example, with your portfolio, that some of your investments have done very well where your your lithium investment that you have. So you have one that's called a global expiry tech and lithium, Obviously, with fuel prices, people moving through electric vehicles and everything, that one has been about a 114%, which is crazy. So you also, yeah, you also have one of the Asia investments that's at about 63%. Some of the defensive, obviously, a bit lower because they are designed to kind of stabilize your portfolio. So there is a bit of a mix overall, and that's how you want your portfolio designed. In saying that, though, I would like to do a bit more research on one of those investments and look to switch it out. Because we've done a lot of the a lot of investment research on your your managed fund, which is the Benelong Australian equity that you have in your portfolio. So when that was added to your portfolio, it was one of the best performing fund managers, and they were performing really well. The function of that one yes? No. No. That's okay. Can you hear me? Yep. Yep. Alright. I'll do I'll do that, Jamie. I'll I'll give you a callback. Alright. Bye. 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afternoon. Is this Jamie? Yeah. Go ahead. It's Veronica from x u financial.\n\nHi. Yeah. Good. How how's your morning been? Yeah.\n\nAlright, Papi. You're happy to do that, or, like, while you're driving, if that's okay with you? Yes. Yes. Perfect.\n\nNo. That's all good. Now, Jamie, before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Perfect. And just to confirm I am speaking with the right person, just for security purposes, could you just confirm your full name, date of birth, and address, please?\n\nYeah. Amazing. Now before I do kind of jump into the interview, I do like to start by asking if there is anything specific that you are hoping to get out of the review today or any areas you would like me to focus on a little bit more or whether it's just just a bit of a general kind of catch up and seeing kind of what's happened in the last twelve months. Mhmm. Yep.\n\nYes. Yep. Yep. Oh, yeah. Beautiful.\n\nAnd how's that and how's that where is that kind of at? Yeah. Oh, nice. Hopefully, that will go as well. Yeah.\n\nYeah. And if it is that when you do get everything settled and when it comes to doing, obviously, your tax return and how to kind of, I guess, maximize deductions and stuff like that, just let us know if you would like me to refer you on through one of the accountants that we work closely with Or if you do have someone, if it is something that you do need assistance with, just give me a call, and I can always get them through to to give you a call through, kind of go through all of that with you because it can get a bit complex at times as well. Yes. Yes. Yes.\n\nAnd they can do that as well. So often, they can do, like, the family together, and then they can, kind of, I guess, advice on the best way to split it, to maximize, you know, the the tax that you guys will get back and what to claim and stuff. So do you do you know how much the property was worth or how much you bought it for? 9 70 5. Yeah.\n\nYeah. Yeah. Yeah. Oh, nice. Yeah.\n\nBeautiful. And do you know the mortgage on it? How much is how much that was in roughly? Yep. Yes.\n\nOkay. Yep. Perfect. Yeah. Oh, nice.\n\nThat's good. So I'm glad that kind of all worked out and that they've been helpful for you. And, yeah, hopefully, everything goes well at settlement. Now before I kinda jump into your your super and your performances and kind of what's happened, I do wanna quickly run through a bit of an updated fax line. Now I know you've kind of gone through some of the information all already, so I'll skip over those just so I don't waste too much of your time.\n\nNow when it comes to next obtained, so I don't actually have someone nominated, and that is just if for some reason we cannot get in touch with you. Who would you like us to contact? Yep. Perfect. Jade?\n\nYep. Perfect, Jade. And her best contact number? That's good to remembering that by heart. A lot of people are like, oh, I should know this, but it's not something you normally have to remember nowadays.\n\nSo so that's very good. Well, at least you know how to call her. Now employment wise, has any has anything changed in the last twelve twelve months or still kind of doing the same? Yep. Yep.\n\nYep. Beautiful. Yeah. And that will obviously help your super as well with the employee contributions and everything that goes into it. Yeah.\n\nEspecially because, yeah, if your income is about roughly the 200,000, and they just paid you that standard 12%, like the standard rules. Yeah. Yep. Yep. Perfect.\n\nIf on yeah. Yeah. Perfect. So if it kind of if on average, if we use a yearly basis, if it's around 200,000 in a year, that equates to about 24,000. Now that will be taxed at 15%, but still, it is a decent chunk going in, which is good.\n\nIt's it yes. The limit is 30,000. So each financial year at the moment so to to kind of salary sacrifice and take advantage on it from a tax saving point of view, it would like, the pretax contribution cap is 30,000. So if you have about 200, you're already at about 24. So you do have 6,000 less, but if your income does fluctuate and you think you're gonna earn more than 200, just be mindful of if you do want a salary sacrifice to not exceed that that cap space.\n\nSo it's it's kind of up to you at the end of the day. Salary sacrificing is a great way to boost your super, and it's also a tax effective way because it comes out pretax, so it does reduce your taxable income. Typically, the the way that I would kind of word it is, well, on a a weekly basis or monthly or fortnightly, depending how you do your your cash flow, do you have much left over? Like, how much do you save per week, would you say? Yeah.\n\nAnd more yes. Yes. Yes. Yeah. Yeah.\n\nBecause that's usually the first point is like, okay. Well, especially with an investment property as well, I would be a little bit more kind of hesitant to start unless you are very certain of your your cash flow right now because with the investment property as well, is it do you know if it's positively or negatively geared? Do you guys have to pay a portion yourself? Yes. Yep.\n\nSo tax is great on that point of view, but, yes, obviously, you then have to cover a little bit of that shortfall. So I would even say that just to make sure, you can always start salary sacrifice, and you can stop it whenever. It's very easy for your employer. But given what you guys have coming up at the moment, I would say it might be better to to wait until you've settled into the investment property and, have a little bit more kind of guidance on your cash flow. And then when you have that, what I can do for you anyway is I can send you a cash flow and budget spreadsheet.\n\nCompletely up to you if it's something you do wanna, you know, complete. But it is usually a good way to get started and thinking, okay. Well, how much am I actually saving each month or week, and how much of that could I put aside to if I wanted to without it impacting any other goals or anything else I want to do? And then from that, we can be like, okay. Well, let's say if you say, oh, I can come to input for 50 or $100 a week, and it doesn't impact anything else, then I can run the numbers of making sure you don't exceed any cut spaces and how that would look like in terms of extra contributions and tax.\n\nBut I would usually start with the saving aspect of how much you could come and put aside first. Just because I don't want you to put more in, and then it gets locked in, and then you need it. Yep. Yeah. And if anything changes, like, any you know, you can contact us whenever you want to as well.\n\nSo it doesn't have to be at review time. Even if, you know, if you get it in May, even in August or something, you go, oh, I have a pretty good understanding now. Just give me a call, and we can always book you in and talk about it then. Or if it's earlier or if, you know, we don't hear from you, I'll make a little note that next under review, it's something we can kind of discuss again to see where things are at. Yep.\n\nWould you like me to send you a cash loan by this spreadsheet? Would that be helpful? Yeah. Yeah. Yeah.\n\nPerfect. I will get that emailed to you. Otherwise, other assets, I think you confirmed all of that with Jordan yesterday, your property, your four cars, and the cash as well. No other changes otherwise. 125,000.\n\nOr did anything go through the yes. Nope. Alright. Perfect. 85.\n\nAnd just triple to that's nice. Sorry. And, otherwise, cars and motorbikes combined value at about $1.50. That's still correct? Yep.\n\nPerfect. And your property is valued about 2.3 mil? Yep. How much would you or do you think, like, $2.04, $2.05? Oh, yeah.\n\nBit of a update. Oh, that's good. Yeah. Yeah. Yeah.\n\nYeah. Yeah. Oh, it's a good idea. Yeah. And where where in Queensland are you looking at?\n\nRelocating through. Oh, no. Oh, yes. Yep. Yeah.\n\nOh, yes. Yeah. Oh, nice. Yep. Yep.\n\nLet's see. Yep. Yep. Yep. Oh, that's good.\n\nAnd Place Echo is beautiful. It's not too far from the Gold Coast where we are. So, yeah, a very nice place. A little bit more quiet than the Gold Coast, which is kind of nice, to be fair. It's getting a bit crowded here as well.\n\nYes. Yep. Yeah. Yeah. I used to probably about four years ago now.\n\nI lived in Mossman, and beautiful, but so busy, and I just couldn't couldn't handle it either. So we moved back up here. Yeah. So I I feel you. Otherwise, Jamie no.\n\nDefinitely not. Just a bit more quiet, and, you know, health prices is a bit better as well. And my husband's from the Gold Coast, so closer to his family as well. So so that that's really nice. Yeah.\n\nSo, yeah, he did. Well, my family are are in Sweden. Sorry. That was too much of a move. That's too much of a move.\n\nSo no. That's nice. And, otherwise, I guess, when it comes to your health and lifestyle, no kind of other issues health wise, like, you're all good after the hernia and everything? Yep. Perfect.\n\nWhen it comes to your estate planning, I do have here that you have a will, but it was a little bit outdated. Yep. Yeah. Yeah. Might need Yeah.\n\nYep. And then it's something special now with the investment property as well, you know, making sure that all the assets and stuff are covered. So if something ever were to happen to you or you and your wife, that, you know, there is a bit of a bit of an estate plan in place for what you guys want to have happen. It's it's up to you who who you did it with and the cost and stuff like that. What I can do otherwise for you because everyone is sometimes specialized in different things and prices is also a thing.\n\nOtherwise, what I can do for you is when I send you the cash flow on budget, I can send you some price guides on a firm that we work closely with. That way you have their prices and contact details. If it is something you you're interested in, you can just call them and say, hey. I do have an outdated will. You know, what's the cost, or can we just because if you get a new one in place, that usually cancels out the old one.\n\nSo they can kind of help best guide you on that. And if yes. Yes and no. They do they do change. They can expire based on your situation.\n\nSo, typically and because I'm not a lawyer, I can't obviously give you any legal advice. But but typically typically, if you get married, it does tend to cancel out a a will. And some some so that's kind of, like, usually the tricky point. So if you were to have a will yourself and then you get married, that kind of makes that null and void. So there are situation perfect.\n\nYeah. So it should all be good then unless you've had, you know, there is, like, a, yeah, like, a married or a divorce or something like that. That should all be good. But, yeah, it's always good to check anyway. But, yeah, it's otherwise, it stays in place unless you've had those major changes.\n\nBut it is good to make sure that your your assets and everything, especially if your kids are now older and stuff, to kind of get that sorted. So do you want me to send you just a brochure just so you have it if if it does you know, if it is something? Yeah. Okay. Perfect.\n\nYeah. Exactly. Exactly. Otherwise, when it comes to your super and stuff, I do have here at your wife, Jade, nominated to receive your benefits if something were to happen. That's still correct?\n\nYeah. Great. And the good thing as well, especially with your kids being a bit older, if it goes to her because she's yourself, it's completely tax free. Kids over 18 on last day have a disability or, you know, at uni and stuff, they can pay tax on their benefits. But if it goes to your wife, it's completely tax free.\n\nSo perfect. Now I guess other goals and stuff that you guys are working towards in the next couple of years, obviously, settle into the investment property and get all of that sorted. Is there anything else that you are kind of working towards in the next couple of years that could be financial or nonfinancial goals? I'm moving, obviously. Yep.\n\nYep. Yep. Yep. Yep. Yep.\n\nYep. Perfect. Yeah. Yep. Yeah.\n\nOh, that's that's exciting. I've got a couple of things lined up. Yeah. I think too because you're on a very good income. And because of your property in Sydney too, you know, but you you have a lot of equity in the property, that definitely helps and works in in your favor.\n\nNow the other thing I do quickly wanna run over with you, Damian, is just an updated risk profile questionnaire. It is just multiple choice questions. No right or wrong answer. It's just whatever you feel is the most appropriate for you. Does that make sense?\n\nYep. Perfect. Now some of them can be a bit tricky. So if it doesn't make sense, just let me know. Yep.\n\nNow have you ever bought direct shares yourself? Nope. Perfect. Otherwise, when it comes to your super plan or when you wanna retire and access super, I have here at roughly age 60 with a thousand dollar a week per income ideally from super. Is that still the case?\n\n65. Okay. Yep. Update that to 2,000. Yeah.\n\nAnd most people are the same. They most people tend to and, I guess, it depends on, you know, what your bills are and how extravagant, how much travel and stuff you wanna do. Most people see seem to sit between 1,000 and 3,000 up to $2.05, depending on, obviously, what the goals are. So you're very much in that kind of, good range. Now, otherwise, when it comes to how much risk you're willing to take for superannuation, are you No.\n\nYes. You are currently in a growth. So kind of somewhere in the middle where we're still focusing on growth, but not your high growth or aggressive. So you are kind of, yeah, somewhere somewhere in the middle. Would you say that that's still applicable, like, kind of moderate?\n\nIt actually it actually has done really well despite all of that, which I'll actually go through with you shortly, which is very good because this despite despite there's been quite a bit of fluctuation, like you said, in the last twelve months, obviously, like you said, with Trump, tariffs, everything, and, obviously, more recently, the war and everything like that, overall, we in in the last twelve months, we have seen. Yeah. Mhmm. Not nothing to do with that. It is just the growth of your investments to show you that.\n\nYep. Just to to to be a bit more fair on just how your investment alone has done. Now well, in the last twelve months, now this is after fees as well. Your portfolio has still gone up by 8.03, and that is after fees, which we're quite happy with given what's happened in the last twelve months. Now talk talking about your investments overall, there are some that's done really, really, really well, like the Global X lithium have done about a 114, which is pretty crazy, especially recently with fuel prices and everything and people no.\n\nThat's okay. Can you hear me? Okay. Do you want me to do you want me to hang on a little bit and see if that if it improves for you? Because we don't have to yep.\n\nYeah. And it's not too much more yeah. Okay. Perfect. Now what I was saying with your portfolio, so the way that we design your portfolio as well is that it is very diversified, and it is designed that if some areas do really well, it kind of negates, and you have a bit of a balance.\n\nSorry. At certain times, some investments are gonna do a lot better and other times, not depending on what is happening. So for example, with your portfolio, that some of your investments have done very well where your your lithium investment that you have. So you have one that's called a global expiry tech and lithium, Obviously, with fuel prices, people moving through electric vehicles and everything, that one has been about a 114%, which is crazy. So you also, yeah, you also have one of the Asia investments that's at about 63%.\n\nSome of the defensive, obviously, a bit lower because they are designed to kind of stabilize your portfolio. So there is a bit of a mix overall, and that's how you want your portfolio designed. In saying that, though, I would like to do a bit more research on one of those investments and look to switch it out. Because we've done a lot of the a lot of investment research on your your managed fund, which is the Benelong Australian equity that you have in your portfolio. So when that was added to your portfolio, it was one of the best performing fund managers, and they were performing really well.\n\nThe function of that one yes? No. No. That's okay. Can you hear me?\n\nYep. Yep. Alright. I'll do I'll do that, Jamie. I'll I'll give you a callback.\n\nAlright. Bye. That's it.","paragraphs":[{"sentences":[{"text":"Good afternoon.","start":5.04,"end":5.68,"sentiment":"neutral","sentiment_score":0.25429507344961166},{"text":"Is this Jamie?","start":5.68,"end":6.5,"sentiment":"neutral","sentiment_score":0.13462250431378683},{"text":"Yeah.","start":8.639999,"end":8.96,"sentiment":"neutral","sentiment_score":0.07700623571872711},{"text":"Go ahead.","start":8.96,"end":9.28,"sentiment":"neutral","sentiment_score":0.10444238781929016},{"text":"It's Veronica from x u financial.","start":9.28,"end":11.059999,"sentiment":"neutral","sentiment_score":0.05954986313978831}],"sentiment":"neutral","sentiment_score":0.11111770357404437,"num_words":14,"start":5.04,"end":11.059999},{"sentences":[{"text":"Hi.","start":13.295,"end":13.795,"sentiment":"neutral","sentiment_score":0.09649442136287688},{"text":"Yeah.","start":14.335,"end":14.655001,"sentiment":"neutral","sentiment_score":0.1315244734287262},{"text":"Good.","start":14.655001,"end":15.155001,"sentiment":"neutral","sentiment_score":0.3172675371170044},{"text":"How how's your morning been?","start":15.215,"end":16.915,"sentiment":"neutral","sentiment_score":0.1750275194644928},{"text":"Yeah.","start":24.19,"end":24.35,"sentiment":"neutral","sentiment_score":0.09772846847772598}],"sentiment":"neutral","sentiment_score":0.16868361085653305,"num_words":9,"start":13.295,"end":24.35},{"sentences":[{"text":"Alright, Papi.","start":24.35,"end":24.99,"sentiment":"neutral","sentiment_score":0.22496530413627625},{"text":"You're happy to do that, or, like, while you're driving, if that's okay with you?","start":24.99,"end":28.210001,"sentiment":"neutral","sentiment_score":0.2784937024116516},{"text":"Yes.","start":29.470001,"end":29.87,"sentiment":"neutral","sentiment_score":0.15563362836837769},{"text":"Yes.","start":29.87,"end":30.37,"sentiment":"neutral","sentiment_score":0.22719302773475647},{"text":"Perfect.","start":30.43,"end":30.93,"sentiment":"positive","sentiment_score":0.5540065169334412}],"sentiment":"neutral","sentiment_score":0.2782084658741951,"num_words":20,"start":24.35,"end":30.93},{"sentences":[{"text":"No.","start":32.03,"end":32.43,"sentiment":"neutral","sentiment_score":0.04551561176776886},{"text":"That's all good.","start":32.43,"end":33.57,"sentiment":"neutral","sentiment_score":0.21909916400909424},{"text":"Now, Jamie, before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.","start":34.75,"end":41.855,"sentiment":"neutral","sentiment_score":0.01880771583267327},{"text":"Perfect.","start":43.595,"end":44.095,"sentiment":"positive","sentiment_score":0.4299353063106537},{"text":"And just to confirm I am speaking with the right person, just for security purposes, could you just confirm your full name, date of birth, and address, please?","start":44.235,"end":52.335,"sentiment":"neutral","sentiment_score":0.08449869057429689}],"sentiment":"neutral","sentiment_score":0.06522799202150875,"num_words":62,"start":32.03,"end":52.335},{"sentences":[{"text":"Yeah.","start":59.86,"end":60.34,"sentiment":"neutral","sentiment_score":0.26218485832214355},{"text":"Amazing.","start":60.34,"end":60.84,"sentiment":"positive","sentiment_score":0.5313785672187805},{"text":"Now before I do kind of jump into the interview, I do like to start by asking if there is anything specific that you are hoping to get out of the review today or any areas you would like me to focus on a little bit more or whether it's just just a bit of a general kind of catch up and seeing kind of what's happened in the last twelve months.","start":62.1,"end":78.42,"sentiment":"neutral","sentiment_score":-0.02289936039596796},{"text":"Mhmm.","start":81.78,"end":82.28,"sentiment":"neutral","sentiment_score":-0.1515427827835083},{"text":"Yep.","start":88.58,"end":89.08,"sentiment":"neutral","sentiment_score":-0.078216552734375}],"sentiment":"neutral","sentiment_score":-0.01427565603271911,"num_words":76,"start":59.86,"end":89.08},{"sentences":[{"text":"Yes.","start":90.34,"end":90.84,"sentiment":"neutral","sentiment_score":0.049410752952098846},{"text":"Yep.","start":93.954994,"end":94.274994,"sentiment":"neutral","sentiment_score":0.06005347892642021},{"text":"Yep.","start":94.274994,"end":94.774994,"sentiment":"neutral","sentiment_score":0.05330924317240715},{"text":"Oh, yeah.","start":101.395,"end":101.954994,"sentiment":"neutral","sentiment_score":0.18819738179445267},{"text":"Beautiful.","start":101.954994,"end":102.454994,"sentiment":"positive","sentiment_score":0.4314556121826172}],"sentiment":"neutral","sentiment_score":0.16177064180374146,"num_words":6,"start":90.34,"end":102.454994},{"sentences":[{"text":"And how's that and how's that where is that kind of at?","start":103.57001,"end":107.97,"sentiment":"neutral","sentiment_score":0.030711106024682522},{"text":"Yeah.","start":107.97,"end":108.47,"sentiment":"neutral","sentiment_score":0.05478551983833313},{"text":"Oh, nice.","start":110.770004,"end":111.590004,"sentiment":"positive","sentiment_score":0.6485432386398315},{"text":"Hopefully, that will go as well.","start":112.53001,"end":114.23,"sentiment":"positive","sentiment_score":0.48525018990039825},{"text":"Yeah.","start":122.145004,"end":122.645004,"sentiment":"neutral","sentiment_score":-0.017116861417889595}],"sentiment":"neutral","sentiment_score":0.20976316124539485,"num_words":22,"start":103.57001,"end":122.645004},{"sentences":[{"text":"Yeah.","start":125.185005,"end":125.685005,"sentiment":"neutral","sentiment_score":0.06135459244251251},{"text":"And if it is that when you do get everything settled and when it comes to doing, obviously, your tax return and how to kind of, I guess, maximize deductions and stuff like that, just let us know if you would like me to refer you on through one of the accountants that we work closely with Or if you do have someone, if it is something that you do need assistance with, just give me a call, and I can always get them through to to give you a call through, kind of go through all of that with you because it can get a bit complex at times as well.","start":125.745,"end":155.80501,"sentiment":"neutral","sentiment_score":0.058614689208168},{"text":"Yes.","start":167.44,"end":167.92,"sentiment":"neutral","sentiment_score":0.01948600634932518},{"text":"Yes.","start":167.92,"end":168.42,"sentiment":"neutral","sentiment_score":0.0839277058839798},{"text":"Yes.","start":168.755,"end":169.075,"sentiment":"neutral","sentiment_score":0.11926573514938354}],"sentiment":"neutral","sentiment_score":0.05904206233741394,"num_words":116,"start":125.185005,"end":169.075},{"sentences":[{"text":"And they can do that as well.","start":169.075,"end":170.595,"sentiment":"neutral","sentiment_score":0.21869070402213506},{"text":"So often, they can do, like, the family together, and then they can, kind of, I guess, advice on the best way to split it, to maximize, you know, the the tax that you guys will get back and what to claim and stuff.","start":170.595,"end":184.56,"sentiment":"neutral","sentiment_score":0.21618544682860374},{"text":"So do you do you know how much the property was worth or how much you bought it for?","start":184.62,"end":190.64,"sentiment":"neutral","sentiment_score":0.020808827426088482},{"text":"9 70 5.","start":193.9,"end":195.2,"sentiment":"neutral","sentiment_score":-0.013379675025741262},{"text":"Yeah.","start":203.035,"end":203.535,"sentiment":"neutral","sentiment_score":-0.07560235261917114}],"sentiment":"neutral","sentiment_score":0.1530083909731459,"num_words":74,"start":169.075,"end":203.535},{"sentences":[{"text":"Yeah.","start":205.675,"end":206.175,"sentiment":"neutral","sentiment_score":-0.08940695226192474},{"text":"Yeah.","start":211.20999,"end":211.70999,"sentiment":"neutral","sentiment_score":-0.033215004950761795},{"text":"Yeah.","start":214.81,"end":215.31,"sentiment":"neutral","sentiment_score":0.02514410763978958},{"text":"Oh, nice.","start":216.97,"end":217.70999,"sentiment":"positive","sentiment_score":0.4608049988746643},{"text":"Yeah.","start":218.73,"end":219.23,"sentiment":"neutral","sentiment_score":0.16284775733947754}],"sentiment":"neutral","sentiment_score":0.1644966509193182,"num_words":6,"start":205.675,"end":219.23},{"sentences":[{"text":"Beautiful.","start":223.135,"end":223.635,"sentiment":"positive","sentiment_score":0.6255310773849487},{"text":"And do you know the mortgage on it?","start":224.015,"end":227.61499,"sentiment":"neutral","sentiment_score":0.04220087639987469},{"text":"How much is how much that was in roughly?","start":227.61499,"end":230.595,"sentiment":"neutral","sentiment_score":0.022273018542263243},{"text":"Yep.","start":240.11,"end":240.61,"sentiment":"neutral","sentiment_score":0.0391339436173439},{"text":"Yes.","start":241.39,"end":241.89,"sentiment":"neutral","sentiment_score":0.04218094050884247}],"sentiment":"neutral","sentiment_score":0.06224550697952509,"num_words":20,"start":223.135,"end":241.89},{"sentences":[{"text":"Okay.","start":247.165,"end":247.665,"sentiment":"neutral","sentiment_score":0.08292845636606216},{"text":"Yep.","start":247.72499,"end":248.22499,"sentiment":"neutral","sentiment_score":0.1493264138698578},{"text":"Perfect.","start":248.525,"end":249.025,"sentiment":"positive","sentiment_score":0.3831806182861328},{"text":"Yeah.","start":254.765,"end":255.265,"sentiment":"neutral","sentiment_score":0.16257306933403015},{"text":"Oh, nice.","start":255.405,"end":256.02,"sentiment":"positive","sentiment_score":0.4209722578525543}],"sentiment":"neutral","sentiment_score":0.2699921789268653,"num_words":6,"start":247.165,"end":256.02},{"sentences":[{"text":"That's good.","start":256.09998,"end":256.5,"sentiment":"positive","sentiment_score":0.5972070097923279},{"text":"So I'm glad that kind of all worked out and that they've been helpful for you.","start":256.5,"end":259.53998,"sentiment":"positive","sentiment_score":0.7101530022919178},{"text":"And, yeah, hopefully, everything goes well at settlement.","start":259.53998,"end":262.84,"sentiment":"positive","sentiment_score":0.3630637116730213},{"text":"Now before I kinda jump into your your super and your performances and kind of what's happened, I do wanna quickly run through a bit of an updated fax line.","start":264.25998,"end":274.585,"sentiment":"neutral","sentiment_score":0.06896313888331254},{"text":"Now I know you've kind of gone through some of the information all already, so I'll skip over those just so I don't waste too much of your time.","start":274.585,"end":282.125,"sentiment":"neutral","sentiment_score":0.012609806210846352}],"sentiment":"neutral","sentiment_score":0.2105405917206286,"num_words":85,"start":256.09998,"end":282.125},{"sentences":[{"text":"Now when it comes to next obtained, so I don't actually have someone nominated, and that is just if for some reason we cannot get in touch with you.","start":283.88998,"end":291.66998,"sentiment":"neutral","sentiment_score":-0.028366819152544284},{"text":"Who would you like us to contact?","start":291.97,"end":294.22998,"sentiment":"neutral","sentiment_score":-0.007537719660571643},{"text":"Yep.","start":297.185,"end":297.58502,"sentiment":"neutral","sentiment_score":0.03587660938501358},{"text":"Perfect.","start":297.58502,"end":298.08502,"sentiment":"neutral","sentiment_score":0.1215961053967476},{"text":"Jade?","start":298.545,"end":299.045,"sentiment":"neutral","sentiment_score":0.057812612503767014}],"sentiment":"neutral","sentiment_score":-0.01692606322467327,"num_words":39,"start":283.88998,"end":299.045},{"sentences":[{"text":"Yep.","start":300.545,"end":301.045,"sentiment":"neutral","sentiment_score":0.0624011754989624},{"text":"Perfect, Jade.","start":301.665,"end":302.80502,"sentiment":"neutral","sentiment_score":0.17790687829256058},{"text":"And her best contact number?","start":303.025,"end":304.565,"sentiment":"neutral","sentiment_score":0.06645528748631477},{"text":"That's good to remembering that by heart.","start":310.63998,"end":312.56,"sentiment":"neutral","sentiment_score":0.294497617653438},{"text":"A lot of people are like, oh, I should know this, but it's not something you normally have to remember nowadays.","start":312.56,"end":317.06,"sentiment":"neutral","sentiment_score":0.12992990087895168}],"sentiment":"neutral","sentiment_score":0.15390285032076967,"num_words":36,"start":300.545,"end":317.06},{"sentences":[{"text":"So so that's very good.","start":317.12,"end":319.22,"sentiment":"positive","sentiment_score":0.4727014362812042},{"text":"Well, at least you know how to call her.","start":323.075,"end":325.175,"sentiment":"neutral","sentiment_score":-0.001410023309290409},{"text":"Now employment wise, has any has anything changed in the last twelve twelve months or still kind of doing the same?","start":327.555,"end":334.215,"sentiment":"neutral","sentiment_score":-0.005987338544357391},{"text":"Yep.","start":338.97,"end":339.47,"sentiment":"neutral","sentiment_score":-0.11346647143363953},{"text":"Yep.","start":344.41,"end":344.91,"sentiment":"neutral","sentiment_score":-0.04839370399713516}],"sentiment":"neutral","sentiment_score":0.05576277531784128,"num_words":37,"start":317.12,"end":344.91},{"sentences":[{"text":"Yep.","start":350.025,"end":350.525,"sentiment":"neutral","sentiment_score":0.29715800285339355},{"text":"Beautiful.","start":350.745,"end":351.245,"sentiment":"positive","sentiment_score":0.7106539011001587},{"text":"Yeah.","start":353.22498,"end":353.54498,"sentiment":"positive","sentiment_score":0.33524709939956665},{"text":"And that will obviously help your super as well with the employee contributions and everything that goes into it.","start":353.54498,"end":359.805,"sentiment":"positive","sentiment_score":0.4274936208599492},{"text":"Yeah.","start":365.76,"end":366.24002,"sentiment":"neutral","sentiment_score":0.02454044669866562}],"sentiment":"positive","sentiment_score":0.41260774984307913,"num_words":23,"start":350.025,"end":366.24002},{"sentences":[{"text":"Especially because, yeah, if your income is about roughly the 200,000, and they just paid you that standard 12%, like the standard rules.","start":366.24002,"end":374.5,"sentiment":"neutral","sentiment_score":0.00919663309848503},{"text":"Yeah.","start":375.285,"end":375.785,"sentiment":"neutral","sentiment_score":0.0027525201439857483},{"text":"Yep.","start":381.445,"end":381.76498,"sentiment":"neutral","sentiment_score":0.05723696947097778},{"text":"Yep.","start":381.76498,"end":382.085,"sentiment":"neutral","sentiment_score":0.09444279968738556},{"text":"Perfect.","start":382.085,"end":382.585,"sentiment":"neutral","sentiment_score":0.2350299656391144}],"sentiment":"neutral","sentiment_score":0.02225869689654145,"num_words":27,"start":366.24002,"end":382.585},{"sentences":[{"text":"If on yeah.","start":383.04498,"end":385.525,"sentiment":"neutral","sentiment_score":0.041222106044491134},{"text":"Yeah.","start":385.525,"end":385.845,"sentiment":"neutral","sentiment_score":0.15121859312057495},{"text":"Perfect.","start":385.845,"end":386.345,"sentiment":"neutral","sentiment_score":0.2361866533756256},{"text":"So if it kind of if on average, if we use a yearly basis, if it's around 200,000 in a year, that equates to about 24,000.","start":386.485,"end":396.7,"sentiment":"neutral","sentiment_score":0.10595652847909011},{"text":"Now that will be taxed at 15%, but still, it is a decent chunk going in, which is good.","start":396.7,"end":402.48,"sentiment":"neutral","sentiment_score":0.26184862812882975}],"sentiment":"neutral","sentiment_score":0.16482130479067564,"num_words":50,"start":383.04498,"end":402.48},{"sentences":[{"text":"It's it yes.","start":402.795,"end":414.55502,"sentiment":"neutral","sentiment_score":0.023350830810765427},{"text":"The limit is 30,000.","start":414.55502,"end":416.255,"sentiment":"neutral","sentiment_score":0.007002854719758034},{"text":"So each financial year at the moment so to to kind of salary sacrifice and take advantage on it from a tax saving point of view, it would like, the pretax contribution cap is 30,000.","start":416.75998,"end":428.22,"sentiment":"neutral","sentiment_score":0.07268051175134523},{"text":"So if you have about 200, you're already at about 24.","start":429.19498,"end":434.335,"sentiment":"neutral","sentiment_score":0.055675529620864174},{"text":"So you do have 6,000 less, but if your income does fluctuate and you think you're gonna earn more than 200, just be mindful of if you do want a salary sacrifice to not exceed that that cap space.","start":434.79498,"end":451.19,"sentiment":"neutral","sentiment_score":-0.009580366600018281}],"sentiment":"neutral","sentiment_score":0.03131172120692614,"num_words":92,"start":402.795,"end":451.19},{"sentences":[{"text":"So it's it's kind of up to you at the end of the day.","start":451.25,"end":459.635,"sentiment":"positive","sentiment_score":0.4343792849353382},{"text":"Salary sacrificing is a great way to boost your super, and it's also a tax effective way because it comes out pretax, so it does reduce your taxable income.","start":459.635,"end":468.135,"sentiment":"positive","sentiment_score":0.630327106549822},{"text":"Typically, the the way that I would kind of word it is, well, on a a weekly basis or monthly or fortnightly, depending how you do your your cash flow, do you have much left over?","start":469.41,"end":482.32498,"sentiment":"neutral","sentiment_score":0.14225068926397297},{"text":"Like, how much do you save per week, would you say?","start":482.465,"end":487.285,"sentiment":"neutral","sentiment_score":0.07909654317931696},{"text":"Yeah.","start":494.81,"end":495.31,"sentiment":"neutral","sentiment_score":0.06640036404132843}],"sentiment":"positive","sentiment_score":0.33426684869842216,"num_words":91,"start":451.25,"end":495.31},{"sentences":[{"text":"And more yes.","start":496.56998,"end":502.19,"sentiment":"neutral","sentiment_score":0.06545487915476163},{"text":"Yes.","start":504.81,"end":505.31,"sentiment":"neutral","sentiment_score":0.2190244346857071},{"text":"Yes.","start":506.185,"end":506.685,"sentiment":"positive","sentiment_score":0.5232357978820801},{"text":"Yeah.","start":508.98502,"end":509.465,"sentiment":"neutral","sentiment_score":0.14272552728652954},{"text":"Yeah.","start":509.465,"end":509.785,"sentiment":"neutral","sentiment_score":0.07409468293190002}],"sentiment":"neutral","sentiment_score":0.1650635828929288,"num_words":7,"start":496.56998,"end":509.785},{"sentences":[{"text":"Because that's usually the first point is like, okay.","start":509.785,"end":512.185,"sentiment":"neutral","sentiment_score":0.019940540194511414},{"text":"Well, especially with an investment property as well, I would be a little bit more kind of hesitant to start unless you are very certain of your your cash flow right now because with the investment property as well, is it do you know if it's positively or negatively geared?","start":512.185,"end":529.13,"sentiment":"neutral","sentiment_score":-0.11765189036726952},{"text":"Do you guys have to pay a portion yourself?","start":529.13,"end":532.19,"sentiment":"neutral","sentiment_score":-0.04642385078801049},{"text":"Yes.","start":533.45,"end":533.95,"sentiment":"neutral","sentiment_score":0.11121878027915956},{"text":"Yep.","start":535.245,"end":535.565,"sentiment":"neutral","sentiment_score":0.13401281833648682}],"sentiment":"neutral","sentiment_score":-0.08393875307270458,"num_words":70,"start":509.785,"end":535.565},{"sentences":[{"text":"So tax is great on that point of view, but, yes, obviously, you then have to cover a little bit of that shortfall.","start":535.565,"end":541.64496,"sentiment":"neutral","sentiment_score":0.0331237827954085},{"text":"So I would even say that just to make sure, you can always start salary sacrifice, and you can stop it whenever.","start":541.64496,"end":548.285,"sentiment":"neutral","sentiment_score":0.25150576674125413},{"text":"It's very easy for your employer.","start":548.285,"end":549.805,"sentiment":"positive","sentiment_score":0.4821455180644989},{"text":"But given what you guys have coming up at the moment, I would say it might be better to to wait until you've settled into the investment property and, have a little bit more kind of guidance on your cash flow.","start":549.805,"end":563.4,"sentiment":"neutral","sentiment_score":0.26041896750287313},{"text":"And then when you have that, what I can do for you anyway is I can send you a cash flow and budget spreadsheet.","start":563.705,"end":570.205,"sentiment":"positive","sentiment_score":0.40118686109781265}],"sentiment":"neutral","sentiment_score":0.25425439064615757,"num_words":116,"start":535.565,"end":570.205},{"sentences":[{"text":"Completely up to you if it's something you do wanna, you know, complete.","start":570.745,"end":573.885,"sentiment":"positive","sentiment_score":0.4323531756034264},{"text":"But it is usually a good way to get started and thinking, okay.","start":574.265,"end":577.305,"sentiment":"positive","sentiment_score":0.5773553389769334},{"text":"Well, how much am I actually saving each month or week, and how much of that could I put aside to if I wanted to without it impacting any other goals or anything else I want to do?","start":577.305,"end":588.89996,"sentiment":"positive","sentiment_score":0.3526716277395424},{"text":"And then from that, we can be like, okay.","start":589.27997,"end":592.28503,"sentiment":"neutral","sentiment_score":0.2535851018296348},{"text":"Well, let's say if you say, oh, I can come to input for 50 or $100 a week, and it doesn't impact anything else, then I can run the numbers of making sure you don't exceed any cut spaces and how that would look like in terms of extra contributions and tax.","start":592.28503,"end":605.91,"sentiment":"neutral","sentiment_score":0.1981537945282001}],"sentiment":"neutral","sentiment_score":0.31291196620464323,"num_words":125,"start":570.745,"end":605.91},{"sentences":[{"text":"But I would usually start with the saving aspect of how much you could come and put aside first.","start":606.70996,"end":612.88995,"sentiment":"neutral","sentiment_score":0.23797185248450228},{"text":"Just because I don't want you to put more in, and then it gets locked in, and then you need it.","start":613.02997,"end":618.64996,"sentiment":"neutral","sentiment_score":0.00881762376853398},{"text":"Yep.","start":620.71497,"end":621.21497,"sentiment":"neutral","sentiment_score":-0.12455062568187714},{"text":"Yeah.","start":622.475,"end":622.975,"sentiment":"positive","sentiment_score":0.41934269666671753},{"text":"And if anything changes, like, any you know, you can contact us whenever you want to as well.","start":623.115,"end":627.195,"sentiment":"neutral","sentiment_score":0.31672518534792793}],"sentiment":"neutral","sentiment_score":0.178374678393205,"num_words":60,"start":606.70996,"end":627.195},{"sentences":[{"text":"So it doesn't have to be at review time.","start":627.195,"end":629.055,"sentiment":"neutral","sentiment_score":0.1890043094754219},{"text":"Even if, you know, if you get it in May, even in August or something, you go, oh, I have a pretty good understanding now.","start":629.195,"end":634.635,"sentiment":"neutral","sentiment_score":0.30240256786346437},{"text":"Just give me a call, and we can always book you in and talk about it then.","start":634.635,"end":637.49,"sentiment":"positive","sentiment_score":0.373009800691815},{"text":"Or if it's earlier or if, you know, we don't hear from you, I'll make a little note that next under review, it's something we can kind of discuss again to see where things are at.","start":637.49,"end":646.87,"sentiment":"neutral","sentiment_score":-0.009190053911879659},{"text":"Yep.","start":648.80505,"end":649.205,"sentiment":"neutral","sentiment_score":0.21386241912841797}],"sentiment":"neutral","sentiment_score":0.17596920536280694,"num_words":88,"start":627.195,"end":649.205},{"sentences":[{"text":"Would you like me to send you a cash loan by this spreadsheet?","start":649.205,"end":652.005,"sentiment":"neutral","sentiment_score":0.0983265509399084},{"text":"Would that be helpful?","start":652.005,"end":652.98505,"sentiment":"neutral","sentiment_score":0.12026168033480644},{"text":"Yeah.","start":654.72504,"end":655.22504,"sentiment":"neutral","sentiment_score":0.02654167264699936},{"text":"Yeah.","start":655.60504,"end":656.10504,"sentiment":"neutral","sentiment_score":0.0933416336774826},{"text":"Yeah.","start":657.84503,"end":658.24506,"sentiment":"neutral","sentiment_score":0.27988892793655396}],"sentiment":"neutral","sentiment_score":0.10795320589095354,"num_words":20,"start":649.205,"end":658.24506},{"sentences":[{"text":"Perfect.","start":658.24506,"end":658.72504,"sentiment":"positive","sentiment_score":0.6080912351608276},{"text":"I will get that emailed to you.","start":658.72504,"end":661.11005,"sentiment":"positive","sentiment_score":0.4848089984485081},{"text":"Otherwise, other assets, I think you confirmed all of that with Jordan yesterday, your property, your four cars, and the cash as well.","start":662.21,"end":672.13,"sentiment":"neutral","sentiment_score":0.31013781221016595},{"text":"No other changes otherwise.","start":672.13,"end":675.35004,"sentiment":"neutral","sentiment_score":-0.0085322055965662},{"text":"125,000.","start":680.21497,"end":681.83496,"sentiment":"neutral","sentiment_score":-0.025386592373251915}],"sentiment":"neutral","sentiment_score":0.30765023584374124,"num_words":36,"start":658.24506,"end":681.83496},{"sentences":[{"text":"Or did anything go through the yes.","start":682.21497,"end":684.555,"sentiment":"neutral","sentiment_score":-0.011460578335183007},{"text":"Nope.","start":686.21497,"end":686.71497,"sentiment":"neutral","sentiment_score":-0.06656379997730255},{"text":"Alright.","start":689.02997,"end":689.43,"sentiment":"neutral","sentiment_score":0.1466377228498459},{"text":"Perfect.","start":689.43,"end":689.93,"sentiment":"positive","sentiment_score":0.33993732929229736},{"text":"85.","start":690.07,"end":691.05,"sentiment":"neutral","sentiment_score":0.1871187686920166}],"sentiment":"neutral","sentiment_score":0.047900542955506935,"num_words":11,"start":682.21497,"end":691.05},{"sentences":[{"text":"And just triple to that's nice.","start":691.58997,"end":694.87,"sentiment":"neutral","sentiment_score":0.3274068584044774},{"text":"Sorry.","start":694.87,"end":695.37,"sentiment":"neutral","sentiment_score":0.007077395915985107},{"text":"And, otherwise, cars and motorbikes combined value at about $1.50.","start":697.27,"end":702.14996,"sentiment":"neutral","sentiment_score":-0.01662964206188917},{"text":"That's still correct?","start":702.14996,"end":703.37,"sentiment":"neutral","sentiment_score":0.02416096441447735},{"text":"Yep.","start":705.935,"end":706.435,"sentiment":"neutral","sentiment_score":0.0964539498090744}],"sentiment":"neutral","sentiment_score":0.0940075699417364,"num_words":21,"start":691.58997,"end":706.435},{"sentences":[{"text":"Perfect.","start":706.495,"end":706.995,"sentiment":"neutral","sentiment_score":0.2502596378326416},{"text":"And your property is valued about 2.3 mil?","start":708.415,"end":712.435,"sentiment":"neutral","sentiment_score":0.07442537369206548},{"text":"Yep.","start":714.735,"end":715.235,"sentiment":"neutral","sentiment_score":0.04807937890291214},{"text":"How much would you or do you think, like, $2.04, $2.05?","start":715.95,"end":719.57,"sentiment":"neutral","sentiment_score":0.016828858547589996},{"text":"Oh, yeah.","start":725.39,"end":726.13,"sentiment":"neutral","sentiment_score":0.017535151448100805}],"sentiment":"neutral","sentiment_score":0.04843172839964214,"num_words":23,"start":706.495,"end":726.13},{"sentences":[{"text":"Bit of a update.","start":727.15,"end":728.11005,"sentiment":"neutral","sentiment_score":0.03261930635198951},{"text":"Oh, that's good.","start":728.11005,"end":729.09,"sentiment":"neutral","sentiment_score":0.3185571978489558},{"text":"Yeah.","start":734.445,"end":734.945,"sentiment":"neutral","sentiment_score":0.07614849507808685},{"text":"Yeah.","start":742.22,"end":742.72,"sentiment":"neutral","sentiment_score":0.03266094624996185},{"text":"Yeah.","start":745.5,"end":745.74,"sentiment":"neutral","sentiment_score":0.11448489129543304}],"sentiment":"neutral","sentiment_score":0.13094431515783073,"num_words":10,"start":727.15,"end":745.74},{"sentences":[{"text":"Yeah.","start":745.74,"end":746.06,"sentiment":"neutral","sentiment_score":0.1655428558588028},{"text":"Yeah.","start":746.06,"end":746.54,"sentiment":"neutral","sentiment_score":0.19201385974884033},{"text":"Oh, it's a good idea.","start":746.54,"end":747.6,"sentiment":"positive","sentiment_score":0.42807368338108065},{"text":"Yeah.","start":750.86,"end":751.36,"sentiment":"neutral","sentiment_score":0.02964770793914795},{"text":"And where where in Queensland are you looking at?","start":751.98,"end":754.46,"sentiment":"neutral","sentiment_score":0.014996812057991823}],"sentiment":"neutral","sentiment_score":0.1566202440573012,"num_words":17,"start":745.74,"end":754.46},{"sentences":[{"text":"Relocating through.","start":754.46,"end":755.68,"sentiment":"neutral","sentiment_score":0.03690965101122856},{"text":"Oh, no.","start":755.685,"end":756.585,"sentiment":"neutral","sentiment_score":0.04744948074221611},{"text":"Oh, yes.","start":759.365,"end":760.105,"sentiment":"neutral","sentiment_score":0.06826616451144218},{"text":"Yep.","start":764.165,"end":764.665,"sentiment":"neutral","sentiment_score":0.03615742176771164},{"text":"Yeah.","start":767.045,"end":767.545,"sentiment":"neutral","sentiment_score":0.09198220074176788}],"sentiment":"neutral","sentiment_score":0.054173776879906654,"num_words":8,"start":754.46,"end":767.545},{"sentences":[{"text":"Oh, yes.","start":771.81,"end":772.38995,"sentiment":"neutral","sentiment_score":0.08985183387994766},{"text":"Yeah.","start":772.68994,"end":773.18994,"sentiment":"neutral","sentiment_score":0.07540245354175568},{"text":"Oh, nice.","start":773.32996,"end":774.14996,"sentiment":"neutral","sentiment_score":0.2858157455921173},{"text":"Yep.","start":779.08997,"end":779.49,"sentiment":"neutral","sentiment_score":0.08543481677770615},{"text":"Yep.","start":779.49,"end":779.97,"sentiment":"neutral","sentiment_score":0.08661111444234848}],"sentiment":"neutral","sentiment_score":0.1426833633865629,"num_words":7,"start":771.81,"end":779.97},{"sentences":[{"text":"Let's see.","start":779.97,"end":780.79,"sentiment":"neutral","sentiment_score":0.05814569443464279},{"text":"Yep.","start":786.745,"end":787.245,"sentiment":"neutral","sentiment_score":-0.021134590730071068},{"text":"Yep.","start":790.66504,"end":790.745,"sentiment":"neutral","sentiment_score":0.033444300293922424},{"text":"Yep.","start":790.745,"end":791.245,"sentiment":"neutral","sentiment_score":0.07664227485656738},{"text":"Oh, that's good.","start":791.705,"end":792.185,"sentiment":"positive","sentiment_score":0.3460286358992259}],"sentiment":"neutral","sentiment_score":0.15541616012342274,"num_words":8,"start":779.97,"end":792.185},{"sentences":[{"text":"And Place Echo is beautiful.","start":792.185,"end":793.485,"sentiment":"positive","sentiment_score":0.500933563709259},{"text":"It's not too far from the Gold Coast where we are.","start":793.76,"end":796.0,"sentiment":"neutral","sentiment_score":0.12579063055190173},{"text":"So, yeah, a very nice place.","start":796.0,"end":797.94,"sentiment":"positive","sentiment_score":0.3926089132825534},{"text":"A little bit more quiet than the Gold Coast, which is kind of nice, to be fair.","start":799.83997,"end":803.2,"sentiment":"neutral","sentiment_score":0.20308643097386642},{"text":"It's getting a bit crowded here as well.","start":803.2,"end":805.54,"sentiment":"neutral","sentiment_score":0.05562908388674259}],"sentiment":"neutral","sentiment_score":0.2157770262119618,"num_words":47,"start":792.185,"end":805.54},{"sentences":[{"text":"Yes.","start":809.875,"end":810.375,"sentiment":"neutral","sentiment_score":0.06264665722846985},{"text":"Yep.","start":814.115,"end":814.615,"sentiment":"neutral","sentiment_score":0.02129809558391571},{"text":"Yeah.","start":814.675,"end":815.175,"sentiment":"neutral","sentiment_score":-0.05692696571350098},{"text":"Yeah.","start":819.49,"end":819.99,"sentiment":"neutral","sentiment_score":-0.10125993192195892},{"text":"I used to probably about four 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nice.","start":849.84,"end":851.78,"sentiment":"positive","sentiment_score":0.5896892646948496},{"text":"Yeah.","start":852.0,"end":852.5,"sentiment":"neutral","sentiment_score":0.14853011071681976}],"sentiment":"neutral","sentiment_score":0.18475861221742937,"num_words":39,"start":839.815,"end":852.5},{"sentences":[{"text":"So, yeah, he did.","start":853.68,"end":854.96,"sentiment":"neutral","sentiment_score":0.04311739560216665},{"text":"Well, my family are are in Sweden.","start":854.96,"end":857.22003,"sentiment":"neutral","sentiment_score":-0.021315785257944038},{"text":"Sorry.","start":857.28,"end":857.52,"sentiment":"neutral","sentiment_score":-0.11057472229003906},{"text":"That was too much of a move.","start":857.52,"end":859.2,"sentiment":"negative","sentiment_score":-0.3523409217596054},{"text":"That's too much of a 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can send you some price guides on a firm that we work closely with.","start":953.34,"end":960.64,"sentiment":"neutral","sentiment_score":0.13735899212770164},{"text":"That way you have their prices and contact details.","start":960.78,"end":963.505,"sentiment":"neutral","sentiment_score":0.07919287143482102},{"text":"If it is something you you're interested in, you can just call them and say, hey.","start":963.505,"end":966.785,"sentiment":"neutral","sentiment_score":0.058458237210288644},{"text":"I do have an outdated will.","start":966.785,"end":968.325,"sentiment":"neutral","sentiment_score":-0.06417632413407166},{"text":"You know, what's the cost, or can we just because if you get a new one in place, that usually cancels out the old one.","start":969.425,"end":974.725,"sentiment":"neutral","sentiment_score":-0.06800363764166832}],"sentiment":"neutral","sentiment_score":0.04498189205134457,"num_words":88,"start":953.34,"end":974.725},{"sentences":[{"text":"So they can kind of help best guide you on that.","start":975.58496,"end":979.11,"sentiment":"neutral","sentiment_score":0.25600657002492383},{"text":"And if yes.","start":980.21,"end":985.83,"sentiment":"neutral","sentiment_score":0.07109791537125905},{"text":"Yes and no.","start":986.93,"end":987.65,"sentiment":"neutral","sentiment_score":0.01253043053050836},{"text":"They do they do change.","start":987.65,"end":989.03,"sentiment":"neutral","sentiment_score":0.027353081852197647},{"text":"They can expire based on your situation.","start":989.33,"end":991.43,"sentiment":"neutral","sentiment_score":0.0108161810785532}],"sentiment":"neutral","sentiment_score":0.11308399947552845,"num_words":29,"start":975.58496,"end":991.43},{"sentences":[{"text":"So, typically and because I'm not a lawyer, I can't obviously give you any legal advice.","start":991.57,"end":995.655,"sentiment":"neutral","sentiment_score":-0.03765183035284281},{"text":"But but typically typically, if you get married, it does tend to cancel out a a will.","start":995.655,"end":1003.995,"sentiment":"neutral","sentiment_score":-0.302511292783653},{"text":"And some some so that's kind of, like, usually the tricky point.","start":1004.05505,"end":1006.85504,"sentiment":"neutral","sentiment_score":-0.27339546258250874},{"text":"So if you were to have a will yourself and then you get married, that kind of makes that null and void.","start":1006.85504,"end":1012.45,"sentiment":"neutral","sentiment_score":-0.30937549945983017},{"text":"So there are situation perfect.","start":1012.83,"end":1016.77,"sentiment":"neutral","sentiment_score":-0.030048634111881252}],"sentiment":"neutral","sentiment_score":-0.2219773746199078,"num_words":72,"start":991.57,"end":1016.77},{"sentences":[{"text":"Yeah.","start":1016.91,"end":1017.15,"sentiment":"neutral","sentiment_score":0.1297195851802826},{"text":"So it should all be good then unless you've had, you know, there is, like, a, yeah, like, a married or a divorce or something like that.","start":1017.15,"end":1023.795,"sentiment":"neutral","sentiment_score":0.08506347466674116},{"text":"That should all be good.","start":1023.95496,"end":1025.255,"sentiment":"neutral","sentiment_score":0.28853932321071624},{"text":"But, yeah, it's always good to check anyway.","start":1026.195,"end":1028.375,"sentiment":"neutral","sentiment_score":0.09203381184488535},{"text":"But, yeah, it's otherwise, it stays in place unless you've had those major changes.","start":1028.995,"end":1032.855,"sentiment":"neutral","sentiment_score":0.0099554926689182}],"sentiment":"neutral","sentiment_score":0.08626868017017841,"num_words":55,"start":1016.91,"end":1032.855},{"sentences":[{"text":"But it is good to make sure that your your assets and everything, especially if your kids are now older and stuff, to kind of get that sorted.","start":1033.315,"end":1041.0801,"sentiment":"neutral","sentiment_score":0.1877173584486757},{"text":"So do you want me to send you just a brochure just so you have it if if it does you know, if it is something?","start":1041.14,"end":1047.3,"sentiment":"neutral","sentiment_score":0.14128115572608435},{"text":"Yeah.","start":1047.3,"end":1047.62,"sentiment":"neutral","sentiment_score":0.15905658900737762},{"text":"Okay.","start":1047.62,"end":1048.1,"sentiment":"neutral","sentiment_score":0.30381882190704346},{"text":"Perfect.","start":1048.1,"end":1048.6,"sentiment":"positive","sentiment_score":0.6215198040008545}],"sentiment":"neutral","sentiment_score":0.17568054912905945,"num_words":57,"start":1033.315,"end":1048.6},{"sentences":[{"text":"Yeah.","start":1053.795,"end":1054.295,"sentiment":"neutral","sentiment_score":0.10378631949424744},{"text":"Exactly.","start":1054.435,"end":1054.935,"sentiment":"neutral","sentiment_score":0.19838955998420715},{"text":"Exactly.","start":1056.355,"end":1056.855,"sentiment":"neutral","sentiment_score":0.17648093402385712},{"text":"Otherwise, when it comes to your super and stuff, I do have here at your wife, Jade, nominated to receive your benefits if something were to happen.","start":1057.9551,"end":1066.72,"sentiment":"neutral","sentiment_score":0.14872996702238364},{"text":"That's still correct?","start":1066.72,"end":1067.7,"sentiment":"neutral","sentiment_score":0.09645626693964005}],"sentiment":"neutral","sentiment_score":0.14496165830077548,"num_words":33,"start":1053.795,"end":1067.7},{"sentences":[{"text":"Yeah.","start":1069.2799,"end":1069.6,"sentiment":"positive","sentiment_score":0.3755452036857605},{"text":"Great.","start":1069.6,"end":1070.1,"sentiment":"positive","sentiment_score":0.709627628326416},{"text":"And the good thing as well, especially with your kids being a bit older, if it goes to her because she's yourself, it's completely tax free.","start":1070.24,"end":1077.38,"sentiment":"positive","sentiment_score":0.47605851751107436},{"text":"Kids over 18 on last day have a disability or, you know, at uni and stuff, they can pay tax on their benefits.","start":1077.895,"end":1089.835,"sentiment":"neutral","sentiment_score":0.16124948178944382},{"text":"But if it goes to your wife, it's completely tax free.","start":1089.895,"end":1092.27,"sentiment":"neutral","sentiment_score":0.25256038389422675}],"sentiment":"neutral","sentiment_score":0.32176768695635183,"num_words":62,"start":1069.2799,"end":1092.27},{"sentences":[{"text":"So perfect.","start":1094.1901,"end":1095.25,"sentiment":"positive","sentiment_score":0.6350365877151489},{"text":"Now I guess other goals and stuff that you guys are working towards in the next couple of years, obviously, settle into the investment property and get all of that sorted.","start":1096.35,"end":1104.29,"sentiment":"neutral","sentiment_score":0.20260390447032067},{"text":"Is there anything else that you are kind of working towards in the next couple of years that could be financial or nonfinancial goals?","start":1104.99,"end":1111.545,"sentiment":"neutral","sentiment_score":0.06428219471126795},{"text":"I'm moving, obviously.","start":1112.405,"end":1113.545,"sentiment":"neutral","sentiment_score":0.06925911704699199},{"text":"Yep.","start":1116.485,"end":1116.985,"sentiment":"neutral","sentiment_score":0.07275501638650894}],"sentiment":"neutral","sentiment_score":0.15367375827226482,"num_words":61,"start":1094.1901,"end":1116.985},{"sentences":[{"text":"Yep.","start":1125.54,"end":1125.86,"sentiment":"neutral","sentiment_score":0.0748935267329216},{"text":"Yep.","start":1125.86,"end":1126.36,"sentiment":"neutral","sentiment_score":0.05568727478384971},{"text":"Yep.","start":1128.58,"end":1128.74,"sentiment":"neutral","sentiment_score":0.05918893218040466},{"text":"Yep.","start":1128.74,"end":1129.24,"sentiment":"neutral","sentiment_score":0.0742705762386322},{"text":"Yep.","start":1133.3151,"end":1133.795,"sentiment":"neutral","sentiment_score":0.07977514714002609}],"sentiment":"neutral","sentiment_score":0.06876309141516686,"num_words":5,"start":1125.54,"end":1133.795},{"sentences":[{"text":"Yep.","start":1133.795,"end":1134.1951,"sentiment":"neutral","sentiment_score":0.1255146712064743},{"text":"Perfect.","start":1134.1951,"end":1134.6951,"sentiment":"neutral","sentiment_score":0.28845304250717163},{"text":"Yeah.","start":1142.275,"end":1142.775,"sentiment":"neutral","sentiment_score":0.03976834937930107},{"text":"Yep.","start":1145.25,"end":1145.75,"sentiment":"neutral","sentiment_score":0.05861511453986168},{"text":"Yeah.","start":1146.93,"end":1147.41,"sentiment":"neutral","sentiment_score":0.1377146691083908}],"sentiment":"neutral","sentiment_score":0.1300131693482399,"num_words":5,"start":1133.795,"end":1147.41},{"sentences":[{"text":"Oh, that's that's exciting.","start":1147.41,"end":1148.53,"sentiment":"neutral","sentiment_score":0.2899966314435005},{"text":"I've got a couple of things lined up.","start":1148.53,"end":1150.55,"sentiment":"neutral","sentiment_score":0.21576255187392235},{"text":"Yeah.","start":1158.2251,"end":1158.305,"sentiment":"positive","sentiment_score":0.4791028499603271},{"text":"I think too because you're on a very good income.","start":1158.305,"end":1160.5651,"sentiment":"positive","sentiment_score":0.5536164820194245},{"text":"And because of your property in Sydney too, you know, but you you have a lot of equity in the property, that definitely helps and works in in your favor.","start":1161.5851,"end":1172.4,"sentiment":"positive","sentiment_score":0.5550290952126186}],"sentiment":"positive","sentiment_score":0.4821174993829907,"num_words":53,"start":1147.41,"end":1172.4},{"sentences":[{"text":"Now the other thing I do quickly wanna run over with you, Damian, is just an updated risk profile questionnaire.","start":1175.5,"end":1180.48,"sentiment":"neutral","sentiment_score":0.12501240968704225},{"text":"It is just multiple choice questions.","start":1181.1,"end":1183.36,"sentiment":"neutral","sentiment_score":0.10067424302299817},{"text":"No right or wrong answer.","start":1183.5349,"end":1184.735,"sentiment":"neutral","sentiment_score":-0.04657514095306396},{"text":"It's just whatever you feel is the most appropriate for you.","start":1184.735,"end":1188.195,"sentiment":"neutral","sentiment_score":0.1354711570523002},{"text":"Does that make sense?","start":1188.255,"end":1189.315,"sentiment":"neutral","sentiment_score":0.08205046691000462}],"sentiment":"neutral","sentiment_score":0.10195222918106162,"num_words":46,"start":1175.5,"end":1189.315},{"sentences":[{"text":"Yep.","start":1190.495,"end":1190.8949,"sentiment":"neutral","sentiment_score":0.17677295207977295},{"text":"Perfect.","start":1190.8949,"end":1191.3949,"sentiment":"positive","sentiment_score":0.4151418209075928},{"text":"Now some of them can be a bit tricky.","start":1191.455,"end":1193.215,"sentiment":"neutral","sentiment_score":-0.12225603891743554},{"text":"So if it doesn't make sense, just let me know.","start":1193.215,"end":1195.47,"sentiment":"neutral","sentiment_score":-0.12506156265735627},{"text":"Yep.","start":1196.83,"end":1197.33,"sentiment":"neutral","sentiment_score":0.008199070580303669}],"sentiment":"neutral","sentiment_score":-0.0795820969664915,"num_words":22,"start":1190.495,"end":1197.33},{"sentences":[{"text":"Now have you ever bought direct shares yourself?","start":1198.03,"end":1201.89,"sentiment":"neutral","sentiment_score":0.0017432093154639006},{"text":"Nope.","start":1202.59,"end":1203.09,"sentiment":"neutral","sentiment_score":-0.0823095515370369},{"text":"Perfect.","start":1203.63,"end":1204.13,"sentiment":"neutral","sentiment_score":0.0682351365685463},{"text":"Otherwise, when it comes to your super plan or when you wanna retire and access super, I have here at roughly age 60 with a thousand dollar a week per income ideally from super.","start":1204.99,"end":1217.975,"sentiment":"neutral","sentiment_score":0.02135826022747685},{"text":"Is that still the case?","start":1218.355,"end":1220.215,"sentiment":"neutral","sentiment_score":-0.014026769250631333}],"sentiment":"neutral","sentiment_score":0.013386086959924017,"num_words":49,"start":1198.03,"end":1220.215},{"sentences":[{"text":"65.","start":1223.8099,"end":1224.55,"sentiment":"neutral","sentiment_score":-0.025548039004206657},{"text":"Okay.","start":1224.61,"end":1225.11,"sentiment":"neutral","sentiment_score":0.020572783425450325},{"text":"Yep.","start":1232.895,"end":1233.395,"sentiment":"neutral","sentiment_score":0.04598827660083771},{"text":"Update that to 2,000.","start":1233.6951,"end":1235.235,"sentiment":"neutral","sentiment_score":0.04010951239615679},{"text":"Yeah.","start":1236.895,"end":1237.395,"sentiment":"neutral","sentiment_score":0.04828780889511109}],"sentiment":"neutral","sentiment_score":0.03121735993772745,"num_words":8,"start":1223.8099,"end":1237.395},{"sentences":[{"text":"And most people are the same.","start":1237.935,"end":1239.2151,"sentiment":"neutral","sentiment_score":0.04354456874231497},{"text":"They most people tend to and, I guess, it depends on, you know, what your bills are and how extravagant, how much travel and stuff you wanna do.","start":1239.2151,"end":1245.39,"sentiment":"neutral","sentiment_score":0.025252950976469686},{"text":"Most people see seem to sit between 1,000 and 3,000 up to $2.05, depending on, obviously, what the goals are.","start":1245.55,"end":1253.31,"sentiment":"neutral","sentiment_score":0.07952069845050573},{"text":"So you're very much in that kind of, good range.","start":1253.31,"end":1256.85,"sentiment":"neutral","sentiment_score":0.19688799232244492},{"text":"Now, otherwise, when it comes to how much risk you're willing to take for superannuation, are you No.","start":1258.4651,"end":1266.4851,"sentiment":"neutral","sentiment_score":-0.04905072278860542}],"sentiment":"neutral","sentiment_score":0.04444793807115496,"num_words":82,"start":1237.935,"end":1266.4851},{"sentences":[{"text":"Yes.","start":1268.145,"end":1268.545,"sentiment":"neutral","sentiment_score":0.021772194653749462},{"text":"You are currently in a growth.","start":1268.545,"end":1270.0651,"sentiment":"neutral","sentiment_score":0.009263139218091965},{"text":"So kind of somewhere in the middle where we're still focusing on growth, but not your high growth or aggressive.","start":1270.0651,"end":1275.73,"sentiment":"neutral","sentiment_score":-0.005201579537242651},{"text":"So you are kind of, yeah, somewhere somewhere in the middle.","start":1275.87,"end":1278.51,"sentiment":"neutral","sentiment_score":-0.0022228099405765533},{"text":"Would you say that that's still applicable, like, kind of moderate?","start":1278.51,"end":1282.13,"sentiment":"neutral","sentiment_score":0.019362412562424488}],"sentiment":"neutral","sentiment_score":0.0033031646542403164,"num_words":49,"start":1268.145,"end":1282.13},{"sentences":[{"text":"It actually it actually has done really well despite all of that, which I'll actually go through with you shortly, which is very good because this despite despite there's been quite a bit of fluctuation, like you said, in the last twelve months, obviously, like you said, with Trump, tariffs, everything, and, obviously, more recently, the war and everything like that, overall, we in in the last twelve months, we have seen.","start":1302.9,"end":1327.605,"sentiment":"neutral","sentiment_score":0.1264101475632439},{"text":"Yeah.","start":1328.0299,"end":1328.5299,"sentiment":"neutral","sentiment_score":0.007132248021662235},{"text":"Mhmm.","start":1335.23,"end":1335.3099,"sentiment":"neutral","sentiment_score":-0.00228484021499753},{"text":"Not nothing to do with that.","start":1335.3099,"end":1336.9099,"sentiment":"neutral","sentiment_score":-0.07352847668031852},{"text":"It is just the growth of your investments to show you that.","start":1336.9099,"end":1340.77,"sentiment":"neutral","sentiment_score":0.05262955091893673}],"sentiment":"neutral","sentiment_score":0.10105175851419082,"num_words":92,"start":1302.9,"end":1340.77},{"sentences":[{"text":"Yep.","start":1341.025,"end":1341.525,"sentiment":"neutral","sentiment_score":0.08880701661109924},{"text":"Just to to to be a bit more fair on just how your investment alone has done.","start":1343.665,"end":1348.645,"sentiment":"neutral","sentiment_score":0.10624360008274808},{"text":"Now well, in the last twelve months, now this is after fees as well.","start":1350.065,"end":1359.06,"sentiment":"neutral","sentiment_score":0.05749293988836663},{"text":"Your portfolio has still gone up by 8.03, and that is after fees, which we're quite happy with given what's happened in the last twelve months.","start":1360.16,"end":1371.355,"sentiment":"positive","sentiment_score":0.6377891095784994},{"text":"Now talk talking about your investments overall, there are some that's done really, really, really well, like the Global X lithium have done about a 114, which is pretty crazy, especially recently with fuel prices and everything and people no.","start":1371.815,"end":1390.63,"sentiment":"neutral","sentiment_score":0.17877326849848033}],"sentiment":"neutral","sentiment_score":0.2697275200554607,"num_words":98,"start":1341.025,"end":1390.63},{"sentences":[{"text":"That's okay.","start":1390.63,"end":1391.27,"sentiment":"neutral","sentiment_score":-0.10013867169618607},{"text":"Can you hear me?","start":1391.27,"end":1392.285,"sentiment":"neutral","sentiment_score":-0.05309887509793043},{"text":"Okay.","start":1397.005,"end":1397.3251,"sentiment":"neutral","sentiment_score":-0.004202177748084068},{"text":"Do you want me to do you want me to hang on a little bit and see if that if it improves for you?","start":1397.3251,"end":1403.405,"sentiment":"neutral","sentiment_score":-0.003983158230160673},{"text":"Because we don't have to yep.","start":1403.405,"end":1410.65,"sentiment":"neutral","sentiment_score":-0.009802376463388404}],"sentiment":"neutral","sentiment_score":-0.015440137238820663,"num_words":37,"start":1390.63,"end":1410.65},{"sentences":[{"text":"Yeah.","start":1410.65,"end":1411.15,"sentiment":"neutral","sentiment_score":-0.037283897399902344},{"text":"And it's not too much more yeah.","start":1411.29,"end":1413.85,"sentiment":"neutral","sentiment_score":-0.007900921893971307},{"text":"Okay.","start":1413.85,"end":1414.3301,"sentiment":"neutral","sentiment_score":0.2526404857635498},{"text":"Perfect.","start":1414.3301,"end":1414.8301,"sentiment":"positive","sentiment_score":0.4089149236679077},{"text":"Now what I was saying with your portfolio, so the way that we design your portfolio as well is that it is very diversified, and it is designed that if some areas do really well, it kind of negates, and you have a bit of a balance.","start":1416.3301,"end":1429.0249,"sentiment":"neutral","sentiment_score":0.1485701251695765}],"sentiment":"neutral","sentiment_score":0.1324870340656816,"num_words":57,"start":1410.65,"end":1429.0249},{"sentences":[{"text":"Sorry.","start":1429.0249,"end":1429.2649,"sentiment":"neutral","sentiment_score":-0.05344194918870926},{"text":"At certain times, some investments are gonna do a lot better and other times, not depending on what is happening.","start":1429.2649,"end":1435.04,"sentiment":"neutral","sentiment_score":-0.0013851094990968704},{"text":"So for example, with your portfolio, that some of your investments have done very well where your your lithium investment that you have.","start":1435.04,"end":1444.08,"sentiment":"neutral","sentiment_score":0.1861975235135659},{"text":"So you have one that's called a global expiry tech and lithium, Obviously, with fuel prices, people moving through electric vehicles and everything, that one has been about a 114%, which is crazy.","start":1444.08,"end":1455.5149,"sentiment":"neutral","sentiment_score":0.08799540759487585},{"text":"So you also, yeah, you also have one of the Asia investments that's at about 63%.","start":1456.1349,"end":1462.7949,"sentiment":"neutral","sentiment_score":0.17264470551162958}],"sentiment":"neutral","sentiment_score":0.10610282409094995,"num_words":93,"start":1429.0249,"end":1462.7949},{"sentences":[{"text":"Some of the defensive, obviously, a bit lower because they are designed to kind of stabilize your portfolio.","start":1463.6001,"end":1468.98,"sentiment":"neutral","sentiment_score":0.10005230353110367},{"text":"So there is a bit of a mix overall, and that's how you want your portfolio designed.","start":1469.76,"end":1474.42,"sentiment":"neutral","sentiment_score":0.17721136062241652},{"text":"In saying that, though, I would like to do a bit more research on one of those investments and look to switch it out.","start":1475.36,"end":1482.865,"sentiment":"neutral","sentiment_score":0.008109019293139378},{"text":"Because we've done a lot of the a lot of investment research on your your managed fund, which is the Benelong Australian equity that you have in your portfolio.","start":1482.865,"end":1491.045,"sentiment":"positive","sentiment_score":0.36580446876328565},{"text":"So when that was added to your portfolio, it was one of the best performing fund managers, and they were performing really well.","start":1491.105,"end":1496.87,"sentiment":"positive","sentiment_score":0.565711612286775}],"sentiment":"neutral","sentiment_score":0.25790853814330994,"num_words":111,"start":1463.6001,"end":1496.87},{"sentences":[{"text":"The function of that one yes?","start":1497.33,"end":1500.07,"sentiment":"neutral","sentiment_score":-0.07155623224874337},{"text":"No.","start":1502.0499,"end":1502.5499,"sentiment":"neutral","sentiment_score":-0.24874864518642423},{"text":"No.","start":1503.1699,"end":1503.49,"sentiment":"neutral","sentiment_score":-0.1590593010187149},{"text":"That's okay.","start":1503.49,"end":1504.39,"sentiment":"neutral","sentiment_score":-0.1032697856426239},{"text":"Can you hear me?","start":1504.85,"end":1505.9099,"sentiment":"neutral","sentiment_score":-0.04177942033857107}],"sentiment":"neutral","sentiment_score":-0.08648589945265225,"num_words":14,"start":1497.33,"end":1505.9099},{"sentences":[{"text":"Yep.","start":1509.105,"end":1509.605,"sentiment":"neutral","sentiment_score":-0.019796516746282578},{"text":"Yep.","start":1509.905,"end":1510.405,"sentiment":"neutral","sentiment_score":-0.035062581300735474},{"text":"Alright.","start":1511.1849,"end":1511.585,"sentiment":"neutral","sentiment_score":0.001090633450075984},{"text":"I'll do I'll do that, Jamie.","start":1511.585,"end":1514.065,"sentiment":"neutral","sentiment_score":-0.017730251885950565},{"text":"I'll I'll give you a callback.","start":1514.065,"end":1515.505,"sentiment":"neutral","sentiment_score":-0.02150477096438408}],"sentiment":"neutral","sentiment_score":-0.019278573446596663,"num_words":15,"start":1509.105,"end":1515.505},{"sentences":[{"text":"Alright.","start":1515.505,"end":1516.005,"sentiment":"neutral","sentiment_score":0.10024642944335938},{"text":"Bye.","start":1516.065,"end":1516.565,"sentiment":"neutral","sentiment_score":0.229699969291687},{"text":"That's it.","start":1517.825,"end":1518.2639,"sentiment":"neutral","sentiment_score":0.13323409855365753}],"sentiment":"neutral","sentiment_score":0.14910364896059036,"num_words":4,"start":1515.505,"end":1518.2639}]}}]},{"alternatives":[{"transcript":"Hello? Yes. Speaking. How you doing? Yeah. How's things? Yeah. Pretty pretty busy. A lot going on as usual. Just heading to work now, but I've got plenty of time to talk. Yeah. That's fine. Yeah. Yep. It's it's time to get me. Yeah. That's fine. Jamie Kelly, second of the '8 70 '7 and 77 Clare Avenue, Roushill, New South Wales 2 at Number 5. Yeah. Nothing too major. Just as far as I'm hoping there's some positive views. It's all doom and gloom because the last year, obviously, has been not so good. But, yeah, obviously, that's the potential because my returns and that sort of stuff. But I'm also in the process with the Brook Jurassic, whatever name is, from I just purchased an investment property as well. Yeah. Through the gold as well. Well, it settles on settles on the May 11, the house. So then yeah. Yeah. Then I've got, obviously, then try and work out all the whole it's been twenty years since I've invested properties. So how the tech how the tech side of things work and trying to juggle everything again. Yep. Yep. Yes. Because I got on this investment property, I got my wife's and my older son's name on it as well. So so I think we'd have to do all our taxes together then, wouldn't we, at the same time or something? Yep. Yep. We got it for $9.75. The tenant the vendor, sorry, originally wanted 1.1, but because I knew they had since I don't really want real estate agents too much. They were some car sales. We knew they had bridging loans, other things, and they were in trouble. So we just slow bought them. And then come to a day to go. They had to accept our offer offer of $9.75 because we didn't really care if we got that one or not. We weren't in a rush for an interest. It was a couple of doors down from my daughter's house, which sort of appealed to us. But, yeah, we got it at the right price. So then, yeah, we went ahead with it. And so a mortgage will be so the way she set it up is so my son could get into a two little separate loans of, say, for for example, a $100,000 each to get a 20 deposit, and then the mortgage would be the remaining of the 80% of the $9.75. So yeah. Just saying because he didn't have enough money saved and other things to keep just to keep him at 50% still. Yeah. Yep. Yep. Yep. My wife. Yes. Jade Kelly. 0408669501. I struggle to remember her name or names, but numbers I can't forget. I'm good with numbers. Yeah. No. Last year last year was a bit worse because I had five months off with the hernia, had an operation and that sort of stuff. I think that's why I was only 140,000 for the year in my salary. But this year, I'm sort of we've not long to go. I'm rejected to sort of make the to $200,000 mark this year. So it's going going better. Yeah. That was last fortnightly. It was about $1,250 just last fortnightly's contributions. Yeah. Whatever whatever. Because my wage changes four months. So it's whatever I earn fortnight, which is what's based off. So nothing fixed or cash. So, yeah, I don't need to salary sacrifice then because then it puts you to the limit sort of anyway, doesn't it? Or the month you earn six months once it goes more, you start to pay for tax or something, don't you? Or Yep. Yep. So probably best just leaving it really just to have Wigour. How much difference is it? Yep. Yeah. I've got I've got no idea, to tell you the truth. I've just yeah. Money comes in, money goes out, and I've always just got money. So, yeah, if I'm running if I know a few bigger bills are coming up, I'll just do, like, you know, an extra shift or two because of that flexibility or just always just try and make sure I don't go backwards, if you know what I mean. As long as I'm, yeah, live living a good lifestyle and not going backwards, I'm happy. Cash flow. K. Yep. Yep. Yep. Yes. Negatively good. Yep. Just leave it. Yep. Okay. Okay. Okay. Yep. Okay. Well, worry about that next one in three years, miss. That's not a problem. Yep. Okay. Not a problem. That's fine. Yeah. If you don't have that one, send it through. Yeah. I'll get the wipes printed out, maybe get started on something. Okay. What cash was there? I didn't think I was I think number 8. In cash? No. Probably got about $8,085,000, I think, in cash now. Been doing a lot a lot of traveling. Yeah. Tell me about that. Yeah. Yep. Yeah. I'd say that's conservative. I've actually got someone coming tomorrow or Monday because it's been years since I've had it evaluated to give me appraisal. So just looking at other options. So I think because we wanna move to Queensland next year, although I'm staying in my job and so is my wife. You know, whether we should rent the house out or sell it and buy other properties up in Queensland and so much things sort of happening, but, yeah, I just sort of at least see what it's worth at the moment and get a market value and a rental appraisal and just see which way we wanna go to you. Sunshine Coast. My daughter's already up there, and that's where we bought the investment property already. But, yeah, my son starts high school. My youngest son, we only got one dependent now. The other three are all 25 to 19. But, yeah, we wanna start in the high school probably up there in Mountain Creek High School. That's what my wife likes. So we got now next year, they will work out just whether we're gonna sell our house or just rent it. I'm thinking we're just gonna rent it out for a couple of years and get another cheaper investment property out there to live into. So I'm not invest probably just a cheaper property to live in and then use that rent rent in our house. You have to pay off that one. That's what it's a sort of plan. Yep. Yeah. Yeah. I love yeah. I have to live in forty odd plus years in Sydney. I just wanna take a step. We still gotta keep our jobs here and just I'll I'll have the luxury of flying in and flying out and vice versa. But, yeah, I can't handle the traffic and the demographics is changing too much lately. Yep. Yep. Yep. Yep. Definitely no regrets in the movie, is it? Yes. He does. Yep. Yep. Yep. Okay. Yep. So he wants alright. Yep. Yep. Yep. Yep. Everything's fine. Everything's perfect. Yep. Yes. It's very outdated. I remember one time we've done it when the kids were younger and before we went to South Africa because we got my wife and we're going to South Africa. And and we end up leaving her, like, the guardians of the wheel of the kids and other things. But now all my three of my kids are adults and, yeah, it oh, yeah. I should definitely need to change it to at least change it to them being in check it as in control and vice versa. Yep. Okay. Yep. So should we just go to that same system views, like, over ten years ago and just get it updated? Or Okay. Okay. And will and once you pay for a will, they never expire. They just sit there till you get a new will or you die? Yeah. No. That's shit. Yep. No. The last room last room worked together. So yep. Yep. Yep. Okay. Yes, please. Yep. Yep. I'll give them a call and see what the quote is, and then I'll bounce that off the ones we currently use and, yeah, just go get the cheapest first. Yep. Yeah. That's fine. Yep. Okay. Okay. No problem. It's good. Yep. Yeah. Well, yeah, the main one is is moving to Sunshine Coast. And then soon as this house is settled on May, we wanna try and get something else cheap up there to get in the catchment area, Mountain Creek High School, get my son to the school, and sort of live between Sydney and there. But but, yeah, there's something like a cheaper sort of place, you know, around a million dollar mark, around a million dollars or something if we can. And yeah. So that's the next to get that done before, obviously, Christmas or towards the end of this year and have it settled so we have somewhere to move to. Whether we ever sell our house or rent it out, which, yeah, we need somebody to go. Yep. Although that Gold Coast Wolf did say that, yeah, we're fine to borrowing capacity to get another one, so that was all good. Yep. Yep. Okay. That's good to know. Yep. Okay. Yes. Okay. No. That's pretty yeah. That's probably probably not. I'd probably have to say 65. Yep. And with a thousand dollars a week. When I've done that about five years ago, you probably realized thousand dollars a week. So it's been $2,000 a week now. Yeah. Probably, I'd say so. Yeah. Yep. Okay. Okay. I've always had a pretty I've always had a pretty low motor in that, haven't I? You know? I know. Yes, Dan. I I just I just know that Trump's since Trump's been in office and something else has always been going on around the world that it's just not really doing anything anymore. And then I don't know whether it's the right time to take more risk or not or just like I said, it just feels like these last twelve months has just been contributions. The only thing that's going in there and, yeah, it's never actually it's actually really performed around or anything. So yeah. Okay. Alrighty. Yep. When you when you when you guys factors factor percentage of yearly growth in that, is that including the contributions I put in or nothing to do with the contributions I put in? Okay. Okay. Yep. Yep. Okay. Yep. I'll probably just leave it how it is then if it hasn't done too bad. K. Okay. Sorry. You're break you're breaking up at the moment. No. The line's just I'm sort of getting every second word at the moment for some reason. Just going past the airport at Sydney. Yep. I I'll sit around this corner, and I'll just see if it picks up. Can you just keep talking for a sec? Okay. Yeah. Yeah. You're back now. Yeah. Well well. Sorry. It's the line's going really bad again at the moment. Sorry about this. Did you mind just calling back in a minute? Like, one minute or something just to see if I can change the line because I'm yet so yeah. Sorry. Thank you. 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Yes. Speaking. How you doing? Yeah.\n\nHow's things? Yeah. Pretty pretty busy. A lot going on as usual. Just heading to work now, but I've got plenty of time to talk.\n\nYeah. That's fine. Yeah. Yep. It's it's time to get me.\n\nYeah. That's fine. Jamie Kelly, second of the '8 70 '7 and 77 Clare Avenue, Roushill, New South Wales 2 at Number 5. Yeah. Nothing too major.\n\nJust as far as I'm hoping there's some positive views. It's all doom and gloom because the last year, obviously, has been not so good. But, yeah, obviously, that's the potential because my returns and that sort of stuff. But I'm also in the process with the Brook Jurassic, whatever name is, from I just purchased an investment property as well. Yeah.\n\nThrough the gold as well. Well, it settles on settles on the May 11, the house. So then yeah. Yeah. Then I've got, obviously, then try and work out all the whole it's been twenty years since I've invested properties.\n\nSo how the tech how the tech side of things work and trying to juggle everything again. Yep. Yep. Yes. Because I got on this investment property, I got my wife's and my older son's name on it as well.\n\nSo so I think we'd have to do all our taxes together then, wouldn't we, at the same time or something? Yep. Yep. We got it for $9.75. The tenant the vendor, sorry, originally wanted 1.1, but because I knew they had since I don't really want real estate agents too much.\n\nThey were some car sales. We knew they had bridging loans, other things, and they were in trouble. So we just slow bought them. And then come to a day to go. They had to accept our offer offer of $9.75 because we didn't really care if we got that one or not.\n\nWe weren't in a rush for an interest. It was a couple of doors down from my daughter's house, which sort of appealed to us. But, yeah, we got it at the right price. So then, yeah, we went ahead with it. And so a mortgage will be so the way she set it up is so my son could get into a two little separate loans of, say, for for example, a $100,000 each to get a 20 deposit, and then the mortgage would be the remaining of the 80% of the $9.75.\n\nSo yeah. Just saying because he didn't have enough money saved and other things to keep just to keep him at 50% still. Yeah. Yep. Yep.\n\nYep. My wife. Yes. Jade Kelly. 0408669501.\n\nI struggle to remember her name or names, but numbers I can't forget. I'm good with numbers. Yeah. No. Last year last year was a bit worse because I had five months off with the hernia, had an operation and that sort of stuff.\n\nI think that's why I was only 140,000 for the year in my salary. But this year, I'm sort of we've not long to go. I'm rejected to sort of make the to $200,000 mark this year. So it's going going better. Yeah.\n\nThat was last fortnightly. It was about $1,250 just last fortnightly's contributions. Yeah. Whatever whatever. Because my wage changes four months.\n\nSo it's whatever I earn fortnight, which is what's based off. So nothing fixed or cash. So, yeah, I don't need to salary sacrifice then because then it puts you to the limit sort of anyway, doesn't it? Or the month you earn six months once it goes more, you start to pay for tax or something, don't you? Or Yep.\n\nYep. So probably best just leaving it really just to have Wigour. How much difference is it? Yep. Yeah.\n\nI've got I've got no idea, to tell you the truth. I've just yeah. Money comes in, money goes out, and I've always just got money. So, yeah, if I'm running if I know a few bigger bills are coming up, I'll just do, like, you know, an extra shift or two because of that flexibility or just always just try and make sure I don't go backwards, if you know what I mean. As long as I'm, yeah, live living a good lifestyle and not going backwards, I'm happy.\n\nCash flow. K. Yep. Yep. Yep.\n\nYes. Negatively good. Yep. Just leave it. Yep.\n\nOkay. Okay. Okay. Yep. Okay.\n\nWell, worry about that next one in three years, miss. That's not a problem. Yep. Okay. Not a problem.\n\nThat's fine. Yeah. If you don't have that one, send it through. Yeah. I'll get the wipes printed out, maybe get started on something.\n\nOkay. What cash was there? I didn't think I was I think number 8. In cash? No.\n\nProbably got about $8,085,000, I think, in cash now. Been doing a lot a lot of traveling. Yeah. Tell me about that. Yeah.\n\nYep. Yeah. I'd say that's conservative. I've actually got someone coming tomorrow or Monday because it's been years since I've had it evaluated to give me appraisal. So just looking at other options.\n\nSo I think because we wanna move to Queensland next year, although I'm staying in my job and so is my wife. You know, whether we should rent the house out or sell it and buy other properties up in Queensland and so much things sort of happening, but, yeah, I just sort of at least see what it's worth at the moment and get a market value and a rental appraisal and just see which way we wanna go to you. Sunshine Coast. My daughter's already up there, and that's where we bought the investment property already. But, yeah, my son starts high school.\n\nMy youngest son, we only got one dependent now. The other three are all 25 to 19. But, yeah, we wanna start in the high school probably up there in Mountain Creek High School. That's what my wife likes. So we got now next year, they will work out just whether we're gonna sell our house or just rent it.\n\nI'm thinking we're just gonna rent it out for a couple of years and get another cheaper investment property out there to live into. So I'm not invest probably just a cheaper property to live in and then use that rent rent in our house. You have to pay off that one. That's what it's a sort of plan. Yep.\n\nYeah. Yeah. I love yeah. I have to live in forty odd plus years in Sydney. I just wanna take a step.\n\nWe still gotta keep our jobs here and just I'll I'll have the luxury of flying in and flying out and vice versa. But, yeah, I can't handle the traffic and the demographics is changing too much lately. Yep. Yep. Yep.\n\nYep. Definitely no regrets in the movie, is it? Yes. He does. Yep.\n\nYep. Yep. Okay. Yep. So he wants alright.\n\nYep. Yep. Yep. Yep. Everything's fine.\n\nEverything's perfect. Yep. Yes. It's very outdated. I remember one time we've done it when the kids were younger and before we went to South Africa because we got my wife and we're going to South Africa.\n\nAnd and we end up leaving her, like, the guardians of the wheel of the kids and other things. But now all my three of my kids are adults and, yeah, it oh, yeah. I should definitely need to change it to at least change it to them being in check it as in control and vice versa. Yep. Okay.\n\nYep. So should we just go to that same system views, like, over ten years ago and just get it updated? Or Okay. Okay. And will and once you pay for a will, they never expire.\n\nThey just sit there till you get a new will or you die? Yeah. No. That's shit. Yep.\n\nNo. The last room last room worked together. So yep. Yep. Yep.\n\nOkay. Yes, please. Yep. Yep. I'll give them a call and see what the quote is, and then I'll bounce that off the ones we currently use and, yeah, just go get the cheapest first.\n\nYep. Yeah. That's fine. Yep. Okay.\n\nOkay. No problem. It's good. Yep. Yeah.\n\nWell, yeah, the main one is is moving to Sunshine Coast. And then soon as this house is settled on May, we wanna try and get something else cheap up there to get in the catchment area, Mountain Creek High School, get my son to the school, and sort of live between Sydney and there. But but, yeah, there's something like a cheaper sort of place, you know, around a million dollar mark, around a million dollars or something if we can. And yeah. So that's the next to get that done before, obviously, Christmas or towards the end of this year and have it settled so we have somewhere to move to.\n\nWhether we ever sell our house or rent it out, which, yeah, we need somebody to go. Yep. Although that Gold Coast Wolf did say that, yeah, we're fine to borrowing capacity to get another one, so that was all good. Yep. Yep.\n\nOkay. That's good to know. Yep. Okay. Yes.\n\nOkay. No. That's pretty yeah. That's probably probably not. I'd probably have to say 65.\n\nYep. And with a thousand dollars a week. When I've done that about five years ago, you probably realized thousand dollars a week. So it's been $2,000 a week now. Yeah.\n\nProbably, I'd say so. Yeah. Yep. Okay. Okay.\n\nI've always had a pretty I've always had a pretty low motor in that, haven't I? You know? I know. Yes, Dan. I I just I just know that Trump's since Trump's been in office and something else has always been going on around the world that it's just not really doing anything anymore.\n\nAnd then I don't know whether it's the right time to take more risk or not or just like I said, it just feels like these last twelve months has just been contributions. The only thing that's going in there and, yeah, it's never actually it's actually really performed around or anything. So yeah. Okay. Alrighty.\n\nYep. When you when you when you guys factors factor percentage of yearly growth in that, is that including the contributions I put in or nothing to do with the contributions I put in? Okay. Okay. Yep.\n\nYep. Okay. Yep. I'll probably just leave it how it is then if it hasn't done too bad. K.\n\nOkay. Sorry. You're break you're breaking up at the moment. No. The line's just I'm sort of getting every second word at the moment for some reason.\n\nJust going past the airport at Sydney. Yep. I I'll sit around this corner, and I'll just see if it picks up. Can you just keep talking for a sec? Okay.\n\nYeah. Yeah. You're back now. Yeah. Well well.\n\nSorry. It's the line's going really bad again at the moment. Sorry about this. Did you mind just calling back in a minute? Like, one minute or something just to see if I can change the line because I'm yet so yeah.\n\nSorry. Thank you. Thank you.","paragraphs":[{"sentences":[{"text":"Hello?","start":4.08,"end":4.58,"sentiment":"neutral","sentiment_score":0.03897632658481598},{"text":"Yes.","start":6.96,"end":7.3599997,"sentiment":"neutral","sentiment_score":0.08421744406223297},{"text":"Speaking.","start":7.3599997,"end":7.68,"sentiment":"neutral","sentiment_score":0.06708557903766632},{"text":"How you doing?","start":7.68,"end":8.42,"sentiment":"neutral","sentiment_score":0.12652900566657385},{"text":"Yeah.","start":12.719999,"end":12.96,"sentiment":"neutral","sentiment_score":0.04340282082557678}],"sentiment":"neutral","sentiment_score":0.08760988393000194,"num_words":7,"start":4.08,"end":12.96},{"sentences":[{"text":"How's things?","start":12.96,"end":13.7,"sentiment":"neutral","sentiment_score":0.05487564206123352},{"text":"Yeah.","start":17.625,"end":17.945,"sentiment":"neutral","sentiment_score":0.02729204297065735},{"text":"Pretty pretty busy.","start":17.945,"end":18.825,"sentiment":"neutral","sentiment_score":-0.0493916484216849},{"text":"A lot going on as usual.","start":18.825,"end":20.025,"sentiment":"neutral","sentiment_score":-0.07327038670579593},{"text":"Just heading to work now, but I've got plenty of time to talk.","start":20.025,"end":23.885,"sentiment":"neutral","sentiment_score":-0.0010510810937445897}],"sentiment":"neutral","sentiment_score":-0.01857671970501542,"num_words":25,"start":12.96,"end":23.885},{"sentences":[{"text":"Yeah.","start":28.505,"end":28.665,"sentiment":"neutral","sentiment_score":0.12294701486825944},{"text":"That's fine.","start":28.665,"end":29.224998,"sentiment":"neutral","sentiment_score":0.1952645480632782},{"text":"Yeah.","start":29.224998,"end":29.545,"sentiment":"neutral","sentiment_score":0.15173035860061646},{"text":"Yep.","start":29.545,"end":30.045,"sentiment":"neutral","sentiment_score":0.16359983384609222},{"text":"It's it's time to get me.","start":30.105,"end":31.645,"sentiment":"positive","sentiment_score":0.3693394809961319}],"sentiment":"neutral","sentiment_score":0.276803926310756,"num_words":11,"start":28.505,"end":31.645},{"sentences":[{"text":"Yeah.","start":42.21,"end":42.45,"sentiment":"neutral","sentiment_score":0.11610235273838045},{"text":"That's fine.","start":42.45,"end":43.19,"sentiment":"neutral","sentiment_score":0.22654680162668228},{"text":"Jamie Kelly, second of the '8 70 '7 and 77 Clare Avenue, Roushill, New South Wales 2 at Number 5.","start":52.815,"end":59.31,"sentiment":"neutral","sentiment_score":0.028146902099251747},{"text":"Yeah.","start":79.90501,"end":80.065,"sentiment":"neutral","sentiment_score":-0.05650617927312851},{"text":"Nothing too major.","start":80.065,"end":81.205,"sentiment":"neutral","sentiment_score":-0.13356094310681024}],"sentiment":"neutral","sentiment_score":0.024997962569748913,"num_words":27,"start":42.21,"end":81.205},{"sentences":[{"text":"Just as far as I'm hoping there's some positive views.","start":81.265,"end":83.90501,"sentiment":"neutral","sentiment_score":-0.15563011914491653},{"text":"It's all doom and gloom because the last year, obviously, has been not so good.","start":83.90501,"end":87.845,"sentiment":"negative","sentiment_score":-0.45122528274854024},{"text":"But, yeah, obviously, that's the potential because my returns and that sort of stuff.","start":89.55,"end":93.23,"sentiment":"neutral","sentiment_score":-0.004435583816042968},{"text":"But I'm also in the process with the Brook Jurassic, whatever name is, from I just purchased an investment property as well.","start":93.23,"end":103.325,"sentiment":"neutral","sentiment_score":0.08289314078336413},{"text":"Yeah.","start":103.385,"end":103.705,"sentiment":"neutral","sentiment_score":0.16026289761066437}],"sentiment":"neutral","sentiment_score":-0.10327204211705154,"num_words":62,"start":81.265,"end":103.705},{"sentences":[{"text":"Through the gold as well.","start":103.705,"end":105.245,"sentiment":"neutral","sentiment_score":0.10933997351676225},{"text":"Well, it settles on settles on the May 11, the house.","start":106.265,"end":110.765,"sentiment":"neutral","sentiment_score":0.06598317944868044},{"text":"So then yeah.","start":112.425,"end":113.725,"sentiment":"positive","sentiment_score":0.5238707065582275},{"text":"Yeah.","start":114.7,"end":115.02,"sentiment":"neutral","sentiment_score":0.07577508687973022},{"text":"Then I've got, obviously, then try and work out all the whole it's been twenty years since I've invested properties.","start":115.02,"end":119.899994,"sentiment":"neutral","sentiment_score":0.004397200455423444}],"sentiment":"neutral","sentiment_score":0.07519615142955445,"num_words":40,"start":103.705,"end":119.899994},{"sentences":[{"text":"So how the tech how the tech side of things work and trying to juggle everything again.","start":119.899994,"end":124.88,"sentiment":"neutral","sentiment_score":-0.051220619612756896},{"text":"Yep.","start":142.585,"end":143.085,"sentiment":"neutral","sentiment_score":0.05169634148478508},{"text":"Yep.","start":147.26999,"end":147.76999,"sentiment":"neutral","sentiment_score":0.11337312310934068},{"text":"Yes.","start":156.325,"end":156.72499,"sentiment":"neutral","sentiment_score":0.040485117584466934},{"text":"Because I got on this investment property, I got my wife's and my older son's name on it as well.","start":156.72499,"end":162.265,"sentiment":"neutral","sentiment_score":0.029664179868996145}],"sentiment":"neutral","sentiment_score":-0.0017978088464587927,"num_words":40,"start":119.899994,"end":162.265},{"sentences":[{"text":"So so I think we'd have to do all our taxes together then, wouldn't we, at the same time or something?","start":162.485,"end":168.105,"sentiment":"neutral","sentiment_score":0.015484790007273356},{"text":"Yep.","start":169.125,"end":169.525,"sentiment":"neutral","sentiment_score":0.19050447642803192},{"text":"Yep.","start":169.525,"end":170.025,"sentiment":"neutral","sentiment_score":0.2171958684921265},{"text":"We got it for $9.75.","start":191.395,"end":193.255,"sentiment":"neutral","sentiment_score":0.02776460200548172},{"text":"The tenant the vendor, sorry, originally wanted 1.1, but because I knew they had since I don't really want real estate agents too much.","start":194.035,"end":201.17,"sentiment":"neutral","sentiment_score":-0.12069109819519024}],"sentiment":"neutral","sentiment_score":-0.038940046376620345,"num_words":52,"start":162.485,"end":201.17},{"sentences":[{"text":"They were some car sales.","start":201.17,"end":202.37,"sentiment":"neutral","sentiment_score":-0.11151891052722931},{"text":"We knew they had bridging loans, other things, and they were in trouble.","start":202.37,"end":205.43,"sentiment":"neutral","sentiment_score":-0.1500569163606717},{"text":"So we just slow bought them.","start":205.48999,"end":206.69,"sentiment":"neutral","sentiment_score":-0.13580389072497687},{"text":"And then come to a day to go.","start":206.69,"end":208.05,"sentiment":"neutral","sentiment_score":-0.09024756401777267},{"text":"They had to accept our offer offer of $9.75 because we didn't really care if we got that one or not.","start":208.05,"end":213.105,"sentiment":"neutral","sentiment_score":-0.06579021391059671}],"sentiment":"neutral","sentiment_score":-0.10239118516866891,"num_words":53,"start":201.17,"end":213.105},{"sentences":[{"text":"We weren't in a rush for an interest.","start":213.105,"end":213.93167,"sentiment":"neutral","sentiment_score":-0.07889228081330657},{"text":"It was a couple of doors down from my daughter's house, which sort of appealed to us.","start":213.93167,"end":218.225,"sentiment":"neutral","sentiment_score":0.11301741036860381},{"text":"But, yeah, we got it at the right price.","start":218.225,"end":220.545,"sentiment":"neutral","sentiment_score":0.28558901614613},{"text":"So then, yeah, we went ahead with it.","start":220.545,"end":221.905,"sentiment":"positive","sentiment_score":0.33857323229312897},{"text":"And so a mortgage will be so the way she set it up is so my son could get into a two little separate loans of, say, for for example, a $100,000 each to get a 20 deposit, and then the mortgage would be the remaining of the 80% of the $9.75.","start":221.905,"end":246.845,"sentiment":"neutral","sentiment_score":0.0631957329594745}],"sentiment":"neutral","sentiment_score":0.10484279624800732,"num_words":94,"start":213.105,"end":246.845},{"sentences":[{"text":"So yeah.","start":248.745,"end":249.72,"sentiment":"neutral","sentiment_score":0.19398131221532822},{"text":"Just saying because he didn't have enough money saved and other things to keep just to keep him at 50% still.","start":249.8,"end":254.38,"sentiment":"neutral","sentiment_score":0.09749464460072063},{"text":"Yeah.","start":256.76,"end":257.26,"sentiment":"positive","sentiment_score":0.58333420753479},{"text":"Yep.","start":260.36,"end":260.86,"sentiment":"neutral","sentiment_score":0.27915075421333313},{"text":"Yep.","start":282.87,"end":283.19,"sentiment":"neutral","sentiment_score":0.016213444992899895}],"sentiment":"neutral","sentiment_score":0.12746340645333895,"num_words":26,"start":248.745,"end":283.19},{"sentences":[{"text":"Yep.","start":283.19,"end":283.69,"sentiment":"neutral","sentiment_score":0.014690756797790527},{"text":"My wife.","start":295.945,"end":296.605,"sentiment":"neutral","sentiment_score":0.006243219133466482},{"text":"Yes.","start":298.905,"end":299.405,"sentiment":"neutral","sentiment_score":0.046873655170202255},{"text":"Jade Kelly.","start":300.105,"end":300.845,"sentiment":"neutral","sentiment_score":0.040648335590958595},{"text":"0408669501.","start":305.4,"end":309.34,"sentiment":"neutral","sentiment_score":0.03550378233194351}],"sentiment":"neutral","sentiment_score":0.02726447196411235,"num_words":7,"start":283.19,"end":309.34},{"sentences":[{"text":"I struggle to remember her name or names, but numbers I can't forget.","start":319.035,"end":321.915,"sentiment":"neutral","sentiment_score":0.04363607471952072},{"text":"I'm good with numbers.","start":321.915,"end":322.975,"sentiment":"neutral","sentiment_score":0.15920948889106512},{"text":"Yeah.","start":325.755,"end":326.255,"sentiment":"neutral","sentiment_score":0.009923633188009262},{"text":"No.","start":333.91,"end":334.07,"sentiment":"neutral","sentiment_score":-0.18253153562545776},{"text":"Last year last year was a bit worse because I had five months off with the hernia, had an operation and that sort of stuff.","start":334.07,"end":339.99,"sentiment":"neutral","sentiment_score":-0.2215648514032364}],"sentiment":"neutral","sentiment_score":-0.10244596046818928,"num_words":44,"start":319.035,"end":339.99},{"sentences":[{"text":"I think that's why I was only 140,000 for the year in my salary.","start":339.99,"end":343.75,"sentiment":"neutral","sentiment_score":-0.14662943354674748},{"text":"But this year, I'm sort of we've not long to go.","start":343.75,"end":345.99,"sentiment":"neutral","sentiment_score":-0.1540056108073755},{"text":"I'm rejected to sort of make the to $200,000 mark this year.","start":345.99,"end":349.97498,"sentiment":"neutral","sentiment_score":-0.22624373684326807},{"text":"So it's going going better.","start":349.97498,"end":352.715,"sentiment":"positive","sentiment_score":0.5238389998674393},{"text":"Yeah.","start":360.07,"end":360.39,"sentiment":"neutral","sentiment_score":0.04826641082763672}],"sentiment":"neutral","sentiment_score":-0.08824040047651113,"num_words":43,"start":339.99,"end":360.39},{"sentences":[{"text":"That was last fortnightly.","start":360.39,"end":361.51,"sentiment":"neutral","sentiment_score":0.011641926219454035},{"text":"It was about $1,250 just last fortnightly's contributions.","start":361.51,"end":364.81,"sentiment":"neutral","sentiment_score":0.017183368792757392},{"text":"Yeah.","start":374.20502,"end":374.605,"sentiment":"neutral","sentiment_score":-0.0008094795048236847},{"text":"Whatever whatever.","start":374.605,"end":375.405,"sentiment":"neutral","sentiment_score":-0.003816974349319935},{"text":"Because my wage changes four months.","start":375.405,"end":377.24503,"sentiment":"neutral","sentiment_score":-0.002911472382644812}],"sentiment":"neutral","sentiment_score":0.007529637748597278,"num_words":21,"start":360.39,"end":377.24503},{"sentences":[{"text":"So it's whatever I earn fortnight, which is what's based off.","start":377.24503,"end":380.86502,"sentiment":"neutral","sentiment_score":0.0014161652970043092},{"text":"So nothing fixed or cash.","start":382.605,"end":384.46503,"sentiment":"neutral","sentiment_score":0.04781883955001831},{"text":"So, yeah, I don't need to salary sacrifice then because then it puts you to the limit sort of anyway, doesn't it?","start":402.985,"end":407.785,"sentiment":"neutral","sentiment_score":-0.022268776400861414},{"text":"Or the month you earn six months once it goes more, you start to pay for tax or something, don't you?","start":407.785,"end":413.145,"sentiment":"neutral","sentiment_score":-0.015724466226640203},{"text":"Or Yep.","start":413.145,"end":439.705,"sentiment":"neutral","sentiment_score":-0.0029746517539024353}],"sentiment":"neutral","sentiment_score":-0.009367281296214119,"num_words":61,"start":377.24503,"end":439.705},{"sentences":[{"text":"Yep.","start":449.16998,"end":449.66998,"sentiment":"neutral","sentiment_score":-0.008007891476154327},{"text":"So probably best just leaving it really just to have Wigour.","start":451.81,"end":455.43,"sentiment":"neutral","sentiment_score":0.3061623519117182},{"text":"How much difference is it?","start":455.745,"end":467.915,"sentiment":"positive","sentiment_score":0.3600519776344299},{"text":"Yep.","start":467.915,"end":468.415,"sentiment":"neutral","sentiment_score":0.18102407455444336},{"text":"Yeah.","start":486.615,"end":486.855,"sentiment":"neutral","sentiment_score":0.055186107754707336}],"sentiment":"neutral","sentiment_score":0.2840130552649498,"num_words":19,"start":449.16998,"end":486.855},{"sentences":[{"text":"I've got I've got no idea, to tell you the truth.","start":486.855,"end":489.73502,"sentiment":"neutral","sentiment_score":-0.048041351986202324},{"text":"I've just yeah.","start":489.73502,"end":490.535,"sentiment":"neutral","sentiment_score":0.012705397287694117},{"text":"Money comes in, money goes out, and I've always just got money.","start":490.535,"end":493.655,"sentiment":"neutral","sentiment_score":0.04219418174276749},{"text":"So, yeah, if I'm running if I know a few bigger bills are coming up, I'll just do, like, you know, an extra shift or two because of that flexibility or just always just try and make sure I don't go backwards, if you know what I mean.","start":493.655,"end":504.25,"sentiment":"neutral","sentiment_score":0.0778179550737453},{"text":"As long as I'm, yeah, live living a good lifestyle and not going backwards, I'm happy.","start":504.25,"end":508.51,"sentiment":"positive","sentiment_score":0.4962282069027424}],"sentiment":"neutral","sentiment_score":0.12989894061013021,"num_words":90,"start":486.855,"end":508.51},{"sentences":[{"text":"Cash flow.","start":522.32996,"end":523.06995,"sentiment":"neutral","sentiment_score":-0.08222327381372452},{"text":"K.","start":524.92993,"end":525.42993,"sentiment":"neutral","sentiment_score":-0.02590819820761681},{"text":"Yep.","start":527.2899,"end":527.7899,"sentiment":"neutral","sentiment_score":-0.05326724052429199},{"text":"Yep.","start":529.64996,"end":530.14996,"sentiment":"neutral","sentiment_score":-0.04223771020770073},{"text":"Yep.","start":532.00995,"end":532.08997,"sentiment":"neutral","sentiment_score":-0.004152030684053898}],"sentiment":"neutral","sentiment_score":-0.04833528787518541,"num_words":6,"start":522.32996,"end":532.08997},{"sentences":[{"text":"Yes.","start":532.08997,"end":532.58997,"sentiment":"neutral","sentiment_score":-0.008336653932929039},{"text":"Negatively good.","start":532.73,"end":534.26996,"sentiment":"neutral","sentiment_score":0.06805549189448357},{"text":"Yep.","start":542.075,"end":542.575,"sentiment":"neutral","sentiment_score":-0.03056399337947369},{"text":"Just leave it.","start":549.98,"end":554.63995,"sentiment":"neutral","sentiment_score":0.13435204327106476},{"text":"Yep.","start":560.3,"end":560.8,"sentiment":"neutral","sentiment_score":0.33323317766189575}],"sentiment":"neutral","sentiment_score":0.1041874554939568,"num_words":8,"start":532.08997,"end":560.8},{"sentences":[{"text":"Okay.","start":588.735,"end":589.235,"sentiment":"neutral","sentiment_score":0.2689465880393982},{"text":"Okay.","start":607.23004,"end":607.73004,"sentiment":"neutral","sentiment_score":0.152419313788414},{"text":"Okay.","start":613.47003,"end":613.97003,"sentiment":"neutral","sentiment_score":0.12452558428049088},{"text":"Yep.","start":619.165,"end":619.485,"sentiment":"neutral","sentiment_score":0.17246532440185547},{"text":"Okay.","start":619.485,"end":619.805,"sentiment":"neutral","sentiment_score":0.1711731255054474}],"sentiment":"neutral","sentiment_score":0.17790598720312117,"num_words":5,"start":588.735,"end":619.805},{"sentences":[{"text":"Well, worry about that next one in three years, miss.","start":619.805,"end":621.64496,"sentiment":"neutral","sentiment_score":-0.06930187977850437},{"text":"That's not a problem.","start":621.64496,"end":622.785,"sentiment":"positive","sentiment_score":0.3810098469257355},{"text":"Yep.","start":623.64496,"end":624.14496,"sentiment":"neutral","sentiment_score":0.21189014613628387},{"text":"Okay.","start":647.34,"end":647.66003,"sentiment":"neutral","sentiment_score":0.07151597738265991},{"text":"Not a problem.","start":647.66003,"end":648.405,"sentiment":"neutral","sentiment_score":0.18847709397474924}],"sentiment":"neutral","sentiment_score":0.08841357870321524,"num_words":19,"start":619.805,"end":648.405},{"sentences":[{"text":"That's fine.","start":648.645,"end":651.505,"sentiment":"neutral","sentiment_score":0.17871279641985893},{"text":"Yeah.","start":653.36505,"end":653.68506,"sentiment":"neutral","sentiment_score":0.0269074197858572},{"text":"If you don't have that one, send it through.","start":653.68506,"end":654.885,"sentiment":"neutral","sentiment_score":0.0025013034691154542},{"text":"Yeah.","start":654.885,"end":655.125,"sentiment":"neutral","sentiment_score":0.0631474032998085},{"text":"I'll get the wipes printed out, maybe get started on something.","start":655.125,"end":657.54504,"sentiment":"neutral","sentiment_score":0.08058519525961443}],"sentiment":"neutral","sentiment_score":0.05651788729179922,"num_words":24,"start":648.645,"end":657.54504},{"sentences":[{"text":"Okay.","start":676.535,"end":676.855,"sentiment":"neutral","sentiment_score":0.020815342664718628},{"text":"What cash was there?","start":676.855,"end":677.735,"sentiment":"neutral","sentiment_score":-0.0001566061982885003},{"text":"I didn't think I was I think number 8.","start":677.735,"end":682.695,"sentiment":"neutral","sentiment_score":-0.0377215381918682},{"text":"In cash?","start":682.695,"end":683.435,"sentiment":"neutral","sentiment_score":-0.0160429198294878},{"text":"No.","start":685.255,"end":685.57495,"sentiment":"neutral","sentiment_score":-0.056433770805597305}],"sentiment":"neutral","sentiment_score":-0.023989678607048356,"num_words":17,"start":676.535,"end":685.57495},{"sentences":[{"text":"Probably got about $8,085,000, I think, in cash now.","start":685.57495,"end":691.68,"sentiment":"neutral","sentiment_score":-0.0042779287323355675},{"text":"Been doing a lot a lot of traveling.","start":691.68,"end":693.22,"sentiment":"neutral","sentiment_score":0.2379965428262949},{"text":"Yeah.","start":704.495,"end":704.815,"sentiment":"neutral","sentiment_score":0.018600039184093475},{"text":"Tell me about that.","start":704.815,"end":705.53503,"sentiment":"neutral","sentiment_score":0.008315736427903175},{"text":"Yeah.","start":705.53503,"end":705.775,"sentiment":"neutral","sentiment_score":0.05393389984965325}],"sentiment":"neutral","sentiment_score":0.08570729864194342,"num_words":23,"start":685.57495,"end":705.775},{"sentences":[{"text":"Yep.","start":705.775,"end":706.275,"sentiment":"neutral","sentiment_score":0.0670943632721901},{"text":"Yeah.","start":713.215,"end":713.53503,"sentiment":"neutral","sentiment_score":0.05789928138256073},{"text":"I'd say that's conservative.","start":713.53503,"end":714.515,"sentiment":"neutral","sentiment_score":0.07934192940592766},{"text":"I've actually got someone coming tomorrow or Monday because it's been years since I've had it evaluated to give me appraisal.","start":720.14,"end":726.96,"sentiment":"neutral","sentiment_score":0.028912266006781942},{"text":"So just looking at other options.","start":727.10004,"end":728.555,"sentiment":"neutral","sentiment_score":0.060143631572524704}],"sentiment":"neutral","sentiment_score":0.04273881023806153,"num_words":33,"start":705.775,"end":728.555},{"sentences":[{"text":"So I think because we wanna move to Queensland next year, although I'm staying in my job and so is my wife.","start":728.555,"end":734.09503,"sentiment":"neutral","sentiment_score":0.16319945827126503},{"text":"You know, whether we should rent the house out or sell it and buy other properties up in Queensland and so much things sort of happening, but, yeah, I just sort of at least see what it's worth at the moment and get a market value and a rental appraisal and just see which way we wanna go to you.","start":735.515,"end":752.25,"sentiment":"neutral","sentiment_score":0.041394227091223},{"text":"Sunshine Coast.","start":754.785,"end":755.745,"sentiment":"neutral","sentiment_score":0.06323743984103203},{"text":"My daughter's already up there, and that's where we bought the investment property already.","start":755.745,"end":758.805,"sentiment":"neutral","sentiment_score":0.043227596674114466},{"text":"But, yeah, my son starts high school.","start":760.305,"end":761.745,"sentiment":"neutral","sentiment_score":0.073017881917102}],"sentiment":"neutral","sentiment_score":0.06968407727600563,"num_words":105,"start":728.555,"end":761.745},{"sentences":[{"text":"My youngest son, we only got one dependent now.","start":761.745,"end":763.505,"sentiment":"neutral","sentiment_score":0.051650158853994474},{"text":"The other three are all 25 to 19.","start":763.505,"end":766.40497,"sentiment":"neutral","sentiment_score":0.02627255069091916},{"text":"But, yeah, we wanna start in the high school probably up there in Mountain Creek High School.","start":766.705,"end":770.96,"sentiment":"neutral","sentiment_score":0.16982497318702586},{"text":"That's what my wife likes.","start":770.96,"end":772.18,"sentiment":"positive","sentiment_score":0.3463884055614471},{"text":"So we got now next year, they will work out just whether we're gonna sell our house or just rent it.","start":772.72003,"end":776.64,"sentiment":"neutral","sentiment_score":0.09669828787446022}],"sentiment":"neutral","sentiment_score":0.12207770754272738,"num_words":60,"start":761.745,"end":776.64},{"sentences":[{"text":"I'm thinking we're just gonna rent it out for a couple of years and get another cheaper investment property out there to live into.","start":776.64,"end":783.03503,"sentiment":"neutral","sentiment_score":0.09321238504101832},{"text":"So I'm not invest probably just a cheaper property to live in and then use that rent rent in our house.","start":783.495,"end":788.375,"sentiment":"neutral","sentiment_score":-0.047411938153562094},{"text":"You have to pay off that one.","start":788.375,"end":789.335,"sentiment":"neutral","sentiment_score":-0.06040211021900177},{"text":"That's what it's a sort of plan.","start":789.335,"end":791.025,"sentiment":"neutral","sentiment_score":0.0463224362049784},{"text":"Yep.","start":791.025,"end":791.525,"sentiment":"neutral","sentiment_score":0.0937405675649643}],"sentiment":"neutral","sentiment_score":0.02061048982044061,"num_words":60,"start":776.64,"end":791.525},{"sentences":[{"text":"Yeah.","start":795.69,"end":796.19,"sentiment":"neutral","sentiment_score":0.08748900890350342},{"text":"Yeah.","start":804.25,"end":804.49005,"sentiment":"neutral","sentiment_score":0.10477915406227112},{"text":"I love yeah.","start":804.49005,"end":806.17004,"sentiment":"neutral","sentiment_score":0.28577149162689847},{"text":"I have to live in forty odd plus years in Sydney.","start":806.17004,"end":808.25,"sentiment":"neutral","sentiment_score":0.05912489105354656},{"text":"I just wanna take a step.","start":808.25,"end":809.815,"sentiment":"neutral","sentiment_score":0.10943217948079109}],"sentiment":"neutral","sentiment_score":0.10711588710546494,"num_words":22,"start":795.69,"end":809.815},{"sentences":[{"text":"We still gotta keep our jobs here and just I'll I'll have the luxury of flying in and flying out and vice versa.","start":809.815,"end":814.855,"sentiment":"neutral","sentiment_score":0.06676075137827707},{"text":"But, yeah, I can't handle the traffic and the demographics is changing too much lately.","start":814.855,"end":819.115,"sentiment":"neutral","sentiment_score":-0.33276982605457306},{"text":"Yep.","start":824.81,"end":825.31,"sentiment":"neutral","sentiment_score":-0.040757667273283005},{"text":"Yep.","start":831.85,"end":832.17,"sentiment":"neutral","sentiment_score":0.0000490254424221348},{"text":"Yep.","start":832.17,"end":832.67,"sentiment":"neutral","sentiment_score":0.007897384464740753}],"sentiment":"neutral","sentiment_score":-0.08509417967034984,"num_words":41,"start":809.815,"end":832.67},{"sentences":[{"text":"Yep.","start":832.73,"end":833.23,"sentiment":"neutral","sentiment_score":0.019769087433815},{"text":"Definitely no regrets in the movie, is it?","start":836.88995,"end":838.935,"sentiment":"neutral","sentiment_score":0.023108151275664568},{"text":"Yes.","start":840.615,"end":840.935,"sentiment":"neutral","sentiment_score":0.015233339741826056},{"text":"He 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alright.","start":852.07,"end":858.49,"sentiment":"neutral","sentiment_score":0.001376270316541188}],"sentiment":"neutral","sentiment_score":0.0932272500358522,"num_words":8,"start":841.735,"end":858.49},{"sentences":[{"text":"Yep.","start":861.35004,"end":861.67,"sentiment":"neutral","sentiment_score":0.03559397906064987},{"text":"Yep.","start":861.67,"end":862.17,"sentiment":"neutral","sentiment_score":0.055732615292072296},{"text":"Yep.","start":863.445,"end":863.945,"sentiment":"neutral","sentiment_score":0.08224108815193176},{"text":"Yep.","start":874.565,"end":875.065,"sentiment":"neutral","sentiment_score":0.09131943434476852},{"text":"Everything's fine.","start":875.125,"end":875.765,"sentiment":"neutral","sentiment_score":0.19687114655971527}],"sentiment":"neutral","sentiment_score":0.10977156832814217,"num_words":6,"start":861.35004,"end":875.765},{"sentences":[{"text":"Everything's perfect.","start":875.765,"end":876.825,"sentiment":"positive","sentiment_score":0.4002554714679718},{"text":"Yep.","start":877.045,"end":877.545,"sentiment":"neutral","sentiment_score":0.1334298551082611},{"text":"Yes.","start":887.52,"end":887.76,"sentiment":"neutral","sentiment_score":-0.11680752038955688},{"text":"It's very outdated.","start":887.76,"end":888.8,"sentiment":"neutral","sentiment_score":-0.23514497776826224},{"text":"I remember one time we've done it when the kids were younger and before we went to South Africa because we got my wife and we're going to South Africa.","start":888.8,"end":895.355,"sentiment":"neutral","sentiment_score":-0.08594504818320274}],"sentiment":"neutral","sentiment_score":-0.06666630003097895,"num_words":37,"start":875.765,"end":895.355},{"sentences":[{"text":"And and we end up leaving her, like, the guardians of the wheel of the kids and other things.","start":895.815,"end":902.455,"sentiment":"neutral","sentiment_score":-0.059513039690883535},{"text":"But now all my three of my kids are adults and, yeah, it oh, yeah.","start":902.455,"end":907.41,"sentiment":"neutral","sentiment_score":-0.03997052485744158},{"text":"I should definitely need to change it to at least change it to them being in check it as in control and vice versa.","start":907.41,"end":913.99,"sentiment":"neutral","sentiment_score":-0.007012569500754277},{"text":"Yep.","start":918.93,"end":919.43,"sentiment":"neutral","sentiment_score":0.06674012541770935},{"text":"Okay.","start":931.725,"end":932.125,"sentiment":"neutral","sentiment_score":0.05136997997760773}],"sentiment":"neutral","sentiment_score":-0.029674953160186607,"num_words":60,"start":895.815,"end":932.125},{"sentences":[{"text":"Yep.","start":932.125,"end":932.52496,"sentiment":"neutral","sentiment_score":0.041533514857292175},{"text":"So should we just go to that same system views, like, over ten years ago and just get it updated?","start":932.52496,"end":939.61005,"sentiment":"neutral","sentiment_score":0.035085324011743066},{"text":"Or Okay.","start":939.61005,"end":962.21,"sentiment":"neutral","sentiment_score":0.03736875392496586},{"text":"Okay.","start":975.405,"end":975.905,"sentiment":"neutral","sentiment_score":0.10303524136543274},{"text":"And will and once you pay for a will, they never expire.","start":979.885,"end":982.605,"sentiment":"neutral","sentiment_score":0.07691179402172565}],"sentiment":"neutral","sentiment_score":0.051220952015784055,"num_words":36,"start":932.125,"end":982.605},{"sentences":[{"text":"They just sit there till you get a new will or you die?","start":982.605,"end":986.465,"sentiment":"neutral","sentiment_score":0.027522634141720258},{"text":"Yeah.","start":996.3,"end":996.45996,"sentiment":"neutral","sentiment_score":-0.026554465293884277},{"text":"No.","start":996.45996,"end":996.7,"sentiment":"neutral","sentiment_score":-0.23198768496513367},{"text":"That's shit.","start":996.7,"end":997.44,"sentiment":"negative","sentiment_score":-0.37735727429389954},{"text":"Yep.","start":1011.21497,"end":1011.71497,"sentiment":"negative","sentiment_score":-0.376243531703949}],"sentiment":"neutral","sentiment_score":-0.057316999261577926,"num_words":18,"start":982.605,"end":1011.71497},{"sentences":[{"text":"No.","start":1012.89496,"end":1013.13495,"sentiment":"neutral","sentiment_score":-0.1294875144958496},{"text":"The last room last room worked together.","start":1013.13495,"end":1015.39496,"sentiment":"neutral","sentiment_score":-0.08316549765212196},{"text":"So 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just go get the cheapest first.","start":1049.51,"end":1055.845,"sentiment":"neutral","sentiment_score":0.157026074330012}],"sentiment":"neutral","sentiment_score":0.15874059072562627,"num_words":35,"start":1045.43,"end":1055.845},{"sentences":[{"text":"Yep.","start":1061.665,"end":1062.165,"sentiment":"neutral","sentiment_score":0.1513403058052063},{"text":"Yeah.","start":1067.985,"end":1068.225,"sentiment":"neutral","sentiment_score":0.14786584675312042},{"text":"That's fine.","start":1068.225,"end":1068.87,"sentiment":"neutral","sentiment_score":0.24157606065273285},{"text":"Yep.","start":1078.23,"end":1078.73,"sentiment":"neutral","sentiment_score":0.1890242099761963},{"text":"Okay.","start":1092.365,"end":1092.8451,"sentiment":"neutral","sentiment_score":0.18610483407974243}],"sentiment":"neutral","sentiment_score":0.19291455298662186,"num_words":6,"start":1061.665,"end":1092.8451},{"sentences":[{"text":"Okay.","start":1092.8451,"end":1093.245,"sentiment":"neutral","sentiment_score":0.20897847414016724},{"text":"No problem.","start":1093.245,"end":1093.9651,"sentiment":"neutral","sentiment_score":0.32771559059619904},{"text":"It's good.","start":1093.9651,"end":1094.7051,"sentiment":"positive","sentiment_score":0.5984715074300766},{"text":"Yep.","start":1109.3,"end":1109.8,"sentiment":"neutral","sentiment_score":0.04227207601070404},{"text":"Yeah.","start":1109.9401,"end":1110.26,"sentiment":"neutral","sentiment_score":0.02209683321416378}],"sentiment":"neutral","sentiment_score":0.3036745113453695,"num_words":7,"start":1092.8451,"end":1110.26},{"sentences":[{"text":"Well, yeah, the main one is is moving to Sunshine Coast.","start":1110.26,"end":1115.705,"sentiment":"neutral","sentiment_score":0.06942482097921046},{"text":"And then soon as this house is settled on May, we wanna try and get something else cheap up there to get in the catchment area, Mountain Creek High School, get my son to the school, and sort of live between Sydney and there.","start":1115.705,"end":1127.7999,"sentiment":"neutral","sentiment_score":0.09395839604125782},{"text":"But but, yeah, there's something like a cheaper sort of place, you 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not.","start":1219.975,"end":1221.335,"sentiment":"neutral","sentiment_score":-0.18683959543704987},{"text":"I'd probably have to say 65.","start":1221.335,"end":1223.115,"sentiment":"neutral","sentiment_score":-0.10633798564473788}],"sentiment":"neutral","sentiment_score":-0.10415456431607405,"num_words":15,"start":1196.165,"end":1223.115},{"sentences":[{"text":"Yep.","start":1225.255,"end":1225.755,"sentiment":"neutral","sentiment_score":0.047466084361076355},{"text":"And with a thousand dollars a week.","start":1225.895,"end":1227.495,"sentiment":"neutral","sentiment_score":0.05750718393496105},{"text":"When I've done that about five years ago, you probably realized thousand dollars a week.","start":1227.495,"end":1230.615,"sentiment":"neutral","sentiment_score":0.07353970110416412},{"text":"So it's been $2,000 a week now.","start":1230.615,"end":1232.7949,"sentiment":"neutral","sentiment_score":0.053098702537161965},{"text":"Yeah.","start":1235.74,"end":1235.98,"sentiment":"neutral","sentiment_score":0.03866139054298401}],"sentiment":"neutral","sentiment_score":0.06333755473456075,"num_words":31,"start":1225.255,"end":1235.98},{"sentences":[{"text":"Probably, I'd say 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know.","start":1279.0851,"end":1279.745,"sentiment":"neutral","sentiment_score":0.005382459610700607},{"text":"Yes, Dan.","start":1280.925,"end":1281.5651,"sentiment":"neutral","sentiment_score":0.04300621896982193},{"text":"I I just I just know that Trump's since Trump's been in office and something else has always been going on around the world that it's just not really doing anything anymore.","start":1281.5651,"end":1289.5099,"sentiment":"neutral","sentiment_score":-0.1947682595346123}],"sentiment":"neutral","sentiment_score":-0.1336520511519026,"num_words":54,"start":1263.57,"end":1289.5099},{"sentences":[{"text":"And then I don't know whether it's the right time to take more risk or not or just like I said, it just feels like these last twelve months has just been contributions.","start":1289.6499,"end":1297.2699,"sentiment":"neutral","sentiment_score":-0.170358050727483},{"text":"The only thing that's going in there and, yeah, it's never actually it's actually really performed around or anything.","start":1297.33,"end":1302.245,"sentiment":"neutral","sentiment_score":-0.0991850852182037},{"text":"So yeah.","start":1302.7051,"end":1303.765,"sentiment":"neutral","sentiment_score":0.1705038994550705},{"text":"Okay.","start":1308.785,"end":1309.285,"sentiment":"neutral","sentiment_score":0.1193380206823349},{"text":"Alrighty.","start":1309.3451,"end":1309.8451,"sentiment":"positive","sentiment_score":0.34913307428359985}],"sentiment":"neutral","sentiment_score":-0.11958666784422738,"num_words":56,"start":1289.6499,"end":1309.8451},{"sentences":[{"text":"Yep.","start":1317.93,"end":1318.43,"sentiment":"neutral","sentiment_score":-0.011803275905549526},{"text":"When you when you when you guys factors factor percentage of yearly growth in that, is that including the contributions I put in or nothing to do with the contributions I put in?","start":1325.93,"end":1336.215,"sentiment":"neutral","sentiment_score":-0.01919496093284},{"text":"Okay.","start":1340.03,"end":1340.51,"sentiment":"neutral","sentiment_score":0.03822113573551178},{"text":"Okay.","start":1340.51,"end":1341.01,"sentiment":"neutral","sentiment_score":0.04992121085524559},{"text":"Yep.","start":1341.3099,"end":1341.5499,"sentiment":"neutral","sentiment_score":0.10418204963207243}],"sentiment":"neutral","sentiment_score":-0.01224088082341729,"num_words":37,"start":1317.93,"end":1341.5499},{"sentences":[{"text":"Yep.","start":1341.5499,"end":1342.0499,"sentiment":"neutral","sentiment_score":0.12490414828062056},{"text":"Okay.","start":1347.87,"end":1348.37,"sentiment":"neutral","sentiment_score":0.18502965569496155},{"text":"Yep.","start":1349.15,"end":1349.47,"sentiment":"neutral","sentiment_score":0.11389361321926116},{"text":"I'll probably just leave it how it is then if it hasn't done too bad.","start":1349.47,"end":1352.61,"sentiment":"neutral","sentiment_score":0.06695112735033035},{"text":"K.","start":1367.415,"end":1367.915,"sentiment":"positive","sentiment_score":0.8098849058151245}],"sentiment":"neutral","sentiment_score":0.11778838069815385,"num_words":19,"start":1341.5499,"end":1367.915},{"sentences":[{"text":"Okay.","start":1372.27,"end":1372.77,"sentiment":"neutral","sentiment_score":0.33249083161354065},{"text":"Sorry.","start":1387.865,"end":1388.1051,"sentiment":"neutral","sentiment_score":-0.14022302627563477},{"text":"You're break you're breaking up at the moment.","start":1388.1051,"end":1389.805,"sentiment":"neutral","sentiment_score":-0.31646616756916046},{"text":"No.","start":1393.145,"end":1393.385,"sentiment":"neutral","sentiment_score":-0.15892331302165985},{"text":"The line's just I'm sort of getting every second word at the moment for some reason.","start":1393.385,"end":1396.6051,"sentiment":"neutral","sentiment_score":-0.13718961458653212}],"sentiment":"neutral","sentiment_score":-0.17383032154153893,"num_words":27,"start":1372.27,"end":1396.6051},{"sentences":[{"text":"Just going past the airport at Sydney.","start":1396.8401,"end":1398.8601,"sentiment":"neutral","sentiment_score":-0.012415091374090739},{"text":"Yep.","start":1403.64,"end":1404.14,"sentiment":"neutral","sentiment_score":0.036047130823135376},{"text":"I I'll sit around this corner, and I'll just see if it picks up.","start":1404.8,"end":1408.3601,"sentiment":"neutral","sentiment_score":-0.017990156342940673},{"text":"Can you just keep talking for a sec?","start":1408.3601,"end":1409.9801,"sentiment":"neutral","sentiment_score":-0.02419559587724507},{"text":"Okay.","start":1412.025,"end":1412.2117,"sentiment":"neutral","sentiment_score":-0.03522150591015816}],"sentiment":"neutral","sentiment_score":-0.0171453861459609,"num_words":31,"start":1396.8401,"end":1412.2117},{"sentences":[{"text":"Yeah.","start":1412.2117,"end":1412.3983,"sentiment":"neutral","sentiment_score":-0.005635516718029976},{"text":"Yeah.","start":1412.3983,"end":1412.585,"sentiment":"neutral","sentiment_score":0.01062118262052536},{"text":"You're back now.","start":1412.585,"end":1413.225,"sentiment":"neutral","sentiment_score":0.024910800779859226},{"text":"Yeah.","start":1413.225,"end":1413.725,"sentiment":"neutral","sentiment_score":0.10621357709169388},{"text":"Well well.","start":1456.52,"end":1457.3401,"sentiment":"neutral","sentiment_score":0.2780844271183014}],"sentiment":"neutral","sentiment_score":0.09276256244629622,"num_words":8,"start":1412.2117,"end":1457.3401},{"sentences":[{"text":"Sorry.","start":1497.795,"end":1498.115,"sentiment":"neutral","sentiment_score":-0.06818567216396332},{"text":"It's the line's going really bad again at the moment.","start":1498.115,"end":1501.795,"sentiment":"negative","sentiment_score":-0.41302548721432686},{"text":"Sorry about this.","start":1501.795,"end":1502.8551,"sentiment":"neutral","sentiment_score":-0.23143784205118814},{"text":"Did you mind just calling back in a minute?","start":1506.82,"end":1508.5,"sentiment":"neutral","sentiment_score":-0.028411807906296518},{"text":"Like, one minute or something just to see if I can change the line because I'm yet so yeah.","start":1508.5,"end":1513.94,"sentiment":"neutral","sentiment_score":-0.020733562543203955}],"sentiment":"neutral","sentiment_score":-0.13196185785567477,"num_words":42,"start":1497.795,"end":1513.94},{"sentences":[{"text":"Sorry.","start":1513.94,"end":1514.44,"sentiment":"neutral","sentiment_score":-0.04727999493479729},{"text":"Thank you.","start":1516.02,"end":1516.58,"sentiment":"neutral","sentiment_score":0.2835177332162857},{"text":"Thank you.","start":1516.58,"end":1517.24,"sentiment":"positive","sentiment_score":0.36861397325992584}],"sentiment":"neutral","sentiment_score":0.2513966836035252,"num_words":5,"start":1513.94,"end":1517.24}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Good afternoon. Is this Jamie?\n\nChannel 1: Yes. Speaking. How you doing?\n\nChannel 0: Yeah. Go ahead. It's Veronica from x u financial.\n\nChannel 1: Yeah. How's things?\n\nChannel 0: Hi. Yeah. Good. How how's your morning been?\n\nChannel 1: Yeah. Pretty pretty busy. A lot going on as usual. Just heading to work now, but I've got plenty of time to talk.\n\nChannel 0: Yeah. Alright, Papi. You're happy to do that, or, like, while you're driving, if that's okay with you?\n\nChannel 1: Yeah. That's fine. Yeah.\n\nChannel 0: Yes.\n\nChannel 1: Yep.\n\nChannel 0: Yes.\n\nChannel 1: It's it's\n\nChannel 0: Perfect.\n\nChannel 1: time to get me.\n\nChannel 0: No. That's all good. Now, Jamie, before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.\n\nChannel 1: Yeah. That's fine.\n\nChannel 0: Perfect. And just to confirm I am speaking with the right person, just for security purposes, could you just confirm your full name, date of birth, and address, please?\n\nChannel 1: Jamie Kelly, second of the '8 70 '7 and 77 Clare Avenue, Roushill, New South Wales 2 at Number 5.\n\nChannel 0: Yeah. Amazing. Now before I do kind of jump into the interview, I do like to start by asking if there is anything specific that you are hoping to get out of the review today or any areas you would like me to focus on a little bit more or whether it's just just a bit of a general kind of catch up and seeing kind of what's happened in the last twelve months.\n\nChannel 1: Yeah. Nothing too major. Just as far\n\nChannel 0: Mhmm.\n\nChannel 1: as I'm hoping there's some positive views. It's all doom and gloom because the last year, obviously, has been not so good.\n\nChannel 0: Yep.\n\nChannel 1: But, yeah, obviously,\n\nChannel 0: Yes.\n\nChannel 1: that's the potential because my returns and that sort of stuff. But\n\nChannel 0: Yep.\n\nChannel 1: I'm also\n\nChannel 0: Yep.\n\nChannel 1: in the process with the Brook Jurassic, whatever name is, from I just purchased an investment property\n\nChannel 0: Oh, yeah.\n\nChannel 1: as\n\nChannel 0: Beautiful.\n\nChannel 1: well. Yeah.\n\nChannel 0: And\n\nChannel 1: Through\n\nChannel 0: how's\n\nChannel 1: the gold as well.\n\nChannel 0: that and how's\n\nChannel 1: Well, it\n\nChannel 0: that\n\nChannel 1: settles\n\nChannel 0: where is that kind of at? Yeah.\n\nChannel 1: on settles on the May 11, the house.\n\nChannel 0: Oh, nice.\n\nChannel 1: So\n\nChannel 0: Hopefully,\n\nChannel 1: then\n\nChannel 0: that will\n\nChannel 1: yeah.\n\nChannel 0: go as well.\n\nChannel 1: Yeah. Then I've got, obviously, then try and work out all the whole it's been twenty years since I've invested properties. So how the tech how the tech\n\nChannel 0: Yeah.\n\nChannel 1: side of things work and trying to juggle everything again.\n\nChannel 0: Yeah. And if it is that when you do get everything settled and when it comes to doing, obviously, your tax return and how to kind of, I guess, maximize deductions and stuff like that, just let us know if you would like me to refer you on through one of the accountants that we work closely with Or if you\n\nChannel 1: Yep.\n\nChannel 0: do have someone, if it is something that you do need assistance with, just give me\n\nChannel 1: Yep.\n\nChannel 0: a call, and I can always get them through to to give you a call through, kind of go through all of that with you because it can get a bit complex at times as well.\n\nChannel 1: Yes. Because I got on this investment property, I got my wife's and my older son's name on it as well. So so I think we'd have to do all our taxes together then, wouldn't we, at the same time\n\nChannel 0: Yes.\n\nChannel 1: or something?\n\nChannel 0: Yes. Yes. And\n\nChannel 1: Yep.\n\nChannel 0: they can\n\nChannel 1: Yep.\n\nChannel 0: do that as well. So often, they can do, like, the family together, and then they can, kind of, I guess, advice on the best way to split it, to maximize, you know, the the tax that you guys will get back and what to claim and stuff. So do you do you know how much the property was worth or how much you bought it for?\n\nChannel 1: We got it for $9.75.\n\nChannel 0: 9\n\nChannel 1: The\n\nChannel 0: 70\n\nChannel 1: tenant the\n\nChannel 0: 5.\n\nChannel 1: vendor, sorry, originally wanted 1.1, but because I knew they had since I don't really want real estate agents too much. They were some car sales. We knew they had bridging\n\nChannel 0: Yeah.\n\nChannel 1: loans, other things, and they were in trouble. So we\n\nChannel 0: Yeah.\n\nChannel 1: just slow bought them. And then come to a day to go. They had to accept our offer offer of $9.75 because\n\nChannel 0: Yeah.\n\nChannel 1: we didn't really care if we got that one or not. We weren't in a rush for an interest. It was a couple of\n\nChannel 0: Yeah.\n\nChannel 1: doors down from my daughter's house, which sort\n\nChannel 0: Oh,\n\nChannel 1: of\n\nChannel 0: nice.\n\nChannel 1: appealed to us. But,\n\nChannel 0: Yeah.\n\nChannel 1: yeah, we got it at the right price. So then, yeah, we went ahead with it. And so\n\nChannel 0: Beautiful. And do you know the mortgage on it? How much is how much that was in roughly?\n\nChannel 1: a mortgage will be so the way she set it up is so my son could get into a two little separate loans of, say, for for example, a $100,000 each to get a 20\n\nChannel 0: Yep.\n\nChannel 1: deposit,\n\nChannel 0: Yes.\n\nChannel 1: and then the mortgage would be the remaining of the 80% of the $9.75.\n\nChannel 0: Okay. Yep. Perfect.\n\nChannel 1: So yeah. Just saying because he didn't have enough money saved and other things to keep just to keep him at 50% still.\n\nChannel 0: Yeah. Oh, nice. That's good. So I'm\n\nChannel 1: Yeah.\n\nChannel 0: glad that kind of all worked out and that they've been helpful for you. And, yeah, hopefully,\n\nChannel 1: Yep.\n\nChannel 0: everything goes well at settlement. Now before I kinda jump into your your super and your performances and kind of what's happened, I do wanna quickly run through a bit of an updated fax line. Now I know you've kind of gone through some of the information all already, so I'll skip over those just so I don't waste too much of your time.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Now when it comes to next obtained, so I don't actually have someone nominated, and that is just if for some reason we cannot get in touch with you. Who would you like us to contact?\n\nChannel 1: My wife.\n\nChannel 0: Yep. Perfect. Jade?\n\nChannel 1: Yes. Jade Kelly.\n\nChannel 0: Yep. Perfect, Jade. And her best contact number?\n\nChannel 1: 0408669501.\n\nChannel 0: That's good to remembering that by heart. A lot of people are like, oh, I should know this, but it's not something you normally have to remember nowadays. So so that's very good.\n\nChannel 1: I struggle to remember her name or names, but numbers I can't forget. I'm good with numbers.\n\nChannel 0: Well, at least you know how to call her.\n\nChannel 1: Yeah.\n\nChannel 0: Now employment wise, has any has anything changed in the last twelve twelve months or still kind of doing the same?\n\nChannel 1: No. Last year last year was a bit worse because I had five months off with the hernia, had an operation\n\nChannel 0: Yep.\n\nChannel 1: and that sort of stuff. I think that's why I was only 140,000 for the year in my salary. But this year,\n\nChannel 0: Yep.\n\nChannel 1: I'm sort of we've not long to go. I'm rejected to sort of make the to $200,000 mark this year. So\n\nChannel 0: Yep. Beautiful.\n\nChannel 1: it's going going better.\n\nChannel 0: Yeah. And that will obviously help your super as well with the employee contributions and everything that goes into it.\n\nChannel 1: Yeah. That was last fortnightly. It was about $1,250 just last fortnightly's contributions.\n\nChannel 0: Yeah. Especially because, yeah, if your income is about roughly the 200,000, and they just paid you that standard 12%, like the standard rules.\n\nChannel 1: Yeah. Whatever whatever.\n\nChannel 0: Yeah.\n\nChannel 1: Because my wage changes four months. So it's whatever I earn fortnight, which is what's based off.\n\nChannel 0: Yep. Yep. Perfect.\n\nChannel 1: So nothing\n\nChannel 0: If on\n\nChannel 1: fixed or cash.\n\nChannel 0: yeah. Yeah. Perfect. So if it kind of if on average, if we use a yearly basis, if it's around 200,000 in a year, that equates to about 24,000. Now that will be taxed at 15%, but still, it is a decent chunk going in, which is good.\n\nIt's\n\nChannel 1: So, yeah, I don't need to salary sacrifice then because then it puts you to the limit sort of anyway, doesn't it? Or the month you earn six months once it goes more, you start to pay for tax or something,\n\nChannel 0: it\n\nChannel 1: don't you? Or\n\nChannel 0: yes. The limit is 30,000. So each financial year at the moment so to to kind of salary sacrifice and take advantage on it from a tax saving point of view, it would like, the pretax contribution cap is 30,000. So if you have about 200, you're already at about 24. So you do have 6,000 less, but if your income\n\nChannel 1: Yep.\n\nChannel 0: does fluctuate and you think you're gonna earn more than 200, just be mindful of if you do want a salary sacrifice to\n\nChannel 1: Yep.\n\nChannel 0: not exceed that that cap space. So\n\nChannel 1: So probably best just leaving it really just to have Wigour. How much difference\n\nChannel 0: it's it's kind of up to you\n\nChannel 1: is\n\nChannel 0: at the end of the day. Salary sacrificing is a great way to boost your super, and it's also a tax effective way because it comes out pretax, so it does reduce your taxable income.\n\nChannel 1: it? Yep.\n\nChannel 0: Typically, the the way that I would kind of word it is, well, on a a weekly basis or monthly or fortnightly, depending how you do your your cash flow, do you have much left over? Like, how much do you save per week, would\n\nChannel 1: Yeah.\n\nChannel 0: you say?\n\nChannel 1: I've got I've got no idea, to tell you the truth. I've just yeah. Money comes in, money goes out, and I've always just got money. So, yeah,\n\nChannel 0: Yeah.\n\nChannel 1: if I'm running\n\nChannel 0: And\n\nChannel 1: if I know a\n\nChannel 0: more\n\nChannel 1: few bigger bills are coming up, I'll just do, like, you know, an extra shift or two because of that flexibility or just\n\nChannel 0: yes.\n\nChannel 1: always just try and make sure I don't go backwards, if you know what I mean. As long as I'm,\n\nChannel 0: Yes.\n\nChannel 1: yeah, live living a\n\nChannel 0: Yes.\n\nChannel 1: good lifestyle and not going backwards, I'm happy.\n\nChannel 0: Yeah. Yeah. Because that's usually the first point is like, okay. Well, especially with an investment property as well, I would be a little bit more kind of hesitant to start unless you are very certain of your your cash flow\n\nChannel 1: Cash\n\nChannel 0: right\n\nChannel 1: flow.\n\nChannel 0: now because with the investment property\n\nChannel 1: K.\n\nChannel 0: as well, is it do you know if it's\n\nChannel 1: Yep.\n\nChannel 0: positively or negatively geared? Do you guys have\n\nChannel 1: Yep.\n\nChannel 0: to pay a portion yourself?\n\nChannel 1: Yep. Yes. Negatively\n\nChannel 0: Yes.\n\nChannel 1: good.\n\nChannel 0: Yep. So tax is great on that point of view, but, yes, obviously, you then have to cover a little bit of that shortfall. So\n\nChannel 1: Yep.\n\nChannel 0: I would even say that just to make sure, you can always start salary sacrifice, and you can stop it whenever. It's very easy for your employer. But\n\nChannel 1: Just\n\nChannel 0: given what you guys have coming up at the moment, I would\n\nChannel 1: leave\n\nChannel 0: say\n\nChannel 1: it.\n\nChannel 0: it might be better to to wait until you've settled into the investment property and, have a\n\nChannel 1: Yep.\n\nChannel 0: little bit more kind of guidance on your cash flow. And then when you have that, what I can do for you anyway is I can send you a cash flow and budget spreadsheet. Completely up to you if it's something you do wanna, you know, complete. But it is usually a good way to get started and thinking, okay. Well, how much am I actually saving each month or week, and how much of that could I put aside to if I wanted to without it impacting any other goals or anything else I want to do?\n\nChannel 1: Okay.\n\nChannel 0: And then from that, we can be like, okay. Well, let's say if you say, oh, I can come to input for 50 or $100 a week, and it doesn't impact anything else, then I can run the numbers of making sure you don't exceed any cut spaces and how that would look like in terms of extra contributions and tax. But I would\n\nChannel 1: Okay.\n\nChannel 0: usually start with the saving aspect of how much you could come and put aside first. Just because\n\nChannel 1: Okay.\n\nChannel 0: I don't want you to put more in, and then it gets locked in, and then you need it.\n\nChannel 1: Yep. Okay. Well, worry about that next one\n\nChannel 0: Yep.\n\nChannel 1: in three years, miss. That's not a problem.\n\nChannel 0: Yeah. And if anything\n\nChannel 1: Yep.\n\nChannel 0: changes, like, any you know, you can contact us whenever you want to as well. So it doesn't have to be at review time. Even if, you know, if you get it in May, even in August or something, you go, oh, I have a pretty good understanding now. Just give me a call, and we can always book you in and talk about it then. Or if it's earlier or if, you know, we don't hear from you, I'll make a little note that next under review, it's something we can kind of discuss again to see where things are at.\n\nChannel 1: Okay. Not a problem. That's\n\nChannel 0: Yep. Would you like me to send you a cash loan\n\nChannel 1: fine.\n\nChannel 0: by this spreadsheet? Would that be helpful?\n\nChannel 1: Yeah. If you don't have that one, send it through.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. I'll get the wipes printed\n\nChannel 0: Yeah.\n\nChannel 1: out, maybe get started on something.\n\nChannel 0: Yeah. Perfect. I will get that emailed to you. Otherwise, other assets, I think you confirmed all of that with Jordan yesterday, your property, your four cars, and the cash as well. No other changes otherwise.\n\nChannel 1: Okay. What cash was there? I didn't think I was I think number\n\nChannel 0: 125,000. Or\n\nChannel 1: 8.\n\nChannel 0: did anything\n\nChannel 1: In cash?\n\nChannel 0: go through the yes.\n\nChannel 1: No. Probably got\n\nChannel 0: Nope.\n\nChannel 1: about $8,085,000, I think, in cash\n\nChannel 0: Alright. Perfect. 85.\n\nChannel 1: now.\n\nChannel 0: And\n\nChannel 1: Been\n\nChannel 0: just\n\nChannel 1: doing a lot\n\nChannel 0: triple\n\nChannel 1: a lot\n\nChannel 0: to\n\nChannel 1: of traveling.\n\nChannel 0: that's nice. Sorry. And, otherwise, cars and motorbikes combined value at about $1.50. That's still correct?\n\nChannel 1: Yeah. Tell me about that. Yeah. Yep.\n\nChannel 0: Yep. Perfect. And your property is valued about 2.3 mil?\n\nChannel 1: Yeah. I'd say that's conservative.\n\nChannel 0: Yep. How much would you or do you think, like, $2.04, $2.05?\n\nChannel 1: I've actually got someone coming tomorrow or Monday because it's been years since I've had it evaluated to give me\n\nChannel 0: Oh, yeah.\n\nChannel 1: appraisal. So\n\nChannel 0: Bit of a update.\n\nChannel 1: just looking at other\n\nChannel 0: Oh,\n\nChannel 1: options.\n\nChannel 0: that's\n\nChannel 1: So\n\nChannel 0: good.\n\nChannel 1: I think because we wanna move to Queensland next year, although I'm staying in my job and so is my wife.\n\nChannel 0: Yeah.\n\nChannel 1: You know, whether we should rent the house out or sell it and buy other properties up in Queensland and so much things\n\nChannel 0: Yeah.\n\nChannel 1: sort of happening, but, yeah, I just sort of at least see what it's worth at the moment\n\nChannel 0: Yeah. Yeah. Yeah.\n\nChannel 1: and\n\nChannel 0: Oh, it's a good idea.\n\nChannel 1: get a market value and a rental appraisal and just see which way we wanna\n\nChannel 0: Yeah.\n\nChannel 1: go to you.\n\nChannel 0: And where where in Queensland are you looking at? Relocating\n\nChannel 1: Sunshine\n\nChannel 0: through.\n\nChannel 1: Coast.\n\nChannel 0: Oh,\n\nChannel 1: My daughter's\n\nChannel 0: no.\n\nChannel 1: already up there, and that's where we bought the investment property already.\n\nChannel 0: Oh, yes.\n\nChannel 1: But, yeah, my son starts high school. My youngest son, we only got one dependent now. The other three are\n\nChannel 0: Yep.\n\nChannel 1: all 25 to 19. But,\n\nChannel 0: Yeah.\n\nChannel 1: yeah, we wanna start in the high school probably up there in Mountain Creek High School. That's what my wife likes.\n\nChannel 0: Oh, yes. Yeah.\n\nChannel 1: So we got\n\nChannel 0: Oh,\n\nChannel 1: now\n\nChannel 0: nice.\n\nChannel 1: next year, they will work out just whether we're gonna sell our house or just rent it. I'm thinking we're just gonna rent it out for a couple of years and\n\nChannel 0: Yep. Yep. Let's see.\n\nChannel 1: get another cheaper investment property out there to live into. So I'm not invest probably just a cheaper property to live in and then\n\nChannel 0: Yep.\n\nChannel 1: use that rent rent in our house. You have to pay off that one. That's what it's a sort of\n\nChannel 0: Yep. Yep.\n\nChannel 1: plan. Yep.\n\nChannel 0: Oh, that's good. And Place Echo is beautiful. It's not too far from the Gold Coast where we\n\nChannel 1: Yeah.\n\nChannel 0: are. So, yeah, a very nice place. A little bit more quiet than the Gold Coast, which is kind of nice, to be fair. It's getting a bit crowded\n\nChannel 1: Yeah. I\n\nChannel 0: here\n\nChannel 1: love\n\nChannel 0: as well.\n\nChannel 1: yeah. I have to live in forty odd plus years in Sydney. I just wanna take a step. We\n\nChannel 0: Yes.\n\nChannel 1: still gotta keep our jobs here and just I'll I'll have the luxury of flying in and flying out and\n\nChannel 0: Yep.\n\nChannel 1: vice versa.\n\nChannel 0: Yeah.\n\nChannel 1: But, yeah, I can't handle the traffic and the demographics is changing too much lately.\n\nChannel 0: Yeah. I used to probably about four years ago now. I lived in\n\nChannel 1: Yep.\n\nChannel 0: Mossman, and beautiful, but so busy, and I just couldn't couldn't handle it either. So\n\nChannel 1: Yep.\n\nChannel 0: we\n\nChannel 1: Yep.\n\nChannel 0: moved back up\n\nChannel 1: Yep.\n\nChannel 0: here. Yeah. So I I feel you.\n\nChannel 1: Definitely\n\nChannel 0: Otherwise,\n\nChannel 1: no regrets\n\nChannel 0: Jamie\n\nChannel 1: in the movie, is it?\n\nChannel 0: no. Definitely not.\n\nChannel 1: Yes.\n\nChannel 0: Just\n\nChannel 1: He\n\nChannel 0: a bit\n\nChannel 1: does.\n\nChannel 0: more\n\nChannel 1: Yep.\n\nChannel 0: quiet,\n\nChannel 1: Yep.\n\nChannel 0: and, you know, health prices is a bit better as well. And my husband's from the Gold Coast, so closer to his family as well.\n\nChannel 1: Yep. Okay. Yep.\n\nChannel 0: So so that that's really nice. Yeah.\n\nChannel 1: So he wants\n\nChannel 0: So, yeah, he did. Well, my family are are in Sweden. Sorry. That was\n\nChannel 1: alright.\n\nChannel 0: too much of a move. That's too much of a move.\n\nChannel 1: Yep. Yep.\n\nChannel 0: So no. That's nice. And,\n\nChannel 1: Yep.\n\nChannel 0: otherwise, I guess, when it comes to your health and lifestyle, no kind of other issues health wise, like, you're all good after the hernia and everything?\n\nChannel 1: Yep. Everything's fine. Everything's\n\nChannel 0: Yep.\n\nChannel 1: perfect.\n\nChannel 0: Perfect.\n\nChannel 1: Yep.\n\nChannel 0: When it comes to your estate planning, I do have here that you have a will, but it was a little bit outdated.\n\nChannel 1: Yes. It's very outdated. I remember one time we've done it when the kids were younger and\n\nChannel 0: Yep.\n\nChannel 1: before we went to South Africa because we got my wife and we're going to South Africa.\n\nChannel 0: Yeah.\n\nChannel 1: And and we end up leaving her, like, the guardians of the wheel of the kids and other things. But now all my three of my kids are adults and,\n\nChannel 0: Yeah.\n\nChannel 1: yeah, it\n\nChannel 0: Might need\n\nChannel 1: oh, yeah. I should definitely need to change it to at least change it to them being in check it as in\n\nChannel 0: Yeah.\n\nChannel 1: control and\n\nChannel 0: Yep.\n\nChannel 1: vice versa.\n\nChannel 0: And then it's something special now with the investment property as well,\n\nChannel 1: Yep.\n\nChannel 0: you know, making sure that all the assets and stuff are covered. So if something ever were to happen to you or you and your wife, that, you know, there is a bit of a bit of an estate plan in place for what you guys want to have happen.\n\nChannel 1: Okay. Yep. So should we just go to that same system views, like, over ten years ago and just get it\n\nChannel 0: It's\n\nChannel 1: updated? Or\n\nChannel 0: it's up to you who who you did it with and the cost and stuff like that. What I can do otherwise for you because everyone is sometimes specialized in different things and prices is also a thing. Otherwise, what I can do for you is when I send you the cash flow on budget, I can send you some price guides on a firm that we work closely with. That way you have their\n\nChannel 1: Okay.\n\nChannel 0: prices and contact details. If it is something you you're interested in, you can just call them and say, hey. I do have an outdated will. You know, what's the cost, or can we just because if you get a new one in place, that usually cancels out the old one.\n\nChannel 1: Okay.\n\nChannel 0: So they can kind of help best guide you on that.\n\nChannel 1: And will\n\nChannel 0: And if\n\nChannel 1: and once you pay for a will, they never expire. They just sit there till you get a new\n\nChannel 0: yes.\n\nChannel 1: will or you die?\n\nChannel 0: Yes and no. They do they do change. They can expire based on your situation. So, typically and because I'm not a lawyer, I can't obviously give you any legal advice. But but typically\n\nChannel 1: Yeah. No. That's shit.\n\nChannel 0: typically, if you get married, it does tend to cancel out a a will. And some some so that's kind of, like, usually the tricky point. So if you were to have a will yourself and then you get married, that kind of makes\n\nChannel 1: Yep.\n\nChannel 0: that null and void. So\n\nChannel 1: No.\n\nChannel 0: there\n\nChannel 1: The last\n\nChannel 0: are\n\nChannel 1: room\n\nChannel 0: situation\n\nChannel 1: last room worked together. So\n\nChannel 0: perfect. Yeah. So it should all be good then unless you've had, you know, there is, like, a, yeah, like, a married or a divorce or something like that. That should all be good.\n\nChannel 1: yep. Yep.\n\nChannel 0: But, yeah, it's always good to check anyway. But, yeah, it's otherwise, it stays in place unless you've had those major changes. But it is good to make sure that your your assets and everything, especially if your kids are now older and stuff, to\n\nChannel 1: Yep.\n\nChannel 0: kind of get that sorted. So do you want me to send you just a brochure just so you have it if if it does\n\nChannel 1: Okay. Yes,\n\nChannel 0: you\n\nChannel 1: please.\n\nChannel 0: know, if it is\n\nChannel 1: Yep.\n\nChannel 0: something? Yeah. Okay. Perfect.\n\nChannel 1: Yep. I'll give them a call and see what the quote is, and then I'll bounce that off the ones we currently use and,\n\nChannel 0: Yeah.\n\nChannel 1: yeah, just go\n\nChannel 0: Exactly.\n\nChannel 1: get the cheapest first.\n\nChannel 0: Exactly. Otherwise, when it comes to your super and stuff, I do have here at your wife,\n\nChannel 1: Yep.\n\nChannel 0: Jade, nominated to receive your benefits if something were to happen. That's still correct?\n\nChannel 1: Yeah. That's fine.\n\nChannel 0: Yeah. Great. And the good thing as well, especially with your kids being a bit older, if it goes to her because she's yourself, it's completely tax free. Kids\n\nChannel 1: Yep.\n\nChannel 0: over 18 on last day have a disability or, you know, at uni and stuff, they can pay tax on their benefits. But if it goes to your wife, it's completely tax free.\n\nChannel 1: Okay. Okay. No problem. It's\n\nChannel 0: So\n\nChannel 1: good.\n\nChannel 0: perfect. Now I guess other goals and stuff that you guys are working towards in the next couple of years, obviously, settle into the investment property and get all of that sorted. Is there anything else that you are kind of working towards in the next couple of years that\n\nChannel 1: Yep.\n\nChannel 0: could be financial\n\nChannel 1: Yeah.\n\nChannel 0: or\n\nChannel 1: Well,\n\nChannel 0: nonfinancial goals?\n\nChannel 1: yeah, the\n\nChannel 0: I'm\n\nChannel 1: main\n\nChannel 0: moving,\n\nChannel 1: one is\n\nChannel 0: obviously.\n\nChannel 1: is moving to Sunshine Coast. And then soon as this\n\nChannel 0: Yep.\n\nChannel 1: house is settled on May, we wanna try and get something else cheap up there to get in the catchment area, Mountain Creek High School, get my son to the school, and\n\nChannel 0: Yep. Yep.\n\nChannel 1: sort of live between Sydney and there. But but, yeah, there's something\n\nChannel 0: Yep. Yep.\n\nChannel 1: like a cheaper sort of place, you know, around a million dollar mark, around a million dollars or something if we can.\n\nChannel 0: Yep.\n\nChannel 1: And\n\nChannel 0: Yep. Perfect.\n\nChannel 1: yeah. So that's the next to get that done before, obviously, Christmas or towards the end of this year and have it settled so we have somewhere to move to. Whether we\n\nChannel 0: Yeah.\n\nChannel 1: ever sell our house or rent it out, which, yeah,\n\nChannel 0: Yep.\n\nChannel 1: we need somebody to go.\n\nChannel 0: Yeah.\n\nChannel 1: Yep.\n\nChannel 0: Oh, that's that's exciting. I've got a couple of things lined up.\n\nChannel 1: Although that Gold Coast Wolf did say that, yeah, we're fine to borrowing capacity to get another one, so that was all good.\n\nChannel 0: Yeah. I think too because you're on a very good income. And because of your property in Sydney too, you know, but you you have a lot of equity in the property, that\n\nChannel 1: Yep.\n\nChannel 0: definitely\n\nChannel 1: Yep.\n\nChannel 0: helps and works in in your favor.\n\nChannel 1: Okay. That's good to know. Yep.\n\nChannel 0: Now the other thing I do quickly wanna run over with you, Damian, is just an updated risk profile questionnaire. It is just multiple choice questions. No right or wrong answer. It's just whatever you feel is the most appropriate for you. Does that make sense?\n\nChannel 1: Okay. Yes.\n\nChannel 0: Yep. Perfect. Now some of them can be a bit tricky. So if it doesn't make sense, just let me know.\n\nChannel 1: Okay.\n\nChannel 0: Yep. Now have you ever bought direct shares yourself?\n\nChannel 1: No.\n\nChannel 0: Nope. Perfect. Otherwise, when it comes to your super plan or when you wanna retire and access super, I have here at roughly age 60 with a thousand dollar a week per income ideally from super. Is that\n\nChannel 1: That's\n\nChannel 0: still\n\nChannel 1: pretty\n\nChannel 0: the\n\nChannel 1: yeah.\n\nChannel 0: case?\n\nChannel 1: That's probably probably not. I'd probably have to say 65.\n\nChannel 0: 65. Okay.\n\nChannel 1: Yep. And with a thousand dollars a week. When I've done that about five years ago, you probably realized thousand dollars a week. So it's been $2,000 a week now.\n\nChannel 0: Yep. Update that to 2,000.\n\nChannel 1: Yeah. Probably, I'd say so.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: And most people are the same. They most people tend to and, I guess, it depends on, you know, what your bills are and how extravagant, how much travel and stuff you wanna do. Most people see seem to sit between 1,000 and 3,000 up to $2.05, depending\n\nChannel 1: Yep.\n\nChannel 0: on, obviously, what the goals are. So you're very much in that kind\n\nChannel 1: Okay.\n\nChannel 0: of, good range.\n\nChannel 1: Okay.\n\nChannel 0: Now, otherwise, when it comes to how much risk you're willing to take for superannuation,\n\nChannel 1: I've\n\nChannel 0: are\n\nChannel 1: always\n\nChannel 0: you\n\nChannel 1: had a pretty I've always had a pretty\n\nChannel 0: No.\n\nChannel 1: low motor in that, haven't I?\n\nChannel 0: Yes. You are currently in a growth. So kind of somewhere in the middle where we're still focusing on growth, but not your high growth or aggressive. So you are kind of,\n\nChannel 1: You\n\nChannel 0: yeah,\n\nChannel 1: know?\n\nChannel 0: somewhere somewhere in the middle. Would you say that\n\nChannel 1: I\n\nChannel 0: that's\n\nChannel 1: know.\n\nChannel 0: still applicable,\n\nChannel 1: Yes,\n\nChannel 0: like, kind\n\nChannel 1: Dan.\n\nChannel 0: of\n\nChannel 1: I\n\nChannel 0: moderate?\n\nChannel 1: I just I just know that Trump's since Trump's been in office and something else has always been going on around the world that it's just not really doing anything anymore. And then I don't know whether it's the right time to take more risk or not or just like I said, it just feels like these last twelve months has just been contributions. The only thing that's going in there and, yeah, it's never actually it's actually really performed around or anything. So\n\nChannel 0: It actually\n\nChannel 1: yeah.\n\nChannel 0: it actually has done really well despite all of that, which I'll actually go through with you shortly,\n\nChannel 1: Okay.\n\nChannel 0: which is\n\nChannel 1: Alrighty.\n\nChannel 0: very good because this despite despite there's been quite a bit of fluctuation, like you said, in the last twelve months, obviously,\n\nChannel 1: Yep.\n\nChannel 0: like you said, with Trump, tariffs, everything, and, obviously, more recently, the war and everything like that, overall, we in in the\n\nChannel 1: When\n\nChannel 0: last\n\nChannel 1: you\n\nChannel 0: twelve\n\nChannel 1: when\n\nChannel 0: months, we\n\nChannel 1: you\n\nChannel 0: have seen.\n\nChannel 1: when you guys\n\nChannel 0: Yeah.\n\nChannel 1: factors factor percentage of yearly growth in that, is that including the contributions I put in or nothing to do with the contributions\n\nChannel 0: Mhmm. Not\n\nChannel 1: I put in?\n\nChannel 0: nothing to do with that. It is just the growth of your investments to show you\n\nChannel 1: Okay.\n\nChannel 0: that.\n\nChannel 1: Okay.\n\nChannel 0: Yep.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Just to to to be a bit more fair on just how your investment alone\n\nChannel 1: Okay.\n\nChannel 0: has done.\n\nChannel 1: Yep. I'll probably just\n\nChannel 0: Now\n\nChannel 1: leave it how it is then if it hasn't done too bad.\n\nChannel 0: well, in the last twelve months, now this is after fees as well. Your portfolio has still gone up by 8.03, and that is after fees, which we're quite happy\n\nChannel 1: K.\n\nChannel 0: with given what's happened in the last twelve months. Now\n\nChannel 1: Okay.\n\nChannel 0: talk talking about your investments overall, there are some that's done really, really, really well, like the Global X lithium have done about a 114, which is pretty crazy, especially recently with fuel prices and everything\n\nChannel 1: Sorry.\n\nChannel 0: and\n\nChannel 1: You're break you're\n\nChannel 0: people\n\nChannel 1: breaking up at the moment.\n\nChannel 0: no. That's okay. Can you hear me?\n\nChannel 1: No. The line's just I'm sort of getting every second word at the moment for some reason. Just\n\nChannel 0: Okay.\n\nChannel 1: going past\n\nChannel 0: Do you want\n\nChannel 1: the\n\nChannel 0: me\n\nChannel 1: airport\n\nChannel 0: to\n\nChannel 1: at Sydney.\n\nChannel 0: do you want me to hang on a little bit and see if that if it improves for you? Because\n\nChannel 1: Yep.\n\nChannel 0: we don't have to\n\nChannel 1: I I'll sit around this corner, and I'll just see if it picks up. Can you just keep talking for a sec?\n\nChannel 0: yep. Yeah. And it's not\n\nChannel 1: Okay. Yeah.\n\nChannel 0: too\n\nChannel 1: Yeah.\n\nChannel 0: much\n\nChannel 1: You're back\n\nChannel 0: more\n\nChannel 1: now. Yeah.\n\nChannel 0: yeah. Okay. Perfect. Now what I was saying with your portfolio, so the way that we design your portfolio as well is that it is very diversified, and it is designed that if some areas do really well, it kind of negates, and you have a bit of a balance. Sorry.\n\nAt certain times, some investments are gonna do a lot better and other times, not depending on what is happening. So for example, with your portfolio, that some of your investments have done very well where your your lithium investment that you have. So you have one that's called a global expiry tech and lithium, Obviously, with fuel prices, people moving through electric vehicles and everything, that one has been about a 114%, which is crazy. So\n\nChannel 1: Well well.\n\nChannel 0: you also, yeah, you also have one of the Asia investments that's at about 63%. Some of the defensive, obviously, a bit lower because they are designed to kind of stabilize your portfolio. So there is a bit of a mix overall, and that's how you want your portfolio designed. In saying that, though, I would like to do a bit more research on one of those investments and look to switch it out. Because we've done a lot of the a lot of investment research on your your managed fund, which is the Benelong Australian equity that you have in your portfolio.\n\nSo when that was added to your portfolio, it was one of the best performing fund managers, and they were performing really well. The function\n\nChannel 1: Sorry. It's\n\nChannel 0: of that one\n\nChannel 1: the\n\nChannel 0: yes?\n\nChannel 1: line's going really bad again at the moment. Sorry\n\nChannel 0: No.\n\nChannel 1: about this.\n\nChannel 0: No. That's okay. Can you hear me?\n\nChannel 1: Did you mind just calling back in a minute? Like, one minute or\n\nChannel 0: Yep.\n\nChannel 1: something just to see if I\n\nChannel 0: Yep.\n\nChannel 1: can change\n\nChannel 0: Alright.\n\nChannel 1: the line because\n\nChannel 0: I'll\n\nChannel 1: I'm\n\nChannel 0: do\n\nChannel 1: yet so\n\nChannel 0: I'll do that,\n\nChannel 1: yeah.\n\nChannel 0: Jamie.\n\nChannel 1: Sorry.\n\nChannel 0: I'll I'll give you a callback. Alright.\n\nChannel 1: Thank\n\nChannel 0: Bye.\n\nChannel 1: you. Thank you.\n\nChannel 0: That's it.","paragraphs":[{"sentences":[{"text":"Hello?","start":4.08,"end":4.58,"sentiment":"neutral","sentiment_score":0.03897632658481598}],"sentiment":"neutral","sentiment_score":0.03897632658481598,"channel":1,"num_words":1,"start":4.08,"end":4.58},{"sentences":[{"text":"Good afternoon.","start":5.04,"end":5.68,"sentiment":"neutral","sentiment_score":0.25429507344961166},{"text":"Is this Jamie?","start":5.68,"end":6.5,"sentiment":"neutral","sentiment_score":0.13462250431378683}],"sentiment":"neutral","sentiment_score":0.18249153196811677,"channel":0,"num_words":5,"start":5.04,"end":6.5},{"sentences":[{"text":"Yes.","start":6.96,"end":7.3599997,"sentiment":"neutral","sentiment_score":0.08421744406223297},{"text":"Speaking.","start":7.3599997,"end":7.68,"sentiment":"neutral","sentiment_score":0.06708557903766632},{"text":"How you doing?","start":7.68,"end":8.42,"sentiment":"neutral","sentiment_score":0.12652900566657385}],"sentiment":"neutral","sentiment_score":0.10617800801992416,"channel":1,"num_words":5,"start":6.96,"end":8.42},{"sentences":[{"text":"Yeah.","start":8.639999,"end":8.96,"sentiment":"neutral","sentiment_score":0.07700623571872711},{"text":"Go ahead.","start":8.96,"end":9.28,"sentiment":"neutral","sentiment_score":0.10444238781929016},{"text":"It's Veronica from x u financial.","start":9.28,"end":11.059999,"sentiment":"neutral","sentiment_score":0.05954986313978831}],"sentiment":"neutral","sentiment_score":0.07146557668844859,"channel":0,"num_words":9,"start":8.639999,"end":11.059999},{"sentences":[{"text":"Yeah.","start":12.719999,"end":12.96,"sentiment":"neutral","sentiment_score":0.04340282082557678},{"text":"How's things?","start":12.96,"end":13.7,"sentiment":"neutral","sentiment_score":0.05487564206123352}],"sentiment":"neutral","sentiment_score":0.05105136831601461,"channel":1,"num_words":3,"start":12.719999,"end":13.7},{"sentences":[{"text":"Hi.","start":13.295,"end":13.795,"sentiment":"neutral","sentiment_score":0.09649442136287688},{"text":"Yeah.","start":14.335,"end":14.655001,"sentiment":"neutral","sentiment_score":0.1315244734287262},{"text":"Good.","start":14.655001,"end":15.155001,"sentiment":"neutral","sentiment_score":0.3172675371170044},{"text":"How how's your morning been?","start":15.215,"end":16.915,"sentiment":"neutral","sentiment_score":0.1750275194644928}],"sentiment":"neutral","sentiment_score":0.17755300365388393,"channel":0,"num_words":8,"start":13.295,"end":16.915},{"sentences":[{"text":"Yeah.","start":17.625,"end":17.945,"sentiment":"neutral","sentiment_score":0.02729204297065735},{"text":"Pretty pretty busy.","start":17.945,"end":18.825,"sentiment":"neutral","sentiment_score":-0.0493916484216849},{"text":"A lot going on as usual.","start":18.825,"end":20.025,"sentiment":"neutral","sentiment_score":-0.07327038670579593},{"text":"Just heading to work now, but I've got plenty of time to talk.","start":20.025,"end":23.885,"sentiment":"neutral","sentiment_score":-0.0010510810937445897}],"sentiment":"neutral","sentiment_score":-0.02496388159773272,"channel":1,"num_words":23,"start":17.625,"end":23.885},{"sentences":[{"text":"Yeah.","start":24.19,"end":24.35,"sentiment":"neutral","sentiment_score":0.09772846847772598},{"text":"Alright, Papi.","start":24.35,"end":24.99,"sentiment":"neutral","sentiment_score":0.22496530413627625},{"text":"You're happy to do that, or, like, while you're driving, if that's okay with you?","start":24.99,"end":28.210001,"sentiment":"neutral","sentiment_score":0.2784937024116516}],"sentiment":"neutral","sentiment_score":0.26250358960694736,"channel":0,"num_words":18,"start":24.19,"end":28.210001},{"sentences":[{"text":"Yeah.","start":28.505,"end":28.665,"sentiment":"neutral","sentiment_score":0.12294701486825944},{"text":"That's fine.","start":28.665,"end":29.224998,"sentiment":"neutral","sentiment_score":0.1952645480632782},{"text":"Yeah.","start":29.224998,"end":29.545,"sentiment":"neutral","sentiment_score":0.15173035860061646}],"sentiment":"neutral","sentiment_score":0.16630161739885807,"channel":1,"num_words":4,"start":28.505,"end":29.545},{"sentences":[{"text":"Yes.","start":29.470001,"end":29.87,"sentiment":"neutral","sentiment_score":0.15563362836837769}],"sentiment":"neutral","sentiment_score":0.15563362836837769,"channel":0,"num_words":1,"start":29.470001,"end":29.87},{"sentences":[{"text":"Yep.","start":29.545,"end":30.045,"sentiment":"neutral","sentiment_score":0.16359983384609222}],"sentiment":"neutral","sentiment_score":0.16359983384609222,"channel":1,"num_words":1,"start":29.545,"end":30.045},{"sentences":[{"text":"Yes.","start":29.87,"end":30.37,"sentiment":"neutral","sentiment_score":0.22719302773475647}],"sentiment":"neutral","sentiment_score":0.22719302773475647,"channel":0,"num_words":1,"start":29.87,"end":30.37},{"sentences":[{"text":"It's it's","start":30.105,"end":30.585,"sentiment":"positive","sentiment_score":0.3733374774456024}],"sentiment":"positive","sentiment_score":0.3733374774456024,"channel":1,"num_words":2,"start":30.105,"end":30.585},{"sentences":[{"text":"Perfect.","start":30.43,"end":30.93,"sentiment":"positive","sentiment_score":0.5540065169334412}],"sentiment":"positive","sentiment_score":0.5540065169334412,"channel":0,"num_words":1,"start":30.43,"end":30.93},{"sentences":[{"text":"time to get me.","start":30.585,"end":31.645,"sentiment":"positive","sentiment_score":0.36734048277139664}],"sentiment":"positive","sentiment_score":0.36734048277139664,"channel":1,"num_words":4,"start":30.585,"end":31.645},{"sentences":[{"text":"No.","start":32.03,"end":32.43,"sentiment":"neutral","sentiment_score":0.04551561176776886},{"text":"That's all good.","start":32.43,"end":33.57,"sentiment":"neutral","sentiment_score":0.21909916400909424},{"text":"Now, Jamie, before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.","start":34.75,"end":41.855,"sentiment":"neutral","sentiment_score":0.01880771583267327}],"sentiment":"neutral","sentiment_score":0.037825359483108376,"channel":0,"num_words":33,"start":32.03,"end":41.855},{"sentences":[{"text":"Yeah.","start":42.21,"end":42.45,"sentiment":"neutral","sentiment_score":0.11610235273838045},{"text":"That's fine.","start":42.45,"end":43.19,"sentiment":"neutral","sentiment_score":0.22654680162668228}],"sentiment":"neutral","sentiment_score":0.18973198533058167,"channel":1,"num_words":3,"start":42.21,"end":43.19},{"sentences":[{"text":"Perfect.","start":43.595,"end":44.095,"sentiment":"positive","sentiment_score":0.4299353063106537},{"text":"And just to confirm I am speaking with the right person, just for security purposes, could you just confirm your full name, date of birth, and address, please?","start":44.235,"end":52.335,"sentiment":"neutral","sentiment_score":0.08449869057429689}],"sentiment":"neutral","sentiment_score":0.0964102980134816,"channel":0,"num_words":29,"start":43.595,"end":52.335},{"sentences":[{"text":"Jamie Kelly, second of the '8 70 '7 and 77 Clare Avenue, Roushill, New South Wales 2 at Number 5.","start":52.815,"end":59.31,"sentiment":"neutral","sentiment_score":0.028146902099251747}],"sentiment":"neutral","sentiment_score":0.028146902099251747,"channel":1,"num_words":20,"start":52.815,"end":59.31},{"sentences":[{"text":"Yeah.","start":59.86,"end":60.34,"sentiment":"neutral","sentiment_score":0.26218485832214355},{"text":"Amazing.","start":60.34,"end":60.84,"sentiment":"positive","sentiment_score":0.5313785672187805},{"text":"Now before I do kind of jump into the interview, I do like to start by asking if there is anything specific that you are hoping to get out of the review today or any areas you would like me to focus on a little bit more or whether it's just just a bit of a general kind of catch up and seeing kind of what's happened in the last twelve months.","start":62.1,"end":78.42,"sentiment":"neutral","sentiment_score":-0.02289936039596796}],"sentiment":"neutral","sentiment_score":-0.01155662868876715,"channel":0,"num_words":74,"start":59.86,"end":78.42},{"sentences":[{"text":"Yeah.","start":79.90501,"end":80.065,"sentiment":"neutral","sentiment_score":-0.05650617927312851},{"text":"Nothing too major.","start":80.065,"end":81.205,"sentiment":"neutral","sentiment_score":-0.13356094310681024},{"text":"Just as 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sacrificing is a great way to boost your super, and it's also a tax effective way because it comes out pretax, so it does reduce your taxable income.","start":459.635,"end":468.135,"sentiment":"positive","sentiment_score":0.630327106549822}],"sentiment":"positive","sentiment_score":0.6012258427483695,"channel":0,"num_words":35,"start":458.67502,"end":468.135},{"sentences":[{"text":"it?","start":467.665,"end":467.915,"sentiment":"neutral","sentiment_score":0.18950682878494263},{"text":"Yep.","start":467.915,"end":468.415,"sentiment":"neutral","sentiment_score":0.18102407455444336}],"sentiment":"neutral","sentiment_score":0.185265451669693,"channel":1,"num_words":2,"start":467.665,"end":468.415},{"sentences":[{"text":"Typically, the the way that I would kind of word it is, well, on a a weekly basis or monthly or fortnightly, depending how you do your your cash flow, do you have much left 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They discuss their income and employment for their wife and provide information on their employment and income. The representative suggests a tax savings plan and a cash flow and budget spreadsheet, and advises leaving a salary sacrificing and not going backwards. They also discuss the benefits of a tax savings plan and the value of their property, including their retirement plans and their desire to retire in the future. The speaker emphasizes the importance of diversifying their portfolio and offers to send a brochure and quote for the property."},"intents":{"segments":[{"text":"Now before I do kind of jump into the interview, I do like to start by asking if there is anything specific that you are hoping to get out of the review today or any areas you would like me to focus on a little bit more or whether it's just just a bit of a general kind of catch up and seeing kind of what's happened in the last twelve months. Yeah.","start_word":173,"end_word":245,"intents":[{"intent":"Check interview outcome","confidence_score":0.000052267413}]},{"text":"that and how's Well, it that settles where is that kind of at? Yeah.","start_word":327,"end_word":340,"intents":[{"intent":"Discuss debt settlement","confidence_score":0.038089793}]},{"text":"And if it is that when you do get everything settled and when it comes to doing, obviously, your tax return and how to kind of, I guess, maximize deductions and stuff like that, just let us know if you would like me to refer you on through one of the accountants that we work closely with Or if you Yep.","start_word":399,"end_word":459,"intents":[{"intent":"Discuss tax return","confidence_score":0.030175496},{"intent":"Discuss tax return","confidence_score":0.35280803}]},{"text":"So do you do you know how much the property was worth or how much you bought it for? We got it for $9.","start_word":611,"end_word":634,"intents":[{"intent":"Discuss property value","confidence_score":0.57028496}]},{"text":"They had to accept our offer offer of $9.75 because Yeah.","start_word":696,"end_word":706,"intents":[{"intent":"Take offer","confidence_score":0.0005697662}]},{"text":"I think that's why I was only 140,000 for the year in my salary. But this year, Yep. I'm sort of we've not long to go. I'm rejected to sort of make the to $200,000 mark this year. So Yep.","start_word":1115,"end_word":1154,"intents":[{"intent":"Make salary increase","confidence_score":0.00020983054}]},{"text":"does fluctuate and you think you're gonna earn more than 200, just be mindful of if you do want a salary sacrifice to Yep. not exceed that that cap space.","start_word":1405,"end_word":1434,"intents":[{"intent":"Educate on salary sacrifice","confidence_score":0.002444037}]},{"text":"Just give me a call, and we can always book you in and talk about it then.","start_word":2079,"end_word":2095,"intents":[{"intent":"Plan meeting","confidence_score":0.059408665}]},{"text":"Or if it's earlier or if, you know, we don't hear from you, I'll make a little note that next under review, it's something we can kind of discuss again to see where things are at. Okay.","start_word":2097,"end_word":2133,"intents":[{"intent":"Make note","confidence_score":0.0017561277}]},{"text":"Would you like me to send you a cash loan fine. by this spreadsheet?","start_word":2138,"end_word":2151,"intents":[{"intent":"Request cash loan","confidence_score":0.0070237224}]},{"text":"What cash was there? I didn't think I was I think number 125,000. Or 8. did anything In go cash? through the yes. No. Probably got Nope. about $8,085,000, I think, in cash Alright.","start_word":2217,"end_word":2250,"intents":[{"intent":"Confirm cash amount","confidence_score":0.19916897}]},{"text":"And your property is valued about 2.3 mil? Yeah.","start_word":2291,"end_word":2299,"intents":[{"intent":"Evaluate property value","confidence_score":0.24229524}]},{"text":"I've actually got someone coming tomorrow or Monday because it's been years since I've had it evaluated to give me Oh, yeah. appraisal.","start_word":2316,"end_word":2338,"intents":[{"intent":"Evaluate options","confidence_score":0.053492695}]},{"text":"When it comes to your estate planning, I do have here that you have a will, but it was a little bit outdated. Yes.","start_word":2903,"end_word":2926,"intents":[{"intent":"Update estate planning","confidence_score":0.24030015}]},{"text":"They do they do change. They can expire based on your situation.","start_word":3282,"end_word":3293,"intents":[{"intent":"Discuss will expiration dates","confidence_score":0.0000015711798}]},{"text":"get the cheapest first.","start_word":3528,"end_word":3531,"intents":[{"intent":"Assess affordability","confidence_score":0.00017964774}]},{"text":"Otherwise, when it comes to your super and stuff, I do have here at your wife, Yep. Jade, nominated to receive your benefits if something were to happen. That's still correct?","start_word":3533,"end_word":3563,"intents":[{"intent":"Receive benefits","confidence_score":0.03560233}]},{"text":"Is there anything else that you are kind of working towards in the next couple of years that Yep. could be financial Yeah.","start_word":3669,"end_word":3691,"intents":[{"intent":"Determine goals","confidence_score":0.07443085}]},{"text":"yeah, the I'm main moving, one is obviously. is moving to Sunshine Coast. And then soon as this Yep. house is settled on May, we wanna try and get something else cheap up there to get in the catchment area, Mountain Creek High School, get my son to the school, and Yep.","start_word":3696,"end_word":3747,"intents":[{"intent":"Determine location","confidence_score":0.10570848}]},{"text":"it actually has done really well despite all of that, which I'll actually go through with you shortly, Okay.","start_word":4346,"end_word":4364,"intents":[{"intent":"Assess financial performance","confidence_score":0.011493094}]},{"text":"Your portfolio has still gone up by 8.03, and that is after fees, which we're quite happy K. with given what's happened in the last twelve months. Now Okay. talk talking about your investments overall, there are some that's done really, really, really well, like the Global X lithium have done about a 114, which is pretty crazy, especially recently with fuel prices and everything Sorry.","start_word":4526,"end_word":4591,"intents":[{"intent":"Address portfolio concerns","confidence_score":0.010220827}]},{"text":"In saying that, though, I would like to do a bit more research on one of those investments and look to switch it out.","start_word":4881,"end_word":4904,"intents":[{"intent":"Change investment policy","confidence_score":0.00035993857}]}]},"sentiments":{"segments":[{"text":"Hello? Good afternoon. Is this Jamie? Yes. Speaking. How you doing? Yeah. Go ahead. It's Veronica from x u financial. Yeah. How's things? Hi. Yeah. Good. How how's your morning been? Yeah. Pretty pretty busy. A lot going on as usual. Just heading to work now, but I've got plenty of time to talk. Yeah. Alright, Papi. You're happy to do that, or, like, while you're driving, if that's okay with you? Yeah. That's fine. Yeah. Yes. Yep. Yes.","start_word":0,"end_word":78,"sentiment":"neutral","sentiment_score":0.12783344089984894},{"text":"It's it's Perfect. time to get me.","start_word":79,"end_word":85,"sentiment":"positive","sentiment_score":0.3993372619152069},{"text":"No. That's all good. Now, Jamie, before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Yeah. That's fine.","start_word":86,"end_word":121,"sentiment":"neutral","sentiment_score":0.06738144159317017},{"text":"Perfect.","start_word":122,"end_word":122,"sentiment":"positive","sentiment_score":0.4299353063106537},{"text":"And just to confirm I am speaking with the right person, just for security purposes, could you just confirm your full name, date of birth, and address, please? Jamie Kelly, second of the '8 70 '7 and 77 Clare Avenue, Roushill, New South Wales 2 at Number 5. Yeah.","start_word":123,"end_word":171,"sentiment":"neutral","sentiment_score":0.06303799897432327},{"text":"Amazing.","start_word":172,"end_word":172,"sentiment":"positive","sentiment_score":0.5313785672187805},{"text":"Now before I do kind of jump into the interview, I do like to start by asking if there is anything specific that you are hoping to get out of the review today or any areas you would like me to focus on a little bit more or whether it's just just a bit of a general kind of catch up and seeing kind of what's happened in the last twelve months. Yeah. Nothing too major. Just as far Mhmm. as I'm hoping there's some positive views.","start_word":173,"end_word":259,"sentiment":"neutral","sentiment_score":-0.05645880848169327},{"text":"It's all doom and gloom because the last year, obviously, has been not so good.","start_word":260,"end_word":274,"sentiment":"negative","sentiment_score":-0.45835527777671814},{"text":"Yep. But, yeah, obviously, Yes. that's the potential because my returns and that sort of stuff. But Yep. I'm also Yep. in the process with the Brook Jurassic, whatever name is, from I just purchased an investment property Oh, yeah.","start_word":275,"end_word":314,"sentiment":"neutral","sentiment_score":0.04072842374444008},{"text":"as Beautiful.","start_word":315,"end_word":316,"sentiment":"positive","sentiment_score":0.3757035732269287},{"text":"well. Yeah. And Through how's the gold as well. that and how's Well, it that settles where is that kind of at? Yeah. on settles on the May 11, the house.","start_word":317,"end_word":347,"sentiment":"neutral","sentiment_score":0.07521609048689565},{"text":"Oh, nice. So Hopefully, then that will yeah. go as well.","start_word":348,"end_word":358,"sentiment":"positive","sentiment_score":0.5303227305412292},{"text":"Yeah. Then I've got, obviously, then try and work out all the whole it's been twenty years since I've invested properties. So how the tech how the tech Yeah. side of things work and trying to juggle everything again. Yeah. And if it is that when you do get everything settled and when it comes to doing, obviously, your tax return and how to kind of, I guess, maximize deductions and stuff like that, just let us know if you would like me to refer you on through one of the accountants that we work closely with Or if you Yep. do have someone, if it is something that you do need assistance with, just give me Yep. a call, and I can always get them through to to give you a call through, kind of go through all of that with you because it can get a bit complex at times as well. Yes. Because I got on this investment property, I got my wife's and my older son's name on it as well. So so I think we'd have to do all our taxes together then, wouldn't we, at the same time Yes. or something? Yes. Yes. And Yep. they can Yep. do that as well. So often, they can do, like, the family together, and then they can, kind of, I guess, advice on the best way to split it, to maximize, you know, the the tax that you guys will get back and what to claim and stuff. So do you do you know how much the property was worth or how much you bought it for? We got it for $9.75. 9 The 70 tenant the 5. vendor, sorry, originally wanted 1.1, but because I knew they had since I don't really want real estate agents too much. They were some car sales. We knew they had bridging Yeah. loans, other things, and they were in trouble. So we Yeah. just slow bought them. And then come to a day to go. They had to accept our offer offer of $9.75 because Yeah. we didn't really care if we got that one or not. We weren't in a rush for an interest. It was a couple of Yeah. doors down from my daughter's house, which sort Oh, of nice.","start_word":359,"end_word":742,"sentiment":"neutral","sentiment_score":0.03288625425193459},{"text":"appealed to us.","start_word":743,"end_word":745,"sentiment":"positive","sentiment_score":0.3358724117279053},{"text":"But, Yeah. yeah, we got it at the right price. So then, yeah, we went ahead with it.","start_word":746,"end_word":763,"sentiment":"neutral","sentiment_score":0.2859489619731903},{"text":"And so Beautiful.","start_word":764,"end_word":766,"sentiment":"positive","sentiment_score":0.6173751950263977},{"text":"And do you know the mortgage on it? How much is how much that was in roughly? a mortgage will be so the way she set it up is so my son could get into a two little separate loans of, say, for for example, a $100,000 each to get a 20 Yep. deposit, Yes. and then the mortgage would be the remaining of the 80% of the $9.75. Okay. Yep.","start_word":767,"end_word":837,"sentiment":"neutral","sentiment_score":0.042768798768520355},{"text":"Perfect.","start_word":838,"end_word":838,"sentiment":"positive","sentiment_score":0.3831806182861328},{"text":"So yeah. Just saying because he didn't have enough money saved and other things to keep just to keep him at 50% still. Yeah.","start_word":839,"end_word":862,"sentiment":"neutral","sentiment_score":0.11117321252822876},{"text":"Oh, nice. That's good. So I'm Yeah. glad that kind of all worked out and that they've been helpful for you.","start_word":863,"end_word":883,"sentiment":"positive","sentiment_score":0.6354366540908813},{"text":"And, yeah, hopefully, Yep.","start_word":884,"end_word":887,"sentiment":"neutral","sentiment_score":0.29318132996559143},{"text":"everything goes well at settlement.","start_word":888,"end_word":892,"sentiment":"positive","sentiment_score":0.40767356753349304},{"text":"Now before I kinda jump into your your super and your performances and kind of what's happened, I do wanna quickly run through a bit of an updated fax line. Now I know you've kind of gone through some of the information all already, so I'll skip over those just so I don't waste too much of your time. Yep. Yep. Now when it comes to next obtained, so I don't actually have someone nominated, and that is just if for some reason we cannot get in touch with you. Who would you like us to contact? My wife. Yep. Perfect. Jade? Yes. Jade Kelly. Yep. Perfect, Jade. And her best contact number? 0408669501. That's good to remembering that by heart. A lot of people are like, oh, I should know this, but it's not something you normally have to remember nowadays.","start_word":893,"end_word":1034,"sentiment":"neutral","sentiment_score":0.05740916356444359},{"text":"So so that's very good.","start_word":1035,"end_word":1039,"sentiment":"positive","sentiment_score":0.48411667346954346},{"text":"I struggle to remember her name or names, but numbers I can't forget. I'm good with numbers. Well, at least you know how to call her. Yeah. Now employment wise, has any has anything changed in the last twelve twelve months or still kind of doing the same? No. Last year last year was a bit worse because I had five months off with the hernia, had an operation Yep. and that sort of stuff. I think that's why I was only 140,000 for the year in my salary. But this year, Yep. I'm sort of we've not long to go. I'm rejected to sort of make the to $200,000 mark this year. So Yep.","start_word":1040,"end_word":1154,"sentiment":"neutral","sentiment_score":-0.0891466969381208},{"text":"Beautiful. it's going going better. Yeah. And that will obviously help your super as well with the employee contributions and everything that goes into it.","start_word":1155,"end_word":1179,"sentiment":"positive","sentiment_score":0.4785032570362091},{"text":"Yeah. That was last fortnightly. It was about $1,250 just last fortnightly's contributions. Yeah. Especially because, yeah, if your income is about roughly the 200,000, and they just paid you that standard 12%, like the standard rules. Yeah. Whatever whatever. Yeah. Because my wage changes four months. So it's whatever I earn fortnight, which is what's based off. Yep. Yep. Perfect. So nothing If on fixed or cash. yeah. Yeah. Perfect. So if it kind of if on average, if we use a yearly basis, if it's around 200,000 in a year, that equates to about 24,000. Now that will be taxed at 15%, but still, it is a decent chunk going in, which is good. It's So, yeah, I don't need to salary sacrifice then because then it puts you to the limit sort of anyway, doesn't it? Or the month you earn six months once it goes more, you start to pay for tax or something, it don't you? Or yes. The limit is 30,000. So each financial year at the moment so to to kind of salary sacrifice and take advantage on it from a tax saving point of view, it would like, the pretax contribution cap is 30,000. So if you have about 200, you're already at about 24. So you do have 6,000 less, but if your income Yep. does fluctuate and you think you're gonna earn more than 200, just be mindful of if you do want a salary sacrifice to Yep. not exceed that that cap space. So So probably best just leaving it really just to have Wigour.","start_word":1180,"end_word":1445,"sentiment":"neutral","sentiment_score":0.05660873298582278},{"text":"How much difference it's it's kind of up to you is at the end of the day. Salary sacrificing is a great way to boost your super, and it's also a tax effective way because it comes out pretax, so it does reduce your taxable income.","start_word":1446,"end_word":1491,"sentiment":"positive","sentiment_score":0.5682670474052429},{"text":"it? Yep. Typically, the the way that I would kind of word it is, well, on a a weekly basis or monthly or fortnightly, depending how you do your your cash flow, do you have much left over? Like, how much do you save per week, would Yeah. you say? I've got I've got no idea, to tell you the truth. I've just yeah. Money comes in, money goes out, and I've always just got money. So, yeah, Yeah. if I'm running And if I know more a few bigger bills are coming up, I'll just do, like, you know, an extra shift or two because of that flexibility or just yes. always just try and make sure I don't go backwards, if you know what I mean. As long as Yes.","start_word":1492,"end_word":1623,"sentiment":"neutral","sentiment_score":0.07888717949390411},{"text":"I'm, yeah, live living a Yes. good lifestyle and not going backwards, I'm happy.","start_word":1624,"end_word":1637,"sentiment":"positive","sentiment_score":0.5429558753967285},{"text":"Yeah. Yeah. Because that's usually the first point is like, okay. Well, especially with an investment property as well, I would be a little bit more kind of hesitant to start unless you are very certain of your your cash flow Cash right flow. now because with the investment property K. as well, is it do you know if it's Yep. positively or negatively geared? Do you guys have Yep. to pay a portion yourself? Yep. Yes. Negatively Yes. good. Yep. So tax is great on that point of view, but, yes, obviously, you then have to cover a little bit of that shortfall. So Yep. I would even say that just to make sure, you can always start salary sacrifice, and you can stop it whenever.","start_word":1638,"end_word":1764,"sentiment":"neutral","sentiment_score":0.01166689343105151},{"text":"It's very easy for your employer.","start_word":1765,"end_word":1770,"sentiment":"positive","sentiment_score":0.4638095498085022},{"text":"But Just given what you guys have coming up at the moment, I would leave say it. it might be better to to wait until you've settled into the investment property and, have a Yep.","start_word":1771,"end_word":1805,"sentiment":"neutral","sentiment_score":0.22584955394268036},{"text":"little bit more kind of guidance on your cash flow. And then when you have that, what I can do for you anyway is I can send you a cash flow and budget spreadsheet. Completely up to you if it's something you do wanna, you know, complete. But it is usually a good way to get started and thinking, okay. Well, how much am I actually saving each month or week, and how much of that could I put aside to if I wanted to without it impacting any other goals or anything else I want to do?","start_word":1806,"end_word":1903,"sentiment":"positive","sentiment_score":0.40961217880249023},{"text":"Okay. And then from that, we can be like, okay. Well, let's say if you say, oh, I can come to input for 50 or $100 a week, and it doesn't impact anything else, then I can run the numbers of making sure you don't exceed any cut spaces and how that would look like in terms of extra contributions and tax. But I would Okay. usually start with the saving aspect of how much you could come and put aside first. Just because Okay. I don't want you to put more in, and then it gets locked in, and then you need it. Yep. Okay. Well, worry about that next one Yep. in three years, miss.","start_word":1904,"end_word":2020,"sentiment":"neutral","sentiment_score":0.14825192093849182},{"text":"That's not a problem. Yeah.","start_word":2021,"end_word":2025,"sentiment":"positive","sentiment_score":0.38491448760032654},{"text":"And if anything Yep. changes, like, any you know, you can contact us whenever you want to as well. So it doesn't have to be at review time. Even if, you know, if you get it in May, even in August or something, you go, oh, I have a pretty good understanding now.","start_word":2026,"end_word":2078,"sentiment":"neutral","sentiment_score":0.2928076982498169},{"text":"Just give me a call, and we can always book you in and talk about it then.","start_word":2079,"end_word":2095,"sentiment":"positive","sentiment_score":0.3878682553768158},{"text":"Or if it's earlier or if, you know, we don't hear from you, I'll make a little note that next under review, it's something we can kind of discuss again to see where things are at. Okay. Not a problem. That's Yep. Would you like me to send you a cash loan fine. by this spreadsheet? Would that be helpful? Yeah. If you don't have that one, send it Yeah. through. Yeah. I'll get the wipes Yeah. printed out, maybe get started on something. Yeah.","start_word":2096,"end_word":2180,"sentiment":"neutral","sentiment_score":0.050838205963373184},{"text":"Perfect. I will get that emailed to you.","start_word":2181,"end_word":2188,"sentiment":"positive","sentiment_score":0.5060508251190186},{"text":"Otherwise, other assets, I think you confirmed all of that with Jordan yesterday, your property, your four cars, and the cash as well. No other changes otherwise. Okay. What cash was there? I didn't think I was I think number 125,000. Or 8. did anything In go cash? through the yes. No. Probably got Nope. about $8,085,000, I think, in cash Alright.","start_word":2189,"end_word":2250,"sentiment":"neutral","sentiment_score":0.08912553638219833},{"text":"Perfect.","start_word":2251,"end_word":2251,"sentiment":"positive","sentiment_score":0.33993732929229736},{"text":"85. now. And Been just doing a lot triple a lot to of traveling.","start_word":2252,"end_word":2265,"sentiment":"neutral","sentiment_score":0.22369347512722015},{"text":"that's nice.","start_word":2266,"end_word":2267,"sentiment":"positive","sentiment_score":0.5452361702919006},{"text":"Sorry. And, otherwise, cars and motorbikes combined value at about $1.50. That's still correct? Yeah. Tell me about that. Yeah. Yep. Yep. Perfect. And your property is valued about 2.3 mil? Yeah. I'd say that's conservative. Yep. How much would you or do you think, like, $2.04, $2.05? I've actually got someone coming tomorrow or Monday because it's been years since I've had it evaluated to give me Oh, yeah. appraisal. So Bit of a update. just looking at other Oh, options.","start_word":2268,"end_word":2349,"sentiment":"neutral","sentiment_score":0.03728051856160164},{"text":"that's So good.","start_word":2350,"end_word":2352,"sentiment":"positive","sentiment_score":0.4285535514354706},{"text":"I think because we wanna move to Queensland next year, although I'm staying in my job and so is my wife. Yeah. You know, whether we should rent the house out or sell it and buy other properties up in Queensland and so much things Yeah. sort of happening, but, yeah, I just sort of at least see what it's worth at the moment Yeah. Yeah. Yeah.","start_word":2353,"end_word":2419,"sentiment":"neutral","sentiment_score":0.07995548099279404},{"text":"and Oh, it's a good idea.","start_word":2420,"end_word":2425,"sentiment":"positive","sentiment_score":0.4709695279598236},{"text":"get a market value and a rental appraisal and just see which way we wanna Yeah. go to you. And where where in Queensland are you looking at? Relocating Sunshine through. Coast. Oh, My daughter's no. already up there, and that's where we bought the investment property already. Oh, yes. But, yeah, my son starts high school. My youngest son, we only got one dependent now. The other three are Yep. all 25 to 19. But, Yeah. yeah, we wanna start in the high school probably up there in Mountain Creek High School.","start_word":2426,"end_word":2518,"sentiment":"neutral","sentiment_score":0.06553011387586594},{"text":"That's what my wife likes.","start_word":2519,"end_word":2523,"sentiment":"positive","sentiment_score":0.3411044478416443},{"text":"Oh, yes. Yeah. So we got Oh, now nice. next year, they will work out just whether we're gonna sell our house or just rent it. I'm thinking we're just gonna rent it out for a couple of years and Yep. Yep. Let's see. get another cheaper investment property out there to live into. So I'm not invest probably just a cheaper property to live in and then Yep. use that rent rent in our house. You have to pay off that one. That's what it's a sort of Yep. Yep. plan. Yep.","start_word":2524,"end_word":2616,"sentiment":"neutral","sentiment_score":0.0569176971912384},{"text":"Oh, that's good. And Place Echo is beautiful.","start_word":2617,"end_word":2624,"sentiment":"positive","sentiment_score":0.4238182604312897},{"text":"It's not too far from the Gold Coast where we Yeah. are.","start_word":2625,"end_word":2636,"sentiment":"neutral","sentiment_score":0.1297812461853027},{"text":"So, yeah, a very nice place.","start_word":2637,"end_word":2642,"sentiment":"positive","sentiment_score":0.36417660117149353},{"text":"A little bit more quiet than the Gold Coast, which is kind of nice, to be fair. It's getting a bit crowded Yeah. I here love as well. yeah. I have to live in forty odd plus years in Sydney. I just wanna take a step. We Yes. still gotta keep our jobs here and just I'll I'll have the luxury of flying in and flying out and Yep. vice versa. Yeah. But, yeah, I can't handle the traffic and the demographics is changing too much lately. Yeah. I used to probably about four years ago now. I lived in Yep. Mossman, and beautiful, but so busy, and I just couldn't couldn't handle it either. So Yep. we Yep. moved back up Yep. here. Yeah. So I I feel you. Definitely Otherwise, no regrets Jamie in the movie, is it? no. Definitely not. Yes. Just a He bit does. more quiet, Yep. Yep. and, you know, health prices is a bit better as well. And my husband's from the Gold Coast, so closer to his family as well. Yep. Okay. Yep.","start_word":2643,"end_word":2823,"sentiment":"neutral","sentiment_score":0.01810186459214648},{"text":"So so that that's really nice.","start_word":2824,"end_word":2829,"sentiment":"positive","sentiment_score":0.6003643870353699},{"text":"Yeah. So he wants So, yeah, he did. Well, my family are are in Sweden. Sorry. That was alright.","start_word":2830,"end_word":2848,"sentiment":"neutral","sentiment_score":-0.01947924308478832},{"text":"too much of a move. That's too much of a move.","start_word":2849,"end_word":2859,"sentiment":"negative","sentiment_score":-0.3949739933013916},{"text":"Yep. Yep. So no. That's nice. And, Yep. otherwise, I guess, when it comes to your health and lifestyle, no kind of other issues health wise, like, you're all good after the hernia and everything? Yep. Everything's fine. Everything's Yep.","start_word":2860,"end_word":2899,"sentiment":"neutral","sentiment_score":0.09749211370944975},{"text":"perfect. Perfect.","start_word":2900,"end_word":2901,"sentiment":"positive","sentiment_score":0.506324291229248},{"text":"Yep. When it comes to your estate planning, I do have here that you have a will, but it was a little bit outdated. Yes. It's very outdated. I remember one time we've done it when the kids were younger and Yep. before we went to South Africa because we got my wife and we're going to South Africa. Yeah. And and we end up leaving her, like, the guardians of the wheel of the kids and other things. But now all my three of my kids are adults and, Yeah. yeah, it Might need oh, yeah. I should definitely need to change it to at least change it to them being in check it as in Yeah. control and Yep. vice versa. And then it's something special now with the investment property as well, Yep. you know, making sure that all the assets and stuff are covered. So if something ever were to happen to you or you and your wife, that, you know, there is a bit of a bit of an estate plan in place for what you guys want to have happen. Okay. Yep. So should we just go to that same system views, like, over ten years ago and just get it It's updated? Or it's up to you who who you did it with and the cost and stuff like that. What I can do otherwise for you because everyone is sometimes specialized in different things and prices is also a thing. Otherwise, what I can do for you is when I send you the cash flow on budget, I can send you some price guides on a firm that we work closely with. That way you have their Okay. prices and contact details. If it is something you you're interested in, you can just call them and say, hey. I do have an outdated will. You know, what's the cost, or can we just because if you get a new one in place, that usually cancels out the old one. Okay. So they can kind of help best guide you on that. And will And if and once you pay for a will, they never expire. They just sit there till you get a new yes. will or you die? Yes and no. They do they do change. They can expire based on your situation. So, typically and because I'm not a lawyer, I can't obviously give you any legal advice. But but typically Yeah. No.","start_word":2902,"end_word":3314,"sentiment":"neutral","sentiment_score":0.004188708600207045},{"text":"That's shit. typically, if you get married, it does tend to cancel out a a will.","start_word":3315,"end_word":3330,"sentiment":"negative","sentiment_score":-0.37294748425483704},{"text":"And some some so that's kind of, like, usually the tricky point. So if you were to have a will yourself and then you get married, that kind of makes Yep.","start_word":3331,"end_word":3361,"sentiment":"neutral","sentiment_score":-0.2852863073348999},{"text":"that null and void.","start_word":3362,"end_word":3365,"sentiment":"negative","sentiment_score":-0.4302917420864105},{"text":"So No. there The last are room situation last room worked together. So perfect. Yeah. So it should all be good then unless you've had, you know, there is, like, a, yeah, like, a married or a divorce or something like that. That should all be good. yep. Yep. But, yeah, it's always good to check anyway. But, yeah, it's otherwise, it stays in place unless you've had those major changes. But it is good to make sure that your your assets and everything, especially if your kids are now older and stuff, to Yep. kind of get that sorted. So do you want me to send you just a brochure just so you have it if if it does Okay. Yes, you please. know, if it is Yep. something? Yeah. Okay.","start_word":3366,"end_word":3497,"sentiment":"neutral","sentiment_score":0.10128487680446016},{"text":"Perfect. Yep.","start_word":3498,"end_word":3499,"sentiment":"positive","sentiment_score":0.4516417682170868},{"text":"I'll give them a call and see what the quote is, and then I'll bounce that off the ones we currently use and, Yeah. yeah, just go Exactly. get the cheapest first. Exactly. Otherwise, when it comes to your super and stuff, I do have here at your wife, Yep. Jade, nominated to receive your benefits if something were to happen. That's still correct? Yeah. That's fine.","start_word":3500,"end_word":3566,"sentiment":"neutral","sentiment_score":0.1595500111579895},{"text":"Yeah. Great. And the good thing as well, especially with your kids being a bit older, if it goes to her because she's yourself, it's completely tax free.","start_word":3567,"end_word":3594,"sentiment":"positive","sentiment_score":0.4748185575008392},{"text":"Kids Yep. over 18 on last day have a disability or, you know, at uni and stuff, they can pay tax on their benefits. But if it goes to your wife, it's completely tax free. Okay. Okay.","start_word":3595,"end_word":3631,"sentiment":"neutral","sentiment_score":0.1949424147605896},{"text":"No problem. It's So good. perfect.","start_word":3632,"end_word":3637,"sentiment":"positive","sentiment_score":0.5314719080924988},{"text":"Now I guess other goals and stuff that you guys are working towards in the next couple of years, obviously, settle into the investment property and get all of that sorted. Is there anything else that you are kind of working towards in the next couple of years that Yep. could be financial Yeah. or Well, nonfinancial goals? yeah, the I'm main moving, one is obviously. is moving to Sunshine Coast. And then soon as this Yep. house is settled on May, we wanna try and get something else cheap up there to get in the catchment area, Mountain Creek High School, get my son to the school, and Yep. Yep. sort of live between Sydney and there. But but, yeah, there's something Yep. Yep. like a cheaper sort of place, you know, around a million dollar mark, around a million dollars or something if we can. Yep. And Yep. Perfect. yeah. So that's the next to get that done before, obviously, Christmas or towards the end of this year and have it settled so we have somewhere to move to. Whether we Yeah. ever sell our house or rent it out, which, yeah, Yep. we need somebody to go. Yeah. Yep.","start_word":3638,"end_word":3839,"sentiment":"neutral","sentiment_score":0.10073181986808775},{"text":"Oh, that's that's exciting.","start_word":3840,"end_word":3843,"sentiment":"positive","sentiment_score":0.3594302535057068},{"text":"I've got a couple of things lined up.","start_word":3844,"end_word":3851,"sentiment":"neutral","sentiment_score":0.23337635397911072},{"text":"Although that Gold Coast Wolf did say that, yeah, we're fine to borrowing capacity to get another one, so that was all good. Yeah. I think too because you're on a very good income. And because of your property in Sydney too, you know, but you you have a lot of equity in the property, that Yep. definitely Yep. helps and works in in your favor. Okay. That's good to know.","start_word":3852,"end_word":3922,"sentiment":"positive","sentiment_score":0.5183847546577454},{"text":"Yep. Now the other thing I do quickly wanna run over with you, Damian, is just an updated risk profile questionnaire. It is just multiple choice questions. No right or wrong answer. It's just whatever you feel is the most appropriate for you. Does that make sense? Okay. Yes. Yep.","start_word":3923,"end_word":3972,"sentiment":"neutral","sentiment_score":0.11375429481267928},{"text":"Perfect.","start_word":3973,"end_word":3973,"sentiment":"positive","sentiment_score":0.4151418209075928},{"text":"Now some of them can be a bit tricky. So if it doesn't make sense, just let me know. Okay. Yep. Now have you ever bought direct shares yourself? No. Nope. Perfect. Otherwise, when it comes to your super plan or when you wanna retire and access super, I have here at roughly age 60 with a thousand dollar a week per income ideally from super. Is that That's still pretty the yeah. case? That's probably probably not. I'd probably have to say 65. 65. Okay. Yep. And with a thousand dollars a week. When I've done that about five years ago, you probably realized thousand dollars a week. So it's been $2,000 a week now. Yep. Update that to 2,000. Yeah. Probably, I'd say so. Yeah. Yeah. And most people are the same. They most people tend to and, I guess, it depends on, you know, what your bills are and how extravagant, how much travel and stuff you wanna do. Most people see seem to sit between 1,000 and 3,000 up to $2.05, depending Yep. on, obviously, what the goals are. So you're very much in that kind Okay. of, good range. Okay. Now, otherwise, when it comes to how much risk you're willing to take for superannuation, I've are always you had a pretty I've always had a pretty No. low motor in that, haven't I? Yes. You are currently in a growth. So kind of somewhere in the middle where we're still focusing on growth, but not your high growth or aggressive. So you are kind of, You yeah, know? somewhere somewhere in the middle. Would you say that I that's know. still applicable, Yes, like, kind Dan. of I moderate? I just I just know that Trump's since Trump's been in office and something else has always been going on around the world that it's just not really doing anything anymore. And then I don't know whether it's the right time to take more risk or not or just like I said, it just feels like these last twelve months has just been contributions. The only thing that's going in there and, yeah, it's never actually it's actually really performed around or anything. So It actually yeah. it actually has done really well despite all of that, which I'll actually go through with you shortly, Okay. which is Alrighty. very good because this despite despite there's been quite a bit of fluctuation, like you said, in the last twelve months, obviously, Yep. like you said, with Trump, tariffs, everything, and, obviously, more recently, the war and everything like that, overall, we in in the When last you twelve when months, we you have seen. when you guys Yeah. factors factor percentage of yearly growth in that, is that including the contributions I put in or nothing to do with the contributions Mhmm. Not I put in? nothing to do with that. It is just the growth of your investments to show you Okay. that. Okay. Yep. Yep. Yep. Just to to to be a bit more fair on just how your investment alone Okay. has done. Yep. I'll probably just Now leave it how it is then if it hasn't done too bad. well, in the last twelve months, now this is after fees as well.","start_word":3974,"end_word":4524,"sentiment":"neutral","sentiment_score":0.006142137371875792},{"text":"Your portfolio has still gone up by 8.03, and that is after fees, which we're quite happy K. with given what's happened in the last twelve months. Now Okay.","start_word":4525,"end_word":4553,"sentiment":"positive","sentiment_score":0.6337304711341858},{"text":"talk talking about your investments overall, there are some that's done really, really, really well, like the Global X lithium have done about a 114, which is pretty crazy, especially recently with fuel prices and everything Sorry. and You're break you're people breaking up at the moment. no. That's okay. Can you hear me? No. The line's just I'm sort of getting every second word at the moment for some reason. Just Okay. going past Do you want the me airport to at Sydney. do you want me to hang on a little bit and see if that if it improves for you? Because Yep. we don't have to I I'll sit around this corner, and I'll just see if it picks up. Can you just keep talking for a sec? yep. Yeah. And it's not Okay. Yeah. too Yeah. much You're back more now. Yeah. yeah. Okay.","start_word":4554,"end_word":4701,"sentiment":"neutral","sentiment_score":0.00866443756967783},{"text":"Perfect.","start_word":4702,"end_word":4702,"sentiment":"positive","sentiment_score":0.4089149236679077},{"text":"Now what I was saying with your portfolio, so the way that we design your portfolio as well is that it is very diversified, and it is designed that if some areas do really well, it kind of negates, and you have a bit of a balance. Sorry. At certain times, some investments are gonna do a lot better and other times, not depending on what is happening. So for example, with your portfolio, that some of your investments have done very well where your your lithium investment that you have. So you have one that's called a global expiry tech and lithium, Obviously, with fuel prices, people moving through electric vehicles and everything, that one has been about a 114%, which is crazy. So Well well. you also, yeah, you also have one of the Asia investments that's at about 63%. Some of the defensive, obviously, a bit lower because they are designed to kind of stabilize your portfolio. So there is a bit of a mix overall, and that's how you want your portfolio designed. In saying that, though, I would like to do a bit more research on one of those investments and look to switch it out.","start_word":4703,"end_word":4903,"sentiment":"neutral","sentiment_score":0.11013839549537915},{"text":"Because we've done a lot of the a lot of investment research on your your managed fund, which is the Benelong Australian equity that you have in your portfolio. So when that was added to your portfolio, it was one of the best performing fund managers, and they were performing really well.","start_word":4904,"end_word":4955,"sentiment":"positive","sentiment_score":0.44848397374153137},{"text":"The function Sorry. It's of that one the yes?","start_word":4956,"end_word":4964,"sentiment":"neutral","sentiment_score":-0.07181315869092941},{"text":"line's going really bad again at the moment.","start_word":4965,"end_word":4972,"sentiment":"negative","sentiment_score":-0.4798548221588135},{"text":"Sorry No. about this. No. That's okay. Can you hear me? Did you mind just calling back in a minute? Like, one minute or Yep. something just to see if I Yep. can change Alright. the line because I'll I'm do yet so I'll do that, yeah. Jamie. Sorry. I'll I'll give you a callback. Alright. Thank Bye. you.","start_word":4973,"end_word":5031,"sentiment":"neutral","sentiment_score":-0.022625712677836415},{"text":"Thank you.","start_word":5032,"end_word":5033,"sentiment":"positive","sentiment_score":0.35749396681785583},{"text":"That's it.","start_word":5034,"end_word":5035,"sentiment":"neutral","sentiment_score":0.16006802022457123}],"average":{"sentiment":"neutral","sentiment_score":0.08966668959367392}}}}