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So you obviously you went through your application with Jack with respect to the cover with MetLife. And during that application, you disclosed anabolic steroids. MetLife, not my favorite provider when it comes to any kind of steroid use. So as an alternative, I wanna swap over to tal. Tal are much more lenient when it comes to any kind of analog steroids. They're happy with nonuse you know, if you haven't used anything for twelve months, for which, obviously, you haven't. You're sort of four ish years. So we're all fine there. With with respect to premium, we're pretty much on par, couple of dollars difference, but nothing too crazy with respect to the the the flip over. And I just wanted to obviously, because it's vice it's advice changing a product from MetLife over to to another product being CAL. I need to jump on the phone, make sure that you're comfortable to go ahead with that. And and just sort of let you know that that was kind of where I was heading. So same same with everything. Like, we've already done all the changes with your superannuation fund, same amount of cover that I wanna apply for with with Chow. It's just they're a little bit more favorable when it comes to to the history is all. So I can well, I've I've pretty much finished drawing up the actual advice document for it all. So I'll send that through you to you tomorrow to just have a read over it. Pretty much like the same. It's just slight figure changes, and, obviously, it's TAO rather than MetLife. Nothing changes in terms of the actual features of the policy. Both of the policies are pretty much, like, on par with each other, which is really good. It's just yeah. Tall Tall are happy with it with with steroids, really. Yeah. Cool. Alright. Well, I'll I'll get that that statement of advice just finalized and drawn up, and I will get that issued out to you tomorrow morning so that way you can have a read over it. And then are you okay if I get Jack to give you a call in sort of, say, like, next week? And he can just make sure that, obviously, the the details that you provided to MetLife can be provided to Tao, and we can, obviously, go and submit that application over that way. Yeah. Fantastic. Is there a day next week that works for you? Monday is another call today, just to throw that one out there. Alright. Let me have a quick look at Chuck's calendar and see when he may be available for you. Alright. Yeah. Would the next Thursday 04:00 work? Next Thursday at four? Perfect. Alright. I'll book that in Jack's calendar now, and he'll give you a call then. Okay. Have you had a chat to the neighbor? Okay. We're taking half the like, half of mom's okay. So you're just sort of carving off sort of an acre off mom's property? Yep. Okay. Perfect. Okay. Cool. So we're happy to just go ahead with the sub subdivision under just the acre. Did we did we talk to the neighbor at all, or we just kind of yeah. Okay. And then I'm assuming it's a little bit of a battle axe. Like, it'll be at the back of the mom's property. Okay. Yeah. Perfect. So currently applying to city planning to look at subdivision? Yep. Cool. Put the application in. Yep. Yep. Okay. And I guess the the deal with mom is, like, you guys are gonna make the repayments on the loan? Or yeah. And culminate her loan in. Yeah. Okay. Cool. Perfect. No. That that's perfect. Alright. So it's not as big as what we wanted to go to begin with, but it's where we wanted. It's what we wanted, and it gets us our own little slice of heaven. No. That's beautiful. Yeah. Well, I mean, as as we sort of discussed, some of the bills you guys can, you know, kind of get done and there's, you know, makes in the industry and everything else that you can possibly lean on. So, no, that's really good. Have we do we know what the subdivision costs are gonna be for just, like, months acre? Okay. Yeah. No. That's really good. Okay. So mom's basically sold the acre for 200. Okay. So that's cool. So, basically, the land cost will basically come up to about $3.50, and then you've got sort of another 300 to be able to to play with to build on. Yeah. Alright. Well, I mean, not impossible to be able to achieve with a build. It just depends, I guess, you know, as we sort sort of spoke about, depending on how big you wanna go or, you know, if you, you know, just use a build to get it to lock up stage and then do all the critifying yourself or beautification for yourself. Obviously, if you, you know, get a builder landscape and everything else to go from start all the way through until final, it's it's a little bit more expensive, but if you just get them to basically put to, you know, four walls, roof, insulation, lock up, doors, windows, you know, you you can definitely drop the cost. It's just a matter of you guys then going through and doing flooring and yeah. No. Absolutely. And, yeah, something that's achievable as well. Just and you've got steady and reliable housing right now, so even if it takes a little bit longer to do. Yeah. Yeah. Exactly. Come home at 04:00, get in, cut a bit of wood. Yeah. That's really good. No. That's fantastic. I'm really glad that that's that's going ahead. Similar shaped. Yeah. She's got a bit of an n when it comes to it. Yeah. I was gonna say I mean, the other option is is we just go back to just trying to build up that savings repertoire like like, I guess, buffer for twelve months and just really, really hammering getting our savings in and then being able to finance the whole thing straight up. So that's that's basically the other option is, like, you know, you guys just literally hammer the savings. If if mom can't get it done, then mom has the equity in her house. You you would yeah. I mean, you could probably take a personal loan out to do the subdivision. We could do a personal loan or a business loan for the subdivision to begin with, and then and then you could then go and once the subdivision's paid for, then do everything else. But, obviously, mom fronting it's the easier way, especially since she has the she has the equity in her property. And if you if remind me, you guys are paying rent? I I know it's small, but it's yeah. So she can show income from I mean, if she wants to show income from rent, then it gets mess it gets messy with business loans, but it the interest becomes a deduction, and there are some nuance yeah. There's some nuances with it, and you don't wanna hold the loan there for too long. You wanna try and get it out of the business as quick as possible because, otherwise, there there are issues withholding loans within businesses when it's a personal gain, taxes that the business may have to pay because of it. But, yes, you could do it under the business. And then, like, the the theory would be is basically some of your wages would go towards, like, paying it off because it's sort of a business loan for personal use. Possible. It's just wimey, tiny, fancy accounting and brokerage. So it's just a matter of making sure that you loop your accountant in into it and and the and just make having a good broker. So, yeah, see see see how mom goes first. I know her income wasn't which is probably the serviceability side, but she's got the equity in her house. So and if she's informing them that it's specifically for subdivision to sell it, they're probably gonna be more amenable knowing that she's gonna get cost back. Especially, like, if if she's upfront about why she's getting the loan saying, you know, I'm subdividing my property to sell it off, blah blah blah blah. They they they know that they it's gonna be a quick loan turnaround. They're gonna get their money back. It's more reliable. So she's not saying I'm getting a $150,000 to put it in my property. I'm, you know, seventy seventy years old, and maybe I'll pay it back. Or you can reclaim it when you sell my house. You know, it's it's I'm selling off a piece of my land. I'm subdividing. Let's go. So she should honestly be pretty fine so long as the broker's actually framing it right when they put the application through. Yeah. I'm really excited. Yeah. I'm really excited for you. Landowners. Oh, that'd be really good. Well, let me know. Keep keep me keep me appraised. And and if you run into any issues or if you have any random offshore shoot questions, just feel free to give me a call. And I don't know all of it, but I'll find out. Oh, amazing. Cool. Well, Jack will give you a call Thursday, and otherwise, I'll talk to you guys later. No. That's cool. Have a good one. 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Adam. Larissa from OP Financial. How are you going? Yeah. Good.\n\nThank you. I was just giving you a quick call to touch base. So you obviously you went through your application with Jack with respect to the cover with MetLife. And during that application, you disclosed anabolic steroids. MetLife, not my favorite provider when it comes to any kind of steroid use.\n\nSo as an alternative, I wanna swap over to tal. Tal are much more lenient when it comes to any kind of analog steroids. They're happy with nonuse you know, if you haven't used anything for twelve months, for which, obviously, you haven't. You're sort of four ish years. So we're all fine there.\n\nWith with respect to premium, we're pretty much on par, couple of dollars difference, but nothing too crazy with respect to the the the flip over. And I just wanted to obviously, because it's vice it's advice changing a product from MetLife over to to another product being CAL. I need to jump on the phone, make sure that you're comfortable to go ahead with that. And and just sort of let you know that that was kind of where I was heading. So same same with everything.\n\nLike, we've already done all the changes with your superannuation fund, same amount of cover that I wanna apply for with with Chow. It's just they're a little bit more favorable when it comes to to the history is all. So I can well, I've I've pretty much finished drawing up the actual advice document for it all. So I'll send that through you to you tomorrow to just have a read over it. Pretty much like the same.\n\nIt's just slight figure changes, and, obviously, it's TAO rather than MetLife. Nothing changes in terms of the actual features of the policy. Both of the policies are pretty much, like, on par with each other, which is really good. It's just yeah. Tall Tall are happy with it with with steroids, really.\n\nYeah. Cool. Alright. Well, I'll I'll get that that statement of advice just finalized and drawn up, and I will get that issued out to you tomorrow morning so that way you can have a read over it. And then are you okay if I get Jack to give you a call in sort of, say, like, next week?\n\nAnd he can just make sure that, obviously, the the details that you provided to MetLife can be provided to Tao, and we can, obviously, go and submit that application over that way. Yeah. Fantastic. Is there a day next week that works for you? Monday is another call today, just to throw that one out there.\n\nAlright. Let me have a quick look at Chuck's calendar and see when he may be available for you. Alright. Yeah. Would the next Thursday 04:00 work?\n\nNext Thursday at four? Perfect. Alright. I'll book that in Jack's calendar now, and he'll give you a call then. Okay.\n\nHave you had a chat to the neighbor? Okay. We're taking half the like, half of mom's okay. So you're just sort of carving off sort of an acre off mom's property? Yep.\n\nOkay. Perfect. Okay. Cool. So we're happy to just go ahead with the sub subdivision under just the acre.\n\nDid we did we talk to the neighbor at all, or we just kind of yeah. Okay. And then I'm assuming it's a little bit of a battle axe. Like, it'll be at the back of the mom's property. Okay.\n\nYeah. Perfect. So currently applying to city planning to look at subdivision? Yep. Cool.\n\nPut the application in. Yep. Yep. Okay. And I guess the the deal with mom is, like, you guys are gonna make the repayments on the loan?\n\nOr yeah. And culminate her loan in. Yeah. Okay. Cool.\n\nPerfect. No. That that's perfect. Alright. So it's not as big as what we wanted to go to begin with, but it's where we wanted.\n\nIt's what we wanted, and it gets us our own little slice of heaven. No. That's beautiful. Yeah. Well, I mean, as as we sort of discussed, some of the bills you guys can, you know, kind of get done and there's, you know, makes in the industry and everything else that you can possibly lean on.\n\nSo, no, that's really good. Have we do we know what the subdivision costs are gonna be for just, like, months acre? Okay. Yeah. No.\n\nThat's really good. Okay. So mom's basically sold the acre for 200. Okay. So that's cool.\n\nSo, basically, the land cost will basically come up to about $3.50, and then you've got sort of another 300 to be able to to play with to build on. Yeah. Alright. Well, I mean, not impossible to be able to achieve with a build. It just depends, I guess, you know, as we sort sort of spoke about, depending on how big you wanna go or, you know, if you, you know, just use a build to get it to lock up stage and then do all the critifying yourself or beautification for yourself.\n\nObviously, if you, you know, get a builder landscape and everything else to go from start all the way through until final, it's it's a little bit more expensive, but if you just get them to basically put to, you know, four walls, roof, insulation, lock up, doors, windows, you know, you you can definitely drop the cost. It's just a matter of you guys then going through and doing flooring and yeah. No. Absolutely. And, yeah, something that's achievable as well.\n\nJust and you've got steady and reliable housing right now, so even if it takes a little bit longer to do. Yeah. Yeah. Exactly. Come home at 04:00, get in, cut a bit of wood.\n\nYeah. That's really good. No. That's fantastic. I'm really glad that that's that's going ahead.\n\nSimilar shaped. Yeah. She's got a bit of an n when it comes to it. Yeah. I was gonna say I mean, the other option is is we just go back to just trying to build up that savings repertoire like like, I guess, buffer for twelve months and just really, really hammering getting our savings in and then being able to finance the whole thing straight up.\n\nSo that's that's basically the other option is, like, you know, you guys just literally hammer the savings. If if mom can't get it done, then mom has the equity in her house. You you would yeah. I mean, you could probably take a personal loan out to do the subdivision. We could do a personal loan or a business loan for the subdivision to begin with, and then and then you could then go and once the subdivision's paid for, then do everything else.\n\nBut, obviously, mom fronting it's the easier way, especially since she has the she has the equity in her property. And if you if remind me, you guys are paying rent? I I know it's small, but it's yeah. So she can show income from I mean, if she wants to show income from rent, then it gets mess it gets messy with business loans, but it the interest becomes a deduction, and there are some nuance yeah. There's some nuances with it, and you don't wanna hold the loan there for too long.\n\nYou wanna try and get it out of the business as quick as possible because, otherwise, there there are issues withholding loans within businesses when it's a personal gain, taxes that the business may have to pay because of it. But, yes, you could do it under the business. And then, like, the the theory would be is basically some of your wages would go towards, like, paying it off because it's sort of a business loan for personal use. Possible. It's just wimey, tiny, fancy accounting and brokerage.\n\nSo it's just a matter of making sure that you loop your accountant in into it and and the and just make having a good broker. So, yeah, see see see how mom goes first. I know her income wasn't which is probably the serviceability side, but she's got the equity in her house. So and if she's informing them that it's specifically for subdivision to sell it, they're probably gonna be more amenable knowing that she's gonna get cost back. Especially, like, if if she's upfront about why she's getting the loan saying, you know, I'm subdividing my property to sell it off, blah blah blah blah.\n\nThey they they know that they it's gonna be a quick loan turnaround. They're gonna get their money back. It's more reliable. So she's not saying I'm getting a $150,000 to put it in my property. I'm, you know, seventy seventy years old, and maybe I'll pay it back.\n\nOr you can reclaim it when you sell my house. You know, it's it's I'm selling off a piece of my land. I'm subdividing. Let's go. So she should honestly be pretty fine so long as the broker's actually framing it right when they put the application through.\n\nYeah. I'm really excited. Yeah. I'm really excited for you. Landowners.\n\nOh, that'd be really good. Well, let me know. Keep keep me keep me appraised. And and if you run into any issues or if you have any random offshore shoot questions, just feel free to give me a call. And I don't know all of it, but I'll find out.\n\nOh, amazing. Cool. Well, Jack will give you a call Thursday, and otherwise, I'll talk to you guys later. No. That's cool.\n\nHave a good one. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Adam.","start":3.9199998,"end":4.9,"sentiment":"neutral","sentiment_score":0.1679767742753029},{"text":"Larissa from OP Financial.","start":5.12,"end":6.56,"sentiment":"neutral","sentiment_score":0.18865007907152176},{"text":"How are you going?","start":6.56,"end":7.3799996,"sentiment":"neutral","sentiment_score":0.274141788482666},{"text":"Yeah.","start":9.12,"end":9.5199995,"sentiment":"neutral","sentiment_score":0.30873972177505493},{"text":"Good.","start":9.5199995,"end":10.0,"sentiment":"positive","sentiment_score":0.5267924070358276}],"sentiment":"neutral","sentiment_score":0.2518877622981866,"num_words":12,"start":3.9199998,"end":10.0},{"sentences":[{"text":"Thank you.","start":10.0,"end":10.82,"sentiment":"positive","sentiment_score":0.5955861806869507},{"text":"I was just giving you a quick call to touch base.","start":12.559999,"end":17.115,"sentiment":"neutral","sentiment_score":0.1817621046846563},{"text":"So you obviously you went through your application with Jack with respect to the cover with MetLife.","start":18.775,"end":24.954998,"sentiment":"neutral","sentiment_score":0.0553738893393208},{"text":"And during that application, you disclosed anabolic steroids.","start":26.215,"end":31.85,"sentiment":"neutral","sentiment_score":0.017353551229462028},{"text":"MetLife, not my favorite provider when it comes to any kind of steroid use.","start":33.27,"end":38.33,"sentiment":"neutral","sentiment_score":-0.026072982166494642}],"sentiment":"neutral","sentiment_score":0.0751099671380451,"num_words":52,"start":10.0,"end":38.33},{"sentences":[{"text":"So as an alternative, I wanna swap over to tal.","start":39.99,"end":44.895,"sentiment":"neutral","sentiment_score":0.03169659553095698},{"text":"Tal are much more lenient when it comes to any kind of analog steroids.","start":44.895,"end":48.275,"sentiment":"neutral","sentiment_score":0.06738454901746341},{"text":"They're happy with nonuse you know, if you haven't used anything for twelve months, for which, obviously, you haven't.","start":48.575,"end":56.74,"sentiment":"neutral","sentiment_score":0.049514267103452435},{"text":"You're sort of four ish years.","start":56.74,"end":58.52,"sentiment":"neutral","sentiment_score":0.014944111928343773},{"text":"So we're all fine there.","start":58.980003,"end":60.600002,"sentiment":"neutral","sentiment_score":0.2969004213809967}],"sentiment":"neutral","sentiment_score":0.06991273138879074,"num_words":54,"start":39.99,"end":60.600002},{"sentences":[{"text":"With with respect to premium, we're pretty much on par, couple of dollars difference, but nothing too crazy with respect to the the the flip over.","start":62.100002,"end":70.685,"sentiment":"neutral","sentiment_score":0.09231470389148363},{"text":"And I just wanted to obviously, because it's vice it's advice changing a product from MetLife over to to another product being CAL.","start":70.985,"end":79.485,"sentiment":"neutral","sentiment_score":0.03101200019211873},{"text":"I need to jump on the phone, make sure that you're comfortable to go ahead with that.","start":80.6,"end":84.38,"sentiment":"neutral","sentiment_score":0.080038041314658},{"text":"And and just sort of let you know that that was kind of where I was heading.","start":85.32,"end":88.52,"sentiment":"neutral","sentiment_score":0.07703428803121343},{"text":"So same same with everything.","start":88.52,"end":89.88,"sentiment":"neutral","sentiment_score":0.09433453232049942}],"sentiment":"neutral","sentiment_score":0.07108364279635927,"num_words":88,"start":62.100002,"end":89.88},{"sentences":[{"text":"Like, we've already done all the changes with your superannuation fund, same amount of cover that I wanna apply for with with Chow.","start":89.88,"end":97.185005,"sentiment":"neutral","sentiment_score":0.09087614763690077},{"text":"It's just they're a little bit more favorable when it comes to to the history is all.","start":97.245,"end":102.625,"sentiment":"neutral","sentiment_score":0.11385338841115727},{"text":"So I can well, I've I've pretty much finished drawing up the actual advice document for it all.","start":104.285,"end":109.29,"sentiment":"neutral","sentiment_score":0.0727635452316867},{"text":"So I'll send that through you to you tomorrow to just have a read over it.","start":109.770004,"end":113.13,"sentiment":"neutral","sentiment_score":0.11857466632500291},{"text":"Pretty much like the same.","start":113.13,"end":114.25,"sentiment":"neutral","sentiment_score":0.07328508049249649}],"sentiment":"neutral","sentiment_score":0.09619016299330735,"num_words":79,"start":89.88,"end":114.25},{"sentences":[{"text":"It's just slight figure changes, and, obviously, it's TAO rather than MetLife.","start":114.25,"end":118.43,"sentiment":"neutral","sentiment_score":-0.023956570929537218},{"text":"Nothing changes in terms of the actual features of the policy.","start":119.770004,"end":122.65,"sentiment":"neutral","sentiment_score":-0.06946711834858764},{"text":"Both of the policies are pretty much, like, on par with each other, which is really good.","start":122.65,"end":126.815,"sentiment":"positive","sentiment_score":0.6532400250434875},{"text":"It's just yeah.","start":127.915,"end":128.975,"sentiment":"positive","sentiment_score":0.6127496759096781},{"text":"Tall Tall are happy with it with with steroids, really.","start":129.435,"end":132.655,"sentiment":"positive","sentiment_score":0.6659315586090088}],"sentiment":"positive","sentiment_score":0.35001939408621696,"num_words":53,"start":114.25,"end":132.655},{"sentences":[{"text":"Yeah.","start":138.32999,"end":138.65,"sentiment":"neutral","sentiment_score":0.25440841913223267},{"text":"Cool.","start":138.65,"end":139.15,"sentiment":"positive","sentiment_score":0.35014456510543823},{"text":"Alright.","start":139.20999,"end":139.53,"sentiment":"neutral","sentiment_score":0.20891830325126648},{"text":"Well, I'll I'll get that that statement of advice just finalized and drawn up, and I will get that issued out to you tomorrow morning so that way you can have a read over it.","start":139.53,"end":150.435,"sentiment":"neutral","sentiment_score":0.24957448754991804},{"text":"And then are you okay if I get Jack to give you a call in sort of, say, like, next week?","start":150.435,"end":155.41501,"sentiment":"neutral","sentiment_score":0.08151137527255785}],"sentiment":"neutral","sentiment_score":0.1908528344484709,"num_words":59,"start":138.32999,"end":155.41501},{"sentences":[{"text":"And he can just make sure that, obviously, the the details that you provided to MetLife can be provided to Tao, and we can, obviously, go and submit that application over that way.","start":155.55501,"end":167.93,"sentiment":"neutral","sentiment_score":0.10020768077987613},{"text":"Yeah.","start":169.67,"end":170.17,"sentiment":"neutral","sentiment_score":0.2066120058298111},{"text":"Fantastic.","start":170.70999,"end":171.19,"sentiment":"positive","sentiment_score":0.5392419099807739},{"text":"Is there a day next week that works for you?","start":171.19,"end":173.03,"sentiment":"neutral","sentiment_score":0.1340961717069149},{"text":"Monday is another call today, just to throw that one out there.","start":173.03,"end":176.86499,"sentiment":"neutral","sentiment_score":0.0188157659334441}],"sentiment":"neutral","sentiment_score":0.0985869875406487,"num_words":57,"start":155.55501,"end":176.86499},{"sentences":[{"text":"Alright.","start":182.28499,"end":182.685,"sentiment":"neutral","sentiment_score":0.06317077577114105},{"text":"Let me have a quick look at Chuck's calendar and see when he may be available for you.","start":182.685,"end":187.345,"sentiment":"neutral","sentiment_score":0.052136596395737596},{"text":"Alright.","start":197.86,"end":198.36,"sentiment":"neutral","sentiment_score":0.03955505043268204},{"text":"Yeah.","start":198.58,"end":198.82,"sentiment":"neutral","sentiment_score":0.03179170936346054},{"text":"Would the next Thursday 04:00 work?","start":198.82,"end":200.84001,"sentiment":"neutral","sentiment_score":0.014961985483144721}],"sentiment":"neutral","sentiment_score":0.04306474754034921,"num_words":27,"start":182.28499,"end":200.84001},{"sentences":[{"text":"Next Thursday at four?","start":204.125,"end":205.745,"sentiment":"neutral","sentiment_score":0.0030521638691425328},{"text":"Perfect.","start":211.16501,"end":211.66501,"sentiment":"neutral","sentiment_score":0.2729109227657318},{"text":"Alright.","start":211.80501,"end":212.205,"sentiment":"neutral","sentiment_score":0.18182115256786344},{"text":"I'll book that in Jack's calendar now, and he'll give you a call then.","start":212.205,"end":215.585,"sentiment":"neutral","sentiment_score":0.17081178086144583},{"text":"Okay.","start":221.07,"end":221.57,"sentiment":"neutral","sentiment_score":0.02455301396548748}],"sentiment":"neutral","sentiment_score":0.13727898461123308,"num_words":21,"start":204.125,"end":221.57},{"sentences":[{"text":"Have you had a chat to the neighbor?","start":222.03,"end":223.57,"sentiment":"neutral","sentiment_score":0.008045897644478828},{"text":"Okay.","start":229.325,"end":229.565,"sentiment":"neutral","sentiment_score":-0.006659657694399357},{"text":"We're taking half the like, half of mom's okay.","start":229.565,"end":236.865,"sentiment":"neutral","sentiment_score":-0.01759114840792285},{"text":"So you're just sort of carving off sort of an acre off mom's property?","start":237.005,"end":240.865,"sentiment":"neutral","sentiment_score":-0.04984338288860662},{"text":"Yep.","start":251.35,"end":251.85,"sentiment":"neutral","sentiment_score":-0.01673409342765808}],"sentiment":"neutral","sentiment_score":-0.02470164442660682,"num_words":33,"start":222.03,"end":251.85},{"sentences":[{"text":"Okay.","start":256.245,"end":256.745,"sentiment":"neutral","sentiment_score":0.26439279317855835},{"text":"Perfect.","start":258.245,"end":258.745,"sentiment":"positive","sentiment_score":0.6203334927558899},{"text":"Okay.","start":259.285,"end":259.685,"sentiment":"positive","sentiment_score":0.4116992950439453},{"text":"Cool.","start":259.685,"end":260.085,"sentiment":"positive","sentiment_score":0.5734103918075562},{"text":"So we're happy to just go ahead with the sub subdivision under just the acre.","start":260.085,"end":265.305,"sentiment":"positive","sentiment_score":0.619072304169337}],"sentiment":"positive","sentiment_score":0.5871537123855791,"num_words":19,"start":256.245,"end":265.305},{"sentences":[{"text":"Did we did we talk to the neighbor at all, or we just kind of yeah.","start":265.605,"end":279.45,"sentiment":"neutral","sentiment_score":0.02026456594467163},{"text":"Okay.","start":283.04498,"end":283.54498,"sentiment":"neutral","sentiment_score":0.010054738260805609},{"text":"And then I'm assuming it's a little bit of a battle axe.","start":283.60498,"end":286.56497,"sentiment":"neutral","sentiment_score":-0.011093935102204947},{"text":"Like, it'll be at the back of the mom's property.","start":286.56497,"end":288.82498,"sentiment":"neutral","sentiment_score":0.013110882043838501},{"text":"Okay.","start":302.5,"end":303.0,"sentiment":"neutral","sentiment_score":0.08596180379390717}],"sentiment":"neutral","sentiment_score":0.010455779909534613,"num_words":40,"start":265.605,"end":303.0},{"sentences":[{"text":"Yeah.","start":303.3,"end":303.54,"sentiment":"neutral","sentiment_score":0.13266408443450928},{"text":"Perfect.","start":303.54,"end":304.04,"sentiment":"neutral","sentiment_score":0.25134098529815674},{"text":"So currently applying to city planning to look at subdivision?","start":304.9,"end":309.79498,"sentiment":"neutral","sentiment_score":0.1162545844912529},{"text":"Yep.","start":315.29498,"end":315.79498,"sentiment":"neutral","sentiment_score":0.2129882574081421},{"text":"Cool.","start":316.655,"end":317.155,"sentiment":"neutral","sentiment_score":0.3123529553413391}],"sentiment":"neutral","sentiment_score":0.14799229481390544,"num_words":14,"start":303.3,"end":317.155},{"sentences":[{"text":"Put the application in.","start":320.43,"end":321.81,"sentiment":"neutral","sentiment_score":0.10265528596937656},{"text":"Yep.","start":325.39,"end":325.89,"sentiment":"neutral","sentiment_score":0.07782390713691711},{"text":"Yep.","start":329.71,"end":330.21,"sentiment":"neutral","sentiment_score":0.13141900300979614},{"text":"Okay.","start":337.645,"end":338.145,"sentiment":"neutral","sentiment_score":0.07337619364261627},{"text":"And I guess the the deal with mom is, like, you guys are gonna make the repayments on the loan?","start":338.365,"end":342.365,"sentiment":"neutral","sentiment_score":0.05370535757392645}],"sentiment":"neutral","sentiment_score":0.06545731107945796,"num_words":27,"start":320.43,"end":342.365},{"sentences":[{"text":"Or yeah.","start":342.365,"end":350.46,"sentiment":"neutral","sentiment_score":0.06022602505981923},{"text":"And culminate her loan in.","start":350.46,"end":352.88,"sentiment":"neutral","sentiment_score":0.07143452242016793},{"text":"Yeah.","start":353.9,"end":354.22,"sentiment":"neutral","sentiment_score":0.05790061131119728},{"text":"Okay.","start":354.22,"end":354.54,"sentiment":"neutral","sentiment_score":0.0744084045290947},{"text":"Cool.","start":354.54,"end":355.04,"sentiment":"neutral","sentiment_score":0.1122831404209137}],"sentiment":"neutral","sentiment_score":0.07222168184816838,"num_words":10,"start":342.365,"end":355.04},{"sentences":[{"text":"Perfect.","start":356.075,"end":356.575,"sentiment":"neutral","sentiment_score":0.20785486698150635},{"text":"No.","start":365.43503,"end":365.755,"sentiment":"neutral","sentiment_score":-0.03168271481990814},{"text":"That that's perfect.","start":365.755,"end":366.795,"sentiment":"neutral","sentiment_score":0.07431145012378694},{"text":"Alright.","start":366.795,"end":367.035,"sentiment":"neutral","sentiment_score":0.07478990405797958},{"text":"So it's not as big as what we wanted to go to begin with, but it's where we wanted.","start":367.035,"end":373.66998,"sentiment":"neutral","sentiment_score":-0.003434986660355016}],"sentiment":"neutral","sentiment_score":0.01634526640176773,"num_words":25,"start":356.075,"end":373.66998},{"sentences":[{"text":"It's what we wanted, and it gets us our own little slice of heaven.","start":373.66998,"end":376.72998,"sentiment":"positive","sentiment_score":0.7076371993337359},{"text":"No.","start":379.66998,"end":379.91,"sentiment":"neutral","sentiment_score":0.1203661784529686},{"text":"That's beautiful.","start":379.91,"end":380.65,"sentiment":"positive","sentiment_score":0.5757101476192474},{"text":"Yeah.","start":384.165,"end":384.48502,"sentiment":"neutral","sentiment_score":0.10131649672985076},{"text":"Well, I mean, as as we sort of discussed, some of the bills you guys can, you know, kind of get done and there's, you know, makes in the industry and everything else that you can possibly lean on.","start":384.48502,"end":396.42502,"sentiment":"neutral","sentiment_score":0.0893978224350856}],"sentiment":"neutral","sentiment_score":0.2590620848431922,"num_words":57,"start":373.66998,"end":396.42502},{"sentences":[{"text":"So, no, that's really good.","start":398.25,"end":399.62997,"sentiment":"neutral","sentiment_score":0.28100891411304474},{"text":"Have we do we know what the subdivision costs are gonna be for just, like, months acre?","start":399.69,"end":404.91,"sentiment":"neutral","sentiment_score":0.026513406459022972},{"text":"Okay.","start":408.97,"end":409.47,"sentiment":"neutral","sentiment_score":0.08495748043060303},{"text":"Yeah.","start":423.63998,"end":424.13998,"sentiment":"neutral","sentiment_score":0.051923781633377075},{"text":"No.","start":429.08,"end":429.4,"sentiment":"neutral","sentiment_score":-0.06076823174953461}],"sentiment":"neutral","sentiment_score":0.07727542042732238,"num_words":25,"start":398.25,"end":429.4},{"sentences":[{"text":"That's really good.","start":429.4,"end":430.62,"sentiment":"neutral","sentiment_score":0.021794990946849186},{"text":"Okay.","start":442.215,"end":442.695,"sentiment":"neutral","sentiment_score":0.03750095143914223},{"text":"So mom's basically sold the acre for 200.","start":442.695,"end":445.115,"sentiment":"neutral","sentiment_score":0.038506853859871626},{"text":"Okay.","start":446.55,"end":446.87,"sentiment":"neutral","sentiment_score":0.22238296270370483},{"text":"So that's cool.","start":446.87,"end":447.50998,"sentiment":"positive","sentiment_score":0.356876681248347}],"sentiment":"neutral","sentiment_score":0.10649711010046303,"num_words":16,"start":429.4,"end":447.50998},{"sentences":[{"text":"So, basically, the land cost will basically come up to about $3.50, and then you've got sort of another 300 to be able to to play with to build on.","start":447.50998,"end":455.61,"sentiment":"neutral","sentiment_score":0.14255197420716287},{"text":"Yeah.","start":459.445,"end":459.845,"sentiment":"neutral","sentiment_score":0.08739687502384186},{"text":"Alright.","start":459.845,"end":460.085,"sentiment":"neutral","sentiment_score":0.1269725263118744},{"text":"Well, I mean, not impossible to be able to achieve with a build.","start":460.085,"end":463.305,"sentiment":"neutral","sentiment_score":0.048866886932116285},{"text":"It just depends, I guess, you know, as we sort sort of spoke about, depending on how big you wanna go or, you know, if you, you know, just use a build to get it to lock up stage and then do all the critifying yourself or beautification for yourself.","start":463.765,"end":478.13998,"sentiment":"neutral","sentiment_score":0.0642701144143939}],"sentiment":"neutral","sentiment_score":0.08778635661460851,"num_words":95,"start":447.50998,"end":478.13998},{"sentences":[{"text":"Obviously, if you, you know, get a builder landscape and everything else to go from start all the way through until final, it's it's a little bit more expensive, but if you just get them to basically put to, you know, four walls, roof, insulation, lock up, doors, windows, you know, you you can definitely drop the cost.","start":478.68,"end":497.64502,"sentiment":"neutral","sentiment_score":0.10281153829318695},{"text":"It's just a matter of you guys then going through and doing flooring and yeah.","start":497.64502,"end":505.52,"sentiment":"neutral","sentiment_score":0.06662497346599897},{"text":"No.","start":505.74,"end":505.97998,"sentiment":"neutral","sentiment_score":0.010607350617647173},{"text":"Absolutely.","start":505.97998,"end":506.47998,"sentiment":"neutral","sentiment_score":0.16130965948104858},{"text":"And, yeah, something that's achievable as well.","start":506.53998,"end":508.8,"sentiment":"neutral","sentiment_score":0.23305108078888484}],"sentiment":"neutral","sentiment_score":0.1068990048611673,"num_words":82,"start":478.68,"end":508.8},{"sentences":[{"text":"Just and you've got steady and reliable housing right now, so even if it takes a little bit longer to do.","start":508.94,"end":515.025,"sentiment":"neutral","sentiment_score":0.24221222599347433},{"text":"Yeah.","start":521.185,"end":521.685,"sentiment":"neutral","sentiment_score":0.011385096237063408},{"text":"Yeah.","start":522.54504,"end":522.705,"sentiment":"neutral","sentiment_score":0.015837278217077255},{"text":"Exactly.","start":522.705,"end":523.185,"sentiment":"neutral","sentiment_score":0.03086165711283684},{"text":"Come home at 04:00, get in, cut a bit of wood.","start":523.185,"end":526.085,"sentiment":"neutral","sentiment_score":0.011977294121276249}],"sentiment":"neutral","sentiment_score":0.15075117179325648,"num_words":35,"start":508.94,"end":526.085},{"sentences":[{"text":"Yeah.","start":527.185,"end":527.685,"sentiment":"neutral","sentiment_score":0.07407888770103455},{"text":"That's really good.","start":529.29,"end":530.25,"sentiment":"positive","sentiment_score":0.6006952524185181},{"text":"No.","start":530.25,"end":530.49,"sentiment":"positive","sentiment_score":0.4211798906326294},{"text":"That's fantastic.","start":530.49,"end":531.23,"sentiment":"positive","sentiment_score":0.6697836518287659},{"text":"I'm really glad that that's that's going ahead.","start":531.45,"end":534.26996,"sentiment":"positive","sentiment_score":0.5920224785804749}],"sentiment":"positive","sentiment_score":0.5582061111927032,"num_words":15,"start":527.185,"end":534.26996},{"sentences":[{"text":"Similar shaped.","start":548.585,"end":549.645,"sentiment":"neutral","sentiment_score":0.05079133063554764},{"text":"Yeah.","start":550.34503,"end":550.84503,"sentiment":"neutral","sentiment_score":0.04505638778209686},{"text":"She's got a bit of an n when it comes to it.","start":551.385,"end":553.645,"sentiment":"neutral","sentiment_score":0.04965157030771176},{"text":"Yeah.","start":563.25995,"end":563.75995,"sentiment":"neutral","sentiment_score":0.04940027371048927},{"text":"I was gonna say I mean, the other option is is we just go back to just trying to build up that savings repertoire like like, I guess, buffer for twelve months and just really, really hammering getting our savings in and then being able to finance the whole thing straight up.","start":565.98,"end":583.64,"sentiment":"neutral","sentiment_score":0.06972347110366592}],"sentiment":"neutral","sentiment_score":0.06496292152715956,"num_words":68,"start":548.585,"end":583.64},{"sentences":[{"text":"So that's that's basically the other option is, like, you know, you guys just literally hammer the savings.","start":588.02,"end":592.10004,"sentiment":"neutral","sentiment_score":0.01560224654773871},{"text":"If if mom can't get it done, then mom has the equity in her house.","start":592.10004,"end":596.715,"sentiment":"neutral","sentiment_score":0.00007006178299585978},{"text":"You you would yeah.","start":600.855,"end":602.535,"sentiment":"neutral","sentiment_score":0.13600528985261917},{"text":"I mean, you could probably take a personal loan out to do the subdivision.","start":602.535,"end":605.435,"sentiment":"neutral","sentiment_score":0.1250640776540552},{"text":"We could do a personal loan or a business loan for the subdivision to begin with, and then and then you could then go and once the subdivision's paid for, then do everything else.","start":606.87,"end":617.69,"sentiment":"neutral","sentiment_score":0.16583568186444395}],"sentiment":"neutral","sentiment_score":0.09664967993603032,"num_words":85,"start":588.02,"end":617.69},{"sentences":[{"text":"But, obviously, mom fronting it's the easier way, especially since she has the she has the equity in her property.","start":620.405,"end":628.265,"sentiment":"positive","sentiment_score":0.4097731340676546},{"text":"And if you if remind me, you guys are paying rent?","start":630.24506,"end":634.02,"sentiment":"neutral","sentiment_score":0.04589583741670305},{"text":"I I know it's small, but it's yeah.","start":634.9,"end":637.56,"sentiment":"neutral","sentiment_score":0.034461184637621045},{"text":"So she can show income from I mean, if she wants to show income from rent, then it gets mess it gets messy with business loans, but it the interest becomes a deduction, and there are some nuance yeah.","start":637.86005,"end":666.05,"sentiment":"neutral","sentiment_score":0.034195416821883276},{"text":"There's some nuances with it, and you don't wanna hold the loan there for too long.","start":666.05,"end":669.97,"sentiment":"neutral","sentiment_score":-0.14487343886867166}],"sentiment":"neutral","sentiment_score":0.08501758089566484,"num_words":94,"start":620.405,"end":669.97},{"sentences":[{"text":"You wanna try and get it out of the business as quick as possible because, otherwise, there there are issues withholding loans within businesses when it's a personal gain, taxes that the business may have to pay because of it.","start":669.97,"end":684.925,"sentiment":"neutral","sentiment_score":-0.12778518479317427},{"text":"But, yes, you could do it under the business.","start":685.225,"end":691.11,"sentiment":"neutral","sentiment_score":0.09542951774266031},{"text":"And then, like, the the theory would be is basically some of your wages would go towards, like, paying it off because it's sort of a business loan for personal use.","start":691.11,"end":699.05,"sentiment":"neutral","sentiment_score":0.025988262912799275},{"text":"Possible.","start":699.67,"end":700.17,"sentiment":"neutral","sentiment_score":-0.03656236082315445},{"text":"It's just wimey, tiny, fancy accounting and brokerage.","start":700.23,"end":705.385,"sentiment":"neutral","sentiment_score":-0.1359639810398221}],"sentiment":"neutral","sentiment_score":-0.051361570684134626,"num_words":89,"start":669.97,"end":705.385},{"sentences":[{"text":"So it's just a matter of making sure that you loop your accountant in into it and and the and just make having a good broker.","start":707.685,"end":716.10504,"sentiment":"neutral","sentiment_score":0.1593468586126199},{"text":"So, yeah, see see see how mom goes first.","start":720.77,"end":723.51,"sentiment":"neutral","sentiment_score":0.05364719426466359},{"text":"I know her income wasn't which is probably the serviceability side, but she's got the equity in her house.","start":723.57,"end":728.52997,"sentiment":"neutral","sentiment_score":0.040090287006215045},{"text":"So and if she's informing them that it's specifically for subdivision to sell it, they're probably gonna be more amenable knowing that she's gonna get cost back.","start":728.52997,"end":736.485,"sentiment":"neutral","sentiment_score":0.059851179382315385},{"text":"Especially, like, if if she's upfront about why she's getting the loan saying, you know, I'm subdividing my property to sell it off, blah blah blah blah.","start":738.385,"end":746.31,"sentiment":"neutral","sentiment_score":0.008832632943435951}],"sentiment":"neutral","sentiment_score":0.06705575424280984,"num_words":108,"start":707.685,"end":746.31},{"sentences":[{"text":"They they they know that they it's gonna be a quick loan turnaround.","start":746.93,"end":750.13,"sentiment":"neutral","sentiment_score":0.05692045304637689},{"text":"They're gonna get their money back.","start":750.13,"end":751.17,"sentiment":"neutral","sentiment_score":0.10680980483690898},{"text":"It's more reliable.","start":751.17,"end":752.05,"sentiment":"neutral","sentiment_score":0.12028397868076961},{"text":"So she's not saying I'm getting a $150,000 to put it in my property.","start":752.05,"end":755.19,"sentiment":"neutral","sentiment_score":-0.008856065039123808},{"text":"I'm, you know, seventy seventy years old, and maybe I'll pay it back.","start":755.815,"end":759.59503,"sentiment":"neutral","sentiment_score":-0.0028930515624009646}],"sentiment":"neutral","sentiment_score":0.03224657293485136,"num_words":49,"start":746.93,"end":759.59503},{"sentences":[{"text":"Or you can reclaim it when you sell my house.","start":760.775,"end":762.875,"sentiment":"neutral","sentiment_score":0.02873497400432825},{"text":"You know, it's it's I'm selling off a piece of my land.","start":763.17505,"end":765.91504,"sentiment":"neutral","sentiment_score":-0.030861669375250738},{"text":"I'm subdividing.","start":766.455,"end":767.195,"sentiment":"neutral","sentiment_score":0.00440576794790104},{"text":"Let's go.","start":767.49506,"end":768.18,"sentiment":"neutral","sentiment_score":0.04077504202723503},{"text":"So she should honestly be pretty fine so long as the broker's actually framing it right when they put the application through.","start":769.06,"end":775.56,"sentiment":"neutral","sentiment_score":0.23423870720646597}],"sentiment":"neutral","sentiment_score":0.10751297679234995,"num_words":48,"start":760.775,"end":775.56},{"sentences":[{"text":"Yeah.","start":778.58,"end":779.08,"sentiment":"neutral","sentiment_score":0.05377747863531113},{"text":"I'm really excited.","start":779.22,"end":780.36,"sentiment":"neutral","sentiment_score":0.125848022600015},{"text":"Yeah.","start":780.89996,"end":781.14,"sentiment":"neutral","sentiment_score":0.1547379195690155},{"text":"I'm really excited for you.","start":781.14,"end":782.76,"sentiment":"positive","sentiment_score":0.419010329246521},{"text":"Landowners.","start":792.145,"end":792.645,"sentiment":"neutral","sentiment_score":0.12786391377449036}],"sentiment":"neutral","sentiment_score":0.2553613660010425,"num_words":11,"start":778.58,"end":792.645},{"sentences":[{"text":"Oh, that'd be really good.","start":796.32,"end":797.76,"sentiment":"positive","sentiment_score":0.4247521758079529},{"text":"Well, let me know.","start":797.76,"end":798.8,"sentiment":"neutral","sentiment_score":0.20563692972064018},{"text":"Keep keep me keep me appraised.","start":798.8,"end":800.4,"sentiment":"neutral","sentiment_score":0.2927501971522967},{"text":"And and if you run into any issues or if you have any random offshore shoot questions, just feel free to give me a call.","start":800.4,"end":806.16003,"sentiment":"neutral","sentiment_score":0.19816193461418152},{"text":"And I don't know all of it, but I'll find out.","start":806.16003,"end":809.97504,"sentiment":"neutral","sentiment_score":0.007961203767494722}],"sentiment":"neutral","sentiment_score":0.19106728211045265,"num_words":51,"start":796.32,"end":809.97504},{"sentences":[{"text":"Oh, amazing.","start":814.275,"end":815.015,"sentiment":"positive","sentiment_score":0.7322434782981873},{"text":"Cool.","start":815.235,"end":815.47504,"sentiment":"positive","sentiment_score":0.6179406642913818},{"text":"Well, Jack will give you a call Thursday, and otherwise, I'll talk to you guys later.","start":815.47504,"end":820.135,"sentiment":"neutral","sentiment_score":0.21043808944523335},{"text":"No.","start":822.4889,"end":822.72894,"sentiment":"neutral","sentiment_score":0.06923344731330872},{"text":"That's cool.","start":822.72894,"end":823.6289,"sentiment":"positive","sentiment_score":0.37465500086545944}],"sentiment":"neutral","sentiment_score":0.2849082045934417,"num_words":22,"start":814.275,"end":823.6289},{"sentences":[{"text":"Have a good one.","start":825.28894,"end":826.34894,"sentiment":"positive","sentiment_score":0.5930476039648056},{"text":"Bye.","start":826.40894,"end":826.90894,"sentiment":"neutral","sentiment_score":-0.11606577038764954}],"sentiment":"positive","sentiment_score":0.45122492909431455,"num_words":5,"start":825.28894,"end":826.90894}]}}]},{"alternatives":[{"transcript":"Hello? I'm good. How are you? Yeah. Yeah. Yes. Uh-huh. Yeah. Yes. Yes. Mhmm. Yep. Yep. Yep. Uh-huh. Yeah. I can. Yep. Yep. Uh-huh. Yep. Yes. Awesome. Oh, yeah. Okay. So yeah. That makes sense. But yeah. Mhmm. Yep. Okay. Alright. Perfect. No. Any day, like, at this time is fine for me. Yep. Do the poll. Sorry. What what was that? Sorry. Next Thursday. Next Thursday at four works for me. Ali wanted me to tell you that we're doing the subdivision now. No. We're just using the land on the property to do it. Yeah. Well, there's there's an eight tub, but, like, a bit of a dog leg on it. Yeah. Yep. But we still need like, we obviously can't get the loan for the money, so her mom's gotta do it. So the first fit for the subdivision, and once we've got the subdivision, then we can get the loan and then yeah. Cool. Yeah. Yeah. Okay. No. No. We didn't talk to the manager at all. We just yeah. We just we we figured out that we can actually achieve it, but just with a bit of an awkward shape. So, yeah, we're just gonna try and run with that. Yeah. It'll, like, run down the right hand side, and then we just gotta make up a little bit of it on the backhand, but the majority of the property would just be, like, adjacent to her property. Her mom is getting finance approval, and then that'll allow us to do some of the stuff that we need yeah. All the application. I think there's a few other things that we need to do that we'll fork out upfront for. And then hopefully, she gets approved. And if she gets approved, then we can go from there, really. Yeah. For the for a short period, and then we'll go for our loan for that for the subdivision. Yeah. And then pay her out so that we might be paying the repayments for, I don't know, maybe a couple months or something. Depends how quickly it happens. But yeah. Yeah. Pretty much. Yeah. But, hopefully, they're under $6.50, maybe. Yeah. Yeah. Yeah. Yeah. Yeah. Around the $1.50 mark. Get that done and then the rest I think there's some other fees in there, and then we should have about $3.50 like, if we do get $6.50, then we should have about $3.50 to build. Let me do all that jazz. So and we've got to pay her mom to 200. We'll pay her mom 200, subdivision 150, and that'll leave us around $3.03 50 to build. Yep. To play with some building, you know, and see how we go with that. Yeah. Yeah. Yeah. Yeah. Well, I think we'll do owner build up, and they'll do majority of that. But yeah. Yeah. And we can just stay here until that's, you know, built, and it's only right next door to be able to chip away there. So, yeah, you know, chip away. Yeah. Pretty much. Yeah. Yeah. So that's the plan, and, hopefully, it all goes to plan. There is, like, a couple things that we you know, whether it does get approved for the shape, but Ali reckons it will because she's approved other ones in the neighborhood that's, like, the same sort of similar shape. And then yeah. So that's a massive kick. And then, obviously, if Carla can't pull it off either, then we're back to square one as well. But You But she should? Yeah. Yeah. Yeah. Oh, yeah. Yep. But we'd have to have that full subdivision, both upfront. Okay. Yeah. Yeah. Mhmm. Yeah. Yeah. Yeah. Yeah. If I if I took a business loan out to do that subdivision, then could I technically put that whole repayment on as a repayment through the company as a deduction if I got approved? Yeah. I yeah. Yeah. Yeah. Yeah. Uh-huh. Yep. Yeah. Mhmm. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Okay. Yeah. Well, yeah. Yep. Yeah. Yeah. Yeah. I gotcha. Yep. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Mhmm. Yeah. Yeah. Yeah. Okay. No. Well, fingers crossed. Yeah. Yeah. So that's that's the plan. So, hopefully, you know, a long way down the track yet, but maybe six months, we might be getting a bit of movement. Landowners. Yeah. Yeah. Mhmm. Okay. Yeah. Yeah. Okay. Perfect. Yep. Amazing. Alright. Thank you so much. You're welcome. Very good. 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I'm good. How are you? Yeah. Yeah.\n\nYes. Uh-huh. Yeah. Yes. Yes.\n\nMhmm. Yep. Yep. Yep. Uh-huh.\n\nYeah. I can. Yep. Yep. Uh-huh.\n\nYep. Yes. Awesome. Oh, yeah. Okay.\n\nSo yeah. That makes sense. But yeah. Mhmm. Yep.\n\nOkay. Alright. Perfect. No. Any day, like, at this time is fine for me.\n\nYep. Do the poll. Sorry. What what was that? Sorry.\n\nNext Thursday. Next Thursday at four works for me. Ali wanted me to tell you that we're doing the subdivision now. No. We're just using the land on the property to do it.\n\nYeah. Well, there's there's an eight tub, but, like, a bit of a dog leg on it. Yeah. Yep. But we still need like, we obviously can't get the loan for the money, so her mom's gotta do it.\n\nSo the first fit for the subdivision, and once we've got the subdivision, then we can get the loan and then yeah. Cool. Yeah. Yeah. Okay.\n\nNo. No. We didn't talk to the manager at all. We just yeah. We just we we figured out that we can actually achieve it, but just with a bit of an awkward shape.\n\nSo, yeah, we're just gonna try and run with that. Yeah. It'll, like, run down the right hand side, and then we just gotta make up a little bit of it on the backhand, but the majority of the property would just be, like, adjacent to her property. Her mom is getting finance approval, and then that'll allow us to do some of the stuff that we need yeah. All the application.\n\nI think there's a few other things that we need to do that we'll fork out upfront for. And then hopefully, she gets approved. And if she gets approved, then we can go from there, really. Yeah. For the for a short period, and then we'll go for our loan for that for the subdivision.\n\nYeah. And then pay her out so that we might be paying the repayments for, I don't know, maybe a couple months or something. Depends how quickly it happens. But yeah. Yeah.\n\nPretty much. Yeah. But, hopefully, they're under $6.50, maybe. Yeah. Yeah.\n\nYeah. Yeah. Yeah. Around the $1.50 mark. Get that done and then the rest I think there's some other fees in there, and then we should have about $3.50 like, if we do get $6.50, then we should have about $3.50 to build.\n\nLet me do all that jazz. So and we've got to pay her mom to 200. We'll pay her mom 200, subdivision 150, and that'll leave us around $3.03 50 to build. Yep. To play with some building, you know, and see how we go with that.\n\nYeah. Yeah. Yeah. Yeah. Well, I think we'll do owner build up, and they'll do majority of that.\n\nBut yeah. Yeah. And we can just stay here until that's, you know, built, and it's only right next door to be able to chip away there. So, yeah, you know, chip away. Yeah.\n\nPretty much. Yeah. Yeah. So that's the plan, and, hopefully, it all goes to plan. There is, like, a couple things that we you know, whether it does get approved for the shape, but Ali reckons it will because she's approved other ones in the neighborhood that's, like, the same sort of similar shape.\n\nAnd then yeah. So that's a massive kick. And then, obviously, if Carla can't pull it off either, then we're back to square one as well. But You But she should? Yeah.\n\nYeah. Yeah. Oh, yeah. Yep. But we'd have to have that full subdivision, both upfront.\n\nOkay. Yeah. Yeah. Mhmm. Yeah.\n\nYeah. Yeah. Yeah. If I if I took a business loan out to do that subdivision, then could I technically put that whole repayment on as a repayment through the company as a deduction if I got approved? Yeah.\n\nI yeah. Yeah. Yeah. Yeah. Uh-huh.\n\nYep. Yeah. Mhmm. Yeah. Yeah.\n\nYeah. Yeah. Yeah. Yeah. Okay.\n\nYeah. Well, yeah. Yep. Yeah. Yeah.\n\nYeah. I gotcha. Yep. Yeah. Yeah.\n\nYeah. Yeah. Yeah. Yeah. Yeah.\n\nMhmm. Yeah. Yeah. Yeah. Okay.\n\nNo. Well, fingers crossed. Yeah. Yeah. So that's that's the plan.\n\nSo, hopefully, you know, a long way down the track yet, but maybe six months, we might be getting a bit of movement. Landowners. Yeah. Yeah. Mhmm.\n\nOkay. Yeah. Yeah. Okay. Perfect.\n\nYep. Amazing. Alright. Thank you so much. You're welcome.\n\nVery good. 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fingers crossed.","start":779.18,"end":779.98,"sentiment":"neutral","sentiment_score":0.0722710092862447},{"text":"Yeah.","start":779.98,"end":780.48,"sentiment":"neutral","sentiment_score":0.1422743797302246},{"text":"Yeah.","start":780.94,"end":781.33997,"sentiment":"neutral","sentiment_score":0.20241357386112213},{"text":"So that's that's the plan.","start":781.33997,"end":784.395,"sentiment":"positive","sentiment_score":0.34014824628829954}],"sentiment":"neutral","sentiment_score":0.20770418813282793,"num_words":11,"start":778.94,"end":784.395},{"sentences":[{"text":"So, hopefully, you know, a long way down the track yet, but maybe six months, we might be getting a bit of movement.","start":784.395,"end":793.135,"sentiment":"neutral","sentiment_score":0.1390261089672213},{"text":"Landowners.","start":793.515,"end":794.015,"sentiment":"neutral","sentiment_score":0.1060742363333702},{"text":"Yeah.","start":794.395,"end":794.895,"sentiment":"neutral","sentiment_score":0.214111328125},{"text":"Yeah.","start":798.15,"end":798.65,"sentiment":"neutral","sentiment_score":0.21901710331439972},{"text":"Mhmm.","start":806.47003,"end":806.63,"sentiment":"neutral","sentiment_score":0.08895058184862137}],"sentiment":"neutral","sentiment_score":0.14169458355064746,"num_words":27,"start":784.395,"end":806.63},{"sentences":[{"text":"Okay.","start":806.63,"end":807.13,"sentiment":"neutral","sentiment_score":0.06575602293014526},{"text":"Yeah.","start":809.67,"end":809.99,"sentiment":"neutral","sentiment_score":0.058262888342142105},{"text":"Yeah.","start":809.99,"end":810.49,"sentiment":"neutral","sentiment_score":0.06866574287414551},{"text":"Okay.","start":812.435,"end":812.91504,"sentiment":"neutral","sentiment_score":0.18860314786434176},{"text":"Perfect.","start":812.91504,"end":813.41504,"sentiment":"positive","sentiment_score":0.6327488422393799}],"sentiment":"neutral","sentiment_score":0.2028073288500309,"num_words":5,"start":806.63,"end":813.41504},{"sentences":[{"text":"Yep.","start":818.195,"end":818.695,"sentiment":"neutral","sentiment_score":0.09770747274160384},{"text":"Amazing.","start":820.515,"end":820.91504,"sentiment":"positive","sentiment_score":0.7295207977294922},{"text":"Alright.","start":820.91504,"end":821.155,"sentiment":"positive","sentiment_score":0.5565611124038696},{"text":"Thank you so much.","start":821.155,"end":822.215,"sentiment":"positive","sentiment_score":0.7907574623823166},{"text":"You're welcome.","start":822.755,"end":823.495,"sentiment":"positive","sentiment_score":0.41533318161964417}],"sentiment":"positive","sentiment_score":0.5974983995159467,"num_words":9,"start":818.195,"end":823.495},{"sentences":[{"text":"Very good.","start":824.115,"end":824.8289,"sentiment":"positive","sentiment_score":0.7818353474140167},{"text":"Bye bye.","start":825.22894,"end":826.60895,"sentiment":"neutral","sentiment_score":0.3196951001882553}],"sentiment":"positive","sentiment_score":0.550765223801136,"num_words":4,"start":824.115,"end":826.60895}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Hi, Adam. Larissa from OP Financial. How are you going?\n\nChannel 1: I'm good. How are you?\n\nChannel 0: Yeah. Good. Thank you. I was just giving you a quick call to touch base. So you obviously you went through your application with Jack with respect to the cover with MetLife.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: And during that application, you disclosed anabolic steroids.\n\nChannel 1: Yes.\n\nChannel 0: MetLife, not my favorite provider when it comes to any kind of steroid use.\n\nChannel 1: Uh-huh.\n\nChannel 0: So as an alternative, I\n\nChannel 1: Yeah.\n\nChannel 0: wanna swap over to tal. Tal are much more lenient when it comes to any kind of analog steroids. They're happy with nonuse you know, if you haven't used anything for twelve months, for which, obviously, you haven't. You're sort\n\nChannel 1: Yes.\n\nChannel 0: of four ish years.\n\nChannel 1: Yes.\n\nChannel 0: So we're all fine there. With with respect to premium, we're pretty much on par, couple of dollars difference, but nothing too crazy\n\nChannel 1: Mhmm.\n\nChannel 0: with respect to the the the flip over. And I just\n\nChannel 1: Yep.\n\nChannel 0: wanted to obviously, because it's vice it's advice changing a product from MetLife over to to another product being CAL. I need to jump on the phone, make sure that you're comfortable to\n\nChannel 1: Yep.\n\nChannel 0: go ahead with that.\n\nChannel 1: Yep.\n\nChannel 0: And and just sort of let you know that that was kind of where I was heading. So same same with everything. Like, we've already done all the changes with your superannuation fund, same amount\n\nChannel 1: Uh-huh.\n\nChannel 0: of cover that I wanna apply for with with Chow. It's just they're a little bit more favorable when it comes to to\n\nChannel 1: Yeah.\n\nChannel 0: the history\n\nChannel 1: I can.\n\nChannel 0: is all.\n\nChannel 1: Yep.\n\nChannel 0: So I can well, I've I've pretty much finished drawing up the actual advice document for it all.\n\nChannel 1: Yep.\n\nChannel 0: So I'll send that through you to you tomorrow to just have a read over it. Pretty much like the same. It's just slight\n\nChannel 1: Uh-huh.\n\nChannel 0: figure changes, and, obviously, it's TAO rather than MetLife.\n\nChannel 1: Yep.\n\nChannel 0: Nothing changes in terms of the actual features of the policy. Both of the policies are pretty much, like, on par with each other, which is really good.\n\nChannel 1: Yes.\n\nChannel 0: It's just yeah. Tall Tall are happy with it with with steroids, really.\n\nChannel 1: Awesome. Oh, yeah. Okay. So yeah. That makes sense.\n\nBut yeah.\n\nChannel 0: Yeah. Cool. Alright. Well, I'll I'll get that that statement of advice just finalized and drawn up, and I will get that issued out to you tomorrow morning so that way you can have a read over it. And then are you okay if I get Jack to give you a call in sort of, say, like, next week?\n\nAnd he can just\n\nChannel 1: Mhmm.\n\nChannel 0: make sure that, obviously, the the details that you provided to MetLife can be provided to Tao,\n\nChannel 1: Yep.\n\nChannel 0: and we can, obviously, go and submit that application over that way.\n\nChannel 1: Okay. Alright.\n\nChannel 0: Yeah.\n\nChannel 1: Perfect.\n\nChannel 0: Fantastic. Is there a day next week that works for you? Monday is another call today, just to throw that one out there.\n\nChannel 1: No. Any day, like, at this time is fine for me. Yep.\n\nChannel 0: Alright. Let me have a quick look at Chuck's calendar and see when he may be available for you.\n\nChannel 1: Do the poll.\n\nChannel 0: Alright. Yeah. Would the next Thursday 04:00 work?\n\nChannel 1: Sorry. What what was that? Sorry.\n\nChannel 0: Next Thursday\n\nChannel 1: Next Thursday.\n\nChannel 0: at four?\n\nChannel 1: Next Thursday at four works for me.\n\nChannel 0: Perfect. Alright. I'll book that in Jack's calendar now, and he'll give you a call then.\n\nChannel 1: Ali wanted me to tell you that we're doing the subdivision now.\n\nChannel 0: Okay. Have you had a chat to the neighbor?\n\nChannel 1: No. We're just using the land on the property to do it.\n\nChannel 0: Okay. We're taking half the like, half\n\nChannel 1: Yeah.\n\nChannel 0: of\n\nChannel 1: Well, there's\n\nChannel 0: mom's\n\nChannel 1: there's an eight tub, but, like, a bit of a dog leg on it.\n\nChannel 0: okay. So you're just sort of carving off sort of an acre off mom's property?\n\nChannel 1: Yeah. Yep. But we still need like, we obviously can't get the loan for the money, so her mom's gotta do it. So the first\n\nChannel 0: Yep.\n\nChannel 1: fit for the subdivision, and once we've got the subdivision, then we can get the loan and then yeah. Cool.\n\nChannel 0: Okay.\n\nChannel 1: Yeah.\n\nChannel 0: Perfect. Okay. Cool. So we're happy to just go ahead with the sub subdivision under just the acre. Did we did we\n\nChannel 1: Yeah.\n\nChannel 0: talk to the neighbor at all, or we just\n\nChannel 1: Okay.\n\nChannel 0: kind of\n\nChannel 1: No. No. We didn't talk to the manager at all. We just yeah. We just we we figured out that we can actually achieve it, but just with a bit of an awkward shape.\n\nChannel 0: yeah.\n\nChannel 1: So, yeah, we're just gonna try and run with that.\n\nChannel 0: Okay. And then I'm assuming it's a little bit of a battle axe. Like, it'll be at the back of the mom's property.\n\nChannel 1: Yeah. It'll, like, run down the right hand side, and then we just gotta make up a little bit of it on the backhand, but the majority of the property would just be, like, adjacent to her property.\n\nChannel 0: Okay. Yeah. Perfect. So currently applying to city planning to look at subdivision?\n\nChannel 1: Her mom is getting finance approval,\n\nChannel 0: Yep. Cool.\n\nChannel 1: and then that'll allow us to do some\n\nChannel 0: Put\n\nChannel 1: of the\n\nChannel 0: the\n\nChannel 1: stuff\n\nChannel 0: application\n\nChannel 1: that we\n\nChannel 0: in.\n\nChannel 1: need yeah. All the application. I think there's a few other things that we need to do\n\nChannel 0: Yep.\n\nChannel 1: that we'll fork out upfront for.\n\nChannel 0: Yep.\n\nChannel 1: And then hopefully, she gets approved. And if she gets approved, then we can go from there,\n\nChannel 0: Okay. And I guess the the deal with mom is, like, you guys are gonna make the repayments\n\nChannel 1: really.\n\nChannel 0: on the loan? Or\n\nChannel 1: Yeah. For the for a short period, and then we'll go for our loan\n\nChannel 0: yeah. And\n\nChannel 1: for that for\n\nChannel 0: culminate\n\nChannel 1: the subdivision.\n\nChannel 0: her loan in.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: And\n\nChannel 0: Okay.\n\nChannel 1: then\n\nChannel 0: Cool.\n\nChannel 1: pay her out\n\nChannel 0: Perfect.\n\nChannel 1: so that we might be paying the repayments for, I don't know, maybe a couple months or something. Depends how quickly it happens. But yeah.\n\nChannel 0: No. That that's perfect. Alright. So it's not as big as what we wanted to go to begin with, but it's where\n\nChannel 1: Yeah.\n\nChannel 0: we wanted. It's what we wanted, and it gets us our own little slice of heaven.\n\nChannel 1: Pretty much. Yeah.\n\nChannel 0: No.\n\nChannel 1: But,\n\nChannel 0: That's\n\nChannel 1: hopefully,\n\nChannel 0: beautiful.\n\nChannel 1: they're under $6.50, maybe.\n\nChannel 0: Yeah. Well, I mean, as as we sort of discussed, some of the bills you guys can, you know, kind of get done and there's, you know,\n\nChannel 1: Yeah.\n\nChannel 0: makes in the industry and everything else that you can possibly lean on.\n\nChannel 1: Yeah. Yeah. Yeah. Yeah.\n\nChannel 0: So, no, that's really good. Have we do we know what the subdivision costs are gonna be for just, like, months acre?\n\nChannel 1: Around the $1.50 mark.\n\nChannel 0: Okay.\n\nChannel 1: Get that done and then the rest I think there's some other fees in there, and then we should have about $3.50 like, if we do get $6.50, then we should have about $3.50 to build.\n\nChannel 0: Yeah.\n\nChannel 1: Let me do all that jazz. So\n\nChannel 0: No.\n\nChannel 1: and\n\nChannel 0: That's\n\nChannel 1: we've\n\nChannel 0: really\n\nChannel 1: got to\n\nChannel 0: good.\n\nChannel 1: pay her mom to 200. We'll pay her mom 200, subdivision 150, and that'll leave us around $3.03 50 to build.\n\nChannel 0: Okay. So mom's basically sold the acre for 200.\n\nChannel 1: Yep.\n\nChannel 0: Okay. So that's cool. So, basically, the land cost will basically come up to about $3.50, and then you've got sort of another 300 to be able to to play with to build on.\n\nChannel 1: To play with some building, you know, and see how we go with that.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Alright. Well, I mean, not impossible to be able to achieve with a build. It just depends, I guess, you know, as we sort sort of spoke about, depending on how big you wanna go or, you know, if you, you know, just use a build to get it to lock up stage and then do all the critifying yourself or beautification\n\nChannel 1: Yeah.\n\nChannel 0: for yourself. Obviously, if you, you know, get a builder landscape and everything else to go from start all the way through until final,\n\nChannel 1: Yeah.\n\nChannel 0: it's it's a little bit more expensive, but if you just get them to basically put to, you know, four walls, roof, insulation, lock up, doors, windows, you know, you you can definitely drop the cost. It's just a matter\n\nChannel 1: Yeah.\n\nChannel 0: of\n\nChannel 1: Well,\n\nChannel 0: you guys\n\nChannel 1: I think\n\nChannel 0: then going through and doing flooring\n\nChannel 1: we'll do\n\nChannel 0: and\n\nChannel 1: owner build up, and they'll do majority of that. But\n\nChannel 0: yeah. No. Absolutely. And, yeah, something that's achievable as well. Just\n\nChannel 1: yeah.\n\nChannel 0: and you've got steady and reliable housing right now, so even if it takes a little bit longer to do.\n\nChannel 1: Yeah. And we can just stay here until that's, you know, built, and it's only right next door to be able to\n\nChannel 0: Yeah.\n\nChannel 1: chip away there. So,\n\nChannel 0: Yeah. Exactly. Come home at 04:00,\n\nChannel 1: yeah,\n\nChannel 0: get\n\nChannel 1: you\n\nChannel 0: in,\n\nChannel 1: know,\n\nChannel 0: cut a bit\n\nChannel 1: chip\n\nChannel 0: of\n\nChannel 1: away.\n\nChannel 0: wood. Yeah.\n\nChannel 1: Yeah. Pretty much. Yeah.\n\nChannel 0: That's really good. No. That's fantastic. I'm really glad that that's that's\n\nChannel 1: Yeah.\n\nChannel 0: going\n\nChannel 1: So\n\nChannel 0: ahead.\n\nChannel 1: that's the plan, and, hopefully, it all goes to plan. There is, like, a couple things that we you know, whether it does get approved for the shape, but Ali reckons it will because she's approved other ones in the neighborhood that's, like, the\n\nChannel 0: Similar\n\nChannel 1: same sort\n\nChannel 0: shaped.\n\nChannel 1: of similar\n\nChannel 0: Yeah.\n\nChannel 1: shape. And\n\nChannel 0: She's\n\nChannel 1: then\n\nChannel 0: got a bit of an n when it comes to it.\n\nChannel 1: yeah. So that's a massive kick. And then, obviously, if Carla can't pull it off either, then we're back to square one as well. But\n\nChannel 0: Yeah.\n\nChannel 1: You But she should?\n\nChannel 0: I was gonna say I mean, the other option is is we just go back to just trying to build up that savings repertoire like like, I guess,\n\nChannel 1: Yeah.\n\nChannel 0: buffer for twelve months and just really, really hammering getting our savings in and then being able\n\nChannel 1: Yeah.\n\nChannel 0: to finance the whole thing straight up.\n\nChannel 1: Yeah. Oh, yeah. Yep.\n\nChannel 0: So that's that's basically the other option is, like, you know, you guys just literally hammer the savings. If if mom can't get it done, then\n\nChannel 1: But\n\nChannel 0: mom\n\nChannel 1: we'd\n\nChannel 0: has the\n\nChannel 1: have\n\nChannel 0: equity\n\nChannel 1: to have that\n\nChannel 0: in her\n\nChannel 1: full\n\nChannel 0: house.\n\nChannel 1: subdivision, both upfront.\n\nChannel 0: You you would yeah. I mean, you could probably take a personal loan out to do the subdivision.\n\nChannel 1: Okay.\n\nChannel 0: We could do\n\nChannel 1: Yeah.\n\nChannel 0: a personal loan or a business loan for the subdivision to begin with,\n\nChannel 1: Yeah.\n\nChannel 0: and then and then you could then go and once the subdivision's paid for, then do everything else.\n\nChannel 1: Mhmm.\n\nChannel 0: But,\n\nChannel 1: Yeah.\n\nChannel 0: obviously, mom fronting it's the easier way, especially since she has the she has the equity in her property. And if you if remind me, you guys are paying rent? I I know it's small, but it's\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: yeah. So she can show income from I mean,\n\nChannel 1: Yeah.\n\nChannel 0: if she wants to show income from rent, then\n\nChannel 1: If I if I took a business loan out to do that subdivision, then could I technically put that whole repayment on as a repayment through the company as a deduction\n\nChannel 0: it\n\nChannel 1: if\n\nChannel 0: gets\n\nChannel 1: I got\n\nChannel 0: mess\n\nChannel 1: approved?\n\nChannel 0: it gets messy with business loans, but\n\nChannel 1: Yeah.\n\nChannel 0: it the interest becomes a deduction, and there are some nuance yeah. There's\n\nChannel 1: I\n\nChannel 0: some nuances\n\nChannel 1: yeah. Yeah.\n\nChannel 0: with\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: it, and you don't wanna hold the loan there for too long. You wanna try and get it out of the business as quick as possible because, otherwise,\n\nChannel 1: Uh-huh.\n\nChannel 0: there there are issues withholding loans within businesses when it's a personal\n\nChannel 1: Yep.\n\nChannel 0: gain, taxes that the business may have to pay because of it. But, yes, you could do it under the\n\nChannel 1: Yeah.\n\nChannel 0: business. And then, like, the the theory would be is basically some of your wages would go towards, like, paying it off because\n\nChannel 1: Mhmm.\n\nChannel 0: it's sort of a business loan for personal use. Possible. It's just wimey, tiny, fancy accounting and brokerage. So it's just a matter of making sure that you loop your accountant in into it\n\nChannel 1: Yeah.\n\nChannel 0: and\n\nChannel 1: Yeah. Yeah. Yeah. Yeah.\n\nChannel 0: and the and just make having a good broker.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: So,\n\nChannel 1: Yeah.\n\nChannel 0: yeah, see\n\nChannel 1: Well, yeah.\n\nChannel 0: see see how mom goes first. I know her income\n\nChannel 1: Yep.\n\nChannel 0: wasn't which is probably the serviceability side, but she's got the equity in her house. So and if\n\nChannel 1: Yeah.\n\nChannel 0: she's informing them that it's specifically for subdivision to sell it, they're probably gonna be more amenable knowing that she's gonna get cost back.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Especially,\n\nChannel 1: I gotcha.\n\nChannel 0: like, if if she's upfront about why she's getting the loan saying, you know, I'm subdividing my property\n\nChannel 1: Yep.\n\nChannel 0: to sell it off, blah blah blah blah. They they they know that they it's gonna be a quick loan turnaround. They're gonna get their money back. It's more reliable. So she's not saying I'm getting a $150,000 to put it in my property.\n\nI'm, you know,\n\nChannel 1: Yeah.\n\nChannel 0: seventy seventy years old, and maybe I'll pay it back.\n\nChannel 1: Yeah. Yeah. Yeah.\n\nChannel 0: Or you can reclaim it when you sell my house.\n\nChannel 1: Yeah.\n\nChannel 0: You know, it's it's I'm selling off a piece of my land.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: I'm subdividing.\n\nChannel 1: Mhmm.\n\nChannel 0: Let's go.\n\nChannel 1: Yeah.\n\nChannel 0: So she should honestly be pretty fine so long as the broker's actually framing it right when they put the application through.\n\nChannel 1: Yeah. Yeah. Okay.\n\nChannel 0: Yeah.\n\nChannel 1: No. Well,\n\nChannel 0: I'm\n\nChannel 1: fingers\n\nChannel 0: really\n\nChannel 1: crossed.\n\nChannel 0: excited.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: I'm\n\nChannel 1: So\n\nChannel 0: really excited\n\nChannel 1: that's\n\nChannel 0: for you.\n\nChannel 1: that's the plan. So, hopefully, you know, a long way down the track yet, but maybe six months, we might be getting\n\nChannel 0: Landowners.\n\nChannel 1: a bit of movement. Landowners. Yeah.\n\nChannel 0: Oh, that'd be really good. Well, let\n\nChannel 1: Yeah.\n\nChannel 0: me know. Keep keep me keep me appraised. And and if you run into any issues or if you have any random offshore shoot questions, just feel free to give me a call. And\n\nChannel 1: Mhmm. Okay.\n\nChannel 0: I don't know all of it, but I'll find out.\n\nChannel 1: Yeah. Yeah. Okay. Perfect.\n\nChannel 0: Oh, amazing. Cool. Well, Jack will give you a call Thursday, and\n\nChannel 1: Yep.\n\nChannel 0: otherwise, I'll talk to you guys later.\n\nChannel 1: Amazing. Alright. Thank you so much.\n\nChannel 0: No. That's\n\nChannel 1: You're welcome.\n\nChannel 0: cool.\n\nChannel 1: Very good. Bye\n\nChannel 0: Have a good one.\n\nChannel 1: bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.28,"end":1.78,"sentiment":"neutral","sentiment_score":0.03745990991592407}],"sentiment":"neutral","sentiment_score":0.03745990991592407,"channel":1,"num_words":1,"start":1.28,"end":1.78},{"sentences":[{"text":"Hi, Adam.","start":3.9199998,"end":4.9,"sentiment":"neutral","sentiment_score":0.1679767742753029},{"text":"Larissa from OP Financial.","start":5.12,"end":6.56,"sentiment":"neutral","sentiment_score":0.18865007907152176},{"text":"How are you going?","start":6.56,"end":7.3799996,"sentiment":"neutral","sentiment_score":0.274141788482666}],"sentiment":"neutral","sentiment_score":0.21871210187673568,"channel":0,"num_words":10,"start":3.9199998,"end":7.3799996},{"sentences":[{"text":"I'm good.","start":7.52,"end":8.0,"sentiment":"positive","sentiment_score":0.5134459435939789},{"text":"How are you?","start":8.0,"end":8.82,"sentiment":"positive","sentiment_score":0.3444546163082123}],"sentiment":"positive","sentiment_score":0.4120511472225189,"channel":1,"num_words":5,"start":7.52,"end":8.82},{"sentences":[{"text":"Yeah.","start":9.12,"end":9.5199995,"sentiment":"neutral","sentiment_score":0.30873972177505493},{"text":"Good.","start":9.5199995,"end":10.0,"sentiment":"positive","sentiment_score":0.5267924070358276},{"text":"Thank you.","start":10.0,"end":10.82,"sentiment":"positive","sentiment_score":0.5955861806869507},{"text":"I was just giving you a quick call to touch base.","start":12.559999,"end":17.115,"sentiment":"neutral","sentiment_score":0.1817621046846563},{"text":"So you obviously you went through your application with Jack with respect to the cover with MetLife.","start":18.775,"end":24.954998,"sentiment":"neutral","sentiment_score":0.0553738893393208}],"sentiment":"neutral","sentiment_score":0.15523261751513928,"channel":0,"num_words":32,"start":9.12,"end":24.954998},{"sentences":[{"text":"Yeah.","start":25.235,"end":25.715,"sentiment":"neutral","sentiment_score":0.023818643763661385},{"text":"Yeah.","start":25.715,"end":26.215,"sentiment":"neutral","sentiment_score":0.022641772404313087}],"sentiment":"neutral","sentiment_score":0.023230208083987236,"channel":1,"num_words":2,"start":25.235,"end":26.215},{"sentences":[{"text":"And during that application, you disclosed anabolic steroids.","start":26.215,"end":31.85,"sentiment":"neutral","sentiment_score":0.017353551229462028}],"sentiment":"neutral","sentiment_score":0.017353551229462028,"channel":0,"num_words":8,"start":26.215,"end":31.85},{"sentences":[{"text":"Yes.","start":32.51,"end":33.01,"sentiment":"neutral","sentiment_score":0.03530527651309967}],"sentiment":"neutral","sentiment_score":0.03530527651309967,"channel":1,"num_words":1,"start":32.51,"end":33.01},{"sentences":[{"text":"MetLife, not my favorite provider when it comes to any kind of steroid 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No. Any day, like, at this time is fine for me. Yep. Alright. Let me have a quick look at Chuck's calendar and see when he may be available for you. Do the poll. Alright. Yeah. Would the next Thursday 04:00 work? Sorry.","start_word":474,"end_word":538,"intents":[{"intent":"Confirm appointment","confidence_score":0.0006400498}]},{"text":"I'll book that in Jack's calendar now, and he'll give you a call then.","start_word":559,"end_word":572,"intents":[{"intent":"Book call","confidence_score":0.022107197}]},{"text":"So we're happy to just go ahead with the sub subdivision under just the acre. Did we did we Yeah. talk to the neighbor at all, or we just Okay. kind of No. No. We didn't talk to the manager at all. We just yeah. We just we we figured out that we can actually achieve it, but just with a bit of an awkward shape. yeah.","start_word":698,"end_word":764,"intents":[{"intent":"Define subdivision goals","confidence_score":0.00023328284}]},{"text":"Have we do we know what the subdivision costs are gonna be for just, like, months acre? Around the $1.","start_word":1100,"end_word":1119,"intents":[{"intent":"Determine project costs","confidence_score":0.013493463}]},{"text":"it's it's a little bit more expensive, but if you just get them to basically put to, you know, four walls, roof, insulation, lock up, doors, windows, you know, you you can definitely drop the cost. It's just a matter Yeah.","start_word":1344,"end_word":1384,"intents":[{"intent":"Budget building","confidence_score":0.0020327887}]},{"text":"There is, like, a couple things that we you know, whether it does get approved for the shape, but Ali reckons it will because she's approved other ones in the neighborhood that's, like, the Similar same sort shaped. of similar Yeah. shape.","start_word":1517,"end_word":1558,"intents":[{"intent":"Obtain approval for a shape","confidence_score":0.000029007484}]},{"text":"I was gonna say I mean, the other option is is we just go back to just trying to build up that savings repertoire like like, I guess, Yeah. buffer for twelve months and just really, really hammering getting our savings in and then being able Yeah.","start_word":1603,"end_word":1649,"intents":[{"intent":"Build savings","confidence_score":0.14010659}]},{"text":"I mean, you could probably take a personal loan out to do the subdivision. Okay. We could do Yeah.","start_word":1708,"end_word":1726,"intents":[{"intent":"Optimize loan options","confidence_score":0.00001836107}]},{"text":"she's informing them that it's specifically for subdivision to sell it, they're probably gonna be more amenable knowing that she's gonna get cost back. Yeah.","start_word":2061,"end_word":2085,"intents":[{"intent":"Discuss mortgage options and eligibility","confidence_score":2.0278598e-7}]}]},"sentiments":{"segments":[{"text":"Hello? Hi, Adam. Larissa from OP Financial. How are you going?","start_word":0,"end_word":10,"sentiment":"neutral","sentiment_score":0.18982768058776855},{"text":"I'm good. How are you?","start_word":11,"end_word":15,"sentiment":"positive","sentiment_score":0.4380832016468048},{"text":"Yeah.","start_word":16,"end_word":16,"sentiment":"neutral","sentiment_score":0.30873972177505493},{"text":"Good. Thank you.","start_word":17,"end_word":19,"sentiment":"positive","sentiment_score":0.5587179064750671},{"text":"I was just giving you a quick call to touch base. So you obviously you went through your application with Jack with respect to the cover with MetLife. Yeah. Yeah. And during that application, you disclosed anabolic steroids. Yes. MetLife, not my favorite provider when it comes to any kind of steroid use. Uh-huh. So as an alternative, I Yeah. wanna swap over to tal. Tal are much more lenient when it comes to any kind of analog steroids. They're happy with nonuse you know, if you haven't used anything for twelve months, for which, obviously, you haven't. You're sort Yes. of four ish years. Yes. So we're all fine there. With with respect to premium, we're pretty much on par, couple of dollars difference, but nothing too crazy Mhmm. with respect to the the the flip over. And I just Yep. wanted to obviously, because it's vice it's advice changing a product from MetLife over to to another product being CAL. I need to jump on the phone, make sure that you're comfortable to Yep. go ahead with that. Yep. And and just sort of let you know that that was kind of where I was heading. So same same with everything. Like, we've already done all the changes with your superannuation fund, same amount Uh-huh. of cover that I wanna apply for with with Chow. It's just they're a little bit more favorable when it comes to to the Yeah. history I can. is all. Yep. So I can well, I've I've pretty much finished drawing up the actual advice document for it all. Yep. So I'll send that through you to you tomorrow to just have a read over it. Pretty much like the same. It's just slight Uh-huh. figure changes, and, obviously, it's TAO rather than MetLife. Yep. Nothing changes in terms of the actual features of the policy.","start_word":20,"end_word":332,"sentiment":"neutral","sentiment_score":0.062089674174785614},{"text":"Both of the policies are pretty much, like, on par with each other, which is really good. Yes. It's just yeah. Tall Tall are happy with it with with steroids, really. Awesome.","start_word":333,"end_word":364,"sentiment":"positive","sentiment_score":0.6507046818733215},{"text":"Oh, yeah. Okay. So yeah. That makes sense. But yeah. Yeah.","start_word":365,"end_word":375,"sentiment":"neutral","sentiment_score":0.20568008720874784},{"text":"Cool.","start_word":376,"end_word":376,"sentiment":"positive","sentiment_score":0.35014456510543823},{"text":"Alright. Well, I'll I'll get that that statement of advice just finalized and drawn up, and I will get that issued out to you tomorrow morning so that way you can have a read over it. And then are you okay if I get Jack to give you a call in sort of, say, like, next week? And he can just Mhmm. make sure that, obviously, the the details that you provided to MetLife can be provided to Tao, Yep. and we can, obviously, go and submit that application over that way. Okay. Alright. Yeah.","start_word":377,"end_word":471,"sentiment":"neutral","sentiment_score":0.1488359570503235},{"text":"Perfect. Fantastic.","start_word":472,"end_word":473,"sentiment":"positive","sentiment_score":0.54522705078125},{"text":"Is there a day next week that works for you? Monday is another call today, just to throw that one out there. No. Any day, like, at this time is fine for me. Yep. Alright. Let me have a quick look at Chuck's calendar and see when he may be available for you. Do the poll. Alright. Yeah. Would the next Thursday 04:00 work? Sorry. What what was that? Sorry. Next Thursday Next Thursday. at four? Next Thursday at four works for me. Perfect. Alright. I'll book that in Jack's calendar now, and he'll give you a call then. Ali wanted me to tell you that we're doing the subdivision now. Okay. Have you had a chat to the neighbor? No. We're just using the land on the property to do it. Okay. We're taking half the like, half Yeah. of Well, there's mom's there's an eight tub, but, like, a bit of a dog leg on it. okay. So you're just sort of carving off sort of an acre off mom's property? Yeah. Yep. But we still need like, we obviously can't get the loan for the money, so her mom's gotta do it. So the first Yep. fit for the subdivision, and once we've got the subdivision, then we can get the loan and then yeah.","start_word":474,"end_word":691,"sentiment":"neutral","sentiment_score":0.02109494262562911},{"text":"Cool.","start_word":692,"end_word":692,"sentiment":"positive","sentiment_score":0.4285346269607544},{"text":"Okay.","start_word":693,"end_word":693,"sentiment":"neutral","sentiment_score":0.26439279317855835},{"text":"Yeah. Perfect. Okay. Cool. So we're happy to just go ahead with the sub subdivision under just the acre.","start_word":694,"end_word":712,"sentiment":"positive","sentiment_score":0.5712475776672363},{"text":"Did we did we Yeah. talk to the neighbor at all, or we just Okay. kind of No. No. We didn't talk to the manager at all. We just yeah. We just we we figured out that we can actually achieve it, but just with a bit of an awkward shape. yeah. So, yeah, we're just gonna try and run with that. Okay. And then I'm assuming it's a little bit of a battle axe. Like, it'll be at the back of the mom's property. Yeah. It'll, like, run down the right hand side, and then we just gotta make up a little bit of it on the backhand, but the majority of the property would just be, like, adjacent to her property. Okay. Yeah. Perfect. So currently applying to city planning to look at subdivision? Her mom is getting finance approval, Yep. Cool. and then that'll allow us to do some Put of the the stuff application that we in. need yeah. All the application. I think there's a few other things that we need to do Yep. that we'll fork out upfront for. Yep. And then hopefully, she gets approved. And if she gets approved, then we can go from there, Okay. And I guess the the deal with mom is, like, you guys are gonna make the repayments really. on the loan? Or Yeah. For the for a short period, and then we'll go for our loan yeah. And for that for culminate the subdivision. her loan in. Yeah. Yeah. And Okay. then Cool. pay her out Perfect. so that we might be paying the repayments for, I don't know, maybe a couple months or something. Depends how quickly it happens. But yeah. No. That that's perfect. Alright. So it's not as big as what we wanted to go to begin with, but it's where Yeah. we wanted.","start_word":713,"end_word":1023,"sentiment":"neutral","sentiment_score":0.042991407215595245},{"text":"It's what we wanted, and it gets us our own little slice of heaven. Pretty much. Yeah.","start_word":1024,"end_word":1040,"sentiment":"positive","sentiment_score":0.6625304222106934},{"text":"No.","start_word":1041,"end_word":1041,"sentiment":"neutral","sentiment_score":0.1203661784529686},{"text":"But, That's hopefully, beautiful.","start_word":1042,"end_word":1045,"sentiment":"positive","sentiment_score":0.47773027420043945},{"text":"they're under $6.50, maybe. Yeah. Well, I mean, as as we sort of discussed, some of the bills you guys can, you know, kind of get done and there's, you know, Yeah. makes in the industry and everything else that you can possibly lean on. Yeah. Yeah. Yeah. Yeah. So, no, that's really good. Have we do we know what the subdivision costs are gonna be for just, like, months acre? Around the $1.50 mark. Okay. Get that done and then the rest I think there's some other fees in there, and then we should have about $3.50 like, if we do get $6.50, then we should have about $3.50 to build. Yeah. Let me do all that jazz. So No. and That's we've really got to good. pay her mom to 200. We'll pay her mom 200, subdivision 150, and that'll leave us around $3.03 50 to build. Okay. So mom's basically sold the acre for 200. Yep. Okay.","start_word":1046,"end_word":1205,"sentiment":"neutral","sentiment_score":0.07418740540742874},{"text":"So that's cool.","start_word":1206,"end_word":1208,"sentiment":"positive","sentiment_score":0.3700783252716065},{"text":"So, basically, the land cost will basically come up to about $3.50, and then you've got sort of another 300 to be able to to play with to build on. To play with some building, you know, and see how we go with that. Yeah. Yeah. Alright. Well, I mean, not impossible to be able to achieve with a build. It just depends, I guess, you know, as we sort sort of spoke about, depending on how big you wanna go or, you know, if you, you know, just use a build to get it to lock up stage and then do all the critifying yourself or beautification Yeah. for yourself. Obviously, if you, you know, get a builder landscape and everything else to go from start all the way through until final, Yeah. it's it's a little bit more expensive, but if you just get them to basically put to, you know, four walls, roof, insulation, lock up, doors, windows, you know, you you can definitely drop the cost. It's just a matter Yeah. of Well, you guys I think then going through and doing flooring we'll do and owner build up, and they'll do majority of that. But yeah. No. Absolutely. And, yeah, something that's achievable as well. Just yeah. and you've got steady and reliable housing right now, so even if it takes a little bit longer to do. Yeah. And we can just stay here until that's, you know, built, and it's only right next door to be able to Yeah. chip away there. So, Yeah. Exactly. Come home at 04:00, yeah, get you in, know, cut a bit chip of away. wood. Yeah. Yeah. Pretty much.","start_word":1209,"end_word":1489,"sentiment":"neutral","sentiment_score":0.09724226959871651},{"text":"Yeah. That's really good. No. That's fantastic. I'm really glad that that's that's Yeah.","start_word":1490,"end_word":1503,"sentiment":"positive","sentiment_score":0.598651111125946},{"text":"going So ahead.","start_word":1504,"end_word":1506,"sentiment":"neutral","sentiment_score":0.28639861941337585},{"text":"that's the plan, and, hopefully, it all goes to plan.","start_word":1507,"end_word":1516,"sentiment":"positive","sentiment_score":0.4127527475357056},{"text":"There is, like, a couple things that we you know, whether it does get approved for the shape, but Ali reckons it will because she's approved other ones in the neighborhood that's, like, the Similar same sort shaped. of similar Yeah. shape. And She's then got a bit of an n when it comes to it. yeah. So that's a massive kick. And then, obviously, if Carla can't pull it off either, then we're back to square one as well. But Yeah. You But she should? I was gonna say I mean, the other option is is we just go back to just trying to build up that savings repertoire like like, I guess, Yeah. buffer for twelve months and just really, really hammering getting our savings in and then being able Yeah. to finance the whole thing straight up. Yeah. Oh, yeah. Yep. So that's that's basically the other option is, like, you know, you guys just literally hammer the savings. If if mom can't get it done, then But mom we'd has the have equity to have that in her full house. subdivision, both upfront. You you would yeah. I mean, you could probably take a personal loan out to do the subdivision. Okay. We could do Yeah. a personal loan or a business loan for the subdivision to begin with, Yeah. and then and then you could then go and once the subdivision's paid for, then do everything else. Mhmm. But, Yeah.","start_word":1517,"end_word":1761,"sentiment":"neutral","sentiment_score":0.08279877326318195},{"text":"obviously, mom fronting it's the easier way, especially since she has the she has the equity in her property.","start_word":1762,"end_word":1780,"sentiment":"positive","sentiment_score":0.41421347856521606},{"text":"And if you if remind me, you guys are paying rent? I I know it's small, but it's Yeah. Yeah. yeah. So she can show income from I mean, Yeah. if she wants to show income from rent, then If I if I took a business loan out to do that subdivision, then could I technically put that whole repayment on as a repayment through the company as a deduction it gets if I got mess approved? it gets messy with business loans, but Yeah. it the interest becomes a deduction, and there are some nuance yeah. There's I some nuances yeah. Yeah. with Yeah. Yeah. it, and you don't wanna hold the loan there for too long. You wanna try and get it out of the business as quick as possible because, otherwise, Uh-huh. there there are issues withholding loans within businesses when it's a personal Yep. gain, taxes that the business may have to pay because of it. But, yes, you could do it under the Yeah. business. And then, like, the the theory would be is basically some of your wages would go towards, like, paying it off because Mhmm. it's sort of a business loan for personal use. Possible. It's just wimey, tiny, fancy accounting and brokerage. So it's just a matter of making sure that you loop your accountant in into it Yeah. and Yeah. Yeah. Yeah. Yeah.","start_word":1781,"end_word":2013,"sentiment":"neutral","sentiment_score":-0.007270486559718847},{"text":"and the and just make having a good broker.","start_word":2014,"end_word":2022,"sentiment":"positive","sentiment_score":0.4420895576477051},{"text":"Yeah. Okay. So, Yeah. yeah, see Well, yeah. see see how mom goes first. I know her income Yep. wasn't which is probably the serviceability side, but she's got the equity in her house. So and if Yeah. she's informing them that it's specifically for subdivision to sell it, they're probably gonna be more amenable knowing that she's gonna get cost back. Yeah. Yeah. Especially, I gotcha. like, if if she's upfront about why she's getting the loan saying, you know, I'm subdividing my property Yep. to sell it off, blah blah blah blah. They they they know that they it's gonna be a quick loan turnaround. They're gonna get their money back. It's more reliable. So she's not saying I'm getting a $150,000 to put it in my property. I'm, you know, Yeah. seventy seventy years old, and maybe I'll pay it back. Yeah. Yeah. Yeah. Or you can reclaim it when you sell my house. Yeah. You know, it's it's I'm selling off a piece of my land. Yeah. Yeah. I'm subdividing. Mhmm. Let's go. Yeah. So she should honestly be pretty fine so long as the broker's actually framing it right when they put the application through. Yeah. Yeah. Okay. Yeah. No. Well, I'm fingers really crossed. excited. Yeah. Yeah. Yeah.","start_word":2023,"end_word":2236,"sentiment":"neutral","sentiment_score":0.05146677047014237},{"text":"I'm So really excited that's for you.","start_word":2237,"end_word":2243,"sentiment":"positive","sentiment_score":0.40616416931152344},{"text":"that's the plan. So, hopefully, you know, a long way down the track yet, but maybe six months, we might be getting Landowners. a bit of movement. Landowners. Yeah.","start_word":2244,"end_word":2272,"sentiment":"neutral","sentiment_score":0.16050465404987335},{"text":"Oh, that'd be really good.","start_word":2273,"end_word":2277,"sentiment":"positive","sentiment_score":0.42973944544792175},{"text":"Well, let Yeah. me know. Keep keep me keep me appraised. And and if you run into any issues or if you have any random offshore shoot questions, just feel free to give me a call. And Mhmm. Okay. I don't know all of it, but I'll find out. Yeah. Yeah. Okay.","start_word":2278,"end_word":2329,"sentiment":"neutral","sentiment_score":0.15957553731277585},{"text":"Perfect. Oh, amazing. Cool.","start_word":2330,"end_word":2333,"sentiment":"positive","sentiment_score":0.6787941455841064},{"text":"Well, Jack will give you a call Thursday, and Yep. otherwise, I'll talk to you guys later.","start_word":2334,"end_word":2350,"sentiment":"neutral","sentiment_score":0.18913845717906952},{"text":"Amazing. Alright. Thank you so much.","start_word":2351,"end_word":2356,"sentiment":"positive","sentiment_score":0.6995724439620972},{"text":"No. That's You're welcome.","start_word":2357,"end_word":2360,"sentiment":"neutral","sentiment_score":0.26078173518180847},{"text":"cool. Very good. Bye Have a good one.","start_word":2361,"end_word":2368,"sentiment":"positive","sentiment_score":0.5943968296051025},{"text":"bye. Bye.","start_word":2369,"end_word":2370,"sentiment":"neutral","sentiment_score":0.2134568989276886}],"average":{"sentiment":"neutral","sentiment_score":0.10222813984476696}}}}